Insurance Learning Center

BUSINESS INSURANCE

Tips On Finding The Perfect Apartment

Tips for Finding the Perfect Apartment So you're ready to move out but you aren’t quite sure where to go. There are several things you need to cons... READ MORE

BUSINESS INSURANCE

How to make your home secure

How to Make Your Home Secure Let’s face it. The world is a dangerous place. You might not even be safe in your own backyard! If it isn’t the threat... READ MORE

BUSINESS INSURANCE

What you need to know about your starter home

What You Need Know About Your Starter Home Congratulations! You’ve inked that final contract, paid your closing costs, and you’re moving in. You’ve... READ MORE

BUSINESS INSURANCE

The tax penalty for not having health coverage in 2015 is the greater of 2% of income or $325 per person. What is the maximum amount of income that you would be required to pay the 2% penalty on?

Tax Penalty for Not Having Health Coverage in 2015 The payment is capped at the national average premium for a bronze level health plan available t... READ MORE

BUSINESS INSURANCE

Why Your Business Needs Crime Insurance Coverage

Business Crime Insurance Coverage There are a number of threats and vulnerabilities that every business owner has to deal with. Owners need to take... READ MORE

AUTO INSURANCE

​Hardenbergh Insurance Group Appointed to The Hanover’s President’s Club

Hardenbergh Insurance Group Appointed to The Hanover’s President’s Club Hardenbergh Insurance Group was recently appointed to The Hanover ... READ MORE

BUSINESS INSURANCE

How To ​Select An Insurance Broker

How To Select An Insurance Broker Today’s competitive market place is forcing many businesses to examine both the prices they pay for their product... READ MORE

BUSINESS INSURANCE

How To Manage Your Business Problems

Managing Business Problems In business, it’s easy to spot the problems, but management is how you decide to solve them. Most are not equipped to ta... READ MORE

BUSINESS INSURANCE

​How To Make Your Car Last Longer

Car Maintenance Purchasing a car is a significant financial investment, and you want to maintain it for as long as you can. Keep your car running a... READ MORE

BUSINESS INSURANCE

​How To Hire Your First Employee

How to Hire Your First Employee How To Hire Your First Employee Finding your first employee is a very special experience in the life of an&... READ MORE

BUSINESS INSURANCE

Why Is Your OSHA DART Rate important?

Why is Your Osha Dart Rate Important? Like your incidence rate, which is based on how many incidents per year per 100 employees you have, your DART... READ MORE

BUSINESS INSURANCE

​How to Help Your Business and Municipalities In The Event of a Hurricane

Hurricane Planning In New Jersey With the impending hurricane season upon us, it’s great to have a better understanding of how you can protect your... READ MORE

BUSINESS INSURANCE

How is my Workers Compensation experience mod factor calculated?

How My Workers Compensation Experience Mod Factor is Calculated The process of calculating the experience modification factor is complex, but the u... READ MORE

BUSINESS INSURANCE

For the 9.5% affordability test, use the Box 1 total on the individual’s W-2, but does that Box 1 include FSA contributions made by the employee?

Insurance Affordability Test Box 1 reports total taxable wages for federal income tax purposes. This figure includes wages, salary, tips reported, ... READ MORE

AUTO INSURANCE

What are the minimum amount of hours employees have to work to be eligible for health benefits?

What are the minimum amount of hours employees have to work to be eligible for health benefits? January, 2016 has created a ripple of differen... READ MORE

BUSINESS INSURANCE

How is Workers Compensation premium determined?

Workers Compensation Premium Determined Your workers’ compensation insurance premium is based on a rating your company has, which is based on payro... READ MORE

BUSINESS INSURANCE

​How to Be Prepared for a Disaster in Your Business

Disasters In Business What if something went wrong in your business? Are you protected? Do you know what needs to happen in case of an emergency?&n... READ MORE

BUSINESS INSURANCE

How is a DART Rate Calculated?

How is Dart Rate Calculated To calculate the DART rate, first you’ll need to find out the total number of injuries that required at least one day a... READ MORE

BUSINESS INSURANCE

How does my mod affect my premiums?

How Does My Mod Affect My Premiums The mod factor represents either a credit or debit that is applied to your workers’ compensation premium. A mod ... READ MORE

BUSINESS INSURANCE

How do the employer mandate penalties work if an employer does offer coverage?

How Do Employer Mandate Penalties Work If The Employer Does Offer Coverage Penalty B “offer of coverage must meet minimum value and be affordable”.... READ MORE

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