Bergen County NJ Commercial Insurance Lines


Bergen County NJ Commercial General Liability

Our Bergen County NJ CommercBergen County NJ Commercial Insurance Lines | Merwin & Paolazziial Insurance Lines protect your business from slips and falls, product defects, operational snafus. Anything can happen – on-premises or off-premises. Because we can see where you want your business to go, we can also see where you don’t want it to go. We’ll also review your contracts and lease agreements to evaluate what potential liabilities and exposures you face when entering into contractual agreements. Whether you run a contracting firm or own an apartment building, if your business finds itself potentially liable, we’ll make sure you’re prepared.




Bergen County NJ Business Auto

Your business is going places, and your business vehicles help get you there. While you stay focused on where you’re going, let us focus on any auto-related risks that may lie in the way. We will review your operation and type of vehicle use to determine the appropriate coverage and liability limit options your business requires to protect against your exposures. We also like to focus on helping you be safety-conscious and reward you for your careful ways with top-quality coverage and service.


Commercial Package

Certain risks are just inherent to certain businesses. Because we are experts with those types of risks, we offer coverage extension packages for contractors, food processors, wholesale distributors, metalworkers, and restaurants. With a commercial package policy you get the benefit of flexibility, important to a business as it’s growing and exposures and risks evolve. You also get the benefit of a premium discount by having all your policies in one package.


Bergen County NJ Commercial Property and Business Income

Say something goes wrong – perhaps Mother Nature is to blame – and your operations are interrupted for a little while. We can help cover lost income and losses sustained while your operations are down. We’ll review your insurance program together to determine if it adequately addresses your operation’s exposures, including your property risks. We’ll also look at the cost to replace your business property in the event of a loss so that the structure is insured properly.


Bergen County NJ Workers’ Compensation

One key to workers’ compensation coverage is to avoid workers’ compensation claims. So when you take out a policy with us, you get e-learning resources to improve your safety programs and reduce injuries. We also provide roadmaps for return-to-work programs and, because we take a close look at your business’ needs, we can size a plan to work for you. Another key: fast claims processing. You get that, too.


Bergen County NJ Commercial Umbrella Liability

We hate to sound mushy, but we’ll catch you if you fall. When your underlying policy is exhausted or there’s no policy to cover whatever your liability happens to be, our commercial umbrella coverage provides a safety net for your business. Another way we’re there for you: Rather than making you wait for us to reimburse you, we can pay for the loss upfront.




Burglary, forgery, employee dishonesty. Truth is, bad things happen to good businesses. Big or small, what we do is look at your business’ particulars. Then we fit you with coverage that would protect you against what could befall you.


Commercial Inland Marine

As any cargo company knows, inland marine insurance has almost nothing to do with the ocean and everything to do with transported goods. That’s why we work with land-based shipping and storage businesses to cover moveable merchandise from fine art to theatrical property to physicians’ and surgeons’ equipment. We also offer protection for computer systems and valuable papers (among other things), covering you where your business stays stationary too.


Bergen County NJ Commercial Insurance Lines coverage subject to availability.