General Liability Insurance in New Jersey

You can save up to 25% in discounts.*

General Liability covers a wide range of incidents

Slip-and-fall injuries

Slip-and-fall injuries

Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.
Property damage

Property damage

You accidentally damage a client or customer’s property.
Advertising injury

Advertising injury

You’re sued for improper image use in your advertising.
Legal fees & defense costs

Legal fees & defense costs

You need an attorney to defend your business in a lawsuit after a claim.

What is General Liability insurance coverage?

General liability insurance can provide important protections for New Jersey small businesses. Sometimes called commercial general liability (CGL), this insurance can help cover costs related to common accidents, such as:

  • Slip-and-fall injuries
  • Other injuries related to your business, excluding employee injuries
  • Damage to someone else’s property
  • Accusations of libel, slander or copyright infringement

General liability insurance can help protect businesses from financial losses in a variety of common situations. For example:

  • If a customer slips on a freshly mopped floor in a Newark grocery store and injures their shoulder, general liability coverage could help pay for legal fees and damages if the business is found liable.
  • If a Jersey City drywall contractor accidentally breaks a client’s window while carrying sheetrock into their home, general liability insurance can help cover the costs to fix the damage.

Your general liability insurance policy can help to protect you from certain related expenses when these types of accidents occur. CGL coverage can also help cover the costs if your business is accused of libel, slander or copyright infringement.

Is General Liability insurance required in New Jersey?

General liability insurance is not mandatory for New Jersey businesses.

However, local governments for cities and counties in New Jersey might require this coverage depending on the type of work you do.

Even though it’s not mandated by law to carry general liability insurance, New Jersey small business owners often get this coverage for its important protections, which include:

Financial protection

New Jersey small businesses may have more financial protection when accidents occur if they have general liability insurance. Banks and lenders may also require this type of New Jersey business insurance.

Work contracts

Potential clients may request proof of coverage before they’ll agree to work with you.

A requirement for a certificate of insurance is sometimes written into contracts. You may lose out on potential jobs without NJ general liability insurance.

Lease agreement

Some commercial property leases require proof of a general liability insurance policy. New Jersey property owners and management companies may refuse to rent you space for your business without this coverage.

Licenses and permits

Depending on what industry you work in, you may need general liability insurance to get a business license or permit in New Jersey.


For example, there are special requirements for general liability insurance for contractors in New Jersey. Contractors must register with the state and provide proof of general liability insurance coverage in a minimum amount of $500,000 per occurrence.

For more details, see our New Jersey general contractor license and insurance requirements guide.

What types of businesses might need General Liability in New Jersey?

Most businesses in New Jersey can benefit from general liability insurance because it covers risks which can happen in nearly every industry.

Businesses with lower levels of risk can still get important protections when they have general liability insurance. Accidental property damage or injuries can happen even at client homes, quiet offices and small retail spaces.

For instance, an employee for a Trenton carpet cleaning business might accidentally scratch a client’s car while removing equipment from their truck. General liability insurance could help cover the costs to repair the damage.

How much does General Liability insurance cost in New Jersey?

Costs for general liability insurance in New Jersey costs vary depending on where your business operates and the type of work you do. The number of employees you have, the policy limits you choose and your past insurance claims can also affect your insurance premiums.

NEXT offers affordable general liability insurance for New Jersey business owners. Our CGL insurance premiums are priced at $45 or less per month for 50% of our U.S. customers.**

Learn more about general liability insurance costs.

How NEXT Insurance helps New Jersey businesses

NEXT provides New Jersey general liability insurance policies designed for small businesses and self-employed workers.

It only takes about 10 minutes to get a quote, review your coverage options, choose your policies and download a certificate of insurance.

Start an instant quote online today.

Our team of licensed insurance advisors is standing by to assist you if you have any questions along the way.

Other business insurance policies that are important in New Jersey

General liability insurance is just one type of insurance small businesses usually need. Additional coverage can help protect against other types of everyday risks.
Most New Jersey small businesses also consider these business insurance options:
Workers Compensation
Workers’ Compensation insurance

Workers’ compensation insurance can help pay for medical expenses and lost wages if an employee gets hurt on the job. This coverage is required for New Jersey businesses with at least one employee.1

Learn more about workers’ compensation.
Commercial Auto
Commercial Auto insurance

Commercial auto insurance can help cover costs like property damage and medical bills if one of your work vehicles is involved in an accident.

This type of auto insurance is required in New Jersey for all business vehicles, with minimum coverage of $15,000 per person, $30,000 per accident and $5,000 for property damage.2

Learn more about commercial auto.
Commercial Property
Commercial Property insurance

Commercial property insurance can help protect the physical assets needed to operate your business. This coverage may extend to equipment, inventory, furniture and brick-and-mortar structures. If your business is affected by a covered event, such as damage from a burst pipe or a fire, commercial property insurance can help pay for replacement or repair costs.

A business owner’s policy (BOP) combines commercial property insurance and general liability insurance. Compared to buying these policies separately, a BOP is often less expensive.

Learn more about commercial property insurance.
Errors & Omissions
Professional Liability insurance (E&O insurance)

Professional liability insurance, sometimes known as errors and omissions (E&O), can help provide financial protection if a client or customer accuses you of professional negligence. This type of insurance is commonly bundled with general liability insurance.

Learn more about professional liability.

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Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
** The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.