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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. […]

What is a Registered Apprenticeship

Registered apprenticeships are an earn-while-you-learn approach to launching an excellent career in hundreds of different occupations,including chef, child care development specialist, dental assistant, and several occupations in construction, health, and public safety, to name a few. Apprentices receive a combination of on-the-job training (OJT) and related technical instruction (RTI) to master the practical and theoretical […]

Grilling Season & Safety Tips

As the warm weather approaches, shortly you’ll be able to get a sniff of BBQs grilling up near you. Nothing quite says summer like getting together with friends and family and turning on the grill. Before your grilling season starts, be sure to revise some safety tips to ensure an injury-free season for all. Here […]

Outdoor Safety & Snakes

The weather is beaming and there is no better time to take to some work on your property outside. However, there are some safety concerns you shouldn’t ignore when it comes to outdoor work. If your job consists of outdoor work, these tips will also be helpful to you. Venomous Snakes Over 37,000 people in […]

Defensive Driving Safety Tips

Defensive Driving Safety Tips You could have years of driving experience on the road, racked up hundreds of thousands of miles, but your experience may not be your most useful tool when uncontrollable situations occur. Here are some tips on driving defensively and preventing accidents that could raise your insurance premium through the roof. Don’t […]