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Technology Business Insurance in New Jersey

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What are the insurance requirements for technology businesses in New Jersey?

State laws can affect which policies you need for your technology business. These policies are required for New Jersey businesses.
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Workers' compensation insurance

New Jersey state law requires technology businesses that have employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in New Jersey must be covered by commercial auto insurance. New Jersey’s commercial auto insurance requirements are:

  • Property damage liability: $5,000 per accident
  • Bodily injury liability: $30,000 per accident / $15,000 per person
  • Uninsured motorist bodily injury: $15,000

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small New Jersey tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for New Jersey technology professionals

Our agents are experts in insurance for New Jersey technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the New Jersey Department of Banking and Insurance as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 1281440). Verify our licensure with the National Association of Insurance Commissioners.

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