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Competitive pricing.
Expertise and flexibility to select coverage for your specific needs.
Financial strength and stability a trusted insurance leader for nearly 100 years.
General Liability
Bodily injury to others
Personal and advertising injuries
Damage to the property of others
Your products or completed operations
Damage to the premises you rent or occupy
Additional insureds
e-Business activities
Medical payments
With umbrella, you get:
Comprehensive worldwide coverage
High limits up to $25 million
NJ Restaurant/Tavern/Bar Insurance
The potential hazards of running a restaurant include:
Employee theft
Slip and fall accidents caused by slick floors
Kitchen fires
Personal injuries
Improperly stored or prepared food
Employee harassment, sexual or otherwise
Workers compensation
Reimbursement for your reasonable expenses, including loss of hearning,
incurred on our behalf in connection with a claim, proceeding or suit we
defend.
Employers liability stop gap for all states where workers
compensation
is provided by a monopolistic state fund.
Voluntary compensation for your employees who are not
covered by
state statute.
Additional states where you operate or you have newly set up
operations.
Extended option includes:
Increased limits for employers liability
NJ business insurance.
Waiver of our right to recover from other parties liable for an
injury to
your workers in those instances where you have
signed an agreement
with the other party requiring such a
waiver.
Foreign voluntary compensation to protect your employees
who travel
overseas.
USL&H to cover your obligation to provide these federal
benefits if an
employee should unexpectedly be found subject
to the act.
Critically Important Additional Coverage:
(how and what we may do)
Directors and Officers, and Entity Liability (D&O)
Employment Practices Liability (EPL)
Fiduciary Liability
Miscellaneous Errors and Omissions (E&O)
Crime
Kidnap, Ransom and Extortion (not available for public companies)
Newly merged or acquired subsidiary coverage
Worldwide coverage
Controlled joint ventures coverage business insurance nj
Coverage for punitive and exemplary damages
No mandatory arbitration provision
D&O Coverage
Optional entity coverage
Extended definition of claim
Generous carve-outs to the insured vs. insured exclusion
Final adjudication standard preserved in the fraud exclusion
Private placements of securities coverage with no reporting
Waiver of the deductible for any claim that is finally resolved with no
liability to the insured
Crime Coverage
Employee theft
Premises and transit
Forgery
Computer fraud
Money order and counterfeit currency
EPL Coverage
(Employment Practices Liability)
Employment Practices Wrongful Act includes:
Wrongful dismissal, discharge or termination
Failure or refusal to hire or promote
Sexual or other workplace harassment
Employment discrimination nj business insurance nj
Invasion of privacy
Employment-related defamation
Retaliation
Fiduciary Coverage
Extended definition of claim
ERISA section 502 (i) and 502 (l) penalties coverage
Waiver of the deductible for any claim that is finally resolved with no
liability to the insureds
Definition of Insured Plan includes:
Government-mandated programs (except workers compensation)
Welfare and pension benefit plans sponsored by the company
Non-ERISA plans sponsored by the company
Extended definition of claim
Professional services defined in schedule
Kidnap, Ransom and Extortion Coverage
Crisis management is provided by Control Risks Group, an industry leader
in crisis response and prevention.
Coverage is provided in the event of a kidnapping or extortion threat, and
expenses are covered in the event of a hijacking or detention.
Persons covered can include employees, their relatives and guests.
Covered expenses include security consultants, public relations advisors,
communication equipment, travel and accommodations, and more of NJ business
insurance NJ.
To Learn More
For more information about our management liability protection and to obtain
a quote
and information:
Matthew Kaszynski Bergen County NJ
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