aerial picture of Ocean County New Jersey

Almost a third of Ocean County, New Jersey is water so it is no surprise that this part of the Jersey Shore is renowned for its wonderful beaches complemented by amusement parks, water rides, restaurants, and hotels. Nonetheless, many kinds of non-hospitality businesses thrive in Ocean County — retail stores, professional practices, and services of all types dot the area, and all of them require powerful insurance coverage to remain successful. Many of these businesses are drawn to Blue Lion Insurance Advisors, LLC by our reputation for excellence. 

Why We Are the First Choice of So Many Clients

At Blue Lion Insurance Advisors, LLC, we offer a number of advantages for business owners seeking Commercial Insurance since we provide:

  1. A wide range of insurance policies covers everything from hurricanes to lawsuits.
  2. Savvy insurance advisors guide clients to comprehensive, cost-effective coverage. 
  3. Independent service. We have no affiliation with any insurance company so we can always put your needs first. 
  4. Efficient, effective, dedicated service 
  5. Free consultations to discuss your Commercial Insurance options. 
  6. Commitment to standing by you when you have to file an insurance claim.

Once you contact us at (732) 649-1600 or online, you will recognize that our reputation for outstanding customer service is well-founded. We pride ourselves on maintaining long-term relationships with our clients based on mutual trust. You can count on us to do everything in our power to make your business secure.

Experience the Relief of Having the Right Insurance

As anyone who has been through a disastrous business disruption will tell you, one fully paid insurance claim is worth more than all the premiums paid during a lifetime. Without appropriate Commercial Insurance, a single devastating fire, product defect, or lawsuit for personal injury can cripple a thriving business.

Be proactive. Contact Blue Lion Insurance Advisors, LLC before an imagined threat becomes a reality. Now is the time to strengthen your company to withstand:

  • Theft and vandalism
  • Natural catastrophes, such as hurricanes, floods, nor’easters, fires
  • Costly lawsuits that accuse your company of premises or product liability
  • Employee claims of discrimination, harassment, wrongful termination

We Know the Right Questions to Ask to Assess Your Insurance Needs

Our accomplished insurance advisors know that it is essential to appraise your insurance needs on an individual basis. We are risk management specialists and can keep you from purchasing insurance you do not need as well as from failing to purchase insurance that can keep your business afloat in an emergency.

Asking you about the following aspects of your company will help us ensure that the policies you purchase offer maximum protection in the areas you require and do not overload you with unnecessary or redundant coverage: 

  • The type of work you do
  • Your inventory
  • Your location
  • The size of your staff
  • The equipment and/or vehicles you use
  • The nature of the tasks your employees perform
  • How often visitors come to your workplace

Becoming familiar with your company allows us to correctly evaluate the kinds of Commercial Insurance you need.

Commercial Insurance in Ocean County

Whichever kind of company you own — a small business, a large corporation, a retail store, a franchise, or a professional practice, you need Commercial Insurance to protect:

  • Your profit margin
  • Your income
  • Your assets
  • Your ability to pay all of your expenses 
  • Your ability to pay your employees’ salaries 

Just remember that without proper insurance, a single hurricane or even one slip and fall accident claim could destroy not only your business but your legacy.

Business Liability Insurance in Ocean County

Business Liability Insurance can protect you from a broad range of liability claims, including those brought by:

  • Customers, vendors, clients, or visitors for personal injuries
  • Customers or competitors for your running misleading ads or violating copyrights or patents 
  • Landlords claiming that you damaged or destroyed the property you rent
  • Local residents or other businesses that claim your equipment, vehicles, or employees damaged their property
  • Customers, clients, or competitors who claim your business or employees damaged their reputations through slander or libel

As we all know, litigation is time-consuming and expensive, involving huge settlements as well as court costs and attorneys’ fees. Obtaining the right Business Liability Insurance now can save you from a potential bankruptcy in the future by covering both.

Employment Practices Liability Insurance (EPLI) in Ocean County

No matter how fair-minded you are as an employer and no matter what steps you take to maintain a congenial and respectful environment at your workplace, one disgruntled employee’s claim of discrimination or wrongful termination can send your business into a tailspin. This is why it is crucial to have Employment Practices Liability Insurance (EPLI). 

EPLI can protect you from lawsuits that accuse your company of:

  • Poor working conditions (e.g. environmental hazards, failure to follow safety protocols)
  • Discrimination for a protected characteristic (e.g. ethnicity, religion, race, skin color, gender, sexual orientation, gender identity) in terms of hiring, promotion, bonuses, etc.
  • Wage and hour inequities (e.g. misclassification)
  • Sexual harassment
  • Wrongful termination

Commercial Flood Insurance in Ocean County

Did you know that flooding is the most common natural disaster? Perhaps even more troubling, a significant portion of flood claims are filed by owners of businesses, not in high-risk flood zones. 

As the climate warms, flooding is becoming more common. Add to that the fact that even a small amount of water can destroy significant property or precipitate the growth of bacteria or mold, and you begin to see the scope of the problem. Contact our Flood Insurance advisors now to have the necessary coverage before the need arises.

Contact Our Experienced Commercial Insurance Advisors Today

You have worked hard and long to make your business the successful enterprise it is today. Don’t let it flounder because you didn’t take the time to vet your insurance provider. You can rely on our well-informed Commercial Insurance advisors to guide you with the personal concern your business deserves. Contact us now so we can see to it that your insurance coverage is Blue Lion Strong™.