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...
Planning for the interruption of business due to catastrophe

Planning for the interruption of business due to catastrophe

What is business interruption insurance?    As we all witnessed on Sept. 11, 2001, catastrophes can happen suddenly. When the property of a business is destroyed, or access to business property is denied, there follow two potential consequences. One, business...

Umbrella Insurance

 Without adequate insurance, one accident might bring down your business.    The fact is, many business owners aren’t adequately protected against a catastrophic claim. One accident with a business vehicle or a slip on company property can result in expensive...