aerial picture of the suburban town of West Windsor

The diverse population of West Windsor, New Jersey occupies only 50 percent of the township. The rest is an open space full of greenery, sports fields, and parks of all kinds, giving West Windsor the honor of being designated a Tree City USA. Businesses of all kinds — retail stores, restaurants, professional practices, healthcare facilities, car dealerships, manufacturers, etc. — flourish throughout West Windsor and all of them need Commercial Insurance to protect them. Fortunately, Blue Lion Insurance Advisors, LLC knows precisely how best to provide it.

Reasons to Choose Our Knowledgeable Insurance Advisors

Blue Lion Insurance Advisors, LLC offers several advantages, including:

  1. A broad spectrum of policies that cover even atypical insurance needs.
  2. Advisors with in-depth knowledge of insurance and various business models.
  3. No affiliation with any insurance company so we always put clients’ needs first. 
  4. Free consultations to discuss Commercial Insurance options. 
  5. Efficient service and dedication to meeting budgetary as well as coverage needs.
  6. Commitment to keeping your company resilient and standing by you when you have to file a claim.

Contact us today at (732) 649-1600 or online for a free consultation. You will soon realize that our reputation for outstanding customer service is well-earned. Our goal is to establish a long-term relationship with you based on trust so we will work hard to find you the most comprehensive coverage at the most reasonable price.

Why Purchasing the Right Commercial Insurance Is Cost-Effective

If the past few years have had a theme, it is that unexpected, even extraordinary, events happen regularly. When it comes to protecting your business, it pays to be proactive because no one can predict when political upheaval, economic instability, accidents, crimes, pandemics, or catastrophic natural events can occur. 

Smart business owners fortify their companies with Commercial Insurance policies that can protect them from the :

  • Natural catastrophes, e.g. hurricanes, floods, nor’easters, fires
  • Costly lawsuits, claiming e.g. premises liability, product liability, employee claims
  • Theft and vandalism

When you work with our experienced insurance advisors, they know just which questions to ask you to evaluate your requirements for Commercial Insurance. Learning the details of your company can enable us to identify your risk level, so we may ask you about the following aspects of your business:

  • 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 workplace

By becoming familiar with your company, we can assess the kinds of Commercial Insurance you need to keep your bottom line protected even if disaster hits.

Commercial Insurance in West Windsor

Whether you own a small business, a large corporation, a retail store, a franchise, or a professional practice, you have a fundamental need for Commercial Insurance to ensure the protection of:

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

Without proper insurance, one terrible storm or fire, or even one slip and fall accident claim, could destroy all you have worked so hard to build.

Business Liability Insurance in West Windsor

Business Liability Insurance is critical because this insurance protects you from:

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

Litigation of any kind is very expensive, involving not only settlements but court costs and attorneys’ fees. The right Business Liability Insurance can save you from possible bankruptcy if your company is sued by covering you not only for huge settlements but also for legal expenses. 

Commercial Flood Insurance in West Windsor

Flooding is the most common natural disaster. Not only that but a sizable percentage of flood claims are filed in low-risk flood zones. With climate change upon us, flooding is becoming more prevalent and even a small amount of water can destroy significant property or precipitate the growth of bacteria or mold. Contact our Flood Insurance advisors now to make sure your business is well-protected before your business suffers irreparable damage.

Employment Practices Liability Insurance (EPLI) in West Windsor

As laws to regulate workplace violations become stronger, it is even more imperative for you to have Employment Practices Liability Insurance (EPLI) for your business. This insurance can protect you from lawsuits claiming:

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

Contact us now to make sure your business has an EPLI policy to keep an employee lawsuit from derailing your company. It is important to remember that no matter how carefully you work to create an equitable and respectful atmosphere at your workplace, one disgruntled employee can threaten your success with a false claim.

Contact Our Experienced Commercial Insurance Advisors Today

In West Windsor and throughout New Jersey, business owners rely on Commercial Insurance to keep their companies as safe as possible. They look to Blue Lion Insurance Advisors, LLC to protect them, their families, their employees, and their bottom line from foreseeable threats. Contact us now to ensure your business’ insurance policy is Blue Lion Strong™.