Our Blog

Posted on November 25th, 2014 by admin

At ICNJ, we know that your business’s safety this winter is dependent on being prepared for whatever winter might bring. Below are a few of the steps you can take today to address the most common problems that cause property damage in winter. What do you need to do? Cold air in enclosed spaces Visually inspect concealed spaces for gaps in wall materials; water pipes in these areas can freeze if unprotected Keep these spaces warmed to at least 50° F or use certified heat tape Sprinkler systems and related equipment Keep building temperatures at 50° F for wet-pipe systems,…Read More

Posted on November 3rd, 2014 by admin

    Please note that the office will close at 3 p.m. on Wednesday, November 26 ,2014 and will reopen Monday, December 1, 2014 at 9am, in observance of the Thanksgiving Day holiday. A special greeting at Thanksgiving time to express to you our sincere appreciation for your confidence and loyalty. We are deeply thankful and extend our best wishes for a happy and healthy Thanksgiving Day.

Posted on September 9th, 2014 by admin

There are a few reasons these companies costs less and taxi companies say ride-share companies cut corners, leaving passengers at risk. Ride-sharing is growing in popularity, people are drawn in by the ease of summoning a personal driver at the push of a button, but passengers need to consider what happens when things go wrong. When individuals use their own private passenger automobiles to transport individuals for a fee, they risk driving without proper insurance and/or having inadequate coverage for themselves, their vehicle, their passengers and third parties who may sustain personal injury and/or property damage. Typically, personal auto insurance…Read More

Posted on September 2nd, 2014 by admin

Due to FEMA remapping, many homes that are currently in X flood zones are being moved into a flood zones, also known as special hazard. Homes in A zones have a higher chance of flooding and are required to carry flood insurance by their mortgage companies. Owners of buildings that meet the loss history requirements and were newly mapped into a high-risk flood zone are eligible for a Preferred Risk Policy. The extension allows a home that was formally in an X zone to be insured under a preferred risk policy for a period of 2 years. PRP premiums vary…Read More

Posted on May 7th, 2014 by admin

Many people find out too late that their landlord’s insurance policy doesn’t protect their personal belongings. A renters insurance policy helps protect the personal property you keep inside your residence.   It also include that it provides coverage for you to reside elsewhere while your apartment is being repaired for a covered loss and can even lend a hand to help you estimate the value of the contents of your apartment.   To find out how to get Renter’s Insurance contact Allison Sanchez at x19 or asanchez@icnj.com

Posted on April 28th, 2014 by admin

What is Service Line Coverage? If a broken sewer line is an underground pipe that connects to the main municipal line in your neighborhood, your insurance company will want to know where exactly the break occurred. It is unlikely to cover a break that occurs outside of the “footprint” of your home’s foundation under any circumstances. This is especially true if the break appears to be the result of a gradual deterioration in the line’s integrity. But fear not, Farmers of Salem’s service line coverage can cover this often unforeseen and costly exposure! And it is extremely affordable- contact Jenn Manthey at 201-525-1100…Read More

Posted on April 25th, 2014 by admin

What would you do if : • Lost your engagement ring? • Couldn’t sleep in your home because of a recent fire? • Didn’t have a ride to work because your car is in the shop after an accident? You wouldn’t have to panic if you have the right protection! Here at ICNJ, we understand that a “one size fits all” actually doesn’t. That’s why we back Hanover’s Commitment to providing quality policyholder service and unique coverage. Hanover Insurance offers packaged protection for all your needs with the convenience of one bill, one account, and one effective date! It’s more…Read More

Posted on March 26th, 2014 by admin

 We all knows that having a good credit score qualifies you for lower interest rates on loans and better terms on credit cards, but it can also affect the rates you pay for car insurance — sometimes quite significantly, when the savings are measured over time.This theory actually favors drivers who may have a few blemishes in their driving record but maintain a good credit score. Conversely, drivers who have kept a clean driving record, but have a spotty credit history will be penalized. Unfortunately, as a consumer you think you are insuring your car, while insurance companies look at…Read More

Posted on March 7th, 2014 by admin

Did you know that in the wake of a disaster, SBA provides low-interest disaster loans to homeowners, renters, businesses of all sizes and private, nonprofit organizations? Our latest video offers information about the steps to take to apply for assistance from SBA:After a presidential disaster declaration, first register with FEMA. In most cases, you’ll be referred to SBA for possible loan assistance. Then you should apply online, which is the fastest way to receive a decision about your loan eligibility.Your loan processing is next. SBA will conduct a credit check and an onsite inspection to determine your losses. A loan…Read More

Posted on February 25th, 2014 by admin

Seat-belts are buckled, mirrors are adjusted, and the engine is purring. As your car backs slowly down the driveway you can’t help but look into the side mirror to make sure the tires aren’t on the lawn. You start down the street, white knuckles firmly clamped around the door handle and feet bearing down on imaginary brakes.It’s your son’s first time behind the wheel and you’re riding shotgun — who knows which one of you is more nervous? Learning to drive can be nerve-wracking for teens and parents. It’s likely to be your first experience putting your safety and auto investment…Read More