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Posted on February 6th, 2013 by admin

WORKERS COMPENSATION BENEFITS income, medical, rehabilitation, death, and survivor payments to workers injured on the job.  State workers compensation laws, which date from early in the twentieth century. Provide that employers take responsibility for on the-job injuries.  Each state defines the benefit level for employers in that state.  Although these benefits were designated to be the final obligation of an employer to his employees, there have been considerable erosions of this concept since the early 1970s; workers have been allowed by the courts to sue employers for various on-the-job injuries in addition to workers compensation benefits.  Because workers compensation benefits…Read More

Posted on February 5th, 2013 by admin

  in Mississippi. As reported in the Washington Post, the presidential hunting party. trailed and lassoed a lean, black bear, then tied it to a tree. The president was summoned, but when he arrived on the scene he refused to shoot the tied and exhausted bear, considering it to be unsportsmanlike. The following day, November 16, Clifford Barryman, Washington Post editorial cartoonist, immortalized the incident as part of a front-page cartoon montage. Barryman pictured Roosevelt, his gun before him with the butt resting on the ground and his back to the animal, gesturing his refusal to take the trophy shot….Read More

Posted on February 5th, 2013 by admin

You’ve spent time, energy, and money on picking out the perfect Valentine’s Day surprise. If your Valentine’s Day bling is worth more than the limit included on your home or renters policy, which it probably is, it’s worth insuring and we can help. A floater is a type of insurance that people purchase to cover specific items that aren’t normally covered under their standard homeowner’s insurance (or other type of insurance) policy. It is known as a floater because it tends to cover items that are easily moveable or transportable, which makes the item more likely to become damaged or stolen than…Read More

Posted on January 31st, 2013 by admin

In 2005, Maureen Bommer of Midland Park was fighting the insurance system for her daughter Julia, who suffered from Cerebral Palsy and a rare kidney disorder. Medicaid had cut Julia’s in-home nursing hours by 30%, and Maureen was unable to get help from other sources to pay for the services. The gap would surely be a drain on the family finances. In that moment, Maureen realized there were other families facing the same tough situations, and never one to run from a fight, she vowed to take up their collective cause. Shortly after that battle began, Julia took a turn…Read More

Posted on January 29th, 2013 by admin

My pipes froze and burst, damaging my home.  Do I have coverage?Most homeowner’s insurance policies, except for the very basic ones, cover damage to the home resulting from broken pipes due to freezing.  For example, your insurance  company will pay to clean or pay the cost  to replace the carpet, furniture and other  property that has been damaged due to the  water from the bursting pipes (less your deductible).For those with renters insurance, damage to your personal property from the water due to the burst pipes would be covered. If the damage is so extensive that you can’t stay in…Read More

Posted on January 28th, 2013 by admin

Patrick Harvey from the Progressive Insurance Company visited the Insurance Center’s office in Hackensack today to discuss Progressive’s Snapshot insurance discount program.  Snapshot offer a maximum  auto insurance premium reduction of 30%.  Mr. Harvey then challenged the personal insurance staff to try  Progressive’s Snapshot to see if they’d reduce their auto insurance costs.  Snapshot is small mile-based gadget that not only tracks how many miles your drive but how you are driving!  The device plugs easily into your car’s diagnostic port .   Our agents are plugging this device into their OEM on their personal cars – all at the same time.  Every…Read More

Posted on January 22nd, 2013 by admin

Prior to and during widespread power outages caused by Superstorm Sandy, many New Jersians became first-time owners of generators.  Many new owners may not realize that taking care of your generator when you’re done using it is just as important as the care and precautions taken while the generator is in use. Here are some helpful tips for storing your generator and unused gasoline to keep you safe and ensure your generator will be ready to go when you need it next. Tip # 1 It is recommended to store your generator without gasoline.  If you do not wish to…Read More

Posted on January 21st, 2013 by admin

According to various studies on American  divorce rates, more than 40 percent of marriages end in divorce or annulments. If you and your spouse are going through a similar circumstance, we would like to share with you some commonly asked questions that will assist you in dealing with your homeowners and auto insurance policies. My spouse has left the household and we are getting a divorce. What happens to the coverage on our homeowners and auto policies? Auto If someone moves out, the appropriate coverages will not remain in place. With the auto policy, there will be new garaging information,…Read More

Posted on January 7th, 2013 by admin

The New Jersey automobile insurance marketplace continues to be in a constant state of change. Each passing administration made changes to the insurance regulatory system in hopes of stabilizing premium costs. These changes included introducing tort thresholds; promoting fraud reduction; increasing rate factors for “bad” drivers; and legislating outright rate rollbacks. The conditions of the insurance market have made acquiring car insurance extremely diffi  cult for some motorists. And, of those that do have insurance, many feel there is little they can do to decrease their premiums. However, there are a few precautions that can be taken to allow people…Read More

Posted on January 4th, 2013 by admin

Here is why: We started sending Newsletters in which we packed news, advice, and even discounts. We’ve been actively connecting via Facebook, Twitter and Linkedin. We started this resourceful blog! We relaunched our website, making it much more user friendly. And we didn’t stop there! As a local broker, we wanted to find some ways to be more involved with the community. We understand not everybody has the money or time to donate to local charities, and so this Holiday season, we came up with two plans. Together we were able to raise money for Englewood’s Center of Food Action…Read More