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Posted on November 30th, 2020 by admin

A basic life insurance policy is a contract between the policyholder and the insurance provider which obligates the provider to pay a death benefit upon the death of the named insured.  The death benefit is then paid to the to the describd beneficiaries. This is in exchange for premiums the policyholder or policyowner pays to the insurance provider.  What Does Life Insurance Coverage provide? Some things life insurance can provide are: 1. Everyday Expenses and Monthly Bills Chances are, you’re paying for a mortgage or rent, utility bills, and essential household items like groceries, cleaning items, and more. These bills…Read More

Posted on November 24th, 2020 by admin

You’ve just found the ideal place to rent. It’s close to work, has an amazing view, and comes with a bunch of other perks. But, one thing you might not have thought of is “will my landlord require me to have renters insurance?” They might have told you your application looks good, and with a down payment, you’re all set to move in. But, in some cases, they might also require you to get renters insurance before finalizing the lease. That may make you wonder, can landlords require renters insurance? The answer is yes, landlords can require their tenants to…Read More

Posted on July 10th, 2020 by admin

Taking your kids swimming is an ideal way to help them (and you) keep cool this summer. But, as parents, you also want to make sure your kids are safe while spending the day at the pool or lake. These tips will help you keep your kids safe this summer while allowing your children to enjoy their time in the sun and around the water. 1. No one swims alone. This is perhaps the most important rule you can establish as a parent when it comes to children swimming. Accidents happen all the time and even the strongest swimmer can…Read More

Posted on March 30th, 2020 by admin

Allowing employees to work from home has notable perks for small business owners, like you. These include promoting a satisfied workforce and cutting down on office space expenses. However, among all of the telecommuting fanfare, there are still potential liabilities to consider. This is especially true when you have home-based business employees. Questions you should begin asking yourself include:  “What concerns should I have?”“What guidelines do I need to follow?”“Where can I obtain home workers insurance?” Work-from-home employees may expose your company to risks not currently covered by your small business insurance. Before you give employees the green light to forge their own paths…Read More

Posted on March 4th, 2020 by admin

As a new year is here, it’s a good time to review your insurance policies. Life happens, things change, you want to make sure you are adequately insured.  We’ve put together a list of 5 reasons why it’s a good idea to review your policies annually. https://myagencyvideos.wistia.com/medias/o86agrbdfg 1. Manage Your Personal Life Changes A lot can happen in a year that can have huge effects on your insurance costs, coverage options, limitations, and more. Some of these things include: Getting marriedGetting divorcedChildren leaving home/empty nest/child off to collegeStarting a new jobStarting a new businessStarting a family/birth or adoption of a…Read More

Posted on November 19th, 2019 by admin

Once considered a luxury coverage that only the largest businesses could afford, employment practices liability insurance, otherwise known as EPLI, is essential for businesses of all shapes and sizes. The more you understand about the many reasons why EPLI is no longer a discretionary option for small business owners and large corporations alike, the better prepared you will be to purchase the right EPLI protection to meet the needs of your business. What is Employment Practices Liability Insurance? As the name implies, the EPLI offers protection to businesses for offenses, or perceived offenses, against employees. These offenses can be related…Read More

Posted on October 27th, 2019 by admin

The annual apparition of spooky skeletons, broomstick-riding witches, and carved pumpkins is a sure sign fall is well underway. Second, only to Christmas in terms of how much consumers spend on decorations, Americans of all ages seem to love celebrating Halloween. The Halloween spirit has spread to the inside and outside of the home as well, with homeowners setting up elaborate displays that range from haunted houses in the basement to graveyards on the lawn, as well as high-tech LED lighting outdoors. When planning and setting up your Halloween decorations, it is a good idea to consider any potential risks…Read More

Posted on October 16th, 2019 by admin

When buying insurance for homes, condos, and rentals, you’ll come across the following terms: Actual Cash Value (ACV)Replacement Cost Value (RCV) The terms themselves appear innocent enough but can have a massive impact on the value of the protection you purchase with your insurance policy. The better you understand the differences between the two, the better you will be able to make the appropriate decision to match your needs. What Does Actual Cash Value Mean for Consumers? Actual cash value is a type of insurance that protects items in your home, such as appliances, furniture, computers, and electronics, for the cost…Read More

Posted on October 15th, 2019 by admin

While spring is a common time for many homeowners to spend some extra attention on upkeep and maintenance, autumn is just as critical a season for preparing your home to withstand the potentially harsh winter weather and temperature conditions that may await you. By making maintenance part of your annual fall routine you can identify potential problems before they arise, and help prepare your home and property for what Mother Nature has to offer. Following are some home maintenance tips to help you prepare for the coming winter: Have your heating system cleaned and inspected annually by a qualified technician.Replace…Read More

Posted on October 10th, 2019 by admin

At ICNJ we know just how devastating a fire can be for a company or a family. We encourage you to think of October as Fire Safety Month. Take the time to make a plan, prepare your loved ones and get your office involved. While most safety tips are for keeping your home and family safe, we feel it is just as important to stay alert and prepared at work. Below are some simple tips to keep in mind at the office. Arson Arson is the largest single cause of fires in general office buildings. Follow your building’s security measures and keep unauthorized people out of the building.Keep…Read More