Med Pay? PIP? Dec pages? Insurance terms, explained With all kinds of different coverages for all kinds of different needs, insurance can be very confusing. And to make it even more challenging, at times it probably seems like insurance websites and policy documents are written in a completely foreign language. Of course, that’s why we […]
January 24, 2019
Pollution claims are not covered under General Liability insurance policies. You do not have to be an environmental contractor to be brought in on a pollution claim. Here are some claim examples: Excavation: A contractor accidentally ruptures an underground sewer line, septic or fuel tank and incurs emergency remediation costs to clean up the spill. […]
January 23, 2019
Protection for board members, directors and officers: Directors and Officers (D&O) Liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company. The insurance, which protects the company as […]
January 23, 2019
Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or worse, a fire or some other disaster—also find out too late that they didn’t have enough insurance to replace their jewelry. Here’s […]
January 9, 2019
Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying—they also cost you money in decreased energy efficiency and higher bills. The U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save 5% to 30% on annual energy costs by incorporating technologies […]
December 29, 2018
Nobody really enjoys traveling during the holidays, do they? OK, you might if you’re going on vacation, or you’re visiting family in Hawaii or something. But for everyone else, it’s a slog—whether you’re battling airport crowds the Wednesday before Thanksgiving or fighting through highway traffic on Christmas Eve, getting anywhere can be a massive hassle. […]
December 13, 2018
Millions of Americans will be traveling this holiday season, and if it’s anything like previous years, a lot of that travel will be on the road. Last year, AAA estimated that more than 100 million Americans were planning a trip of more than 50 miles during the holidays—and that was just between Dec. 23 and […]
November 29, 2018
What do i get with an All Inclusive Home Health Care insurance from a NJ business insurance broker? General Liability and Professional Liability protection in one policy. Abuse and Molestation coverage available for nominal cost. Coverage for theft, disappearance or destruction of client’s property. Contingent Medical Professional Liability available for independent physicians, dentists, and other […]
November 29, 2018
Affordable Snow-plowing insurance available in NJ: Attention Snow removal contractors: BEWARE: Most General Liability insurance policies for contractors are now EXCLUDING coverage for claims arising from snow plowing operations. If you are a landscape/lawn company or specialty contractor that does incidental snow plowing in the winter months and do not want to pay an extraordinary […]
November 12, 2018
You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and 52% stay only at places that welcome pets. (For some people, the “welcome” part doesn’t matter: 20% admitted […]
November 8, 2018