General Liability Insurance New Jersey

General Liability Insurance in New Jersey

Premium Products – Premium Service – Premium Difference

Learn more about the General Liability Insurance policies available in New Jersey. One of agents can help you find the policy that's right for you.

Get a General Liability Insurance quote from our New Jersey experts


Connor-McClure Insurance Services, LLC

What is general liability insurance?

General liability insurance is a type of business insurance that protects businesses from claims related to bodily injury, property damage, and personal injury. It is essential for nearly every type of business, regardless of size or industry. This insurance provides coverage for legal fees, settlements, and medical expenses that may arise from accidents or incidents occurring on your business premises or due to your operations.

General Liability Insurance New Jersey

What does general liability insurance typically cover?

General liability insurance typically includes several key components:

  1. Bodily injury: This coverage protects against claims of bodily injury to third parties occurring on your business premises or as a result of your business operations. 
  2. Property damage: If your business inadvertently damages someone else’s property, general liability insurance will cover the costs of repair or replacement. This includes damage caused by your employees while performing work for clients.
  3. Personal injury: This coverage includes claims of defamation, slander, or invasion of privacy. If someone claims that your business has harmed their reputation, general liability insurance may help cover legal expenses.
  4. Advertising injury: This protects against claims arising from advertising activities, such as copyright infringement or false advertising.
  5. Medical payments: This coverage pays for medical expenses if someone is injured on your premises, regardless of fault. It may help cover immediate medical costs and prevent lawsuits.

Get a Quote

Provide us with your details, and we'll create a personalized quote designed specifically for your General Liability Insurance needs.


General Liability Insurance New Jersey

Does general liability cover product-related damages and injuries?

Yes, general liability insurance can cover product-related damages and injuries, but it typically depends on the specifics of the policy and the nature of the claims. If a product manufactured or sold by a business causes bodily injury or property damage to a third party, general liability insurance may provide coverage for claims arising from that incident. This includes situations where a customer is injured by using the product or if the product damages someone else’s property.

However, it’s important to note that product liability claims can also fall under a specialized type of insurance known as product liability insurance. While some general liability policies include product liability coverage, others may require an endorsement or separate policy to ensure comprehensive protection against product-related risks.

  • General liability insurance may provide coverage for subcontractors or third-party contractors under certain conditions. If a subcontractor is working on your behalf and causes injury or damage while performing their duties, your general liability insurance may cover the resulting claims. However, it’s important to note that this coverage may depend on the specific terms of your policy. Some insurers may require that subcontractors carry their own insurance, or there may be limitations on the coverage provided. Always consult your insurance agent to clarify how your policy applies to subcontractors and third-party contractors.

  • Yes, home-based businesses should consider obtaining general liability insurance coverage. While you may believe that your home insurance policy covers your business activities, most standard home insurance policies exclude business-related claims. General liability insurance provides essential protection for home-based businesses against various risks, such as bodily injury or property damage claims arising from your business operations. For example, if a client visits your home office and is injured, general liability insurance may help cover medical expenses and legal fees.

  • The cost of general liability insurance in New Jersey varies based on several factors, including:

    • Business Type: Certain industries, such as construction or healthcare, may face higher premiums due to increased risks associated with their operations.
    • Coverage Limits: The higher the coverage limits chosen, the more expensive the policy will be. Businesses can typically select from various limits to tailor their coverage to their needs.
    • Business Size: Larger businesses with more employees and greater revenue may have higher premiums, reflecting their increased exposure to potential claims.
    • Claims History: A history of prior claims can lead to increased premiums, as insurers may view the business as a higher risk.
    • Location: The geographic area where the business operates can also impact costs, as some regions may have higher rates of lawsuits or claims.
    • Deductibles: Policies with higher deductibles often have lower premiums, as businesses agree to pay more out-of-pocket before coverage kicks in.

How can businesses obtain general liability insurance in New Jersey?

Reach out to the independent agents at Connor-McClure Insurance Services for a fast quote on general liability insurance. Our experienced team is dedicated to helping you understand your coverage options and tailor a policy that meets your specific business needs. With our expertise, you may protect your business from unforeseen risks and liabilities, ensuring peace of mind as you focus on growth and success.

Get a Quote

Share your details with us, and our team of friendly agents will be in touch with you soon!