Business insurance is a necessary part of doing business in today’s business world. Getting the right insurance coverage protects not only the assets and property of the business, but also your personal assets as well. Finding the right kind of coverage for your business insurance needs can be a bit of a challenge.
Johl & Company is here to help you get the coverage you need for your business without rushing to sell you a ton of coverage you do not need. These are some of the policies your business may need.
Business Auto Insurance
Whether your business owns and operates vehicles on its behalf or not you may still need some type of business auto insurance coverage. Commercial auto insurance coverage may include: liability, comprehensive, collision, medical payments, personal injury protection, and more. We’ll help you sort out the details so you can have the protection your business needs.
Professional Liability Insurance
This type of insurance covers liabilities resulting from mistakes you or covered employees make while carrying out daily responsibilities. It will help with legal fees and judgments, up to the policy limit. This type of coverage goes by many other names, including errors and omissions, or E&O insurance.
Errors and Omissions Insurance
Professionals and service industry employees often need the protection this liability coverage provides. It helps if they make mistakes or forget important details while carrying out their duties and face litigation as a consequence of these mistakes. Errors and omissions coverage is often used interchangeably with professional liability insurance (PLI).
Directors and Officers Liability Insurance
The directors and officers in your organization are often attractive targets for lawsuits. They must sometimes make unpopular decisions in the course of their duties and are often sued for making these choices. Directors and officers liability insurance protect directors and officers within the business from the high price of lawsuits related to carrying out their roles for the sake of the business without risking their personal financial assets to do so.
Workers’ Compensation Insurance
Workers Compensation coverage is required by law throughout New Jersey for almost every business that has employees. It’s also a wise investment for businesses to make in order to reduce their risks of being sued by employees who are injured, killed, or become ill due to carrying out their jobs for the company.
Business Owners Policy Insurance
A business owners policy is a suite of insurance products designed to offer basic insurance protections all businesses need. For the most part, it includes coverage for the physical property of the business, business equipment and signage, general liability coverage, and business interruption coverage for the time the business is unable to operate during repairs.
Bonds are necessary for many business transactions. They are especially benefit for construction related businesses though they can be used in any field. Johl & Company can help you understand your needs for bonds while arranging for suitable bonds to meet those needs.
Group Health Insurance
Group health policies offer businesses many potential benefits – as well as their employees. There are many different options available at different price points so that businesses of all kinds can afford to offer health benefits to their employees. We’ll help you sort through the options to find a suitable policy for your needs.
Why Trust Johl & Company with Your Insurance Needs?
Johl & Company has served the personal and commercial insurance needs of New Jersey residents since 1963. During that time we’ve worked hard to develop a relationship for providing prompt and personal service to our clients. This has netted us rave reviews regarding customer service over time.
More importantly, though, we’re an independent insurance agency. This means we have access to a wider range of products and options than most single provider agencies in the area.