Business Insurance

Our experienced professionals can evaluate your business operations and recommend the right insurance package to ensure you're protected against any risks your company may face.     

Our reputable insurance partners provide complete insurance solutions for business owners of all sizes. We'll pair your business with the right coverage from the right insurance company.   

From the one-man shop to large corporations, Mystic Insurance has business solutions to fit your needs. We will craft a  customized commercial insurance policies suited to your unique business operations.     

We offer insurance packages that include business auto, liability, workers comp, property and more. Our business insurance advisors are dedicated to offering excellent customer service and trustworthy advice. Contact us today to learn more, 609-296-7534.     

Insurance that protects your company, so you can get back to business     

Mystic  Insurance understands businesses in the community. You can find our offices in Moody, and our clients all around New Jersey. As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.   

Broad insurance coverage for your business and activities.

Protect your business with insurance for your commercial property.

Cover your business with insurance for commercial vehicles.

Insurance coverage that helps protect your business from the rising costs of lawsuits.

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Mystic Insurance recommends that all businesses have general liability coverage in place.  

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Mystic Insurance recommends that all professional and technology companies have E&O coverage.  

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Mystic Insurance recommends considering this type of coverage.  

D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.  

To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered, 609-296-7534  

One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered.    

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, Guide Insurance can help you determine the type of insurance policy and range of coverage that is best for your business.    

For a full list of coverage available, or to learn more about this business property insurance, contact us today.

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give us a call today, and we’ll help you determine if you have enough commercial property insurance for your business.  

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask us to review your insurance policy, and we’ll help you find the best solution.  

Business personal property insurance covers property at a specified location such as furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).  

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. We strongly recommend that all businesses acquire this coverage.  

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.  

Mystic Insurance understands the Birmingham business insurance needs of our customers. The right coverage for you is unique – call us today to find out how to protect your business and your future with the right insurance, 609-296-7534.  

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.     

The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.   

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, Mystic Insurance recommends that your business insurance program include this coverage.  

This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.  

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, and/or significant public exposure.  

Talk to Mystic Insurance about your business operations. We can advise you on what kind of liability coverage you need to protect yourself and your company. Give us a call and we’ll help make sure you’re covered 609-296-7534  

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.  

Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.  

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it's a business such as selling cosmetics, jewelry, or pizza delivery.  

Every business is unique – talk to Mystic Insurance today to find out how to get the best business auto insurance, service, price and value, 609-296-7534