out of 5 customer review rating and 200,000+ policies sold.

Get Business Insurance in New Jersey

biBerk is trusted by many companies for small business insurance in New Jersey. We offer flexible policies to protect you from the many types of risk New Jersey businesses face. Learn about business insurance in NJ.

New Jersey Workers' Compensation Insurance

Most businesses need workers' compensation insurance in NJ. This type of coverage helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored New Jersey small business workers’ comp insurance plans.

Workers' Compensationchevron_right

New Jersey General Liability Insurance

Also known as commercial liability insurance, a general liability policy is a vital type of small business insurance in New Jersey. It covers damages and legal costs associated with injury claims by customers and other people you don't employ (like from slip-and-fall accidents at your location), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liabilitychevron_right

New Jersey Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. If your building is damaged by a severe storm, for instance, your BOP may cover the costs. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policychevron_right

New Jersey Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an engineer, for example, and a mistake in a diagram you create for a client costs them money and they sue, you may be covered. Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

Professional Liabilitychevron_right

New Jersey Cyber Insurance

This type of New Jersey small business insurance can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurancechevron_right

New Jersey Umbrella Insurance

Every New Jersey business liability insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBerk liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurancechevron_right

We Cover all Kinds of Professionals and Businesses in New Jersey, Including:

  • Auditors and accountants
  • Auto garages
  • Auto repair shops
  • Building electrician services
  • Building owner operations
  • Bus charters
  • Cabinet and trim installers
  • Carpentry services
  • Ceiling and wall covering companies
  • Clothing stores
  • Contractor building operations
  • Dentists
  • Detective agencies and patrol agencies
  • Electrical household appliance repair
  • Fitness centers
  • Glaziers
  • Home health care services
  • Interior contractors
  • Interior decorating services
  • Interior marble and stone installers
  • Iron/steel frame erection services
  • Landscaping and gardening services
  • Masonry services
  • Metal fence installation
  • Millwright operations
  • Office clerical services
  • Office machine installation/repair services
  • Park operations
  • Plumbing services
  • Residential door installers
  • Restaurants
  • Retail stores
  • Sales and collection services
  • School bus operations
  • Sidewalk and driveway installers
  • Trucking companies
  • Welders
  • Wholesalers

Why biBerk for Business Insurance in New Jersey?

We’re the experts when it comes to business insurance in NJ.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBerk Better for Small Business Insurance in New Jersey?

When it comes to business insurance in New Jersey, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

New Jersey Small Business Insurance Wherever You Are!

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Trenton, NJ
  • Business insurance in Newark, NJ
  • Business insurance in Newton, NJ
  • Business insurance in Toms River, NJ
  • Or anywhere in New Jersey!

What do biBerk Customers Say?

What Coverage is Required for New Jersey Small Businesses?

Workers' Compensation

In New Jersey, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. This applies to out-of-state employers doing business in New Jersey, as well. You can receive substantial fines starting at $5,000 if you’re caught doing business with employees in New Jersey without a workers’ comp policy.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk, including a property and liability policy if you’re located in an area that faces possible hurricane damage. Financially protecting your company is one of the smartest business decisions you can make.

What's the Cost for Small Business Insurance in New Jersey?

The cost of business insurance in New Jersey depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

Determine your cost for small business insurance in New Jersey with instant online quotes.

New Jersey carpenter writing measurements

Frequently Asked Questions About NJ Small Business Insurance

  • What types of insurance are required for small businesses in New Jersey?


    Businesses in New Jersey with one or more employees are typically required to have workers' compensation insurance. Additionally, specific insurance requirements may vary based on the nature of the business and state regulations.

  • How much does commercial insurance in New Jersey cost?


    The cost of small business insurance in New Jersey varies depending on factors such as the size of the business, the industry, coverage needs, and more. However, you can typically get hundreds of thousands of dollars in coverage for just hundreds annually.

  • Are there any penalties for not having the required insurance coverage for my small business in New Jersey?


    Yes, failing to have the required insurance coverage for your small business in New Jersey, such as workers' compensation insurance, can result in penalties, fines, or legal consequences. It's crucial to ensure compliance with state insurance requirements to avoid potential penalties.

  • How do I know if my small business needs workers' compensation insurance in New Jersey?


    If your business has employees, including full-time, part-time, or seasonal workers, you typically need workers' compensation insurance in New Jersey. This coverage helps protect employees who suffer work-related injuries or illnesses.

  • Can I add additional coverage options to my small business insurance policy in New Jersey?


    Yes, you can typically add additional coverage options or endorsements to your small business insurance policy in New Jersey to enhance your protection. Common additional coverages include cyber liability insurance, equipment breakdown coverage, and more.

  • Can I customize my small business insurance policy to fit my budget and needs in New Jersey?


    Yes, we offer customizable insurance policies that allow businesses to tailor coverage to their specific needs and budget. You can work with us to select the appropriate coverage options and endorsements for your business.

NJ Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certficate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBerk for commercial insurance in NJ and save up to 20%.