Workers Comp 101

Workers Comp 101

In this segment we will review the different programs available for Workers Comp coverage. Three of the most popular programs are the pay-as-you-go program, the Up Front Discount Program, and the Dividend Program.   The cost of Workers Comp coverage is pretty...
30 Day Wait for Flood Coverage

30 Day Wait for Flood Coverage

Did you know that there is a 30 Day wait for Flood Coverage in New Jersey? Disaster strikes without warning. An example of this was back in October of 2012 with hurricane Sandy. Hurricane Sandy was so powerful that it is commonly referred to as “Superstorm...
Umbrella Basics and Beyond

Umbrella Basics and Beyond

The Most Unappreciated, Underutilized Policy every American Needs to Have: The Umbrella Policy is not common knowledge, but it should be! Whether it’s a supplement to your personal lines policies (Auto/Homeowners) or Extended coverage for your business, it can...
Cyber Security Insurance – Best Business Practices

Cyber Security Insurance – Best Business Practices

A brief description of Cyber Security Insurance courtesy of PIA (Professional Insurance Agents): Cyber Security Insurance is a catch-all term for policies that can cover hacked computers, virus attacks, denial-of-service attacks, web content liability and other...
Business Property Protection for Winter Weather

Business Property Protection for Winter Weather

Winter storms can bring a whole array of exposures to your buildings and operations. Some regions of the country have experienced record-breaking snowfalls in recent years, which in turn has increased the hazard of roof collapse. All properly built roofs need to be...
Umbrella Basics and Beyond

New Jersey Insurance Policy Discounts and Programs

Are you aware of all the discounts and programs options offered by insurance companies? Part of the value of using an independent insurance agent is we know all of the discounts and programs available to you. A misconception often made is that an independent insurance...