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Does Your Homeowners Insurance Protect from Lightning Strikes?

One in 200: those are the chances of your home being stuck by lightning, as per the National Lightning Safety Institute. The statistic, along with a 2015 insurance study citing related damages above the $825 mark,...

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Can Insurance Protect a Restaurant from a Lawsuit, Fire and More?

We’ve recently heard about restaurants that have been in the media’s spotlight for asking certain patrons to leave based on political leanings and for taking other actions that may be the basis for a lawsuit. ...

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Someone Damaged my Mailbox, Will Insurance Compensate?

Newly built homeowners join millions of other Americans who collect their mail from curbside boxes. For the US Postal Service that instituted the change, it translates into a multi-billion cost-saving effort....

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Is it Always Good Policy to File an Auto Accident Claim?

While driving down the street, a woman was hit by a teenage driver. Though no one was hurt and the scratch the boy made to her car did not really amount to much, it was an eyesore. The boy’s parents immediately came...

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Small Business: How to detect Workers Comp Fraud

A former NY Port Authority officer pleads guilty to workers comp fraud after getting caught singing in a band while collecting disability from the police department for an injured arm... An actor dances energetically...

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How to Keep Your Business a Safe Place for Your Employees

According to a 2017 Liberty Mutual study, the ten most common causes for serious employee injury come with a hefty bill: more than $60 billion associated with medical and loss of wages payments. Add that to the...

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How to Protect your Auto Shop Property

- Get Good Business Insurance Coverage! - There are so many auto repair shop owners like you that are worried about liability risk exposure. See why getting a tailored NJ commercial insurance policy is your best...

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5 Sure Steps to Protect Against a Tornado

Property insurance exists because damages do occur. Tornadoes such as the most recent ones, for instance, are known to incur tremendous losses. Weather News Coverage Recap A powerful tornado flipped a tractor-trailer...

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How to Best Protect Your Junior Sports League

- Insurance for Non-Profit's Risk Exposure - There's nothing like getting the kids into organized sports activities. But when it comes to little leagues, there's a whole lot more than good fun that's up to bat. ...

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Own an Entertainment Center?

- Amusement Parks, Theaters, Etc. Need Specialized NJ Insurance - Owning an amusement/entertainment center involves more liability risk exposure than most industries. Your operation needs special business coverage if...

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Going away for the Holidays?

- Secure Your NJ Home from Burglary - The holiday season is a perfect vacation time. But while you're away, you worry: is it possible for intruders to break into your home? Will your absence increase your exposure to ...

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Holiday Cooking and Home Fires

How to Avoid the Risk Exposure - Happy Holidays! As you gear up for family fun and celebration, you'll be spending a lot of time preparing time-honored holiday meals. In terms of national statistics, you'll be...

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NJ Shore Area: The Aftermath of Hurricane Sandy

AP Photo by Mel Evans NJ Homeowners - How far have we come in three years? - October 29. 2015 marked three years since the great storm that rocked the Tri-State area. For shore area homeowners, the devastation stood...

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Are You a Healthcare Facility Struggling With Insurance Issues?

You Are Not Alone - Coverage Difficulties - Healthcare facilities, such as nursing homes, aging facility services, mental institutions and the like, share common insurance hurdles. These include: Rising costs High...

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Attention Adult Day Care Owners!

- Question: Is your Professional Liability Policy written on a Claims Made Form or on an Occurrence Form? - Some may not even know the answer, but this query highlights a prime example why an adult day care owner may...

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Do You Understand Insurance?

- Do You WANT to Understand Insurance? - Based on years of experience with dealing with all types of folks, PRIME Insurance has learned that today's customers are different than those of yore. Today, customers want to...

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Own a Pet Care Store?

- Make sure you have the right insurance coverage! - You deal with a variety of pet related products. You're used to lively human chatter along with the all types of animal sounds that accompanying four-legged friends...

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Good thing there’s coverage for lawsuits.

Outrageous Stories About Ridiculous Lawsuit Cases Drunk Driver Gets $300,000 After Crashing Car Linda Hunt of Ontario, Canada, drank one too many at an office party. Following the shebang, she crashed the car she was...

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MetLife Auto & Home Insurance Company and PRIME Insurance Agency

- Leading Insurance Company Selects Top Agency to Serve Business Owners - It's true! MetLife has recently announced its entrance into NJ's business insurance market. As its horizons open to include superior products...

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If You’re a Small Business, You Need Employment Practices Liability Insurance (EPLI).

- Question: What's an employer more likley to get a claim for - employment or property/general liability? - Statistics point to the fact that a business owner is more prone to having an employment claim than a property...

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Hot Enough For ‘Ya? Get the Tips to Cool Down!

Back in January, how we longed for those deliciously warm days of summer! The thought of stepping out of our homes minus any need to wear hats and coats or scrape the ice off the car seems to always bring a wistful...

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“If not for my Umbrella Insurance… My NJ business would be in ruin”

How insurance foresight saved my life's ambition. I worked long and hard to become a leader in my particular industry. Nonetheless, with each notch to the top, I never lost sight of the fact that I could easily tumble...

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How Insurance-Smart are you?

“INSURANCE DEDUCTIBLE” EXPLAINED - We all know that every insurance policy out there comes with a policy deductible. Depending on the policy, your deductible may be in the form of a standard flat fee, such as $1,000 or...

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