Cham Joun Insurance — Complete Business Coverage for NJ
Business Insurance
Protect Your Company,
Employees, and Operations
Whether you run a small business, contractor operation, retail shop, or professional service, we help you secure the right insurance to protect your business from financial loss, lawsuits, accidents, and unexpected events. We make business insurance simple, compliant, and affordable.
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Insurance Designed for Every Business Size
From liability protection to employee health benefits, our Commercial Line offers essential coverage for small businesses, contractors, corporations, and professional services.
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Commercial Propert
Insurance
Commercial property insurance protects the physical assets of your business, including its building, equipment, inventory, and furniture, from risks like fire, theft, or natural disasters.
- ✔ Building & Structures — Coverage for buildings you own or lease.
- ✔ Business Contents — Furniture, computers, and specialized equipment.
- ✔ Inventory & Supplies — Stock kept for sale or raw materials.
- ✔ Improvements & Betterments — Renovations you’ve made to a leased space.
General Liability Insurance (GL)
General Liability protects your business from:
✔ Bodily Injury
A customer slips, falls, or gets hurt at your job site.
✔ Property Damage
You accidentally damage a client’s property.
✔ Personal & Advertising Injury
Libel, slander, copyright issues.
✔ Legal Defense Costs
Covers attorney fees and settlements.
Common industries needing GL:
Contractors, Retail stores, Offices, Restaurants, Cleaning services, Real estate professionals, Small businesses
GL is the #1 required insurance for most business contracts.
Required in NJ & NY for businesses with employees.
Workers Compensation (WC)
WC covers:
- ✔ Employee Injuries — Accidents at work, falls, strains, equipment injuries.
- ✔ Lost Wages — Partial wage replacement during recovery.
- ✔ Medical Bills — Hospital, therapy, rehabilitation.
- ✔ Employer Liability — Protects your business from lawsuits related to workplace injuries.
WC is mandatory for:
Full‑time employees, Part‑time employees, Seasonal workers, Some subcontractors
Business Owners Policy (BOP)
A BOP combines General Liability + Commercial Property into one affordable package.
BOP Includes:
- ✔ General Liability
- ✔ Commercial Property
Essential Coverage:
- ✔ Business Interruption — Covers lost income during temporary closures.
- ✔ Equipment & Inventory — Protects business contents.
Optional Add-Ons:
- ✔ Cyber liability
- ✔ Employee dishonesty
- ✔ Outdoor signs
- ✔ Spoilage
- ✔ Tools & equipment
Best For:
Retail stores, Offices, Restaurants, Small businesses, Professional services
Certificates of Insurance (COI)
Most business clients require a COI before work begins. We make sure you’re ready to start immediately.
