Every day, nonprofit organizations change the world through fundraising and community outreach, and nonprofits’ impact affects life tremendously. But that does not mean not-for-profits are immune to circumstances that can affect their mission in a negative light. That is why not-for-profits must choose the right insurance coverage for themselves and their operations, to keep the not-for-profit’s mission moving and not slow down when disaster hits. Coverages Every Nonprofit in New Jersey Should Consider Nonprofit Insurance…
About 60% of small businesses that face cyberattacks close within a few months. This is because they don’t have a plan or coverage in place to cover expenses and regain customer trust. The damage does not just remain limited to technical, it also starts to affect finances, reputation, and can also lead to legal issues. The risk of cybersecurity issues is also common for digital businesses in New Jersey. Almost every business uses connected systems…
Running a business in America is exciting. But it is also greatly unpredictable. One lawsuit, one serious accident, one moment you did not see coming, and everything you worked super hard for could be at risk. That is exactly why more and more business owners are asking about umbrella liability policy coverage. Think of it as an extra secure safety net sitting above your regular insurance. When your standard policy hits its limit, umbrella coverage…
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…