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Many business owners believe they’re fully protected — until a claim exposes hidden gaps. In this guide, we break down the most common business insurance gaps in 2026, including low liability limits, missing umbrella coverage, cyber risks, EPLI exposures, and business income shortfalls. Learn how to identify coverage weaknesses before they become costly problems.

Buying a Condo in NJ? Here’s What Insurance You Actually Need If you’re buying a condo in New Jersey, one of the most confusing parts of the closing process is insurance. I receive calls every week from new condo buyers who say: “My lender says I need condo insurance… but doesn’t the association already cover the building?” The answer is: maybe — but not the way you think. Before purchasing a condo insurance policy (also called an HO-6 policy), you must first understand: Wha

Frozen pipes in extreme cold can cause major damage to homes and businesses. Learn what to do immediately, how the insurance claim process works, and how the right guidance can make all the difference during a winter loss.

Many New Jersey homeowners are being surprised by umbrella policy non-renewals heading into 2026. Stricter underwriting rules and rising liability risks are making personal umbrella insurance harder to obtain — even for households with clean records. Learn what’s changing and how NJ homeowners can still protect their assets.

Home insurance is no longer just about paying claims after damage occurs. In 2026, insurance companies are shifting toward prevention—favoring homes that can detect problems early and reduce losses before they become costly insurance claims.

Insurance requirements for NJ small businesses are changing in 2026. Learn which policies are required, which are recommended, and how to avoid coverage gaps.

Insurance isn’t “set it and forget it.” Life changes, rebuilding costs rise, and policies evolve. If you haven’t reviewed your insurance coverage in a while, there’s a good chance it no longer matches your life today.

Workers’ compensation class codes are numerical codes used by insurance companies to categorize your business based on the actual job duties your employees perform.

Why NJ homeowners are receiving insurance non-renewal notices—and what you can do to protect your coverage. If you received a NJ homeowners insurance non renewal notice , you are not alone. Homeowners across New Jersey—many with clean claim histories and well-maintained homes—are being notified that their policies will not renew in 2025. For many, it feels unexpected, confusing, and unfair. This guide will help you understand why this is happening , what it means for your hom

A New Jersey business wired $95,000 after receiving what looked like a routine email from their accountant. Nearly two years later, they learned the payment was fraudulent. This is social engineering fraud — and it’s now the most common cyber scam targeting small businesses.

Your $10,000 engagement ring might only be covered for $1,500… did you know that? If you’re a homeowner in New Jersey, New York, or Pennsylvania, you may assume your homeowners insurance automatically covers everything you own—including your engagement ring, artwork, or collectibles. It makes sense. You’re already paying for personal property coverage, so why wouldn’t your valuables be protected? Here’s the reality: Most high-value items like jewelry, fine art, luxury watches

Forming an LLC in New Jersey is one of the best ways to legally protect your personal assets as you start or grow a business. But many new LLC owners quickly discover something surprising: the LLC structure alone does not protect you from financial loss if something goes wrong. It will not pay for a lawsuit, property damage, a client dispute, an injury, or a cyberattack.

Owning a multi-family property in New Jersey—whether it’s a duplex, triplex, or four-family home—can be one of the smartest investments you make. It can also become a costly one if the insurance coverage doesn’t match the property’s use.

If you’re a New Jersey homeowner, you’ve probably noticed your homeowners insurance premium increasing each year — even if you haven’t filed a claim. You’re not alone. Across NJ, homeowners are seeing higher insurance costs due to rising construction expenses, more frequent storms, and stricter underwriting standards.

Storms are part of life in New Jersey — heavy winds, lightning, and even those surprise spring snowstorms can send branches (or entire...

Don't let the government shutdown derail your closing. Get flood insurance today! When most people hear “government shutdown,” they think...

With insurance premiums climbing, it’s time to ask: how much is homeowners insurance in NJ, and are you paying too much?

Owning a home on the Jersey Shore is a dream for many—but insuring one has become a growing challenge.

How to handle your insurance coverage audit with less stress. And Why Pay-As-You-Go Could Save Your Business Time, Money, and Headaches Running a small or medium-sized business in New Jersey comes with a long checklist of responsibilities—keeping your customers happy, managing employees, staying on top of your finances… and then, suddenly, your insurance company sends you an audit notice . If you've ever opened one of those letters and felt a sinking feeling in your stomach,

If you’ve put time, money, and love into a classic or exotic car, then protecting it with the right insurance isn’t optional—it’s essential. Whether it’s a 1969 Mustang, a 1990s Supra, or a Porsche that only comes out on weekends, or nice weather days, standard auto insurance just doesn’t cut it.