Our Blog

Posted on April 19th, 2019 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

Posted on March 26th, 2019 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

Posted on March 12th, 2019 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

Posted on January 31st, 2019 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

Posted on October 8th, 2018 by admin

In 2023, there were 470,000 structure fires, resulting in 3,070 deaths, according to the NFPA. The estimated property loss resulting from these fires was more than $14.74 billion. As winter approaches and homeowners prepare to light their first fires of the season, ensuring your chimney’s safety should be a top priority. Chimney fires are a leading cause of preventable home fires, putting both properties and lives at risk. This guide will help you understand the risks, recognize the warning signs, and take essential steps to protect your home and family. The Hidden Dangers of Chimney Fires Chimney fires often begin…Read More

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; andyour relative; andenrolled in school full time, as defined by the school; andwho 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 be covered for…Read More

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

Posted on July 18th, 2018 by admin

According to various studies on American divorce rates, more than 40 percent of marriages end in divorce or annulments. If you and your spouse are going through a similar circumstance, we would like to share with you some commonly asked questions that will assist you in dealing with your homeowners and auto insurance policies. My spouse has left the household and we are getting a divorce. What happens to the coverage on our homeowners and auto policies? Auto If someone moves out, the appropriate coverages will not remain in place. With the auto policy, there will be new garaging information,…Read More

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

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