Buyer’s Home Inspection Checklist

Buyer’s Home Inspection ChecklistBuying a home is a rewarding and exciting experience. However, especially for first-time homeowners, it can be a tricky process to navigate. As many professionals are often needed to ensure your home is in great condition before moving in (and to get a fair and competitive price), we have compiled a list of experts you will likely need to thoroughly inspect your home. Once your home’s sale is finalized, ensure you get the right NJ Home Insurance to protect your investment.

Pest expert.

 
The last thing you want before moving into a home is to find the foundation has been chewed to its core by termites or that your kitchen has unwanted mice. Contact a professional pest control expert to evaluate your home for potential damage and rid your new place of any unwanted critters.

Toxic chemical professional.

 
If your home is an older build, have it inspected for asbestos, lead, mold, and radon. Each one needs its own specialist, so bear that in mind when scheduling.

Structural engineer.

 
Depending on when your home was built, you might need to have it evaluated by a licensed structural engineer. Especially if you notice your doors don’t open and close properly, the floors are uneven, or you find obvious breaks in walls, this professional can give you a realistic estimate on what it would cost to fix it and what it requires to be safe again.

Landscape specialist.

 
Do you have a wet yard? Does it slope toward the house? Poor drainage can cause costly water damage and flooding, explains House Logic. You don’t want poor drainage to seep back into your foundation and cause costly structural damage down the line, so make sure your front yard is as functional as it is beautiful.
 

About Vreeland Insurance, Inc.

 
At Vreeland Insurance Inc., we train our team to recognize all types of New Jersey Home Insurance policies. We understand your needs and have designed our programs to ensure that you get the most for your insurance dollar. We have the expertise to provide you with a variety of coverages and policies catered to your business. For more information, call us today at 877.755.3767.

The Benefits of Group Health Insurance

The Benefits of Group Health InsuranceToday, many businesses and individuals find that a Group Health Insurance plan is crucial to a good work environment. A group health insurance plan is purchased by an employer and is offered to employees as a benefit of working for the company, and it is something that many prospective hires look for in their job search. Not all plans are created equal, however; different types of companies will offer different types of insurance plans to their employees, with several factors influencing which type of plan is offered. In addition to improving access to affordable healthcare, a good group health insurance plan offers many other benefits to a company.

Financial Benefits

As the name implies, Group Health Insurance provides benefits for the company as well as its employees. According to Health Coverage Guide, group health insurance ensures that any costs incurred by medical services will be manageable for employees, and it also provides tax benefits to the business. Expenses related to health insurance are nearly always 100% tax deductible, and small businesses are able to receive healthcare tax credits from the Affordable Care Act.

Increased Loyalty and Retention

Along with the financial and medical benefits offered by a group health insurance plan, the plan can also benefit the group’s morale. Statistics cited by the Health Coverage Guide demonstrate that group medical coverage helps to improve the company’s atmosphere, reduce absenteeism, and improve employee health (and thus, productivity).

The guide’s survey found that 78% of small business owners credited their group health insurance plan with decreasing turnover and increasing loyalty, 75% claimed that it improved recruitment, 64% believed that it kept employees healthy and increased output, and 58% said that it reduced absences. In addition, 62% of these business owners stated that their employees expected or even asked for health insurance, and only 25% of business owners surveyed stated that they felt that not offering health insurance had no effect on their company.

More Accessible Care

The last point is perhaps the most obvious – a group health insurance plan will give you and your employees better access to medical care! In addition, while the increased availability of healthcare is important, many group health insurance policies do not begin and end with covering medical expenses. According to Forbes, many general health insurance plans also offer additions such as vision plans and dental plans, which will provide further coverage for you and your team.

About Vreeland

Vreeland Insurance, Inc. is an independent agency that has offered detailed, personalized service to clients across New Jersey since 1931. We work closely with numerous leading companies in order to ensure that our customers will receive the best possible insurance solutions and provide strong competitive rates in Personal, Business, Group Health, and Life Insurance, and we are always happy to take the time to work with our clients. To hear more about your options, give us a call at (877) 755-3767.

Deck Your Website for the Holidays

Deck Your Website for the HolidaysHoliday’s are a really important time for businesses because of the traffic and holiday revenue. The holidays are a critical time for businesses to pick up their game. Make sure you stay protected with New Jersey Business Insurance.

According to an article in Trellis, decking your website out for the holiday’s can be critical for your businesses success. Here are a few ways to do that:

  1. Although SEO is usually something to consider for long-term marketing, it’s one of the best ways to drive traffic to your site. It can generate 50% more traffic and invest in holiday SEO can boost sales. Make sure to use keywords like Thanksgiving, Black Friday, Valentine’s Day, Christmas, Hanukkah or whatever holiday you’re focused. In addition, tie in your products for the holiday season. You can use SEO platforms like Google Analytics or BuzzStream for help. Keep up with blogging, use holiday promotional content and holiday landing pages.
  1. Social media is on the continued rise and is a must to use this holiday season. This is the best way to stay in communication with potential and current customers. Use Facebook, Twitter, LinkedIn and Instagram for your holiday marketing efforts.
  1. Think about email marketing because it can have a massive ROI for most businesses. This is the best way to get the word out about your holiday promotions, newsletters or events and is a must-do for holiday marketing.

These are just a few tips to increase your holiday sales and drive traffic to your site.

About Vreeland Insurance

At Vreeland Insurance Inc., we train our team to recognize all types of New Jersey Business Insurance. We understand your needs and have designed our programs to ensure that you get the most for your insurance dollar. We have the expertise to provide you with a variety of coverages and policies catered to your business. For more information, call us today at 877.755.3767.

Fall Home Maintenance Tips

shutterstock_243577486Fall is here!  As you prepare for seasonal changes, ensure your home is fall-ready by following these maintenance tips and protect your investment with a New Jersey Home Insurance policy.

According to an article in Freshome, there are some maintenance tips to keep in mind before the weather gets too cold as fall home maintenance tips.

  1. Make sure to examine your roof, gutters, and downspouts for debris. Since these things are not eye level, it’s hard to remember to keep them clean. Clear leaves, dirt and other debris and check for damaged and loose pieces.
  1. Check walkways for cracks or loose pavement. Fix these areas before the slippery weather causes injuries.
  1. If you have any type of air conditioning or heating unit make sure and change your air filters regularly. Clean air filters will keep your home healthy for you and your family.
  1. Examine leaky faucets in the kitchen, bathrooms and utility rooms before the temperature dips. Preparation loves success and so do your faucets.
  1. Prepare your fireplace for the colder months. Clean out any old ashes and ensure that air can move freely through the chimney. If necessary, hire a professional chimney sweep.  
  1. Drain your hot water heater because extra amounts of sediments could be building up in your tank. Avoid rusting by purchasing a new water heater that will be most cost effective and energy efficient.
  1. Check your window and door frames to ensure that the seal is in good condition so that air is not lost. Adding thick drapery can also help with extra drafts. Also, making sure that there is adequate caulking around your windows will help with any unwanted drafts.
  1. Clean your outdoor furniture and store it in a dry area for the remaining winter months. Storing them will ensure that they are in good condition once you pull them out for spring.

At Vreeland Insurance Inc., we train our team to recognize all types of New Jersey Home Insurance policies. We understand your needs and have designed our programs to ensure that you get the most for your insurance dollar. We have the expertise to provide you with a variety of coverages and policies catered to your business. For more information, call us today at 877.755.3767.

Avoid The Common Resume Red Flags

Avoid The Common Resume Red FlagsFinding the right candidate for the job can take time. It’s important to review the resume, cover letter and all other material asked. You want to make sure that the candidate you are choosing is honest. As you seek the right candidate, it’s imperative that you stay protected with a Business Insurance Policy.

According to an article in The Balance, there are five resume red flags that you should pay attention to when you review resumes of potential candidates.

  1. An employment gap is something you should watch in a candidate’s employment history. This can be masked with dates listed only as years or dates not listed at all. Although not a terrible obstacle during the resume review, an employment gap can only be detrimental if the applicant fails to explain the reason why.
  1. Poor grammar, spelling, and punctuation should be considered. They seem too nitty-gritty, however, it does set a candidate apart. These kind of errors are indicative of what you can expect from the applicant as an employee. It’s clear that the candidate did not look over their cover letter and/or resume.
  1. If there is a lack of attention detail, it provides a visual of the candidate’s success as an employee. Although these errors are not the end of the world, they are still indicative of sloppiness.
  1. If a candidate has shown a decreasing responsibility or reached a career plateau, this is a red flag. Make sure to scan in detail so you’re not making any wrong judgments. It’s great to take on a candidate that has a career path and titles that have progressed throughout the years.
  1. If an applicant fails to follow directions, this can invalidate the application. If a job posting asks for a cover letter and resume, it’s essential that a candidate provides a cover letter and resume. You want an applicant that can follow instructions based on the information given. Specifying for certain criteria is allowed and should be followed.

At Vreeland Insurance Inc., we train our team to recognize all types of Business Insurance policies. We understand your needs and have designed our programs to ensure that you get the most for your insurance dollar. We have the expertise to provide you with a variety of coverages and policies catered to your business. For more information, call us today at 877.755.3767.

Mid-Summer Motorcycle Check List

Mid-Summer Motorcycle Check ListSummer is the perfect time to dust off your bike and spend the day riding in the open air. Bike riding season is upon us and that means you have the opportunity to take all the best routes in the area. Since there is a spike in bike riders in the warmer months, it’s important that you stay safe by performing a mid-summer safety check and by insuring your vehicle with a robust Motorcycle Insurance policy.

According to an article in Paying Too Much, it’s important that you conduct a few routine checks to make sure your bike is ready for the open roads. Here are a few tips to incorporate:

  1. Make sure you check your brakes and lights. This should be the first step before taking your bike for a ride.
  1. Refuel. Drain all the old fuel remnants from the year before and top off with fresh fuel for your motorcycle to keep everything running smoothly.
  1. Check and change the oil at all times.
  1. Keeping your bike in the garage for a long could affect your battery. Charge the battery fully. If the charge isn’t holding, then invest in a new one.
  1. Check tire health including pressure, punctures, tread, etc.

At Vreeland Insurance Inc., we train our team to recognize all types of Motorcycle Insurance Policy Insurance. We understand your needs and have designed our programs to ensure that you get the most for your insurance dollar. We have the expertise to provide you with a variety of coverages and policies catered to your business. For more information, call us today at 877.755.3767.

When an Employee is Injured : Five Tips on What to Do

When an Employee is Injured Five Tips on What to DoWorkplace-related injuries can happen anywhere, whether at a construction site or in an office.  As a business owner, ensure your business is protected with a New Jersey Workers Compensation policy and heed the following tips in the event of a workplace injury.

According to an article in Business Insurance Quotes, there are five important things you can implement in response to an employee injury:

1. Seek medical attention. Make sure to call 911 if the injury is life-threatening or requires immediate attention. Although not all injuries require immediate emergency care, it’s imperative that you quickly report and respond to the incident to avoid potential lawsuits.

2. Understand your obligations to your employees. Keep in mind that injured employees have a right to file a claim, A form must be provided after they’ve informed you of the accident. Make sure to report the injury to the Workers Compensation insurance company as well.

3. Gather the facts about the accident on record. You should interview witnesses, take photographs, review video footage, and collect any other information that can be used on the claim form.

4. Complete the Employer’s Report of Accident form to cover all your bases. Give to a claims administrator to handle the rest of the details.

5. Stay on top of the claim. It can take up to 90 days for a claims administrator to accept or deny an employee’s claim. Contact medical providers to find out about work restrictions and inform the employee and doctor about light-duty work during the recovery phase.

At Vreeland Insurance Inc., we train our team to recognize all types of Workers Compensation claims. We understand your needs and have designed our programs to ensure that you get the most for your insurance dollar. We have the expertise to provide you with a variety of coverages and policies catered to your business. For more information, call us today at 877.755.3767.

A Risk Management Strategy for Identity Fraud

shutterstock_217857187When analyzing identity theft, it’s noted that over 10 million consumers every year are impacted by this crime. This is extremely costly from businesses at a price of $221 billion a year. While consumers are typically a target, now business owners have a new threat to be concerned about. In addition to staying protected with a New Jersey Business Insurance policy, ensure you have a risk management strategy in place in the event of identity fraud.

To summarize, business identity theft is the newest threat to small business and these criminals will take company identities and try to acquire credit through company names. They will continue to damage a business by preventing them from further acquiring credit.

According to an article in U.S. Small Business Administration, there are a few risk management strategies to prevent and detect identity theft.  

  1. Create a protection plan. Developing businesses must keep a protection plan in mind in regards to growing their company. Design a thorough risk management plan to protect your company’s identity and an action plan in case you do become the targeted victim.
  1. Protect company documents. Make sure to keep all important documents and records in a safe place and use a shredder for any other information. Never provide your company’s federal tax identification number, financials, or bank statements to anyone without initial contact. To protect purchases, use a prepaid business credit card for employees with limits and deactivation options.
  1. Protect information online. If you’re putting out sensitive company information on the web, make sure you’re using a secure site with security certificates up to date.
  1. Monitor business credit reports. Do this by subscribing to monitoring services that give you access to your company’s files 24/7. This is the fastest way to detect a fraud charge.
  1. Avoid the “master” user. The easiest way to gain access to all the company’s information is by creating any type of master user account and password. Avoid this at all costs.

At Vreeland Insurance Inc., we train our team to recognize all types of New Jersey Business Insurance. We understand your needs and have designed our programs to ensure that you get the most for your insurance dollar. We have the expertise to provide you with a variety of coverages and policies catered to your business. For more information, call us today at 877.755.3767.

When a Storm Hits

What to Do When a Storm HitsWhile out at sea, you can’t always predict the weather.  Lightning flashes among the darkening clouds and the wind and squalls begin to rush at your ship, forcing you to quickly prepare for the incoming storm. Not only should you be protected with the best New Jersey Recreational Boating Insurance program when a storm hits, it’s imperative that you heed the following precautions to ensure the safety of everyone on your vessel. Boat safety ought to be a part of your excursion, regardless the length of the trip.

Plan Ahead of Time

Before you set out to sea, check the current weather and the weather predictions, no matter the kind of boat you are utilizing. Should something unplanned occur or the conditions become more severe, head back to the nearest port or shore if possible.

When you’re caught in a Storm

Should you be caught in a storm, seek shelter in your boat’s cabin. To prevent taking on water from waves and rainfall, close all your cabin windows. If your boat does not have a cabin, remain low in the most central part of the boat. Don’t forget to unplug any electrical devices.

Lastly, make sure all your passengers are using their life-vests should you encounter rough seas. In addition, make sure to decrease your boat’s speed.

When Lightning Strikes

No ship is invulnerable to lightning damage. In fact, smaller boats are more susceptible to damage because there are fewer places lightening can go. Unfortunately, there isn’t a way to lightning-proof a boat. However, you can make your boat safer during a storm by using a bonding system. A bonding system could direct lightning away from passengers and major components to prevent or decrease the amount of damage.

At Vreeland Insurance Inc., we understand the importance of making sure that your boating trip runs smoothly. Call us today at 877.755.3767 for information on our New Jersey Recreational Boating Insurance program.

Keep Your Business Healthy! The Benefits of a Wellness Program

Keep Your Business Healthy! The Benefits of a Wellness ProgramWellness Programs have often been viewed as a luxury and not as an essential. However, for companies providing group health insurance plans, there are ways to reduce costs. As you consider the benefits of workplace health programs, ensure that your employees are covered with the best NJ Group Health Insurance policy.

According to an article on the Harvard Business Review, Doctors Richard Milani and Carl Lavie took a random sample of 185 employees and their spouses. Though the participants were not heart patients, they received exercise training and cardiac rehabilitation from a group of experts. Of those considered to be high risk when the study started, 57% converted to low-risk status by the end of the month. In addition, the medical claims costs declined by $1,421 per participant when compared with the previous year.

How do employees benefit?

Adopting healthy lifestyles not only reduces life-threatening diseases and their costs, but it improves an individual’s quality of life. Participation in health programs provides individuals knowledge, self-management, coping skills, and moral support among coworkers and supervisors. The investment of a wellness program is a reflection of how the company cares about its employees, which may contribute to improving overall morale.

How do employers benefit?

Employers may also benefit from a workplace health program in a variety of different ways. Employers that implement these programs have seen enhanced productivity in their employees, decreased employee absenteeism, and lower insurance and workers’ compensation costs. Improved health can reduce out-of-pocket expenses for physician office visits, medications, hospitalization, etc. Fostering a culture of health and wellness  can empower your employees to feel secure in their role at your company.

At Vreeland Insurance Inc., we understand the importance of making sure that your business stays healthy. Call us today at 877.755.3767 for information on our New Jersey General Liability Insurance Plans.

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