Small Business Insurance in PA and NJ: BOP vs. Package Policies, General Liability, and When to Add an Umbrella
Learn the difference between BOP and package policies, what coverages small businesses in PA and NJ need, and when to add an umbrella.
Learn the difference between BOP and package policies, what coverages small businesses in PA and NJ need, and when to add an umbrella.
If you own a trade business in Pennsylvania or New Jersey, contractor insurance is one of the most important decisions you will make. Every job site brings real risk: tools break, accidents happen, workers get hurt,…
Do not assume your general liability policy protects your professional advice. One negligence claim can generate six-figure defense costs before anyone determines fault. Those expenses alone can disrupt cash flow and damage your reputation.
General liability insurance for small businesses is not optional protection. It is the financial foundation that keeps your doors open when the unexpected strikes.
If your existing agent isn’t capable of fully insuring you for PL/GL, Workers Comp, Auto, EPLI, Cyber, etc. then you may be working with the wrong insurance agent.
So, what's the difference between the two? General liability insurance protects businesses from claims of damages due to the business' operations. This can include things like damage to property, personal injury, or even advertising injuries. This…