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Choosing a Business Structure

Protect Against Frozen Pipes

How to Avoid Frozen Pipes During the Winter Months As the temperatures fall in several parts of the country each winter, we’re often reminded about thehazards that come with colder weather. Prepare for lower temperatures and...

Snow No!

Home sharing and your homeowners policy

What is home sharing? There are many types of innkeeper businesses that have been in operation since the beginning of time. Peer-to-peer network agencies, such as Airbnb and HomeAway, have taken the traditional bed-and-breakfast...

Why can't I get insurance when a storm is coming?

A storm is in the forecast, and you check your insurance coverage and decide you need to increase it, lower your deductible or add coverage to your policy. Most likely your agent told you that was not possible because a moratorium is...

Hurricane Season- the Half-Way Point

The Atlantic hurricane season lasts from June to November, peaking from mid-August to late October. We're entering the most active part now. The 2021 Atlantic hurricane season has only just begun, and it follows the record-breaking...

Know the Difference between a Watch and a Warning

We're now in the Atlantic Hurricane Season, running June 1st to November 30th. With NOAA again forecasting an above normal amount of storm activity, you can expect to hear the terms "hurricane watch" and "hurricane warning". Both terms...

What does Flood Risk Rating 2.0 mean for me?

Flood insurance rating is about to change. What does this mean for you? Will your premium increase or decrease with the new methodology?

Do's and Don'ts of Electrical Safety

May is National Electrical Safety Month. Here's some electrical safety tips from our partner at Utica National Insurance which could help you avoid fires and injury: Have electrical work completed by a qualified electrician in...

Earth Day 2021 and our Eco-Friendly Practices

Earth Day 2021 is a reminder to reflect on our businesses practices to see if we're doing all we can to help the environment. We believe what we do individually has a collective impact on sustaining our communities. Here's some things...

Cape May is ranked No. 2 in top-searched destinations!

As reported this week by newjersey.news12.com, Airbnb has released its top-searched destinations for spring and summer across the United States, and one of our local Jersey Shore towns has come in as No. 2! “There are 30 million...

Coverage Limits for Seasonal Occupancy

Second homes give us a get-away from weekday life, and most times is a good investment. They also, however, present more of an insurance risk than your primary residence. The fact that you don’t physically occupy your second home...

New Covid Guidelines for NJ Businesses

With Covid-19 cases rising in NJ, Gov. Murphy has signed Executive Order No. 192 to protect New Jersey's workforce during the Covid-19 pandemic. Beginning November 5, 2020 employers that require or permit their workforce to be...

Business Spotlight: White Horse Wine & Spirits

Introducing White Horse Wine & Spirits, a grocery-store like experience for your entertaining needs! Their philosophy is , it all goes hand-in-hand. Food is the first thing, then comes friends, then comes booze. It doesn’t matter...

Business Spotlight: Realtor Cheryl Huber

Introducing Cheryl Huber, one of our area's leading award-winning realtors. Cheryl and her team have over 35 years experience in real estate, and promote themselves as the best negotiators on the island. With honesty, strong values and...

Business Spotlight: Allegra Marketing, Print & Mail

Introducing Allegra Marketing, Print & Mail, and as the name says, they are your partner and one-stop for your business' marketing needs. Located in Marmora, NJ, they delivery weekly to Cape May, Atlantic and Cumberland counties, and...

Business Spotlight: Inn the Gardens B&B

As locals know, fall is the best time to be at the shore! We'd like to introduce you to the Inn in the Gardens, the ONLY accommodation in the beautiful, quiet, residential North end of the island known as the Gardens. It's an easy walk...

Business Spotlight: Adrian's Property Maintenance and Home Repair LLC

Today's Business Spotlight is on Adrian's Property Maintenance and Home Repair LLC. If you have those home renovation projects piling up, consider bringing in the experts at Adrian's. Owner and operator Adrian Choriw prides himself on...

What does my condo flood insurance policy cover?

FEMA's special policy for condominium buildings Did you know FEMA created a special flood insurance policy for residential condominiums? It's called the RCBAP, or Residential Condominium Building Association Policy. It is designed to...

Business Spotlight: For My Boys Hardwood Flooring LLC

Today's Business Spotlight: For My Boys Hardwood Flooring LLC Their name says it all! Meet Gary, owner and operator of a For My Boys Hardwood Flooring LLC and his boys. Gary explained, “As a family owned and operated business,...

Business Spotlight: Cut and Board

Today’s Business Spotlight looks at a unique local business, Cut and Board. We’d like to introduce Andrea and Sarah, friends who have a love for appetizers, fancy displays of cheeseboards and all things pretty. They are...

We're entering the most active part of our hurricane season

We're entering the most active part of the Atlantic hurricane season. Here's what you can do now to prepare, during a storm to survive and after a storm to be safe. Now/Prepare During/Survive After/Be Safe Sign up for local alerts and...

Business Spotlight: Somers Bay Consulting Services

How is football like a business? When you are busy amid new pandemic protocols trying to get your food served quickly, get those service calls solved, keep inventory on your shelves and keep your customers coming to your business, how...

The ADA and Website Accessibility

Can I be sued for claims that my website is not ADA accessible? Lawsuits under Title III of the Americans with Disabilities Act of 1990 have proliferated in recent years against private businesses whose web sites cannot be fully used...

Preparing your restaurant to reopen

Even though NJ announced this week the shutdown order is extended for 30 more days, we need to begin to prepare for the day businesses can be reopened. It will not be business as usual, but instead changes must be made to keep our...

Missing your office?

Your coffee mugs miss you. You may be missing them as well, if you're one of the thousands of workers who have joined the WFH team. Here in NJ, Gov. Murphy's Executive Order 107 mandated that all businesses are required to reduce their...

Take-out for Easter?

What to do with the ham? This holiday season, Easter, Passover or other holiday you may be observing, will be different for many of us. If you're used to hosting your large extended family for dinner, you'll find instead its one, two...

How does insurance respond to COVID-19 events?

As small business owners, we understand how vulnerable everyone must feel in this ever-changing situation. We are trying to operate our businesses under extraordinary circumstances. The emotional and financial toll is enormous. If you...

6 free things to do with your kids at home

So its been a week or more that most schools have closed, and you're running out of ideas to keep the kids -and you- happy and engaged. For us adults, we may use our time at home to catch up on cleaning closets, watch movies, take an...

What does the coronavirus mean for my business?

We are monitoring the outbreak of the COVID-19 and its impact on our employees and customers. We encourage businesses to follow the latest guidelines and updates issued by the Center for Disease Control and Prevention for businesses....

10 Tips to Reduce Distracted Driving

Have you ever found yourself tempted to do any of these things while driving? Our friends at Travelers Insurance remind us that taking your eyes off the road for even a moment can be deadly. Vow now to follow these tips for safer...

Why do I need an employee handbook?

An well-written and updated employee handbook can be your first defense against a lawsuit brought by an employee. Combined with continual training and an Employee Practices Liability Insurance (EPLI) Policy, and you have increased your...

6 Ways to Keep Your Home Warm

During the winter, you can always crank up the heat to keep your home warm, but there are a few things you can be doing as well to keep cozy while helping to keep the energy bills down. Our friends at Broadley's will tell you how....

Does my homeowners policy give me the coverage I need?

Has your homeowner's insurance kept pace as you transitioned to owning one or more higher valued homes? Imagine a new homeowner buying a first home. A standard policy was probably adequate at that time. Over time, they move into larger...

When Should I Sign Up for Medicare?

If you have been outside lately you have notice that fall is upon us. While generally this means nice sunny days with brisk temperatures and beautiful fall colors, it also means that Medicare Open Enrollment is here! Medicare and...

How to choose a name for your food truck

So you've decided to start a food truck business. Congratulations! Deciding how to brand your food truck may be the most important decision you’ll face as a food-on-the-go entrepreneur. A well-branded truck can draw attention to...

Health Insurance and my College Student

Is your dependent student attending college outside your coverage area? Here’s 6 things to consider. Be sure to contact your carrier or agent for specific instructions on what is needed to extend coverage to your student. If your...

How does my insurance pay for wind damage?

As the eastern coast experienced severe weather this week, its important to understand how your insurance responds to damage caused by wind. Depending on the wind speed, your out of pocket costs will vary greatly. It is important to...

How to Attract Tourists to Your Restaurant

Its almost August, and the tourists are filling our towns. Are they flocking to your restaurant? Here are 8 ways that can help get them in the door from our friends at Modern Restaurant Magazine.

How to Promote Your B&B at a Farmers Market

One of the best things about summer is the abundance of community Farmers Markets! Our neighborhood’s Wednesday Farmers Market overflows the town with visitors who are seeking the locally famous home-made key lime pies, cookies,...

A Home Insurance Claim: To File Or Not To File

Insurance is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance, there may be times when not filing may be the...

How Much Umbrella Liability Protection do you Need?

One million dollars is the minimum amount of coverage for an umbrella policy. However, insurance companies usually offer these types of insurance policies in one million dollar increments and often go up to five or ten million. Some...

Is a drone on your holiday gift list?

What is a drone?The FAA has defined what is commonly called a drone an “unmanned aircraft”. The definition includes all the necessary equipment to operate it (e.g., control station, data links telemetry, communication and...