Are you struggling with finding business insurance in Bergen County? Here are four of the most basic coverages that you can use to start building out your policy.
General Liability Insurance
General liability may be the most popular of business insurance options. It covers you in case a third party files a lawsuit claiming that they sustained bodily injury or property damage because of your business.
Professional Liability Insurance
Also known as errors and omissions insurance, professional liability covers you in cases where a third party claims they experienced a loss because of your business. An example of this is a client filing a lawsuit against his or her financial advisor due to the poor performance of their financial portfolio.
Property insurance covers you in case of a disastrous event such as a fire, storm, theft or vandalism. Your policy will cover the cost to repair or replace your covered items which can include your office building, furniture, equipment and electronic property.
Workers’ compensation covers you in case one of your employees is injured or becomes ill because of work-related activities. Your policy will cover the medical and rehab costs as well as any lost wages if your employee has to miss work.
Many other insurance options are available to protect your business. Working with an experienced agent who understands business insurance in Bergen County is your best bet at obtaining the perfect coverage for you.