When an unexpected accident takes place at your New Jersey facility or office, or a lawsuit is filed against your business that is related to a product or service, the general liability insurance you have in place should cover your losses, including the legal costs involved in defending against it. A general business insurance policy should cover you against injury lawsuits, false or misleading advertising lawsuits, accusations of slander, and copyright infringement, as well as property damage to your place of business, if you are tenant rather than the owner of the property.
Do you have the right level of protection?
The level of coverage you have in place will determine whether you are actually fully protected against financial losses. Many business owners have a policy in which property insurance and liability insurance are bundled into one contract, called a “BOP” or Business Owners Policy. The actual coverage for liability in these policies is often less than what is needed, should the unexpected occur. As with any insurance policy, you will be forced to pay the shortfall once you reach the limits of your coverage. If you have concerns about your actual protection against risk, our local commercial insurance agent at Frank G. Milo Agency in East Brunswick, New Jersey can review your policy, your facility, and your level of risk, based upon your industry.
Business Insurance in East Brunswick, NJ
Creating a custom insurance policy might be the right choice. This policy could be created based upon your level of risk, with a focus on affordability. You need the coverage, but the price must be reasonable. At Frank G. Milo Agency, our entire team lives and works in New Jersey, and as a local agency in East Brunswick, we will make it easy for you to get the service and assistance you need in this important matter.
We can review your existing policies, and offer simple suggestions on risk protection that are based upon a real-world understanding of your operation, your facility and the level of risk that could exist. We can come to you and meet with you at a convenient time, including after hours, so your workday is not disrupted. There are a range of strategies that may work for you, and as we are business owners ourselves, we know the importance of the bottom line. We will go the distance for you in finding the policy that will best protect you and your business, at the lowest cost.
Our entire local team is based in East Brunswick, and is service-oriented, friendly, and helpful. Connect with us at Frank G. Milo Agency if you need a commercial insurance policy, or if it is time to review your existing coverage. We serve business owners from small to large throughout the city of East Brunswick and the rest of New Jersey.