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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Consumer content
A homeowners policy amended by the HO 06 48 endorsement requires the insured to reside in the dwelling
Offers some commonly asked questions and answers regarding the ISO HO 06 48 endorsement. 1 page
A household inventory—well worth the time
Consumer flyer on the importance of having a household inventory to support a claim. 1 page
Additional liability coverage is important
A consumer flyer outlining the exposures and need for a personal umbrella policy. 1 page
Affordable insurance for renters
A question-and-answer consumer piece that answers the most commonly asked questions about renters insurance and exposures of a tenant. 1 page
An explanation of New Jersey’s no-fault law and automobile PIP insurance benefits
A comprehensive question-and-answer piece outlining New Jersey’s no-fault law. 3 pages
Answers to questions you may have before going on vacation
Consumer-oriented flyer that answers questions clients may ask about insurance coverage for items while they are vacationing. 1 page
Attention contractors: worker safety and health do affect our insurance premiums
A question-and-answer piece on how OSHA rules affect contractors. 2 pages
Before saying yes to a loan, be sure to see your professional insurance agent—force-placed insurance
Consumer flier discussing bank loans and the requirement for insurance. Defines force-placed insurance. 1 page
Cell phone safety—driving home the importance
A consumer flier developed to alert consumers about cell phone use. 1 page
Certificates of insurance
Consumer-oriented flier that answers some of the commonly asked questions about certificates of insurance. 2 pages
Commercial excess policies are for accidents that become tragedies
A question-and-answer piece that addresses some of the common commercial umbrella questions your commercial-lines clients might have. 1 page
Crime prevention begins at home
Easy-to-understand consumer flyer that addresses steps an insured can take in their home to reduce the chance of a theft. 1 page
Cyber security insurance—what is it and why do I need it?
A consumer flyer outlining the exposures that a business faces when it comes to cyber security risks. 2 pages
Do I have any control over my auto insurance premiums?
A question-and-answer piece that offers tips for consumers on how to lower their auto insurance premiums. 2 pages
Do I need a separate insurance policy for my boat?
Consumer flier explaining where to obtain coverage for a boat, coverage options and New Jersey laws requiring coverage. 1 page
Don’t be tricked by Halloween fire hazards
Consumer flyer that offers safety tips for trick-or-treaters. 1 page
Earthquake coverage not included in business insurance policies
A small business-oriented flyer that brings out the exposures businesses face with regard to earthquake exposures that is easily copied onto your agency letterhead. 1 page
Earthquake coverage not included in home or business insurance policies
A consumer flyer that addresses earthquake coverage options and applicable waiting periods. 1 page
Enjoy your summer without getting burned
Safety issues consumers want to be aware of during the summer season. 1 page
Flood damage: is my home covered?
A consumer piece that answers commonly asked questions about flood insurance. 1 page
Frozen pipes and other ice and snow damage
An easy-to-understand consumer piece on coverages applicable when pipes freeze or other ice and snow damage occurs. 1 page
Going away to school—an insurance perspective
A flyer that outlines the insurance considerations of parents who have children going to college. 1 page
High-rise residents have unique fire precaution concerns
Answers to questions a high-rise resident might have to ensure their proper evacuation from a burning building. 1 page
Holiday gifts and insurance coverage
Answers to commonly asked questions on holiday gifts and their insurance implications. 1 page
Home sharing and your homeowners policy
A comprehensive question-and-answer piece outlining the exposures when you rent your home out. 1 page
Homeowners insurance basics
Question-and-answer consumer flyer that addresses questions your homeowner insureds might ask. 1 page
How to keep your vehicle safe from car thieves
A comprehensive question-and-answer flyer regarding protecting your vehicle from theft. 1 page
How to save money on auto insurance
Tips for consumers on how they can save on their auto insurance rates. 1 page
Identity theft—who’s been in your wallet?
A consumer piece easily copied onto your agency letterhead outlining how to protect yourself from identity theft. 2 pages
Insurance and the divorcing couple
A consumer flyer addressing the insurance issues that can arise when a couple decides to separate or divorce. 2 pages
Insuring your in-home business
An easy-to-understand, consumer-oriented piece that addresses the coverage exposures when someone decides to open an in-home business. 1 page
New Jersey implements Graduated-Driver-License Law; enhanced by Kyleigh’s Law
Consumer-oriented flier that answers questions clients may ask about New Jersey Graduated-Driver-License Law. 1 page
New Jersey ride hailing: Income Lyft or Uber dangerous?
A comprehensive question-and-answer piece that addresses the common questions about ride-hailing exposures. 1 page
New Jersey’s auto physical damage inspections—what car owners need to know
A consumer flier on the commonly asked questions regarding the New Jersey photo inspection requirement. 1 page
New Jersey’s health insurance option for auto injury costs—what car owners need to know
A consumer piece answering the common questions with regard to an auto consumer’s choice on having their auto or medical coverage be the primary payor. 2 pages
Not all property is equal when choosing the right insurance
Answers to commonly asked questions regarding how to properly insure stamp collections, fine arts and jewelry. 1 page
Personal life insurance: the basics
An easy-to-understand consumer piece that outlines the different types of life insurance policies and how premiums are determined. 1 page
Planning for the interruption of business operations due to a catastrophe
A question-and-answer piece discussing business interruption insurance and how it applies during a catastrophe. 2 pages
Questions that business owners may have about their property loss claim following a catastrophic event
A consumer-oriented flyer addressing post-catastrophe questions your clients may ask. 2 pages
Questions that homeowners may have about their property loss claim following a catastrophic event
A consumer-oriented flier designed to answer commonly asked questions after a homeowner suffers a property loss. 2 pages
Replacement cost coverage: a wise investment
An explanation of replacement cost coverage to allow consumers to make an informed decision when purchasing homeowners coverage. 1 page
Storm damage—what’s covered?
A consumer flyer answering commonly asked questions regarding how to protect your property from storm damage and what damages are covered under homeowners policies. 1 page
The basics on ‘fracking’
A helpful consumer flyer explaining hydraulic fracturing and coverage under a homeowners policy. 1 page
The dangers of drunken driving
A question-and-answer piece that outlines the warning signs of drunk drivers, information on hosting a party and how to protect yourself from drunk drivers. 1 page
The facts of prescreened insurance offers
A comprehensive question-and-answer piece that explains what prescreened insurance offers are and how they work. 1 page
Understanding New Jersey surplus lines
A consumer flier explaining the issues of placing insurance risks in the excess and surplus lines marketplace. 1 page
What do I need to know about credit reports and scores?
A question-and-answer piece that answers commonly asked questions including what is a credit score, what’s a good score to get, how long the information is kept and more. 2 pages
What to do if you’re involved in an accident
A consumer flyer on what you should do if you have been involved in an accident and the appropriate information you should get to ensure a smooth claims process. 1 page
What to know before you raise a 350,000-pound home 10 feet in the air: insurance requirements for home-elevation contractors
A question-and-answer piece that outlines home-elevation contractor insurance requirements. 1 page
What you need to know about disaster-related casualties and your personal taxes
A comprehensive consumer flyer explaining some of the tax implications of disaster-related losses. 2 pages
What you need to know about the Special Automobile Insurance Policy
A consumer flier answering the commonly asked questions about the New Jersey Special Automobile Insurance Policy in a question-and-answer format. 1 page
What you need to know before you volunteer
A comprehensive question-and-answer piece that outlines exposures for those that volunteer their time. 2 pages
What you should consider before changing auto insurers
A consumer flyer on things that should be considered before changing auto insurance carriers. 1 page
Winter driving tips
Tips all drivers can use when dealing with winter weather and impaired driving conditions. 1 page
Wintertime and fire safety
A consumer piece that deals with woodburning stoves and other holiday season safety issues. 1 page
Workers’ compensation election for sole proprietors, partners and LLC members
A one-page flier that addresses the workers’ compensation issues surrounding limited liability companies. 1 page
Workers’ compensation insurance penalties in New Jersey
A consumer flier outlining the recent amendments to New Jersey’s workers’ compensation statutes intended to strengthen the system and set penalties against participants who do not abide by the system’s requirements. 1 page
Your young drivers—help them play it safe
A consumer flyer on the insurance exposures of teen drivers answering parent’s commonly asked questions. 1 page