Business Insurance

Coverage for small and midsize businesses in NJ and PA.

Your business insurance needs are just as unique as your business, and navigating the different types of insurance and the different levels of coverage can be challenging.

Accidents happen, and as a business owner, you have to be prepared for every risk and liability that may come your way. We’re here to help you identify and cover your business risks and liabilities.

 

The type of coverage you should purchase and the amount of risk your policies should insure are determined by several factors: the size of your company, the number of people you employ, the type of business you’re in, and the value of your property and assets.

 

To fully cover all your financial risks, you may need to purchase several individual policies from different insurers. As an independent agency, we work with a variety of insurance carriers and can put together an insurance program tailored to your needs.

Commercial Insurance Quote

Don’t go it alone — partner with the professionals at Garden State Central to ensure you get the right insurance coverage at the lowest cost. Get started on your commercial insurance quote today.

Business Insurance Coverages

General liability insurance

General Liability Insurance is typically the first policy that business owners purchase, because it is often needed in order to sign client contracts and commercial leases. It is designed to protect you and your business from many of the risks involved in running a business. These include claims for bodily injury and property damage on your premises, injury or damage from faulty products, and negligent actions from contractors you hire.

Workers’ compensation insurance

When an employee is injured at work, workers’ compensation covers medical bills, ongoing care, recovery costs, and partial missed wages. In the unfortunate event of a death, workers’ compensation covers funeral costs and benefits for the worker’s family. Workers' compensation is required by law in most states, including NJ and PA.

Commercial auto insurance

Commercial auto insurance provides financial protection from the risks and liabilities of owning and operating business vehicles. Those vehicles can range from box trucks making deliveries to food trucks operating roadside or a sedan used to run business errands. Basically, if a vehicle is owned by or used for your business, you should maintain commercial auto insurance for it.

Business owners insurance (BOP)

A business owners policy (BOP) combines the property and liability protections most small businesses need into one convenient package, and the price is less than what you’d pay for the coverages separately. It is usually sold at a premium that is less than the total cost of the individual coverages.

Commercial umbrella insurance

An umbrella liability policy provides coverage over and above a business’s other liability coverages. It is designed to protect against unusually high losses. It provides protection when the policy limits of one of the underlying policies have been used up. For a typical business, the umbrella policy would provide protection beyond the general liability and auto liability policies.

Commercial property insurance

Property insurance compensates a business if the property used in the business is lost or damaged as the result of various types of common perils, such as fire or theft. Property insurance covers not just a building or structure but also what insurers refer to as personal property, meaning office furnishings, inventory, raw materials, machinery, computers and other items vital to operations.

Employment practice liability insurance (EPLI)

Unfortunately, employee lawsuits have exploded over the last few years, with defense costs amounting to as much as $300,000 per case. Employment practices liability insurance (EPLI) was created to protect your business from these legal expenses, subject to the limits (maximum reimbursement) stated in your policy.

Cyber liability insurance

Cyber liability insurance protects against electronic theft, loss of data, disruption of your networks, loss of income due to suspension of your operations and damage to your reputation. Most cyber policies also cover customer notification of a data breach, anti-fraud protection and credit monitoring for customers, security incident investigations, cyber extortion and ransomware costs.

Builders risk insurance

Builders Risk Insurance protects the insurable interest that midsized and large construction companies have in materials, fixtures and/or equipment during the construction or renovation of a building or structure. It is a vital coverage solution for any construction project.

Errors and omissions (E&O) liability insurance

Just as the name suggests, Errors and Omissions (E&O) Insurance covers your general contractor business against any mistakes (errors) or oversights (omissions). If your business is being accused of mistakes, negligence and/or failure to deliver services, E&O Insurance covers your lawyer fees, court costs and settlement fees in the event of an E&O lawsuit.

Ed is a great guy and very easy to work with.
Robert LawrenceRobert Lawrence
22:33 23 Mar 24
I appreciate the time and effort Hector took to find me policies for all 3 of my vehicles. He was pleasant to talk to and very informative on products and services. He also showed general concern for my particular insurance needs.
Carlos BarreraCarlos Barrera
22:58 10 Dec 23
Good service, I recommend it 100%. Edmar will take care of you.
Alexandria PearsonAlexandria Pearson
20:55 09 Dec 23
Customer service representative was very nice he wasn't able to help me with a policy but was nice to refer me to place that would be able to help me. With that information I was able to get help.
Oscar MurilloOscar Murillo
23:51 06 Dec 23
Very good service 100% recommended
Felisa MillerFelisa Miller
19:14 29 Nov 23
After years of overpaying for insurance, I was finally referred to Edmar to help lower my home/car insurance. He searched through several different policies to find the one that best fit my specific needs at a price lower than what I've ever paid before. What's even better is how easy he made the process. I just told him what I needed and he took care of the rest! I will be calling back for all my future residential and commercial insurance needs.
Ruth EdetRuth Edet
17:46 17 Nov 23
I had a great experience working with Hector. He was knowledgeable and courteous, and what great with communicating with me by email about several insurance quotes before I decided on one. A great, local company to support.
Abel DuranAbel Duran
20:23 20 Sep 23
Very helpful person, 100%
Antonio NegronAntonio Negron
20:03 15 Sep 23
Hector is a class act, worked diligently to find me a homeowners policy that was suitable for my needs. Excellent communication and a credit to this company
Robin LoveRobin Love
00:30 17 Jun 23
Garden State Central insurance Services made switching my auto insurance policy from my old car to a new one as easy as one very pleasant call to their office. I had just finalized my deal with the car dealership - and needed to provide them temporary proof of insurance in order to drive my new wheels home. GSCIS answered my unscheduled call immediately - and processed my request for the transfer of my existing policy right then and there. 5 minutes later they faxed the temporary proof of insurance to the dealership and I was good to go. After, I received prompt follow up emails from GSCIS and the insurer. Everything was done for me - all I had to do was download and print the final insurance card. I even saved a few dollars on my annual insurance bill, which GSCIS advised me was due to the superior safety features of the new vehicle. I am super pleased with their courteous and knowledgable service. Highly recommend them!
Paige DeLuquePaige DeLuque
02:16 29 Apr 23
They helped me through my unique situation and were very helpful. Would recommend!!
Sabrina GuevaraSabrina Guevara
22:17 02 Feb 23
Amazing service helped me right away and guided me the whole way through!
Hec ManHec Man
19:37 27 Jan 23
I was shopping around for a lower Auto insurance policy, and Edmar produced a quote for me with higher coverage limits while saving me hundreds of dollars.
Lawrence MadamaLawrence Madama
19:58 27 Sep 21
When in need of auto insurance, Edmar provided friendly, prompt, efficient service. Overall, I found Garden State Central Insurance Services to be a first class, professional, organization. Highly recommended.
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