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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 save...

Good Driving Habits Start Early

Good Driving Habits Start Early

Driver Safety 101 Young Drivers: It has been reported that teenage drivers have the highest crash rate of all age groups on the road today. Along with the highest crash rate, drivers in their teens to mid twenties also have the highest fatality rate. Here's a few...

Economical and Green Home Security Tips

Economical and Green Home Security Tips

Save money, Save the planet: Creating a lived in look, while saving on expenses can be tricky. You want to deter potential burglars but don't want to leave the lights on or the radio blasting full time. Here are just a few ideas to give you piece of mind so you 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...

Flood Facts you need to know. When to Buy? NOW!

Flood Facts you need to know. When to Buy? NOW!

Fact #1 Everyone Lives in a Flood Zone and everyone needs flood insurance. Most have personally witnessed family and friends who were caught completely unaware by a flood. They suffered terrible losses to their dwellings and personal property, due to lack of flood...

Preparing and Adjusting to Life Changes

Preparing and Adjusting to Life Changes

We all go through a lot of changes in our lives; some big, some small. Whenever our life changes our insurance needs can and usually do change with it. For most, getting married is one of the first major changes that affect our insurance needs. Adjusting from being on...

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...

Engagement Ring and Other Jewelry Insurance

Engagement Ring and Other Jewelry Insurance

Whether your getting engaged or you're already engaged, there's nothing more important than protecting your investment. It's not the first thing that comes to mind and rightfully so. You are excited, nervous, planning for the right moment.... Let us first say...

New Jersey Insurance Policy Discounts and Programs

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...

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