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Commercial Insurance


Construction Defect Claims: What Every Contractor Should Know About Their Insurance Coverage
Many construction defect claims involve hidden structural components such as roofing systems, framing, and moisture barriers that may not show signs of damage for years. Whether you build custom homes, remodel kitchens, install roofing, or manage commercial construction projects, every completed job carries a certain amount of risk. Even after the final walkthrough is complete, permits have been closed, and the customer has paid the last invoice, your responsibility may not e
Adam Overmyer
Jul 319 min read


What to Do After Storm Damage: 7 Steps to Help Protect Your Insurance Claim
Summer storms are a fact of life throughout New Jersey, New York, and Pennsylvania. Strong winds, hail, heavy rain, lightning, and fallen trees can cause significant damage to homes and businesses in just a matter of minutes. If your property is damaged during a storm, it's easy to feel overwhelmed. Fortunately, taking the right steps immediately afterward can help protect your property, simplify the insurance claims process, and reduce the risk of additional damage. Here are
Adam Overmyer
Jul 174 min read


Employees Using Personal Vehicles for Work? Here's the Liability Risk Most Businesses Overlook
Employees using personal vehicles for work can create unexpected liability for your business. Learn how Hired and Non-Owned Auto coverage helps protect against costly claims.
Adam Overmyer
Jun 296 min read


Insurance for Family Businesses: What NJ Business Owners Need to Know in 2026
Running a family business comes with unique risks that many owners do not realize until a claim happens. From liability exposure and workers compensation concerns to cyber risks and umbrella coverage gaps, this guide explains what NJ family business owners should know about protecting the business they’ve worked years to build.
Adam Overmyer
May 135 min read


If an Employee Burns Down Your Building, Are You Covered?
What a $600 Million Warehouse Fire Teaches Business Owners in 2026 In April 2026, a warehouse fire in California caught the attention of the insurance industry for one reason—the scale. According to Insurance Journal, a warehouse worker allegedly set fire to a 1.2 million square foot Kimberly-Clark distribution center, resulting in an estimated $600 million loss. Twenty employees were inside at the time. Thankfully, no one was killed. The building and everything inside was a
Adam Overmyer
Apr 244 min read
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