132 Columbia Turnpike, Florham Park, NJ 07932

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 […]

Additional Insured on Contractor General Liability Policy

Contractor insurance policies can include an “additional insured.” Here is a brief example explaining the coverage. A Landlord hires an electrical contractor to perform maintenance work on the light fixtures in the lobby of the Landlord’s building. While working on a light fixture, the electrical contractor’s employee does not secure it properly, and it falls […]

FMI Equipment Coverage

Franklin Mutual Insurance (FMI) has equipment coverage that picks up where your typical homeowners policy ends. It includes: Coverage for over 1,000 types of equipment including washers and dryers, water heaters, well pumps, air conditioning units, and electric service panels, Coverage for additional expenses in the event as insured’s home becomes uninhabitable as a result […]

WC Rate Level Decreases 5.1% for 2018

Effective Monday, January 1, 2018, the New Jersey Compensation Rating and Inspection Bureau will be decreasing the rate revision down by 5.1%. This change will occur after the Bureau recieved approval from the Department of Banking and Insurance. For more information, click here.

Fire Prevention

Fire Prevention week is annually during the month of October. Statistics show that the cooking is the number one cause of both non-residential and residential fires and often from preventable mistakes.  Take the time to organize an emergency plan that could save you and your family’s lives. Here are seven steps that the United States Fire […]

Bury the Fax Machine, It’s Email Era

In case you don’t already know, fax machines are a thing of the past. However, plenty of businesses still use them. According to spiceworks.com, approximately 82% of organizations still use the fax machine. The fax machine has had its run for decades. For the older generation, it is what they grew up with and understand. […]