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all you need to know about Business Owners Insurance in one place

Choosing the right commercial insurance for your business requires time and effort that many business owners cannot spare. Experienced PJ Insurance Agency insurance specialists customize insurance options to precisely fit your business needs while sourcing the best rates from a network of carriers.

For financial protection and peace of mind, PJ Insurance Agency offers a variety of commercial coverage options that include:

Employee Insurance

Sorting through a multitude of insurance options to find the best group benefits package for your business can be a challenge for any employer. Offering a wide range of insurance products at affordable rates, PJ Insurance Agency provides straightforward guidance and sensible group plans that are tailored to suit today’s business owner’s requirements.

Employment Practices Liability Insurance

EPLI is insurance that gives companies coverage against employment-related lawsuits such as claims of harassment, wrongful termination, breach of contract, discrimination or other work-related issues.

Errors And Omissions

Errors and Omissions insurance, commonly known as E&O insurance, is a form of professional liability insurance designed to protect employees and employers against clients’ claims of negligence or inadequate work.

Commercial Auto & Trucking

overs bodily injury and property damage liability as well as personal injury, medical costs and lost wages in the event of a vehicular accident. Discuss the options that are right for your business with an experienced PJ Insurance Agency specialist.

Commercial property insurance

covers your business and personal property against the risk of damage from fire, natural disaster, vandalism and theft. PJ Insurance Agency offers tailored policies with expanded coverage that often reimburse on a replacement cost basis in the event of loss.

Commercial Auto & Trucking

covers bodily injury and property damage liability as well as personal injury, medical costs and lost wages in the event of a vehicular accident. Discuss the options that are right for your business with an experienced PJ Insurance Agency specialist.

General liability insurance

is essential, whether you are a small business owner, contractor, landlord or service professional. PJ Insurance Agency designs your insurance packages according to your business requirements and helps you identify key factors to reduce risk.

Commercial Auto & Trucking

overs bodily injury and property damage liability as well as personal injury, medical costs and lost wages in the event of a vehicular accident. Discuss the options that are right for your business with an experienced PJ Insurance Agency specialist.

Commercial umbrella insurance

adds an extra layer of commercial liability protection for your business. If your business has numerable assets, consider the extra coverage that goes beyond general liability insurance to ensure extended protection in the event of major claim or lawsuit.

Professional liability insurance

is important for manufacturers and service oriented businesses to protect assets against claims concerning “errors and omissions” that have possibly caused injury, loss or damage to another party.

Workers' compensation insurance

is mandatory in most states to cover costs for employee work related injuries. Standard policies pay lost wages and medical expenses and protect your business against lawsuits from work related accidents.

Life and Health

As trusted insurance advisers PJ Insurance Agency offers affordable and flexible Group life plans and health benefit packages to businesses of all sizes. Our experienced specialists work closely with business owners to design the packages that help attract and retain the kind of workforce you want to attract.

Cyber Liability

cyber liability insurance covers financial losses that result from data breaches and other cyber events. Many policies include both first-party and third-party coverages. First-party coverages apply to losses sustained by your company directly. An example is a damage to your company’s electronic data files caused by a hacker.

Business Bond Insurance

Bond insurance is a type of insurance policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default.

Group Health

PJ Insurance Agency understands that while you want to provide the best group health plan possible for your employees, you need cost effective insurance with sufficient coverage that gives you peace of mind.

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