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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 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.

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

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

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

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

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