Get peace-of-mind breach expenses coverage to help you cope with the rising breach costs, with The Hartford Data Breach offer. If a claim is brought to you by one of your customers that have been affected by the breach, you should be sure to have professional assistance to help you confidently handle the breach. The Hartford Data Breach  provides easy access to a secure breach preparedness website, featuring easy-to-understand tips and guidelines you and your staff can use every day – not just when you have a claim. You can also get information on how to create a data breach incident response plan, and consult with a team of breach expert on “next steps” on how to address a breach situation. So get your quote today! Contact Prime Insurance Agency at 888-505-7746,  or get your free Business Insurance Quote here.

An Employment Practices Liability claim can devastata a business! Please complete the information below and mail, call or fax Prime Insurance Agency for a fast quote.
Name of Applicant: ____________________
Address:_______________- City:______________ State:______ Zip:_____
Nature of Business:___________________________________
Total number of Employees:
Full Time__________________________________________
Part Time, Temporary & Seasonal_________________________
Independent Contractors & Leased________________________

EPL premiums start at $500 for a $100,000 limit and $1,000 for a $1,000,000 limit (minimum premiums vary by state). Deductibles start at $1.000 for most classes in most states.

Why you need Employment Practices Liability Insurance:
> Three out of  employers are sued by former employees every year.
> Forty percent of claims are brought against firms with fewer than 100 employees.
> A private company is more likely to have an Employment Practices claim than a General Liability or Property claim.
> Almost 75% of all litigation against corporations involves employment disputes.
> Gender and age discrimination along with retaliation claims are on the rise. There are more women and “Baby Boomers” in the workplace than ever before. Recent Supreme Court decisions have lowered the standard for what constitutes retaliatory treatment.
> The average cost to defend an Employment Practices claim is $150,000 and the median jury award is $250,000.

Can you afford to spend $150,000 to defend yourself against an employment practices claim, even a frivolous one?

Prime Insurance Agency 888-505-7746

http://www.primeins.com/

Some Dos And Don’ts To Prevent Vacant Building Fires:

*Don’t shut down exterior lighting; a darkened property perimeter is an invitation to trouble

*Do secure the property against unauthorized entry. Maintain alarms and motion detector systems

*Don’t allow accumulation of flammable material or waste in or around the building

*Do shut down all equipment and non-critical power supply

*Don’t “ignore” the property: maintain and record periodic inspections

Too often vacant property, because it may be considered “non-productive,” is neglected. This courts disaster. If anything, because the normal activity of occupancy is absent, vacant property should be even more carefully monitored.  Protect your vacant property, call 888-505-7746 today.

With GrandProtect, we can give you the convenience you want with the superior insurance coverage you need.

If you are looking for a product that can protect autos, homes, condos, apartments, or recreational vehicles all in one policy package – GrandProtect is the answer you’ve been looking for! Simplify your insurance coverage by calling 888.505.7746 today.

Prime Insurance Agency

960 East County Line Road

Lakewood NJ, 08701

960 East County Line Road, Lakewood NJ 08701

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Now saving is easy! With this exclusive policy, members who switch save an average of $364 in the first year alone-and they get all the benefits and privileges you’d expect with the AARP Auto Insurance Program. (Since drivers 50+ are safer, you don’t pay for younger drivers’ mistakes.) Your own savings could actually be greater. Call now or stop by to request a FREE money-saving quote. No coupon necessary.

Plus, they offer 24 Hour Claims Service.  You can also have the opportunity to lock in your rate for 12 Months, not six. There is also a Lifetime Renew-ability and  New Car Replacement Protection. Good news! The AARP Auto Insurance Program from The Hartford is now available through your local Hartford independent agent! Call today for your FREE, no-obligation quote: 888-505-7746

www.primeins.com

Prime Insurance Agency partnered with Assurant/American Bankers Ins Co to offer a very competitive home insurance product for a select few agents. Assurant is a Fortune 500 company ( see www.assurant.com).

The forms available are DP1, DP2, DP3.

In addition to the already catastrophic episode, a business or industry not protected by Excess or Umbrella coverage would possibly encounter some financial loss too, in such a circumstance. Excess or Umbrella policies do not replace primary General Liability Coverage. But they do add to its protection by contributing extra limits that go beyond those of the primary policy. Regardless of how a business runs, every business has some potential to go wrong. To avoid catastrophe, every business should purchase Excess or Umbrella coverage.

Excess and Umbrella policies serve two unique roles for a business owner. Umbrella policies usually offer broader coverage than Excess policies and provide coverages over several under-lying policies such as General Liability, Business Auto, Liquor Liability, and Employers Liability. They also feature a self-insured retention, which acts similarly to a deductible but only relates to uncovered primary losses before the umbrella starts paying. Additionally to policy limits, it also pays for defense costs.

Alternatively, Excess coverage acts as an addition to the original policy and offers increased restrictions once that policy has been exhausted. If functions as added protection only for items covered by the primary policy. The Excess policy does not provide coverage if the original policy doesn’t.  It does not include a self insured retention.

The differences between the two policies are so slight, and it can get confusing to even the most experienced insurance agent. But with difficulty comes chance.  Prime Insurance Agency is committed to coach and update you with all the latest information you need.

Most businesses do not produce anywhere near $250 million in profit. But these policies are a great advantage to small businesses as well. Business owners should see how much they can afford to lose, and talk to your agent for more information on how Excess and Umbrella coverage can work for you. Call Sol Ilowitz at Prime Insurance Agency today at 888-505-7746. Check out http://www.primeins.com/ for more information.

960 East County Line Road, Lakewood NJ 08701

In recent months, there’s been a great deal attention paid to the issue of texting while driving, and with good reason: keeping your eyes on the tiny keyboard in front of you instead of the highway ahead is a sure way to head down the road to disaster. Unfortunately, texting is just the latest in a long line of distractions that are having deadly consequences on America’s roadway with more than 37,000 lives tragically lost each year.

“Distracted driving is increasingly having an impact of lives lost and property damaged,” said Sol Ilowitz of the Prime Insurance Agency. “Safe driving is really about focus. Every day, there are many accidents that could have been avoided, had the basic principles of defensive driving and driver attentiveness been observed.”

To avoid being “driven to distraction”, ask the following questions, when behind the wheel:

Are you keeping your eyes on the prize? These days, cars more than ever resemble mobile offices and massive entertainment centers. Keep in mind: these distractions can cut your reaction time in half, and with most accidents occurring in seconds, you need all the time you can get.

Are you awake enough to drive? Driver fatigue lead to driver inattentiveness, and according to the National Highway  Traffic Safety Administration, 100,000 crashes are caused each year by drivers literally being asleep at the wheel. Recognize the signs of drowsy driving, which include difficulty focusing, frequent blinking, irritability, and frequent yawning, and than, take action.

Are you more interested in your cell phone conversation than the road ahead? Even in states where it’s permissible, avoid talking on a cell phone whenever possible. If you absolutely need to place a call,  pull off the road to a safe location and dial away.

Do you have a designated deejay? Changing the radio dial or finding that “perfect song” on your MP3 player may seem harmless, but can be big distractions. Whenever possible, let your passenger “take the wheel” when it comes to selecting the musical mood.

Are you being lazy about changing lanes? It’s critical to look briefly over both shoulders before changing lanes. Even with on-board technology, such as blind spot and rare view indicators, the basics still apply: signal, check your mirrors, and glance back both ways to be certain that no one or no thing has found its way into your blind spot.

Are you day-driving or daydreaming? Even without external distractions, it’s easy to get caught up thinking about personal problems or work assignments. If you feel yourself losing your focus, give yourself a wake up call, and set aside your problems. They can wait until the ride is over.

For additional information, Prime Insurance Agency and MetLife Auto & Home are working together to offer free brochures: “Driving While Distracted: Be A Safe Driver” and “In The Driver’s Seat: About Driving Safely.” Both are available by calling Prime Insurance Agency at 888-505-7746 or visiting Prime Insurance Agency at 960 E County Line Road, Lakewood NJ 08701.

Policy features may include:
>Professional liability for no additional charge

>Child molestation and abuse limits up to the general liability limit with no liability deductible (commercial)

>Our definition of abuse includes corporal punishment

>Medical payments coverage automatically provided for no additional charge for enrolled students

>Defense cost reimbursement coverage for false child molestation and/or abuse allegations against the facility owner, operators and employees

>Employees including directors and assistant directors are insureds under child molestation and/or abuse coverage (commercial)

>Hired and non-owned auto coverage Coverage for facilities that care for children with special needs

>Coverage for facilities with pets and field trips

>Coverage for extended hour and overnight commercial child care facilities and/or “drop in” centers

>Special form including theft and replacement cost coverage available

>Equipment breakdown coverage including spoilage of perishable items

>Value plus endorsement is available on accounts eligible for special form offering 14 optional coverages for one low flat charge including: signs, money and securities, employee dishonesty, accounts receivable coverage and much more

>Background checks with preferred pricing

Additional Advantages:

>A.M. Best rated A++ carrier

>Quick quote turnaround

>Superior policy issuance

>Low minimum premium

You can get the broadest coverage at Prime Insurance Agency – Call 888.505.7746 today or check out www.primeins.com