Clean dumbells at a gym

Gym Insurance & Tips to Protect Your Business

For any fitness facility owners, having specific gym insurance is a must. When it is specific to gyms, rather than just for a business, it will cover…

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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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Tropical Storm Isaias: Reporting Property Damage

Today, many of you were hit by Tropical Storm Isaias, and some of you have been left without power and potential property damage. If you’ve…

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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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The Soden Agency is Now an NJM Premier Agent

Relationship Gives Access to Nationally Recognized Mid-Atlantic Carrier’s Business Insurance Products and Services July 20th, 2020 – The Oliver L.E.…

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HVAC Insurance: What Home & Business Owners Need to Know

Most homeowner policies will have some coverage for heating, ventilation, and air condition units. If they are damaged in a fire, for example, they…

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Happy Family of four lying down on grass at their new home

Your Complete Guide to Homeowners Insurance in NJ

Homeowners insurance in NJ is one of the most important types of personal insurance that you can have. Whether you have a home in the suburbs, a…

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COVID-19 Return To Work Resources Bundle

As states begin to loosen restrictions and many businesses and individuals are getting back to work, or are at least planning to do so in the coming…

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NJ Department of Insurance Mandates Premium Relief

While there have been many insurance carriers providing relief voluntarily, particularly for personal auto insurance, there had not been any official…

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Please Join Us: Essential Considerations for Returning to Work | Wednesday, May 13, 2020

Recently, Governor Murphy sketched out the benchmarks New Jersey will have to reach before the COVID-19 lockdown can be lifted. The stay at home…

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A Guide to the Different Types of Insurances

Insurance only works if you have the right policies in place - before disaster strikes. However, with so many types of insurance, it can get…

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Here is How Insurance Can Simplify Your Life in the Long Run

Insurance benefits individuals, businesses and organizations in more ways than one. No matter what type of insurance plan you have, the goal is to…

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Navigating the CARES Act and the SBA Loan Options

  Co-sponsored by Oliver L.E. Soden Agency, Powell & Roman, LLC and Prager Metis CPAs, the webinar is an informational session for all…

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COVID-19 Reference Documents

Here you will find reference documents, information and newsletters we have been distributing to clients to keep them up to date regarding the…

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Will Business Interruption Insurance Cover Coronavirus (COVID-19)?

As with any possible cause of loss, the answer definitely depends on the specific policy language in your policy. Before I get into this though, the…

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Protecting Your Employees from Coronavirus (COVID-19)?

I have been fielding quite a few questions from clients regarding their concerns about the Coronavirus / COVID-19 over the past couple weeks, and I…

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How to Navigate through Business Insurance Policies

Purchasing and managing business insurance in NJ is a big job. As a business owner, you’re responsible for understanding your risk and the coverages…

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What is Builders Risk Insurance

Builders risk insurance protects the building during its construction. This insurance is important to have because damages and losses can occur from…

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How Can Cyber Liability Insurance Help Me

Cyber liability insurance helps businesses and organizations cover financial losses that result from data breaches and other cyber issues. This…

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How to Budget Effectively When Dealing with Insurance Costs

Insurance is a big part of your financial life. Each month, you may have to pay premiums for home insurance, auto insurance, life insurance, renters…

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risk-management

Beyond Insurance: How to Protect Your Business with Risk Management

Business insurance in NJ is just one solution among many when it comes to managing your total cost of risk. It’s also usually the most expensive…

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Flood Insurance

What You Need to Know About Flood Insurance

Flood zones are everywhere - not just along the coastline. In fact, 41 million Americans live in a high risk, or “Special Hazard” flood zones.  Don’t…

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Follow these Steps to Get a Free Insurance Quote

Insurance quotes can help you decide which carrier and coverage level is best. The best part is, they’re free! To get a good deal on car insurance,…

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How Fleet Insurance Will Save You a Lot of Money

If your business relies on transporting people, goods and/or equipment, you must efficiently insure your vehicles and keep them in good working…

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General Liability Insurance: What You Need to Know

As a small business owner, there are several types of insurance to consider. Some types are optional and others are mandatory, so it’s important to…

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How to Stay Informed About Insurance Expenses

People often complain about their insurance costs increasing from year to year, but there are ways to stay informed and prevent sticker shock. It all…

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How to Choose the Right Insurance Policy for Your Family

No family is indestructible. If you have a family that depends on you, the best way to protect them is with the right insurance coverage. With so…

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6 Signs That it May Be Time to Change Your Insurance Plan

It can be hard to determine if you should renew your insurance policy or shop around for a better one. Shopping around can help to ensure that you…

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Adding A Teenager To Your Auto Insurance Policy in NJ

Are you adding a teenager to your New Jersey auto insurance policy? This is probably an exciting time for your child, but it might be confusing for…

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Top 4 Most Important Insurance Policies For Millennials

Today’s millennials are in their 20s and 30s - young and healthy. Does this mean that you can skimp on insurance? Not exactly. Insurance is necessary…

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The Right Time To Purchase Life Insurance

Life insurance pays out a lump sum of money to loved ones when you die. With this money, your family can live the same quality of life, even if you…

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What To Know When Buying Business Insurance in NJ

Business insurance helps companies in New Jersey protect their financial assets. Without this coverage, you would have to pay out-of-pocket for any…

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How To Get The Most Out Of Your Insurance Company

Insurance premiums continue to rise, so it pays to be a savvy consumer. Too often, people pay for coverage and let it go to waste; this is like…

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Does Your Business Auto Policy Qualify for Fleet Insurance Discount?

One of the most exciting parts of being a business owner is watching the fruits of your labor grow. What some people don’t realize, however, is that…

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How To Compare Auto Insurance Rates in NJ

Once you obtain auto insurance quotes from several carriers, it’s time to compare the numbers. You can’t make a comparison based on price only, so…

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The Truth About Applying For Insurance With Health Conditions

If you have a health condition and plan to apply for health insurance, you are not alone. Many Americans have health-related problems that insurance…

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The Surprising Benefits of General Liability Insurance

A general liability policy is a smart way to protect your business. Most businesses have this type of insurance because it signifies legitimacy and…

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Signs You Are Overpaying For Auto Insurance

Are you worried that you’re overpaying for auto insurance? In many instances, people don’t start off paying more but end up getting there over time.…

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Mortgage Companies Must Accept Private Flood Insurance Effective July 1

This article may confuse you if you are one of our clients who already has a private flood insurance policy. We have been writing private flood…

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WASHINGTON – Lenders will be forced to accept private flood insurance

WASHINGTON - Lenders will be forced to accept private flood insurance to satisfy coverage requirements for federally backed mortgages under a new…

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We were named 2018 Agency of the Year by New Jersey Agents Alliance!

The Soden Insurance Agency is proud to announce that we were named the 2018 Insurance Agency of the Year!  The New Jersey Agents Alliance gives…

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What To Do If You Are Denied Life Insurance

Have you been denied life insurance? It can be tough to learn that the insurance company you applied at isn’t willing to give you life insurance, but…

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Tips For Preventing Insurance Fraud

Credit card fraud is something that consumers watch out for, but many do not consider the dangers of insurance fraud. Though insurance fraud…

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FLOOD INSURANCE UPDATE EDIT: FEMA Reverses Shutdown Decision

EDIT: December 28, 2019 - 8:45 PM Only hours after posting the article below FEMA has reversed their decision and is now allowing the flood program…

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Construction Insurance & Contractor’s Insurance Rundown

If you work in the construction industry, you already know that construction insurance is required for most projects. Construction insurance provides…

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Types Of Insurance Every Small Business Should Buy in NJ

If you own a small business, you need business insurance. In New Jersey, a small business is defined as having less than 500 employees. That’s a lot…

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Common Auto Insurance Myths Debunked

Auto insurance is complicated. There are different coverage types, and each state has its own requirements. There was a time when we could give…

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Why Umbrella Insurance May Be A Great Idea For You

When you don’t have enough coverage for your home or vehicle, your insurance agent may suggest umbrella insurance. Umbrella insurance extends your…

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Employment Practices Liability Insurance

Is your insurance program keeping up with the times?  Issues involving sexual harassment and discrimination are all over the news, but do you know…

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Why To Consider Life Insurance If You Are Single

Life insurance is something that many young people don’t think about, especially if they are single. However, life insurance is important at almost…

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4 Potential Consequences Of Being Uninsured in NJ

When you buy insurance for your home, vehicle, or health, you’re taking steps to manage risk. Each month, you pay a premium. In return, your…

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How Life Insurance Can Improve Retirement in NJ

Most people think that life insurance only provides benefits to loved ones if they die. While life insurance will provide financial stability to your…

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Do You Need Cyber Liability Insurance?

Cyberattacks are scary occurrences that no business wants to be a part of. Unfortunately, they happen. There are a number of tools and resources…

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