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A Quick Summary of Railroad Property and Liability Insurance

Railroad Property Liability Insurance - Various forms of railroad exposures include short line, regional, light transit, and national among other types. The big specializing insurers, like Lloyds of London, generally...

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Tenant Occupied Home: Do You Have the Right Insurance Policy?

Insurance agent Laizer Schonbrun relates the following about a tenant occupied home client. “Someone reached out to us here at Prime Insurance complaining about how the bank placed forced coverage on his tenant...

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How to Find Precise Insurance for a Demolition Contractor

Demolition work is very hazardous, particularly within urban locations. As far as the insurance coverage is concerned, utilization of explosives along with the consistent threat of a building collapsing while the...

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Back to School: Insurance for the School Bus Contractor

Though public school bus fleets possess a form of self-governing protection, this is not so for the privately-run school bus company. Due to this, the private school-bus operation needs adequate high insurance limits...

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What Kind of Insurance Policy for a Natural Gas Utility?

A natural gas utility is either public or privately owned by an investor. Both types provide the same service to the consumer, distributing natural gas to residential and commercial homes and buildings. Every...

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When You are Not at Fault in a Car Accident

Anatomy of a Car Accident As per a Lakewood, NJ Police Auto Crash Investigation Report, our insurance client was Vehicle #2. Here’s what occurred: Vehicle #1 was driving Southbound on the right shoulder of New...

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Spotlight on Insurance for a Bar

Generally speaking, a bar is the spot where folks meet, drink alcoholic beverages and enjoy the camaraderie and any offered entertainment. Due to related perils, loss history, and client base, property and...

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Zoo and Zoological Society Insurance: A Summary

Zoos have always been family attractions. They are the places where kids and adults view the enclosed animals, gain awareness about them and enjoy a memorable experience. Recent unfortunate events, however, where zoo...

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Not-So-Fun Facts about Floods

A PRIME Insurance Special Report - It’s about 9:20 Friday morning on July 6th in Lakewood, NJ. The early morning’s heavy rain has subsided. There is no longer a need for my windshield wipers’ winding actions. I make...

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Specialty Commercial Insurance: What about Dive Shops?

It’s easy to understand why the property and liability coverage for dive shops is so hard to place. The most vital parts related to underwater survival are equipment and proper training. Mistakes or failures related...

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What Insurance for the Emergency Medical Industry?

Emergency care centers, emergency medical technicians and emergency service organizations all respond to urgent medical situations. Liability is a big concern and one that specialty commercial insurance should...

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Accident Insurance Protection for Your Students

Insurance Coverage Designed for Schools and Youth Groups - We all know that accidents can happen anywhere, but for schools and youth groups, the possibility is especially worrisome. That is why the ability to offer...

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What Kind of Insurance for My Limousine Service?

The ever-growing limousine service business requires insurance geared towards its needs. RELATED: Insurance for the Uber/Lyft driver Limousine services, particularly around cities and airports, can be a one owner/...

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Chemical Manufacturer and Distributor: What Type of Insurance?

Given the poisonous nature of chemicals, those companies dealing with the matter – whether liquid, solid or gas – need a special form of insurance protection. RELATED: insurance for asbestos abatement Chemical...

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Tell Me about about Insurance for Nurseries

Before we can understand the concept of insurance coverage for the Nursery, we must first define the operation. Nurseries are the retail and wholesale market for trees, shrubs and decorative plants. Some offer...

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Info about Insurance for Fireworks Stands

Fourth of July preparations are underway and the excitement is mounting for all the celebrations. Of course, the colorful bursts of light that proclaim the American Independence in the sky year after year play a big...

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Specialized Insurance for Your Pawnshop Business

Pawnshops also are known as pawnbrokers. This type of business gives loans to customers that provide security of valuable items, like jewelry, watches, gold coins, musical instruments, TVs or computers as forms of...

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Professional Liability Insurance for a Document Destroying Company

If you are a document destroying company, your clients make up a variety of businesses, nonprofits and organizations that take the privacy of their clients seriously enough to hire your professional services. Your...

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Insurance: How to Arm Your Armored Truck

Recently, thousands of dollars fell out of a Brinks Truck while it traveled across a highway in Indiana. While just one example of risks involved in the industry, it illustrates how important related insurance...

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NJ Nonprofits: How to get a Security Guard Grant

A Time Sensitive Notice from PRIME Insurance - Security Guard Funding Application for Nonprofits in the State of NJ Following the September 2016 succession of bombs in Seaside Park and Elizabeth, NJ and NY, on...

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Beyond Workers Comp Insurance: Earned Sick Leave Now in NJ!

Workers Comp is an insurance that employers are lawfully compelled to acquire so that in the event of an accident at the workplace, an injured employee will get medical attention and compensation for loss of income...

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Expanded Workers Comp Includes Garages/Auto Repair!

A PRIME Insurance and The Hartford Partnership - PRIME Insurance is proud to announce its expanded appetite from The Hartford. Effective April 30, 2018, we unite to offer superlative auto services coverage. The...

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How Excellent Insurance Service Leads to More

- The PRIME Insurance Gold Standard - At Prime Insurance, we’re accustomed to getting new customers as a result of client referrals. It all ties up with the excellence associated with PRIME. Take the following...

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PRIME: The Address for Excellent Printers Insurance

A PRIME Insurance – Travelers Appetite Guide - Prime Insurance is pleased to offer commercial insurance coverage for all kinds of printers from Travelers Insurance Company. Coverage incorporates pre and post printer...

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Logging Operations: A Look at Related Insurance

No one can argue that the logging industry involves a great deal of exposure to risks. Due to the specific nature of the business, specialty insurance is required. Insurance Coverage for the Logging Company -...

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Salmonella and Other Poultry Risks Require Good Insurance Coverage

The poultry farmer has basic concerns about commercial property losses in regard to storm, flood, fire or bug or rodent infestation and equipment breakdown. But there are other grave worries. Recent salmonella...

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Bicycle Manufacturers and Dealers: The Matter of Insurance

Every industry has its liability concerns and the bicycle industry is no exception. Manufacturers of bikes, as well as bicycle dealers need insurance that is tailored to their specific commercial property and...

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Animal Rescue Non-Profit: What’s the Insurance Angle?

Kindness extended to animals at risk is personified through animal rescue organizations that attempt to save dogs, cats and other animals from being euthanized. Like any other non-profit society, related commercial...

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Carbon Monoxide Risk: How to Safeguard Your Home/Business

A PRIME Insurance Safety Bulletin - The Centers for Disease Control and Prevention cautions homeowners, renters and businesses about carbon monoxide poisoning. According to findings, there are hundreds of related...

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The Spy: What Insurance for a Private Investigator?

Insurance companies, lawyers, public agencies as well as private people hire the services of a private eye. But the very nature of a private investigator’s activities is risky, necessitating related insurance...

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What Type of Risk for the Courier Service?

The recent bomb in a package at a FedEx ground distribution service center in TX highlights the extent of specialty perils messenger facilities face. RELATED: How to respond to a bomb threat Insurance for the Courier...

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National Ladder Safety Month – a Guide to Workers Safety

Ladders are one of the chief sources of injury and death in a place of work. The stunning price tag linked to this has caused a rise in costly workers comp insurance claims as well as a reduced labor force. As per a...

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How a Skilled Agency found a Solution for Cancelled Insurance

A True Story from the Files of Prime Insurance - Recently, Prime Insurance was contacted by an office building owner in Lakewood, NJ about finding related insurance for his commercial property. At first glance,...

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What Type of Insurance for Gun Dealers and Distributors?

Amid the great political debate between pro and anti-gun arguers in FL and beyond, the insurance companies continue to meet the consistent needs of U.S. gun dealers and distributors. RELATED: Explaining active...

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Is Your Laundry Business Covered for Related Risks?

- Insurance for Coin Operated Laundromats and Dry Cleaners - If you run a coin-operated dry cleaning or laundry service, you already know about the distinct exposures you face – both in regard to property and...

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Insurance for the Auto Recycler and Auto Salvage Yard

Recycling auto parts has become a big industry both for the dismantler/recycler and salvage/junk yard. Below are summaries of the associated business insurance coverage. Auto Dismantler or Auto Recycler Insurance -...

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Asbestos Abatement: What Type of Insurance Protection?

Asbestos is a heat resistant, fibrous mineral. While it is miniscule, it is very tough. These fibers have long been incorporated into a broad array of home and commercial products. The problem lies in the health...

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Why Posting Exaggerated Business might Adversely Affect Insurance

A True Story about Insurance for a Contractor - Here’s an interesting narration that may make a business owner think twice before bragging about ‘fake’ activity. Joseph from Prime Insurance recently wrote a policy for...

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How an Insurance Team Helped a Condo Building Owner

It’s the quality of service that often helps an insurance customer more than anything else. A 50-unit FL condo building owner reached out to Prime Insurance for both wind and fire coverage. While wind and fire...

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What You Want to Know about Umbrella Liability Insurance

Whether it is commercial or personal, umbrella liability insurance covers you above the limits of the standard policy. Below you will find a concise summary of the varying forms of indemnity protection. Commercial...

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How Insurance Service can make the Difference for a Pharmacy

A Manhattan-based pharmacy reached out to Prime Insurance for commercial and professional liability insurance coverage. Prime Insurance shopped extensively through its wide network of carriers, most of whom offered a...

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Does Your Small Business have Management Liability Insurance?

There is so much going on in business that it’s easy to forget about the need for management liability insurance protection. But you shouldn’t forget about it. Management Liability Costs Your Small Business - The Facts:...

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How a Distributor Saved Thousands on Commercial Truck Insurance

Insurance Savings in Queens, NY without Insurance Compromise - This is the story of a large food distribution company centered in Queens, NY. With 20 heavy commercial trucks and tractor-trailers that had plenty of...

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Horse Insurance: Farms, Breeders / Boarders and Carriage Risks

Those in the horse business realize that insurance coverage can make all the difference when a loss occurs. The following are three related industries where indemnity plays a significant role. Horse Farm Insurance -...

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Truckers, Trucking Companies: What insurance to get?

If you are a trucker or trucking company, you know about the multitude of risks that apply to your niche of business. You need to collaborate with an insurance agency that is familiar with all of the exposures and can...

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How to Keep Safe during a Nuclear Threat

A nuclear emergency is a potential reality that we need to come to terms with. This includes being prepared with a ready emergency kit consisting of: at least 14 days of non-perishable food and sealed water...

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What Insurance do the Hazardous Industries Need?

Hazardous Industry Mono-Line Workers Comp Insurance - When it comes to the hazardous industry exposure, it is not so much a matter of regularity of occurrences, but the severity of an injury occurrence. This is why...

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Winter Liability: Skating, Ski Operations and Snowmobile Insurance

Winter produces white wonderlands that encourage specific recreational activities. Related insurance protects against the various exposures of liability. RELATED: making ice fishing safer Skating Rink Insurance -...

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How to Handle Suspicious Mail Sent to Your Business

Your business or nonprofit organization needs to pay extra attention to incoming mail. Any letter or package that appears suspicious may contain harmful matter, like a bomb or biological, radioactive or nuclear...

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The UN: Fun Facts about the World Organization

Though touted for achievements that include assisting the world’s poor, combating climate change and maintaining world peace, the UN has invoked classifications of dysfunction, contradiction and discrimination. With...

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