New Jersey Liquor Store Insurance Protects Shops

New Jersey Liquor Store Insurance Plans Protect Shops New Jersey Liquor Store Insurance Protects Shops 300x199 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.

Essex County Technology Insurance: Cloud Computing

Essex County Technology Insurance Cloud Computing 300x210 Essex County Technology Insurance: Cloud ComputingEssex County Technology Insurance: Cloud Computing

Cloud computing is a growing form of computing service to help reduce business costs by cutting back on computer infrastructure, like data servers, so that your business can focus on its services. By sourcing out computing services like application development, or data storage to an internet based infrastructure, your business can remain mobile and focus on the demands it needs rather than the tools to get it done.

Advantages of the Cloud Rather than pay and maintain your own business hardware, you are outsourcing your IaaS (Infrastructure as a Service) to companies like AT&T, IBM or Amazon to manage your business services. These companies will then charge your business for usage and service as opposed to paying for and maintaining your own hardware infrastructure. For example, by storing your data on the cloud you would pay a nominal fee to access information versus the cost of maintaining a data center at all times.

By utilizing the cloud as a platform for your business, you can rely on giant businesses like Amazon to store your data with them. This brings reliability as Amazon is a large retailer with extensive capability and advanced hardware technology. Netflix, the popular entertainment streaming service, is a company that relies on the backbone of Amazon to provide its’ services with cloud computing.

Disadvantages of the Cloud A major disadvantage of utilizing the Cloud is that your business will lose service if your provider experiences downtime. Not being able to access your information due to reasons uncontrolled by your company can suspend your operations indefinitely and cause you to lose money. There is also the issue of data ownership as, depending on the service agreement, your businesses’ data may belong to the cloud computing provider and not you.

Cloud computing is an interesting option for your business to consider. With extensive capabilities and cost efficiency, choosing to use these services can help you cut costs for your business. Whether or not Cloud computing is right for you, at Vreeland Insurance, we understand all the challenges that face your Essex County Technology Company.  Contact  us at (877) 755-3767 to learn more about these products as well as our other New Jersey Business Insurance options.

Warren County Business Insurance: Improving Employee Morale

Warren County Business Insurance: Improving Employee Morale

New Jersey Business Insurance Tips For Improving Employee Morale 300x200 Warren County Business Insurance: Improving Employee MoraleWhen it comes to running or managing a business, you have a lot of financial considerations to make, including making sure you have the right Warren County Business Insurance coverage. Equally important though, is ensuring your employees’ well-being. Improving morale in the work place is a challenging yet rewarding endeavor for your business. As we touched upon previously in How to Implement a Wellness Plan for your small business, healthy employees are more productive employees. So what can you do to improve employee morale?

Give recognition for a job well done

Receiving recognition for one’s hard work is the universal way to feel valued in a business. Nothing is better than working overtime through a grueling deadline to deliver a project and be recognized for it. A simple verbal or written notification of a job well done is an effective way to make an employee feel valued. Adding in incentives for doing good work doesn’t hurt either.

Encourage feedback

Being able to offer feedback and have employers or management recognize it boosts morale. Communicating any difficulties or challenges employees face, and having feedback, instills a sense of contribution and greater sense of worth in the workplace.

Enforce work breaks

Work is much more effective and productive when employees are refreshed. Encourage walks, fresh air, or have snacks available to entice employees to take a break from their duties. Having management actively involved in encouraging work breaks make it even more effective.

Surprise Employees

Change up the normal daily routine. Consider providing lunch from a local restaurant or gather employees together to discuss a new idea and get input. Changing up the norm and pleasantly surprising employees creates a positive atmosphere in which to work in.

At Vreeland, we know the importance of keeping employees happy and healthy that is why we provide your employees with extensive New Jersey Group Health Insurance. We have many options available and look forward to hearing from you. For more information on our Warren County Business Insurance coverages, contact us today at (877) 755-3767

How to Implement a Wellness Plan for Your Small Business

How to Implement a Wellness Plan for Your Small Business 300x216 How to Implement a Wellness Plan for Your Small BusinessHow to Implement a Wellness Plan for Your Small Business

Healthy employees are typically more productive than unhealthy workers, considering they are absent less. This is the biggest benefit to having a wellness plan in your office. One of the main reasons that many small businesses don’t implement a wellness plan is due to lack of funds for such a program. The good news is though; there are wellness program options that won’t break the bank. Don’t let limited resources keep you from starting a program. Here are some low-cost options to ensure that your employees stay healthy.

Online Wellness Programs. There are many apps and sites that allow you to download exercises and exercise timers on your computer. Some of these apps can even remind employees to do desk exercises at certain times, with accompanying videos.

Stress Management Programs. Mental well-being can be just as important as physical well-being. There are many mobile and web apps available for reducing stress, improving sleep, and even counseling. Or if possible, hire a massage therapist from time to time to do 10-minute chair massages for employees at the office.

Incentive Programs.  Some businesses offer perks to encourage healthy living. Is it possible for you to toss in an extra vacation day when employees reach their goal? Perhaps you can even create policies to encourage better habits, such as a wellness subsidy for health activities outside the office.

Health Risk Assessments. You can help your employees identify which unhealthy habits they need to address. It’s a good idea to have a representative from your insurance company or a fitness professional provide blood pressure, body composition, posture, and nutrition assessments.

These are just a few options available for your small business. Other considerations you could make is encouraging short breaks where employees can get up and walk around, and/or  bringing in fitness and health experts to speak to your staff.

At Vreeland, we understand that you want to give your employees the peace of mind that only comes with group health and life insurance. This is why we offer comprehensive coverages for businesses, including New Jersey Small Business Health Insurance, Employee Benefits Plans, and more. Please contact us for more information at (877) 755- 3767. 

NJ Manufacturing Insurance: A New Beginning for Manufacturing

NJ Manufacturing Insurance A New Beginning for Manufacturing 300x189 NJ Manufacturing Insurance: A New Beginning for Manufacturing NJ Manufacturing Insurance: A New Beginning for Manufacturing

Since the recession hit the country, most, if not all businesses suffered. With nearly 2.3 million workers, it’s inarguable that the manufacturing industry suffered tremendously. But trends are changing and the U.S. manufacturing industry is finally being struck by good news.

According to the National Association of Manufacturers (NAM), the production of goods overseas will be coming to an end. With the change in technology and globalization, this is a new beginning for the U.S. manufacturing industry (In fact, the manufacturing sector has been expanding for the past consecutive months). So, what and who is responsible for this resurgence?

Four Reasons Why the U.S. Manufacturing Industry Will See Growth

Reason #1: Increasing labor costs overseas
In recent years, many businesses have looked to China for the production of goods. However, labor costs are rising (22% in 2013 alone, and a 60% increase since 2009).

Reason #2: Rising transportation costs overseas
This includes an increase in volatile fuel costs and East-West shipping costs.

Reason #3: Rising labor productivity in the U.S.
Recent reports indicate a 36 percent growth in labor productivity in the U.S. And according to the U.S. Department of Labor, productivity will continue to grow.

Reason #4: Increase in energy competition
This increase in energy competitive is due to the discovery of new domestic sources of shale oil in the country and increase popularity of alternative energy sources.

When it comes to New Jersey Manufacturing Insurance, that’s our specialty!

At Vreeland Insurance, our agents are trained specialists in New Jersey manufacturing insurance. We have the expertise and years of experience to understand your needs, designing a program that enables you to get the most for your insurance dollar. Call us today (877) 755-3767

Additional Source: Property Casualty 360

The Importance of Workers’ Compensation for Contractors

The Importance of Workers’ Compensation for Contractors 300x200 The Importance of Workers’ Compensation for ContractorsThe Importance of Workers’ Compensation for Contractors

Although most states, including New Jersey, require that a business provide workers’ compensation, many do not adhere to it. But the truth is–workers’ compensation is too valuable to dismiss.

Just several months ago, Jose Kenn Alexi Cruz Villamar and Robert Wiley of K.C. Tile and Marble were struck by lightning while working at a construction site. Subsequently, Wiley sustained injuries that eventually led to his death.

Upon investigation, the owner, Joel Trujillo was issued a Stop-Work Order for the violation of Florida Statute Chapter 440. Failure to provide adequate workers’ compensation coverage and ignoring a Stop-Work Order culminated to the arrest of Trujillo. According to K.C. Tile and Marble’s CFO Jeff Atwater, “this tragedy is an example of why it is so important for companies to make sure their employees are covered by workers’ compensation insurance.”

This case is neither rare nor hyperbolic; workers’ compensation protects you, your employees and their employees. The fact is—business owners must take a proactive stance in protecting their investment.

Ladders, tiles, heavy machinery; the typical construction site is enveloped in hazards. Although, it’s unfeasible to hazard proof; investing in safety management practices and providing workers’ compensation coverage can give you that peace of mind.

So, why do you need Workers’ Compensation?

It’s the law! Imposed by the State of New Jersey’s Department of Labor and Workforce Development 34:15-1, “when personal injury is caused to an employee by accident arising, out of and in the course of his employment, of which the actual or lawfully imputed negligence of the employer is the natural and proximate cause, he shall receive compensation therefor from his employer…”

The statistics say it all! According to the Bureau of Labor Statistics, the construction industry is responsible for over 720 fatal work injuries; that is approximately 8.9 deaths per 100,000 full-time workers.

It’s your investment! You may not be able to change the environment, but you can ensure that you’re protected in the event that an incident occurs.

At Vreeland Insurance, we provide many construction firms throughout with New Jersey business insurance programs designed to protect the value they’ve built. We also specialize in a number of industries, delivering a breadth and depth of knowledge and experience that has earned us a stellar reputation throughout the Garden State. Our access to several top-rated insurance companies gives us the advantage of offering competitive rates that our customers can afford. Contact us for more information about how we can serve your construction firms insurance needs. Call us at 877.755.3767

NJ Homeowners React to Biggert-Waters Flood Insurance Reform Act of 2012

NJ Homeowners React to Biggert Waters Flood Insurance Reform Act of 2012 300x225 NJ Homeowners React to Biggert Waters Flood Insurance Reform Act of 2012NJ Homeowners React to Biggert-Waters Flood Insurance Reform Act of 2012

In June of 2012, a large overhaul of the National Flood Insurance Program (NFIP) was passed by both the House and the Senate with a 373-52 and 74-19 vote, respectively. When Obama signed the bill on July 6 of the same year, the big “I,” Congress and the President intended to address the 26 billion dollar debt the national Flood Insurance Program accumulated over 40 years. However, the overhaul is changing more than anticipated.

The bill otherwise referred to as the Bigger-Waters Flood Insurance Reform Act of 2012 is impacting the real estate market in unexpected capacities. Although many of its provisions have been implemented, its effects are just now being felt by New Jersey homeowners.

The bill entails a number of provisions, but for the purposes of this post, we will briefly outline the key provisions and its effects on NJ homeowners.

What is the Biggert-Waters Flood Insurance Act of 2012?

  • Availability of Insurance for Multi-Family Properties – Sec. 100204
  • Eligibility for Flood Insurance for Persons Residing in Communities Making Adequate Progress on the Improvement of a Flood Protection System – Sec. 100230
  • Clarification of Residential and Commercial Coverage Limits – Sec. 100228
  • Minimum Annual Deductibles Changes – Sec. 100210
  • National Flood Mapping Program -Sec. 100216
  • Insurance Coverage for Private Property Affected by Flooding from Federal Lands- Sec. 100241
  • Treatment of Swimming Pool Enclosures Outside of Hurricane Season – Sec. 100242

How have NJ homeowners react to the Biggert-Waters Flood Insurance Act of 2012?

Because the bill seeks to make up for the NFIP’s deficit; subsidies for second homes must be eliminated, new flood risk zone maps must be redrafted, premium rates must be raised and risks must be more accurately identified.

The surge in New Jersey flood insurance premiums have affected homeowners and realtors alike. According to Lock Haven’s The Express, those who purchase a home in one of New Jersey’s high risk zones may see the premium multiply by four to ten. To put that into prospective, a homeowner may have to pay a mortgage’s worth of flood insurance rates.

What do you think the effects of these reforms will be? Do you think the reforms reflect the true risks homeowners face? We’d love to hear from you.

At Vreeland, as a full-service independent insurance agency and as an advisor to many communities throughout the state, part of our integrated protection solution is to talk with our customers — and future customers — about the need for New Jersey flood insurance. The right policy can provide you with a safety net against losses resulting from heavy rains, flood surges, snow melts, storm drain backups, etc.

Contact Us Today (877) 755-3767

New Jersey Construction: Investing in Safety Management Practices

New Jersey Construction Investing in Safety Management Practices 300x200 New Jersey Construction: Investing in Safety Management PracticesNew Jersey Construction: Investing in Safety Management Practices

Last Sunday, a small work site in South Jersey’s Piscataway became subject to investigation when a 59 year old construction worker was killed by a bulldozer. Unfortunately, we’ve heard this news before.

Like its neighboring states, New Jersey is continually in construction.  Trailing behind California, Florida, New York, Texas, Illinois, Pennsylvania and North Carolina; New Jersey ranks eight in states with the most established construction firms.  With over 23,000 construction companies in the state alone, New Jersey is liable for the safety and well-being of approximately 164,099 developers, contractors, carpenters, electricians, and plumbers roaming around the state’s 8,000 square feet of hazardous land.

According to the Bureau of Labor Statistics, the construction industry is responsible for over 720 fatal work injuries; that’s approximately 8.9 deaths per 100,000 full-time workers. The construction industry must take a proactive stance in prioritizing safety management above all else.

According to McGraw Hill’s report entitled Safety Management in the Construction Industry, factors that drive the implementation of strong safety management practices include the following:

  • Concern about Worker Health and Well-Being
  • Insurance Costs
  • Liability Concerns
  • Avoiding Potential Business Disruption
  • Owner/Client Demand
  • Regulatory Requirements
  • Desire to Improve Productivity
  • Past Incidents Involving Worker Health and Well-Being
  • Industry Leadership in Overall Safety Culture
  • Competitive Advantage

However, there are also several factors that actually discourage the implementation of the strong safety management practices. This includes:

  • Increased Costs
  • Lower Productivity
  • Lack of Organization Commitment
  • Impact of Competitiveness

At Vreeland Insurance, we provide many construction firms throughout with New Jersey business insurance programs designed to protect the value they’ve built. We also specialize in a number of industries, delivering a breadth and depth of knowledge and experience that has earned us a stellar reputation throughout the Garden State. Our access to several top-rated insurance companies gives us the advantage of offering competitive rates that our customers can afford. Contact us for more information about how we can serve your construction firms insurance needs. Call us at 877.755.3767

3 New Jersey Flood Insurance Misconceptions

3 New Jersey Flood Insurance Misconceptions 300x200 3 New Jersey Flood Insurance Misconceptions3 New Jersey Flood Insurance Misconceptions

We are almost half way through the hurricane season, but it’s never too late to purchase flood insurance for your New Jersey home. Fortunately, we haven’t experienced storms as destructive as Sandy or Katrina, however, we can’t discount that it won’t happen in the upcoming months.

Since Superstorm Sandy, residents across the Atlantic seaboard were feverishly warned and encouraged to start preparing for the unexpected.

Do you have New Jersey flood insurance? The term, flood insurance provokes a number of assumptions, but it’s time to get these misconceptions cleared!

1)      “I don’t reside in a high-risk flood zone nor do I live along the coast.” Although those living outside this zone are not mandated to purchase flood insurance, it’s encourage to, at the very least, consider buying it. According to the Federal Emergency Management Agency (FEMA), between 20 and 25 percent of their claims are from residents whose homes and/or businesses lie outside the high-risk flood zone. In short, an area doesn’t need to have a history of floods to have a flood. The damage a home or business may incur due to a flood can be irreparable.

2)      “I already have a comprehensive homeowners insurance policy.” Homeowners insurance protects your home and its contents from several perils, however, floods are one of two exceptions. (also applicable renters and condo insurance). Flood insurance requires a homeowner to purchase a separate flood insurance policy. Flood Insurance is relatively limited, in that personal property and external structures (e.g. fences, hot tubs swimming pools, patios) are not covered.

3)      “I’m already covered by the National Flood Insurance Program.” The National Flood Insurance Program (NFIP) is capped at $250,000 for a home’s structure and $100,000 for its contents. However, independent insurance agencies, like Vreeland Insurance provide coverage far beyond the NFIP’s $250,000/$100,000.

At Vreeland, as a full-service independent insurance agency and as an advisor to many communities throughout the state, part of our integrated protection solution is to talk with our customers — and future customers — about the need for New Jersey flood insurance. The right policy can provide you with a safety net against losses resulting from heavy rains, flood surges, snow melts, storm drain backups, etc.

Contact Us Today (877) 755-3767

Source: http://www.insure.com/articles/floodinsurance/flood-insurance-misconceptions.html

New Jersey Health Insurance: Employer Mandate Delayed

New Jersey Health Insurance Employer Mandate Delayed 300x200 New Jersey Health Insurance: Employer Mandate DelayedNew Jersey Health Insurance: Employer Mandate Delayed

As of early July, the Obama administration delayed an essential requirement of the Affordable Care Act—the employer mandate.

What is the mandate?

The employer mandate penalizes larger businesses (50 plus employees that work 30 plus hours) that fail to provide health insurance coverage to its employees. The mandate was set to be take effect this coming January 1 but is now pushed back to 2015.

Why did the Obama administration delay this mandate?

According to President Obama’s Senior Adviser, Valerie B. Jarrett, this health insurance mandate delay is in response to the concerns of affected business. In the interim, the Obama Administration will attempt to address these concerns.

  • Problem: “…the reporting called for under the law about each worker’s access to and enrollment in health insurance requires new data collection systems and coordination.”
  • Solution: The Obama hope to modify and simplify the reporting process.
  • Problem: Most affected businesses felt there wasn’t sufficient time to comply with the new rules.
  • Solution: The delay provides employers more time to comply with the new rules. In the interim, employers will be able to analyze their finances to determine how they will implement the new rules.

How does this affect New Jersey businesses?

Although 96 percent of businesses do not meet the 50 plus employee requirement, 4% would be affected. Many of these businesses are chain restaurants, retail stores, and home health companies who simply can’t afford a 2,000 dollar penalty per employee who gets subsidies. In the interim, businesses are encouraged to ask themselves, is it feasible? If not, how can they turn the impossible to reality? Would they have to lay off employees and decrease wages?

Be proactive and take charge. It’s essential for New Jersey businesses to use this time wisely to update their health insurance coverage to satisfy the mandate’s requirements.

At Vreeland Insurance, we place a high priority upon getting you the group health/life insurance protection you need to cover your employees. Sure, you can try going without…but the price you pay in the long run could well be much in excess of what you’d pay in premiums now. And we’re very good at helping you keep your monthly costs low and affordable.

Call us today to speak with our New Jersey group health and life insurance specialists.

Sources: http://www.whitehouse.gov/blog/2013/07/02/we-re-listening-businesses-about-health-care-law

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