An aerial view of a densely populated neighborhood in Piscataway, New Jersey

Piscataway, though an integral part of New Jersey, is also a vibrant suburb of New York City. Its dual identity makes it a center of thriving businesses. The business owners of Piscataway are generally sophisticated and diverse, well aware of the critical role Commercial Insurance plays in keeping their companies resilient and successful when they are hit with unexpected challenges.

Blue Lion Insurance Advisors, LLC is known in Piscataway and throughout New Jersey as a firm that provides a wide range of Business Insurance at reasonable costs while also providing exceptional customer service. If you own a company in Piscataway, contact our skilled insurance advisors at our Piscataway Insurance Company: (732) 649-1600 or online for a free consultation to find out which types of Business Insurance are right for you.

Why Blue Lion Insurance Advisors, LLC Is the Wise Choice

Because our firm is not affiliated with any particular insurance company, we only owe loyalty to our clients. For this reason, we offer a broad spectrum of Commercial Insurance policies and are objective about which policies are best suited to your company’s needs. 

Why Insurance Premiums in Piscataway Vary from One Customer to Another

Business Insurance costs can be affected by many factors, such as:

  • Location (flood zone, high crime area)
  • Number of employees
  • Whether the business property is owned, rented, or leased 
  • Type of business (construction, manufacturing, professional practice)
  • Whether the business owns vehicles or equipment
  • Whether the business maintains inventory
  • Whether the business has proprietary intellectual property

Contact us to discuss which factors can affect your Business Insurance premiums. We will work with you to meet your budgetary needs so we can provide you with the insurance most essential to your company. 

We Offer a Wide Variety of Commercial Insurance Policies for Piscataway Residents

Whether you are the owner of a small grocery, a department store, a manufacturing or distribution company, a construction company, a professional practice, or a franchise, Blue Lion Insurance Advisors, LLC is ready to assist you. Our insurance advisors can advise you of the risks and benefits of all types of Commercial Insurance Policies, including:

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

Please take advantage of our in-depth knowledge of each type of insurance. We will explain the details of any policy we offer and discuss its overall coverage and limits. Our goal is to provide your company with the insurance to recover from physical, financial, or reputational harm. 

The sooner you contact us, the sooner your business can weather: 

  • Fire and storms
  • Theft and vandalism
  • Employee injury claims
  • Lawsuits against your company

Details About Common Types of Commercial Insurance in Piscataway

Business Property Insurance

Business Property Insurance can cover your company’s property from the financial catastrophe caused by external threats, such as fire, hurricanes, theft, and vandalism. Notably, Flood and Earthquake Insurance require separate riders.

Business Property Insurance can cover outdoor structures on the property (e.g. fences) as well as:

  • Computers, printers, and fax machines used on the property
  • Essential documents
  • Office furnishings
  • Personal property on the premises 
  • Stored inventory on business property
  • Tools and equipment 

General Liability Insurance

General Liability Insurance can provide coverage from another set of risks entirely: lawsuits. It is vital to be aware that a single lawsuit in which the verdict goes against your company can leave your business bankrupt unless you have General Liability Insurance to provide a safety net. This insurance can protect your finances if someone claims that your business or one of your employees:

  • Caused someone bodily harm
  • Damaged the property you rent
  • Damaged someone else’s property
  • Infringed on a competitor’s copyright
  • Ran misleading ads
  • Committed libel or slander

General Liability Insurance can provide the necessary funds to cover medical costs, property damage, reputational repair costs, and legal expenses if a verdict goes against you.

Employment Practices Liability Insurance (EPLI)

Federal and state laws protecting employees from discrimination are a good thing; however, such laws can be misused by disgruntled employees. Every employer, no matter how fair-minded, should have EPLI Insurance to protect them from a lawsuit falsely claiming that their company mistreated an employee due to:

  • Age (over 40)
  • Race
  • Marital status
  • Military status
  • Pregnancy
  • Disability
  • Religion or belief system
  • Sex, sexual orientation, gender identity
  • Ethnicity, skin color, country of origin

It’s important to remember that no employer, no matter how egalitarian, can count on never being sued for discrimination. EPLI can also protect you from employee claims of invasion of privacy, false imprisonment, wage and hour violations, and breach of contract.

Professional Liability Insurance

Because even professionals make mistakes, Professional Liability Insurance may be necessary for all professional practices. Professionals who require Professional Liability Insurance include:

  • Doctors, lawyers, accountants 
  • Psychologists and other mental health counselors
  • Healthcare workers and beauticians
  • Financial analysts and advisors
  • Architects and engineers
  • Marketing consultants
  • Real estate brokers
  • Scientists
  • Educators

Any professional who may be accused of negligence, malpractice, dispensing erroneous information, or misrepresenting their skills or credentials should have the protection of Professional Liability Insurance.

Franchisor and Franchisee Liability Insurance

Even though franchises work from a successful model, they are not immune to civil lawsuits claiming that they:

  • Slandered clients, customers, or competitors
  • Sold defective, damaged, or contaminated merchandise 
  • Are responsible for an injury to a customer on company premises

Our insurance advisors can advise you about which Franchise Insurance can provide you with the best coverage.

Cyber Security Liability Insurance

These days, when so many business transactions are stored electronically and so much business takes place online, Cyber Security Liability Insurance is a necessity for most companies. Such a policy can help your company as it recovers financially from data breaches, viruses, malware, phishing, and other common cyber attacks. Cyber Security Liability Insurance can also provide coverage for repair costs and legal expenses if one of your employees causes online damage.

Contact Our Experienced Business Insurance Advisors Today

Purchasing Business Insurance is time-sensitive. Contact us now so we can make your insurance Blue Lion Strong™ before you have to make a claim.