In 1987 the New Jersey legislature passed the social host law. It says that if one of your guests consumes too much alcohol and injures someone in a car accident after the party, the injured person can recover damages from…
When a tree falls on a house, the first thing most homeowners wonder is whether their insurance will cover the damage. Fortunately, they do, and the coverage inclusions for tree damage are clear. If a tree falls on a home…
When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think that your homeowners policy covers your ATV. But is this the case? Your “toy”…
Diapers, wipes, bibs, blanket, spare outfit, pacifiers, bottles, toys, snacks… Even just running to the grocery store with a baby in tow requires planning and preparation. You pack the diaper bag with all the essentials you may need while you…
“Until you value yourself, you won’t value your time. Until you value your time, you will not do anything with it.” – M.Scott Peck, author of The Road Less Traveled. Some things you just shouldn’t rush; like purchasing a new…
An Incident Response Plan (IRP) is an important document for businesses to have. An IRP is a living step-by-step document to help your organization handle or mitigate a cyber threat/data breach. You should review this plan annually and update it…
This week I decided that I will strive to educate my readers about Cyber Liability Insurance. You may have heard about this product, but may not know everything you need to know about it. Hopefully it won’t be boring or…
Did you know that dog bites cause nearly 800,000 injuries requiring immediate medical care in the United States each year? This statistic is based on a study conducted by the National Center for Injury Prevention and Control. People can hold…
Do You Need to Have a First Aid Kit? First Aid Kits are one of the necessities of a work place. This doesn’t mean just a box of bandages and some ibuprofen. Your kit needs to meet the OSHA Standard…
Now that your blood pressure has recovered from giving your teenage driver her first driving lessons, it’s time to add him or her to your insurance policy. But any young driver is historically a risky client for insurance companies –…