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New Jersey Business Insurance


Please contact us if we can assist you with your business insurance needs.

Robert Lloyd Coutts & Sons shops the major insurance carriers to find the best New Jersey business insurance rates for you.


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Business Property

Business Property insurance protects business assets from loss by physical damage. Coverage can be expanded into package policies that can include machinery and equipment breakdown, inventory, specialty items, loss of income, automobiles, liability and more.


General Liability 

General Liability insurance provides financial protection for your business from bodily injury and property damage claims resulting from your business operations.


Workers Compensation & Employers Liability

Workers compensation is a mandatory coverage for all businesses in New Jersey with 1 or more employees. 


Business Auto

Business Auto insurance provides financial protection for your business from bodily injury and property damage claims resulting from your business auto fleet.  It also provides physical damage coverage for the vehicle.


Business Umbrella 

Business Umbrella Insurance provides additional liability coverage above your primary business policies in the event of a catastrophic event.


Professional Liability 

Professional Liability protects against loss from a claim of alleged negligent acts and errors or omissions in the performance of professional services.


Directors & Officers Liability 

Protection for directors and officers against negligent acts or omissions and for misleading statements that result in suits against the company, often by shareholders.


Employment Practices Liability 

Employement Practices Liability  Insurance (EPLI) protects corporations, directors, officers and employees from employment-related claims. The policy will reimburse expenses incurred by court costs as well as any settlements or judgements.


Internet/Cyber Liability

Protecting your business from damages from the use of mobile technology and computer related transactions.


Builders Risk

Protect your residential or commericial building under construction, renovation or remodeling, including installation.



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