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…
Understanding the Fine Line When faced with loss recommendations following an insurance claim, the instinct might be to simply switch carriers. After all, it can feel like a punitive measure. However, there’s more to the story than meets the eye.…
New Jersey Tightens Commercial Auto Insurance Laws New Regulations Bring Higher Coverage Requirements New Jersey businesses operating commercial vehicles are facing a significant change in insurance requirements. The law goes into effect on July 1, 2024. All new commercial policies issued on or after…
Selective Subcontractor Agreements: Streamlining Projects While Mitigating Risk The construction industry relies heavily on collaboration between general contractors and subcontractors. While standard subcontract agreements lay the groundwork for these collaborations, some general contractors might utilize “selective subcontractor agreements” for more…
Why Owning Your Business Doesn’t Mean Skipping Workers’ Comp: A Guide to Verification The freedom and flexibility of being your own boss are undeniable perks of small business ownership. But with that freedom comes responsibility, especially when it comes to…
Scratches, Dents, and Dings: A Guide to Physical Damage Inspections Our cars are valuable possessions, and keeping them in top shape is essential. Whether you’ve been involved in an accident, are purchasing a used car, or simply want to track…
Safeguard Your Small Business with Utica First Business Risk Protection Running a small business is an exciting endeavor, but it also comes with inherent risks. Utica First Business Risk Protection (BRP) steps in to empower you to mitigate those risks…