Business Insurance

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.

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.

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,