Now that Spring is officially here, the warm weather draws us outdoors as much as possible. Everyone loves the feel of the wind in your face, the spray of the water off the boat, and the peacefulness that comes from being out on the open water. Follow these safety tips to make sure that your day on the water doesn't turn into a day of tragedy. Boating safety starts with you.
By Jonathan D. Salant | NJ Advance Media for NJ.com
WASHINGTON — After more than a year of kicking the can downfield, Congress may finally be ready to extend and overhaul the federal flood insurance program so important to New Jersey.
At a hearing Wednesday, the new House Financial Services Committee chairwoman, Rep. Maxine Waters, D-Calif., backed changes to the program championed by U.S. Sen. Robert Menendez, D-N.J.
The plan includes steps to hold down premiums, invest in construction projects designed to reduce the impact of the next storm, forgive a $20 billion debt that ballooned after Hurricane Katrina and then after Sandy, and develop new maps that accurately identify areas in danger of flooding.
Federal flood insurance is one of the few federal programs that benefits New Jersey more than other states. FEMA has paid $6 billion to property owners in the state from Jan. 1, 1978, through Sept. 30, 2018, behind only Louisiana and Texas, agency statistics show.
About 227,000 New Jerseyans have federal flood insurance. The Garden State bore the brunt of Hurricane Sandy.
Menendez said he would work with Waters on legislation, unlike in the last Congress where he found no support among most House Republicans for his measure.
His plan would have held down increases in flood insurance premiums, allocated funds to protect properties against water damage rather than just paying claims, and changed procedures in response to problems that surfaced when Hurricane Sandy homeowners sought to be compensated for damages.
Click here to read the full article and to stay on top of this topic.
Suburban Brokers has called Fair Lawn, New Jersey home for over 60 years. We are proud to be part of the Fair Lawn and Bergen County Communities. We are also proud of our hard-earned reputation in the insurance industry. Whether it's Homeowners, Car Insurance, Business, Life or Health, or any other insurance you may need, Suburban can find the best solution for you.
With much of the weather around the country being cold and snowy, I thought I would repost this helpful blog from a couple of years ago.
Some of us love the falling snow and others dread it. Personally, I love sitting at home by the fire watching the snowflakes fall. What I don’t like is driving in the snow. I think most of us would prefer not to drive in snowy or slippery conditions. That said, it’s important to be as safe as possible when on the road, particularly this time of year.
While many of these tips are common sense, it’s essential to take the time to review them – to stay safe on the roads. Your car is an investment to protect – and you and your loved ones should be protected at all times.
Check out Travelers Winter Driving Safety Tips. Below are just a few of them.
What's In Your Winter Survival Kit?
If you drive in remote areas or are planning a long trip this winter, keep a winter survival kit in your car. While some of the items may be appropriate for your car all year long, these supplies can help you deal with winter weather.
At Suburban, we want you to be prepared and safe on the roads this winter. Contact us if you have any questions or want to discuss your insurance coverage.
Consumers may currently be thinking about how they can best protect themselves from cyber threats while shopping online during the holiday season, but insurers and risk managers are already looking ahead with hopes of mitigating threats that may emerge in the new year.
Recently, Experian® shared its sixth annual “Data Breach Industry Forecast,” which broaches such topics as cloud attacks and biometric hacking.
“Hackers have become very nimble at outsmarting protection measures,” Michael Bruemmer, Experian’s vice president of Data Breach Resolution, said in a press release. “Our predictions look at where hackers may go next to exploit vulnerabilities, so companies can safeguard themselves against these future threats.”
Here are Experian’s five data breach predictions for 2019:
We now provide insurance for consumers and businesses for the following:
Call me so we can discuss how to protect you and your business against cyber threats.
Have a safe and healthy New Year!
Travelers has teamed up with Amazon to offer smart home kits and valuable insurance and risk management information through the insurance industry’s first digital storefront: Amazon.com/Travelers.
The smart home kits, which will be offered at discounted prices for Travelers customers in participating states, are designed to help protect homeowners from some of the most common causes of loss. Discounted kit installation through Amazon Smart Home Services is also offered where available. The smart home kits include:
Now you can get help managing your Travelers policies and get home safety and maintenance tips by simply asking Alexa on any Alexa enabled device. Travelers is proud to offer two new Travelers skills for Alexa -
Travelers Home Central Skill and the Travelers Skill.
For more information, visit Travelers Here or give me a call and I'll be happy to assist you at 201-796-1881.
6 Tips to Stay Safe on the Roads this School Year:
While we normally associate the beginning of the school year with more traffic in school zone areas, it’s also important to keep in mind the increase of traffic on highways and roads as well. In September, commute times typically rise due to commuting students and parents dropping off children at schools.
By exercising a little extra care and caution, and keeping these facts in mind, we can all keep ourselves and families safe.
Cyber Threats Continue to Increase
Recent data from the Federal Trade Commission found that millennials are reporting fraud a lot more often than other groups, with an average loss around $200. Seniors reported less frequently, but their average loss is $1,200.
64 percent of Americans have an online account involving health, financial or other sensitive data. As more and more people rely on the internet to do business and manage their personal lives, their information has the potential to become susceptible to a cyber breach.
Your home is full of cyber risks. Too many homeowners don’t realize this until it’s too late. Whether it’s your computer or mobile device, or your laptop or connected home technology, you need the right protection for the exposures that come with modern connected life.
What is a Personal Cyber Policy and why should individuals consider this coverage?
Personal cyber insurance policies will give insureds security in the case of a cyber attack, allowing them to file claims for ransom and extortion payments, identity theft fees, and data restoration expenses related to a personal cybersecurity breach.
With HSB Home Cyber Protection™, you can gain a suite of innovative cyber coverage for computer attacks, cyber extortion, online fraud and the breach of personal information of others involving smartphones, computers and connected home devices.
HSB Home Cyber Protection™ coverage includes:
What are some actions you can take to help protect your data?
In addition to offering Personal Cyber coverage, be aware of what information you place online, and how to protect it. Many people have an outdated impression that hackers are just rogue individuals, typically working out of someone’s basement – this is no longer the case. Today, hacking is a full-time job and organized crime in the cyber world is a huge syndicate.
There are a few initial steps that consumers can take to protect themselves, including:
Personal cyber crime is not something that can be prevented. In fact, nearly two-thirds of Americans have experienced some form of data theft.
Contact me if you wish to discuss your risks and we can come up with the best line of defense to protect you.
"A perfect summer day is when the sun is shining,
the breeze is blowing, the birds are singing, and
the lawn mower is broken.”
Memorial Day marks the start of the summer travel season. From cross-country road trips to surfing at the beach, summer likely means fun travel and outdoor activities. However, even carefully planned trips can be disrupted by unforeseen incidents. Extreme sports, boating, and even pool parties – all carry some risk and liability.
All-terrain vehicles are typically not covered by homeowners or standard automobile insurance policies. For an affordable price, we can help you find a separate ATV policy, review age restrictions, and determine if the policy covers friends and family.
Whether you’re leaving home for a weekend getaway or a long road trip, be aware of what your policy covers while you’re away. Typically, your homeowners insurance will follow you, protecting you even while you’re not at home. Off-premises coverage means your belongings are covered anywhere in the world. If you’re staying at a hotel and your belongings are stolen, your policy will provide coverage, but the exact coverage depends on your specific policy. If you are traveling with high-priced items, it’s a good idea to insure them separately.
Not sure what your coverage is for summer travel? Give us a call and we’ll review your policies and help you fine tune coverage for your family and your business. 201-796-1881
Have a safe Memorial Day and enjoy your summer travels!
The average American will have 3 or 4 auto accidents in his or her lifetime!
In 2015 alone, more than 2.4 million people were injured and nearly 35,000 people died in 6.2 million crashes nationwide, according to the National Highway Traffic Safety Administration.
The good news? Most car collisions aren’t deadly.
Check out some car accident statistics from DriverKnowledge.com:
What to do after a Car accident
What NOT to do after a Car accident
Having an auto accident or dealing with a catastrophe is stressful, but it’s important to stay calm and focused. The right steps will help keep you safe and prevent further stress.
You never have to manage a car accident alone. We are here to help you every step of the way. During business hours, contact us as soon as possible at 201-796-1881. We are always ready and willing to assist you.
Happy Spring and safe driving.
Are You Prepared?
Check Your Supplies
Be Ready for a Power Outage
Black Ice: How To Spot This Winter Driving Danger
Black Ice - It’s slippery, hard-to-spot and potentially deadly. “The biggest danger is that you are at the mercy of your vehicle and the ice until your car passes over it,” claims Julie Lee, vice president and national director of AARP Driver Safety.
Black ice forms most often when it’s raining, and air is at or below 32 degrees Fahrenheit at the surface, according to AccuWeather senior meteorologist Andrew Mussoline. Low ground temperature causes the precipitation to freeze upon impact, thus creating ice.
Flood Damage Can be Worsened
Home and businesses that suffered flood damage from the first nor’easter might be invaded by the sea yet again. It’s helpful to have weeks or months between storms so proper damage surveys can be performed, and so measures can be taken to prevent flooding during future storms.
When storms come just days apart, it’s not so easy. Along the coast, residents are working feverishly to prepare their homes for nor’easter Quinn with hopes that the flooding won’t be as severe.
If you suffer any kind of damage and need to contact your insurance provider, visit the claims page on our website, or contact us during business hours at 201-796-1881. We are always here and ready to assist you.