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Business Insurance

Small, medium and large business accounts, property, liability, workers comp, auto, bonds, and more.

Running a business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses.

Your state government determines insurance requirements for businesses. Most states require businesses with employees to pay for workers’ compensation insurance, unemployment insurance, and state disability insurance. Your state may require insurance of specific business activities. For example, if you own a car or truck and use it for business purposes, you may be required to purchase commercial auto insurance. Finally, your financial lender or investors may require you to maintain life, business interruption, fire, flood or other types of insurance to protect their investments.

Property: Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money.
Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.

  • Commercial Buildings
  • Condominiums
  • Business Personal Property
  • Floater Policies for Tools & Equipment
  • Flood Insurance

Liability: Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.

  • Commercial Liability
  • Commercial Automobile
  • Workers Compensation
  • Employee Benefits
  • Fidelity Bonds

You can use this form as a preview of the questions we will ask you.  If you wish, you can complete and submit the form.  Your inquiry is sent by e-mail and distributed to the appropriate underwriter.  You may contact an underwriter by e-mail or phone at any time – CLICK HERE TO CONTACT US

Please provide the following contact information :
Business Description

Full description of the business: (This will help us to identify your insurance needs)

Coverage Requested

Provide a description of the type of business insurances you're looking for:
(i.e. Workman's Comp, Property, Auto, General Liability, Manufacturing,
etc...)


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Insurance Information

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Thomas H Heist Insurance Agency - 5 locations!
700 West Avenue, Ocean City, NJ 08226 | 3069 English Creek Avenue, Egg Harbor Township, NJ 08234 | 7809 Atlantic Avenue, Margate, NJ 08402
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