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NJ Business Insurance - Overmyer Insurance Agency

New Jersey Business Insurance 

New Jersey Small Business Insurance: Protecting Your Business and Your Future

Small business owners in New Jersey face unique challenges when protecting their businesses and ensuring their financial stability. So many factors can impact a small business, from the harsh Atlantic weather, unpredictable economy, and litigious society. It is critical for small business owners in New Jersey to have the right insurance coverage in place to protect the business they have built.


At the Overmyer Insurance Agency, we understand small business owners' challenges and offer a range of insurance products to help protect their businesses and livelihoods. Our New Jersey small business insurance products provide comprehensive coverage options for your business. Every business is different, and we match you with the right insurance company and coverage to meet your specific needs.


Key Benefits of New Jersey Small Business Insurance from the Overmyer Insurance Agency


Comprehensive Coverage: Our New Jersey small business insurance products protect your business from a wide range of risks, including property damage, liability, and business interruption.


Customizable Coverage Options: We understand that no two businesses are the same, so we offer customizable coverage options that allow you to choose the best coverage and company for your business.


Affordable Pricing: Small business owners should have access to affordable insurance coverage, which is why we offer competitively priced insurance products.


Focus on Your Insurance Experience:  As your dedicated insurance advisor and advocate, our job starts when you start your business insurance policy with The Overmyer Insurance Agency. If you have a claim, coverage question, or need to make a change to your policy, we are here for you, and just a call or click away.


Understanding Your Small Business Insurance Needs in New Jersey

Understanding your unique risks and insurance needs is important to help you determine the right insurance coverage for your business. Here are some important factors to consider:


Industry: The industry you are in will play a role in determining your insurance needs. For example, a retail store will have different insurance needs than a construction company.


Location: The location of your business will also impact your insurance needs. For example, businesses in coastal areas of New Jersey may need more comprehensive coverage for weather-related risks.


Business Size: The size of your business will also impact your insurance needs. For example, a small retail store may have different insurance needs than a larger retail chain.


Business Assets: The assets you have in your business will also impact your insurance needs. For example, businesses with expensive equipment or large inventory may need more comprehensive coverage.


Coverage To Protect Your NJ Business:


Workers' Compensation Insurance

Workers' compensation insurance is mandatory coverage for businesses in New Jersey. It covers medical expenses, lost wages, and rehabilitation costs for employees who are injured or ill due to their job duties.


Commercial General Liability Insurance

Commercial general liability insurance protects your business against financial loss if you are found liable for injury or property damage to a third party. This coverage can also include protection for advertising injury and personal injury.


Business Owners Policy (BOP)

A business owners policy (BOP) is a package policy that combines several types of coverage, including commercial general liability and property insurance, into one convenient policy. This type of coverage is often recommended for small to medium-sized businesses as it can provide comprehensive coverage at an affordable cost.


Commercial Auto Insurance

Commercial auto insurance provides coverage for vehicles used for business purposes, such as delivery vehicles and company cars. 


Cyber Liability Insurance

Cyber liability insurance protects businesses against financial loss due to data breaches and cyber-attacks. This coverage can also assist with crisis management and public relations in the event of a cyber attack and provide 3rd party damage protection.


Employment Practices Liability Insurance (EPLI)

This insurance coverage protects a business from financial losses due to lawsuits related to employment issues such as discrimination or wrongful termination.


Professional Liability/Malpractice Liability

Also known as errors and omissions insurance, this coverage protects your business from financial loss in the event of a third-party claim of professional negligence.

How to Choose the Right Insurance Coverage for Your Business


When choosing the right coverage for your business, it is important to consider your specific industry and the risks your company may face. For example, a construction company will likely need different coverage than a retail store or office.

It is also important to work with a reputable insurance agent, such as the Overmyer Insurance Agency, who can help you understand the options available and recommend the best coverage for your business.

What Is The Difference Between Working With An Insurance Company and An Independent Insurance Agency?


Typically when you work with an insurance company, you only have one option for your business insurance needs. One of the biggest advantages when working with an independent insurance agency such as the Overmyer Insurance Agency is the ability to compare multiple insurance options from different insurance companies. We partner with many insurance companies, which means we can help you find the best policy that fits your specific business insurance needs and budget. 


Additionally, we are your dedicated insurance advisor and advocate. Our job is just beginning when you start your business insurance policy with our agency. We are there for you if you have a claim, coverage question, or have to make a change to your policy.  There is no need for you to chat with bots, contact call centers with inexperienced customer service representatives, or wait on hold. 


Why Choose The Overmyer Insurance Agency?

Saving money on your NJ business insurance is just the start.  We help you protect the business you have built by having sufficient coverage for the day-to-day risks business owners face.  


This is where the Overmyer Insurance Agency comes in.


We understand that every business is unique, and we will work with you to tailor a business insurance policy and coverage that fits your specific needs and budget.


We are here for you. Call or click for a coverage review or quote:




 We look forward to helping you.

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