Hope for the Best, Prepare for the Worst

June 5, 2019 / Ross Maghan / Business Insurance

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No business is totally immune from disaster. Every year, businesses temporarily shut down—or close forever—because of a disaster such as a flood, fire or hurricane. Forty percent of businesses do not reopen after a disaster and another 25 percent fail within one year, according to the Federal Emergency Management Agency (FEMA).

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Any Dog Can Bite - A Homeowners Guide to Dog Bite Prevention

May 30, 2019 / Ross Maghan / Homeowners Insurance

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According to the American Veterinary Medical Association (AVMA), as of 2018, there were more than 78 million dogs in the United States, which resulted in 4.5 million dog bites! The Centers for Disease Control (CDC) reports over 36% of households in the U.S. own at least one dog and bites often occur by dogs who are familiar to us.

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Preparing Your Business for Severe Winter Weather

May 30, 2019 / Ross Maghan / Business Insurance, business interruption, winter

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Severe winter weather can disrupt your business and put a damper on productivity. You can prepare for those potential disruptions by distilling your business into three important categories and then taking steps in advance to prevent and protect against them. 

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Data Privacy Day

June 4, 2019 / Ross Maghan / Cyber Liability, cyber security, data breach, data loss, data privacy, online shopping

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January 28th is Data Privacy Day.

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Tips To Avoid Cold Weather Driving Disasters

May 30, 2019 / Ross Maghan / Auto Insurance, winter

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Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter.

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New Jersey & Pennsylvania Snow Plow Insurance

June 4, 2019 / Ross Maghan / Commercial Auto Insurance, contractors insurance

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If you’re a landscaper or contractor whose services include plowing snow and clearing driveways, retail parking lots, or apartment building parking lots, in addition to your regular contracting operations, having snow plow liability insurance – is absolutely vital.

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How To Protect Your New Jersey Contracting Business

June 4, 2019 / Ross Maghan / Business Insurance, carpenter, contractors insurance, electrician, plumber

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Contracting can be a very labor-intensive job which often poses risks to yourself or your employees and can result in property damage, lost, stolen, or broken tools, and vehicle accidents. As a good business owner, protecting your New Jersey contracting business is of utmost importance. 

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Most Common And Most Expensive Causes Of Property Damage

June 4, 2019 / Ross Maghan / Homeowners Insurance

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Researchers at Travelers have recently released their interactive report, The Top Ways Things Can Go Wrong, which identifies the most common and costliest causes of home damage.

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Errors and Omissions Insurance

June 4, 2019 / Ross Maghan / Business Insurance, employee claims, errors and omissions

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What is Errors and Omissions Insurance?

Errors & Omissions Insurance (E&O) helps cover the costs of claims against your business that mistakes or omissions were made in providing its services. This coverage is also known as Professional Liability Insurance. Typically, these claims are made by customers or clients of your business who claim they suffered damages because of mistakes your business committed while providing professional services.

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8 Interview Questions and Practices You Should Avoid

June 4, 2019 / Ross Maghan / Business Insurance

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The U.S. Equal Employment Opportunity Commission (EEOC) has strict laws in place to protect job candidates and employees from discrimination. You should avoid asking job interview questions about age, disability, genetic information, race or ethnicity, gender identity or sexual orientation, national origin, religion, marital status, having children, pregnancy, or planning to start a family.

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