Year End Insurance Policy Planning and Review
Every business owner needs a comprehensive insurance plan for their business. When an unplanned incident happens, your insurance policies cover a variety of exposures, including property, liability, employer, and more. Without proper coverage, your finances could receive a heavy hit, and you may even lose your business. You can think of each business insurance policy […]
Reopening Your Business Safely and Properly
The global pandemic of COVID-19 forced millions of businesses, offices, and schools to shut down. More than a year into it, we are finally seeing some reprieve with vaccinations and lower infection rates. However, many people are still working at home, which may change soon as COVID numbers drop. But, where do you go from […]
Worker’s Compensation Changes Due To COVID-19
COVID-19 has undoubtedly changed so many things in our world. A condition that initially required 15 days to “flatten the curve” is changing lives, and even ending some lives, six months and counting, later. Existing worker’s compensation laws before COVID-19 specifically excluded situations in which communicable illnesses, such as flu or common colds, were spread […]
6 Data Breach Risks for Work From Home Employees
Business owners have quite a lot to worry about as more people are working from home and telecommuting than ever before, and will likely continue for some time. Whether the result of COVID-19 stay-at-home regulations or a shift to a more modern workforce, your employees could be presenting your business with even greater data breach risks […]
Factors to Consider When Choosing an Insurance Agent for Your Business
Your business is your baby. You’ve labored hard to bring it into the world, and you don’t want to trust it to just anyone, especially when it comes to someone as important as your insurance agent. It’s essential to take the time to choose your business insurance agent carefully and with great deliberation. These are […]
How Often Should I Review My Insurance Policies?
Your insurance coverage is important. You want to make sure you have the right protection and the right policies to meet your needs today. Of course, your needs are likely to change over time. That is why it’s essential to review your insurance policies. The policy you purchase in your 20s, for instance, isn’t the […]
Planning For The New Year? 7 Reasons Why You Need an Independent Insurance Agent
Shopping for insurance can be overwhelming, complicated, and confusing. Not only do you want to save as much money as you can on your personal insurance or business insurance policy, but you also want to ensure you’re getting the optimal coverage you, your family, or your business. In order to make the proper choice for […]
Why Work With an Independent Insurance Agent?
You’ve probably been told or have read that it is best to work with an independent insurance agent. But what you may not have been told is why. There are many reasons why working with an independent agent is better than working with an agent tied to a single company. Independent Agents are Committed to […]
NJ Businesses Take Note: Paid Sick Leave Is Now Mandatory for All Employees
Since October 29, 2018, New Jersey requires all employers to provide paid sick leave to covered employees regardless of whether the employee is full-time, part-time, or seasonal and regardless of the size of the employer. An employee who works for an employer located outside of NJ but who performs all of their work in NJ […]
Who Do I Call if I Have a Claim?
If you’re like many people, you buy insurance hoping you’ll never need to file a claim. However, if the time should ever come when you do need to file a claim, it’s important that you know what to do. One of the many benefits of working with a local agency, like Otterstedt Insurance Agency, is […]