Hudson County is the most densely populated county in New Jersey and one of the most commercially active in the New York metropolitan area. Its twelve municipalities range from the high-rise towers of Jersey City’s Exchange Place to the industrial waterfront of Bayonne, the urban commercial corridors of Union City and North Bergen, and the residential neighborhoods of Secaucus and Kearny. Each municipality has its own commercial character, building stock, flood exposure, and insurance market considerations.
Muller Insurance is a Hudson County agency. Our office has been in Hoboken since 1906, and our commercial insurance practice covers businesses and investment properties across all twelve Hudson County municipalities. We hold carrier appointments with the companies that write New Jersey commercial risks and can place coverage for a wide range of commercial property types and business operations.
Commercial Insurance by Business Type in Hudson County
Retail and Food Service
Retail stores and food service businesses are among the most common commercial insurance clients in Hudson County. Requirements include commercial property for business personal property and tenant improvements, general liability, workers compensation for businesses with employees, and liquor liability for businesses that serve alcohol.
Contractors and Trades
Hudson County has a large population of small contractors who work on renovation projects throughout the county and the broader NJ/NY market. These businesses need general liability, commercial auto, workers compensation, and tools and equipment coverage. New Jersey law requires workers compensation for all contractors with employees.
Residential Investment Properties
Hudson County has one of the highest concentrations of residential investment properties in New Jersey, with two-family and three-family homes in virtually every neighborhood and small to mid-size apartment buildings throughout the county. Properties of five or more units require commercial building policies. Muller Insurance writes dwelling coverage for smaller investment properties and commercial building coverage for larger ones.
Professional Offices and Services
Professional offices, real estate firms, property management companies, and financial services businesses operate throughout Hudson County. These businesses typically need a BOP or commercial package policy for their premises, professional liability coverage for their services, and commercial auto if their employees or principals drive for business purposes.
Flood Risk in Hudson County
Hudson County’s location along the Hudson River, the Hackensack River, and the Newark Bay creates significant commercial flood exposure for properties and businesses in flood-prone areas. Superstorm Sandy demonstrated the severity of this exposure, flooding commercial properties throughout Hoboken, Jersey City, and the waterfront communities. Standard commercial property policies exclude flood damage. Muller Insurance can place commercial flood coverage for Hudson County businesses and property owners.
Commercial Insurance Across State Lines From Hudson County
Many Hudson County business owners and property investors have operations or assets in New York. Our commercial carrier relationships cover both NJ and NY, with Amtrust, Andover Companies, and Plymouth Rock all writing in both states. For property owners with buildings in both NJ and NY, we can coordinate coverage through a single agency relationship.
Our Carriers for Hudson County Commercial Insurance
- Amtrust: writes commercial property, liability, auto, and workers compensation in NJ and NY.
- Andover Companies: writes commercial property and liability in NJ, NY, and CT.
- Franklin Mutual (FMI): writes commercial property and liability in NJ, NY, and PA.
- Cumberland Mutual: writes commercial property and liability in NJ.
- N&D Group: writes commercial property and liability in NJ.
- Farmers of Salem: writes commercial property and auto in NJ.
- Plymouth Rock: writes commercial auto in NJ and NY.
- Progressive: writes commercial auto in NJ and NY.
Contact Muller Insurance
For commercial insurance anywhere in Hudson County, call Muller Insurance at 201-659-2403 or visit MullerInsurance.com. We have been insuring Hudson County businesses and properties since 1906.
