Insurance Solutions for Businesses of All Sizes

You built something real. The right insurance program keeps it standing — through a lawsuit, a fire, a theft, or whatever comes next.

What Insurance Does a Local Business Actually Need?

Most small and local businesses start with a business owners policy — and for good reason. A BOP bundles general liability and commercial property coverage into a single, cost-efficient package designed for the way small businesses operate. For many shops, studios, service providers, and storefronts, it is the foundation everything else is built on.

 

But a BOP is a starting point, not a complete program. Depending on how your business operates, you may also need:

 

  • Commercial auto insurance if you or your employees drive for work purposes
  • Workers compensation insurance, which is required by law in most states the moment you have employees
  • Commercial umbrella coverage to extend your liability limits beyond what your base policies provide
  • Inland marine insurance if you transport equipment, tools, or inventory off-premises
  • Professional liability or errors and omissions coverage if you provide advice, services, or design work for clients
  • Cyber liability insurance if you store customer data, process payments, or operate any part of your business online
  • Liquor liability coverage if your business serves or sells alcohol

 

We work with each client to understand how their business actually runs — not just what industry they are in — and build coverage around that reality.

Independent Brokerage Means Better Options for Small Business Owners

MJM Global is independently owned, which means we are not tied to any single carrier and we are not answering to shareholders or private equity. We access top-rated insurance providers across the United States and place coverage based on what fits your business — not what fits our preferred markets.

 

For main street business owners, that distinction matters. Large national brokers are built for large national accounts. When a small business walks through their door, it often ends up with a junior account manager, a templated program, and limited negotiating leverage. At MJM Global, local and regional businesses are not an afterthought. They are a core part of what we do.

 

We have been in business for more than 30 years, built almost entirely on referrals. That track record reflects the way we work: attentive, direct, and genuinely invested in the outcome for each client.

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Industries We Commonly Serve Under Main Street Business Insurance

MJM Global works with a wide range of local and regional businesses across New Jersey, Florida, and nationally. Common business types we insure include retail shops and boutiques, personal service providers, salons and spas, fitness studios, specialty food and beverage businesses, professional offices, contractors and tradespeople, and general service businesses of all kinds. If your business serves a local community and you are looking for an insurance partner who will take the time to understand it, we are a strong fit.

Frequently Asked Questions About Small Business Insurance

  • Is a business owners policy enough for a small shop or local business?

    A BOP covers the fundamentals — general liability and commercial property — and is a sound starting point for most small businesses. Whether it is sufficient depends on how your business operates. If you have employees, vehicles used for work, professional services, or any online presence that handles customer data, you will likely need additional coverage beyond what a BOP provides. We can walk through your specific situation and identify any gaps.

  • What does small business insurance typically cost?

    Cost varies significantly based on the type of business, its revenue, the number of employees, the physical location, and the coverages selected. A BOP for a small retail shop or professional office may start at a few hundred dollars per year, while a more complex program with multiple coverage lines will be priced accordingly. The most accurate way to understand your cost is to request a proposal — we compare options across multiple carriers to find the best fit for your budget and exposure.

  • Do I need workers compensation insurance if I only have a few employees?

    In most states, yes. Workers compensation requirements are triggered by having any employees — not by headcount. New Jersey and Florida both have mandatory workers compensation requirements for businesses with employees. The specifics can vary based on business structure and industry, so it is worth confirming your obligations before assuming you are exempt.

  • What happens if a customer is injured at my business?

    General liability insurance, which is included in a standard BOP, is designed to respond to third-party bodily injury claims — including customers injured on your premises. It can cover medical costs, legal defense, and settlements up to your policy limits. If a judgment exceeds your limits, a commercial umbrella policy provides an additional layer of protection. This is one of the most important reasons not to operate without adequate liability coverage in place.

  • Can MJM Global help if I already have insurance but am not sure it is right?

    Yes. A coverage review is one of the most valuable things we offer. We regularly work with business owners who have had the same policy for years without a meaningful review, and we frequently find either gaps in coverage or opportunities to improve the program without increasing cost. There is no obligation involved — a conversation costs nothing, and the information you walk away with is useful regardless of what you decide.