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P: 609-394-8200 OR 1-800-525-7758 F: 609-394-8288 E: info@oneillins.com 877 Brunswick Avenue Trenton, NJ 08638 |
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Workers Compensation Stop Order Bill Signed by Governor A3569 provides for the issuance, by the Director of the Division of Workers' Compensation, of a stop-work order against an employer, upon a finding by the director that an employer has knowingly failed to provide workers' compensation coverage, misrepresented one or more employees as independent contractors, or provided false, incomplete or misleading information concerning the number of employees for the purpose of paying lower workers' compensation premiums. The director shall issue, not later than 72 hours after the determination is made, a stop-work order requiring the cessation of all business operations at every site at which the violation occurred. (Read More) Reducing Your Insurance Costs...Distinguishing Bad Advice from Good Advice Many Americans are struggling financially in the current economy, particularly those struck by lay-offs, and are faced with tough decisions about how to reduce expenses. As a result, much has been written in recent months about how to reduce insurance premiums as one aspect of a belt-tightening strategy. Unfortunately, too much of this advice has been BAD and much of this bad advice comes from consumer web sites and publications that have little understanding of insurance and risk management. The purpose of this article is to identify some of the bad advice being bandied about and to reinforce some of the good advice. It concludes with 10 reasonable things you can do to reduce your insurance costs. (Download PDF) Business Interruption Insurance It is estimated that between one-third and one-half of all businesses have no business interruption insurance. Almost half of businesses that experience a serious loss never reopen...over one-fourth of those that do, close within 3 years. A major reason that many businesses don't survive a serious loss is the lack of business interruption insurance or inadequate limits of that coverage. (Download PDF) Insuring the Loss of Your Customers' Data Many businesses have extremely valuable information in electronic form. How can it be insured from loss, in particular, theft? What if your own employees steal it? What if it's stolen by computer hackers or burglars? Is it a crime exposure, a liability exposure, or something else? Well, based on our investigation, it's "something else" all right. (Download PDF) Top 10 Reasons to Purchase the Rental Car Damage Waiver Although damage waiver fees are generally considered outrageous, most consumers should consider purchasing the waiver for short-term rentals. This article addresses the types of losses and expenses that a consumer can incur that may not be covered by their auto insurance or credit card coverage. (Download PDF) |
