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Posted on March 5th, 2013 by admin

 Here, the agents come to YOU. Using our free car insurance tool you will get multiple auto insurance quotes tailored to you within minutes of filling out our simple short form. You can then compare them side by side to find the best prices and coverage before making your choice on an auto insurance policy. http://www.quoteyourowninsurance.com/

Posted on March 4th, 2013 by admin

Your feedback really matters. It’s how we know we’re making your experience with us the best it could be.  So please tell us what’s working, or if there’s anything at all we could be doing better.  Don’t worry, we’ll take it personally.  

Posted on February 28th, 2013 by admin

Sure, trampolines are fun.  And  a great  way for your child to exercise. But before you turn the kids loose, it’s important to understand that trampolines may not play well with your homeowner’s insurance policy because of safety issues. If you own, or plan on owning, a trampoline, contact us so we can look into your  insurance company’s trampoline-specific policies, and also any state-specific exceptions that may impact your insurance.  It’s the best way to figure out how your trampoline can affect you. The fun that comes with a trampoline can also be accompanied by serious risks-hence the possibility of…Read More

Posted on February 26th, 2013 by admin

As we celebrate yet another birthday in our office, we kicked the cake recipe up a notch!

Posted on February 20th, 2013 by admin

Carbon monoxide is an odorless, colorless and toxic gas. CO gases are created when heating elements that use natural gas, propane, wood, or oil (i.e. gas-fired appliances, charcoal grills, wood-burning furnaces or fireplaces, and motor vehicles) do not completely burn off their fuels. Because it is impossible to see, taste or smell the toxic fumes, CO can kill you before you are aware it is in your home. At lower levels of exposure, CO causes mild effects that are often mistaken for the flu. These symptoms include headaches, dizziness, disorientation, nausea and fatigue. The effects of CO exposure can vary…Read More

Posted on February 19th, 2013 by admin

This past week, in honor of Valentine’s Day, ICNJ donated 20 teddy bears to sick children residing in Hackensack Hospital!  

Posted on February 13th, 2013 by admin

Many people assume that if they are working from home, their homeowner’s insurance covers everything. Wrong!  Your homeowner’s policy is just that, a homeowner’s policy.  Even if you operate a basket or craft business from your home, your homeowner’s will cover minimal if any losses to business assets.  In this economy, more people then are starting home businesses looking to generate additional income. Once you have a small business in operation, even before making your first sale, you have greatly increased your risk.  Suppose you are starting a home based business and have inventory stored in basement, garage, or additional room…Read More

Posted on February 12th, 2013 by admin

Posted on February 8th, 2013 by admin

Winter Weather Checklists Extreme Cold – A Prevention Guide to Promote Your Personal Health and Safety Stock up on emergency supplies for communication, food, safety, heating, and car in case a storm hits. Communication Checklist Make sure you have at least one of the following in case there is a power failure: Battery-powered radio (for listening to local emergency instructions). Have extra batteries. National Oceanic and Atmospheric Administration (NOAA) weather radio receiver (for listening to National Weather Service broadcasts). Learn more about NOAA Weather Radio Find out how your community warns the public about severe weather: Siren Radio Television Listen…Read More

Posted on February 7th, 2013 by admin

How does the workers’ compensation law treat sole proprietors, partners and LLC members? Sole proprietors and partners have always been considered employers, not employees; and, prior to April 13, 2000, did not have the option to obtain workers’ compensation coverage. However, prior to April 13, 2000, members were treated as employees of a limited liability company and workers’ compensation coverage was mandatory for them. h is was because the New Jersey Compensation Rating and Inspection Bureau viewed LLC members as analogous to executive offi  cers of a corporation. Chapter 383, P.L. of 1999, not only gave sole proprietors and partners…Read More