Running a dumpster rental business comes with risks every day. Trucks move through busy streets. Dumpsters get placed on driveways and job sites. Workers handle heavy equipment. Risks everywhere. One accident, just one, can cost thousands of dollars. What can you do but insurance! That is why having the right commercial insurance for your dumpster rental company matters so much. Good insurance helps protect your trucks, employees, dumpsters, and business money. Many owners buy the…
Purchasing a house at the shore offers the independence and pleasure of a breathtaking view of the ocean. It also carries the possibility of hazards that regular residences do not. It’s critical for insurance brokers who work with clients who own these properties to comprehend the particular elements that affect coastal areas. Homeowners who own seaside properties are frequently in the market for high-net-worth insurance. The purpose of this insurance coverage is to safeguard important…
Workers’ compensation insurance is compulsory for most small businesses in New Jersey as per the New Jersey Workers’ Compensation Act, which is formally codified in N.J.S.A. 34:15-1 et seq. This coverage protects employees in the workplace and provides medical care, wage replacement, disability, and death benefits. This blog post provides details about coverage requirements for employers in NJ, compensation coverages, and costs of workers’ compensation insurance. Workers’ Comp Insurance Requirements for Employers in NJ Every…
For company owners in New Jersey, particularly in the Medford and Tri-State region, commercial insurance is essential. In order to safeguard their business and workers and to pay losses, many firms are legally obligated to get insurance. In this post, we are going to discuss all about commercial auto insurance, including what it is, what it covers, how much it costs, and more. What Is Commercial Auto Insurance? Commercial Auto Insurance in NJ The form…
It’s important to understand the homeowners‘ insurance costs in New Jersey when you’re planning to get a home in NJ. This cost is different in different states and regions, so in this post, we are going to discuss the insurance costs in NJ. Homeowners Insurance Costs in NJ The average price of home insurance in New Jersey varies depending on where you live. The following is the average annual cost in three different areas: In…
Shopping for general liability insurance as a New Jersey contractor feels like throwing darts blindfolded. One broker quotes you $3,500 annually. Another says $8,000. The third one comes in at $5,200. Same coverage supposedly, wildly different prices. What are other NJ contractors actually paying? Why does the cost vary so much? What determines whether you’re on the low end or high end of pricing? Healy Brokerage works with contractors across New Jersey on insurance coverage.…
I got a call last month from a small accounting firm in New Jersey. They’d been hacked. Someone got into their system and accessed client tax returns – social security numbers, income information, all of it. They were panicking because they had no idea what to do next or how much this was going to cost them. First question I asked: Do you have cyber liability insurance? The answer was no, they’d never even thought…
Here’s the thing about workers’ comp in New Jersey – you don’t get to decide whether you need it. If you have employees, even one person working part-time, the state says you have to carry it. I’ve watched business owners try every excuse. “We’re just a small operation.” “My employees are like family.” “We’re careful, nobody’s going to get hurt.” None of that matters to the state, and it definitely doesn’t matter when someone actually…
You run an accounting firm in Brick. Twenty-three clients, two part-time employees, tax returns stored on a server in your office closet. Maybe you think hackers care about Goldman Sachs, not your little practice. Wrong. Criminals specifically hunt small businesses in NJ because you handle sensitive financial data without the security team that big corporations have. A dental office in Toms River learned this the hard way last spring. Someone clicked an email attachment that…
Your home insurance bill arrives in March. Life insurance payment hits in October. That umbrella policy you added last year renews in June. You’re managing three different companies, three sets of login credentials, and three customer service numbers you can never find when you actually need them. Here’s what nobody tells you about keeping insurance policies scattered across multiple carriers: you’re probably overpaying by hundreds of dollars a year. Insurance companies bank on customers staying…