What is Business Property Casualty Insurance?
All NJ business owners should understand the types of insurance a business needs in the state of New Jersey. Business Property Casualty Insurance coverage is for unexpected events. Starting out with the proper business insurance coverage helps business owners avoid surprises and possibly financial crises. Not all exposures are obvious and that’s why you need a professional NJ insurance agent to guide you and make sure your business is fully covered. Bogle Agency Insurance has the experience and expertise to help your business have the Business Property Casualty Insurance it needs in NJ.
What Types of Business Insurance Will A Business Need?
Worker’s Compensation – protects employees under state laws, provides medical care, death, disability and rehabilitation benefits for workers injured or even killed while on the job.
Errors and Omissions – a type of liability insurance that protects companies and their employees against claims of inadequate or negligent professional work
Property Insurance – insures against damage to buildings, their contents and/or a loss of income due to a disaster, such as a fire.
Vehicle Insurance – covers physical damage to company cars or commercial trucks. This insurance also covers liability related to the use of same.
Business Interruption – compensates for income lost during a period of restoration to repair or restore physical damage to a named property.
Umbrella – catastrophic event coverage meant to take over where business auto liability or general liability are used up.
These are general types of Business Property Casualty Insurance a business may need. Other options do exist, such as Product Liability Insurance for a manufacturing business. Home based businesses may need extra coverage on their Homeowners Insurance policy. The important thing is to have coverage provided by the Business Property Casualty Insurance package that works for your business in NJ.
Be Prepared for the Unexpected
One event can wipe out a small business if they aren’t covered. Taking the time to evaluate the needs of a business can save it from disaster. Bogle Agency Insurance is a knowledgeable, reliable and reputable agency to work with. We welcome the opportunity to customize a Business Property Casualty package based on the unique requirements of your business.
Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more. Call us for a consultation at (201) 939-1076.