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Claims Made Versus Claims Made and Reported Policies

Posted on July 10th, 2018 by admin

It sounds like a subtle difference or a matter of semantics. However, the differences between a “claims made” insurance policy and a “claims made and reported” policy are significant. Most professional liability insurance policies are written in one of these two forms. When you purchase professional liability insurance, you must understand these differences, so you can make an informed decision about which policy is the right choice for you. What is a Claim? The first thing you need to understand is the definition of a claim as it applies to both types of coverage. A “claim” is the official notice…Read More

Steven C. Radespiel Re-elected PIANJ Vice President

Posted on June 11th, 2018 by admin

ATLANTIC CITY, N.J.—Steven C. Radespiel of Hillsdale, N.J., was re-elected vice president of the Professional Insurance Agents of New Jersey today at the association’s annual business meeting at Harrah’s Resort and Casino in Atlantic City. Radespiel is president of Insurance Center of North Jersey in Maywood, N.J. Radespiel is an active member of PIANJ, serving as vice president of the association for 2017-18. He also is vice president of the Legislative/Business Issues Committee and is a member of the Bait & Switch, Executive/Budget & Finance and PIANJ Political Action Committees. He also is a member of the Carrier Advisory Council…Read More

Summer Vacation Checklist: 7 Things To Do Before You Leave For Vacation

Posted on June 6th, 2018 by admin

Taking a vacation this summer can be a great way to relax, explore, and spend time with your friends and family. While you remembered to pack your swimsuit — thanks to your packing checklist, did you use a home vacation checklist — and check it twice? Whether you’re off for a quick weekend getaway or a much-needed two-week trip, it’s essential to ensure your home is adequately prepared and protected. Here, are 7 areas of focus that you need to make sure are appropriately handled before you leave for vacation this summer. 1)  Take Into Account Auto Safety If you’re going…Read More

Prompt Claim Reporting: Why It’s Important to Report Your Claim Quickly

Posted on May 22nd, 2018 by admin

Reluctance to report an insurance claim, whether it’s a homeowner, auto or another type of insurance claim, could hurt you in the end. Prompt claim reporting allows your insurance company to act swiftly. This is good news for you as studies indicate managing claims promptly costs less when all is said and done. In fact, Risk Control Online reports that the sooner claims are managed, the less they cost, indicating a direct relationship between prompt attention and lower costs. Why is it Important to Report Claims Promptly? Claims come in all shapes and sizes. It’s easy to see why reporting…Read More

How to Make Sure Your Contractors are Properly Licensed and Insured

Posted on May 2nd, 2018 by admin

Hiring contractors? One of the most important things you can do to protect your interests and your family’s financial security is to take the necessary steps to ensure you hire fully licensed, bonded, and insured contractors. Why is Hiring Licensed, Bonded and Insured Contractors So Important? Whether it involves contractors, landscapers, painters, or even the guy who comes to clean your pool, proof of insurance is critical when people are working on or around your home. Here’s why. Say you hire XYZ Painting to paint the exterior of your home. The company sends two painters to take care of the…Read More

Home Based Business Insurance: Picking the Right Coverage

Posted on April 19th, 2018 by admin

The idea of ending your daily commute and working from home is attractive to most people. Before you make your decision to bring your business home, though, there are a few essential details, related to insurance; you need to know. Your Homeowners Policy Does Not Protect Your Business It’s true. You need additional coverage to protect your business interests when you work from home. Finding the right protection in a home-based business insurance policy can be tricky. Which is why it is so important to work with a trusted independent insurance agent to make sure you are receiving the right…Read More

Is Renters Insurance Really Worth It?

Posted on April 10th, 2018 by admin

Renters insurance is something many people, especially those who need it most, have never heard of. But, for people who rent, it is essential protection for their financial well-being. Whether you are asking, “Should I get renters insurance?” or not, the answer is simple. You should. Renters insurance offers affordable, essential protection for you and your family. Look at it this way: You’ve moved into your dream apartment and furnished it with beautiful furniture, decorated it to look like a model home, and filled it with your treasured belongings and precious collectibles. The value of all these items can add…Read More

7 Slip & Fall Prevention Tips for Your Commercial Business

Posted on April 3rd, 2018 by admin

Slip and fall injuries can present big problems for large and small businesses. Not only are customers and guests susceptible to slips, trips, and falls on your property, but so are employees. Slips and falls, according to the National Floor Safety Institute, account for more than one million ER visits annually. These injuries aren’t without consequence either. They can result in: Fractures Head Injuries Disability Lost Time at Work Death The bottom line is that slip & fall injuries in the workplace can cost businesses big and preventing these injuries needs to be addressed. These 7 tips can help you…Read More

How to Protect Yourself From Identity Theft

Posted on March 26th, 2018 by admin

According to the Insurance Information Institute, 15.4 million consumers in the U.S. were victims of identity theft in 2017, resulting in 16 billion dollars in theft. Within the last six years, identity thieves have managed to steal more than 107 billion dollars. Even more alarming is that despite greater awareness of identity theft, the number of victims each year is growing. The 15.4 million people affected in 2017 is up substantially from the 13.1 million victims in 2016. How Does Identity Theft Happen? Thieves have many tricks and tactics they use to obtain your personal information and thus your identity….Read More

Workplace Harassment: What’s Comfortable for You May be Uncomfortable for Someone Else

Posted on March 12th, 2018 by admin

Harassment in the workplace is becoming one of the most challenging things for business owners to deal with. One of the reasons for this is the highly subjective nature of it. What may not appear to be harassment to a casual observer, may feel like harassment to the person who is targeted by the actions or comments. Three Types of Harassment in the Workplace You may have heard of one or more types of harassment in the workplace. You may, however, be surprised to learn that there are three types of harassment commonly experienced and/or complained of in the workplace:…Read More

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