Health Insurance Is Essential

With health care costs constantly increasing, a good Health Insurance plan helps keep those costs manageable. Many people get their Health Insurance through the Affordable Care marketplace, but even if you don’t you need to have coverage that meets the standards set forth by the Affordable Care Act.

Bogle Agency Insurance stands ready to help individuals, families and businesses in New Jersey locate the best Health Insurance plan for their needs and budgets. We serve people in Bergen County NJ and surrounding NJ locations. Our experience and expertise will be beneficial if you are looking for Health Insurance. The search for Health Insurance should not be difficult.

Allow Us To Make the Quest For Health Insurance Easier

Health Insurance plans keep evolving and finding the right one for your needs is complicated. Your priority should always be to get the best protection for the most affordable price. Bogle Agency Insurance has knowledgeable and experienced agents to help guide you and make you aware of what you should know about NJ Health Insurance options. Whether you are in the market for a new Health Insurance Plan or wish to renew the plan you currently have, you should discuss is with an agent at Bogle Agency Insurance. We can be reached at (201) 939-1076. You might learn something new that you weren’t aware of regarding Health Insurance.

Having Final Expense Insurance Or Burial Insurance In NJ May Save Those Involved A Great Deal Of Expense!

The topic of death is rarely easy to discuss, but planning for end-of-life expenses is a responsible and compassionate act. Final expense insurance, also known as burial insurance, offers a practical solution to alleviate the financial burden placed on loved ones during a difficult time. This type of insurance is designed to cover the costs associated with funerals, burials, and other related expenses, providing peace of mind and ensuring your final wishes are honored.

What is Final Expense Insurance?

Final expense insurance is a type of whole life insurance policy with a smaller death benefit, typically ranging from $5,000 to $25,000. It’s designed to be more accessible than traditional life insurance, often with simplified underwriting and guaranteed acceptance options. The primary purpose is to cover immediate expenses associated with death, such as:

• Funeral and Burial Costs: This includes the cost of the casket, funeral service, burial plot, and related expenses.
• Cremation Costs: If cremation is preferred, the policy can cover the costs of cremation services, urns, and memorial services.
• Outstanding Medical Bills: Any remaining medical bills can be paid with the death benefit.
• Other End-of-Life Expenses: This may include travel expenses for family members, legal fees, and other miscellaneous costs.

Benefits of Final Expense Insurance In NJ

• Simplified Underwriting: Many final expense policies offer simplified underwriting or guaranteed acceptance, making it easier for individuals with pre-existing health conditions to qualify.
• Guaranteed Acceptance: Some policies guarantee acceptance for individuals within a specific age range, regardless of their health.
• Affordable Premiums: Due to the smaller death benefit, premiums are generally more affordable than traditional life insurance policies.
• Quick Payout: The death benefit is typically paid out quickly to beneficiaries, allowing them to cover immediate expenses.
• Peace of Mind: Knowing that your final expenses are covered can provide peace of mind for both you and your loved ones.
• No Medical Exams: Many final expense policies do not require a medical exam, making the application process faster and easier.

Types of Final Expense Policies

• Simplified Issue: These policies require answering a few health questions on the application. Approval is typically based on your answers and may involve a waiting period before the full death benefit is available.
• Guaranteed Acceptance: These policies guarantee acceptance for individuals within a specific age range, regardless of health. However, they may have a longer waiting period or a graded death benefit.
• Level Benefit: This type of policy provides a full death benefit from the first day of coverage.

Who Should Consider Final Expense Insurance?

Final expense insurance is particularly beneficial for:

• Seniors: Individuals who are concerned about leaving a financial burden on their families.
• Individuals with Pre-Existing Health Conditions: Those who may have difficulty qualifying for traditional life insurance.
• Individuals with Limited Savings: Those who may not have sufficient funds to cover funeral expenses.
• Individuals Who Want to Simplify Estate Planning: Final expense insurance can streamline the process of handling end-of-life expenses.

Factors to Consider When Choosing a Policy

• Death Benefit Amount: Determine the amount of coverage needed to cover your estimated final expenses.
• Premium Costs: Compare premiums from different insurance providers to find an affordable policy.
• Waiting Periods: Understand any waiting periods or graded death benefits associated with the policy.
• Policy Features: Consider any additional features or riders that may be beneficial, such as accelerated death benefits.

Final expense insurance is a valuable tool for ensuring your final wishes are honored and your loved ones are not burdened with unexpected expenses. By understanding the benefits and considerations involved, you can make an informed decision and provide peace of mind for yourself and your family.

Talk To A Professional Insurance Agent, Talk To Bogle Agency!

Bogle Agency Insurance agents are always happy to discuss NJ Final Expense or Burial Insurance or any other type of insurance you may need. We will answer questions and explain the pros and cons. We are here to help you figure out what protection you need and to find the insurance coverage that suits your situation.

We can be reached at (201) 939-1076 to make an appointment with one of our knowledgeable and experienced agents.

Describe Property Casualty Insurance

Property Casualty Insurance is a combination of protections for property owned by you, like a house, and liability insurance that covers you if you cause an accident that injures another person or damages another person’s property. There is a lot more to know regarding Property Casualty Insurance but this is a general description.

When Would You Need Property Casualty Insurance?

Property Casualty Insurance is protection for you in the event of an unexpected accident or loss. If you have a fire, accident or theft your home and personal possessions are covered. If you have legal issues as the result of an accident, caused by you, that damages or causes injury to someone or someone’s property, Casualty Insurance provides liability protection.

Professional Advice Is Always Desirable

Bogle Agency Insurance is a valuable resource for explaining the terms and conditions of Property Casualty Insurance. Our agents have experience in all types of insurance and stand ready to help you find the best insurance protection for the most affordable price. We have been in business for over 100 years and have gained experience in every aspect of the insurance business. Our knowledgeable agents can provide outstanding advice and assistance with Property Casualty Insurance as well as all other types of insurance. We serve Bergen County NJ as well as surrounding NJ locations. If you need help understanding or perhaps purchasing Property Casualty Insurance give us a call at (201) 939-1076 and schedule an appointment.

Protecting your valuables

Chubb Masterpiece Valuables Insurance provides the highest degree of protection for your valuable and treasured possessions. Valuables, generally described as things that have greater worth than ordinary every-day possessions, are well protected with Chubb Masterpiece Valuables Insurance. Your prized possessions may be artwork, jewelry, antique or one-of-a-kind furniture, or rare books and they are probably insured to a limited degree with your Homeowners Insurance. Chubb Masterpiece Valuables Insurance fully covers them and offers you peace of mind that they are protected. Bogle Agency Insurance focuses on providing the best coverage from a carrier that offers outstanding service and a speedy response to claims.

Great Claims Service

Claims with Chubb are handled efficiently and quickly. Chubb has specialists with training and knowledge in many areas of fine art, jewelry, rare books and more. They are also able to advise clients about prevention of future losses. It makes good sense to insure high-value assets with Chubb Masterpiece Valuables Insurance.

Offering Protection For Your Valuable Possessions

Bogle Agency Insurance has been providing high quality insurance coverage to clients in NJ for over 100 years. To protect the treasured possessions of our clients, we offer Chubb Masterpiece Valuables Insurance because we feel it is the best coverage available. If you are looking for a higher level of coverage for your valued treasures, give us a call at (201) 939-1076 to speak with one of our experienced and knowledgeable agents.

When Do You Need Rental or Landlord Insurance For Your NJ Rental Property?

Home-sharing platforms like Airbnb and Vrbo have made it easier than ever for homeowners to generate income from their properties. Whether you’re renting out a spare room, a vacation home, or your entire house while you’re away, the financial benefits can be significant. But with this opportunity comes a critical question that many hosts overlook: are you properly insured? The assumption that your standard homeowners insurance will cover a short-term rental is a dangerous misconception that could leave you financially devastated. This guide will clarify the risks of short-term rentals and walk you through the insurance options available to ensure your property and your finances are protected.

Why Your NJ Homeowners Insurance Policy Isn’t Enough

A standard homeowners insurance policy is designed to protect your primary residence and personal liability for non-business activities. The moment you begin to rent out your home for a fee, even for a single night, you are engaging in a business activity. Most homeowners policies have an explicit “business pursuits” or “business activity” exclusion, which means that any claim arising from a short-term rental could be denied.

Imagine a guest slips and falls, a fire starts in the kitchen, or a guest causes significant damage to your property. If your insurer discovers you were running a short-term rental at the time of the incident, they can deny the claim. You would be left to cover the costs of medical bills, legal fees, repairs, and lost rental income all on your own. This is not a risk you want to take.

What About the Rental Platform’s Insurance?

Many hosts rely on the insurance offered by the booking platforms themselves, such as Airbnb’s AirCover. While these programs provide a valuable layer of protection, they are not a replacement for a comprehensive insurance policy. Here’s why you can’t rely solely on them:

• It’s Not a True Insurance Policy: These programs are typically a type of host guarantee or protection plan, not a full-fledged insurance policy. They often have specific terms, conditions, and limitations that can be different from what a standard insurance policy offers.
• Coverage Gaps and Exclusions: The platform’s coverage may not protect you from every risk. For instance, it might have exclusions for certain types of damage (like mold or intentional acts), or it may not cover damage to common areas of a building. It’s also not meant to cover damage to your own property, only damage caused by a guest.
• The Claims Process: The claims process can be complicated and lengthy. You may need to prove the damage was directly caused by a guest, and there’s no guarantee the payout will fully cover your losses.
• Booking Outside the Platform: If you take a booking directly from a guest or through another platform, the host protection offered by one platform won’t apply.

Filling In The Coverage Gaps With NJ Rental Or Landlord Insurance 

To properly protect your property and your liability, you need to look beyond your standard homeowners policy and the platform’s host protection. Here are the three main insurance options available to short-term rental hosts:

1. Home-Sharing Endorsement or Rider

This is the simplest and often the most affordable solution for hosts who rent their primary residence infrequently (e.g., a few weeks a year). An endorsement is an add-on to your existing homeowners policy that extends some of your coverage to include short-term rental activity.

• What It Covers: It typically provides protection for guest-caused damage, theft by a guest, and some liability coverage.
• Limitations: This option has strict limitations. It’s usually only available for homeowners who rent out their property for a limited number of days per year. It may not cover loss of income or have sufficient liability limits for a serious accident.

2. Short-Term Rental Insurance (Dedicated Policy)

This is a specialized, comprehensive policy designed specifically for the unique risks of short-term rentals. It’s the best option for hosts who rent out their property frequently, a secondary home, or use it solely as a short-term rental.

• Comprehensive Coverage: A dedicated short-term rental policy often includes coverage for the dwelling, personal property, and liability. It’s built to address the specific risks of high guest turnover.
• Loss of Income: A key feature is loss of income coverage, which reimburses you for the rental income you lose if a covered event (like a fire) makes your property uninhabitable.
• Broad Liability: These policies typically have higher liability limits and cover a wider range of scenarios, including guest injuries, theft of a guest’s property, and damage to a neighbor’s property caused by a guest.

3. NJ Landlord Insurance with an Endorsement

While landlord insurance is generally for long-term rentals (e.g., a year-long lease), some insurers offer endorsements that can adapt a landlord policy for short-term rental use.

• Suited for Non-Primary Residences: This can be a viable option if you’re renting out a property that is not your primary residence.
• Coverage Differences: Landlord insurance typically has less coverage for your personal belongings than a homeowners policy, as it assumes the tenant has their own renters insurance. You’ll need to ensure the endorsement specifically covers the risks associated with frequent, short-term guest turnover.

Don’t Forget the Umbrella Insurance

No matter which of the above options you choose, an umbrella insurance policy is an essential piece of your financial protection strategy. An umbrella policy provides an extra layer of liability coverage, kicking in after the limits of your underlying home or auto policies are exhausted. While a standard umbrella policy may not extend to business activities, a commercial umbrella policy can provide an added safeguard against a catastrophic lawsuit related to your rental property.

Consult Us for Assistance

Navigating the complexities of short-term rental insurance can be confusing. The best and most crucial step you can take is to talk to an agent. We can:

• Assess Your Needs: They’ll help you determine the level of risk you’re exposed to based on how often you rent and the type of property you have.
• Review Your Current Policy: They can review your current homeowners policy to confirm if it has a business exclusion and if a home-sharing endorsement is an option.
• Compare Quotes: An agent can help you compare different short-term rental insurance policies from various providers, ensuring you get the best coverage for your specific situation.

Don’t let the potential for a denied claim and a significant financial loss hang over your head. By taking the right steps to secure proper insurance, you can rent out your property with confidence, knowing your investment is truly protected.

Talk To A Professional Insurance Agent, Talk To Bogle Agency!

Bogle Agency Insurance agents are always happy to discuss NJ Rental Or Landlord Insurance or any other type of insurance you may need. We will answer questions and explain the pros and cons. We are here to help you figure out what protection you need and to find the insurance coverage that suits your situation.

We can be reached at (201) 939-1076 to make an appointment with one of our knowledgeable and experienced agents.

You May Need Flood Insurance

Natural disasters such as floods are occurring all over the United States with great regularity. The rainfall accompanying major storms is more intense than anyone remembers, and in areas that never flooded before. Floods cause tremendous damage to homes and property and substantial financial burden if you don’t have insurance covering floods. Most Homeowners Insurance covers certain risks but usually excludes floods. To be covered for flood damage, you need Flood Insurance.

Bogle Agency Insurance offers Flood Insurance to homeowners in NJ. If you live in an area that is prone to flooding, talk to one of our agents now, don’t wait for the flood to happen. We serve homeowners in Bergen County where we are located and also most of greater NJ. Our knowledgeable and experienced agents always stand ready to discuss Flood Insurance or any other type of insurance coverage you may need.

Flood Coverage Facts

Floods are the most common and widespread natural disasters in the United States. A flood can happen anywhere and even minor floods can cause a lot of damage to your property. Without insurance covering flood damage you may be left with tremendous repair and cleanup costs.

Homeowners are often surprised to learn that their Homeowners Insurance does not cover flood damage. To protect against the cost of flood cleanup you should definitely consider Flood Insurance. If you live in a flood-prone area, Flood Insurance may be mandatory. Some mortgage lenders require that borrowers carry Flood Insurance as a condition of a loan.

FEMA (Federal Emergency Management Agency) may offer disaster assistance after a flood, but this is usually in the form of a low interest loan which needs to be paid back. Flood Insurance is a more secure way to protect yourself financially after a flood, and it doesn’t need to be repaid.

Speak With An Agent

Flood Insurance is an important safeguard against the financial hardship caused by floods. As your Homeowners Insurance probably doesn’t cover floods, Flood Insurance is a good investment.

Bogle Agency Insurance offers Flood Insurance to NJ homeowners. To speak with one of our agents about Flood Insurance give us a call at (201) 939-1076.

Cyber Crime

We are all using the internet for everything. Cyber crime is rampant, with criminals constantly trying to steal your money or your identity, or both. Bogle Agency Insurance offers outstanding cyber insurance coverage with Chubb Masterpiece Cyber Protection. We offer this top-notch insurance to residents of Bergen County NJ, where we are located, as well as to greater New Jersey. Our knowledgeable and experienced agents are always available to provide you with the information you need to help guard your online activity with cyber protection offered by Chubb Masterpiece Cyber Protection.

Cyber Crime – Stressful Trouble

Cyber criminals are smarter and more adept at stealing your online information every day. Chubb Masterpiece Cyber Protection can shield you from identity theft, loss of financial security and release of your personal information. Restoring these things takes forever, it’s a long and frustrating process, and causes severe emotional stress.

Relax With Chubb Protection

Bogle Agency Insurance offers Chubb Masterpiece Cyber Protection because we feel it is the best cyber insurance on the market and this type of insurance should be a priority to everyone who uses the internet. As you and your family become more dependent upon the use of the internet, Cyber Insurance becomes more important. We use the internet for banking, communications, shopping, travel, study, daily business activity, and daily life. Experts in the field have your back when you are protected by Chubb Masterpiece Cyber Protection. To talk with one of our agents about cyber insurance protection, give us a call in Lyndhurst NJ at (201) 939-1076

Need Umbrella Insurance In NJ? Here’s Our Guide For Your Investment In This Coverage!

In today’s litigious society, a single unforeseen accident could lead to a lawsuit that exceeds the liability limits of your standard home or auto insurance policies. Imagine a severe car accident with multiple injuries, a guest seriously injured on your property, or even a libelous comment posted online. Without adequate protection, such events could put your hard-earned savings, investments, and even future earnings at significant risk. This is where umbrella insurance in NJ steps in – acting as a crucial financial safety net. Often misunderstood, umbrella insurance provides an extra layer of liability coverage, extending protection beyond your primary policies. Let’s delve into what umbrella insurance is, how it works, and why it might be an essential part of your financial protection strategy.

What is Umbrella Insurance? Our Guide For Umbrella Insurance!

At its core, umbrella insurance is an additional layer of liability coverage that goes above and beyond the limits of your underlying insurance policies, such as homeowners, auto, and even boat or recreational vehicle insurance. Think of it as an “umbrella” that provides broad protection over a variety of personal liability situations.

It’s designed to kick in when the liability coverage on your primary policies is exhausted. For example, if your auto insurance has a bodily injury liability limit of $300,000 per accident, and you’re found responsible for a car accident that results in $700,000 in medical bills and damages, your auto policy would pay out its $300,000 limit. The remaining $400,000 would typically come out of your own pocket – unless you have umbrella insurance. In this scenario, your umbrella policy would cover that additional $400,000, protecting your personal assets from seizure.

What Does Umbrella Insurance Cover?

While often thought of as an extension of auto and home liability, umbrella insurance offers broader protection, often covering scenarios that might be excluded or have limited coverage under your primary policies. This can include:

• Serious Auto Accidents In NJ: Covering damages and injuries that vastly exceed standard auto policy limits, especially in multi-vehicle collisions or those involving severe injuries.
• Injuries on Your Property In NJ: If someone is seriously injured on your property (e.g., a slip and fall, a swimming pool accident, or even a dog bite) and sues you for damages.
• Liability from Rental Properties IN NJ: If you own rental properties, an umbrella policy can provide additional protection beyond your landlord’s insurance if a tenant or visitor is injured on the premises and you are found liable.
• Slander, Libel, and Defamation In NJ: Covering legal fees and potential settlement costs if you are sued for making false statements that harm someone’s reputation, even if it’s an accidental online comment.
• False Arrest or Imprisonment In NJ: Protection if you’re accused of these acts.
• Liability from Volunteer Work In NJ: Coverage for certain situations if you serve on a non-profit board.
• Claims Involving Your Pets In NJ: If your pet causes injury or damage beyond what your homeowners policy covers.
• Worldwide Coverage: Many umbrella policies offer coverage for incidents that occur anywhere in the world, which can be particularly useful if you travel frequently.

What Does Umbrella Insurance Typically Fail To Cover?

While comprehensive, umbrella insurance isn’t limitless. It generally does not cover:

• Your Own Injuries or Property Damage: It’s a liability policy, meaning it covers claims against you for injury or damage you cause to others or their property. It doesn’t cover your own medical bills or damage to your own car/home.
• Business or Professional Activities: Commercial activities, home businesses, or professional services typically require separate commercial umbrella policies or professional liability insurance.
• Intentional Criminal Acts: Damages or injuries caused by your own intentional or criminal actions are almost always excluded.
• Contracts or Agreements: Liabilities assumed under a contract.
• Workers’ Compensation: Injuries to household employees (like nannies or gardeners) might be covered under your homeowners policy or require a separate Workers’ Compensation policy.

How Much Umbrella Insurance Do You Need IN NJ?

There’s no one-size-fits-all answer, but a common recommendation from financial advisors is to carry at least $1 million in umbrella insurance. Many people choose to cover their total net worth (assets minus liabilities) and even consider their future earning potential, as a large judgment could impact future income. Policies typically start at $1 million and can go up to $5 million or more in increments.

Factors to consider when determining your needed coverage:

• Your Net Worth: The more assets you have (home equity, savings, investments), the more you have to lose in a lawsuit.
• Your Earning Potential: A substantial judgment could lead to wage garnishments.
• Your Lifestyle and Risk Factors: Do you have a swimming pool or trampoline? Do you have teenage drivers? Do you own rental properties? Do you volunteer for organizations? Do you have a dog? These factors can increase your liability exposure.
• Underlying Policy Limits: Umbrella policies typically require you to maintain certain minimum liability limits on your auto and homeowners policies (e.g., $300,000 for homeowners liability and $250,000/$500,000 for auto bodily injury liability).

What Is The Cost of ‘Peace of Mind’ or NJ Umbrella Insurance Coverage?

One of the most attractive aspects of umbrella insurance is its relative affordability for the significant protection it provides. While costs vary based on your risk profile, location, and the amount of coverage, a $1 million umbrella policy can often cost between $150 to $300 per year. Additional increments of $1 million usually cost less, perhaps an extra $75 to $100 annually. When you consider the potentially devastating financial impact of a major lawsuit, this small annual premium offers immense peace of mind.

Is Umbrella Insurance Right for You?

While often associated with the wealthy, umbrella insurance is increasingly relevant for anyone with assets to protect, or those with lifestyles that carry higher liability risks. You might benefit from umbrella insurance if you:

• Own a home or significant assets.
• Have a swimming pool, trampoline, or other attractive nuisances.
• Own rental properties.
• Have a dog (especially certain breeds).
• Have a young or inexperienced driver in the household.
• Volunteer for organizations.
• Have a public profile (e.g., active on social media, a blogger, or reviewer).
• Host parties or gatherings frequently.

In an unpredictable world, preparing for the unexpected is key to financial security. While your primary insurance policies provide essential protection, the reality is that major accidents and lawsuits can quickly exceed those limits, leaving your personal wealth vulnerable. Umbrella insurance offers a cost-effective and comprehensive solution, extending your liability coverage and acting as a vital safeguard for your assets and future earnings. Don’t leave yourself exposed to catastrophic financial loss. Speak with your trusted insurance agent today to understand if umbrella insurance is the right fit for your unique needs and to secure the peace of mind you deserve.

Talk To A Professional Insurance Agent, Talk To Bogle Agency!

Bogle Agency Insurance agents are always happy to discuss NJ Umbrella Insurance or any other type of insurance you may need. We will answer questions and explain the pros and cons. We are here to help you figure out what protection you need and to find the insurance coverage that suits your situation.

We can be reached at (201) 939-1076 for you to make an appointment with one of our knowledgeable and experienced agents.

Can You Save Money By “Bundling”

In the never-ending quest to save money where we can, we sometimes overlook the fact that we may lose something important by doing so. This is as true with insurance coverage as with anything else. You may have heard that combining insurance coverages such as Homeowners and Automobile Insurance can save money. This is known as “bundling” and it is a way of saving some money. The catch is that you may also lose some protection. When your premiums are lowered, your coverage may also be lowered. When considering adjustments to your insurance coverage, it is best to look for advice from an insurance professional. Bogle Agency Insurance has been helping individuals, families and businesses in NJ get the best insurance protection for the most affordable price for a long time. We have been in business for over 100 years in Bergen County and have led thousands of clients toward the best, and most affordable, insurance in that time.

What You Should Know

When discussing insurance, the best protection should always be the prime goal. Even though “bundling” can save you money and may be a good option for your needs, don’t let saving money be your only criteria. Often separate policies are the best way to protect yourself and your family properly. Talking with a Bogle Agency Insurance knowledgeable and experienced agent will help guide you toward the best option in your situation.

Let A Professional Help

Our many years of experience make it possible for Bogle Agency Insurance to know what the best insurance protection for your needs would be. We always focus on insurance that works for you financially and practically. We are available to guide you in choosing the best insurance coverage, whether you are considering “bundling” or not. To discuss any insurance needs, give us a call at (201) 939-1076.

Who Is Covered By Workers Compensation Insurance?

Employees of a business are covered by Workers Compensation Insurance. Employers must have this insurance in place, but it only covers employees who become ill or are injured while at work. If you are injured or become sick while not at work you most likely are not covered. Independent contractors are not covered by Workers Compensation Insurance provided by an employer. This insurance must be purchased by the independent contractor.

Bogle Agency Insurance offers NJ Workers Compensation Insurance to businesses and independent contractors. We have been providing this insurance coverage in New Jersey for over 100 years. We are located in Bergen County NJ and serve the Bergen County community and most of northern and central NJ.

Workers Compensation Insurance Is Required

Any business in New Jersey with more than one employee has to have Workers Compensation Insurance in place. In general, all part and full-time employees are covered by Workers Compensation Insurance. Self-employed individuals must purchase Workers Compensation on their own. This type of insurance provides lost wages recovery when you are unable to work because of an injury or illness that happened while you were at work. As an employee, if your job requires that you work in a dangerous environment, make sure that your employer has Workers Compensation Insurance.

Professional Advice Is Always Helpful

Bogle Agency Insurance offers guidance for a complete list of insurance options for NJ business owners and their employees. We seek to lead you toward the insurance coverage needed to operate a business in NJ, and to live and work in NJ. With professional help you will have a safer and more well-informed workplace experience. If you have questions regarding Workers Compensation Insurance as an employer or employee, call us at (201) 939-1076 to speak with a qualified insurance professional.