Business Area
Business Area
As an independent insurance broker in New Jersey, Neptune Financial Services (NFS) is dedicated to protecting personal & business investments of our clients with the best workable solutions from a variety of nationally recognized companies. We have solutions for small businesses, professionals, and individuals.
Businesses and properties are always exposed to different kinds of risks. Risk involve the losses and insurance is a tool which reduces the cost of loss or effect of loss caused by variety of risk. It accumulates funds to meet individual losses. It is not device to prevent unwanted event of happening or cause of loss but protects them against that loss by compensating which as lost.
Most states require small business insurance. However, even if yours doesn’t, you should still consider it, because it’s benefits could protect you from financial loss. Without it, your business may face risks if: your customer sues you after getting hurt at your place of business, if your employees suffer work-related injuries or illnesses, A fire destroys your building or inventory, or A computer with your clients’ personal information on it is stolen.
In Business, commerce and industry, huge properties are employed. Because of slight negligence, the property may be turned in to ashes. A person may not be sure of his life, health and cannot continue the business up to the longer period to support his dependents. By the help of insurance, he can be sure of his earning, because the insurance company will pay a fixed amount at the time of death, damage by fire, theft, accident and other perils.
Our business area includes Retail Stores, Hotel, Motel, Commercial property, Warehouses, Manufacturing, Car Dealers, Auto Repair Stores, Restaurant, Medical, Consulting, Hauling, Transportation, Truck insurance, etc. Call us for Free Business Insurance Quote.
Free Business Insurance Quote
Retail Stores / Wholesale
- Property
- Contents
- Product Liability
- Goods in Transit
- Boiler and Machinery
- Commercial Auto
- Workers Compensation
- Barber Shops
- Bars and Tavern
- Beauty Parlors
- Bookstore / Video Store
- Convenience Stores
- Dry Cleaners / Laundromats
- Gas Stations
- Grocery Stores
- Laundromats
- Liquor Stores
- Retail Shops
- Warehouses
Hotel or Motel
- Franchise or Non-Franchise
- Guests’ property
- Computers and media
- Equipment breakdown
- Spoilage of refrigerated property
- Water backup of sewer and drains
- Ordinance or law coverage
- Bed & Breakfast
- Franchise Motel
- Franchise Hotel
- Non-Franchise Motel
- Non Franchise Hotel
- Rental Dwelling
Commercial
- Building
- Contents
- Liability
- Condominium Association
- Loss of Rents
- Signs and Outdoor Property
- Glass & Flood
- 1-4 Family Dwellings (Commercial)
- Adult Day Care Centers
- Apartment Building
- Building with Stores & Apartments
- Commercial Property
- Condominium Building
- Condominium/Town Homes
- Daycare Centers
- Offices
- Papers Products Mfg. & Distributors
- Plastic Products Mfg. & Distributors
- Shopping Centers
Restaurant
- Refrigerated Property
- Personal Property of Others
- Equipment Breakdown
- Business Interruption Coverage
- Accidental Discharge of Automatic
- Cooking Protection System
- Catering Service
- Restaurants & Deli
- Coffee Shops & Diners
- Non-Franchise Foods Store
- Franchise Food Stores
Medical / Legal / Consulting
- Malpractice Insurance
- Errors and Omissions
- Employment Practices Liability
- Directors and Officers Insurance
- General Liability
- Professional Liability
- Accountant / Auditor / Bookkeepers
- Consulting Agency
- Dental Clinics
- Employment Agency
- Lawyers / Medical Offices
Hauling & Transportation
- Heavy/extra heavy truck insurance
- Container coverage
- Goods in transit
- Pollution/clean-up coverage
- Excess liability limits
- Trailer Coverage
- Auto Garage
- Taxi – Limo Services
- Truckers
- Franchise Hotel
- Non-Franchise Motel
- Non Franchise Hotel