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Insurance for the Residents and Business Owners of the Popular Boardwalk Town of Seaside Heights, NJ

Seaside Heights, New Jersey is a place of business as well as joyful recreation. Known for its beaches, outdoor and indoor dining, fireworks, concerts, and movies at the beach, Seaside Heights is also home to a large number of successful businesses. Realtors, media and marketing firms, computer services, asset management companies, as well as amusement parks, restaurants, and hotels, flourish throughout the borough. All of them require strong insurance to keep afloat. Fortunately, Blue Lion Insurance Advisors, LLC is here to provide it.

What Makes Our Company Unique

Because we are not affiliated with any particular insurance company, we can make your best interests our top priority. We offer a wide range of policies and expert guidance to help you choose the ones that best suit your needs. Contact us at (732) 649-1600 or online for a free consultation to discuss your options. You will find our team to be as friendly and easy to deal with as we are efficient.

Blue Lion Insurance Advisors, LLC has a well-earned reputation for exceptional customer service. Once you come on board as our client, we will work hard to maintain a trusting relationship with you.

Because we handle only Commercial Insurance products, our advisors are experts in this field, laser-focused on providing you with the most comprehensive Commercial Insurance available at a price within your budget. You can rely on us to be proactive in protecting your business and to stand by you if you have to make a claim.

How Purchasing the Right Commercial Insurance Saves Money

Even for those of us who feel well-grounded, the world is full of instability. Inflation, recession, pandemics, and accidents are all part of the daily news reports. For this reason, it is crucial to prepare for calamities due to any number of causes. When you turn to our insurance advisors, we can keep you apprised of new or increased risks to your business and help you to put up the necessary guardrails.

Multiple risks that may negatively impact your enterprise include:

  • Natural catastrophes, e.g. hurricanes, floods, nor’easters, fires
  • Theft and vandalism
  • Costly lawsuits

Our insurance advisors have a comprehensive knowledge of their discipline so they know precisely which questions to ask you to properly assess your requirements for Commercial Insurance. To recommend the necessary insurance policies for you, we can identify your risk level by learning the ins and outs of your business, including but not limited to:

  • The type of work you do
  • Your inventory
  • Your location
  • The equipment you use
  • The size of your staff
  • The nature of the tasks your employees perform
  • How often visitors come to your place of business

Once we become familiar with your company, we can assist you in purchasing Commercial Insurance policies best designed to protect your business.

Commercial Insurance in Seaside Heights

No matter what type of company you own — a small business, a large corporation, a franchise, a retail store, or a professional practice, you have a basic need for Commercial Insurance to ensure that your assets, your profit margin, your income, the salaries of your employees, and your ability to pay all of your expenses are fully protected.

Business Liability Insurance in South Toms River

Business Liability Insurance is essential since this is the type of insurance you turn to when you have to respond to:

  • Personal injury claims filed by customers, vendors, clients or other visitors to your premises
  • Claims by area residents or other businesses that your equipment or employees have damaged or destroyed their property
  • Claims by customers, clients, or competitors that your business or employees have damaged their reputations
  • Claims that your business ran misleading ads or violated copyrights or patents
  • Claims that you damaged or destroyed your business’s rented property

Having the right Business Liability Insurance is certainly a worthwhile investment since litigation of any kind is extremely expensive. Not only can proper Commercial General Liability Insurance protect you from having to pay potentially huge settlements, but it can also cover attorneys’ fees and court costs if you are hit with a lawsuit.

Commercial Flood Insurance

According to the Federal Emergency Management Agency (FEMA), flooding is the most common natural disaster. Even more disturbing, FEMA reports that approximately 20 percent of flood claims are filed by those who do not live in high-risk flood zones. Remember that procrastinating about buying Flood Insurance may cost you dearly. Climate change is upon us and flooding is becoming more and more common. Contact our insurance advisors now to make sure your business is well-protected.

Employment Practices Liability Insurance (EPLI)

In recent decades, new laws continue to be enacted to strengthen employee rights in the workplace. For this reason, it has become increasingly important for companies in New Jersey and throughout the country to have Employment Practices Liability Insurance (EPLI). This is the type of insurance that can protect your bottom line if an employee sues you for harassment, discrimination, poor working conditions, or wage and hour violations.

Don’t wait for an employment lawsuit to knock the wind out of your sails. Contact Blue Lion Insurance Advisors as soon as possible to ensure that EPLI is part of your Commercial Insurance package.

A well-chosen EPLI Insurance policy can offer you a shield if one of your employees sues you for:

  • Discrimination based on age, race, ethnicity, religion, country of origin, disability, gender, or sexual orientation
  • Discrimination in your recruiting or interviewing process or with regard to promotions, bonuses, working conditions, or employee evaluations
  • Sexual harassment
  • Wrongful termination

Don’t lose sight of the fact that no matter how fair-minded you are and no matter how carefully you work to create a respectful and collaborative environment, a disgruntled employee can hit your company with an unexpected lawsuit.

Contact Our Experienced Commercial Insurance Adjustors Today

Blue Lion Insurance Advisors, LLC is dedicated to protecting your business, your employees, and those you love. Contact us today to make sure your company remains vibrant no matter what tomorrow brings.