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Is Auto Insurance More Costly for Seniors?

As we age, our eyesight wanes, our reflexes slow down and health just is not the same as in younger years, prompting the use of medications. All this can affect the way we drive. It also makes us more prone to being...

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National Click It or Ticket Campaign Begins in NJ

Your car’s safety belt is one of the best ways to keep safe while driving. In fact, a 2016 study revealed that roughly 14,668 people involved in auto accidents owed their lives to a buckled seatbelt. Police...

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How to Keep Bears Away from Your Home

- A PRIME Insurance Spring/Summer Bulletin - Among other states, NY, NJ and PA boast forests, lakes and countryside that are the envy of the urban dweller. Nonetheless, folks living in rural areas where bears...

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The Basics on Motor Home Insurance Coverage

Motor Homes and Insurance - Motor homes are designed with cooking and sleeping areas to provide the traveling motorist with a home on wheels. As for insurance, the related physical damage coverage expands to include...

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The Basics of Insurance Coverage for the E-Cigarette Store

E-cigarettes are also called e-cigs, electronic nicotine delivery systems, vaporizer cigarettes and vape pens and are used to replicate the feel of smoking. Stores that sell these types of battery-operated smoking...

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Does Home or Auto Insurance Cover Volcano Damages?

What has been called active volcanic fountaining on Hawaii’s Big Island has left residents in devastation, with homes, vehicles and other property incurring extensive damage. For these Hawaiians and others that live...

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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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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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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 there Special Insurance for the Historic Homeowner?

Most insurance companies do not write insurance for historic homes. That is why homeowners residing in houses with substantial architectural design and historical value in relation to the area of location need the...

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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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What about Insurance for Self-Driving Cars?

As the concept of self-driving cars develops to near-completion, the insurance industry delves into the aspects pertaining to the likely possibility of a brand new form of auto coverage. Though still in the making,...

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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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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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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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Are You 1 of the 80% of Drivers Driving Aggressively?

According to an AAA survey, close to eighty percent of US motorists said they have exhibited angry and aggressive behavior while driving. Even more astonishing is the fact that about 8 million drivers were involved...

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The Boat Industry and Related Specialty Insurance

Whether you are a boat manufacturer, boat dealer, boat renter or boatyards/boat repair and servicer, the underlying exposures you face places related insurance as a highlighted commercial necessity. RELATED: what...

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Ten Facts about Distracted Driving Risks

Did you know? Almost half of commuters questioned said they had requested a driver to discontinue texting while driving. Most states consider texting or talking on a cell phone while driving enforcement violations,...

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Do You Really Save with Advertised Cheap Auto Insurance?

The auto insurance companies that broadly advertise lower rates would like you to believe the myth. “Switch to us,” they say, “and we will save you $500 on your car insurance.” “Give us 10 minutes and we’ll get you...

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The Insurance Facts about General Aviation Coverage

- - Aircraft Hull and Liability Insurance - Question: Who provides aviation insurance? Answer: Carrier pools or individual insurance companies generally write this type of specialized insurance policies. RELATED: ...

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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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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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Curious Facts about Auto Accidents from Insurance Files

Car accidents are no joke and nobody like the insurance industry knows it as well. Below, you will find intriguing details about the matter that you may never have realized. Nine Car Accident Realities that Will Get...

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Social Services, Workers – How Important is Tailored Insurance?

Social services agencies and the individual social worker so often are under scrutiny for professional liability. This is the very reason why a tailored insurance plan is essential. RELATED: Church counseling...

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Why the Valet Parking Service Needs Insurance

There are many reasons for valet parking service insurance. After all, when you are temporarily dealing with other people’s vehicles, a variety of exposures can crop up. The following related FL insurance claim,...

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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 the Government Shutdown Affects National Flood Insurance

In midst of a federal government maelstrom where a shutdown brings a cutoff of services, the National Flood Insurance Program is not exempt from the pinch. When the government’s spending authority is put on hold, home...

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How to Prevent a Fire or Burn from Microwave Cooking

Whether you are using your microwave for a quick popcorn snack or for heating up a meal, today’s cooking certainly has become easier due to modern-day’s rapid cooking device. While the convenience associated with...

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Will My Auto Insurance Go Up if I Get a Ticket?

You may have heard that getting a traffic violation summons will make your auto insurance rates climb. This is true. The insurance company studies your driving history when determining your premium. If the company...

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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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Have You Checked Your NJ Home for Radon?

Attention NJ home owners and renters: The NJ Department of Health in conjunction with the NJ Department of Environmental Protection is advising about the risks of radon in property located within the state. In a...

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Why Jewelry Insurance Didn’t Cover a Theft

The title of this blog may throw you off a bit. So, we’ll begin the story with the lesson. Take note: jewelry insurance will never cover a theft if the coverage was never acquired. Related: insurance for the diamond...

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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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Fun Facts about Dressing for the Winter Chill

It’s cold. So cold, in fact that the weathermen are talking about record-breaking lows and that’s nothing to sneeze about, even though plenty of us are doing just that. For the fun of things, let’s take a look at...

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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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Will Homeowners Insurance Cover Skunk Spray Damage?

The cold temperatures of the winter were reaching record breaking lows. Though going outdoors involved layering on the warm clothing and bracing ourselves before meeting the cold, at least we had the warmth and comfort...

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How to Warm Up Your Car in the Cold of Winter

There’s a myth out there that has had car owners letting their vehicles stand idle for a good while so that they can warm up sufficiently. The honest truth according to auto specialists is that if you warm up your...

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Will a Parking Ticket Cause my Auto Insurance Premium to Go Up?

Here’s the dreaded scenario. You casually walk back to where you parked your car. You notice a paper stuck under your windshield wiper. Uh-oh! RELATED: how to speak to a police officer in a traffic stop If you parked...

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Does Your Business Need Related Lead Paint Insurance?

Despite the elimination of lead in paint ingredients by the EPA in 1978, the risks still abound. Below are three different types of insurance that cover the related risks. MORE: Lead poisoning in Brooklyn, NY...

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Will Auto Insurance Cover a Hit and Run Accident?

Recently, a pedestrian was struck by a passing car at the intersection of Cedar Bridge Avenue and Martin Luther King Drive in Lakewood, NJ. The driver did not stop to provide his contact info, or find out about the...

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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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Drones Part of Your Business Operations? You Need Insurance!

The majority of today’s industries are giving drones a try in a variety of pioneering ways. Also known as Unmanned Aerial Vehicles (UAV’s) or Remotely Piloted Aerial Systems, their use in military air strikes,...

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Fun Facts to Share at the Holiday Office Party

With the holiday season upon us, employees across the business spectrum enjoy a taste of revelry at the office party. The insurance industry is no exception to the fun. Get a load of these facts, while sharing them at...

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Winter’s Freeze: How to Prevent Your Pipes from Bursting

If you missed it in science class, here’s an overview of what happens when water freezes: it expands. In regard to your home, cold temperatures can cause the water in your pipes to freeze, expand and cause increased...

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How to Prevent a Holiday Tree and Decorative Lighting Fire

The holiday season comes in stark contrast to the typical bleakness of the winter. Holiday lights and associated decorations lend a celebratory note to the festivities. Though they may be part of the traditional cheer...

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How to Keep Fire Safe in Your Home on Chanukah

A PRIME Insurance Holiday Special - Tuesday night, December 12th marks the first night of Chanukah this year. Keep the flicker of the menorah, the tastes of holiday delicacies and the memories of miracles-past as safe...

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What Type of Insurance for the Cargo Trucker?

Both the single truck owner-operator and the commercial fleet owner share the need for comprehensive commercial transporting coverage. PRIME Insurance knows about the involved exposure. We offer a special insurance...

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Why the Homeowner Needs Fire Insurance More than Ever

Homeowners insurance that includes protection against fire risks is more important than ever before. This is because the building materials used to construct a home are not as fire resistant as in previous times. The...

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Trade Credit Insurance: Coverage for the Distributor

A True Story about Atypical Insurance Coverage - Here’s an interesting story that Prime Insurance’s Laizer Schonbrun tells. Businesses are accustomed to acquiring fire, liability and other common coverages. But for...

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Auto Insurance: How to Skate on the Same Ice as NJ Devils

A PRIME Insurance – Plymouth Rock Special! - Prime Insurance partners with Plymouth Rock to make auto coverage and sports dreams come true! Plymouth Rock’s coalition with the New Jersey Prudential Center and NJ...

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