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Tech and Software Company Business Insurance

NJ Startup Business Insurance

Finding the right commercial and business insurance for your startup can be complicated and time-consuming. We solve this by partnering your business with the right insurance company to meet your unique needs and optimizing your insurance experience with dedicated insurance advisors. 

We help you create insurance solutions designed around your unique startup.

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New Jersey startup businesses face unique risks that need to be protected against.  The Overmyer Insurance Agency understands the risks, and we help you find the right insurance company and coverage you need to protect your business. 


Every insurance company is different, and we have partnered with multiple insurance companies to do the heavy lifting for you to find the right fit to protect your business.  

We help you focus on your business, and we will make sure your business has the right protection.

Insurance Coverage We Offer For NJ Startup Businesses

Directors and officers liability insurance, also known as D&O insurance, protects the directors and officers of your business from financial losses resulting from wrongful decisions or actions taken in the course of their duties. 

Director and Officer Liability Insurance (D&O)

Protect your business from cyber attacks, data breaches and malware.  This coverage can also protect against 3rd party damage, and lawsuits that can arise from a cyber related attack.

General Liability Insurance

General liability insurance coverage protects businesses from financial losses resulting from third-party claims of bodily injury or property damage. 

Employment practices liability insurance (EPLI) is a type of insurance that helps protect businesses from financial losses resulting from employment-related claims made by employees, such as discrimination, harassment, wrongful termination, and retaliation.

Workers compensation insurance coverage protects your business from financial losses resulting from employees who suffer on-the-job injuries or illnesses.

Commercial umbrella insurance protection provides additional liability above the liability coverage that is on your businesses general liability policy, commercial auto or business owners policy (BOP).

Startup Business Insurance Costs 

One of the key considerations when choosing insurance for your startup is the associated costs. As a business owner, it's natural to be concerned about how insurance premiums will impact your bottom line. While the price of insurance varies based on several factors, including the type of coverage and your business's specific circumstances, understanding the factors that influence insurance costs can help you make informed decisions.  This is where OIA comes in. We can help you find the right coverage to meet your needs and budget and understand your coverage to make better insurance decisions.

Some of the factors that determine the cost of your business insurance are:

  • Type of Coverage: Specialized coverage is often pricier than fundamental policies like general liability and property insurance, which can be bundled into cost-effective Business Owner's Policies (BOP).

  • Business Size and Revenue: Larger startups with higher revenues typically pay more due to increased risk exposure, while smaller startups can enjoy more cost-effective coverage.

  • Industry and Risk Profile: Riskier industries may lead to higher premiums due to elevated liability or property risks.

  • Location: Your startup's location can impact costs, especially if it's in an area prone to disasters or high crime rates.

  • Number of Employees: Larger workforces lead to higher workers' compensation premiums.

  • Deductibles and Coverage Limits: The deductible and coverage limits you choose affect costs, with higher deductibles leading to lower premiums.

  • Claim History: Past claims can affect future premiums, so maintaining a clean claims history is essential.

  • Bundling and Discounts: Bundling policies and insurer loyalty can lead to cost savings.

  • Risk Management Practices: Proactive risk mitigation can positively influence costs.

  • Annual Policy Review: Regular policy reviews ensure your coverage aligns with your startup's evolving needs.

Balancing protection and budget is key. Consult with an experienced insurance advisor, such as the Overmyer Insurance Agency, to find cost-effective solutions that offer the necessary coverage for your New Jersey startup. 

After your insurance coverage starts, our job is just beginning.

We are your dedicated insurance advisor, and your insurance experience is our main focus.

If you have a claim, coverage questions, or need to make a change to your insurance policy, we are here for you.

No need to contact unknown and inexperienced customer service representatives. 

We let you focus on growing your business, we make sure you have the right coverage.

Finding The Right Insurance Coverage Doesn't Need To Be Complicated and Time-Consuming.

Our streamlined process provides you with a frictionless insurance experience:


Give a little info, get a lot of insight

Start entering the information about your business or home and auto insurance needs, and we will take care of the rest.


We analyze your needs 

We start by pricing and quoting your policies with the multiple insurance companies we represent, then we fine-tune the coverage to meet your needs and budget.


Insurance designed for you in mind

Together we match you with the best insurance company, pricing, and coverage to fit your needs.


Real-Time Consulting

We are here for you.  As your dedicated personal insurance advisors, we are just a call or click away for questions, claim assistance, policy changes, or coverage reviews.


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Easily Receive NJ Startup Business Insurance Quotes From Multiple Companies

As an independent insurance agency, we can provide competitive personal and business insurance quotes that are designed for you.

Travelers Insurance
Progressive for auto and business insurance coverage
CNA Insurance
The Hartford Business Insurance
Nationwide Insurance
Chubb Insurance
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