Getting business insurance is one of the most important things that you can do for your business and its success now and for the future.

When you set up a business, you take on immediate responsibility for many people and financial arrangements. The way you run your business can positively or negatively affect customers, clients, employees, suppliers and even innocent bystanders, not to mention you and your business. Should things go wrong, you need to know that everyone is protected from consequences, and that is where we at Harrah and Associates come in.

We offer business insurance in NJ, which is both affordable and comprehensive. Whatever your circumstances, no matter how big or small your business may be, or whatever industry you operate in, we’ve got your back.

What Do We Cover?

Having business insurance in NJ is an excellent way of protecting your company and lowering your risk of being put out of business. It can only take one damaging lawsuit to clean your business out for good.

Whether you take out restaurant insurance to cover your company against claims of contaminated food, cyber liability coverage to limit the damage that a cyber attack could have on your business or a commercial umbrella policy to pick up the slack of your general liability policy, being covered has never been more important.

Ready to talk business insurance in NJ Get in touch with Harrah and Associates by calling (609) 587-8030 today. Interested in learning more about each option we offer? Follow the links below.

Business auto insurance is designed to cover vehicles used for commercial purposes. If you run a business and your employees operate vehicles, such as cars, vans or trucks, you should have coverage.

Business income insurance or business interruption insurance is designed to keep you afloat if you have to close premises, on a temporary basis, to carry out repairs or for other reasons.

We make your insurance buying process simple so you’ll have more time to focus on your business. It’s important to have help navigating business insurance, because one lawsuit or accident can send you into financial mayhem.

With a commercial umbrella policy, your coverage is activated if you have exceeded the benefits you have through another type of business policy. If your company is involved in a lawsuit and you have reached the financial limit of your insurance policy, you can use your commercial umbrella plan to bridge the gap.

Companies of all sizes are vulnerable, and research suggests that over 50% of small businesses in the US have experienced recurrent security breaches. Cyber liability insurance is designed to cover your liability if your business is the victim of a cyber attack, which results in personal information and data being leaked.

Any organization that has an officer or a board of directors can apply for Directors and Officers liability insurance. This includes public companies, private companies, financial institutions and non-profit organizations.

Employee civil suits can also include discrimination, sexual harassment, wrongful termination, emotional distress, wrongful discipline and more. These claims are all increasing by record numbers. This leaves you, the business owner, with much to worry about.

By investing in general liability insurance coverage, business owners can shield themselves from unexpected costs and protect the companies they have worked so hard to build and develop.

Errors and Omissions (E&O) and professional indemnity insurance. Some people use E&O as a specific type of professional liability catered to advisers and those in financial services, however, E&O and professional liability are used interchangeably in most cases.

This is great news for restaurant owners. With more and more folks choosing to eat out rather than at home you want to ensure that their dining experience and every meal you serve is enjoyed. For each step of the culinary process from dicing to caramelizing and grilling to the moment your patrons leave fully satisfied, you want the proper protection.

All employers based in NJ are required to have Workers’ Compensation insurance.  This applies to corporations and LLCs (limited liability companies) that employ at least one person who is paid for doing their job. Seasonal workers should be protected by Workers’ Compensation, but insurance is not required for volunteers or interns.

Lower Your Risk

At Harrah and Associates, we understand that every business is unique, which is why we have put together comprehensive business insurance policies to cover most eventualities.

Areas we cover include, but are not limited to:

  • Business Auto Insurance
  • Business Income Insurance
  • Business Owners Policy
  • Commercial Umbrella Policy
  • Cyber Liability Coverage
  • Directors and Officers Liability Insurance
  • Employee Practices Liability Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Restaurant Insurance
  • Workers’ Compensation

This list may seem daunting, but we can help you identify the form of business insurance in NJ that is most suitable for your needs. It may be that you need to insure your company for a variety of circumstances, and we can put together a policy that does that with ease.

For example, if you run a business with its own fleet of vehicles, you will need to have business auto insurance coverage to ensure that your trucks, taxis or limos and your company are all covered in the event of an accident. You will also need to have general liability insurance that will protect you from claims against third parties who are harmed by your business.

In fact, in New Jersey, it is often required that businesses have general liability insurance if they are to operate legally, and that is something we can help you with.

You might also be required by the state or local regulations to have certain policies, such as workers’ comp, which protects your employees should be injured on the job.