There is no such thing as a risk-free business. Whether you are a small-business owner with just
or two employees, or own a string of retail outlets employing hundreds of workers, you need
The risks in business come from all angles—both from within your company and from without. Commercial insurance offers coverage for just about every eventuality.
There are some commercial insurance needs that are common to all businesses: property and general liability insurance, workers compensation insurance, group health insurance, for example. Then there are the insurance needs that are specific to particular industries or even to individual businesses.
When considering commercial insurance for your business it’s important that you get the right
coverage. Whatever industry you’re in you’ll likely need the essentials—property liability,
professional liability, general liability, workers compensation, and group health. But beyond
you will need coverage that applies to your particular needs.
For example: if your business owns a vehicle used by one or several employees either on site or on public roads, you’ll need business auto insurance. If you own a retail outlet with large display windows and brand signage, you’ll want sign and glass insurance. If you send out product as cargo, you’ll need ocean cargo or inland marine insurance. If you’re a contractor—working alone or with many employees—builders risk insurance will be a must. Maybe you host events for your customers or subscribers, in which case you should have special events insurance. Many businesses, especially small businesses, today invest in cyber crime insurance—coverage against an unseen assailant who can wreak havoc in an instant.
Then there is equipment breakdown insurance, disability insurance, directors and officers
insurance, employment practices liability insurance… When it comes to commercial insurance there
a vast array of different policy types and levels of coverage…it can be bought piecemeal as
individual policies or bundled together in a commercial insurance package.
Figuring out what type of commercial insurance policy, how much to pay, and what level of coverage you will need, can be quite complex and certainly daunting. Talking to the right commercial insurance agent with a long working history and faultless track record is key.
The Vozza Agency has been operating in New Jersey for more than 65 years. We have more experience
and more regional expertise in commercial insurance packages than just about any agency in the
In your field we know that you’re the best…but when it comes to commercial insurance The Vozza Agency is the best.