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Weathering A Hurricane: Tips for Before, During and After a Storm

Posted on September 3rd, 2019 by admin

Our friends at The Hanover Insurance Group put together this excellent infographic containing tips on what to do before a hurricane hits, during the storm and after the storm passes. Please take a few moments to review the tips and keep your family protected this upcoming hurricane season: If you are a business owner, please download this guide from Hanover: Hurricane Preparedness for Business Please contact us at info@icnj.com or call us at 201-525-1100 if you have any questions regarding hurricane insurance coverage.

Understanding The Insurance Risks of Volunteering

Posted on September 2nd, 2019 by admin

Volunteering is something millions of Americans do. We are a nation of people who give. We encourage our children to volunteer and want to set a good example by volunteering our own time and talents to help others who are less fortunate in life or have unexpected needs along the way. It is good and noble to want to volunteer and help others. Unfortunately, in the litigious world, we live in, volunteering your time and talents can put you on the hot seat when people do not get the results they want from your altruistic gestures. Some of the places…Read More

What Constitutes Landlord Discrimination Against a Tenant?

Posted on June 18th, 2019 by admin

Landlords have many rules and regulations to follow when approving or denying residency to potential residents and the fair treatment of all tenants. Sometimes, though, it’s difficult to see through the noise of all the discrimination complaints to understand what actually qualifies as discriminatory acts. The Federal Fair Housing Act, passed in 1968 and the subsequent Fair Housing Act Amendments Act passed in 1988, identify protected categories against which landlords cannot discriminate. They include: Race or colorReligionNational originFamilial statusAgeDisabilityHandicapGender Specifically, landlords are prohibited from advertising or making statements indicating preferences based on race, religion, or any other protected category. It…Read More

The Importance of Building Safety

Posted on May 28th, 2019 by admin

Our communities are more well-equipped and better prepared today than ever before due in large part to our consistent building practices. But the work to improve building safety isn’t over. The International Code Council is the trusted source for codes and standards related to building safety. Building owners and managers should review the ICC’s standards to protect the safety of the people who work in and visit their buildings. Topics Include: Preparing for Disasters: Build Strong, Build SmartEnsuring a Safer Future through Training and EducationSecuring Clean, Abundant Water for all CommunitiesConstruction Professionals and Homeowners: Partners in SafetyInnovations in Building Safety…Read More

5 Reasons to Review Your Insurance Policies Annually

Posted on January 22nd, 2019 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

Halloween Safety Tips

Posted on October 26th, 2018 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

It’s Flue Season: Chimney Fire Prevention Tips

Posted on October 8th, 2018 by admin

As the first hint of frost approaches, all eyes turn toward toasty fires in the fireplace. Before you light it up, though, it’s important to invest a little time and attention to your chimney in order to prevent fires that could devastate your home. In 2013, there were 23,100 residential structure fires related to chimneys and fireplaces, resulting in 10 deaths, according to the U.S. Consumer Product Safety Commission. The estimated property loss resulting from these fires was more than $109 million. What are Signs of a Chimney Fire? Chimney fires can occur with or without you knowing about them….Read More

How to Protect Yourself from Email Fraud

Posted on September 27th, 2018 by admin

Email fraud happens far more often than many people realize.  In fact, it can be one of the easiest crimes a would-be crook can carry out. While SPAM filters do manage to eliminate the bulk of these scams from making it into your email inbox, some do get by even the most sophisticated technology. Phishing is the most common and the most dangerous as it is designed to steal your confidential and personal information. These emails disguise themselves as legitimate agencies (banks, utility companies, etc.) then attempt to get information from you such as account numbers, personal information, passwords, PIN…Read More

Getting Ready To Go Away to School?

Posted on August 6th, 2018 by admin

Does your homeowners policy cover your son or daughter while away at college? According to the ISO Homeowners Policy (special form), a student is considered an “insured” if: under the age of 24; and your relative; and enrolled in school full time, as defined by the school; and who was a resident of your household before leaving to attend school. An extension for older children pursuing higher education can often be obtained from the insurance company upon request. How will your student’s belongings be covered? Since children away at school are an “insured” on their parent’s homeowners policy, they will…Read More

Workers’ Compensation Insurance Penalties in New Jersey

Posted on July 25th, 2018 by admin

New Jersey’s workers’ compensation statutes were amended in October 2008 by a series of bills signed by then-Gov. Jon Corzine, which intended to strengthen the system and set penalties that can be levied against participants who run afoul of the system’s requirements. What are these requirements? An employer in New Jersey must satisfy its obligations to injured employees under the Workers’ Compensation Law, either by purchasing an insurance policy or by obtaining authorization to self insure by fulfilling certain filing requirements. What was changed in October 2008? The law that has the most impact on you as an employer is Chapter 94 of 2008. This…Read More

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