A sunset picture of Tuckerton, NJ

Tuckerton, New Jersey is a seaport township with a charming maritime museum and a historic working village. It is also home to many successful businesses, each of which needs Business Insurance. Fortunately for business owners in Tuckerton and throughout New Jersey, Blue Lion Insurance Advisors, LLC is well-prepared to meet their Commercial Insurance needs. 

How Blue Lion Insurance Advisors, LLC Gives Tuckerton Businesses an Edge

With more than a decade of experience, our team has a comprehensive understanding of the ins and outs of Business Insurance. Because our company is not affiliated with any particular insurance provider, we are able to make your best interests our top priority and be objective about which policies can serve you best. Contact us now at (732) 649-1600 or online for a free consultation. 

A Wide Range of Commercial Insurance to Meet Your Company’s Specific Needs

Because we are brokers who handle Business Insurance from many different providers, we are able to zero in on the areas in which you need the most protection, depending on factors like:

  • Business location (in terms of flooding, property values, and crime)
  • The nature of your business and its risk factors
  • The size of your staff 
  • Whether your business owns vehicles and/or equipment
  • Whether you own, rent, or lease your workplace property
  • Whether you maintain inventory 

We base our recommendations on your unique circumstances and your budget. Whether you run a mom-and-pop store, a large retail establishment, a professional practice, a franchise, or a company that does construction, we are available to meet your business’s insurance needs.

We Offer A Variety of Commercial Insurance Policies:

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

We will listen carefully as you provide details about your workplace, employee tasks, and all other related matters so that we can tailor an insurance portfolio to fit your company profile.

Common Types of Commercial Insurance Used by Tuckerton Businesses

Your company may need one or more of the following types of business insurance:

Business Property Insurance

Business Property Insurance is often the first type of insurance our clients think of, especially if there has been a recent hurricane that hit New Jersey or front-page news about a major theft in our state. 

Business Property Insurance can provide the resources if your business suffers major property damage due to fire, hurricanes, blizzards, theft, or vandalism, though you may require separate riders for floods or earthquakes. Business Property Insurance can cover damage to:

  • Property and landscape structures
  • Inventory stored on your property
  • Personal property at your workplace
  • Tools and equipment used by your business
  • Furniture in your offices/break rooms/conference rooms, etc.
  • Computers, printers, fax machines
  • Business documents

As too many Tuckerton business owners know after the devastation left by Hurricane Sandy, it is also important to have Flood Insurance since Business Property Insurance does not provide this type of coverage. 

General Liability Insurance

General Liability Insurance can, if necessary, provide you with resources to cover medical costs, property damage, reputational repair, attorney fees, and court costs if your business or one of your employees is found to have: 

  • Damaged another party’s property
  • Damaged the workspace you rent
  • Caused an individual bodily harm
  • Damaged the reputation of a customer/client/competitor
  • Run misleading ads, infringed on a copyright, committed libel or slander

Employment Practices Liability Insurance (EPLI)

With all the federal and state laws in effect to protect employees’ civil rights, business owners must be prepared to weather employee claims of discrimination. This is true even if the business owners have always acted in good faith as equal-opportunity employers. Don’t bet against yourself that everyone will be as fair-minded as you are. 

You need the backup of EPLI Insurance to help you recoup your losses if the court goes against you in a case of employment discrimination based on age, race, religion, ethnicity, disability, gender, sexual orientation, gender identity, or some other protected class. 

In addition to helping you cope with false discrimination lawsuits, EPLI can also protect you against other claims of employee mistreatment, such as denial of overtime pay or sexual harassment.

Cyber Security Liability Insurance

For most businesses, Cyber Security Liability Insurance is indispensable since most businesses now use computers for any number of business operations, including purchases, sales, inventory, accounting, and employment records. Cyber attacks such as malware, viruses, and data breaches, are an ever-increasing threat to your bottom line. 

Cyber Security Liability Insurance can help your business financially recover after a data breach, virus, or another cyber attack. It can also financially protect your business if a member of your staff makes a computer error that causes another party harm. Contact our trained insurance advisors to find out how.

Professional Liability Insurance

Business owners whose business is a professional practice have their own brand of insurance worries since, as professionals, they owe a legal duty of care to their customers, students, clients, or patients. Mistakes that are proven to be evidence of negligence (i.e. not adhering to the normal standards of care) can do great financial and reputational harm to the practices of: 

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

Professional Liability Insurance can cover you for losses due to claims of negligence or malpractice. 

Franchisor and Franchisee Liability Insurance

Even though franchise operations have the advantage of following a successful business model, owners may still be confronted with a civil lawsuit that interferes with their earnings by claiming that:

  • Customers were injured on franchise property
  • Customers were harmed by damaged, defective, or contaminated products
  • The franchise caused clients, customers, or competitors reputational harm 

Contact Our Experienced Commercial Insurance Advisors Today

You owe it to yourself, your family, your employees, your customers, and your clients to keep your business on an even keel. Be proactive. Prepare for financial resilience by contacting Blue Lion Insurance Advisors now so we can provide you with a Commercial Insurance Policy that is Blue Lion Strong™.