If your business is undergoing changes to its legal structure or ownership in New Jersey, you might encounter the ERM-14 Form. This form is a crucial part of the process for updating your records with the state. Here’s a breakdown…
Workers’ compensation insurance is designed to protect your employees in case of work-related injuries or illnesses. But did you know that your company’s claims history can directly affect the cost of your premiums? This is where the experience rating modification…
When it comes to insuring your home or business, the type of building construction plays a significant role in determining risk and coverage. Different construction types have varying levels of fire resistance, durability, and susceptibility to damage. Let’s explore some…
As a business owner in New York State, you’re responsible for more than just workers’ compensation. You also have obligations regarding disability benefits for your employees. Let’s clarify what you need to know to ensure your business is compliant. NYS…
If you’re a business owner in New York State, you’re likely familiar with the complexities of insurance and compliance. One document that often comes up in this context is the C-105 form. But what exactly is it, and why is…
Choosing the right commercial roof is a significant decision for any business owner. With various materials and systems available, it’s essential to understand the different types to make an informed choice that meets your specific needs. Key Factors to Consider:…
New Jersey Contractors: Important Updates to Insurance and Bond Requirements Effective immediately, significant changes have been made to the insurance and bonding requirements for Home Improvement Contractor Businesses (HICBs) and Home Elevation Contractor Businesses (HECBs) in New Jersey. These changes…
Have you been involved in a car accident? The digital age has made it easier than ever to access information related to crashes and claims. Services like BuyCrash and CrashDocs offer platforms to obtain detailed reports, but it’s important to…
Guidelines for Employers As an employer, ensuring the safety and well-being of your employees is paramount. One crucial aspect of this responsibility is complying with workers’ compensation regulations. A key component of this compliance is the proper posting of your…
Loss Recommendations: From Suggestions to Requirements? Traditionally, insurance loss recommendations were just that – suggestions. They were intended to help policyholders mitigate future risks and potentially lower premiums. However, there’s a growing trend of insurers transforming these recommendations into something…