Prime Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Articles Related To…

Holiday Party Host: How to Protect Yourself from Liability

Holidays are a time of celebration. If you are planning to host a party in your home, there’s one thing besides the guest list, menu and entertainment that you need to be cognizant of. Keep in mind that you may be...

Read More


How Insurance can protect the Hunting or Fishing Club

Hunting and fishing clubs own or lease tracts of land and have a membership of hunters and fishermen that pursue the outdoor sport. Adventure and excitement aside, these venues are exposed to a host of liability...

Read More


How Insurance for the Toy Store Protects against Risks

Whether it’s holiday gift-giving season or not, toy stores have their own set of liability risks. Some are common to any business. Others are directly related to the products sold and the clientele that patronizes the...

Read More


Insurance Know-How: The Main Ingredient to Precise Coverage

Homeowners Insurance by the Prime Experts - Here’s just a small anecdote that emphasizes Prime’s proficiency in insurance. A Jackson, NJ customer had a homeowners policy with one of the many insurance companies we do...

Read More


How to Prevent or Handle a Gas Explosion

When a sewer line contractor working in the heart of a residential area in Lakewood, NJ struck a gas line, it sparked an explosion and prompted dozens of home evacuations. RELATED: testing for radon in your home...

Read More


What Type of Insurance for Brownfields Development Sites?

Before we can discuss the necessary insurance coverage for Brownfields, let’s clarify what these sites are. Brownfields development sites generally are unsightly abandoned, unoccupied or underused industrial and...

Read More


Senior Facility Tenants - Renters: Why Related Insurance is Important

If you are over the age of 55 and rent a home or unit in a retirement community or assisted living facility, you need to be aware of the importance of related coverage. Renters insurance is often misunderstood....

Read More


What Insurance Policy for a Video Game and Arcade Center?

Electronic video game centers, including those that offer competitive gaming, have become big business. But along with the profits come the risks. RELATED: video game/arcade center insurance claims examples What type...

Read More


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...

Read More


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...

Read More


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...

Read More


Cold-Hard Facts about Hail and Hailstorms

According to 2017 US National Insurance Claims reports, TX leads as the state sustaining the most hail damage ensuing forceful thunderstorms. A hailstorm sweeping over the Dallas-Fort Worth Texas area on Wednesday,...

Read More


Summertime and Barbecue Fire Safety

Spring turns to summer as families and friends get together in the outdoors to celebrate life. Grilling is as much a part of the season as the warm rays of the sun but here’s the warning: barbecues can be dangerous....

Read More


Auctioneers and Auction Houses: The Insurance Outlook

It’s at an official auction that buying and selling go on through offers, bids and counter bids until the highest bidder claims a purchase. This article deals with the insurance aspect in regard to an auctioneer of...

Read More


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,...

Read More


Does Your Insurance Cover Tree Storm Damage?

The calendar says spring officially starts on March 20th. The recent snowstorms across NY, NJ, PA, MA and other eastern areas certainly would indicate otherwise. What really may concern the home and auto owner when...

Read More


How to Keep Safe when Lightning Strikes

Lightning is that quick flash of naturally released high-voltage electricity that occurs during a thunderstorm. It is extremely dangerous, and results in approximately 60 related fatalities per year. Heating up to...

Read More


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...

Read More


Santa Rosa Fire: Why Homeowners Insurance needs Evaluation

The Santa Rosa fire of October 2017 presently ranks as the most destructive wildfire in California. Known as a violent firestorm that was spurred on by whipping wings, it destroyed entire neighborhoods, devastating...

Read More


What Insurance Coverage for Small Healthcare Business?

Small businesses face unique exposures. In regard to the healthcare business that is not part of a big enterprise, this couldn’t be truer. RELATED: 7 business techniques that should start your day Prime Insurance...

Read More


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...

Read More


Understanding Risk Exposure and Insurance for Youth Programs

- Youth Group Home Insurance - Youth Group homes are designed to house teenagers up to 19 years of age. Besides a roof over a troubled youth’s head, these residences typically provide corresponding individual, group...

Read More


What Type of Insurance does a Library and Museum Need?

The similarities and differences of a public library and a museum are highlighted through the varying coverage needed. Public Library Insurance - This kind of insurance can be written either on a stand-alone basis or...

Read More


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...

Read More


How to Keep Fire Safe in Your Home on Chanukah

A PRIME Insurance Holiday Special - This year, Sunday night, December 2nd marked the first night of Chanukah. Keep the flicker of the menorah, the tastes of holiday delicacies and the memories of miracles-past as safe...

Read More


BOP: What Insurance other Businesses Get

The Business Owners Policy, otherwise known as BOP, can be the answer for your small business insurance needs. Comprised of several coverages that generally come in a separate form, the BOP bundled commercial policy can...

Read More


Lead Poisoning: Symptoms, Treatment and Related Home Insurance

There has been much hue and cry over the 2014 water crisis in Flint, Michigan . At the time, the water supply came into question in regard to lead poisoning. Residential home owners, landlords, and property...

Read More


Why General Contractor Insurance? Because Accidents do Occur!

If you are a general contractor, you know that you are exposed to so many risks. The following highlight actual insurance claims that could happen to anyone in the business. Two Insurance Claim Scenarios - 1. NJ...

Read More


How can I Safely Rake Leaves in the Fall Season?

Fall. What better name for the season when the trees' aging leaves drop to the ground? Of course, ignoring the growing leaf mounds on your lawn, driveway and walkways will not only impede the aesthetic appeal of your...

Read More


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...

Read More


How to prevent Employee Chronic Pain and Opioid Addiction

Every business should be concerned about employee health, safety and accompanying workers comp costs. As the media highlights the devastating effects of workers' pain management and opioid dependency, insurance...

Read More


How a Customer Learned to Buy Proper Vacant Property Insurance

Obtaining insurance from an experienced, reliable and honest insurance agent is the key to knowing you will be properly covered. For one vacant home owner, the promise of savings on a NJ insurance policy could have...

Read More


Overseas Insurance: How to Protect Your Business

Commercial, educational and religious groups traveling overseas face wide international risks. In response, PRIME Insurance has teamed up with the leading companies, like CHUBB, in order to offer the needed protection....

Read More


Meet the PRIME Insurance Agency Team

Focus on Joseph Feldman, P&C Insurance Agent - Joseph Feldman, Property & Casualty Agent at PRIME Insurance Agency Q: Thank you, Joseph, for taking the time to discuss your role at PRIME Insurance. Tell us, how...

Read More


Meet the PRIME Insurance Team

Focus on Laizer Schonbrun, P&C Agent - Laizer Schonbrun, Property & Casualty Agent at PRIME Insurance Agency Q: Tell us, Laizer, how you actually became involved in the insurance field? Laizer: I met a...

Read More


What Type of Insurance Protects the Houseboat?

- Houseboat and Yacht Insurance Coverage - The insurance companies place houseboats and yachts in the same class. Due to this, coverage, policy premiums and indemnifying conditions are comparable between the two. The...

Read More


Seven Spots Where it’s Easier to Catch the Flu

- A PRIME Insurance Winter Health Special - Fever, sore throat, aches and pains...nobody wants to suffer from flu symptoms. One of the best venues of preventing infection along with frequent hand washing is to avoid...

Read More


How to Protect Yourself from Catching the Flu

- A PRIME Insurance Workplace Special - Influenza is a highly contagious virus that may appear in various strains throughout the winter and spring months. Symptoms include: Fever Sore throat Headache Muscle pain Flu...

Read More


Did You Know This about the White House?

A PRIME Insurance Washington, DC Special - Now that a new president has graced the White House residence, it befits the public to know some interesting related facts. Here we go! 6 Fun Facts about the White House - -...

Read More


How to Shop for a New Car

When you are shopping for a new car, so many factors come into play. Aside from individual preferences and lifestyle needs, there is one common facet to cars that all in the market should look out for - and that's the...

Read More


How Small Business Owners Start Day for Success

It doesn't really take much for the business owner to start off right. These quick tips are the recommended way to go among the successful ones in the world of commerce. 7 Winning Early-Day Business Techniques that...

Read More


Why Snow Removal Contractor Insurance?

Let it snow, say the snow-removal businesses and a winter storm never disappoints them. Aside from school age kids and their teachers that get a relaxing holiday on a snow-day, no one could be happier than the...

Read More


How to Remain Safe during a Winter Storm

The National Weather Service announced a Storm Caution in regard to snow for MD, DE, PA, NJ and NY. With possible heavy snow accumulation of 4 to 6 inches, high winds, associated decreased visibility and temperatures...

Read More


The Super Bowl: How to Protect Special Events

As fun and exciting as the great Super Bowl can be for NFL players and watching fans, the managing directors must deal with an unnerving factor: the possibility of liability. Luckily there is Special Events Liability...

Read More


How to Return Home Safe from the Super Bowl

- A PRIME Insurance and Plymouth Rock Alert - With the annual NFL big finale game on the imminent horizon, fans will be heading off to the actual playoffs in Minn, or to watch the games’ developments at local pubs or...

Read More


What Type of Insurance for the Shopping Center?

Whether you are a shopping strip or mall owner in NY, NJ, PA or any other state within the US, national focus on such property has left many wondering if the insurance that is in place is adequate. Below is a general...

Read More


Do Medical Marijuana Companies Need Insurance?

Medical Marijuana certainly does need protective insurance. There are two types of aspects of the industry that require the coverage: Medical Marijuana Crop Insurance Medical Marijuana Dispensaries The Differences...

Read More


Happy Chinese New Year from PRIME Insurance!

A holiday based on the lunar calendar, the ‘New Year Festival’ or ‘Spring Festival’, is officially celebrated in many Asian countries, such as Mainland China, Hong Kong, Macau, Taiwan, Singapore, Thailand, Cambodia,...

Read More


Will Insurance Cover a Limo Damaged by Protesters?

The anticipation that built up about the glory of the president's inauguration was tempered with apprehension. Protests against the new commander-in-chief's ideology could spark unrest and damage to property. Following...

Read More


How to Find Good Insurance for NJ, NY Coastal Areas

- Nor'easter and Hurricane Insurance Protection - As NY, NJ PA, and other states battle a ferocious Nor'easter, the coastal areas brace themselves for damages from associated winds, rain and flooding. This insurance...

Read More