Business Insurance
Get The Most Competitive Business Insurance Rates In Bergen County
Welcome to Imperial Agency Business Insurance, where protection meets prosperity. We understand the unique challenges that businesses face in today’s dynamic landscape. Our mission is to empower your enterprise with comprehensive business insurance solutions tailored to safeguard your assets, fortify your operations, and ensure sustained success. Trust in Imperial Agency to be your strategic partner in risk management, providing a shield for your business and peace of mind for your journey ahead. Explore the strength of assurance with Imperial Agency Business Insurance – Your Gateway to Confident Commerce.
Commercial Truck & Auto Insurance
Most businesses rely on some form of transportation, whether it’s a long haul across the country, a group of emergency vehicles or transportation to and from the job site. No matter what business you’re in, you need coverage to help protect against the risks both your employees and vehicles face on the road.
Because protecting your business vehicles isn’t the same as your personal auto, Imperial Agency offers a number of solutions to help you stay covered.
Liability Coverage
Provides protection against liability for bodily injury and property damage to others caused by the maintenance or use, including loading and unloading, of your company-owned autos.
Uninsured Motorists Coverage
Provides protection, as required by applicable state law, to the insured for damages sustained by the insured that result from an accident caused by an uninsured motorist.
Under-insured Motorists Coverage
Provides protection, as required by applicable state law, to the insured for damages sustained by the insured that result from an accident caused by a driver whose automobile liability insurance limits are inadequate.
Physical Damage Coverage
Protects your owned autos against accidental loss or damage, including:
- Collision coverage
- Comprehensive coverage
- Specified causes of loss coverage – for example, theft, vandalism, hail, windstorm, flood, fire, explosion
Business Owner’s Policy or BOP Policy
As a business owner or manager, you want to feel confident that your insurance coverage will protect the assets of the business you’ve worked hard to build. With over 35 years of experience, we worked with a variety of businesses types and sizes and have local resources and expertise to build a policy suitable for you. At Imperial Agency Inc., we offer the protection your business needs so you can focus on what’s most important to you.
Insurance package that combines protection from all major property and liability risks in one package. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
The Protection You Need in One Convenient Policy
Property: Covers the property you own, lease or rent, from the sign on your storefront to your equipment. Whether a fire destroys your shop or your equipment breaks down due to a power surge, this insurance can help replace your property and cover payroll and lost income if your business is unable to operate.
General Liability: Covers costs related to litigation and court judgments if a customer or other third party files suit against you or your employees. If a client’s car is damaged in your vicinity lot or a client slips and falls in your place of operation, this coverage can help protect your business’s finances and reputation. You can also add data theft and cyber coverage to help your business recover if systems and/or customer information are exposed.
Commercial Umbrella and Excess Liability Insurance
When your business suffers a large loss, your reputation, your brand, and your financial stability are at stake, that’s where we come in to prevent such losses. Standard property and liability policies can help protect your company in a range of situations, but there are times when losses may exceed what your primary insurance can cover.
Commercial umbrella and excess liability solutions from Imperial Agency can provide the extra protection you need for the big, unexpected events that can have potentially catastrophic results. From devastating multi-million dollar lawsuits, to auto accidents, to product liability claims, running your business means planning for the unexpected.
Our broad coverage can provide the additional security needed to help protect against these substantial losses. We’ll worry about the risk, so you can focus on growing your business.
An Umbrella Liability Policy supplements your existing policy’s general liability, auto liability and employer’s liability limits. An umbrella policy provides:
- Increased limits in excess of the standard primary policies
- Replacement of the primary policies if limits are used up by covered losses
- Broader coverage than primary coverages
- Workers Compensation Insurance
Workers compensation coverage can help protect both you and your employees after a work-related injury or illness. For the injured employee, workers compensation provides medical care, lost wages and more. For the employer, workers compensation provides a sole remedy, avoiding expensive civil litigation, plus peace of mind knowing your employees will get the help they need to recover and return to work. Imperial Agency has been providing workers compensation coverage for more than 35 years. Imperial Agency offers workers compensation protection for many trades.
State-specific workers compensation information resource