Commercial & Personal Insurance Agency Blog In NJ
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Car Rental Agreement With Red Car on Left View

Car Rental Insurance—Do You Need It?

If you’ve ever rented a car, then you’ve heard the question from the clerk in the car-rental office: “Do you want rental car insurance?”

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Why Your Restaurant Needs Business Crime Insurance

Learn about the different types of restaurant theft and what you can do to protect yourself.

Rain falling on restaurant tables

Weather Insurance for Your Restaurant

Did you know that you can get restaurant insurance against unfavorable weather? Learn more...

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Seasonal Employees can Mean Extra Risks—is Your New Jersey Restaurant Insured?

Hiring seasonal workers? Double-check the paperwork and ensure that your restaurant insurance will cover you if something goes wrong. Learn more...

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Hit the Road but Don’t Forget the Insurance for Your New Jersey Food Truck

What are things to consider with a food-truck insurance policy? Learn more...

restaurant air conditioner unit

When the AC Fails Is Your New Jersey Restaurant Insured?

If your air conditioning fails and it impacts your restaurant, will your restaurant insurance cover business interruption? Learn more...

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Insurance for your New Jersey Restaurant Delivery Drivers

Learn what the liability and umbrella policies included in your restaurant insurance will cover including delivery driving which is typically not covered. Learn more...

Bartender stirring alcohol cocktail with a spoon

Does your New Jersey Restaurant Insurance Include Liquor Liability Coverage?

Do you have liquor liability insurance? You cannot assume that either your General Liability or Umbrella Policy will protect you should you suffer a loss that can be directly connected to the consumption or sale of liquor. Learn more...

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Outside Dining In New Jersey? Your Restaurant Insurance Has You Covered

Is your outdoor dining covered by your general liability restaurant insurance? You may need some additional supplements to ensure full coverage and protection. Learn more...

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Off-The-Shelf Or Custom-Bespoke—Which Insurance Do You Need For Your New Jersey Restaurant?

Should you get an off-the-shelf insurance package or look for something that is specifically tailored for your restaurant? Learn more...

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Get Smart And Save Money On Your Restaurant Insurance

Being smart about your restaurant insurance can save you money upfront and ensure that if things do go wrong, you will be covered. Learn more...

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When Things Go Wrong, Having The Right Restaurant Insurance Will See You Through

No matter how much you minimize your restaurant’s risks, there will always be things that are, simply, outside of your control. Learn more...

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Off-Premises Insurance… is Your Restaurant’s Catered Event Covered?

Learn how off-premises insurance can be important for your restaurant’s catered events. Learn more...

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Group Health Insurance for New Jersey Restaurants

When it comes to buying group health insurance for your restaurant there are seemingly endless online resources. Learn how we can help...

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Making A Claim On Your New Jersey Restaurant Insurance

What are some of the things you can do before you need to make a claim on your restaurant insurance policy? Learn more...

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Staff Shortages And How They Affect Your Restaurant Insurance

Covid-19 and staffing shortages are causing unprecedented problems for restaurant owners and may impact your restaurant and insurance coverage. Learn how...

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Umbrella Policies—Protection For Your New Jersey Restaurant Insurance

Because of the high dollar value of settlements, today’s restaurant and bar owners are choosing to extend their restaurant insurance coverage by purchasing high-limit umbrella policies. Learn why...

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Lowering Your New Jersey Restaurant’s Liability Risks During The Holidays

Before the holiday season gets away from you, it’s a good thing to double check on your restaurant insurance policies. Learn why...

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Does Restaurant Insurance Include Workers’ Compensation Insurance?

With the exception of Texas, every state in the US requires private employers to carry Workers’ Compensation Insurance and each state has its own rules. Learn what New Jersey’s are.

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Does Your Restaurant Insurance Include Employment Practices Liability Insurance And Do You Really Need It?

Most general liability insurance policies specifically exclude employment practices liability coverage and, as an employer of even a small staff, you do need that protection. Learn more..

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Valet Parking And Garage Keepers Liability—Why It Should Be Included In Your Restaurant Insurance

If, as a restaurant owner, you employ your own valet parking staff, it is vital that you add Valet Parking Liability to your restaurant insurance policy. Learn more...

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Even Small Restaurants Need Cyber Coverage As Part Of Restaurant Insurance

Learn why your restaurant insurance coverage should include cyber coverage to protect your business. Learn more...

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Employee Theft—The Biggest Cause of Restaurant Inventory Shortage

Learn why employee theft insurance is an important addition to standard restaurant insurance. Learn more...

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Property Damage Insurance—Essential Coverage for any Restaurant

Having the right property damage coverage is an essential part of any restaurant insurance policy. Learn why...

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Why Your Restaurant May Need Boiler and Machinery/Equipment Breakdown Insurance

Learn the three principal areas of financial hardship that will be covered by Boiler and Machinery/Equipment Breakdown Insurance for your restaurant.

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How Water, Utilities, Sewage Insurance Can Protect Your Restaurant

Sewage back-up, water-pressure interruption, electricity or gas outage… any and all of these can lead to serious problems and often the temporary closure of a restaurant.

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Food Spoilage and Food Contamination Insurance—Who Needs It?

Food spoilage and contamination insurance is a sensible “add-on” coverage for any restaurant or food-related business as part of an overall restaurant insurance policy.

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Liquor Liability Insurance—A Must for all New Jersey Restaurants

As a restaurant owner, the impact of that person acting under the influence can have far-reaching consequences if you don’t have liquor liability insurance.

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With business interruption insurance, an interruption needn’t become a closure for a restaurant

No matter how diligent you are as a restaurant owner, there will always be circumstances that can unexpectedly force you to temporarily close your doors.

cyber security threats to small businesses

Cyber threat not a concern for your small business? Think again.

60% of all cyber attacks are targeted at small to medium sized businesses.

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