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Another Insurance Success Story by a Master Agency

From the Proud Annals of Prime Insurance - The mailed notices about non-payment for a Builders Risk insurance policy should have been adequate warning for our policyholder. Unfortunately, those letters never...

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How Tailored Insurance Protects the Fast-Food Industry

Fast-food establishments that have a take-out menu and/or sit-down accommodations without waiter service have their own set of exposures that require tailored insurance coverage. Related businesses include:...

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When Collector Insurance is an Important Coverage

Insurance for Comic Books, Coins, Stamps, Sports Cards and Other Collections - If you are the collector of comic books, domestic and foreign coins, currency and postage stamps, postcards, beer cans, wine bottles,...

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Which States Rank the Highest Premiums for Auto Insurance?

With the nation-wide average auto insurance premium per year at $1,365, it may be that everybody complains about high auto insurance premiums. Nonetheless, if you live in certain states, you may actually be paying...

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Workers Compensation: When Fraud is Uncovered

We’ve highlighted workers compensation fraud and how it hurts us all before. The following are two examples of fraud uncovered. RELATED: When Workers Comp Discounts Are Available Workers Comp Fraud in TX - Gary...

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Does Fall’s Clock-Change affect Your Driving Skills?

Hello, fellow drivers, say the insurance companies as they warn about the possible negative effects of turning back the clock. Turning the clock back in the autumn season means we are changing our bodies’ sleep...

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Halloween Risk: How to Prevent Auto and Auto Part Theft

The frightening statistic is in, and it’s about real people, not ghosts and goblins. The National Insurance Crime Bureau’s recent study indicates that car thieves favor Halloween over any other public holiday: it’s...

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Understanding Marine Transportation Insurance

Commercial Insurance Coverage for Marine Transportation - Because a bridge is not an economic or probable feasibility in certain geographical areas, there is a need for ferry and other boat operations. These vessels...

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Why it May be a Bad Idea to Get Insurance via the Payroll Company

Payroll can be a real hassle for any business. Using a company that focuses on providing payroll not only saves time, it also helps maintain and record precise calculations and allocation of wages and associated taxes....

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Car Buyers: How to Recognize the Signs of Flood-Damage

A Prime Insurance Special Hurricane Report - Hurricanes Irma, Harvey, Florence, Michael and others like them have severely impacted cars in the region. Experts define any vehicle that has suffered flooding above...

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How to Protect Your Home When You Go On Vacation

Whenever you go away for a few days or longer, there are some important things to take care of before you take your leave. Whether it’s for the holiday season or simply vacation time, Lakewood, NJ Police Chief Greg...

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Why Proper Insurance for Your Condo is Very Crucial

There is a myth out there that many condominium owners unfortunately tend to believe. Let it be known: Your condo association’s insurance does not mean you do not need your own coverage! Condominium owners that use...

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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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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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How to Successfully Buy a Used Car

Buying a used car may be an option for you if the price tag on a new car is too steep. Because of the risk of landing up with a lemon, it’s smart to learn things to consider before taking the plunge. RELATED: how...

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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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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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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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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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Why Cheap Home Insurance May Not be a Bargain

A True Story from the Files of PRIME Insurance - Rachel from our Personal Lines Department shared her recent success story. When a NY client told me that he was able to get a much cheaper insurance rate for an ...

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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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What is Cyber Liability Insurance?

The cost of a data breach and the ensuing harm to a company’s reputation can be extremely damaging. Every businsess needs a thought-out insurance plan that provides protective shielding, as well as management...

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Does Homeowners Insurance Cover Heating, Cooling and Appliances?

The astute homeowner will ask about the coverage that is in place. After all, no one is seeking unpleasant surprises once a claim is made. If you did not realize that your standard home policy may not cover repair or...

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How a Nut Shop Finally Found Tailored Insurance Coverage

For one popular nut and sweets shop, a revelation about their commercial coverage caught the owners by surprise. The Insurance Case of the Wrongly-Rated Candy Store - The Nuttery, located on 16th Ave in Brooklyn, NY...

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PRIME Insurance, Westminster Unite to Benefit Customers

More Insurance Options for Mid-Atlantic Commercial Clients! - - Exciting insurance affiliations benefitting customers are forming at PRIME Insurance! As PRIME joins together with Westminster American Insurance Company,...

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Who Pays for Repairs on Your Home’s Underground Utility Lines?

Surprise, Surprise! The homeowner owns underground utility service lines that lie on the property. Should damages occur, a standard homeowners insurance policy will not cover repairs. The Solution? An endorsement to...

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PRIME Insurance, Plymouth Rock Offer Sports Membership

Auto Policyholders Receive Prudential Center/NJ Devils Benefits - There's more to the benefits that PRIME Insurance/Plymouth Rock Assurance auto policyholders get than great coverage. Plymouth Rock's alliance with...

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PRIME Partners with American European Insurance Group

Heightened Insurance Opportunities for Commercial Customers - - Great news for insurance customers: PRIME Insurance Agency is proud to announce it has been appointed to conduct direct business with yet another...

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Restaurant Owners: Business Covered for Food Contamination?

If you are in the restaurant business, you know that unintentional contamination of food products can occur, resulting in great losses. In fact, according to insurance journals, restaurant food contamination leads to...

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How Recent Hurricanes Affect Workers Comp Coverage

- A PRIME Insurance - PMC Insurance Group Alert - It is painful to have witnessed the devastation caused by Hurricanes Harvey and Irma. Added to the grief are the insurance consequences that TX, FL, GA and SC have to...

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How to Protect Yourself from a Tsunami (or a Nuclear Threat)

Hawaii's residents have learned from history that tsunamis can affect their location. After all, it was just 60 years ago that a distant-source tsunami was created through an earthquake in the Aleutian Islands of...

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How NYC Building Owners Can Register for DOB Boiler Compliance

- A PRIME Insurance - KB Insurance Announcement - The New York City Department of Buildings (NYC DOB) recently launched a new inspection and certification website called DOB Now. As part of our valued partnership,...

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How to Prevent Home Damage from Heavy Rainfalls

Your home is your castle and fortress, shielding you from the outdoor elements. But what happens when the elements begin to damage that stronghold? Heavy rain can and does create vulnerability to your property's roof,...

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How to Keep Your Home’s Value through Cleaning Maintenance

- A PRIME Insurance Homeowners Special Guide - Most of us are guilty of procrastination in terms of household maintenance tasks. But avoiding cleaning jobs for too long may place your home and property at risk....

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Solar: What Insurance for Products, Installers and Homeowners?

In today's age, solar energy products have become more and more popular. In relation to risks, the insurance industry offers the following coverage. Solar Energy Hazards - Solar Energy usage is a growing alternate to...

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Fun Facts about Sales People and the Bottom Line

In the insurance industry, we know that customer service is the number one ingredient to being successful. For those in other areas of the selling market, the same holds true. Whether you are a salesperson or customer,...

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Why Your Business Genuinely Needs Cyber Insurance

- An Overview of Submitted Cyber Insurance Claim Examples - Cyber Ransomware Insurance Claims A NJ nursing home was hit by a ransomware attack of which numerous files became encrypted. The cyber criminals wanted an...

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How to Safely Survive a Storm’s Power Outage

High winds and flooding brought on by severe weather conditions can impact utility lines, leading to power outages. RELATED: how to prepare for a hurricane While a generator can be used to access electricity, there are...

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How to Prepare Yourself from an Imminent Hurricane Threat

- A Homeowners Timeline Guide by Prime Insurance Agency - 48-Hours Prior to a Hurricane's Predicted Arrival: Heed any instructions by local government Go over personal evacuation route Check if emergency kit...

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Why Cyber Insurance for a Business or Organization?

In this modern-era, cyber security has become extremely important for the business world. Risks of malware and data theft hold the frightening potential to paralyze any company, be it large or small. Cyber Facts that...

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Why Landscape and Lawn Care Services Need Special Insurance

Both landscape architects and lawn care servicers need to cover their risk of liability. Landscape Architect Professional Liability Insurance - Landscape architects are university accredited to plan effectively for an...

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How to Get the Most Mileage Out of Your Auto Gas Tank

Whether it's a gas shortage or gas price escalations at the pumps, getting in the know on fuel efficiency is certain to help you get the most out of your mileage. 10 Great Gas-Saving Tips from Auto Insurance Experts -...

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How to Make the Most out of a Traffic Jam

A PRIME Insurance Labor Day Traffic Guide - Unfortunately, traffic jams occur all the time. With Labor Day weekend on the immediate horizon and guaranteed traffic jams awaiting vacationers, these tips on how to make the...

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How to Protect Yourself from a Charity Scam

- Effectively Helping Hurricane Florence Victims in NC and SC - We all have seen the recent pictures of flooded streets, cars, homes, businesses and property along with the look of anguish and suffering on the faces of...

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How to Protect Your Home or Business from a Flood

Harvey's extraordinary pounding winds have made it the most brutal hurricane to barrage the US over the past decade. It is also the most powerful hurricane to hit TX in recorded history. Ray Gratia, a LA Hurricane...

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Why Many TX Homeowners Have Problems with Flood Damage

Heartbreaking. That's the one word that can accurately describe the scenes depicted on TV and social media in respect to Tropical Storm Harvey's resulting flood waters. But the pitiful pictures we see gets worse for...

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The Fun Facts about Spelling Mistakes and Typos

Typos and spelling errors can become a blatant embarrassment to anyone, but face it: all of us are subject to the mistake at one time or other - including political figures. To take the edge off of the error, PRIME...

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Do Police Officers Need Liability Insurance Coverage?

As sure as there are lawsuit cases against a law enforcer in regard to mistreatment, there is a need for related insurance coverage. In this age when the various social and political fractions stage protests and...

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Why Businesses Need to Consider Kidnap, Ransom Insurance

Of late, the US government has issued warnings to US travelers, cautioning them about travel to Cancun, Mexico and other foreign destinations. While kidnapping is not too much of a risk locally, the danger does exist...

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How to Protect Public Places from Car-Ramming Terrorism

Recent events, like those in Lower Manhattan, NY, Charlottesville, VA, Barcelona, Spain and Marseilles, France, Toronto, Canada and London, England, involving the most simple terror tactics – driving a car into crowds...

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