man paying respects at gravestone

Personal Benefits of Life Insurance

We all have people we care about and who care about us, but how would they cope if you were gone? The loss of a loved one carries with it its own set of painful difficulties, possible financial troubles being one of them. Being unable to fulfill financial obligations, such as your mortgage and utility bills, can have a serious impact on the people left behind.

The primary goal of a life insurance policy is to give money to family members to cover bills and costs while longer-term solutions are sought. A life insurance policy should ease the immediate worry about where the money will come from, typically by paying off obligations such as a mortgage. Yet there are other benefits to getting a good life insurance policy in place. Read on to find out what they are.

Peace Of Mind

The first advantage of life insurance is that it gives you peace of mind that your family will not be financially ruined if the worst happens. While there are many reasons you may choose to get life insurance, we can sum most of them up as 'peace of mind'.

There are many life insurance plans to select from, each offering peace of mind in its own unique manner. The best thing to do if you're unsure which kind of life insurance is going to suit you best is to speak to experts who understand what you need and can help guide you in the right direction.

We Have A Lot Of Financial Obligations

The quantity of financial obligations we all have seems to increase on a yearly basis. Virtually everything now seems to be linked to a contract or subscription.

Of course, when we make financial commitments, we rarely consider dying before we can fulfil them, but what if the worst were to happen? How will such obligations be met? One advantage of life insurance is that it will assist your loved ones with these costs.

You're Buying A New Home

If you die before your mortgage is paid off, the duty of making the remaining payments will pass to someone you care about. Life insurance allows you to be proactive in ensuring that people you care about can fulfill their financial obligations when you're gone.

Life insurance is a kind of coverage that can be beneficial if you have a repayment mortgage or other significant decreasing debt. The longer your policy is in effect, the less money is paid out. This is due to the fact that your debts are reducing, and the insurance is there to help cover these payments.

Monthly premiums for this kind of insurance may be cheaper as well. If you have an interest-only mortgage, level-term life insurance may be more appealing. This is when the payments are fixed, and the policy is in effect for a certain period.

Some mortgage providers insist that you have a life insurance policy in place before they will lend any money, so it will be crucial no matter who you are living with or what your family situation might be.

Planning For Your Funeral

In 2020, the typical funeral cost was about $8,000 - a 0.7 percent rise over 2019. Life insurance for those over the age of 50 may help pay off this debt. Contributions for this kind of life insurance are often cheaper than for others since the pay out is considerably lower.

Over 50s life insurance differs from term life insurance in that there is no set period of coverage; it just exists as long as you live and pays out upon your death. If you're worried about how to pay for your funeral when the time comes, having a dedicated life insurance policy can solve that issue and, again, give you peace of mind.

You're Planning To Get Married

Before you go down the aisle, there are a few things you should think about. Will you, for example, have individual or joint life insurance policies?

Certain life insurance plans, known as joint life insurance policies, are designed specifically for married people. Joint life insurance is helpful for high-wealth couples looking to reduce the effect of estate taxes on their heirs, for example. Although you don't have to be earning a specific amount of money to take out a policy like this.

If either party brings children from a prior relationship into the marriage, there should be a conversation regarding safeguarding the children's assets and inheritance. Because a child cannot receive the funds of a life insurance policy if they are a minor, a trust should be created.

You Have Private Student Loan Debt

If your parents co-signed your private student loans, life insurance ensures that they won't be saddled with the burden if you pass away. Even if your parents were not co-signers, you don't want the ramifications of debt being passed to your estate, particularly if you're married.

Borrowers' federal student loans are discharged when they die. Private student loans, unfortunately, become part of your estate’s liabilities, and whether they discharge your loan is at the discretion of the private lender. This will not be a problem if you have life insurance coverage, regardless of what the lender determines.

You're Self-Employed

If you're self-employed, a life insurance policy is an excellent idea. In fact, if you need to get a business loan, most lenders will demand life insurance, such as decreasing term life insurance, where the bank is the beneficiary to pay off the debt if the company owner dies. As we've mentioned above, it's comparable to getting life insurance to cover private student loan debt.

So if you want to start your own business, you'll need to have life insurance, even if it's not something you would normally think about.

Speak to an expert for more information so you can make a sound decision in terms of what you should do next.

front exterior of home

When Should I Update My Homeowners Insurance Policy?

We don’t need to tell you why home insurance is important, yet updating your policy probably isn’t something at the forefront of your mind. However, knowing when to update your homeowners insurance policy is important because changes to your lifestyle could affect your policy, your coverage, and how much you're paying.

When Do I Need to Update My Homeowners Insurance?

You’ve Renovated Your Home

It's essential to notify your insurance provider when you renovate your kitchen, install a new roof, or add a bathroom to your home. Home renovation improvements can have a major influence on the value of your home, requiring your insurance carrier to adjust your property coverage limits to match the replacement expenses. While this may increase your premiums, it is definitely worth it to have adequate coverage in the event of a claim.

You’ve Invested in Better Security

You're in for a pleasant surprise if you've added or upgraded your security system since you last looked for the best home insurance prices. Many homeowners insurance providers give clients who have a monitored security or fire alarm system a discount.

You’ve Bought a Dog!

Liability coverage for dog bites are included in many homeowners insurance policies. The catch is that you must notify your insurance company about your new family member. If you haven't informed your insurer about your pet before filing a claim, it could affect your policy's coverage.

Your Circumstances Have Changed

If you’ve retired, changed your career, or now work from home, let your insurance provider know. Providers are usually more lenient to those that spend a lot of time at home since it’s less likely they’ll be have their home invaded.

You Have Something Valuable in Your Possession

If you’ve purchased or been given something worth a lot of money, it’s always a good idea to let your insurance company know. They can adjust your premium to protect you should something go wrong. The same works if you sell or give away something valuable. Call to drop your premium!

What To Do Next

Work Out How Much Coverage You Need

Reviewing your homeowners insurance might not be at the top of your home improvement to-do list. However, following the five guidelines described below will save you time and money in the long run.

Following a series of catastrophic disasters, average yearly premiums are estimated to exceed $1,000, with some homeowners facing double-digit rate increases. Have you taken a thorough look at your insurance coverage recently? No? Then dust it off and turn it into your next project.

Your home itself must be your top priority. However, don't base your coverage on the appraised worth of the home, which includes land costs. Instead, use the most recent per-square-foot replacement rates in your area, as provided by your local homebuilders association. The disparity can be substantial.

According to the Lincoln Institute, land accounts for 9% of the average home's worth in New York state. It accounts for more than half of the population in Hawaii.

Is your area vulnerable to extreme weather? Calculate the cost of extended or guaranteed replacement plans, which protect you from inflated labor and raw material costs in the event of a disaster.

Find Out What You’re Not Covered For

If you live in a flood prone area, you may be required to purchase extra flood insurance, which can cost anywhere from $1,700 to $3,300 for a $150,000 building and $50,000 in contents.

Also, keep an eye out for typical exclusions like mold and even broken pipes because of a lack of periodic maintenance. You're aware of the annoyances that can be found in your home. Use everything you've learned to add "endorsements" to your coverage. Have you encountered sewage backups that aren't covered by most standard insurance policies? For roughly $100 to $250 a year, you can insure yourself against them.

Check the Deductible

It's possible that it won't be the same as it was a year ago. Many insurance companies are changing their deductibles from fixed dollar amounts to percentages, which can be a significant adjustment.

To minimize your premiums, opt for the greatest deductible you can afford. However, keep in mind that not all insurers switching from dollars to percentages are lowering prices at the same time. Also, keep in mind that these deductibles are based on the insured worth of your entire property, not just the damage that has to be repaired. So, if your house is worth $400,000, even a 5% deductible may be too much to pay, and you should shop around.

Haggle Down Your Premium

When it comes to renewals, insurers rarely specify how much your premium has increased. So get out last year's documents and make a comparison. If your prices have increased by more than 5%, contact the company for an explanation.

Knowing whether the rise was because of changes in your risk profile or to market-wide increases will aid you in negotiating and comparison shop, which you should do at least every couple of years.

Besides raising your deductible, you can save money by bundling your car and home insurance, which can save you anywhere from 5% to 15% on your premium. Another 15% can be saved by installing security systems, storm shutters, or a new roof.

Get Everything in Line

Once you’ve let your insurance provider know of any changes, be sure to document and file everything that’s happened during the process - including your new premium rates. This way, you can return to this a few years down the line (or sooner if circumstances change). You can return to your documents and ensure you’re always paying the lowest premium for the coverage you need.

Scanning and storing all of that data digitally in the cloud is a good idea. You don't want this vital information to be lost if disaster strikes.

Let's Review Your Situation Together

Contact us and we'll be happy to discuss your current homeowner's insurance policy and how we can improve it. Whether you purchased the policy a long time ago despite changes to your home since or if you blind bought a policy based on a random quote online, we can update your policy so it reflects your current situation and needs.

workers standing in front of commercial vehicle

Protect Your Business With Commercial Auto Insurance

No matter the size of your business, if you have a fleet of vehicles that are used for work, then you need to get commercial auto insurance. You can face a number of risks when your business involves driving, so you need to make sure that you are covered. If you’re not sure why commercial auto insurance can be a benefit to you, or you aren’t sure how it differs from personal auto insurance, you can find those answers and more here.

Risks Faced Without Commercial Auto Insurance

When you have employees out on a job in one of the company’s vehicles and it isn’t insured with commercial auto insurance, it can be a disaster. When the vehicle is being used for the purpose of work, then any personal insurance that an employee has, for example, is no longer valid, so that can’t be something to rely upon.

You can’t cut corners in your business and rely on personal auto insurance for employees to reduce costs because it can come back to affect the business in big ways if there is a work-related incident. As a result, without the right commercial auto insurance in place, the business could face major financial issues. These include:

  • Covering the costs of any damage that occurs to your vehicle, as well as any other vehicle. The costs would need to cover damage to property too.
  • Damage caused by vandalism or accidental damage such as a falling tree.
  • The medical costs associated with accidents that occur to employees, as well as the public, that happen through a collision or when loading or unloading.
  • Damage to your own fleet of vehicles if they are in a collision with another uninsured driver.

Depending on your policy, these are all costs covered by your commercial auto insurance. If you needed to make a claim, it would be much more than the cost of your policy, so from a financial point of view, it can definitely be worth it.

Why Does a Business Need Commercial Auto Insurance?

Getting commercial auto coverage for your business will protect businesses of all sizes against any litigation. This can occur when employees are out on jobs driving your fleet of vehicles, and anything from a fender-bender to a serious accident occurs. There can be medical costs to consider, as well as vehicle repairs, especially if one of your drivers was at fault.

Auto insurance also covers theft or vandalism. Many trade business vehicles can be at risk of theft and vandalism as the vehicles may contain valuable items such as tools and equipment. While your team likely cleared the vehicles overnight, that wouldn't stop a would-be thief from trying to break in. If the worst happens, at least you would be covered with commercial auto insurance.

Benefits to Small Businesses

Small businesses face several challenges, and one of them is the expenses they have to face. Employees are one of the biggest expenses, as you need to make sure that you are paying them fairly and giving them the benefits they want, so they keep working for you. This kind of stability can be expensive for a small business.

If you are not protecting them by making sure that medical costs would be covered if they are injured in one of your vehicles, it can lead to greater costs and potentially put you out of business.

Having commercial auto insurance for a small business is something that can be paid for each month, but still be affordable to suit the budget of the business. You will protect yourself from being sued if an accident occurred, as well as other costs already mentioned. Also, a small trade business would mean some projects or jobs would have to stop if tools were stolen out of the vehicle or someone vandalized the van overnight.

We know that no small business, or business of any size, wants to face these kinds of incidents. However, you never know what could happen in the future, which is why it is best to protect the business with the kind of auto insurance that will help.

You can hire a team of employees who are the most careful drivers out there, but you never know what can happen when they’re out on a job and there is a snowstorm, a jaywalker, or an uninsured driver. By getting commercial auto insurance, you are helping your business and doing all that you can to minimize the risks.

With monthly payments that are affordable, it can be a cost-effective way to protect your business and protect your employees, and keep the business moving even if an incident with your fleet occurs.

Commercial Auto Insurance for Your Business

Having commercial auto insurance means your business is covered when accidents and incidents occur while employees are out driving your fleet to work. It is something that should be standard, especially for trade businesses. If you wouldn’t be able to afford to deal with a costly lawsuit against the business, leaving you at risk of losing your business, then you can’t afford to not have commercial auto insurance.

If you want to find out more about the commercial auto insurance that we offer for businesses based in NJ, then contact our team today. We look forward to hearing from you.

person working on electrical circuit board

The Importance of Insurance in Trade Occupations

If you work in a trade, it is imperative that you have insurance in place to protect your business. Of course this is something that is critical across all businesses today, but most people would agree that this is even more critical when it comes to trade occupations. So, with that being said, let’s take a look at this in further detail.

From Flooring Experts to Plumbers; Insurance Is a Must

Of course, when we talk about insurance in trade occupations, we are referring to the importance of insurance for plumbers, electricians, HVAC, flooring, masons, drywall, kitchen & bath, and door & window professionals, among others.

These sorts of professionals all have their own specific aspects needing to be insured, and this is something that your insurance expert will be able to assist with. They will make sure that all of the risks pertaining to your job are covered by the insurance plan.

Some of the World’s Most Dangerous Jobs

The main reason why people working in trade occupations require insurance is that trade occupations tend to be incredibly dangerous. Some of the most dangerous jobs in the world are as follows:

  • Commercial fishermen
  • Roofer
  • Airline pilot
  • Semi-truck drivers
  • Farmers
  • Taxi drivers
  • Steel workers
  • Construction workers
  • Police officers
  • Telecommunications line installers
  • Mechanics
  • Painters
  • Welders
  • Carpenters
  • Firefighters
  • Security guards
  • Plumbers
  • Removalists
  • Loggers
  • Wastewater treatment workers

As you can see, a lot of the most dangerous jobs around the world fall into trade occupations. This is why insurance is so critical.

Different Insurance Policies Required in Trade Occupations

Firstly, it is vital to recognize that there are a lot of different insurance policies that you are going to require while in the trade industry. This includes employment-related insurance, property insurance, liability insurance, and much more. There are many facets to this, and that is why we recommend you hire an insurance expert.

What Will Tradesman Insurance Cover?

The level of coverage will depend on the specific policy you have and your provider. It will also need to be tailored to suit your specific needs. After all, every business is unique. However, some of the different areas that this type of insurance can cover are:

  • Working on-site
  • Working abroad
  • Quoting
  • Consulting
  • Private jobs
  • Public contracts

Working with an insurance adviser is critical, as they will help you understand the varying levels of coverage that are available to you. They will then be able to provide you with a bespoke quotation to suit your needs.

Some coverage options to think about are efficacy coverage, tools, personal accident, and jury service.

Efficacy cover is designed to protect you against an insurance claim whereby a customer has received a service that did not achieve the job they intended it to. For example, let’s say that you run a security firm and the installation was faulty. If the customer experienced a burglary because of this, they could hold you liable, so efficacy insurance will assist with this.

In addition to this, you can add on insurance for your tools to cover your business against the loss, damage, and theft of them. You can also have the ability to cover tools if they are left in your work vehicles overnight. This is an important add-on to consider if the tools you use are of a high value and would cause significant loss to your business if they were damaged or stolen.

Besides this, there is jury service, which protects your income should you be called up to be part of jury service during a contracted job.

Finally, you'll want to consider personal accident insurance, which will cover you if there has been an accident that has caused serious injury or death on your property. More about this in the next section.

Protect Your Business From Accidents

One of the main reasons you need to have insurance in place is so that you can protect your business should there be any sort of accident that happens on your premises. If a person or an employee ends up getting hurt on your premises, you need to have insurance in place to make sure you can cover the cost of this.

After all, the person is going to need to be adequately compensated for the injuries that they have experienced as a consequence of the accident that has happened.

Accused of Treating an Employee Unfairly?

You also need to make sure that you have insurance in place if you have been accused of treating an employee unfairly. If you have terminated an employee without right, for example, this could be a reason for needing to have insurance in place to give your business protection.

Don’t Forget About Fleet Insurance

It is also likely that you are going to have a fleet of vehicles in your business, and this is something else that requires adequate insurance and protection. After all, you need to make sure that you are protected should your vehicle be involved in an accident or if someone steals one of your vehicles.

Insurance For Trade Workers Is Essential

As you can see, the benefits are plentiful when it comes to having insurance for your trade business. One of the greatest risks that any business owner can have is running their company without the required protection in place. This could result in thousands or even millions of dollars lost. In dangerous trade occupations, the importance of insurance is more critical than ever before.

If you would like to find the perfect trade insurance plan for you, please do not hesitate to get in touch with us today for more information. We will be more than happy to assist you and ensure you end up with the perfect policy for your specific needs.

man wearing a hard hat at a job site and speaking into a walkie talkie

Why Buy General Liability Insurance for Contractors?

As a contractor, there are a lot of different hats you need to wear! One thing you need to do is make sure that your business is safe and compliant. This is where insurance matters come into play. Ensuring that your company has the right level of insurance protection is of critical importance. Failure to do this could see your business in a huge financial hole should something go wrong.

Considering that, continue reading to find out everything you need to know regarding general liability insurance and why you need to buy general liability insurance for contractors. This will give you a better understanding of what to expect from this type of insurance policy and how to choose the right plan for your needs.

What Is Liability Insurance?

When it comes to insurance options for your business, liability insurance is something that is widely considered as essential. Its importance is something that cannot be underestimated. If you have not taken out a liability policy, then you are putting yourself at serious risk and you should seek to find an insurance option as soon as possible.

First and foremost, it is crucial to define what this type of insurance is for those of you who are unaware. In basic terms, liability insurance ensures that a business is protected from any claims that an individual or business may make against them. This means that it protects against anything to do with injury or damage that has been caused on your work premises or because of activities related to your business.

If you do not take out this type of policy and something does go wrong, you will probably find yourself having to pay out a lot of money and your business will suffer immensely because your reputation will be highly tarnished. It's possible your business never even recovers over something entirely preventable.

Why Buy General Liability Insurance for Contractors?

Now that you know what general liability insurance for contractors is, we are going to take a look at the different reasons why you need to have this type of insurance in place. As a contractor, it is highly probable that you are going to have clients visiting you on your own premises or you are going to be visiting client sites. You need to have insurance to cover these situations.

A liability insurance plan will cover you should a third party be injured while you are carrying out work. You will also be covered if property belonging to someone else is damaged as a result of your work. For instance, should a ladder you were using fall onto someone passing by and injure them, your general liability insurance plan will cover this.

It is vital to make sure that you have this type of insurance in place to make sure that your business is protected should a claim be brought up against you. If someone was to make a claim against your business, and you did not have this sort of insurance in place, you would be faced with a massive bill.

This is without even factoring in the reputational damage that would come your business’s way. This is why it is critical to make sure that you have the right protection in place so that your business does not end up being vulnerable.

How Do You Find the Best General Liability Insurance?

There are lots of things that you need to consider when seeking a liability insurance policy. After all, there are lots of different types of this policy available. Moreover, there are a whole host of different companies in the US that offer this form of insurance. Therefore, it is crucial that you contemplate your options very carefully in order to effectively narrow down your search for this insurance policy so that you are left with one desired option.

The first thing that you need to consider is the cost of the insurance policy in question. It is recommended that you search online and get several quotes from different companies; this is so you will get a feel for the average cost of similar policies and you will be able to compare them against one another to find the best option.

Nevertheless, it is worth noting that it is not always good to go for the cheapest option because this is likely to indicate that you will not be covered for as many things as you should be. It is also advisable that you sit down and devise a budget before you begin to search for a policy. After all, you need to make sure that the option you go for is something which you can comfortably afford.

In addition to price, you should also make sure that the insurance company in question is a credible one. You should make an effort to find feedback and reviews regarding the business in question. This is one of the best ways in order to find honest and genuine insight. Moreover, it will make you feel safe in the knowledge that the insurance policy you are going to take out is with a company that is credible and highly sought after.

Furthermore, the insurance company in question should be able to provide you with a wealth of information and their customer service should be readily available whenever you have a query. A lot of insurance companies offer tons of policies nowadays but they never truly explain what they are all about. Websites that provide an in-depth and easy-to-understand insight into liability insurance are always the best to go for.

To conclude, liability policies are something which each and every business should take out if they want to protect themselves properly. If you run a construction business of any nature, you need to make sure that you have the right insurance in place to protect yourself and your business. Contact us and we'll make sure you know exactly what you need.

male construction worker reviewing blueprints with female client

Being Bonded and Insured Helps Complete Projects

If you run a company in the construction industry or have responsibility for a municipality, chances are you want to get your projects completed quickly and efficiently, with as few hiccups as possible. Being fully bonded and insured will help you with this.

Know little about bonding and insuring, or how it can help you get your projects done? Read on to find out all you need to know:

What’s the Difference Between Being Insured and Being Bonded?

A company that is licensed, bonded, and insured is a business that has all the correct licenses required for them to operate, as well as the correct business insurances required to work legally. In addition, it also means that they have paid for another layer of coverage with a bond.

What’s a Bond?

Basically, it’s an extra level of insurance added to your coverage plan. It will guarantee to pay out a specified amount if specific conditions are, or are not, met in the work contract you’ve committed to.

One example of this would be if you were a contractor with a general liability insurance policy. This will protect you against all the usual incidents like trips, slips, falls and machinery based injuries, but it won’t help you pay for extra liabilities such as claims against work that has not been completed to a high enough standard or even completed at all.

Bonds also cover various other things that normal insurance policies don’t cover, ensuring you can get on with the job without fear of losing everything in a lawsuit.

Are There Different Types of Bonds?

Yes, if you’re thinking about being bonded and insured, it’s important to know that there are several kinds of bonds you can use to help complete projects. They include:

Surety Bonds

Surety bonds are contracts drawn up between a minimum of three parties. They are used to protect against any losses caused by one of those three parties not living up to their contractual obligations. So, if you’re a contractor, you would have a bond with your customer and the surety (the organization or individual issuing the bond). If you cannot meet your contractual obligations, the surety will pay your customer the agreed sum.

License and Permit Bonds

License and permit bonds are bonds that are sometimes required by government agencies at all levels. These kinds of bonds can be valid for between one and five years and guarantee the government agency that your company will adhere to all regulations in order to protect the agency and its consumers.

Contract Bonds

Or performance bonds, as they are sometimes known, are a contract bond that guarantees the fulfillment of a company’s contractual terms. They were set up to assure the customer that they would get a certain standard of performance from the commercial contractors they used.

Each party in this kind of bond can specify the materials that will be used for the project, how long the project will take (including a fixed completion date), and any other factors that they feel are important.

These kinds of bonds are normally issued by insurance companies or banks and are typically purchased by contractors in order to secure a particular project. It’s a great way to ensure that customers are protected from a wide range of things, including contractor bankruptcy.

What Are the Benefits of Being Bonded and Insured?

As you can see above, being bonded and insured differs from simply being insured. Insurance policies tend to focus on the contracting company, ensuring that they are covered against litigation, whereas bonds, although they can certainly help to protect contractors, are typically far more focused on the customers.

They give clients various insurances that their work will be completed to a high standard and that, should anything go wrong, they will not lose out financially, and may in fact be compensated.

This makes many more clients far more inclined to hire a particular contractor or commercial contracting company. It’s a fast way to make everyone feel comfortable about the job.

How Much Does It Cost to Get Bonded and Insured?

As you might imagine, the cost of getting bonded and insured can vary significantly depending on a number of factors, including which profession you work in, how much coverage you need, which state you’re operating in, and what type of bond you require.

Often, bonds are paid in premiums, but sometimes you will need to pay a small percentage of the coverage sum amount to secure your bond. So, if, for example, you required a $100,000 bond, they may require you to pay a starting price of $1000.

Surety bonds typically cost more, with 15 percent of the project coverage sum being the average annual premium cost.

Does My Company Really Need to Be Bonded?

Most companies can get by with a standard insurance package, and unless they want to be bonded and insured, there is no actual need to do so.

However, companies and individuals working in the construction industry are far more likely to be bonded and insured. This is not only because it's often a legal requirement, along with the basics like general liability insurance and worker’s comp, but also because it gives customers confidence and speeds the process up.

Of course, if you’re simply mowing lawns and mending cracks, rather than building houses, you may not need to be bonded at all, so always check with a knowledgeable insurer or legal professional before buying a bond.

Keller Insurance Services Offers Bonds

Want to get bonded and insured, while ensuring that you get the right level of coverage for your needs? Whether you’re a municipality looking to protect your interests or a contractor looking to speed up a job, contact Keller Insurance Services today.

parents and kid carrying boxes inside new home

How to Customize Your Homeowners Insurance Policy

One of the most sensible financial decisions a homeowner can make is to purchase homeowners insurance. In many situations, it is absolutely mandatory by a mortgage lender, and it will put you in the best possible financial standing down the road.

But when you are looking for the right homeowners insurance policy for your needs, it can be challenging to find the right one every time. One thing you will want to keep in mind is the possibility of customizing your policy, which you can always do by shopping around and looking at the different options being offered, and most of all by making use of NJ insurance agencies.

Here is just how a decent insurance agency can help you, as a homeowner, find the best insurance policy for your needs.

1. Check on the Necessary Provisions

Homeowners insurance policies vary in what they can provide you, and you need to be fully aware of what you are being offered in each case. Of course, using an insurance agency means that this is going to be easier than ever, but it’s still worth having a sense of it yourself as well. There are some essential things that are sometimes covered by these policies, including:


One of the fundamental things you would expect to be covered is damage to the property, both internal and external, because of reasons beyond your control such as fire or hurricanes.


Often, policies will protect you when it comes to personal liability for injuries caused by situations in the home. However, this is not standard, so it's something you will need to discuss with your agent. If so, you’ll need to seek out the appropriate policy with the agent’s help.

Hotel Rental During Repairs

Sometimes you will need to move elsewhere for a period while your home is being repaired. This of course costs you money, so you might feel it is necessary to seek a policy that provides you with the costs of hotel rental while repairs take place.

More Items Covered

It’s always a good idea to speak to your insurance agency to make sure that you are getting all the provisions you need in a policy.

2. Understand the Major Types of Policies

As well as having a good grasp on what is generally going to be covered in an insurance policy for homeowners, it’s a good idea to know about the major types of policy too. If you are keen to learn more about any of these, then speak with an insurance agency in NJ to see whether they can help you out.

They will already know which type is likely to suit your needs after you speak with them, but understanding the differences yourself is also going to help the process along somewhat.

There are basically three levels of coverage that you need to be aware of:

Cash Value

With this level of coverage, they cover you for the actual cash value of the property in question, as well as the value of all of your listed belongings. Remember, however, that you need to subtract depreciation from this.


At this level, you are getting the actual value of your house and belongings, as above, but without the depreciation taken away. This might be preferable sometimes.

Guaranteed Replacement

This is the most complete and comprehensive coverage, and it gives you a guaranteed amount for whatever it might cost to fully repair your home, even if that goes above the official policy limit.

Ultimately, it is up to you to speak to your NJ insurance agency and decide which might be relevant for you. They are the experts, so speaking to them should explain exactly what level of coverage you are going to need and benefit from, and what they might consider too much or not enough.

3. Choose a Company

This is the major way in which an insurance agency is going to help you out, along with those mentioned above as well, of course. You will find that there is an enormous difference offered between the different insurers in your area, so the choice between them can be quite difficult to get right.

However, with the help of the right agency, you should be able to make this decision a lot more easily, and that is owing to several reasons.

First, your insurance agency is going to have a wider list to choose from, as they have access to many insurance companies which you just don’t have access to.

Plus, they will know about all of the hidden costs and other surprises that might be hard to discover, and they can ensure that they are leading you towards the company that will work out best for you.

With all the headache that can come from trying to find the best provider, having an insurance agency is definitely one of the most sensible decisions you can make. You are going to save yourself a lot of trouble this way, so it is really worth looking into in some detail.

4. Be Flexible

There might be times where you have to allow yourself to be a little flexible with the policies you are coming across. It’s important that you aim to do this as best as you can, as it could help you find the perfect policy much more easily. There will be certain things you don’t want to move on, but as long as you are flexible that should help the agency help you out as best as they can. Ultimately, you can work together to find the best choice for you.

construction worker in hardhat hammering a nail

Workers' Compensation in the Construction Industry

Workers' compensation is essential in the construction industry for companies in New Jersey. Naturally, you may have numerous questions relating to this topic, so we will aim to answer as many of them as possible throughout this guide. By the end, you should have a more thorough understanding of what worker's compensation is, why it's important, and what affects the premiums.

What Is Worker's Compensation?

Worker's compensation is a type of insurance that offers coverage in the event of employees injuring themselves during employment. As a result, it can prevent instances where employees sue the employer for compensation, as it provides benefits for them. This can include paying for medical bills, lost wages, etc.

In New Jersey, the current law is that all New Jersey employers - who aren't covered by Federal programs - must have some form of worker's compensation in place. It's seen as a way of protecting both the employer and the employee if workplace incidents happen.

Why Is Workers' Compensation Vital for the Construction Industry?

While the law enforces all companies to have worker's comp in NJ, it is even more important for construction business owners. When you consider the function and purpose of this insurance, you instantly understand why it's extremely beneficial in this industry.

The construction industry is one of the most dangerous and risk-heavy sectors in the world. Consider all the equipment and machinery that's used every day and the potential hazards you see when operating them. Then, factor in all the other elements of a construction site, and you very quickly have a long list of risks to deal with every day. The simple fact is that a construction company will have more chances of accidents happening than almost any other business in any other industry.

Consequently, the need for coverage is greater than anywhere else. By having worker's compensation, construction companies have a little bit of a safety net in place for the inevitable accidents that will happen. Even with the most stringent health & safety measures in place they will happen. It's not a poor reflection on your company, but more a reflection of how dangerous the industry is!

What are the Benefits of Worker's Comp for Construction Businesses?

By now, we've established that you need to have this insurance, regardless of how you feel about it. As a result, many construction business owners are somewhat annoyed at having to pay for it. They see it as an extra cost that they're forced to pay, so perhaps it will make you see things in a different light when you learn the benefits of having worker's compensation for your construction business.

Protects Your Business From Financial Hardship

Worker's comp works similarly to all other insurances in that it protects your business from serious financial hardships. What would happen if your company didn't have this coverage, and an employee was injured on-site? Legally, they have more than enough ammunition to sue for a lot of money. The fact that you're breaking the law by not having this mandatory insurance is one thing, let alone the compensation claims they can make because of their injuries.

When you calculate the costs of having worker's compensation vs. the costs of not having it, you realize it is a much better financial move. The benefits provided to your employees ensure that they have no reason to go out and sue you. Also, you're almost protected from any legal trouble because you can prove that you do have the insurance in place.

Stops You From Damaging Your Reputation

Similarly, lawsuits are always awful for your reputation. Construction workers injure themselves all the time, but you hardly ever hear about it. This is because the companies have worker's comp, so their wages are covered, and medical bills paid for. It doesn't become a news story as the employee is happily recovering without worrying about their financial situation.

Therefore, your reputation remains intact. However, if you didn't have worker's comp, and they filed a lawsuit, it would make the local news. More people would hear of the incident and your construction company would be painted in a poor light. You could end up with a reputation that's impossible to repair. Thus, any future work opportunities will be few and far between.

How Much Does Worker's Compensation Cost?

Like all insurance types, worker's compensation varies in costs depending on numerous factors. However, we can say that it tends to be more expensive for construction companies, purely because it presents a higher risk for the insurer. There are more chances of accidents happening on construction sites, therefore more chances of having to pay compensation through insurance.

Nevertheless, here are some main factors that influence your premium:

  • Working with heavy equipment or dangerous tools can increase risks, thus raising your premium
  • Working at heights of 15 foot and above will increase the premium because your business presents a greater risk
  • The specific type of work you do can either increase or decrease the premium, depending on how risky it is

Regarding that last point, most construction businesses will have different work class codes that explain the roles of the employees. This includes:

  • Masonry workers
  • Plumbers
  • Carpenters
  • Electricians
  • Other specialty traders

When requesting a quote for worker's compensation, you need to classify all of your employees according to their work class codes. This is because it can have a tremendous impact on your premium - for instance, if you have lots of electricians, the premium can go up as working with electricity is a high-risk job.

How Do You Get Worker's Compensation in New Jersey?

Keller Insurance Services is one of the leading insurance agencies/brokers in the New Jersey area. If you're looking to acquire worker's compensation throughout NJ, please contact us today. You can send us a message via our website, or contact us directly via telephone to talk about your options.

two male and two female contractors looking at plans

Why Is Commercial General Liability Insurance Necessary?

Generally, the following are advantages of an insurance policy:

  • Provision of economic protection
  • Risk Sharing
  • Maintenance of living standards
  • Elimination of dependency
  • Creation of employment
  • Promotion of foreign trade
  • Promotion of the saving culture
  • Enhances a smooth operation of business activities
  • Helps in reduction of inflation rates

General liability insurance (GL), typically known as business liability insurance, is a policy that offers protection from various claims such as bodily injury, personal injury, property damage, and other losses or damages that arise during the operations of your business.

Commercial general liability is structured to protect your business properties when an incident occurs because of a non-professional act that can cause your business to be sued by a third party. The quotes of general liability typically include:

  • Property damage and bodily liability
  • Damage to properties rented to you
  • Medical payments
  • Advertising and Personal injury
  • Products finalized operations

Who Requires General Liability Insurance?

General liability insurance coverage is regularly joined with assets insurance in a Business Owners Policy. Nevertheless, the package is also available to several contractors as a single coverage via the Progressive Advantage Business Program.

As a business owner or a contractor, you are required to have business liability coverage to protect your business activities. A single accident can lead to a lawsuit where you may face challenges while handling.

The best way to safeguard your business is to ensure you have liability coverage that suits the level of the risks that your business faces.

Some clients and employers might also need you to possess a particular amount of general liability before forming a partnership.

General Liability Insurance for Small Businesses

If you operate a small business, you must have general liability insurance, particularly if you own or have rented an office or a commercial building. In most clients’ contracts, general liability insurance coverage is a necessity.

Regardless of whether this requirement applies to you or not, commercial general liability insurance has numerous benefits to small businesses that work directly with clients.

This insurance policy maintains your business's financial stability in case a competitor or a client sues you.

Since general liability insurance offers essential coverage, most small business owners purchase the policy after opening their business. Generally, general liability coverage is not a legal requirement.

However, it is compulsory for specific industries such as construction. Besides, it may be required by clients, mortgage companies, and landlords.

General Liability Insurance for Contractors

If you are a contractor, you may only need general liability coverage rather than a complete BOP. For instance, you may not possess a commercial property that needs property insurance, to cover employees' payments or other operational costs.

However, you are still prone to liability risks due to your work. You may be entitled to receive general liability insurance coverage without the additional packages in a BOP. The Progressive Advantage Business Program facilitates this.

General Liability Insurance Cost

As of 2019, the average monthly cost for a general liability insurance coverage was $53. Note that this is just an average figure, not what you will be required to pay. The specific features of a business determine the rates.

It is also crucial to use money-saving tips and policy rating factors to enable you to determine how to protect your business at a fair price.

Business Owners Policy or BOP

General liability plus other insurance packages are available in BOPs as facilitated by the Progressive Advantage Business Program.

If you require protection of things such as personal property used for business or commercial properties like storage facilities and garages, you may need the protection offered in a BOP.

Importance of General Liability Insurance Coverage

A general liability insurance policy is essential in protecting your business. The following are some reasons why you should consider purchasing the policy:

Protecting the Assets of your Business

As you operate a business, you will have to interact with your supplier, customer, vendors, other companies, and the general public.

In business, there are various human errors since nobody is perfect. Negligence or mistakes can lead to an accident that may cause injuries to the people you are dealing with.

When something goes wrong, your business will be responsible for the losses and damages. Although some claims are manageable, a costly claim can lead to an enormous cost to your company.

For instance, an accident that involves hazardous materials can spoil the surroundings and cause serious injuries to the individuals around.

This can result in an expensive claim. But, if you possess a general liability policy, you can protect your business and its assets by transferring all financial and legal responsibilities to your insurance provider.

Protecting Your Clients

Possessing an appropriate insurance policy provides a positive picture to your customers. Potential clients are most likely to opt for a business with general liability coverage. They consider the business as a dependable company in case smoothing goes wrong.

By possessing a commercial general liability insurance coverage, you can reassure your clients that they are protected. This will boost their confidence in your business.

Helps in Enhancing Client Base

Today, every business is prone to various risks. Therefore, customers expect companies to be appropriately insured before partnering with them. Some businesses, such as construction companies, are exposed to more risks compared to others.

Possessing insurance coverage can be an excellent tool to deal with your competitors. Being properly insured can attract many clients and improve your customer base.

Enhancing Your Business Reputation

You can use your general liability insurance to promote your company by stating you are fully insured and licensed.

It can give your clients an official guarantee. GL is mostly useful for small companies. This type of promotion can improve the reputation of your business.

Peace of Mind

Besides anything else, having general liability insurance for your business can guarantee peace of mind. Currently, all industries in the business world are stressful; therefore, you need a sense of safety.

General liability coverage can enhance your business growth since you will not have many things to think about.

new jersey license plate in a green bush

Finding An Insurance Agency In Gloucester County, NJ

About Gloucester County, NJ

Keller Insurance Services have operated in Gloucester County for 36 years, meeting the insurance needs of thousands of companies and individuals in the Gloucester County area.

Gloucester County is located in the state of New Jersey, with a county seat in Woodbury. The latest Census, conducted in 2019, estimated a population of 291,636 people.

Atlantic City is just northwest of the county, with Philadelphia to the south. Gloucester County belongs to the Camden, New Jersey Metropolitan Division, covering 337.18 square miles in total.

Two of the earliest settlements in NJ were Bridgeport and Swedesboro, which were part of the New Sweden colony in the 17th century.

Gloucester County was officially formed back in 1686 and then declared as part of West Jersey in 1694. Portions were later set off to become Camden County and Atlantic County.

The local economy in Gloucester County NJ

Gloucester is a thriving county of over 12,000 companies and plenty of potential for small business growth.

The local economy in Gloucester County NJ is a diverse mix of many industries, including commercial enterprise, new tech businesses, manufacturing, agriculture, and more.

Growing businesses need top-notch insurance solutions, which is why Keller’s insurance agency is such an important part of the community. We are proud to offer quality support for the local businesses in Gloucester County.

Besides the bustling economy, Gloucester County has much to offer, including plenty of activities to entertain tourists. Visitors love to enjoy the South Jersey wine trail or take a walking tour to marvel at the Victorian architecture.

How does Keller Insurance Services help businesses and individuals?

Keller Insurance Services helps local businesses by providing excellent insurance options, to protect investments and support growth.

Our insurance agency in Gloucester County NJ also offers insurance for individuals. Our various services include:

Auto Insurance

Residents of Jersey need the right kind of auto insurance coverage to protect their vehicles, and Keller Insurance has the expertise to deliver.

Our team of talented insurance agents can help you to find a package that meets your needs, whether that’s minimum coverage or comprehensive coverage.

Flood Insurance

For residents of New Jersey, flooding is a constant possibility, which is why it’s important to protect your property and your family.

Flood insurance packages often vary, depending on your location in Gloucester NJ. With the help of our highly experienced insurance professionals, you’ll get the perfect insurance cover for you.

Business Insurance

Keller Insurance Services can provide you with the coverage you need, at an affordable price. As an independent agency, we work for your business, offering support to locate the best coverage, from multiple providers.

We can help your business to find the right Commercial General Liability Insurance or Commercial Property Insurance. We also offer a New Jersey Business Owner Package, allowing you to access multiple types of cover, at one fixed rate.

Group Health Benefits

Keller Insurance Services provide an all-in-one insurance package for Employee Benefits, Commercial Insurance, Payroll, HR, and Benefits Communications.

Keller’s also provides Health Insurance options for individuals. We’ve helped numerous families in Gloucester County to find the best rates and put their health first.

Medical expenses are a frequent cause of bankruptcy in the USA, which is why it’s vital to find the right protection.

Along with these options, Keller Insurance Services provides Bond Insurance, Homeowners Insurance, Personal Umbrella Insurance, and Worker’s Compensation Insurance in NJ.

Which types of businesses does Keller Insurance Services support?

Keller Insurance Services supports a diverse range of businesses, including plumbers, snow removal businesses, landscapers, and retail stores.

Keller’s services are also here to support homeowners, providing insurance coverage to financially protect your assets. Our knowledgeable agents can explain why homeowners insurance is important, and help you find the best options.

Our insurance agency in Gloucester County NJ, supports the local community in many different ways. Whether you’re a startup or an established business looking for a new solution, we can help.

Why do businesses need the right insurance cover?

No matter which type of industry you operate in, General Liability Insurance is essential.

If your company is sued, for accidental damages or incidents, it’s important to have cover. Examples include instances of property damage, bodily injury, personal injury, or medical bills.

According to Forbes, "Statistics show that somewhere between 36%-53% of small businesses are involved in at least one litigation in any given year and 90% of all businesses are engaged in litigation at any given time."

Business insurance policies vary, and the type of cover you need will depend on your industry and operations.

There are many different types of business insurance, and Keller Insurance Services can offer expert advice, to help you find the coverage that’s most suitable.

Why choose Keller Insurance Services?

There are plenty of benefits to purchasing with Keller Insurance Services:

We put clients first

Keller Insurance Services are proud to be an insurance company with a difference. We only do business with ‘A’ rated carriers, and we don’t use brokers only direct contracts or middlemen.

Operating in this way allows us to do what is best for the client, and provide a top-quality service.

We are a highly experienced agency

Keller Insurance is a family-owned agency. As we deliver on our client’s needs, we strive to treat them as part of the family too.

Robert Keller has worked as an insurance agent since back in 1979, and Theodore Keller, since 2001. The rest of our team includes plenty of highly experienced agents, delivering an amazing service every time.

We make insurance simple and affordable

Keller Insurance services strive to be the best insurance agency in Gloucester County NJ. We aim to make insurance easy and affordable, whether you’re a business or a homeowner.

With 24/7 billing and an online service, insurance solutions have never been simpler. For more information about our full range of insurance services, reach out to us today.

dog with sunglasses driving car

Car Insurance in NJ: Tips for Getting the Best Coverage

Like any insurance, getting cover can be really helpful in times where you might need to make a claim. That financial compensation can help provide support when it’s needed to replace your most loved and valuables items.

Your car is something you definitely want to get insurance for as there can be many dangers and damage that can happen to your car and to your loved ones while in them.

With that being said, let’s go through the best tips and advice when getting car insurance in NJ.

What is Car Insurance in NJ?

Car insurance is something that we all need in order to be able to drive on the road legally. Without it, you’re tempting fate that could result in an accident where you don’t have coverage to repair your car.

You could also face a hefty fine or even legal action that can result in the loss of your license. When getting car insurance, it can help you get a payout if your car gets stolen, if it’s vandalized, catches fire or you’re involved in an accident.

You could be the safest of drivers, but when it comes to insurance, you will be protected against anyone that might damage your car or may cause you to damage your own car.

When it comes to claims, you only must do it if you’ve had an accident and the fault is on your own. If it’s not and it’s caused by someone else, it should be their insurance that pays out instead.

Why is car insurance important?

Car insurance in NJ is certainly important, as it provides that financial payout when you find yourself without a car or one that’s been severely damaged.

A car is an expensive commodity, and for many of us, we rely on it to get about in our daily life. So what types of car insurance are out there and worth knowing about?

When living in NJ, care insurance has a minimum requirement for the most basic of policies. This provides $15,000 for personal injury protection and then property damage of up to $5,000.

There are also additional add-ons worth considering too. As this is a basic policy, there is going to be plenty of upgrades that you can make in order to help prevent further losses to you as a driver.

When purchasing auto insurance, there are certainly some top tips that can help you get the best coverage possible.

Tips to get the best coverage

The more coverage you can get, the better. You want to think about what you need for your car and your personal circumstances.

So with that being said, in order to get the best coverage, here are some tips to get the best coverage.

Shop Around

There are so many different offers and providers of insurance on the market that at times it can be pretty overwhelming.

However, in order for you to get the best coverage, you want to find something that covers all your needs but that’s affordable.

The balance can be difficult to find, and so it might be useful to look at comparable websites that you enter all your information, and it pulls up all the relevant providers who can offer what you need.

Rates can also change and vary, so it’s important to keep an eye on your insurance, and when it goes up with your current provider, explore the market again.

Beware Of Scams

We all like to believe that everyone we meet and interact with is a genuine individual, but there are those out there with ill intentions

That also means that there are a lot of scams and crooks out there who will want to take advantage of those who might be less experienced or naive to what is legitimate or not.

In order to avoid this, you want to look out for telling signs of a not so genuine company and go with someone who has a good reputation.

Drive Safely

It’s always important to drive safely.

Keeping at a safe speed, being wary of those around you, and remembering the core lessons that you learned during your initial driving lessons are all essential.

If you find yourself forming bad habits when driving, then correct yourself on these, sooner rather than later.

Maintain A Good Credit Score

A good credit score is important to have because it’s going to affect what types of insurance are available to you.

Credit checks are often run when you’re taking out insurance or borrowing money, so it’s always good to stay on top of what your score is and what you can do to improve it.

You can improve your credit score by getting a credit card, registering to vote, and also paying back any loans on time.

Use A Broker

You can get brokers for a lot of the things you buy in life, especially when it comes to the pricier purchases.

Car insurance brokers can be a person or a company that researches the market to find you the best deals.

It cuts out the effort for you so you can sit back, relax, and know you’re covered whenever you get into the car.

You tell them what you require, and then they’ll go out and find the best option for you and your needs. A broker is definitely a good option!

Pick The Right Car

The type of car and age of your car particularly can influence how much insurance you pay and what deals you get access to.

It’s very important to consider the car you purchase and if there’s one that is going to be better financially with insurance, then opt for that one.

Getting car insurance in NJ is important, and it’s good to know exactly what you need when it comes to insurance in NJ. Make sure you are getting the right coverage for your car, no matter what.

retail store with open sign out front

Retail Insurance in NJ: Storefronts That Need Coverage

If you are the owner of a retail store in New Jersey, you must take the right steps to protect the future longevity of your company.

Your business could be more vulnerable than you might assume and there are various costly issues that could hurt your company in the long term.

The best way to guarantee that your business is protected will be to ensure that you do have the right insurance in place.

There are many forms of retail insurance in NJ that could apply to your local business, so it is important that you explore all the options available and that could be relevant for your company.

Type Of Retail Insurance Policies

It’s important to note that there are numerous different types of retail insurance policies. Some of these could be more relevant to your business than others.

You might find that certain elements of retail insurance in NJ are covered through your business owner policy. However, this won’t be the case for every type of retail insurance that could be useful for your company.

For instance, you might have signage around your business. Signage can be a vital element to get foot traffic for your business and it could be a vital part of your business brand identity.

With retail insurance, you can protect expensive signage and ensure that you can replace a sign that is lost. You might also require insurance that covers your loss of income.

This could be because of the suspension of operations for your retail store and it might also cover any additional expenses that came into effect after your business closed down.

You might also need to consider protecting computer property in your business. This includes any computers that are relevant or vital for your business model and could include cables and software.

Be aware that you can typically customize your policy to include everything that you want or need. For instance, if you are holding a vast amount of data on your customers, then coverage for data compromise could be relevant for your business.

You might also want to cover for employee dishonesty. This will provide financial coverage in the event that dishonest acts by an employee result in significant financial loss.

Why Are They Important?

The primary reason that this type of insurance is important is to protect your company from a potentially massive financial loss. As you can see, there are many threats that could affect your business.

You need to be aware of these issues and take the right measures to protect your business. With the right coverage in place, then you won’t have to worry about ending up with a heavy bill that you won’t be able to afford.

Larger businesses will typically be able to cover some of the costs we have mentioned out of their own pocket. However, smaller retail stores can run into great difficulty here and could ultimately find that they cannot recover.

What Are The Risks Of Not Being Covered?

If you don’t have the right coverage in place for your retail store in New Jersey, then you will have two options. You can first consider paying the costs out of your revenue stream.

If you are unable to do this, then you might need to take out a loan to cover the costs we have mentioned. Either option could ultimately leave your business in the red and leave you struggling to remain open.

Once the debt starts to build, it’s difficult to keep it under control. Even a couple of these issues could leave your business in a difficult situation and struggling to stay afloat.

Don’t forget, there are numerous risks that you won’t be prepared for or covered if you don’t have this insurance in place. If your property is damaged due to natural issues such as a tree falling in a storm, then you won’t be able to claim to cover the costs.

Instead, you’ll need to pay the damages and this could result in renovation work that costs thousands of dollars. Alternatively, it’s possible that a customer or employee is injured on your premises.

Don’t forget, you will be liable for the damages from an injury like this, particularly if the accident occurred because of a hazard that you should have corrected.

A claim like this could cost hundreds of thousands in damages, depending on the extent of the injury, and will be enough to force you to close your doors. With the right insurance coverage, you can avoid this issue completely.

What Small Businesses Will Require This Insurance?

It’s difficult to narrow down the types of small businesses that could require this insurance. Ultimately, if you are running a small business that sells products on the market, then this coverage could apply to you.

Clothing boutiques, bridal stores, gift shops, auto part stores, game shops, toy stores and much more could all benefit from this type of insurance.

Without this type of insurance in place, then you will put your business at a significant level of risk. Ultimately, you could struggle to keep your doors open, even after just a couple of claims.

We hope this helps you understand the key considerations that you need to keep in mind when you are selecting retail insurance in NJ for your company.

In doing so, you will guarantee the longevity of your business and ensure that you don’t end up with heavy financial costs that will be impossible for you to recover from.

Without the right insurance, a significant legal claim could knock your business off the market completely. It is worth carefully researching the different types of retail insurance options available to find the right coverage for your needs.

It’s possible that you won’t be able to afford every type of coverage so it’s important to prioritize here. You might also need to think about protecting your business from the issues that come with the greatest level of risk.

a female in the kitchen fixing pips

Plumber Insurance: Fixing Pipes & Protecting Your Business

Any plumbing business needs insurance coverage, just like any other business. Before delving into the basics of plumber insurance, keep in mind that:

  • The type of insurance you need depends on your type of business
  • Some insurance covers are required by law
  • Policies range from property damage, accidental injuries to vehicle and equipment

The plumbing trade is lucrative, but it has its fair share of risks and challenges. It can be affected by many hazards like injuries in the line of duty or damage to the client's property.

Plumbing insurance comes in handy to protect your business against certain perils.

There’s a coverage designed for every type of risk your business is likely to face. This absolves you of the liability of meeting the cost of the expenses that follow an unfortunate event.

Whether you're a plumber, pipefitter, bathroom installer, or heating engineer, the law requires you to have some types of coverages.

Types of Plumbing Insurance

There are several standard insurance policies available for plumbers. Knowing what each entails is an essential step towards finding the right coverage for your business.

Some of the policies are as follows:

Business Owner Policy (BOP)

Ideally, when looking for plumber insurance start with the Business Owner's Policy.

It covers your business just like homeowners insurance protects your home and possessions. This option helps you cut down on insurance costs as it provides three crucial coverages in one.

General Liability Insurance

The first coverage is General Liability Insurance that meets the costs of personal injury and property damage. It covers a client who gets injured while at your shop or any damages to the client's property.

The coverage also protects you from some claims of slander and libel. However, it doesn’t cover your own mistakes in plumbing services. For such coverage, what you need is a professional liability policy.

Commercial Property Insurance

This policy is for the physical location of your business. It also covers the equipment, whether the property is owned or leased.

Business Income Insurance

This policy can help you recover any income lost. It comes in handy when your business encounters damages like a fire outbreak.

Commercial General Liability

This policy covers accidental injuries and damage to property in the course of work. In some jurisdictions, you can obtain a plumbing contractor license without proof of general liability insurance.

The insurance is imperative and includes:

  • Costs of repair for property damage to a client’s home
  • Physical injury to customers, leading to a court case
  • Problems with plumbing installation

Worker’s Compensation Insurance

Workers' comp is directed towards covering the medical bills or employees injured at work.

It also meets the payroll costs for the period an employee is away from work. It helps in ensuring your employees get medical care and can still support their families following an injury.

Good enough, this policy protects your business from possible lawsuits. Remember, these can be costly and time-consuming.

In many states across the United States, you may not operate a plumbing business without this policy. However, the requirements differ from state to state, especially for companies that hire contractors.

Commercial Auto Insurance

Your technicians spend much of their time on the road in company vehicles from one job to another.

If an employee from your company is at fault in a car accident, the consequences can be costly. This is especially true where there are injuries caused to another motorist.

In most states, all registered vehicles have to carry liability insurance; the same way personal vehicles have insurance coverages.

The policy protects your company vehicles and employees in case they get into an accident. It protects it from damage, medical bills, and theft, or vandalism.

Commercial Property Insurance

Plumbing businesses need property insurance to protect commercial property investment.

This includes the tools and equipment, as well as the office space. It covers both owned and leased property within the premises from fire and vandalism.

Product Liability Insurance

Public liability insurance isn't a legal requirement, but it's a wise idea to have it.

It's instrumental in protecting you against financial liabilities associated with faulty products. It comes as part of the standard Tradesman Saver package.

If your business installs or sells a product that later causes damage to a client's property, this insurance comes into play.

For example, you may install a radiator that leaks and causes extensive damage to your client's property. The client can file a lawsuit against you.

If the leak is a result of a fault in the radiator, the insurance will compensate.

However, this insurance won't cover leakages as a result of faulty installation. The claim will be passed back to the manufacturer but will first be made to you as the plumber.

Inland Marine Insurance

This policy provides financial protection for a plumbing business that doesn’t remain in a fixed location.

Only get the policy if your business is not covered under the standard commercial property insurance. The coverage is for tools, supplies, equipment, and anything else the company frequently transports.

The range of equipment ranges from drain snakes to caulking and soldering machines. The policy coverage compensates you if the tools are damaged in transit or on the job site.

The list of plumber insurance coverages available is non-exhaustive. You must know what your business needs most.

If you can't afford every policy, consider buying the policies required by law first. With time you can diversify your options.

Find the Right Insurance for Your Business

After familiarizing with the types of plumbing insurance you need for your company, you need to find a reliable provider. Insurance companies are in plenty, but their services differ.

One factor that differentiates them is the cost of the policies.

Some factors insurance companies consider when giving you a quote include the location, business size, number of employees, and claims history.

Ensure you shop as far and wide as you can before settling for any insurance company.

For your plumber insurance needs in West Deptford, NJ, look no further. Talk to Keller Insurance for reliable and affordable plumbing business insurance services.

A truck with a snow plow removing snow

Snow Removal Insurance for Landscapers & Contractors

When winter is on the way, it brings with it some dangerous conditions that can impact your life as a landscaper or a contractor or your business as a snow removal business.

When you have a small business, you need to carry on with what you are doing, no matter what the weather is doing, to grow the business and to thrive.

If you work in snow removals, then you need to run your business effectively to serve your local community and your customers.

Winter Risks

There are some additional risks in winter, as you will want to keep yourself and those around you safe, when you face scenarios like excess snow.

You would need insurance to help protect you and your business, because there can be risks to your employees and customers with slip-and-fall accidents. This could be due to equipment, or because of an injury that has resulted from snow removal.

There are also some other risks that you might not have thought about before, such as property damage that could be caused by what you do, and things like slanderous comments that a member of the team could make about a customer.

No matter what your business does, if it involves landscaping or being a contractor as winter approaches, snow removal insurance is a must. With the right insurance you can feel empowered to do your job, and know that you are covered should something occur.

Types of Coverage

We at Keller Insurance Services know and understand the specific risks that are associated with small businesses in winter, which is why we can help to customize the kind of business insurance or snow removal insurance that you will need to be specific for your business and your needs.

The kinds of insurance that we could help cover you for are listed below, but what will be relevant to your business will depend on your individual business needs.

General Liability

When you are looking for snow removal insurance, there will be some basic coverage to cover things like minor injuries, damage to property, and other areas of liability.

This is the most basic kind of insurance to have. In fact, some customers may not let you start work without it.

When you have general liability insurance in place, you can easily expand on it by getting some more detailed or comprehensive coverage later down the line.

Commercial Umbrella Liability

Commercial umbrella liability insurance is a kind of insurance that can be treated as an add-on to your general liability insurance.

A lot of insurers will use this kind of insurance to give you a little bit more comprehensive coverage to any existing liability policy that you have.

This is something that is so important when there are any legal issues that arise, such as a major injury to yourself or others, as the payout can help with medical bill costs and deal with any settlements, should that be the case.

It can be a good ‘extra’ to have when you look into snow removal insurance, and more often that not, it isn’t too expensive to add it on.

Commercial Property Insurance

As a small business owner, you may have a commercial property where you do your work from.

As a landscaper or contractor in snow removal, you might not have an office to work from, though you may have a warehouse or building where you store your equipment, tools, and materials.

Having this kind of insurance for a commercial property means that the property will be covered should there be something like water damage to equipment and tools from a flood, a fire in the warehouse, or theft.

If you want to make sure that your business can carry on as usual, should a disaster happen, then you will need this kind of commercial property insurance to make sure you are covered, and can get equipment or tools replaced, as well as the commercial property taken care of.

Commercial Auto

You are likely to have vehicles that you use for your landscaping or contractor business, and have some specific vehicles used for snow removal.

Anything that you use for snow removal, as well as vehicles used as trailers for mowers, need to be covered with a commercial auto policy.

When you use them for work, it is different than getting regular car or vehicle insurance. Vehicles that are commonly covered under these policies tend to include vans, trucks, utility vehicles, and snow removal vehicles.

Business Owner Insurance

When you are a business owner, having some specific business owner insurance is important.

Generally, this kind of insurance is a combination of general liability insurance and commercial buildings insurance.

It means that you will be covered should anything happen to your business, as well as customers, employees, or your commercial property, no matter where you are.

Worker’s Compensation

If you have a team of people that work for you as part of your landscaping business or your snow removal business, then being covered for worker’s compensation is a great idea.

In the hopefully unlikely event that you have employees that get injured doing their job, then something like worker’s compensation will help to cover the cost of any related medical fees, time off work, and other expenses that are related.

If you use some dangerous equipment for your landscaping or snow removal business, which is likely to be very high in these industries, then worker’s compensation really is a must, as it is better to be safe than sorry.

If you need any more advice on what would be needed for your landscaping or contractor business, then don’t hesitate to get in contact with us today.

With years in the industry and local knowledge specific to the winter conditions in New Jersey, we can help to advise you on the insurance policies that can be a benefit to your business for snow removal.

What is the Purpose of Workers' Compensation Insurance in NJ?

What is worker’s compensation? Worker’s compensation insurance in NJ is coverage designed to grant harmed or injured employees with a set form of monetary allowances.

The laws are set up to prevent the incurred costs of being made unable to work, as well as the necessary coverage to help with recovery costs.

Worker’s compensation also protects businesses in that it has been designed as a means to properly provide injured employees with the means they need to move forward.

This discourages and actively bars the legal standing for resulting lawsuits.

In this way, it’s better for companies, it provides employees with the necessary grounding and payout to forgo worry about finances thanks to wage replacement or easier access to disability compensation, and it also provides both parties with a solid path forward.

To that end, it’s no wonder these laws have been designed and enforced.

Remember that each state may hold their own specific laws surrounding what form worker’s compensation insurance will take in NJ. That being said, all states do require this as a form of necessary insured protection.

In New Jersey, worker’s compensation can be provided by Keller Insurance Services.

How Is Worker’s Compensation Insurance Affected By New Jersey Law?

Worker’s compensation requirements are defined by injuries that occur while performing a work task. If the injury itself requires more than a first-aider’s response, and is suffered by someone earning a tax-deductible income, the coverage applies.

If you hold one or more employees in your business, you are required by New Jersey law to provide worker’s comp insurance.

This will include temporary employees, or those on a part-time basis. If they accept salaries or hourly wages, and pay tax contributions, they require worker’s compensation insurance.

That being said, additional employment types, such as subcontractors, volunteers, and interns do not require this sort of coverage.

Another nice element of worker’s compensation insurance in NJ is that employees will be entitled to said compensation no matter where the fault lay in the accident or event leading to the injury.

A change to the law has also shown that workers can not directly sue the company for accidents contributed to via company negligence. The employee must move through the correct worker’s insurance compensation to make their claim.

DWC, the Division of Worker’s Compensation, is the legal body that oversees for the administration of New Jersey Worker’s Compensation Law (N.J.S.A. 34:15-1).

In the year 1911, the State of New Jersey enshrined worker’s compensation coverage as mandatory in employment law, putting coverage responsibilities on the direct shoulders of those hiring staff. This holds limited exceptions, such as if certain staff are already protected via federal programs.

Sixty-eight years later, in 1979, further reforms took place. The State of New Jersey found it appropriate to adjust the coverage sums to provided further necessary financial compensation to those suffering from disabilities sourced from injury.

This was designed to ensure those who could not return to work for a time were able to keep up with the rising cost of living.

In the same stroke, they also reduced disability benefits for those who were expected to make a full recovery or those who were only temporarily taking time off work.

Does My Business Require This Coverage?

If you plan to hire employees to the point where tax deductions are subtracted from their income, then yes, you require the coverage. As mentioned prior, certain exceptions include hiring unpaid interns, volunteers, subcontractors, or consultants.

How Is This Coverage Calculated?

It’s important to know the nuts and bolts of how coverage will be calculated because this is a fundamental part of your operational and budgeting framework. The statute of limitations precluding a claim is set at two years.

Here are some general guidelines:

  • An award totaling 70% of weekly wages (set at a low of $216 up to a maximum of $810), are given to those suffering a partial or permanent disability.
  • Coverage is defined by your particular company’s class code. These are used by insurance providers to designate your provision of a particular risk. As you can imagine, jobs that involve exposure to heavy machinery or intense physical labor are considered risker than office jobs. It’s important to give full and complete details of your company’s operations in order to provide the clearest risk analysis possible. You can click here for information relating to New Jersey’s classification codes.
  • Compensation calculations may be affected by how long certain employees have been at your firm and receiving a tax-deductible income. This includes seasonal terms.

How Do Claims Usually Proceed?

If you’re going to be covered by important insurance, it’s crucial to know how this will operate in the event of an employee’s injury. Of course, we must always design for our annual injury rate to be zero, but we must also plan for reality.

So, how do claims usually proceed? Well, to begin with, under New Jersey law employers are able to select the physician(s) that will attend to injuries should they occur.

After the accident first takes place, it will first be reported to your management. After management makes the necessary arrangements for immediate care, they must report this accident to the insurance carrier.

This is named the First Report of Injury. That will then be filed with State apparatus.

Next, your insurance provider will evaluate the claim and verify it against New Jersey worker’s compensation law. If this is in keeping with the set requirements (we have discussed those above,) the next part of the process is followed.

This includes the insurance carrier taking the time to contact all involved parties, such as the injured worker (or familial representative), you as the employer, and the medical provider tasked with processing this care.

The medical provider is the main authority regarding the classification of injury, and they will produce a report with all of the particulars.

After seven days, the employee will have been receiving treatment and thus the eligibility of their worker’s compensation claim will be valid. Should disputes take place, the DMC will then involve themselves.

This process usually generated by the injured employee, and directs the DMC to handle claim petitions or open hearings regarding the complaint.

With this information, we hope you can more easily understand the purpose of worker’s compensation insurance in NJ.

You can contact Keller Insurance Services to find out more information.

Tropical Storm Isaias: Reporting Property Damage

Today, many of you were hit by Tropical Storm Isaias, and some of you have been left without power and potential property damage.

If you’ve experienced property damage, we want to provide you with what to do next. See below:

  • Contact your carrier
  • Document everything with pictures and video
  • Make necessary repairs to reduce further damage

While you are doing this, please make sure you are doing so safely. If you have minor damages, are not sure if you should call your carrier or still have questions, you can always contact us by:

We are here to help, so please stay safe and take care!

a white male landscaper trimming grass

Landscaper Insurance: Lawn Care, Tree Service and Designers

If you’re in the landscaping business, you want to make sure you protect every aspect of your livelihood, from your equipment and materials, to your employees, and naturally, yourself.

That’s true whether you’re running a small two-man operation out of your garage, or own a large-scale landscaping business with a team of employees and a fleet of equipment.

Protecting your business is so very important. That’s why you need a good insurance policy that protects you every step of the way, with affordable premiums and all the benefits you require.

Why Landscaper Insurance Is Important

One reason having landscaping insurance is so important is that landscaping is a job that poses some risks. Damaged equipment, injuries on the job and weather-related issues are all problems that landscapers face on the regular.

Repairing and replacing damaged equipment isn’t cheap, and neither are medical bills. Having an insurance policy helps protect you and your finances from the unexpected.

Many landscaper insurance plans are custom-designed to meet the needs of the business.

The drafting of your plan will take into consideration details such as the size of your business, your coverage area, the materials and equipment you use, the services you provide, the size of your staff, and what your individual coverage needs are, based on all of this information.

Other factors they may consider include the location of your business, your annual income/revenue, payroll costs, property value of your business, the types of vehicles you use, the value of said vehicles and materials/equipment, and more. It sounds like a lot, but all of these details give them a larger idea of what type of coverage you need.

For instance, a larger scale company that provides a whole host of services will have a much different coverage plan than a smaller company that only does mowing and light gardening. An agent will go over the details of coverage with you to help you get the best insurance plan for you.

They will also take into consideration your claims history. So if you’ve had issues before, whether legal or otherwise, the insurance agent will take that into consideration when planning your coverage.

What types of landscaping businesses need insurance? In short, all of them.

But if you’re on the fence about whether or not your business really needs a policy, call an agent to chat and find out more information. Many types of landscaping/yard/lawn businesses utilize landscaper insurance.

Types of Landscapers

The following are common types of landscapers:

  • Lawn Care Services/Maintenance - Mowers, landscapers, weeding and some gardening;
  • Tree Pruning/Removal Services - Branch and stump removal, tree removal, pruning, limb maintenance, and more. This is a job that contains a high risk of injury, so having insurance in place is very important;
  • Excavation/Grading - Excavation and ground grading to create level ground, digging, creating a drainage system, etc;
  • Hardscape Design - This includes landscaping that works with rocks, boulders and other types of heavy outdoor items using heavy-duty equipment.

All of these business types fall under the category of “landscaping” and should have a basic landscaping insurance policy in place to help protect against the unexpected.

These plans not only take care of expenses in the case of injury or damage to equipment, but can pay legal fees in the event of a lawsuit or legal issue with a client, will handle lost wages/expenses in the event of a natural disaster, and more, depending on the type of coverage you choose.

While every plan differs, there are a few basic types of landscaping insurance. Your policy will likely fall into one of these categories, based on your needs.

General Liability

The most common form of landscaper insurance, it includes basic coverages such as bodily injury, property damage and other types of liability.

This is the most basic type and the one that you should always have (some clients may even require you do so). If you have general liability in place, you can then expand upon it with more detailed coverage.

Commercial Umbrella Liability

This type of insurance is an “add-on” to general liability insurance. Many companies use this to add on a bit of extra coverage to an existing liability policy.

These are helpful in the case of legal issues or injury as they can pay the extra money needed to cover a settlement or pay medical bills.

Adding this extra bit of coverage to a policy is a very good backup protection to have, and often they aren’t that expensive.

Commercial Property Insurance

This insurance protects your actual physical business (so the warehouse/office/building you work out of), as well as the materials, tools, equipment and vehicles housed within.

This is a good idea for any business regardless of industry, as it protects against natural disasters and accidents such as fire, flooding and in most cases, even theft.

Bear to mind though, it only covers damages at the physical property, so if something is damaged elsewhere, or equipment is stolen off the truck, you may or may not receive coverage.

Commercial Auto

Vehicles that are used for landscaping purposes, to transport equipment such as mowers, clippers, tractors; to drive to and from client’s homes, etc, can be covered under a commercial auto policy.

Vehicles commonly covered under these policies include work vans/service vans, dump trucks, trucks and utility vehicles/trailers.

Business Owners’ Insurance

This policy is a hybrid between general liability coverage and a basic commercial buildings and personal property plan.

Workers' Compensation

Having a workers' compensation package in your insurance coverage is very smart, especially if you have employees.

In the event that they become injured on the job, workers comp will pay for their medical bills, treatment and expenses, as well as lost wages.

For professions where the risk of injury is higher, due to dangerous equipment and materials (landscaping definitely falls into this category), having a workers comp plan in place is a must.

Surety Bonds

Most landscaping businesses, as with many service companies, must be bonded and licensed in order to operate. While surety bonds are different than insurance, often they are discussed and agreed upon when you apply for your insurance policy.

If you’re unsure about these types of bonds, speak to a reputable agent, who can help walk you through the process.

You will purchase the surety bond through your insurance agent. The protection offered by a surety bond can range from $10,000 to $100,000, depending on the type of coverage.

What Else?

You may be wondering about the other costs associated with landscaper insurance. Luckily, most basic landscaping insurance plans are generally pretty affordable.

Most of the lower-priced plans run around $400 per year for a smaller landscaping business, but policies can go upwards of several thousands of dollars for the more comprehensive coverages/large scale businesses.

Of course, the size of your business and how many you have on staff will contribute to your premium. This is something you’ll discuss with your agent.

If you have budgetary concerns, or want to ensure that the coverage meets all your needs, you should give them detailed information about your expectations.

How We Can Help

Luckily, there are many insurance companies and agents out there who offer affordable landscaping insurance coverage, and it is a good idea to compare quotes and policies from all of them.

You can easily obtain this information online or over the phone if you’re willing to provide a little bit of information about your business. If you’re looking for a reputable insurance company in New Jersey, Keller Insurance is a great choice.

Insurance agents can also speak to you about group health insurance plans for your employees. Many business owners choose to provide health insurance coverage for their staff and themselves via a group health insurance plan.

These are often a great idea and can provide coverage for people who normally wouldn’t be able to afford the best coverage.

Talk to your agent about group plans for business owners and find affordable coverage for you and your staff that include the benefits you find important, whether that’s a dental and vision plan, disability insurance, or something else.

You value your employees, so of course, you want to help them be protected, too. After all, taking care of your employees' needs is a proven way to increase productivity and morale on the job.

Whether you are the owner of a small landscaping business, or have a large chain of companies, having a great landscaper insurance policy in place is so important.

Protecting your business - including its employees, equipment, merchandise, materials, and of course, yourself - is a key part of running a successful company.

If you’re looking for landscaping insurance in the New Jersey area, you’ve got plenty of reputable insurance agencies vying for your business.

Take the time to compare quotes and find the best type of insurance policy for your landscaping company, through a reliable, knowledgeable agent today. Protect your landscaping business every step of the way. You’ll be so glad you did.

a husband carrying his daughter on his shoulders

A Guide to Buying the Best Home Insurance in NJ

If you are looking for home insurance in NJ, then you might be looking for some advice about how you can get the best.

It can feel like quite a challenge to locate and get the best home insurance possible, but luckily for you, we’ve got some advice.

Down below, we will look at how you can get the best home insurance, so keep reading to find out more!

Get A Quote From Multiple Companies

The first thing that you should do is to get a quote from several companies. To do this, using a broker like Keller will enhance your chances of finding something incredible.

Sometimes brokers can locate deals that you might not have been able to find on your own, so it’s a good idea to use one to give yourself the best possible chance.

You can also do this on your own though, and all you have to do is go online or get in touch with an insurance provider, input your details, and they will generate a quote for you.

It will not be possible to know whether or not a price is good if you only have one quote.

Keep a note of all the quotes you have, and then you can figure out which will be the best option by comparing prices and what’s included in the policy.

Find The Right Policies

The right policy is that which covers everything you need at the best price. There are several areas that home insurance in NJ covers, and one is damage to the interior and exterior of your home.

If something such as a hurricane, fire, vandalism or other disasters damage your home, then your policy likely covers it.

However, when it comes to disasters such as floods, poor home maintenance or floods, this is where you’re not going to be covered.

It’s important that you look through everything that is and isn’t covered before you choose a policy or you could find yourself trying to make a claim down the line, only to find your insurance isn’t what you thought it was.

You’ve also got to consider the cost. Once you’ve read through what’s included, look at the cost and then compare this to the other quotes that you have.

Work out what offers you the most for the best price, and then you can decide what the right policy for you is.

Include Add Ons

If you want your home to be covered for extras that aren’t covered in the general home insurance, then you’re going to need add ons.

Some of the add ons that you can purchase are things like accidental damage cover, which covers you if you’re quite clumsy.

Say you spill something on your lovely white sofa, accidental damage will be your best friend. Also, if you have children, this is certainly something you may want to consider.

Another add on that you can consider is the home emergency add on. This will be helpful if your home is particularly susceptible to cold snaps.

If your boiler breaks down, this cover will pay for the emergency call-out and repair. Some even cover other costs associated with this but check your policy just to make sure.

There are several other add ons that you can consider, and if you want to get the best insurance then you need to look through them thoroughly.

If you think you will need an add-on, it’s best to have it just in case something goes wrong. It’s always better to have it and not need it than the other way around.

Increase Deductibles To Lower Premiums

If you’re worried about those monthly payments, then one thing you can do is increase your deductible. By doing this, your premium will be lowered, and you’ll be able to afford the payments more easily.

Keep in mind though that by doing this, you’re offering to pay more money in case of a claim before the insurance will pay anything.

Considering you might never need to make a claim, this can be quite helpful when paying in the long run. However, if you do have to make a claim, you need to be able to afford your deductible.

Limit The Number Of Claims That You Submit

Something that you should know is that the more claims that you submit, the less likely you are to get the best insurance. Companies use risk assessors to determine how much of a risk you are to insure.

If a company thinks you’re going to be claiming numerous times, your insurance rate will be higher than if you don’t make claims often.

As such, when you have an issue, you want to think carefully about whether it is worth making a claim. If you’ve already made a claim recently, then you don’t want to do this unless you absolutely have to.

When you experience some kind of damage, if it’s minimal, then it will be worth sorting the repairs yourself.

It makes little sense to claim for a repair that you could easily take care of yourself, especially seeing as this goes against you when it comes time to renew the policy.

The longer you can go without a claim, the better it looks to your insurance.

You want to be as low risk as possible if you’re looking to get the best policy on the market, which means keeping your number of claims as close to zero as possible.

We hope that you have found this article helpful, and now see how you can go about buying the best home insurance in NJ!

Follow these steps, and you will come out of this with the best policy and cover possible. If you have questions, feel free to reach out for assistance.

COVID-19 Back To Work Resources Bundle

As states begin to loosen restrictions and many businesses and individuals are getting back to work, or are at least planning to do so in the coming weeks, we wanted to make sure everyone is prepared as possible.

With that in mind, we compiled a bundle of re-opening information to benefit general workplaces, as well as several industry-specific resources for businesses in retail, hospitality, manufacturing, healthcare and more.

For information on each individual resource, continue reading below.

General Workplace Guidance

Fisher Phillips LLP: 5 Steps to Reopen Your Workplace

Fisher Phillips, LLP, has compiled a list of five steps to reopen your workplace, according to the CDC's latest guidance.

OSHA: Guidance on Preparing Workplaces for COVID-19

This detailed packet from the Occupational Safety and Health Administration (OSHA), contains recommendations as well as descriptions of mandatory workplace safety and health standards.

CDC: Guidance for Cleaning & Disinfecting

An overview from the Centers for Disease Control and Prevention (CDC) on general guidelines for cleaning and disinfecting public spaces, workplaces, businesses, schools and homes.

CDC: Devising a Cleaning & Disinfecting Plan

A more thorough version of the above CDC guidelines, with details on developing, implementing, maintaining and revising your plan.

CDC: Reopening Workplaces During the COVID-19 Pandemic

Questions to ask yourself as an employer when deciding if you should return to work and to help protect workers, especially those at high risk of illness.

Vehicle Cleanliness

Wheels, Inc.: Vehicle Cleanliness Tips

Vehicle cleanliness tips from Wheels, Inc., a large, privately-held automotive fleet leasing and management company.

Industry-Specific Resources

Along with the general business resources above, we've compiled several industry-specific resources and guides. Check them out at the links below.

Retail Stores

OSHA: COVID-19 Guidance for Retail Workers

In this OSHA alert, retail employers can find tips can help reduce their employees’ risk of exposure to the coronavirus.

Hospitality & Hotels

American Hotel & Lodging Association: Hotel Cleaning Standards

The American Hotel & Lodging Association (AHLA) has published a guide with the latest enhanced industry-wise hotel cleaning standards in response to COVID-19 to keep employees and guests safe.

Manufacturing & Factories

OSHA: COVID-19 Guidance for the Manufacturing Industry Workforce

For employers and workers in the manufacturing industry, the following tips from OSHA can help reduce the risk of exposure and illness.

Construction & Contractors

JE Dunn Construction: Safety Slide Deck

This template from JE Dunn Construction Group highlights what their own personnel will be doing in their general approach to COVID safety and preparedness.

OSHA: COVID-19 Guidance for the Construction Workforce

When working in the construction industry, these tips can help reduce the risk of exposure to Coronavirus.

NFPA: Construction Site Safety During Emergencies

Buildings under construction, alteration or demolition are facing new challenges. Here's how owners can safely prepare, execute efforts and minimize risk.

Healthcare & Medical

CDC: Get Your Clinic Ready for COVID-19

Here are 10 precautions you can take before, during and after seeing patients in a medical practice.

NJ Office of the Attorney General: COVID-19 Advisory for Dental Professionals

The New Jersey Office of the Attorney General Division of Consumer Affairs (State Board of Dentistry) published a COVID-19 advisory for NJ dental professionals.

Golf Courses

We Are Golf - Back2Golf

To return the game of golf responsibly, allied organizations have established “Back2Golf,” a plan outlining operational guidelines for the golf’s 16,000-plus golf facilities that adhere to nationally established protocols and best practices.

USGA: COVID-19 Golf Course Care

The United States Golf Association (USGA) has created this resource page to provide useful information for everyone within the golf community on how to play and manage the game safely.

Essential Considerations for Returning to Work - Video & PDF

Webinar Summary:

Recently, Governor Murphy sketched out the benchmarks New Jersey will have to reach before the COVID-19 lockdown can be lifted. The stay at home order will remain in place until further notice, but the Governor said he expects the timeline for reopening to be measured in weeks, not months.

Returning to work will bring new legal and practical challenges for employers in all industries. The New Jersey Agents Alliance and its Member Agencies are pleased to invite you to a complimentary webinar by Clark Hill and HR/Advantage Advisory Services and hope that you will join us for an engaging discussion on the following topics:

  • Safely returning your employees to the workforce
  • Relevant federal and state guidance
  • Best practices for dealing with vulnerable workers, refusal/reluctance to work, and employee anxiety
  • COVID-19 positive workers and claims of workplace exposure
  • Why it’s important to formulate your workplace policies now
  • How we can help

Please share any questions that you may have about your returning workforce when you register.

young male small business owner

What is a Business Owner's Policy & Why Do I Need One?

There are so many things to consider when it comes to running a business. If you’re running a small business then you may think that you are priced out of the market due to high premiums or eligibility.

That’s where Business Owner’s Policies come in. They’re designed to cover the business-critical elements of your business while also being affordable.

Let’s look at why this type of policy could be right for your business.

What is a Business Owners’ Policy?

In simple terms, a Business Owner Policy is an overarching insurance policy that rolls all essential coverage into one single policy.

A standard Business Owner's Policy incorporates a declaration, form, common conditions statement, and any relevant endorsements.

As the policy is not bespoke and designed to offer a package of support to a pre-defined target market, it is a lot simpler to set up than other insurance policies.

The cost of the policy is generally a lot less of a financial outlay than if buying each individual insurance separately.

Perhaps now, more than ever, businesses are keen to protect themselves from unexpected events and conditions.

What is covered under the policy?

A standard policy typically included protections against:

Property damage - more commonly described as ‘named-peril coverage’.  This covers the costs for damage caused by specifically named events including fire, flood, vandalism, and explosion.

If you are looking for a Business Owner's Policy that covers all eventualities for property damage, you will need to find a company that offers this level of coverage.

Property covered can be owned or rented and you are also covered for items owned by a third party but stored in your property.

Liability - if your company is found legally responsible for inflicting damages on others through defective products,  faulty installations. injury, and property damage.

Business interruption - reclaim and business income lost through disaster, fire, or another catastrophic event.

Some insurers allow businesses to take out additional coverage as part of their Business Owner's Policy for a low premium.  These can typically include:

  • Cybersecurity and electronic data
  • Civil Authority
  • Business Income
  • Interruption of computer operations
  • Accounts receivable

Figures from Statista show that between 2013 - 2018 24% of all insurance claims were due to damage and losses from fire or explosion.

What is not covered by a business owner’s policy?

There are several areas that are not typically included in a Business Owner's Policy for which businesses will need to take out separate policies. These include:

  • Health and disability
  • Professional liability
  • Worker’s compensation
  • Automobile insurance

Does my business need it?

Pros - SMEs benefit from being able to obtain a high level of coverage for a low-level premium. The cost of buying all the insurance policies separately could be prohibitive for some businesses.

You’ll also save time and money on research and admin by rolling everything up into one policy with the same insurer. In SME’s, money and budgets need to stretch a long way and this helps with that cash flow situation.

Unlike a Business Owner's Policy, standard policies do not include business income as part of their property section.

Cons - as Business Owners Policies are packaged to offer broad support to a certain type/size of the business, it is not as flexible in its terms or modifications as standard policies are.

Features such as professional liability are often used as a ‘perk’ to employees in certain sectors. Seeking this out separately can be a costly outlay for a small business.

The named-peril clause within the property portion of the policy can be restrictive. You are only covered in the event of a few, specifically named, incidents. You may want to consider your risks before signing an agreement.

It is strongly recommended that before taking out any kind of insurance policy, you perform a thorough risk assessment on your business. This will allow you to choose the right level of coverage for your particular set of circumstances.

A risk assessment will prevent you from taking out overly expensive policies that you don’t need or underinsuring your business with potentially devastating consequences.

Is your business eligible?

Business Owner's Policies are not available to every business. They are targeted at SMEs who need to meet certain eligibility criteria to be accepted for a policy.

These criteria can differ slightly between insurers but often include the geographic location, annual revenue, size of the property, and business sector.

Businesses from many sectors are eligible, including:

  • Fast food restaurants/cafes (minimal cooking)
  • Retail stores
  • Hotels
  • Salons and barbershops
  • Small residential contractors
  • Landscape gardeners

For the property portion of the Business Owner's Policy, there are certain restrictions on the type and size of property that is covered under the policy.

Office buildings cannot be taller than 6 stories or exceed 100,000 square feet. Buildings used for retail, wholesale, or services cannot exceed 35,000 square feet.

As a Business Owner's Policy is packaged together to offer insurance services to companies with a similar level of risk, this excludes certain sectors including:

  • Cinemas and theatres
  • Banks
  • Factories
  • Garages and mechanics

These types of businesses have a higher risk profile and need a more specialized range of policies to cover their specific needs.

Business Owner’s Policies from Keller Insurance Services

Our experienced team can help you find the right Business Owner's Policy for your business at an affordable premium.  As an independent agency, we look to find you the best coverage at the right price from our network of insurance providers.

If you’re unsure whether or not your business is eligible, we can help you

We offer a range of additional coverages to complement your Business Owner's Policy for true peace of mind. Start protecting your business today.

COVID-19 Updates: Personal & Auto Insurance

As the Coronavirus pandemic continues, we wanted to give you some updates on what insurance carriers are doing to help customers out.

Many are allowing customers to defer payments or pay in smaller installments. Some personal auto providers are even giving back credits on insurance premiums and are offering additional benefits.

If you have questions or concerns about your insurance policy, we're here to help.

Keep reading below for the latest information on what carriers are offering. This information is taken directly from them.

We’ll be adding more updates to this page as we receive them.


Updated 4/13/20:

We are bringing to your attention the Auto Premium Credit announcement that has just been released. This is another step Chubb has taken to properly service clients during this pandemic.

We will communicate in greater detail the effective dates for your clients as we work through operationalizing this program and complying with any state regulatory requirements. Thank you for your patience and for all that you're doing to serve clients during these rapidly changing times.

Please stay safe and healthy.

Official News Release:

Chubb Announces Premium Credit for U.S. Auto Policyholders to Reflect Changing Driving Habits Due to the COVID-19 Pandemic - Savings for U.S. personal auto clients to average $110 per vehicle

WHITEHOUSE STATION, N.J. April 13, 2020- Chubb is providing its personal auto insurance clients in the U.S. with a credit on annual renewal premiums as a result of reduced driving activity.

Upon renewal, clients will receive a credit reflecting a 35% premium reduction for the months of April and May, with additional discounts for subsequent months, as the situation warrants. Across Chubb's portfolio, the average credit is expected to be $110 per vehicle. Clients will not have to request the credit, it will be applied automatically at renewal. All premium and rate adjustments are subject to regulatory approval. 

"In these rapidly changing times, we have been thinking about our clients and the challenges they are facing. We recognize that there has been a reduction in our clients' driving activity as a result of this pandemic," said Fran O'Brien, Division President, North America Personal Risk Services. "This credit reflects our commitment to providing a fair premium adjustment to our clients, while ensuring they continue to receive Chubb's best-in-class auto coverage."

Updated 4/9/20:

Chubb PRS: Examining the impact of lower auto usage.

Recently we have received questions regarding carriers who have made the decision to provide their clients with refunds based on their changing driving behaviors in this unprecedented environment.

As a matter of course, changes in loss frequency would be included in our annual rate reviews and reflected in our pricing.

We recognize that the current situation may have a long timeline with a prolonged dip in frequency depending on the speed of economic recovery.

We are currently evaluating the situation to determine an appropriate course of action for our clients. In the meantime, please be assured that our top priority is servicing you and our clients.

We are proud of the way in which our industry has responded in this crisis. At Chubb, just as you have, we have fully transitioned to working from home.

Our team has implemented virtual risk consulting visits and claims adjustments while staying very engaged with our mutual clients.

Your clients who suffer a claim or need billing assistance will be glad that your firms are there to advise them and have recommended broad coverages from a company known for high levels of service.

We are also proud of Chubb's $10 million pledge for pandemic relief and our commitment to our employees that there will be no layoffs during this time.

We remain committed to helping you and your clients through this crisis. Please stay safe and healthy.


Updated 5/27/2020:

Great news: the Shelter-in-Place Payback is being extended through June 30, 2020, for personal auto customers. There are a few differences from previous paybacks – read on to learn more.

We led the industry by providing customers with a payback program, and have returned more than $600 million in April and May (May and June in New York), along with our Special Payment Plan and commercial auto endorsement. As our data shows customers continue to be driving less and getting in fewer accidents during the pandemic, we are extending the Shelter-in-Place Payback through June 30, 2020, for personal auto insurance customers. And more great news – motorcycle customers are included in the June payout as well!

And it should be noted that over the three-month period, Encompass is returning approximately $1 billion to our customers, without impacting agency commissions.

Important details about the June payback:

  • Motorcycle insurance customers are included.
  • Customers will receive an automatic credit to their accounts, with most receiving 15% of their monthly premiums.
  • The amount reflects Encompass’ disciplined analysis of available data. The average cost per accident has increased, partially offsetting cost savings.
  • You will be kept informed of the final amount as filings are submitted and approved.
  • We are applying the June payback to the customer’s Encompass account. Certain customers, like those who paid in full, will have their June paybacks applied to a bank account, credit card or via check – see the FAQs linked below for the details.
  • In New York, the paybacks will be one month later. Eligible customers with an active policy in force as of April 30, 2020 should have received the May payback in mid-May and those with policies in force as of May 31, 2020 can expect the June payback in mid-June. We also expect to issue a third payment in July for policies in force as of June 30. The 15% payback will be based on the monthly premium as of those dates. Other than the payback dates, there are no changes to the program for New York.
  • Communications about the June payback will occur at the end of May. Keep an eye on Encompass Express.
  • The sign-up period for free identity protection for all U.S. residents will also be extended to June 30, 2020.

The Shelter-in-Place Payback can be a great opportunity to reach out to customers and prospects and increase retention, uncover cross sell opportunities and grow your book of business.

Please visit Encompass Express for more information and FAQs.

Updated April 2020:

Eligible auto customers will get an average payback of about 15% based on their monthly insurance costs during April and May.

Payment Relief

Encompass customers experiencing financial challenges can call Encompass to learn how to delay payments without penalty.

The Special Payment Plan gives auto and homeowner insurance customers the choice to delay two consecutive premium payments.

Customers also can choose to pay what they can afford

Mercury Insurance

Recognizing that many customers are driving their vehicles less as a result of shelter-in-place actions, Mercury plans to give back 15% of monthly premiums for April and May 2020.

This applies to all Mercury Private Passenger Automobile policyholders. Customers will receive their Givebacks in the same manner their premiums were paid.

As soon as we receive guidance and approval from the Department of Insurance, we expect to begin processing the payments.


Recognizing the economic hardship caused by the COVID-19 pandemic, MetLife is taking action to help its customers during this challenging time.

The company’s property and casualty business, MetLife Auto & Home®, is providing financial relief, preserving coverage in the event of missed payments, and processing claims remotely to ensure social distancing.

“Being there for our customers when they need us the most is the promise MetLife delivers on every day,” notes Darla Finchum, president, MetLife Auto & Home®. “People are struggling, through no fault of their own, and we can help.”

MetLife Auto & Home® is offering the following to its customers nationwide:

Payment & Billing Leniency

Effective immediately, MetLife Auto & Home® will not cancel policies due to non-payment through July 1, 2020.

Customers experiencing difficulties with payments can contact MetLife Auto & Home® directly for assistance.

MetLife Auto Premium Relief

Active MetLife Auto customers who are paid to date will receive a 15% credit for April and May based on their monthly premiums.

No action is required by customers to receive the credit. MetLife Auto & Home® will apply a future credit to the customer’s account.

Extension for Personal Auto Delivery Coverage

Many of MetLife Auto & Home® auto insurance policies already provide coverage for people using their personal vehicles for delivering medicine or food.

MetLife Auto & Home® is extending coverage under all personal auto insurance programs at no additional charge while customers are making deliveries in response to the crisis, effective March 20, 2020, through May 1, 2020.

Expanded Identity Protection

With increased usage and exposure online for virtual school, work, banking and e-commerce, MetLife Auto & Home® recognizes the increased risk of cyberattacks. To help, MetLife Auto & Home® is extending its existing cyber security services through CyberScout to immediate family members of current customers through August 2020*.


MetLife Auto & Home® is available 24/7 to respond to customers’ claims needs. As the health of our customers and associates remains our highest priority, MetLife Auto & Home® claim adjusters will only conduct contactless reviews to reduce person-to-person contact during these times. Customers can file claims by contacting MetLife Auto & Home® at 1-800-854-6011.


We realize that not all of our customers can make the pivot to usage-based insurance right now, yet many customers are currently experiencing hardship as a result of the COVID-19 pandemic.

To get relief in the hands of our customers quickly and simply, we are offering a one-time premium refund of $50 per policy for personal auto policies active as of March 31, 2020.

Customers don’t need to do anything. Refunds will automatically be credited to the customers’ most recent method of payment (automatic withdrawal, credit card, personal check) within the next 30 days.

We are offering this rapid relief at a time when drivers are making the right choice to stay off the road and remain home to help “flatten the curve.”

The refund applies to all personal auto policies including Private Client. The premium refund and timing are subject to individual state Departments of Insurance approval.

Here are additional important pieces of information and tips to support you and your customers and your business:

  • PL livery coverage extension: For losses occurring on and after March 23 through April 30, Nationwide will waive application of the delivery exclusion and extend coverage to some restaurant and pharmacy employees delivering food or medicine/essential needs on behalf of the restaurant or pharmacy. This coverage extension demonstrates the extraordinary care that Nationwide is providing customers during this COVID-19 pandemic.
  • 60-day policy hold: If a personal lines customer or their immediate family member has been impacted medically or financially by COVID-19 and they are unable to pay their bill on time, we are able to place the impacted billing account on a 60-day hold. To have an impacted account placed on hold, please email
  • 24-hour claims hotline: Nationwide has taken steps to ensure we are there for customers. If customers need to start a claim for their business, they can call our 24-hour claims hotline at 1-800-421-3535 or visit
  • Free resources for small businesses: Digital ad credits, videoconferencing services, cybersecurity tools and more — check out the free resources collected in this article for small businesses impacted by COVID-19. Via Inc.
  • Improve your social selling skills: It’s not too late to register for the free webinar on Apr. 17 to learn how to leverage Nationwide’s agent social media program, featuring Hearsay, and its free social media content to attract and retain customers, deepen relationships and grow your business.
  • Rapid relief for personal auto customers: To get relief in the hands of our customers quickly and simply, we are offering a one-time premium refund of $50 per policy for personal auto policies active as of March 31, 2020. Customers don’t need to do anything. Refunds will automatically be credited to the customers’ most recent method of payment (automatic withdrawal, credit card, personal check) within the next 30 days. The premium refund and timing are subject to individual state Departments of Insurance approval. Agency commissions won’t be impacted by this refund. Read the communication.

Penn National

Penn National is returning premiums to assist our Personal Auto policyholders during the COVID-19 pandemic

The COVID-19 pandemic has caused significant disruptions to our normal routines and unimaginable losses to some of our friends, family members and local communities. Social distancing policies have required restaurants, offices, small businesses and schools to close.

These closures along with government-mandated stay-at-home orders for non-essential travel have resulted in a decline in vehicle use and miles driven. It is estimated that there will be significantly fewer miles driven during the months of March and April nationwide.

Pending regulatory approval, a credit of 15% will be applied to two months of premiums for those policies in force as of April 30 in recognition of the temporary reduction in vehicle miles driven.

The credit will automatically be applied to the policyholder’s next premium balance or refunded if paid in full. Premium returned benefits our 165,000 Personal Auto customers.

While the full impact of the COVID-19 pandemic remains uncertain, we know customers are driving less and the fewer accidents are reflected in our return premium.

Helping support our policyholders and our community

In addition to providing refunds and premium credits to policyholders, we continue to support our customers and the greater community in a number of ways.

  • Flexible billing – We are providing an extended 30-day premium grace period to allow customers more time to pay before cancellation notices are sent. We are waiving late fees and reinstatement fees. Our Customer Contact Center representatives also have the authority switch a policyholder to a more convenient payment plan.
  • Uninterrupted customer support – Thanks to our technology and business continuity preparations, we continue to be available during normal business hours. Also, our customers can report claims 24/7.
  • Support for front-line healthcare workers – We recently donated over 19,000 respirator masks to Geisinger Holy Spirit Healthcare. We appreciate the tireless work of all healthcare professionals and will continue to look for ways to support them.

We will continue to keep you informed of new developments.

Plymouth Rock

Plymouth Rock was founded on the principle of doing the right thing for our customers and agents. That means going above and beyond to provide more than just insurance – most importantly during difficult times like the one we’re living in now.

We understand that nearly everyone has been affected by the coronavirus pandemic in some way, and many are experiencing serious financial hardship. We want to do everything we can to help our customers, particularly those who are most in need.

We have issued a press release detailing our planned relief efforts for customers. As a part of the announcement, we will introduce our “pay it forward” option, which gives anyone who wishes the ability to donate their auto insurance premium credit to a non-profit that is providing relief for those hit hardest by COVID‑19. It’s a simple way to help those most in need.

Additionally, Plymouth Rock plans to offer the following relief to its customers, subject to regulatory approval:

  • A 25% premium credit on Liability and Personal Injury Protection Coverages
  • The option to “pay it forward” by donating auto insurance premium credit to a non-profit organization
  • The waiver of comprehensive and collision deductibles for any health care worker involved in an accident while driving to and from work, or in the line of duty
  • Application of the home insurance Additional Living Expense Coverage to any health care worker required by illness or job requirements caused by COVID-19 to temporarily reside somewhere other than their primary residence when payment for these expenses is not provided by the health worker’s employer or another source
  • Continuation of our payment flexibility, including waiving of late fees and a 60-day grace period (longer in some states), holds on cancellations and non-renewals for non-payment, per state guidelines
  • Extension of our food and legal medicine delivery accommodation
  • All relief will be available to current policies and new business, effective April 1 and extended until each state’s individual stay-at-home orders are lifted.

You can read our press release in detail on the Plymouth Rock website. And for all of our COVID-19 related information, please visit the COVID-19 Independent Agent Message Center.


Progressive returns $1 billion in premium to customers.

Today we announced that we’re providing credits of approximately $1 billion in premium to Progressive personal auto customers as a result of fewer claims that come with less frequent driving.

Subject to approval by state regulators, Progressive personal auto customers who have a policy in force as of April 30 will be credited 20% of their April premiums in May and personal auto customers with a policy in force as of May 31 will be credited 20% of their May premiums in June.

We estimate that the sum of these two credits will total approximately $1 billion. We may offer additional credits in the upcoming months.

Customers will not need to take any actions to receive the benefits. The credits will be applied automatically to the customer’s policy and those customers who have paid in full will receive a payment of the credited amounts.

If they have a balance on the policy, we’ll apply the credit directly to the remaining balance. And if they’ve already paid in full, we’ll return the money to the payment account we have on file— please make sure your customers’ payment details are up to date.


In efforts to provide relief to insureds during these uncertain times, customers with personal and business auto insurance policies will receive a 15% premium credit for April and May related to the various COVID-19 shelter-in-place orders.

Please see attached press release and Q&A document for further details. We've included some of the more pressing questions below.

Who will qualify for a COVID-19-premium credit? 

The COVID-19 premium credit is only for customers with personal and business auto insurance policies in force as of April 30, 2020 and May 31, 2020.

How will the COVID-19 premium credit be applied?

15% of the monthly premium for the months of April and May will be applied as a credit to the account of each customer who has an in-force personal and/or business auto policy as of April 30, 2020 and May 31, 2020.

How can a customer find out exactly how much of a COVID-19 credit they’ll receive?

Customers who use our self-service portal and have shared their email address will receive a personalized email with their calculated COVID-19 premium credit, and any applicable credit will appear on a customer’s bill.

When will customers receive their COVID-19 premium credit?

We are currently working with state regulators on our planned premium credit, but we expect to apply the 15% credit for customers with an inforce auto policy as of April 30 in early May and as of May 31 in early June.


We know that many of you are doing your part to help stop the spread of COVID-19 by staying at home.

That means many of you are driving fewer miles, resulting in a decrease in auto claims.

With that in mind, we have launched the Stay-at-Home Auto Premium Credit Program, which will automatically give you a 15% credit on your April and May premiums.

It’s our way of supporting you, and we hope it helps ease some of the financial burden many are experiencing.

And the best part: You don’t need to do anything. If you pay by monthly installments, you will receive the automatic credit on future bills. If you have already paid in full, you will receive a direct payment.

Man at desk drinking coffee with a tablet that says

Time for Your Insurance Renewal? What You Need to Know

Taking out insurance policies and ensuring that you have the correct insurance cover is crucial to protecting the important things in your life.

Insurance is available to protect all the valuable things in life, including your health, your business, your automobile, and your home.

Insurance offers the reassurance that when things go wrong, you are covered.

Without insurance, if something goes wrong, all the most important parts of your life could be at risk.

This includes your health and livelihood, and material possessions such as your car, and the contents of your home.

Not having any insurance coverage, or having inadequate insurance coverage can have a devastating impact on your life.

When your insurance renewal is due to come along, it is vital to take the time to give your renewal some attention.

With so much at stake, it is more than worth spending a little time ensuring that you have the right level of coverage and at the most affordable price.

Policy Renewals

Insurance renewals typically happen annually, in most cases, 12 months after you first took out the insurance policy.

One year is the standard duration of an insurance policy for most types of insurance, including automobile insurance, home insurance, medical insurance, and business insurance.

When you take out an insurance policy, your policy documents will state a start date on them.

The start date is the day from which your insurance policy is valid.

The document will also specify a date that your current policy expires, and your insurance renewal is due.

It is crucial to be aware of these dates and to know when to expect your insurance renewal so you can make sure that you, your business, and your belongings have the appropriate level of insurance cover at all times.

If your policy lapsed, and you haven’t renewed it, you would be unable to make a claim to recover costs.

During the 12 month duration of your policy, your insurance policy usually remains unchanged.

It is rare for a policy to change over the policy term unless you have changes to your circumstances.

This means that throughout the terms of the plan, the amount you pay shouldn’t change, and your level of cover should remain the same as agreed when the policy was first taken out.

Typically, you shouldn’t need to think too much about your policy at all unless you need to make a claim, or your circumstances change.

What to Do When Your Insurance Renewal is Due

Around four to six weeks before your insurance is due for renewal, you should receive a reminder either through the mail or via email.

The reminder will let you know the exact date that your current policy is due to expire.

A declaration page will also be included with your renewal documents.

You will need to read through the declaration page thoroughly for two reasons.

First, to make sure that all the personal information contained within it relating to yourself, your circumstances, and your level of cover remains correct.

Second, your declaration page can be used for comparing insurance policies when you are shopping around for a quote.

Comparing policies will help you choose the policy most suited to your needs and at the most affordable cost.

Renewal time is your opportunity to adjust your policy to suit your needs, and it is also the best time to shop around for the most competitive deals.

It is advisable to shop around for quotes before your insurance renewal is due, as you don’t want to leave any gaps where you are not covered.

Speaking to an independent insurance agency is one of the best ways to find a policy that provides the right level of cover and at the best possible price.

Unlike going direct to an insurance company, an insurance agent will be able to offer you a personal service and a range of policies so that you can select the option that best suits your requirements.

Insurance Renewals and Price Changes

When your insurance renewal shows up in your mailbox, you may be surprised to find that the cost of your policy has changed from the previous year.

Noticing a rate increase on your renewal quote is frustrating, especially if you feel that it isn’t justified.

There are many reasons that can impact the cost of your insurance. For example, your auto insurance renewal costs may increase if you were involved in an at-fault accident during the previous year of your cover, or even if you have added an extra driver to your policy.

For businesses, insurance costs may increase if you take on more employees, or you stock higher value goods or equipment.

External factors can also influence price hikes on insurance renewals.

For example, if your home insurance costs increase, this may be because there has been a rise in the number of claims made for burglaries in your area.

In this situation, your insurance company may increase the perceived level of risk of insuring a home in your neighborhood, and the price of your insurance renewal would reflect this.

Using an insurance agent to shop around for your quote can help you lower your insurance rates, and you may be able to save money on your automatic renewal quote.

Changes Your Insurer Needs to Know About

There may be times during the duration of your insurance policy that you need to make changes to it.

It is crucial that you inform your insurer right away about changes that affect your policy.

Otherwise, your policy may be invalidated.

It is vital to let your insurer know about changes to your personal information such as a change of name through marriage, or a new address.

Informing your insurer of changes in your circumstance is also crucial to keep your policy valid.

Let your insurer know right away if you change jobs, your medical history changes, or you have children, as these can all affect your policy.

If it's time for your insurance renewal and you want to chat with us about your policy, contact us here.

doctor with a notepad and a family in the back

Group Health Insurance in NJ: 5 Primary Coverages

Your business is known for a lot.

It’s known for the products you sell and/or make.

It’s known for the branding that resonates with your target audience.

It’s known for the standard of service your customers expect.

...But all of that means nothing without the people who make your business great.

Your employees’ hard work and endeavors make your business what it is.

Protecting them at work can help to show them how much you value them while helping them to remain productive.

This starts with the right group health insurance policy.

Here we’ll discuss all things group health insurance, why you need it, its primary coverages and how to get the most cost-efficacy out of your policy year-on-year.

What is Group Health Insurance?

Group health insurance is coverage that workplaces can put in place to make healthcare more affordable for their employees.

This is because risk is spread across a group of employees, and insurance providers have a better idea of whom they are covering, allowing them to provide better rates than they could offer for individual policies.

However, group policies need at least 70% participation in the plan for the coverage to be valid.

Group health insurance has been around since the Great Depression when healthcare costs were exceeding most patients’ ability to pay.

Employer-sponsored group health insurance plans came about in the 1940s when wartime legislation demanded flat wages yet employers needed attractive benefits to offer their workforces to make themselves more appealing to new candidates.

What Does it Cover?

Group health insurance covers a range of healthcare needs, including pre-existing or chronic health conditions such as heart disease, arthritis, diabetes and cancer, although coverage may vary depending on the individual policy and provider.

Some policies may also cover the healthcare needs of employees’ spouses.

Not everyone is covered under a group health insurance plan and the Affordable Care Act is designed to provide healthcare for those who are unable to take advantage of group coverage.

There are several different plan types including;

  • Health Maintenance Organizations (HMO) - These use a primary care doctor as a main point of contact who refers the patients to specialists within the insurance company’s care network as needed.
  • Preferred Provider Organizations (PPO) - These plans do not require policyholders to pick a primary care doctor and allow them to choose healthcare providers outside of the insurer’s network (usually at extra cost).
  • Exclusive Provider Organizations (EPO) - These plans are a combination of HMO and PPO plans.
  • Other Options - There is a huge range of other plan types that are often eligible to use alongside Health Savings Accounts. Point of Service (POS) plans are a good example of this and also combine elements of PPO and HMO plans.

Levels of Coverage

Within each plan, there are different levels of coverage that dictate the proportion of healthcare costs that are subsumed by the insurer.

  • Platinum - Covers 90% of projected healthcare expenses for the average enrollee. You pay the remaining 10%.
  • Gold - Coverage drops to 80% of projected healthcare expenses for gold policies. You pay the remaining 20%.
  • Silver - 70% of projected healthcare expenses. You pay the other 30%.
  • Bronze - 60% of projected healthcare expenses. You pay the other 40%.

More comprehensive policies will come at a higher premium, but out-of-pocket expenses will be significantly reduced.

It’s up to businesses to decide which level of coverage strikes the right balance between meeting the needs of the workforce and maintaining healthy cash flow.

Remember that the portion of the coverage that you bear can be supplemented by your employees.

Why Your Business Benefits from Group Health Coverage?

Believe it or not, small businesses (those with 50 employees or fewer) have no legal requirement to offer group health insurance.

The law requires very little from you, aside from allowing your employees time off for military service, voting or carrying out jury duty.

Still, just because you aren’t legally required to provide group health insurance doesn’t mean that you shouldn’t.

Companies who provide group health insurance are more attractive to top-tier candidates, and if you don’t offer it, you may lose a promising candidate to a competitor who does.

You’ll also save money because you’ll retain employees for longer and won’t have to pay out the expenses associated with recruiting and onboarding new team members when employees leave you for companies with better healthcare coverage.

Group healthcare insurance shouldn’t be viewed as just another overhead.

It has the potential to increase employee productivity, reduce turnaround and improve your bottom line in the long term.

Additional Benefits

With the right partners, you can also gain access to a range of other employee benefits that are not covered under group health insurance policies.

These include dental, disability, life and vision insurance.

You can offer your workforce and their dependants assurances in every aspect of their health and wellbeing!

Why Work With a Broker?

Businesses face a daily battle to stay cost-effective and keep their overheads manageable.

Insurance companies know this, and will rarely reward businesses for turning over and renewing their policies.

An insurance broker can keep your business cost-effective in ways that don’t come at the expense of the coverage your employees need and value.

A broker can get access to the best deals on the market, including deals that may not be available to you without them.

They work with a wide range of carriers to get you the best deal year on year.

Protecting your workforce without impinging on your profitability.

Who Are We?

We are Keller Insurance Services, and we strive to bring clients the best value for money on their group health insurance policies in and around West Deptford, NJ.

We have great relationships with a wide range of carriers to ensure that you get a great deal that’s suited to the needs of your workforce.

Give Your Workforce the Gift of Benefits

We also work with a trusted partner, Alliance Benefit Solutions to provide even greater value for employers.

With assistance for everything from disability insurance to retirement planning their portfolio of services combined with our own ensures that your employees always get the best deal and your business gets the most attractive portfolio of employee benefits at manageable costs.

two businessmen shaking hands and exchanging money

The Difference Between Being Bonded vs. Insured

Being bonded vs. insured are both forms of financial guarantee.

They are designed to protect a person or a business in the event of something going wrong.

However, they are not the same thing.

Being bonded is not insurance.

It can be a little confusing when the terms bond insurance, surety bond insurance are being used, but being bonded is still not the same as being insured.

Being bonded is more like credit, where the risk with the bond lies with the principle, meaning the person buying the bond, not with the insurance company.

Let’s break down being bonded vs. insured a little more:

First off, what is insurance?

There are various forms of insurance.

However, in a nutshell, it is a policy you take you with an insurance company, insurer, underwriter, which will protect you financially in the event of something unforeseen happening.

This can come in the form of a car accident, lawsuit, personal injury, life, etc.

It is a way a person or a business can mitigate risk.

What is bond insurance?

Bond insurance is like an extra level of coverage.

The bond issuer purchases a bond.

By doing this they guarantee that they will repay the principal the sum owed, and any, and all related interest payments in the event of a default, or if some or all of the conditions of a contract are or aren’t met.

A bond may cover additional damages or claims, for example.

Bonds are also used to enhance credit ratings.

What does being bonded mean?

There are many different ways they can bond you, as there are many bonds for you to choose from.

So, let's have a look at a few:

Surety bond

This form of bond has the effect of protecting you against certain claims of unlawfulness, or breach of contract.

These include claims of unsatisfactory work being done or an uncompleted project.

It can also protect against a claim saying that you failed to work within the law and the regulations of the business.

It also protects against claims of theft and fraud.

A surety bond is a contract between three different parties:

  • The principal is the business who purchases the bond
  • The obligee is the customer who has asked for the bond.
  • The surety  is the company used to underwrite the bond

Basically, you are paying a guarantor to take out a bond.

Bonds are used to cover you against professional negligence claims.

The surety, however, unlike an insurance company, will be reimbursed after it has paid the claim.

License and permit bonds

These are the bonds required by a government body so you can license your business.

These can be in the form of municipal, state or federal level.

Every profession has its own type of licensing bond, and the bond can be valid for a term of one to five years.

The bond is a guarantee that your business will operate in coherence with all the laws and regulations in place to protect citizens of the state.

This bond falls under the wider category of a surety bond and can be called a contractor or construction bond.

Contract bonds

This is also another form of surety bond.

It is a bond that acts as a guarantee that you will fulfill all the terms of a contract.

This bond is sometimes called a performance bond and ensures that an expected standard agreed between the customer and contractor is met.

Since it's based upon performance, they can agree on timescales, materials used, etc.

The bond is usually given out by the bank or an insurer and the contractor purchases the bond per contact as part of negotiations between the customer and contractor.

It is used to protect the customer and is used to build trust.

It can also help in the event of the contractor goes broke.

Fidelity bond

This bond protects the bondholder against fraudulent acts.

The IT sector uses these types of bonds a lot as it means that their businesses are protected against accusations of theft, fraud, and things such as the accusation of unlawful data transfer, etc.

There are two types of fidelity bond:

  • First-party will protect you if an employee is corrupt and defrauds you or steals from you. It will cover the cost to the business in terms of the theft itself, but it will not protect any damage caused to the client.
  • Third-party protects your clients for the same thing. Some clients will ask you to get a third-party fidelity bond, so they are protected. For your interests, you need a first-party fidelity bond.

Janitorial bonds

These are used by professional cleaning companies.

These bonds reimburse clients in the event of the work being seen as incomplete or unsatisfactory.

They also cover them against any accusation of theft.

How insurance and bonds benefit your business

If you want financial protection and the peace of mind that offers then you need insurance policies and bonds.

Insurance policies all have the same purpose, to protect you from financial loss and damage.

If you do not have insurance and bonds, you will know all about it when things go wrong as the costs mount up.

Lawsuits, for example, can be expensive.

Is it worth the risk?

Bonds offer the client peace of mind too, so it is a way of building trust with them, and may be the difference between you getting a job or one of your competitors.

Does my business need to be bonded vs. insured or both?

Most businesses will already have general liability insurance or professional liability insurance.

However, a bond is generally used to cover additional damages or claims.

There are several factors to think about with getting additional bond coverage depending on the clients, the industry you work for, if you employ staff, if you drive a lot for work or if your company deals in handling sensitive data.

If you have additional questions about being bonded vs. insured, contact us at Keller Insurance Services.

Person holding car keys

What New Car Owners Should Know about Auto Insurance

Obtaining a driver’s license and the car is a step towards greater independence. Before you take off with your newfound freedom, however, don’t forget to purchase auto insurance. Auto insurance will protect you, your vehicle and others against accidents on the road. At Keller Insurance Services in West Deptford, NJ, we can help you select auto coverage suited to your budget and lifestyle.

Car Insurance Requirements for New Jersey

New Jersey is a “no-fault” state, meaning car owners are required to obtain Personal Injury Protection (PIP) coverage. If you (or your passengers) are injured in an accident, this insurance will help cover your medical costs, regardless of who’s at fault.

You’re also required to have a minimum of $5,000 property damage liability coverage to cover the cost of damage to someone else’s vehicle if you’re responsible for an accident.

As a new car owner and driver, you may want to obtain more than the bare minimum PIP and liability coverage to protect yourself against serious accidents.

Collision Coverage

Collision coverage is optional in New Jersey. It covers the cost of repairing your vehicle in the event of an accident. If you’ve taken out a loan for your vehicle, your lender may require that you obtain collision coverage to protect his interests.

Ideally, this coverage should be enough to repair or replace your vehicle in the event of a total loss. If you choose a high deductible for this coverage, you’ll pay less for your premium.


Comprehensive insurance protects your car against theft, vandalism, and damage caused by adverse weather. If you’re into road trips or travel long distances for work or pleasure, this coverage can come in handy to protect you on the road.

For greater insight into car insurance options and costs, contact Keller Insurance Services in West Deptford, NJ.

Mom hugging baby feet

Protect your family with life insurance

As you start your family, there can be a lot of exciting moments and times when you can maybe feel a little bit overwhelmed. When you have adequate life insurance in place you can rest easier knowing your family will be cared for in case anything should happen to you. At Keller Insurance Services we understand how vitally important it is for you to protect your family, and we’re proud to provide life insurance to the greater West Deptford, NJ community.

Protect your family with life insurance

A growing family requires a lot of care and attention, and securing the right life insurance now can help smooth the road later. It is difficult to consider, but it’s important to plan in case something happens to you or your spouse while your children are still young. With the right policy, your family can continue to live in the family home and not have to experience any further disruption after your death. There are different types of life insurance from term policies to whole life coverage. Depending on your needs, you can find the policy type that is right for your family. With the exception of term life, you can even utilize your policy to pay for major life expenses such as college tuition. There are many options available, and the most important thing is that you have something in place that protects your family, no matter the circumstances.

Is it time for you to find out more about the ways that life insurance can protect your family? If you are a resident in West Deptford, NJ or the surrounding area, contact Keller Insurance Services today to schedule a consultation. We want you to have the peace of mind that comes with knowing your family is protected.

Woman sick on couch

What West Deptford, NJ Residents Should Know About Preventative Healthcare

Many residents in New Jersey are under the impression that if they do not feel sick and appear healthy, health insurance is not necessary. However, they do not understand the benefits of preventative healthcare and how it can improve your life quality. Below are reasons why preventative healthcare is essential and why you should consider a health insurance policy from Keller Insurance Services today.

Regular Doctor Visits

While you may feel well and believe that the common headache you are receiving daily is not anything major, seeing a regular doctor who is making a note of these changes can catch a major issue before it happens. When you have a regular doctor, you are able to build a medical history that gives them insight into changes in your body and potential dangers that could be lurking. You are also able to maintain immunizations with regular doctor visits and fight against potential illnesses obtained in the public.

Lower Healthcare Costs

Due to consistent healthcare visits with your general physician and catching any long-term dangers before they happen, you are able to save yourself a financial burden in the coming years due to a healthcare scare. Also, using emergency rooms for all of your healthcare needs as opposed to obtaining health insurance and visiting a regular doctor can be more costly over time, as well.

Is It Time To Get Covered?

If you would like to have maintenance care for your health and save money over the course of your lifetime, then it is time to purchase a health insurance policy. At Keller Insurance Services, our agency proudly serves West Deptford, NJ and surrounding areas, providing health insurance. Give us a call or visit our office today to quote a policy that fits your health needs.

Riding motorcycle

The Basics of Motorcycle Insurance

In  New Jersey, almost any wheeled device used for transportation, with an engine attached, has to be licensed and any licensed vehicle as to have insurance.  In most cases, it is obvious what a motorcycle is, but even a bicycle or tricycle with a motor attached is considered a motorized cycle in the state. The state definition says it must have a motor and seat to require licensing. At Keller Insurance Services in West Deptford, NJ, you can get all your motorcycle insurance questions answered and then get the insurance you need.

The insurance is similar to that of automobiles. Basic liability insurance is required. In New Jersey. There is "basic" insurance which meets legal requirements but does not offer much protection. "Standard" insurance is what most people get and that is more like car insurance. There is liability coverage that is required, bodily injury coverage, and you have the option of adding more coverage as well.

Similar to auto insurance, you may add collision and comprehensive to your coverage. Collision covers your bike if you have an accident and comprehensive covers everything else. You may also raise the amount of coverage above the minimums that are required.

You must have proof of insurance with you at all times while driving your motorcycle. It is also required to wear a helmet while riding. Having proof of insurance is called "establishing financial responsibility," which is what the state law requires.

You can visit Keller Insurance Services in West Deptford, NJ in person, or online, and get expert advice on the best coverage for your motorcycle.  New customers can find out what is required and find the best policy for their situation. If you have automobiles and motorcycles you could consider a package deal. Current customers should stop by to update their policy if they get a new motorcycle. You will have to have insurance before you can register the motorcycle in New Jersey.

Keys home money

What Can My Beneficiary Use the Life Insurance For?

How often have you watched an ad on TV talk about using life insurance for final expenses? The folks at Keller Insurance Services want to remind their neighbors in the West Deptford, NJ area that life insurance isn’t just about paying for a fancy funeral. Let’s check out what else that policy can do for your spouse, children, and loved ones.

  • Pay Off the Mortgage: This is especially important for families where one parent is lost. Make sure your children have a roof over their head for the next twenty years.
  • Keep the Kids in College: Help them build a brighter future even without that second income providing a source of monthly savings while they grow up.
  • Cover Health Care Costs: Relieve the burden of facing broken legs, ear infections, and even coughs and colds by making sure health care premiums are covered and there is still a savings account for the bigger challenges.
  • Take Care of the Monthly Bills: Provides a helping hand with heat, electricity, telephone, TV, and internet.
  • Cover Transportation Costs: That car is going to need replacing in a few years. There should be enough for a monthly lease or loan payment.
  • Guarantee there will always be something Under the Tree: With the right life insurance policy and installment payments, you can make sure that the holidays are times of joy in the future, instead of economic uncertainty.
  • Little League, 4H, Science Club, and Trumpet Lessons: If you want your family to continue to experience the same standard of living, a life insurance policy can help them have enough in the kitty to spare some cash for the fun times in life.

For more tips and information on term life policies in the West Deptford, NJ area and what size policy you wish to purchase, talk to your Keller Insurance Services representative today.

Shaking hands auto insurance

Building a Good Relationship With Your Auto Insurance Provider

Auto insurance should be much more than a financial transaction with an auto insurance provider. Finding an insurance agent willing to go the extra mile for you and your family can be an extremely valuable asset, especially when it comes to filing a claim. Many times, it is when clients go through a crisis with their insurance provider that trust is built, breeding confidence for a long lasting business relationship. Here at Keller Insurance Services serving West Deptford, NJ, we are all about building trust with our clients. Here’s a look at two tips for building a good relationship with your auto insurance provider.

It Takes Time

It is possible to build a trusting relationship with your auto insurance provider over time. It’s not likely to happen overnight. This starts by getting to know them and allowing them to know you on a first name basis, as well as your spouse and children. In order for a provider to meet your needs, they must know personal and private information, so an agent should be someone you feel comfortable talking to.

They Should Be Fully Accessible

There may be times when you have questions about your coverage or you need answers regarding a certain aspect of a claim. Your agent can provide you with the right answers and protect your best interest. Communication is key to any good relationship and in order for your insurance provider to know your specific needs, you have to communicate them. This provides the agent with an understanding of your personal situation in the event of an accident or a change in your situation. This means your agent should be fully accessible at all times.

Contact Keller Insurance Services serving West Deptford, NJ to learn more about building good relationships with your insurance company and your agent.

Understanding spelled out

Understanding Term and Whole Life Insurance

You’ve been told again and again that you should invest in some type of life insurance policy. Now that you’ve started shopping for a policy, though, you are feeling a bit overwhelmed because you don’t understand all of the life insurance lingo. That’s okay because here at Keller Insurance Services, we are here to simplify finding a policy that can best meet your needs. For now, let’s take a look at what it means to buy a whole or term life policy in West Deptford, NJ.

What does it mean to buy a term life policy?

When a person invests in a term life policy, this means the policy itself is only good for a specific number of years. A lot of term policies are good for 30 years or less. If the policyholder does not pass away during this period of time, then the policy ceases to exist and there is no cash value for the policyholder to take advantage of. And while this is a downside to a term life policy, it does have an upside — term life insurance is incredibly inexpensive when compared to most whole life insurance policies.

What does it mean to buy a whole life policy?

When you invest in a whole life policy, this means you are buying a policy that does not cease to exist until you (the policyholder) passes away. And when you do pass away, the payout is passed down to your beneficiaries. Also, with a whole life policy, a cash value will build up throughout the life of the plan, meaning if you want to tap into the premiums you have invested, you can. Since a whole life policy is guaranteed to pay out, it tends to be quite expensive.

If you would like to learn more about whole and term life insurance, please contact Keller Insurance Services serving the West Deptford, NJ area today.

Stamping paperwork auto

How to Get Your Teenager On Your Auto Insurance Policy

All drivers in New Jersey must have car insurance, regardless of how old they are. This means that if you’re a parent with a teenager who is just learning how to drive or recently got their license, it’s time to get them insured. Getting a teenager their own auto insurance policy is far more expensive than an adult’s, however, so you should consider putting them on your already existing policy. Those who are still on instructional permits in New Jersey cannot have their own separate insurance policies anyway. Serving the West Deptford, NJ area, Keller Insurance Services is here to help you get the information you need.

The Basics

Teen drivers on your insurance policy still are subject to the same legal requirements as other drivers in New Jersey, and therefore you need to make sure that your policy has enough coverage for both of you (for example, $40,000 per person per crash for Personal Injury Protection). All you need to do next is to talk with your insurer about adding your teen as a driver under your policy. If you are starting a new auto insurance policy, be sure to include them from the beginning but make sure you are the primary policy holder.

How to Keep Costs Low

There are actually a variety of ways to keep your insurance premiums from going up too much after you add your teen driver. For example, it is a good idea to not get them their own car right off the bat, at least not until they have another year or two of experience under their belt. After all, you will see a significant difference in cost if you classify your teen as only an occasional driver of your own vehicle vs. making them the primary driver of another. Likewise, if you have more than one car in your possession, limit them to driving the one that is lower in value and/or already has lower insurance costs. Last but not least, studies show that the more involved parents are when their teen is learning how to drive, the better a driver the teenager tends to be. Do whatever you can to help them avoid getting into an accident– once they do, insurance costs could skyrocket.

If you live in the West Deptford, NJ area and want to learn more, please don’t hesitate to reach out to Keller Insurance Services today.

Motorcycle putting helmet on

Four motorcycle safety tips that could make your insurance cheaper

Motorcycle insurance is a necessity if you want to enjoy taking your bike out on the roads. However, there are a lot of things you can do to minimize the costs of motorcycle insurance while also making it safer for you to the rider.

The following are four motorcycle safety tips that could make your insurance cheaper:

Take an educational rider training course

You may be able to enroll in a training course run by an area organization or your DMV to take advantage of safe driver discounts. This is an especially good idea if you’re a rookie rider.

Buy a bike that’s appropriate for your skills and experience

A lot of riders go overboard when they purchase their bikes. Your insurer is going to look at the bike model you purchase when evaluating how much your insurance premiums are going to cost. It’s generally going to cost more to ensure more expensive motorcycles and motorcycles that offer more power.

These days, motorcycles with smaller displacement engines are often just as fast and powerful as older models with larger engines. Purchase an efficient model rather than an excessively heavy and powerful model to keep insurance costs down.

Have antilock brakes

Motorcycle models are often built with antilock brakes these days. Many motorcycle insurance providers will offer discounts on premiums to riders who have bikes with antilock brakes. Consider getting such a model to take advantage of the discount.

Make sure you maintain a "preferred operator" status

A preferred operator is a biker who has a clean driving history. Over time, you can build up to preferred operator status to minimize your premium costs.

Those residing in the West Deptford, NJ area can contact Keller Insurance Services to learn more about motorcycle insurance policies.

Flood warning

Should You Purchase Flood Insurance, and Is It Necessary?

When it comes to flood insurance, there can be a lot of questions and misconceptions. Among those is the idea that this type of insurance is automatically included in standard home insurance policies. These policies include a lot of different types of coverage, but flood coverage isn’t one of those types. Instead, if you need or want flood insurance to protect your West Deptford, NJ home you’ll want to work with Keller Insurance Services to get the specific coverage you need. Some homes will require a flood policy if they are in a flood plain and there is a mortgage.

For houses that aren’t in a floodplain, or those that are paid for and there is no mortgage present, flood insurance isn’t required. However, some homeowners still want to have this coverage. Anywhere it can rain, it can flood, so homeowners who want strong protection for their home will often keep a flood insurance policy on that home. That’s especially important if they have a house in the floodplain and less of a concern for homes on higher ground. By working with a good agent, it’s easier to make a decision as to whether a flood insurance policy is really needed for your home.

Keller Insurance Services can help with your West Deptford, NJ flood insurance needs. Whether you want to get a policy, make changes to an existing one, or just ask questions, knowledgeable agents can advise you on the types of options you have for your situation. That way you can decide what type and level of coverage you want, and can focus on the peace of mind that having the right insurance will bring you. It’s an excellent way to have your home financially protected and to ensure that you have a trusted company behind you.