What makes us special is we educate people on the insurance market and feel out what their personal needs are and make the best customized recommendation. Insurance is not a one fits all we truly get to know our client like they are our own family.
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Protect your business, employees, and assets with customized commercial insurance solutions for every industry.
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Commercial Insurance in New Jersey
Owning a small business in the state of New Jersey comes with a lot of responsibility. One of those responsibilities is being able to obtain commercial insurance to protect your business and employees in the event something was to happen. We can help you get on the right track here at Creative Risk Management LLC in Wall Township, NJ if you are looking to insure your business. Commercial insurance also works to protect your business from legal claims and settlements that can have a major impact on your business finances.
Commercial Insurance Requirements
While New Jersey does not require businesses operating in the state to obtain commercial insurance, the state does have a reputation for lawsuit abuse. It would be a smart decision to invest in general liability coverage for your business if you have valuable assets or if you own property in the state. Accidents and lawsuits can and do happen. However, the state does require businesses to carry worker’s compensation insurance for any business that employs at least one person (full-time or part-time).
New Jersey also requires drivers to obtain auto insurance if the car or truck is being used for business purposes. Employers must also provide employee disability coverage income for up to 26 weeks.
Additional Coverage
Business insurance will keep your business protected from financial loss as a result of injury or damage claims. Policies typically consist of:
- Bodily injury- damage that is physical to another person or employee at your business
- Property damage- any damage caused by yourself or an employee to another person’s property
- Personal injury- includes slander, libel, invasion of property or privacy, false arrest and more
- Advertising injury- any loss that was caused by your advertising
- Legal defense and judgments- covers expenses to defend against judgments and suits
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We work with your company to identify position requirements, implement recruitment programs, and
initiate employee assessments that maximize recruitment efforts
Protect your home, belongings, and peace of mind with reliable coverage for unexpected damage, theft, and disasters.
Stay protected on every ride with motorcycle coverage for accidents, theft, damage, and liability.
Protect your personal belongings and enjoy peace of mind with affordable coverage for theft, damage, and liability.
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We work with your company to identify position requirements, implement recruitment programs, and
initiate employee assessments that maximize recruitment efforts
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Commercial Insurance FAQs
Check our FAQs for quick answers to frequently asked questions we receive.
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- What does Purazzo Insurance Services Inc. do?
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Purazzo Insurance Services Inc. helps individuals, families, and businesses understand their insurance options and choose coverage based on their specific needs. We focus on education, personalized guidance, and customized recommendations rather than a one-size-fits-all approach.
- What types of insurance do you offer?
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We offer a wide range of insurance solutions, including Life Insurance, Home Insurance, Auto Insurance, Health Insurance, Business Insurance, Captive Insurance, Moto Insurance, Payroll Solutions, and Retirement Planning.
- What are voluntary benefits?
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Voluntary benefits are optional insurance coverages that can help protect employees and individuals from out-of-pocket expenses related to illness, injury, hospitalization, disability, dental care, vision care, and other life events. These plans can often be offered through an employer and may be paid by employees, employers, or a combination of both.
- What voluntary benefits do you specialize in?
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We specialize in voluntary benefits including Cancer and Critical Illness coverage, Accident Insurance, Hospital Indemnity, Short-Term Disability, Dental, Vision, Life Insurance, and Maternity Packages.
- Do you work with both individuals and businesses?
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es. Purazzo Insurance Services Inc. works with individuals, families, and businesses. Whether you are looking for personal coverage or employee benefit options for your company, we help review your needs and explain available options.
- Why should I work with Purazzo Insurance instead of choosing a plan online myself?
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Insurance can be confusing, and the lowest-priced plan is not always the best fit. We help you understand what the policy does, what it does not cover, and how it fits your needs so you can make a more informed decision.
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