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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 […]

What Insurance is Needed for a Company Event?

Depending on the type of company you operate, you could find yourself hosting various company events throughout the year. The events could be for a variety of reasons from training to celebrating to simply building relationships within your organization. Some of the events include things like: Picnics Holiday Parties Retreats Company Outings Training Events Product […]

Why As an Attorney You Need Cyber Liability Insurance

Cyber breaches are increasing in every sector or business in the United States and around the world. This includes cyber attacks on law firms, large and small. What this means for you, as an attorney, is that you are facing greater need than ever before for cyber liability insurance. Why is Cyber Liability Insurance So […]

What Does Employment Practices Liability Insurance Cover?

Whether your business has one employee or 100,000 employees, you need Employment Practices Liability Insurance (EPLI) coverage to protect your interests. In today’s business climate, when employees feel they have been mistreated, abused, marginalized, or wrongfully dismissed; the first reaction is to sue. Whether there is any merit to the case or not, lawsuits can […]

How Does Workers Compensation Insurance Work?

Workers compensation insurance (WCI) is something that employers are required by law, in most cases, to provide for employees. Even the most diligent employers who seek to minimize workplace hazards and accidents can have an unexpected tragedy. When such things happen, Workers Compensation Insurance, also referred to as workman’s compensation insurance seeks to minimize the […]

Does My Company Need Data Breach Insurance?

When you have a data breach and your business is a victim of a cyber-attack with a resulting data loss, it’s important to take quick action to restore public confidence in your company. Data breach insurance is not a new coverage and has been around for over a decade. However, few people know about it. […]

Long Term Effects of Insurance Fraud

People working in the insurance industry will be quick to tell you any number of insurance fraud tales. From arson and staged car wrecks to bogus slip and falls, fraudsters have a lot of creativity when it comes to insurance fraud — and this is seriously costing the American consumers a great deal of money. […]

Can an Employee Sue my Business if I have Workers Comp?

For the most part, providing workers’ compensation benefits to employees bars those employees from suing your organization if they are injured on the job. It’s one of the many benefits employers receive by offering this valuable insurance coverage to employees. However, there are circumstances in which employers do not have the protection that providing workers […]

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