Business Insurance

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.

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.

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,