Business Insurance
With business insurance, there is not a one-size-fits-all policy. Depending on the nature of your business, Robert Lloyd Coutts & Sons
will work with you to determine what policy best fits your business. Whether you are incorporated, a limited liability company, or a proprietorship, each business is different and may demand specific coverage.
In-Home Businessowners Beware
If you operate a business from your home, you have increased exposure to liability. We have solutions to protect you against this risk.
Business Property
Business Property insurance protects business assets from loss by physical damage. Coverage can expand into package policies that can include machinery and equipment breakdown, inventory, specialty items, loss of income, automobiles, liability, and more.
General Liability
General Liability insurance provides financial protection for your business from bodily injury and property damage claims resulting from your business operations.
Workers Compensation & Employers Liability
In New Jersey, if you have one or more employees, workers' compensation is mandatory coverage for all businesses.
Business Auto
Business Auto insurance provides financial protection for your business from bodily injury and property damage claims resulting from your business auto fleet. It also provides physical damage coverage for the vehicle.
Business Umbrella
Business Umbrella Insurance provides additional liability coverage above your primary business policies in the event of a catastrophic event.
Professional Liability
Professional Liability protects against loss from a claim of alleged negligent acts and errors or omissions in the performance of professional services.
Businessowner's Policy
A package policy providing important coverages unique to your business including:
- Buildings
- Business Personal Property
- Loss of Income
- Employee Theft
- Crime
- Cyber Liability
- General Liability
- Employment Practices Liability
- Non-owned Auto Liability
- And More...
Employment Practices Liability
Employement Practices Liability Insurance (EPLI) protects corporations, directors, officers and employees from employment-related claims. The policy will reimburse expenses incurred by court costs as well as any settlements or judgements.
Cyber Liability & Data Breach
Protecting your business from damages from the use of mobile technology and computer related transactions.
Builders Risk
Protect your residential or commercial building under construction, renovation or remodeling, including installation.
Contractor's Policy
A package policy providing important coverages unique to artisan and general contractors including:
- Building
- Business Personal Property
- Loss of Income
- Installation Floaters
- Builders Risk
- General Liability
- Non-driver Auto Liability
- Crime
- Employee Theft
Directors & Officers Liability
Protection for directors and officers against negligent acts or omissions and for misleading statements that result in suits against the company, often by shareholders.
