The Importance of Contractual Risk Transfer in Contractor/Subcontractor Relationships
In the construction industry, managing risk is crucial for the success and sustainability of any project. Contractual risk transfer is a vital…
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What Are Group Captives?
Group captives are a form of captive insurance where multiple organizations from similar industries form a single insurance entity. Unlike…
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NJ Mandates $1.5M Liability Coverage for Commercial Vehicles
In a significant move towards enhancing road safety and financial protection, New Jersey has enacted a new regulation that mandates higher liability…
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4 Potential Consequences Of Being Uninsured in NJ
Being uninsured in New Jersey, as in many other states, can lead to significant financial, health, and social consequences. While health insurance…
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What is Group Captive Insurance?
Insurance is a critical aspect of risk management for businesses across industries. While traditional insurance policies offer protection against…
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The Legal Leash: Understanding Pet Owner Liability
As beloved members of our families, pets bring joy, companionship, and unconditional love into our lives. However, the joys of pet ownership come…
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Understanding the Corporate Transparency Act
The implementation of the Corporate Transparency Act (CTA), effective on January 1, 2024, signifies a pivotal change for businesses. This legislation…
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When Should You Ask for a Certificate of Insurance?
Risk management plays a crucial role in safeguarding assets and financial stability in business and personal transactions. One key tool in this arena…
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The Best Way to Handle Neighbor Disputes and Liabilities
Residing near others in a community setting inherently brings the potential for disputes, which can span a wide array of issues, from noise…
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Environmental Compliance: Understanding the Liabilities for Small Businesses
Environmental compliance is critical for small businesses, transcending industry boundaries and impacting operations at every level. It…
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The Hidden Risks and Liabilities of Owning Waterfront Property
Owning a waterfront property is a dream for many, conjuring images of serene waterscapes, leisurely days spent by the shore, and the promise of a…
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5 Reasons to Invest in Janitorial Liability Insurance for Your Business
While your business may focus on wiping, mopping, and dusting, liabilities still lurk in the darker and dustier places of the industry. Protecting…
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Pickleball Insurance Tips for Businesses in 2023
Pickleball is a rapidly growing sport that has captured the hearts of many players and enthusiasts worldwide. With its increasing popularity,…
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Excess Liability vs. Umbrella Insurance: What Are the Differences?
Want to know what rainy days, beach outings, and insurance have in common? They're all better with an umbrella. Both umbrella insurance and excess…
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Unpacking the Benefits of Business Insurance for Startups
Within the first year of a business operating, about 1 in 5 startups will fail. However, this doesn't have to be your business. You can do a few…
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Your Guide to Bus Insurance
Did you know that school buses alone are responsible for tens of thousands of injuries yearly? For reasons like this, bus insurance is a common form…
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What Is Non-Profit Insurance and Do You Need It?
Studies suggest non-profit companies can file around twice as many of some types of insurance claims as other companies. The unique position…
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Securing Excess Bank Deposits Beyond FDIC Limits: A Comprehensive Guide
Are you concerned about the safety of your bank deposits in the event of a bank failure? Bank failures became more frequent after the 2008 financial…
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How to Find the Right Insurance Specialist in Shrewsbury, NJ
The average American pays $1,202 for full coverage car insurance and an average of $1,015 for a homeowners insurance annual premium. The truth is…
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7 Homeowners Insurance Buying Mistakes and How to Avoid Them
When it comes time to buying insurance for your home, you want to know your options. You need to know what your best bet is for a homeowners…
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8 Signs You Need to Update Your Business Insurance Policy
Is your business behind on updating its insurance policy? If so, failing to update your insurance may jeopardize you. The value and scale of your…
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What Business Insurance Policies Do General Contractors Need?
Wondering if you should invest in business insurance? Any company that employs staff needs business or commercial insurance. It's important to…
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A Complete Guide to Marine Insurance
The unfortunate truth is that anything can happen at sea. For instance, the ship carrying your cargo could collide with another vessel or a ship can…
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How Experience Modification Rate Impacts Workers’ Comp Premiums
Employers spent $100.2 billion on worker's compensation insurance in 2019. This is a staggering number on its own. But the fact that a single number…
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How to Get the Most Out of Your Fleet Insurance
When you own a fleet of trucks, you have the responsibility of moving goods safely and the responsibility of putting safe drivers and trucks on the…
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Employment Practices Liability Insurance and the Employment Process
How do you protect your company when the threat is from the inside? So many steps in the employment process can go wrong. Without liability…
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What Does Homeowners Insurance Cover?
Homeowners insurance can be a daunting subject. What does it cover? What does it not cover? You certainly don’t want to assume anything about your…
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Types of Insurance A Fitness Center Will Need
Believe it or not, recent years have seen a 35% increase in gym injuries. If you own or manage a fitness center, it's critical to have all the…
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Top 5 Mistakes People Make When Buying Homeowners Insurance
In 2021, 5.1% of insured homes had to put in a claim. With that number being 1 in 20, that makes it likely that you may have to put in one too. That…
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Does General Liability Include Product Recall Insurance?
Your business invests tons of time and resources into crafting the perfect products. These products aim to meet a need in your customers' lives, both…
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What Is Considered an “Act of God” in Insurance?
A lot of images come up when we hear the phrase "act of God." Also, depending on who you ask, personal explanations of the phrase can differ a great…
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8 Business Insurance Shopping Mistakes and How to Avoid Them
In the United States, about 75% of businesses are underinsured. Whether you are a new business owner or an established company, it is important that…
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How to Choose a Business Insurance Provider
40% of small businesses are likely to experience a property or general liability insurance claim within the next decade. When your business is the…
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Protecting Customers’ Personal Property: All About Bailee Insurance
Did you know that 11% of loads arriving at a distribution center have some level of damage? If you are transporting valuable property like artwork or…
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Employment Practices Liability Insurance: A Complete Guide
Studies show that almost 1 in 18 women, and 1 in 40 men, have experienced sexual harassment in the workplace. So when the Me Too movement globally…
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How To Insure Your New Business: A Quick Guide
Businesses face financial risks every day, and having the right insurance could save you significantly if the unexpected happens. With 40% of small…
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Does Home Insurance Cover Mold Damage?
Mold is a series of fungi that grow in damp places. Mold often smells terrible and comes with an abundance of health complications. Sneezing, runny…
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Buying a Tesla? What to Consider in Your Insurance
Tesla is continuing to make waves in the auto industry at unprecedented levels. In 2020, there were over 200,000 new Teslas registered, and that…
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Is It Possible To Take Out Cryptocurrency Insurance?
Earlier in 2021, there were 106 million people who had invested in cryptocurrency. This number has been steadily increasing since Bitcoin first made…
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Commercial Property Insurance: How to Get the Right Coverage for Your Building
Most small business owners buy insurance with the hope that they'll never use it. That's why so many business owners are surprised by how much their…
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Insuring Your Rolex: How to Buy Personal Property Insurance
Gaining the finer things always takes a little extra effort, but it has never been this difficult to buy a Rolex. As prices and demand soar, it's…
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7 Secrets for Getting a Lower Auto Insurance Rate
The average cost of vehicle insurance in the US stands at around $1,592 per year. For many, this is a staggering figure and can easily cut into your…
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All About the Different Types of Business Insurance
In 2018 alone, US businesses paid about $343 billion in lawsuits, $182 billion of which was shouldered by small businesses. The US tort system costs…
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Liability Insurance Defined and Explained
If you run a business, chances are you've heard people tell you that you need business insurance policies. They are probably right! When you operate…
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A Beginner’s Guide to Buying Homeowners Insurance
Approximately 64% of homeowners do not have adequate coverage and the worse part is that their houses are often underfunded by 27%. So, what does…
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The Importance of EPLI Insurance
Businesses are facing unprecedented employment-related risks. Can employers require the COVID-19 vaccine? If your business can't bring all employees…
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5 Things to Know About Flood Insurance
Whether it's a shallow pool of standing water in your basement or something much more serious, a flood can have a serious impact on your home. If you…
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Why Are Construction Costs Rising?
The sticker shock is real! If you're a potential homeowner or a builder, be prepared for prices that are figuratively through the roof. But what is…
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Home Insurance: Why Is It Important To Review Annually?
How often do you review your home insurance? Most homeowners buy insurance when they first buy the house, but they do not see the importance of…
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Get Multiple Quick and Easy Cyber Insurance Quotes Instantly
In 2021, most businesses don’t need to be pressed too hard to realize they need cyber insurance or technology errors & omissions insurance, also…
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The Importance of Surety Bonds in the Construction Industry
Construction is a risky business, especially with large multi-year projects. Economic downturns and material shortages can bring down a contractor,…
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5 Prevalent Workers’ Compensation Insurance Trends for 2021
The effects of the COVID-19 pandemic severely affected the US economy, and it's currently in recovery mode. Various industries are also feeling the…
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7 Factors to Consider When Choosing Insurance for Businesses
The Great Fire of London caused so much damage to property and businesses that an idea was born. That idea will save your business today. Insurance.…
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7 Common Risk Management Mistakes and How to Avoid Them
Risk management is a big factor in business to prevent failures in projects. As a business, you need a strategy that allows rapid growth and…
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The Small Business Owner’s Guide to Plumber Insurance
On average, every person in the US uses 100 gallons of water a day, and ensuring this passes safely through our homes and workplaces is vital.…
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Flood Zone and Flood Insurance Myths, Debunked
Floods pose an immense danger to both people and property no matter what the situation is. This is not only evident in low-lying areas where you have…
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Finding an Insurance Agency in Middlesex County, NJ
Just about everyone needs some kind of insurance. This may be because it’s the law or just because it’s a sensible precaution. Finding just the right…
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The Importance of the Right Landscaping Insurance in NJ
When running a landscaping business, you are likely all too aware of the many variables and complexities in job type and job location you will come…
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Do I Need Insurance for My Commercial Fleet?
Logistics are essential for any company to operate well. From the logistics used by our suppliers to provide us with vital goods and services, to the…
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How to Find the Right Insurance for HVAC Contractors
As a heating, ventilation, and air conditioning (HVAC) contractor, you will be experienced in the maintenance and installation of boilers, heat…
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