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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 >>

The Dos And Don’ts of New Year’s Eve These are not all insurance related tips, and most are just common sense.  But this New Years Eve, be safe! It is estimated that about 40% of all fatal crashes on New Years involved a drunk driver. Educate yourself before something happens. READ MORE >>

We are often asked:  Can I get Accident Forgiveness on my car insurance policy?  If I don't have this option, how much will my insurance go up after an accident? The first question is easier to answer:  Yes, many companies offer this. READ MORE >>

Your homeowners insurance policy includes "Personal Liability" Coverage.  Review your policy to see if it includes up to $300,000 or $500,000 of liability coverage.  If you get sued for someone's injuries, your policy will pay to defend you (attorney's fees!) and for a judgment against you up to the policy limit. READ MORE >>

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