Contractors involved in building rehabilitation often do so to preserve important dated physical property characteristics or historical attractions. The work may also just be tax-credit motivated or an option to lower...

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When the warmer seasons are in force, it’s the time to enjoy the great outdoors to the full extent. These days, homeowners are taking more advantage of their yards by installing all types of family entertainment. From...

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A PRIME Insurance Special - Fourth of July and the summer months in general are popular times for people to go on trips away from home. Related: 7 tips on security for the apartment renter While vacation mode may make...

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You’re on the verge of buying a house and it’s a time to celebrate. After all, the search for a home to call your very own is an exhausting adventure. But, not so fast. Before you sit back and pat yourself on the back,...

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Just another Insurance Success Story - It was literally in the middle of the closing that the man acquiring a Newark, NJ 2-family occupied home-property reached out to Laizer, one of Prime's senior insurance agents. “I...

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Everyone understands that smoking is bad for health. What many do not realize, though, is that smoking is a leading cause of home, property and forest fires - and resulting damages and loss of life. While your home...

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You don’t have to be an amusement park, theme park or fairground owner to understand that the industry has multitude forms of exposure to liability. Current events highlighting malfunctions leading to accidents...

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There’s nothing like the modern era’s technology to prevent a burglar from entering your home and making off with valuables. And when it comes to homeowners, condo or renters insurance, you’re likely to get the benefits...

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Fire! Fire! The eternal call of help to professional and volunteer firefighters triggers thoughts of home and property damage as well as injury and loss of life. RELATED: Commercial auto insurance for firefighters...

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As residents in NY, NJ, PA and other spots have learned, tornado and severe wind storms are not reserved for the Tornado Valley alone. A tornado can erupt anywhere in the US very suddenly. The insurance people...

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Wind farms incorporate an assortment of wind turbines as an energy generating alternative to traditional sources. This can be used as an energy supply to an individual business or to deliver energy to the power grid....

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Like the full-service auto repair shop, those in the Quick Lube or vehicle oil changing industry may include mechanics on staff to service customers’ basic mechanical or maintenance needs. Related insurance coverage can...

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Saving money? Who doesn’t love that? When it comes to your insurance, teaming up with a good agency that can shop the network for you to find tailored coverage at the best quote is the way to go. When it’s about heating...

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Polar Vortex Alert from PRIME Insurance and The Hartford - One of winter’s most expensive insurance claims involve burst pipes. Extreme cold has resulted in hundreds of thousands of dollars in losses for businesses, but...

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Question: How does Prime’s legendary customer service get even better? Answer: When the day at the office is not long enough and the insurance specialist follows up after hours for your benefit at her home! Here’s just...

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- - The American Indian Nations communities are exposed to many of the same business risks as other entities. However, there are definite differences that an experienced insurance provider, familiar with cultural and ...

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If you live in an apartment, your chances of being victimized by a thief are arguably greater than a private homeowner because of the relative ease of access into the building. Criminals can break in whether you are in...

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Holidays are a time of celebration. If you are planning to host a party in your home, there’s one thing besides the guest list, menu and entertainment that you need to be cognizant of. Keep in mind that you may be held...

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Hunting and fishing clubs own or lease tracts of land and have a membership of hunters and fishermen that pursue the outdoor sport. Adventure and excitement aside, these venues are exposed to a host of liability risks....

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Whether it’s holiday gift-giving season or not, toy stores have their own set of liability risks. Some are common to any business. Others are directly related to the products sold and the clientele that patronizes the...

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Homeowners Insurance by the Prime Experts - Here’s just a small anecdote that emphasizes Prime’s proficiency in insurance. A Jackson, NJ customer had a homeowners policy with one of the many insurance companies we do...

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When a sewer line contractor working in the heart of a residential area in Lakewood, NJ struck a gas line, it sparked an explosion and prompted dozens of home evacuations. RELATED: testing for radon in your home In view...

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Before we can discuss the necessary insurance coverage for Brownfields, let’s clarify what these sites are. Brownfields development sites generally are unsightly abandoned, unoccupied or underused industrial and...

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If you are over the age of 55 and rent a home or unit in a retirement community or assisted living facility, you need to be aware of the importance of related coverage. Renters insurance is often misunderstood. Many...

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Electronic video game centers, including those that offer competitive gaming, have become big business. But along with the profits come the risks. RELATED: video game/arcade center insurance claims examples What type of...

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Railroad Property Liability Insurance - Various forms of railroad exposures include short line, regional, light transit, and national among other types. The big specializing insurers, like Lloyds of London, generally...

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Insurance agent Laizer Schonbrun relates the following about a tenant occupied home client. “Someone reached out to us here at Prime Insurance complaining about how the bank placed forced coverage on his tenant occupied...

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Before we can understand the concept of insurance coverage for the Nursery, we must first define the operation. Nurseries are the retail and wholesale market for trees, shrubs and decorative plants. Some offer...

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According to 2017 US National Insurance Claims reports, TX leads as the state sustaining the most hail damage ensuing forceful thunderstorms. A hailstorm sweeping over the Dallas-Fort Worth Texas area on Wednesday, June...

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Spring turns to summer as families and friends get together in the outdoors to celebrate life. Grilling is as much a part of the season as the warm rays of the sun but here’s the warning: barbecues can be dangerous....

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It’s at an official auction that buying and selling go on through offers, bids and counter bids until the highest bidder claims a purchase. This article deals with the insurance aspect in regard to an auctioneer of...

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A True Story from the Files of Prime Insurance - Recently, Prime Insurance was contacted by an office building owner in Lakewood, NJ about finding related insurance for his commercial property. At first glance, this...

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What really may concern the home and auto owner when storms hit, are the resulting damages. In relation to downed trees, the conversation becomes targeted. The insurance industry’s guidelines help home and auto owners...

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Lightning is that quick flash of naturally released high-voltage electricity that occurs during a thunderstorm. It is extremely dangerous, and results in approximately 60 related fatalities per year. Heating up to 50,...

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It’s the quality of service that often helps an insurance customer more than anything else. A 50-unit FL condo building owner reached out to Prime Insurance for both wind and fire coverage. While wind and fire generally...

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The Santa Rosa fire of October 2017 presently ranks as the most destructive wildfire in California. Known as a violent firestorm that was spurred on by whipping wings, it destroyed entire neighborhoods, devastating...

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Small businesses face unique exposures. In regard to the healthcare business that is not part of a big enterprise, this couldn’t be truer. RELATED: 7 business techniques that should start your day Prime Insurance offers...

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Attention NJ home owners and renters: The NJ Department of Health in conjunction with the NJ Department of Environmental Protection is advising about the risks of radon in property located within the state. In a joint...

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- Youth Group Home Insurance - Youth Group homes are designed to house teenagers up to 19 years of age. Besides a roof over a troubled youth’s head, these residences typically provide corresponding individual, group and...

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The similarities and differences of a public library and a museum are highlighted through the varying coverage needed. Public Library Insurance - This kind of insurance can be written either on a stand-alone basis or as...

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If you missed it in science class, here’s an overview of what happens when water freezes: it expands. In regard to your home, cold temperatures can cause the water in your pipes to freeze, expand and cause increased...

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A PRIME Insurance Holiday Special - This year, Sunday night, December 2nd marked the first night of Chanukah. Keep the flicker of the menorah, the tastes of holiday delicacies and the memories of miracles-past as safe...

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The Business Owners Policy, otherwise known as BOP, can be the answer for your small business insurance needs. Comprised of several coverages that generally come in a separate form, the BOP bundled commercial policy can...

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There has been much hue and cry over the 2014 water crisis in Flint, Michigan . At the time, the water supply came into question in regard to lead poisoning. Residential home owners, landlords, and property financiers...

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If you are a general contractor, you know that you are exposed to so many risks. The following highlight actual insurance claims that could happen to anyone in the business. Two Insurance Claim Scenarios - 1. NJ Bodily...

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Fall. What better name for the season when the trees' aging leaves drop to the ground? Of course, ignoring the growing leaf mounds on your lawn, driveway and walkways will not only impede the aesthetic appeal of your...

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According to a 2017 Liberty Mutual study, the ten most common causes for serious employee injury come with a hefty bill: more than $60 billion associated with medical and loss of wages payments. Add that to the indirect...

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Every business should be concerned about employee health, safety and accompanying workers comp costs. As the media highlights the devastating effects of workers' pain management and opioid dependency, insurance...

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Obtaining insurance from an experienced, reliable and honest insurance agent is the key to knowing you will be properly covered. For one vacant home owner, the promise of savings on a NJ insurance policy could have got...

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Commercial, educational and religious groups traveling overseas face wide international risks. In response, PRIME Insurance has teamed up with the leading companies, like CHUBB, in order to offer the needed protection....

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