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TOP TEN FACTS ABOUT FLOOD INSURANCE: 1. Everyone lives in a flood zone.  You do not need to live near water to be flooded!  Over 20% of all flood claims to the National Flood Insurance Program come from properties outside of high-risk flood areas! 2. Flood damage is NOT covered by Homeowners Insurance. READ MORE >>

Distracted driving, including talking or talking on cellphones, that take a drivers attention off the road are a major safety threat to anyone on the road.  The National Highway Traffic Safety Administration (NHTSA) gauges distracted driving by collecting data on distraction-affected crashes... READ MORE >>

Business Interruption Insurance: Business interruption insurance is as important to a business as fire insurance. Most business owners consider their fire insurance needs, or if they suffered damage due to a windstorm. READ MORE >>

If you have a small business, check out these statistics: * Forty-three percent of cyberattacks target small businesses. * Only 14% of small businesses consider their cyber defenses to be highly effective. * The average small business data breach costs $86,500 in recovery costs. READ MORE >>

Shopping for your dream house? There are many considerations when looking at real estate, like property taxes, school district, the appeal of the neighborhood—and, of course, the bottom line. Don't overlook the financial implications of homeowners insurance as part of your overall investment. READ MORE >>

Are you taking advantage of all of the discounts available on your car insurance? You may want to call your agent to review what discounts are offered by your car insurance company.  Not all discounts are offered by every company, but here are a list of common ones: READ MORE >>

Technology is vital to conducting business. However, the same technology your business relies on can also leave it vulnerable to costly security threats. Cybercrime is big business and becoming increasingly more sophisticated with advances in technology. READ MORE >>

What type of insurance do you need as a condominium unit-owner?  You will need a homeowners insurance policy form made specifically for condo unit owners, an HO-6.  If you own a unit, but rent it to others, the policy form may change to a DP-6, which is designed for a tenant-occupied condominium unit. READ MORE >>

You may not know that the plumbing and underground wiring that brings water, power, data and communications to your home is your responsibility!  Despite the city or town providing these services, homeowners are responsible for the maintenance and repair costs for these service lines should something go wrong. READ MORE >>

COMPULSORY WORKERS COMPENSATION IN NEW JERSEY: Compulsory means that every employer must have workers compensation insurance!  If you employ even just one part-time worker, you must have workers compensation insurance. Workers compensation insurance covers the cost of medical care and rehabilitation for workers injured on the job. READ MORE >>

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