Small Business Insurance in New Jersey

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

Coverage Plans for All Your Needs

Starting a business in New Jersey opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.

BASIC

Essential coverage for your New Jersey business


General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury

STANDARD

When you also have equipment or operate from an office


General Liability + Property (bundle them with a BOP)

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All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records

PRO

When you also have at least one employee


General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees

CUSTOM

When you have specific requirements


Including Commercial Auto, Surety Bonds, Umbrella, etc

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  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

Whether you’re looking to satisfy New Jersey requirements with Workers Comp and Disability Insurance or know insurance is the only way to protect your finances, we’ve got you covered.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

What are the minimum insurance requirements for New Jersey businesses?

New Jersey only requires businesses carry Workers Comp and Disability Insurance if they have at least 1 employee. All other policies are optional according to NJ law.

How much Liability Insurance should I carry?

There is no right or wrong amount. A good rule of thumb is to protect your financial well-being if a claim occurs. Many businesses choose to carry $1,000k/$2,000k limits.

How much does business insurance cost in New Jersey?

Every insurance company views businesses differently. Depending on your services, safety policies, and experience, premiums can vary.

Do I need General and Professional Liability Insurance?

Possibly. The two policies protect you against different claims. Every business needs General Liability. You also need Professional Liability if you offer advice to others such as financial, health, or legal advice.

What types of coverage should I buy for my business?

That depends on what your business offers. If you offer advice, Professional Liability is a must. If you transport goods, you should buy business auto and Inland Marine Insurance. It is best to discuss your business with an insurance expert.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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The Power Behind CoverWallet

Algorithms, Science, Magic
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State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Enter your zipcode to get started or call (646) 844--9933 anytime.

References for Small Businesses in New Jersey

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

SBA Office of New Jersey

Two Gateway Center Suite 1501, Newark, NJ, 07102
Mon through Fri from 8:00 AM to 4:30 PM
Visit the website

New Jersey Department of Banking & Insurance

20 West State Street PO Box 325, Trenton, NJ, 08625
Mon through Fri from 8:00 AM to 5:00 PM
Visit the website