Our Blog

Posted on March 30th, 2015 by admin

Rain is a beautiful thing, especially in areas plagued by drought. But when rain turns into flooding, and leads to damage to homes, it’s not such a beautiful thing. Flood Insurance Basics Many homeowners learn the unfortunate lesson that their homeowners insurance policy doesn’t protect their home or prized belongings in their home from the devastation left by the wrath of a flood. Flood insurance is administered by the Federal Emergency Management Agency (FEMA) through the National Flood Insurance Program (NFIP). While it is not included in a standard homeowner’s insurance policy, homeowners typically purchase flood insurance coverage through local…Read More

Posted on March 13th, 2015 by admin

Floods can cause devastating damage but  being prepared can help you prevent your business from being washed away!   • Establish a Business Continuity Management (BCM) Plan that takes prevention, emergency response and disaster recovery into consideration. Don’t forget to update it as needed for flood readiness. • Designate a BCM coordinator and a BCM team. Assign responsibility to specific employees for advance arrangements and flood emergency response, including removal of stock and equipment. • Practice your evacuation plan. Ensure that all employees know the safest route to high, safe ground. • Participate in flood plain management. Many communities have…Read More

Posted on February 24th, 2015 by admin

  Sometimes falls can be comical, but lets keep that on screen only. “Slip and fall” is a term used for a personal injury case in which a person slips or trips and falls on your property. These cases usually fall under the broad category known as “premises liability” claims. This can occur because of: wet or greasy floors torn carpeting poor lighting narrow stairs clutter and debris uneven surfaces improper cleaning lack of hazard identification broken or cracked public sidewalks rain, ice, or snow hidden hazard, such as a pothole in the ground. possible fraud So when you or…Read More

Posted on February 24th, 2015 by admin

Frozen pipes are one of the biggest risks of property damage when the temperature drops. A burst pipe can cause more than $5,000 in water damage, according to IBHS research.   • Provide a reliable back-up power source, such as a stand-by generator, to ensure continuous power to the building. • Interior building temperature can be monitored by a central monitoring company to ensure prompt notification if the interior of the building reaches low temperatures during after hours, power outages or idle periods. • Recessed light fixtures in the ceiling below the open area that is directly under a roof,…Read More

Posted on January 30th, 2015 by admin

Travelers Boiler & Machinery is a leading provider of equipment breakdown insurance products and services. With more than 100 years of experience in the equipment breakdown insurance business, Travelers products and services are second-to-none and stay in-synch with the changing world of technology.   •             Travelers Boiler & Machinery is a national provider of: •             Equipment Breakdown Coverage •             Equipment Breakdown Reinsurance •             Boiler and Pressure Vessel Jurisdictional Inspection Services •             Equipment Breakdown Risk Control Surveys & Consulting •             Non-Destructive Testing Services   In our ever-changing and hyper-competitive world, there are few certainties that compare to the inevitability of equipment…Read More

Posted on January 19th, 2015 by admin

As a Day care provider, parents trust you to protect and care for their most valuable assets. Why not trust Travelers to help protect your most valuable asset — your business. Travelers National Programs understands the complex needs of your business and has developed comprehensive child care and day care insurance solutions that are right for you. Our Day care Specialty Practice targets licensed, non-residential child care facilities for infants to kindergarten-aged children, pre-schools, and after-school care through grade 8. Available coverages include: • Property • General liability • Abuse and molestation liability • Child care services acts, errors or…Read More

Posted on January 16th, 2015 by admin

As a premium provider of agricultural insurance, Travelers has a broad appetite for entities that grow crops or raise livestock. Their Agribusiness division has the underwriting expertise to handle large, complex agricultural businesses and the automation to be a low-cost provider to small farming operations. Who they serve: Commercial growers and packers of agricultural products Grain and field crop growers Cotton growers Citrus growers Family farms and ranches Estate farms Horse farms Cattle ranches Wholesale nurseries Wineries and vineyards We can meet your needs while providing competitively priced programs for farms, ranches and commercial growers of agricultural products. Contact Jen Manthey…Read More

Posted on January 13th, 2015 by admin

Farmers of Salem’s service line coverage provides protection from an unexpected loss caused by a service line failure. This sometimes unforeseen and costly exposure is not covered under most homeowners insurance policies, and most homeowners do not realize they are responsible for the underground service lines from the street to their home. This product protects the homeowner by extending coverage for damage to underground piping, wiring, valves, or attached devices that connect a home to a public utility service provider or to a private system. Contact us  to obtain this coverage.   What does the product cover? This offering provides…Read More

Posted on January 2nd, 2015 by admin

As a driver, you can forget about greed and gluttony. Instead, you need to beware of other deadly sins that could mean you’ll have a devil of a time when it comes to purchasing auto insurance. Having one of these black marks on your record can mean your insurer will move you from being a standard or preferred driver, who pays lower rates, into the high-risk category. Driving under the influence Driving recklessly Having a bad driving record Bering a serial skinner Failing to pay your car insurance bill Having a crummy credit score Driving the wrong kind of car…Read More

Posted on December 16th, 2014 by admin

  This time of year, we take stock of that which we are thankful. Thank you for your part in ICNJ.