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  • Car with cooked turkey strapped to roof.

    Driving this Thanksgiving: Safety Tips That Save Lives

    Safe driving saves lives. If you’re traveling this holiday season, follow these tips to protect yourself and others on the road with you.   Traveling during the holidays brings us closer to family and loved ones, but sometimes, traveling also puts us in harm’s way. According to the National Safety Council, 406 people died in […]

    November 9, 2022

  • Girl with pumpkin cutout mask during Halloween

    The Trick to Having a Safe Halloween

    Boo! Halloween is almost here – Are you ready for a safe, fun holiday? Follow these safety tips for an enjoyable night of tricks and treats. Halloween is approaching quickly! This night of tricks and fun is a fantastic opportunity to decorate your home, have fun with the kids, and enjoy a few spooks on […]

    October 20, 2022

  • Danger Carbon Monoxide

    5 Carbon Monoxide Safety Tips

    Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO also is responsible for more than 400 deaths in America each year, according to the U.S. Centers for Disease Control and Prevention. […]

    September 22, 2022

  • General Liability insurance policies cover contractual responsibilities, including coverage for employees

    Do General Liability insurance policies cover contractual responsibilities, including coverage for your injured employees, as with an “action over” claim? The answer is “Maybe.” Action Over claims can result in significant and unexpected liability for business owners and these claims may not be covered by the employer’s Commercial General Liability policy.  Action-over claims often originate […]

    September 19, 2022

  • man in new car

    Insurance Coverage for Your New Car

    Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off your list: the right car insurance. While some auto coverage options are essential whatever the age of your car, new vehicles […]

    August 15, 2022

  • Pollution General Liability Insurance NJ

    Are pollution and clean-up costs covered under General Liability insurance? The answer is most likely “NO.”  Over the years insurance companies have used more restrictive language in their policies to preclude any claim regarding pollution and today most General Liability insurance policies contain an “ABSOLUTE POLLUTION” exclusion, which means there is no coverage for  pollution […]

    August 2, 2022

  • Subcontractor General Liability Insurance NJ

    Are you responsible for work performed by your subcontractors?  Are your assets on the line when you use subcontractors to perform a part (or all) of your work? Contractors and many other types of businesses hire other contractors to perform part or all of their work; this is “business as usual” for a contractor and […]

    August 2, 2022

  • Travel map

    What is Travel Protection Insurance and Do I Need It?

    Travel insurance can minimize the financial risks associated with traveling. From accidents to illness to lost luggage, travel insurance has you covered. Vacations are usually an exciting time, filled with anticipation and activity planning. What travelers seldom plan for, however, are events that are a little less sun-and-fun and a little more doom-and-gloom.  Interruptions, cancellations, […]

    July 11, 2022

  • Teens at prom

    It’s Prom Season! 4 Tips to Keep Your Teen Safe

    Corsages, limousines, too much cologne, and a million and one selfies. That’s right, it’s prom season again! Learn how to keep your teen safe on this milestone night. Prom — a time of exhilaration and celebration for teens eager to get out and enjoy themselves, but a nerve-wracking test of trust for even the most […]

    June 13, 2022

  • Skin cancer awareness

    4 Ways to Lower Your Skin Cancer Risk

    May is Skin Cancer Awareness Month. Here are 4 ways you can help to lower your risk of skin cancer while enjoying the sun safely. Warm spring weather is the perfect antidote to the cabin fever that winter often inspires, especially the idea of getting some sun on your face. Though getting some fresh air […]

    May 9, 2022