Business insurance for Atlantic City businesses

The size of your company, how many people you employ, what they handle, and whether you have business vehicles all shape the coverage you need. Many businesses end up needing more than one insurance company to get everything covered. As independent agents, we can place your coverage across several companies and keep it organized in one place for you.

What we write

• Commercial property insurance
• General liability insurance
• Workers compensation
• Commercial flood insurance
• Builders risk and inland marine
• Business income
• Some commercial auto and garage

Start a business quote

Businesses we work with

• Apartment buildings
• Bars and taverns
• Beauty salons
• Contractors
• Dance schools
• Daycares
• Dentists' and doctors' offices
• Offices
• Restaurants and pizzerias

Coverage to consider

Depending on your business and the insurance you're legally required to carry, these are the coverages most owners should look at first.

General liability

Protects you against claims of bodily injury and property damage that come up during normal business operations, like a customer slipping and falling in your shop.

Start a business quote

Product liability

Covers claims that a product you made or sold caused injury or damage.

Start a business quote

Professional liability (errors and omissions)

Covers claims that you made a mistake in the professional services you provide. It can pay for your defense and any settlement, which matters because legal costs alone can run to thousands of dollars even when a claim is dropped.

Start a business quote

Commercial property

Covers your building, equipment, furniture, inventory, and supplies against losses like fire, wind, hail, smoke, vandalism, and civil commotion. It can also cover property that isn't yours but is in your care.

Start a business quote

Workers compensation

Pays for medical care and lost wages when an employee is hurt on the job. New Jersey generally requires employers to carry it for their employees. The cost depends mostly on your payroll and the kind of work your employees do.

Start a workers compensation quote

Builders risk

Covers a building while it's under construction or renovation, along with materials on site, against losses like fire, wind, and theft. It usually runs for the length of the project and ends when the work is finished or the building is occupied.

Start a builders risk quote

Business income

Replaces lost income when a covered loss forces you to close or slow down while repairs are made. It is also called business interruption coverage, and it is added to a commercial property policy, not bought by itself.

Start a business quote

Commercial auto and garage

Commercial auto covers vehicles a business owns or uses for work. Garage coverage is for businesses that repair, sell, or store other people's vehicles. We write some of these policies, not all, so call us or tick it on the business quote form and we'll tell you whether yours is one we can help with. We don't write personal auto insurance.

Start a business quote

Flood

A typical commercial property policy covers some water damage but excludes flooding. To be covered for flood, your business needs a separate flood policy or endorsement. Water damage exclusions vary from one insurance company to another, so review your policy with us before you need it.

Start a flood quote