General Liability Insurance in New Jersey
Protect Your Business. Prevent Costly Setbacks.
Accidents happen—even to the most careful business owners. At BEW Financial Solutions, we help companies across the North Jersey area secure general liability insurance that protects against injury claims, property damage, and lawsuits—so one incident doesn’t jeopardize everything you’ve built.
What Does General Liability Insurance Cover?
General liability insurance—also known as commercial general liability (CGL)—protects your business if you're held legally responsible for injury, property damage, or reputational harm caused to others.
Common Coverage Areas:
What Does Life Insurance Cover?
Life insurance is more than a payout—it’s a plan that ensures your family’s future stays on track, even if you’re no longer there to lead it. From mortgage protection to legacy planning, the right policy offers financial security and peace of mind.
Types of Life Insurance We Offer:
Term Life Insurance
Affordable, time-limited protection designed to cover your family during key years—like raising children or paying off your home.
Whole Life Insurance
Lifelong coverage that builds cash value over time. A great option for estate planning, final expense coverage, or long-term savings.
Universal Life Insurance
Flexible protection that combines lifelong coverage with adjustable premiums and a savings component.
Final Expense Insurance
A simple, affordable way to ensure funeral costs and other end-of-life expenses are covered—so your family isn’t left with unexpected bills.
Bodily Injury
Covers medical expenses, legal fees, and damages if someone is injured on your business premises or job site.
Property Damage
Pays for repair or replacement if you or your team accidentally damage someone else’s property during business operations.
Personal & Advertising Injury
Protects your business from claims related to libel, slander, or advertising infringement.
Legal Defense & Settlements
Includes attorney fees, court costs, and any settlements or judgments, up to your policy limits.
Who Needs General Liability Insurance?
If you own or operate a business in New Jersey and interact with clients, vendors, or the public—this coverage is critical.
It’s especially important for:
- Contractors and tradespeople
- Retailers and storefronts
- Consultants and professional service providers
- Home-based business owners
- Anyone required to carry liability coverage by a lease or contract
General liability insurance is often a prerequisite for signing commercial leases, bidding on jobs, or landing larger clients.
Why Businesses in North Jersey Trust BEW for General Liability Insurance
Personalized Risk Assessment
We’ll help you assess your exposure and match your policy to the risks that actually apply to your business.
Local Experience You Can Trust
We’ve been helping North Jersey small businesses protect their reputations and finances since 1996.
Independent Access to Top Carriers
We’re not tied to one insurer—which means you get honest advice and competitive pricing from multiple A-rated providers.
Clear Guidance, No Guesswork
We walk you through your policy details so you understand what’s covered—and what isn’t.
What types of claims are covered under general liability insurance?
Coverage includes bodily injury, property damage, and personal injury claims—such as libel or copyright infringement—caused by your business activities.
Is general liability insurance required in New Jersey?
While not legally required for all businesses, it’s essential for protecting your operations—and may be contractually required by landlords, clients, or vendors.
Will general liability insurance cover employee injuries?
No. You’ll need workers’ compensation coverage for employee injuries. General liability protects you against claims from third parties.
What happens if I get sued?
Your policy covers legal defense costs, settlements, and court-awarded damages—up to your coverage limits.
How much general liability coverage do I need?
It depends on your industry, client contracts, and risk exposure. Most small businesses start with $1 million per occurrence and $2 million aggregate.
Let’s Safeguard Your Business the Smart Way
We’ll help you secure general liability insurance that fits your risks—and your budget—so you can focus on growing your business with confidence.