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Rideshare Insurance Options for Uber and Lyft Drivers

Posted on February 15th, 2018 by admin

Once you have decided to drive for a rideshare program like Uber or Lyft, your next thought should be about insurance protection and the options available to you. Your personal auto policy is not going to cover your rideshare activities. Some insurance providers may even drop you from coverage if they find out you participate without notifying them. With that in mind, what are your options for insurance protection? Why Don’t Rideshare Companies Offer Insurance Coverage? Ultimately, both Uber and Lyft do offer insurance protection, but with limited protection to drivers.  To understand how limited the policies are, you first…Read More

Do You Need Special Insurance to Drive for Uber and Lyft?

Posted on January 31st, 2018 by admin

Are you considering driving for services like Uber and Lyft to help supplement your income? It can be a good plan that can help you meet your financial goals while holding on to your day job. If so, you’ll want to make sure you have the right kind of rideshare insurance protection so that your vehicle (no pun intended) to your financial dreams doesn’t become a monetary albatross. Most traditional auto insurance policies specifically exclude activities related to ridesharing programs like Uber and Lyft. So, yes, you do need special insurance if you intend to drive for a rideshare service….Read More

Why choose a professional independent insurance agent?

Posted on November 29th, 2017 by admin

Because…… We offer a choice of insurance products from many different insurance companies We will give you objective advice because we’re not employed by an insurance company, we work for you We will help you find the right coverage, at an affordable price We can access companies that offer insurance coverage for unique or hard to place risks We are licensed agents and attend many continuing education sessions to help our customers make complex insurance decisions based upon their individual needs, not one size fits all We’re local, you can visit our office during the business day and meet with…Read More

Halloween Safety Tips

Posted on October 26th, 2017 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

Fall Home Maintenance Tips

Posted on October 19th, 2017 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….Read More

Fire Safety Tips for The Workplace

Posted on October 10th, 2017 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….Read More

Understanding The Insurance Risks of Volunteering

Posted on September 19th, 2017 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

How an Insurance Score Affects Your Premium

Posted on August 22nd, 2017 by admin

For many people, the formula used to determine insurance rates may look like a mythical magic 8-ball type of voodoo. But in fact, there are highly-evolved formulas that help insurance companies identify the risks they are taking on when issuing your insurance. You may have an identical driving score, the same number of tickets, driving experience, etc. as someone else, but a wholly different insurance score. That score determines how low or high your insurance premiums will be. What is an Insurance Score? Before you can understand how it affects your premium, you first need to know what is an…Read More

17 Pool and Lake Water Safety Tips for Parents

Posted on July 10th, 2017 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

What is Social Media or Cyber Bullying?

Posted on May 22nd, 2017 by admin

Despite numerous campaigns throughout the country to end bullying, the numbers related to bullying are quite staggering. According to the Megan Meier Foundation, nearly one of every three students has been bullied during the school year and TeenSafe reports that 87 percent of students have witnessed cyberbullying. The problem with cyber bullying that sets it apart from traditional bullying is that students no longer have a safe haven or refuge to escape the torment. For those who believe that bullying is a victimless crime or that students simply need to toughen up after being victims, perhaps these statistics will shed…Read More

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