Our Blog

Posted on February 21st, 2014 by admin

If you think the rules regarding data breach reporting apply only to major breaches involving 500 or more persons you are wrong!-71% of data breaches happen to small businesses-Small businesses experience 95% of the credit card breaches reported-52% of small business owners say they have no data security policy-Reported data breaches were up 38% in 2011And when sensitive data is exposed- your reputation is on the line! We can help absorb some of the costs associated with a breach:The Cost Of Notification- (i) E-mail and First Class Mail; (ii) Substitute Notices: Media Notice; (iii) Substituted Notices: Toll-Free Number; (iv) Imputed cost to…Read More

Posted on February 18th, 2014 by admin

  Becoming aware of the risk of flooding Is this a hint of changing weather patterns with more to come? Super-storm Sandy holds lessons for us all After the super-storm it was discovered that far too many property owners didn’t have even the most basic flood insurance coverage. Perhaps they thought the risk of flood in their area was low. Maybe they weren’t aware that their homeowner or property insurance policy didn’t cover flood damage. It also seemed that many people weren’t familiar with the cost-effective flood plans available through the National Flood Insurance Program (NFIP). Whatever their reasons for…Read More

Posted on February 14th, 2014 by admin

 The recent winter storm in Atlanta wreaked havoc on traffic and left motorists and vehicles stranded on the city’s highways for days. Many people were forced to stay in their cars overnight, while others abandoned their vehicles to escape the gridlock. The harshness of the winter the country is experiencing emphasizes the importance of making sure that your vehicle is prepared for cold and inclement weather. There are two aspects of vehicle preparedness during the winter months: Maintaining your vehicle to reduce the risk of an accident, breakdown, or other problems; and having the right equipment on hand to solve…Read More

Posted on February 11th, 2014 by admin

Did you lose your health plan to an Exchange Plan? Have your rates gone up? Are you unsure of what health plans are available to you aside from the Exchange Plans? Were any of your healthcare providers dropped from your network? Do you need to shop for new coverage, but don’t have the time? What you need is an insurance broker who can assist you to get the group health coverage you need at a price you can afford. We do just that. All you need to do is complete the attached census form, return it to us with your…Read More

Posted on January 20th, 2014 by admin

Today we celebrate the legacy of a man that led a battle for freedom, equality and justice for all. Dr. King’s leadership and sacrifice helped unite a nation and inspired us all to strive to make America a better place for everyone. Today, let us rededicate ourselves to Dr. King’s legacy by committing to action on this National Day of Service and continue fighting for the values that define this great nation.

Posted on January 13th, 2014 by admin

We wanted to share this interesting article written by Herb Jackson with you! A bill to delay steep increases in federal flood insurance premiums looming for many homeowners in New Jersey has strong bipartisan support and could come up for a vote in the Senate this week, Sen. Bob Menendez said Tuesday.Menendez, a Democrat from North Bergen, stopped short of saying the bill has the 60 votes needed to advance, but said at a Capitol news conference with a dozen other senators he was hoping a big majority would persuade the House to quickly follow suit.A 2012 law known as Biggert-Waters…Read More

Posted on January 10th, 2014 by admin

How many times driving have you had one of those “near misses”? Consider that you are a successful healthcare practitioner and now you are injured be a careless driver who has either minimal or no auto insurance coverage. What’s next?  What do you do? What insurance coverage is available to help you recover economic damages if you’re unable to work because of your injuries? The first thing you should do is call us for a personal umbrella policy that will include coverage for uninsured/underinsured motorist coverage. A $1,000,000 policy for 2 vehicles and 1 home including this important coverage can…Read More

Posted on January 7th, 2014 by admin

Car insurance quotes vs. car insurance rates A car insurance quote is an insurer’s best estimate of your final premium, and it’s based largely on the information you provide. The 2 main causes of a rate increase between quote and purchase are missing and newly discovered information (like unreported accidents or moving violations). When it’s time to determine your actual car insurance rate (after giving you a quote), insurance companies typically access your MVR (Motor Vehicle Report) and CLUE (Comprehensive Loss Underwriting Exchange) reports, among other things. These reports contain info on your driving history and your claims history. If…Read More

Posted on December 20th, 2013 by admin

Our gift to you this year is the gift of preparedness!It is a busy time of year full of shopping, home-cooked meals and traveling to visit loved ones. We’ve taken a deep look into what helps make all of the season’s festivities run smoothly so you can enjoy these wonderful moments.-Watch your wallet and purse -Monitor your mail -Keep a careful eye on your credit -Keep your Social Security number safeWe want you to enjoy a holiday season that’s full of joy and comfort while you’re at home, work or on the road.Happy Holidays!

Posted on November 26th, 2013 by admin

Have you thought about the risk of frozen pipes this winter? Water damage can be one of the most damaging problems a homeowner can face. When a pipe bursts, damage can happen very quickly and will worsen until the problem is isolated.  This damage includes water flow into the ceilings and walls of a structure.  Unfortunately, it might not be detected as quickly as other water problems and therefore, the damage has a chance to spread.The good news is that most home insurance companies will cover damage resulting from a frozen pipe provided you can prove that you took measures…Read More