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Business Insurance

BUSINESS INSURANCE

Get your business the protection it needs to win your industry.

Many small business owners we talk to admit the main thing they need is the time required to successfully run their business. They don’t want to spend valuable time wondering about business insurance. Rather, they want to work with an experienced partner like Larenco Agency who offers sound advice that will ultimately help them manage the risks inherent to their business.

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Most Popular Business Insurance Policies

Property Insurance

We will get to know your operation so we fully understand your property insurance needs, including any buildings, office furniture, machinery or other equipment you own.

General Liability

We consider general liability to be the cornerstone of a business insurance package. It protects you from a host of risk exposures, including injuries and property damage at your place of business or other locations.

Workers Compensation Insurance

Required for most New Jersey employers, workers comp protects both employers and employees in the event of a work-related illness or injury. We can help you manage costs by studying your payroll to ensure it is classified correctly and recommend risk management procedures that may reduce your business liability exposure.

Commercial Fleet

We can help you determine if you need to protect company cars, trucks or other vehicles, or if your business needs a policy that insures employees who drive their own vehicles. Just as with personal auto insurance, commercial vehicle insurance is vital for protecting drivers, passengers and your vehicles.

Cargo

You may have heard the terms ‘inland marine’ and ‘equipment floater’ and wondered how they relate to the tools and equipment that is transported from one location to another. They are used to describe coverage for a variety of cargo, including laptop computers and electronic equipment that may be an essential component to your business.

Employment Practices Liability

The last thing business owners want to encounter is claims of unfair employment practices or a lawsuit by disgruntled employees. Protect yourself against employment practices liability claims such as negligence, discrimination, harassment, benefits mismanagement, breach of contract and more.

Errors and Omissions

This professional liability insurance protection is virtually essential for professionals in an advising capacity, such as investment representatives, general contractors and architects. Errors and omissions, or E&O insurance, protects you if a mistake or oversight by you results in financial losses by a customer or client.

Umbrella Liability

This coverage protects over and above the liability limits your other business insurance may provide. For example, restaurant or retailer store owners may want to protect their business from a serious lawsuit. If a customer is injured on the premises, the liability limits may be exhausted. At that point the umbrella policy would kick in.

Business Interruption Insurance

Few business owners contemplate the possibility that anything could suspend their operation. As your insurance partner, we can help you find cost-effective protection so you are prepared for the unexpected.

Workers Compensation

Workers’ compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job.

Employers pay for this insurance, and shall not require the employee to contribute to the cost of compensation. Weekly cash benefits and medical care are paid by the employer’s insurance carrier, as directed by the Workers’ Compensation Board. The Workers’ Compensation Board is a state agency that processes the claims. If Board intervention is necessary, it will determine whether that insurer will reimburse for cash benefits and/or medical care, and the amounts payable.