Author Archives: seanj

Firefighterfactsnj.org

IT’S IN THEIR BLOOD Due to occupational exposures, firefighters have a 100% higher risk of developing cancer.  Firefighter cancer risks are greater than the general population. In a study released by the University of Cincinnati, it determined that firefighters are … Continue reading

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Special Rates for FMBA members

O’Donnell’s TRAVELERS discount for FMBA members Travelers insurance is offering up to a 5% for auto and 2.5% for HO discount for all FMBA members on their automobile or homeowner insurance policies. Also an average of 15% additional credit if … Continue reading

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Supporters

Hi my name is Maria Palermo and I’ve know the Griffith Family for many years.  I have come to respect their value in family and in the way they run their business.  A family run business that was handed down … Continue reading

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Common Insurance Terms

Actual Cash Value – The amount to replace an item minus depreciation Replacement Cost – The dollar value it costs to replace an item at current prices (no depreciation) No Fault – Your own insurance company pays for medical bills … Continue reading

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Workers Compensation Insurance Explained

Workers’ compensation insurance covers an employee’s living and medical expenses if they are injured. In exchange for the company paying the damages under a workers’ compensation policy, the employee gives up the right to sue the company for negligence. Workers’ … Continue reading

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Commercial Insurance Explained

Businesses that rent or own property are responsible for that property. Commercial insurance transfers many of the risks associated with that property. Common forms of commercial insurance are similar to types of personal insurance. These include auto insurance, property insurance … Continue reading

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Home Insurance Explained In Simple Terms

To avoid any confusion, here we have home insurance explained in a very basic manner. A home insurance is an insurance of a property against natural as well as man-made adversity. In this, the consumer pays a premium to the … Continue reading

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Do You Get Fined or Arrested after a Car Accident if You have No Insurance?

Getting into a car accident with no insurance usually leads to a ticket and a fine. It will vary depending on the state you live in. In most cases, if you provide proof of insurance at your court date, the ticket will be dropped … Continue reading

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Is Comprehensive Car Insurance Worth the Extra Cost?

The best comprehensive car insurance really depends on the value of your vehicle. If you are driving an older, low value car, then comprehensive is probably a waste of money. In many cases, the cost of the premiums will exceed the value … Continue reading

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Is Property Damage Liability Necessary for Insurance Coverage?

The majority of states require a driver to carry property damage liability. The requirements are often fairly low, in the $10,000 range. Which would be insufficient if you were in a serious accident that damages someone’s property. Property damage liability covers … Continue reading

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