Our Blog

Posted on September 22nd, 2019 by admin

Hurricane season is here. That means that New Jersey home and business owners must keep a wary eye on the waters of the Atlantic and storms that may be making their way across the ocean or up the coastline. It’s important to take steps now, so that when the storms are knocking on your door, you can feel confident that you’ve taken every possible precaution to ensure that your home, family, and your property are as safe and secure as possible. 1) Protect Your Family Before storms are even on the horizon, you should have an emergency bag packed for…Read More

Posted on September 3rd, 2019 by admin

Slip and fall injuries can present big problems for large and small businesses. Not only are customers and guests susceptible to slips, trips, and falls on your property, but so are employees. Slips and falls, according to the National Floor Safety Institute, account for more than one million ER visits annually. These injuries aren’t without consequence either. They can result in: FracturesHead InjuriesDisabilityLost Time at WorkDeath The bottom line is that slip & fall injuries in the workplace can cost businesses big and preventing these injuries needs to be addressed. These 7 tips can help you reduce the risk of…Read More

Posted on September 3rd, 2019 by admin

Our friends at The Hanover Insurance Group put together this excellent infographic containing tips on what to do before a hurricane hits, during the storm and after the storm passes. Please take a few moments to review the tips and keep your family protected this upcoming hurricane season: If you are a business owner, please download this guide from Hanover: Hurricane Preparedness for Business Please contact us at info@icnj.com or call us at 201-525-1100 if you have any questions regarding hurricane insurance coverage.

Posted on September 2nd, 2019 by admin

Volunteering is something millions of Americans do. We are a nation of people who give. We encourage our children to volunteer and want to set a good example by volunteering our own time and talents to help others who are less fortunate in life or have unexpected needs along the way. It is good and noble to want to volunteer and help others. Unfortunately, in the litigious world, we live in, volunteering your time and talents can put you on the hot seat when people do not get the results they want from your altruistic gestures. Some of the places…Read More

Posted on June 18th, 2019 by admin

Landlords have many rules and regulations to follow when approving or denying residency to potential residents and the fair treatment of all tenants. Sometimes, though, it’s difficult to see through the noise of all the discrimination complaints to understand what actually qualifies as discriminatory acts. The Federal Fair Housing Act, passed in 1968 and the subsequent Fair Housing Act Amendments Act passed in 1988, identify protected categories against which landlords cannot discriminate. They include: Race or colorReligionNational originFamilial statusAgeDisabilityHandicapGender Specifically, landlords are prohibited from advertising or making statements indicating preferences based on race, religion, or any other protected category. It…Read More

Posted on May 28th, 2019 by admin

Our communities are more well-equipped and better prepared today than ever before due in large part to our consistent building practices. But the work to improve building safety isn’t over. The International Code Council is the trusted source for codes and standards related to building safety. Building owners and managers should review the ICC’s standards to protect the safety of the people who work in and visit their buildings. Topics Include: Preparing for Disasters: Build Strong, Build SmartEnsuring a Safer Future through Training and EducationSecuring Clean, Abundant Water for all CommunitiesConstruction Professionals and Homeowners: Partners in SafetyInnovations in Building Safety…Read More

Posted on May 22nd, 2019 by admin

Despite numerous campaigns throughout the country to end bullying, the numbers related to bullying are quite staggering. According to the Megan Meier Foundation, nearly one of every three students has been bullied during the school year and TeenSafe reports that 87 percent of students have witnessed cyberbullying. The problem with cyber bullying that sets it apart from traditional bullying is that students no longer have a safe haven or refuge to escape the torment. For those who believe that bullying is a victimless crime or that students simply need to toughen up after being victims, perhaps these statistics will shed…Read More

Posted on May 2nd, 2019 by admin

Hiring contractors? One of the most important things you can do to protect your interests and your family’s financial security is to take the necessary steps to ensure you hire fully licensed, bonded, and insured contractors. Secondarily, make sure you are properly insured with either a builders risk policy or by increasing your dwelling coverage when doing major additions or renovations. Why is Hiring Licensed, Bonded and Insured Contractors So Important? Whether it involves contractors, landscapers, painters, or even the guy who comes to clean your pool, proof of insurance is critical when people are working on or around your…Read More

Posted on April 19th, 2019 by admin

The idea of ending your daily commute and working from home is attractive to most people. Before you make your decision to bring your business home, though, there are a few essential details, related to insurance; you need to know. Your Homeowners Policy Does Not Protect Your Business It’s true. You need additional coverage to protect your business interests when you work from home. Finding the right protection in a home-based business insurance policy can be tricky. Which is why it is so important to work with a trusted independent insurance agent to make sure you are receiving the right…Read More

Posted on March 26th, 2019 by admin

According to the Insurance Information Institute, 15.4 million consumers in the U.S. were victims of identity theft in 2017, resulting in 16 billion dollars in theft. Within the last six years, identity thieves have managed to steal more than 107 billion dollars. Even more alarming is that despite greater awareness of identity theft, the number of victims each year is growing. The 15.4 million people affected in 2017 is up substantially from the 13.1 million victims in 2016. How Does Identity Theft Happen? Thieves have many tricks and tactics they use to obtain your personal information and thus your identity….Read More