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NJ HVACR Licensing Reciprocity

The NJ State Board of Examiners of HVACR Contractors has determined that the following states do NOT have standards equal or comparable to New Jersey, therefore there is NO reciprocity for licensing. NOT acceptable: Pennsylvania, New York, Connecticut, Maryland, Delaware, Texas, Ohio, Florida, Tennessee, Alabama, Illinois, Arkansas, Louisiana, Rhode Island, North Carolina, Kentucky, Virginia, South […]

May 5 is National Wildfire Community Preparedness Day

National Fire Protection Association’s (NFPA) Wildfire Community Preparedness Day is on May 5, 2018. There are many ways to help protect homes, neighborhoods, businesses, and entire communities: – Reduce the amount of flammable materials and brush that can burn around your home or business; – Create a fire-free area within the first five feet of […]

NJ Supreme Court Rules Consumer Contract Lawsuits Must Show Actual Harm Done to Be Valid

New Jersey businesses will not have to defend themselves against class action lawsuits where no one has been seriously harmed thanks to a New Jersey State Supreme Court ruling handed down Monday. Specifically, the court determined that a consumer must show they suffered monetary or other harm in order to be eligible to claim damages […]

HVACR Contractor’s Bonds Are Up For Renewal!

HVACR license holder’s, please note that your license will expire on June 30, 2018. In order to renew your license, the State of New Jersey requires you to purchase a $3,000 surety bond for the two year license term! Please click here to fill out the online application and make your $50 payment to renew […]

Governor Murphy Announces The Creation of NJ Apprentice Network

Governor Phil Murphy announced on March 29th plans to create the New Jersey Apprentice Network, a new path for state residents to enter high-skilled careers through paid apprenticeship that may include college credit. The Governor’s proposed budget for 2018 includes 10 million to support the New Jersey Apprentice Network. The State of NJ will see […]

What Is Insurance?

Insurance is a contract between the you, the policyholder and an insurance company that protects against financial loss as a result of an accident. You agree to pay a premium, and in return, the insurance company agrees to pay for certain expenses as defined in the policy. Having the correct insurance coverage may prevent you […]


Ground Fault Protection Methods A Ground Fault Circuit Interrupter, or GFCI, is a device that functions to de-energize a circuit when it senses the potential risk of electric shock. GFCIs are very sensitive, and will trip when sensing an abnormal difference of current in excess of 4-6 milliamps – significantly below the level that would […]

Selling your car or truck?

When does ownership of the vehicle cease? Most people think that ownership of their vehicle ends when the title to the car is signed and given to the new owner. That’s not correct. Ownership ends when the new owner registers the vehicle with the state. The seller is responsible to insure the vehicle until the […]

New Feature on Selective App: Electronic Auto IDs

The Selective mobile app now has the ability to let your customers save their electronic auto ID card to their mobile devices.* This new feature gives you the ease of having their electronic auto ID card readily available even when not connected to the internet. The electronic auto ID card is accepted by law enforcement […]

Contractors Professional Liability – example 1

Example #1 explaining what contractors professional liability coverage provides. A painting contractor was hired to refinish a cork-tiled floor. The employees incorrectly mixed the finishing product with water and applied it to the floor causing the cork to buckle and damage. As a result, the flooring required a complete replacement. This type of claim is […]