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5 Things Your Business Owners Policy is Missing

If you own a small enterprise and looking for an insurance policy for your business, a business owner’s policy, or BOP, can be a great solution.  Below we go over what a business owners policy is, what it covers, its advantages, and things your BOP might be missing.  What is a Business Owners Policy Insurance? […]

Pool Safety Tips and Insurance Considerations

Having a swimming pool in your house can be a fun way of adding more value to your life.  But a swimming pool can have risks like pool injury and accidents, including drowning. According to the Centers for Disease Control and Prevention (CDC), in the U.S., children ages 1-4 have an increased chance of dying […]

Cleaning and Maintenance Tips to Prevent Insurance Claims

Whether you love the opportunity to clean, inspect, and do some maintenance work around the house, or you find it to be a tedious chore, the value of doing some much-needed cleaning is undeniable. Regularly inspecting and maintaining your house or commercial building(s) is just as important as regularly checking and maintaining your car.  For […]

What is Flood Insurance and Why Do You Need It?

As defined by FEMA, a flood is: A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is your property) from: Overflow of inland or tidal waters; or Unusual and rapid accumulation or runoff […]

5 Questions to Ask Home Insurance Agent

Before shopping for home insurance, you need to know the factors that can help you get the insurance that matches your needs. Ask your insurance agent the following questions to determine the type of insurance, the coverage, and the insurance details that can help you choose the right home insurance policy. 1. What is the […]

Does a Nonprofit Organization Need Directors and Officers (D&O) Coverage?

Nonprofits often face intense scrutiny about how they use their funds and their method of operations. Where claims are made against directors of a nonprofit, the organization, directors, officers, and trustees can find they are neck-deep in expensive legal procedures, resulting in huge fees, penalties, and litigation costs.  Even the best intentions can result in […]

Commercial Lines Claim Stories

Having commercial insurance is one of the best ways to protect a business from unpredictable situations. At Otterstedt, we understand that most businesses are always one disaster or lawsuit away from closure.  Here are some examples of real-life stories of how we help our clients navigate various unexpected challenges, keeping their businesses afloat.  Story 1: […]

Personal Lines Claim Stories

Having adequate personal insurance is one of the best ways to protect you, your home, and your car from costly expenses due to unpredictable situations. At Otterstedt, we understand that most individuals highly appreciate the peace of mind personal insurance provides.  Here are some examples of real-life stories of how we help our personal insurance […]

Why Choose Otterstedt for Your Small Business Insurance

If you own a small business in New Jersey, you’ve probably come across many agencies selling small business insurance. But the truth is, most insurance agencies in NJ will sell insurance that meets your budget but not your small business needs. That’s where Otterstedt comes in to provide something different.  Here’s how.  Personalized Service Otterstedt […]

What is Guaranteed Replacement Cost?

Losing your home to a fire or natural disaster is one of the worst things that can happen to any homeowner. What can make it even worse is finding out later that you lack the homeowner’s insurance coverage to rebuild your home back to what it was before the disaster. This is why we recommend […]

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