Why NJ Food Distributors Need Product Recall Insurance

Why NJ Food Distributors Need Product Recall Insurance Why NJ Food Distributors Need Product Recall Insurance

The risk of a product recall has increased exponentially in recent years for food manufactures due to a number of risk and liability exposures. Product contamination, improper labeling and food handling are all liability concerns associated with a product recall, each exposing NJ food producers to losses, litigation and regulatory investigations into operations. Product recalls are often lengthy and financially draining processes which can dramatically impact New Jersey food distributors. As such, it is important the NJ food distributors properly protect themselves against these losses by securing complete product recall insurance as part of their NJ Food Distributor’s Insurance policy.

Food allergy related product recalls in particular are becoming increasingly frequent in recent years. Such exposures as cross contamination and improper packaging, specifically when it comes to identifying allergens within food goods can create the need for a widespread product recall. According to the U.S. Department of Health and Human Services, four out of every 100 children suffer from some form of food allergy, and more than 90 percent of allergic reactions stem from eight food types: milk, eggs, peanuts, tree nuts, fish, shellfish, soy and wheat.

As a result, the Food Allergen Labeling and Consumer Protection Act was created to hold food manufacturers responsible for identifying major allergens on food labels, or else risk recall. Furthermore, following labeling protocol doesn’t absolve manufacturers of risk. Food producers and distributors who work with allergens must do their best to implement processes that eliminate cross-contact; where a food allergen can contaminate a non-allergen containing product, and provide proper labeling informing consumers when goods that do not contain allergens have been processed on the same machinery or in the same facility as products with allergens. However, even these measures are not always enough to eliminate liability and stay a product recall. There is an ever growing list of food allergens as consumer food allergies and as sensitivities continue to rise across the states food producers constantly have to adjust to new labeling and food handling laws and standards.

Product recalls are a frightening prospect, and chances are that most New Jersey food distributors will face some sort of product recall or another over the course of their operation. At Vreeland Insurance, we can help you protect your operation from the costly implications of a number industry loss and liability exposures. Our NJ Food Distributors Insurance programs are designed specifically to incorporate product recall, product contamination, environmental liabilities, and other unique exposures that NJ food distributors face. To learn more about our Product Recall insurance or other business insurance products, contact us today at (877) 755-3767.

NJ Rental Property Insurance: Limiting Eviction Liabilities

NJ Rental Property Insurance: Limiting Eviction Liabilities NJ Rental Property Insurance Limiting Eviction Liabilities

When you own or manage rental or investment property, you incur special risks that come with the responsibilities of being a landlord. To insurers, these risks are known as liability exposures or loss exposures. It is your responsibility as a property owner or manager to adhering to the laws and regulations regarding your rights and the rights of your tenants, and this responsibility is accompanied by liability risk exposures. Should you fail to preform your duties as a landlord, like maintain the property in livable condition, you can be held legally responsible for any losses incurred by your tenants.

There are many liability concerns when it comes to being a landlord. For example, evicting a tenant can be a huge exposure for losses and complications if not handled appropriately by the landlord. The trick is to fully understand your rights as responsibilities as a landlord, and follow the legal processes to the letter. Despite it’s misnomer, New Jersey’s Anti-Eviction Act was created to protect tenants from unwarranted evictions yet it does not prohibit landlords for evicting tenants entirely. Instead, it simple sets a sets of standard protocols for landlords to follow to protect both themselves, their property and their tenants. New Jersey landlords are afforded the right to evict there tenants on a number of premises, so long as the proper procedures are followed. Doing so will minimize your risk of facing a lawsuit from a disgruntled tenant therefore decreasing your risk exposure to losses.

When it comes to minimizing risks for rental property owners and managers we can help.  At Vreeland, we can help you cover your liability risks with an affordable rental or investment property insurance plan. Our NJ Rental Property Insurance offers far more than just liability protection against lawsuits, it also offers a complete host of property protection as well to help protect you against the risk on revenues lost due to fires or storms or other events, and protect your long-term investment. Every New Jersey commercial property owner faces different risks, so let our NJ rental property insurance specialists sit down with you and create the perfect solution. To learn more about our property insurance solutions, call us today at (877) 755-3767.

NJ Landscaper’s Insurance: Challenges of Winter Work

NJ Landscaper’s Insurance: Challenges of Winter Work NJ Landscaper’s Insurance Challenges of Winter Work

Winter can be a rough time for New Jersey landscaping professionals. As foliage begins to hibernate and a blanket of snow begins to descend for the winter work tends to slow and duties change. Depending on your operation and the services you offer, you may find that your winter responsibilities include snow and ice removal, tree trimming and lean up, leaf raking, foliage upkeep and removal. When it comes to working in the ice and snow there are a number of additional safety concerns to watch out for.

Here are a few major risk exposures to look out for:

  • Slips and falls are the most common work related accidents all year-round; however the changes greatly increase during the winter months. During winter, snow, rain and ice accumulation creates overly slippery outdoor surfaces. As a result many landscaping professionals face the increased risk of slipping or losing their footing on slick surfaces from walkways and paths to ladders and platforms.
  • Icicles can become hazards when left unattended. As icicles thaw and break off they can become dangerous projectile so it is important to remove them from overhangs above walkways and paths.
  • Snow build-up can decrease visibility to trees, hedges and other vegetation and other outdoor landscaping features thus increasing the likelihood of accidents and injury when working with trees and other foliage.
  • Prolonged exposure to cold and ice can take a greater toll the human body. As such it is important that all outdoor workers are properly clad in waterproof and insulated clothing designed for safety and warmth. While thick and bulky clothing will help keep workers warm, they are also decrease maneuverability and pose a safety hazard. As such it is important to encourage workers to seek safe and functional warmth solutions. Water repellant clothes, waterproof boots, insulated coveralls, weather appropriate gloves and headwear are all recommended by the Occupational Safety and Health Administration.

Keeping workers safe on the job is your responsibility as an employer, but not all accidents can be prevented. As such, it is important to have a strong strategy in place to handle worker place accidents and employee injuries on the job, including strong NJ workers compensation coverage.

At Vreeland Insurance, we provide comprehensive New Jersey Landscaping Insurance programs at a competitive cost that are tailored to meet your operation’s specific risk and loss exposures. Our NJ landscaper’s insurance specialists can help secure all the business insurance solutions you need. To learn more about our operation, give us a call today at (877) 755-3767.

Do you need NJ Business Vehicle Insurance?

Do you need  NJ Business Vehicle Insurance? Do you need  NJ Business Vehicle Insurance?

When it comes to protecting business vehicles, there are many factors to consider. If your operation owns its own business vehicles, you will have different risk exposures and NJ business vehicle insurance needs that an operation which relies on their employee’s to use their own vehicles for work activities. Many small business owners and employees often utilize their personally owned vehicles for business purposes mistakenly believing that the motorist’s own personal auto insurance will protect them in the event of an accident. However, when a vehicle is being used for work related functions, travel or other activities on a regular and reoccurring basis, the situation becomes more complex. The fact is, when a vehicle is being used for work purposes, NJ businesses can be held responsible for any losses, damages, or liability claims that surface in connection with a vehicle being used for your business purposes.

Protecting business owned vehicles is much more straight-forward than protecting your employee’s personal vehicles which they also use for work. A commercial or business vehicles policy should have the same coverage inclusions as any personal vehicle. These policies should include liability, collision, comprehensive, personal injury protection and coverage for uninsured motorists. When insuring business owned vehicles, the policy can be taken out through the company itself, naming the business as the “principle insured”. This will help avoid possible confusion in the event that you or an employee need to file a claim or a claim is filed against you.

Personal auto insurance policies will often provide coverage for some business use of non-business owned vehicle, however it is unlikely to provide enough coverage if the vehicle in question is used primarily in business. When employees are utilizing their own vehicles for business use it is important that the vehicles and drivers have sufficient liability coverage to protect your business in the event of a serious auto accident.

There is a lot to consider when looking to protect your operation from loss and liability exposures, but working with the right NJ insurance agency can help. At Vreeland Insurance, we work with our clients to identify their unique needs and exposures before crafting customized New Jersey business insurance solutions to meet those needs. Our NJ business vehicle insurance specialists can create a business auto insurance package tailored to the specific needs of your operation, including owned and non-owned vehicle coverage. To learn more about our  NJ business vehicle insurance policies or any of our other business solutions, give us a call today at (877) 755-3767.

NJ Food Manufacturers Insurance: The Importance of Location

NJ Food Manufacturers Insurance: The Importance of Location NJ Food Manufacturers Insurance The Importance of Location

Food manufacturing is a dynamic and constantly expanding industry. Not only can food manufacturing be a lucrative business, many communities now offer multimillion-dollar public subsidies for a manufacturing plant to choose their location to call home. These subsidies hope to attract large processing operations and create job opportunities for the local residents. However this process has led to plants being constructed in unfit locations or densely concentrated in some areas over others. While these deals may be ideal to starting up a new facility, in some cases they may always be in the manufacturer’s best interest.

According to experts there are a number of factors which should be considered before choosing a plant’s location, including environmental factors, business model, accessibility, production capacity and future growth projection, just to name a few. Your business plan should be the true foundation of your site-selection process, as to best ensure that the needs of the business are being met, risks are being reduced and that you are establishing the operation in a place which will allow it to thrive.

Here are a few factors experts suggest that NJ food manufacturing operations consider while selecting a site for a new plant. :

  • Understand the location: It is important to consider land availability now and in the future ,if growth becomes an option later down the line. Choosing a piece of property with the present and future in mind can save an operation from having to relocate later. It is also essential to understand the geography of an area in terms of accessibility, environmental stability, government regulations and land conditions.
  • Utility and water costs — One of the largest expenditures faced by many NJ food manufacturing operations is are the costs of operation, such as water, electricity, fuels and other essential utility fees to keep machinery running and products coming down the line. Creating understanding your usage needs will help manufactures address these needs right from the start and ensure that the plant is designed with these needs in mind.    When selecting a site, it is essential to ensure that an adequate energy supply source is readily available.
  • Think about transportation- Consider your locations distance from customers, proximity to existing infrastructure to transport food goods from your production facility to their destination, and access to the supplies and materials you need. Speedy transportation is especially important in the food manufacturing industry because food spoilage and contamination can be costly liability issues which can lead be a catalyst for business interruption and other complications.
  • Environmental issues — Not only must food manufacturers be concerned with their own environmental impact, but they should be mindful of the possibility of contamination from outside sources.  This is a crucial consideration for food processing plants, because food goods are susceptible to harsh regulations and standards and there are many locations unsuitable for food production facilities.

At Vreeland, we specialize in helping NJ food manufacturers mitigate the wide variety of unique risk exposures these operations commonly face. We will not only put together a comprehensive NJ food manufacturers insurance program, but we’ll also help to evaluate your overall financial assets and operations to advise you on important areas of risk transfer and management. Our vast New Jersey business insurance portfolio includes essential and extended policies customizable to fit the unique needs of your operation. Give our specialists a call today at (877) 755-3767  to learn more about our comprehensive NJ food manufacturers insurance and risk management approach.

NJ Pre-School Facility Insurance: Keeping Kids Safe

NJ Pre-School Facility Insurance: Keeping Kids Safe NJ Pre-School Facility Insurance Keeping Kids Safe

Pre-school programs seem to be on everyone’s mind this September as the national anxiously watches New York City unveil over eleven hundred free, full-day early-childhood development programs set to begin early this month. An estimated 51 thousand children have been enrolled in the new full-day programs which is nearly twice as many students as last year. While the new school year began without a hitch for most students, there were a few programs and establishments which faced setbacks due to safety concerns and other complications. Nine programs were unable to open after undergoing rigorous inspections by fire, health and NYC Education Department officials. While officials have refrained from releasing the names of specific programs, the have noted that the challenges ranged from health and safety concerns, such as exposed wiring or the presence of rodents, to the financial security of the organization.

Student safety is always a top priority for educational and childcare institutions, but keeping children safe at all times can often be a huge challenge for teachers and childcare providers. Young students can get especially rowdy and rambunctious at times, and as such their safety is not always easy to guarantee. In a world highly prone to litigation, even a small mishap can quickly escalate into a potential hazard for the pre-school program directors and facilities. Even unfounded allegations of negligence, neglect and other wrongdoing can take a heavy toll on an operation. One of the best ways that early childhood education programs can protect themselves and their staff members from the various liability exposures they faces is by obtaining the right insurance.

At Vreeland Insurance, we offer an array of business insurance solutions for New Jersey operations of all types and sizes. Our Pre-School Facility Insurance programs offer comprehensive coverage designed to fit the unique needs of early childhood educators and protects the facility, staff members, and the children under their care. We can help craft a comprehensive portfolio of policies that work together to provide coverage for the many risks that come with the territory, including liability exposures. To learn more about all our risk management solutions, give our NJ Pre-School Facility Insurance specialists a call today at (877) 755-3767. 

Why Do Plumbers Need NJ Workers Comp?

Why Do Plumbers Need NJ Workers Comp? Why do Plumbers Need NJ Workers Comp

The supply of fresh, clean water and the removal of  waste are vital to the health and well-being of all civilizations. From the beginnings of irrigation, civilizations have understood the risks involved with separating clean usable water from contamination. To mitigate some of these risks, the Romans utilized aqueduct systems to help limit clean water’s exposure to soil, human and animal waste and other contaminants. They often enclosed their fresh water in pipes made from the common metals of the time, such as lead.  Thousands of years later, modern scientists discovered that the very piping used to protect fresh water from contamination could in fact be causing illness. Lead piping is just one example of how innovation rarely comes without new and unexpected risks.

Today, NJ plumbers work in a variety of settings with a variety of materials, which often exposes them to countless known and still unidentified health and safety hazards. Although the modern plumbing industry works hard to improve not only the health and safety of their workers but also the safety of communities around the world, there are still many common hazards. Understanding the risks faced by the plumbing industry can help business owners and independent plumbers manage their own exposure to all potential hazards that may arise while establishing and maintaining a plumbing system.

Some of the main occupational hazards that all NJ plumbing professionals should be aware of include:

  • Exposure to hazardous substances such as lead, sulfur dioxide, asbestos, mold and chemical compounds.
  • Exposure to Biological hazards when working on sewage pipes or septic tank outlets, or when laying new pipe in soil. This can include exposure to diseases, viruses, and other microorganisms which can be transmitted through human and animal waste.
  • Work related accidents and bodily injuries from their job performance, such as slips or cramps due to lifting, straining and awkward bodily positioning.
  • Working conditions such as high temperatures, heights, and confined spaces.

The plumbing industry faces many unique risk exposures, which can have dramatic impacts on workers and businesses alike. Having a strong New Jersey Workers Compensation program can help minimize the risk exposes plumbers face should a worker suffer from a workplace accident. NJ Workers Comp is designed to help employers provide the proper financial resources to help their workers receive any necessary medical care needed as a result of a workplace accident. At Vreeland Insurance, we understand the risks you and your NJ business face. That’s why we offer a host of business insurance solutions, such as NJ Workers Comp, professional liability and property coverage to help NJ plumbers protect their assets. For more information about our offerings, give us a call today at (877) 755-3767. 

NJ Preschool Insurance: NYC Draws from NJ Policy

NJ Preschool Insurance: NYC Draws from NJ PolicyNJ Preschool Insurance NYC Draws from NJ Policy

Community-based early childhood education providers are facing challenges in the wake of NYC Mayor Bill de Blasio’s plan to offer free pre-kindergarten education through the New York City public school system. Drawing on the efforts of New Jersey’s early childhood education efforts, de Blasio successfully snagged a $300 million dollar allotment from the budget to help ensure that all 3-4 year olds have access to the education they need. The city program is aiming to provide 53,000 full-day pre-k seats this fall, which in roughly twice as many as the previous year. Part of his program also calls for salary increases for early child hood educators in order to help make the field a more viable career option. The base salary for a city position is $48,445 with full healthcare benefits, summer time off and the potential to early salary increases up to $59,000 after the first three and a half years. These attractive promises are luring many of the strongest community educators to apply for city teaching positions, causing quite a problem for community based programs.

Many community based pre-kindergarten facilities are suffering staffing losses due to transitioning teachers looking for more benefits and higher salaries than the private facilities can offer.  The Mayor did increase the starting pay for independent programs overseen by the Education Department, to $44,000 for teachers with a bachelor’s degree. Despite that effort, these positions are still compensated less than their city counterparts and offered no guaranteed salary growth assurance. Many of these institutions provide year round care and can only afford to offer limited healthcare provisions to educators, making it them less attractive as long term employers. Community facilities fear that their students and families will suffer as a result of higher turnover rates of teachers passing through their facilities on their way to city-programs. There is however no shortage of staffing prospects thus far. With a rough combined 1,000 open early childhood education positions currently available and 2,000 applicants, the competition is high across the board.

It is not year clear whether de Blasio will seek to further reform the pre-kindergarten system, incorporating more elements of the NJ two year plan education system for lower-income areas. New Jersey’s education plan didn’t come easily and de Blasio could have a long road ahead of him to help New York City’s youth.

Early childcare providers face a wide range of hurdles as education professionals. At Vreeland Insurance, we provide risk management support for New Jersey’s Pre-K educators to help protect themselves and their students. Our Pre-School and Day Care Facilities Insurance Plan is designed to protect you, your employees, and the children you’ve been hired to care for, with a comprehensive portfolio of NJ Preschool Insurance policies that work together to provide coverage for the many risks that come with the territory. We offer everything from Workers Comp to host of liability coverage options to ensure that everyone involved is protected. Call us today at (877) 755-3767 to find out more about how we can help you take care of our community.

Trenton Business Insurance: Cannabis Industry a Growing Controversy

Trenton Business Insurance: Cannabis Industry a Growing Controversy

Trenton Business Insurance Cannabis Industry a Growing Controversy

The legalization of marijuana has been an increasingly controversial topic among politicians and legislators after Colorado passed statutes allowing highly regulated recreational use, production and purchasing of cannabis. The new laws went into effect in January of this year and have already created quite a debate over the impacts Colorado and other states face as a result. While critics argue that a rise in crime would ensue, the opposite has actually been reported by Colorado law enforcement officials. Officials reported an eleven percent decrease in property crime and 5.6 percent decrease in violent crime occurrences. Reports also indicate the in the first three months of 2014 Colorado received 7.3 million dollars in tax revenue from the cannabis industry alone. Industry growth is rapidly increasing and many states may soon be following in Colorado’s footsteps, as an estimated 58 percent of Americans now support marijuana legislation reform.

New Jersey Senator Nicholas Scutari introduced legislation efforts early this year proposing that Garden State lawmakers recognize and harness the potential of legalizing recreational cannabis. Sen. Scutari estimated that New Jersey could yield up to 100 million dollars in taxes and other revenue if marijuana was legalized for adult consumption. While Governor Christy has openly opposed such efforts, many New Jersey businesses have expressed interest in harvesting the potential of recreational marijuana. New Jersey based investment banking firm Point Capital has launched a new venture to provide financial backing to budding businesses looking to legally enter in the cannabis industry. The CEO of Point Capital indicated that the company is intrigued by the changing political climate and excited by the new investment opportunities into a lucrative industry.  If legalization legislation is passed, New Jersey expansions into the marijuana industry could be lucrative for daring entrepreneurs, farmers, investors and expanding businesses alike.

While the fate of recreational cannabis in New Jersey has yet to be decided and the impact on the economy is still unknown, it is always good to be prepared for new legislative regulations as they arise in any industry. All commercial endeavors face potential risks involved with operation and are subject to changing legal restrictions and requirements. These factors should be considered and adjusted for in your Trenton business insurance plan.

At Vreeland Insurance, we understand that risk in any new venture is to be expected and we strive to alleviate the stress of risk management. We have experience working with clients across a wide array of industries to fully assess the hazards any business may face. Our New Jersey Business Insurance policies offer the most comprehensive Trenton Professional Liability and Trenton Excess Liability coverage options to ensure your business is properly secured, no matter what industry you operate in.  Give us a call today at (877) 755-3767 for more information about any of our Trenton Business Insurance offerings.

New Jersey Liquor Store Insurance Protects Shops

New Jersey Liquor Store Insurance Plans Protect Shops New Jersey Liquor Store Insurance Protects Shops

Owning a liquor store is a notoriously risky business. The late hours of operation mixed with distribution of pricey judgment impairing substances can present an easy target for crime. Early this year police investigated the repeated armed robbery of a Delaware liquor store which has come under attack twice in a month’s time. The robberies that occurred in late December and early January were both committed by two unknown perpetrators brandishing guns to obtain money and cigarettes, which led authorities to assume a connection. The incidents created big problems for the store owners who were left short of income, products and customers due to the business interruption. While physical threats are somewhat inevitable their damage can be mitigated with the right New Jersey liquor store insurance plan.

As if protecting yourself against physical crime wasn’t enough a new form of crime spree is causing headaches for shop-owners across the country large and small. Liquor stores are becoming increasingly susceptible to cyber-crime as well. Lawbreakers are finding new ways to “knock-off” the local liquor store through cyber hacking and security breaches that allow delinquents access to significantly more money than is in your average cash register. A major Texas liquor store chain recently reported a security breach in their cash management system which has exposed their customers to identity theft and personal data leakage. The chain claimed that the cyber interference involves 34 of its small neighborhood stores exposing hundreds of customers to potential information security threats. Cybercrime is rising nationally and can be costly to customers and businesses without proper prevention and recuperation plans. Good cyber liability insurance can help protect your business against information leaks which can leave you and your customers exposed to financial fraud.

At Vreeland Insurance, we understand the exposures and challenges you face, including crime, responsible server practices, and customer employee safety so we strive to help you mitigate or avoid many of the risks your business faces. Our Liquor Store Insurance Program offers the best coverage for your shop, specifically tailored to your business’s needs.  Our Business Insurance policies offer coverage ranging from property and crime to cyber liability policies so that no matter what dangers your shop faces, you can rest assured that your business is protected. Contact us at (877) 755-3767 to see how we can help get you the coverage you need.

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