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Brick, New Jersey is one of the safest cities for its size in the country. Home of the Ocean Ice Palace hockey venue, Brick also boasts Havens Homestead Museum and a number of lovely beaches. In addition, many types of businesses flourish in the town, including medical facilities, contracting enterprises, home and garden centers, food and dining establishments, and financial institutions. All of Brick’s businesses require dependable insurance. Increasingly, many of them turn to Blue Lion Insurance Advisors, LLC to meet their commercial insurance needs. Contact us today at (732) 649-1600 or visit our contact page.

Blue Lion Insurance Advisors, LLC is a well-respected firm with a long history of providing clients with excellent insurance and risk management services at a reasonable cost. Because our highly trained advisors are not affiliated with any particular insurance companies, our only loyalty is to our clients. Contact our Brick Insurance Company soon to find out why so many companies in Brick and throughout New Jersey rely on our capable insurance advisors to evaluate their needs and present them with options best suited to meet them.

Blue Lion Insurance Advisors, LLC Offers a Full Range of Commercial Insurance

The insurance your business needs depends on multiple variables, such as your location, the type of work you do, whether your business uses its own vehicles or equipment, whether you own, rent, or lease the workplace property, whether you maintain inventory, whether you have proprietary intellectual property, etc.

Because Blue Lion Insurance Advisors, LLC deals with a broad range of commercial clients — from small shops to retail establishments, from construction, manufacturing, and distribution companies to service providers, professional organizations, and national franchises — we can provide you with just about every kind of insurance your business might need, including:

  • Professional Liability Insurance
  • Workers’ Compensation Insurance
  • Cyber Liability/Data Breach Insurance
  • Directors & Officers Insurance
  • Errors & Omissions Insurance
  • Business Property Insurance
  • Business Continuation Insurance
  • Business Auto Insurance
  • Construction Liability Insurance
  • Insurance for Specific Industries

Our team has in-depth knowledge of each type of insurance we offer and our advisors are more than happy to clarify the specifics of any kind of insurance you are considering. All our insurance products are designed to help protect your company from physical, financial, or reputational damage. You can depend on us to recommend the best policies to keep you secure in the face of fire, weather calamities, theft, injuries to your employees, and lawsuits against your business. Contact us today to find out how.

Common Types of Commercial Insurance in Brick, New Jersey

General Liability Insurance

General Liability Insurance protects your business from a variety of lawsuits, including claims that:

  • Your business damaged someone else’s property
  • Your business caused someone bodily harm
  • Your business or employees damaged the reputation of a customer/client/competitor
  • Your business infringed on a copyright, ran misleading ads, or committed libel or slander
  • Your business damaged property you rent

If a verdict goes against you, General Liability Insurance will provide you with the funds to pay medical expenses, property damage, reputational repair costs, or legal expenses.

Employment Practices Liability Insurance (EPLI)

EPLI is vital now that numerous federal and state laws entitle your employees to sue your company for numerous kinds of discrimination, including discrimination due to:

  • Race
  • Age
  • Sex, sexual orientation, gender identity
  • Religion or belief system
  • Ethnicity, color, country of origin
  • Disability
  • Marital status
  • Military status
  • Pregnancy

In addition, EPLI will protect you from employee claims of invasion of privacy, false imprisonment, wage and hour violations, and breach of contract. Since, depending on circumstances, a single lost lawsuit could cost your company dearly, both in terms of lost assets and reputational damage, EPLI is an essential investment.

Cyber Security Liability Insurance

Because so many business transactions and other records are stored electronically, it is essential to have Cyber Security Liability Insurance. This type of insurance will protect your company from data breaches, cyber-attacks, and the legal expenses your company will be liable for if someone on your staff inadvertently harms another individual or company through a computer error.

Professional Liability Insurance

The word “professional” has a broader meaning than some people realize, referring to individuals who have special training and knowledge in their chosen fields. Therefore, Professional Liability Insurance covers the mistakes of a broad spectrum of professionals,
such as:

  • Doctors and lawyers
  • Accountants, financial analysts, and advisors
  • Architects and engineers
  • Psychologists and other mental health counselors
  • Marketing consultants
  • Real estate brokers
  • Engineers and architects
  • Scientists
  • Educators
  • Healthcare workers and beauticians
  • Contractors and commercial builders
  • Technological experts

Professional Liability Insurance protects our clients against accusations of negligence, malpractice, providing erroneous information, or misrepresenting their skills or credentials.

Brick Business Property Insurance

Business Property Insurance protects your company property from fire, theft, vandalism, and windstorms, though in order to provide coverage for floods or earthquakes special riders are required. Typically, Business Property Insurance covers:

  • Stored inventory on your business property
  • Office furniture
  • Personal property on the premises
  • Structures on the property
  • Tools and equipment used to operate your business
  • Essential documents for running your business
  • Computers, printers, and fax machines used on the business property

Brick, NJ Franchisor and Franchisee Liability Insurance

Franchise operations, like other businesses, require protection from civil lawsuits brought against them for:

  • Slander of clients, customers, or competitors
  • Merchandise sold by the franchise that is defective, damaged, and harmful
  • Customer injury on the premises

Though some individuals go into franchising operations feeling completely protected by the umbrella company, it is important to realize that even working with a proven business model, you still take risks. Fortunately, our insurance advisors, having worked with franchises for many years, have a well-developed understanding of what types of insurance coverages such franchises require.

Contact Our Experienced Brick Commercial Insurance Advisors Today

All over New Jersey, savvy business owners are reaching out to Blue Lion Insurance Advisors, LLC for the excellent insurance guidance we provide. Brick Township is no exception. Business owners in Brick are well aware of our reputation for responsive, personalized service and our commitment to protecting your assets as if they were our own. Contact us soon for a free consultation about how to make your business insurance Blue Lion Strong™.