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How to Save Yourself from a Flood When in the Car

With hurricanes, tropical storms and floods in the news this very wet season, the frightening statistic on flash floods and car risks has insurance professionals highlighting important safety tips. Get this: close...

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How to Escape a Hurricane’s Path

Tropical storms with the ferocity of the predicted Hurricane Florence demand a determined response that involves evacuation from targeted localities. Besides a proper home insurance policy, residents of NC, SC, VA...

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Questions and Fun Fact Answers about Labor Day

Q: What was the first US state to commemorate Labor Day as a legal holiday? A: On February 27, 1887, Oregon was the first state to observe Labor Day as a legal holiday. The states of CO, MA, NJ and NY followed...

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Contamination: Does Your Business Need Product Recall Insurance?

With recent alerts about dangerous E. Coli and Salmonella infections as a result of tainted romaine lettuce from Yuma, AZ, eggs from IA farms, we’ve almost become accustomed to product recalls. Now with one tragic...

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Back to School Bus: Fun facts from the Insurance Educators

The excitement of returning to school begins with the trip there. Prime Insurance educates you about some related school bus stuff here. 7 Fascinating Details about the School Bus - School buses have been around...

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What Type of Insurance Protection for the School and Teacher?

The educational community has enough exposure to liability that it can fill insurance claims books of examples. Related: how NJ teachers and school staff members can take advantage of related auto insurance...

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How to Tell an Older Adult to Stop Driving

Change is difficult. When it comes to giving up some form of independence, it is even more difficult. Although the older adult may have years of good driving experience to his or her credit, there are factors that may...

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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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Why Speeding in NY (and Elsewhere) is a Big No-No

The first week of August is marked in NY by “Speed Week”, a state-wide campaign to target drivers that speed beyond the posted speed limit. “Studies have shown, speeding kills,” says NY State Police Superintendent...

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Why the Media Needs Insurance Coverage

Media Liability Insurance - “Unhinged...Crazy...Fake” With adjectives like these depicting the media, newspapers, magazines, book publishers, radio stations, TV stations, film program producers, authors and...

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How to Buy Auto Insurance for an Illegal Immigrant

Most US states do not issue a driving license for an undocumented immigrant. The difficulty magnifies because anyone without a license cannot acquire auto insurance. If an illegal immigrant drives and causes an...

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Understanding Insurance for the Day Care Center

Commercial liability coverage for an adult day care center is hard to place. This is due to the administration’s accountability in regard to the delicate state of the elderly placed in their trust. Although the older...

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Insurance for the Antique and Classic Car or Boat Owner

Antique and Classic Car Insurance Americans have a special penchant for refurbishing, looking after and preserving older cars. Hence, you find a host of assemblies, exhibitions, and expeditions sponsored by auto...

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Fun Facts about the Import and Export Business

With President Trump’s new trade laws that incorporate tariffs to imported goods, business people as well as consumers are worried about the impact on global trade. We take the heat off the topic by highlighting...

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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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Why Your Travel Insurance Might Not Cover Related Claims

The weather beckons. Your vacation plans are ready. You purchase travel insurance. You are set to go. RELATED: Will your airline reimburse you for a delayed flight? Many travelers think once a related insurance...

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Why Used Car Dealers Need Specialized Insurance

If you are a used car dealership, of course you need insurance. RELATED: how to buy a used car Like any business, insurance is an essential part of protecting your company from accidents or mishaps that can...

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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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Insurance Facts for the Personal Watercraft Owner

The sunnier seasons of the year beckon boat lovers towards the glistening coastlines. Personal watercraft owners use their vessels to relax and enjoy themselves alone or together with family and friends. The last...

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Fun Facts about Keeping Cool during a Heat Wave

Extremely hot temperatures are forecast for the coming days in many US states, including NJ, NY, PA and MD. Thankfully, we find ourselves in an era where we can enjoy the comfort of indoor air conditioning. Back in the...

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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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Interesting Facts about Homeowners’ Water Damage

The insurance industry knows all too well about water damage in homes across the nation. If the cause is a covered peril, the homeowner’s policy can kick in to help pay for damage to the structure and personal...

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What to Look for in Insurance for the Painting Contractor

Painting contractors can be hired for outdoor or indoor work. This summary outlines the basic coverage needs of both types of painter. RELATED: why insurance for lead paint risks in the 21st Century? Exterior...

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Why it Costs so Much to have Auto Insurance

In an era where many find it difficult to make ends meet, the cost of auto insurance seems to exacerbate the situation for drivers. Bad enough that gasoline prices and car maintenance and repair costs are so high,...

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Insurance facts about Tesla and Other Electric/Hybrid Cars

Of late, Tesla and other electric type cars have gotten a great deal of publicity. These cars differ from traditional vehicles by running mostly on electricity, and by being a far cheaper fuel option than others that...

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Do You Have Proper Insurance for Your Vacant Home?

An unoccupied home has a much higher damage incident rate than an occupied one for the obvious reason –lack of a human presence that monitors risks, such as vandalism, theft and safety issues. The sobering national...

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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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Does Workers Comp Insurance Cover Tick Bites?

An Insurance Coverage Overview for the Construction Contractor - Unlike other industries where indoor work conditions limit exposure to pest risks, the construction business faces the potentially dangerous hazard....

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Why Your Business Needs Equipment Breakdown Insurance

If you are a business owner, medical center manager, or non-profit, you rely on different energy-powered equipment to help you keep your operation running. These may include: Computers Machinery Boilers Air...

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Four Reasons to Use an Independent Insurance Agent

When it comes down to it, we all want the same thing when we need insurance: Precise coverage tailored to our needs The lowest rate possible Accordingly, you will want to use an insurance agent that can locate...

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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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Will You Marry Me: 9 Fun Facts about Weddings

Once the marriage proposal is popped, there’s a whirlwind of activity – and lots and lots of money spent in preparation for the Big Day. PRIME Insurance brings you some of the more interesting things about the grand...

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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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