Protect Your Business Assets
Comprehensive property insurance for New Jersey businesses. Protect your building, equipment, inventory, and income with coverage designed for commercial properties.
Your business property represents years of hard work and investment. From your building and equipment to inventory and business income, you need comprehensive protection against the unexpected. Fire, theft, storms, and other disasters can strike without warning, potentially destroying everything you've built.\n\nBusiness property insurance provides the financial protection you need to rebuild and recover. Beyond just replacing damaged property, it can cover lost income while you're closed for repairs, ensuring your business survives even major disasters. Don't let a single incident erase years of success.
Coverage for all your business assets and income
Protection for owned buildings including structures, fixtures, and permanently installed equipment
Coverage for furniture, equipment, inventory, and supplies inside your business
Lost income and operating expenses if your business is forced to close due to covered damage
Protection for mechanical breakdown of heating, cooling, electrical, and production equipment
Coverage for signs, fences, and property in the open on your premises
Protection for important documents and records including cost to recreate
Protection that helps you rebuild and recover
All-risk protection with replacement cost coverage for maximum protection.
Policies tailored to your property type, location, and business operations.
Risk assessment and prevention strategies to minimize claims and reduce premiums.
Specialized coverage for every type of business property
Professional offices, medical buildings, and multi-tenant properties.
Stores, shopping centers, restaurants, and hospitality businesses.
Manufacturing facilities, warehouses, and distribution centers.
Get a property insurance quote tailored to your business needs and risks.
Standard policies cover fire, lightning, explosion, windstorm, hail, smoke, vandalism, theft, and more. Flood and earthquake require separate policies. "All-risk" policies cover everything except specifically excluded perils.
Actual cash value pays the depreciated value of damaged property. Replacement cost pays to replace items with new ones of similar kind and quality. Replacement cost provides better protection but costs slightly more.
Yes, if a covered loss would disrupt your operations. It pays ongoing expenses like rent, payroll, and loan payments while you're closed, plus lost profits. Most businesses can't afford months without income.
Yes, most policies include coverage for property of others in your care, custody, or control. This includes customer property being serviced, consignment goods, and leased equipment.