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Cranford, NJ 07016

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Insurance Blog

3 Home Repairs That Increase Security

Keeping your home safe involves so much more than simply installing a doorbell camera and locking it up at night. Ignoring crucial home repairs can actually affect your home’s security as well. Here at O’Donnell Agency LLC, we want to help homeowners in New Jersey keep their homes safe and secure. 

Here are some home repairs that increase security:

Window Updates

Windows create numerous entry points in your home. If those windows are not kept in good working order, then you are putting your home in danger. You need to evaluate your windows every few years to see if the windows need to be replaced or repaired. Don’t procrastinate on this important job. 

Faulty Locks

Locks are your first line of defense against home intruders. You need to be able to rely on your lock systems throughout your home. If you notice that locks are not working properly, it might be time to update. Homeowners often do not consider updating locks as a crucial type of home repair, but over time locks start to wear out and it will affect your home’s safety. 

Rotting Wood

If you have any rotting wood around windows or exterior doors, this could create a safety issue for your home. Rotting wood makes it even easier for intruders to gain access to your home. Be sure to have rotting wood quickly replaced to make the entrance secure. 

Looking For Insurance in New Jersey?

If you would like to learn more about our home insurance products, please contact us at O’Donnell Agency LLC. We will be happy to answer your questions and help you find the right insurance products today. 

Everything Employers Need to Know About Worker’s Compensation

New businesses always want to know if worker’s compensation is required in New Jersey. There are a few exceptions, but it is required for almost all businesses with employees on their payroll. O’Donnell Agency LLC is here to help your business get the insurance it needs and comply with all state laws.

Worker’s compensation is intended to cover medical bills, lost wages, and associated expenses for employees injured or ill due to their employment. In New Jersey, all employers must have worker’s compensation insurance regardless of the number of employees or their time with the company.

Why is worker’s compensation required?

It’s simple – it’s a way to protect employees and provide them with the financial support they need if injured on the job. It also protects employers from lawsuits that could arise as a result of workplace injuries. Failure to provide worker’s comp insurance can also result in hefty fines and penalties for employers.

It’s worth noting that some professions in New Jersey are exempt from worker’s comp insurance, including domestic servants, real estate agents, and independent contractors. However, if you’re unsure whether your employees fall under these categories, it’s best to consult with an experienced insurance agent to ensure you comply with the law.

We Are Here To Help!

Worker’s compensation is required for most employers in New Jersey, regardless of your industry or company size. It’s a vital way to protect employees and employers in the event of a workplace injury. At O’Donnell Agency LLC, we specialize in worker’s comp insurance for businesses in New Jersey – contact us today to learn more.

Is it always a good idea to have renter’s insurance?

When someone is looking for a new place to live in New Jersey, renting a home can be a good idea. When you are looking for a new home to rent here, you do need to make sure that you are properly insured. One way to do this is by getting a full renter’s insurance plan.

There are various reasons why getting this coverage could be a great idea:

Meet Standards in Lease

A reason that you will want to have a renter’s insurance plan when in this state is so you can meet the standards set in your lease. Most property owners will see the value in having a tenant acquire renter’s insurance. Due to this, they will often include it as a lease requirement that you stay insured throughout the lease term. With this coverage, you will be in good standing with this obligation.

Obtain Valuable Coverage

Even if renter’s insurance is not required in your lease, it is still a good idea to get it. When you have a renter’s insurance policy, you will have valuable coverage that will protect your personal assets against various risks including theft and damage. You also will have coverage if you are found liable for an accident that results in damage to the property or injuries to guests. 

Give Us A Call

Renting a home in the state of New Jersey can be a good option. When looking for a place to rent, you also need to start looking for a renter’s insurance plan. When you are looking for this coverage, you can start your search by calling our team with the O’Donnell Agency LLC. There are always a lot of choices to make when looking for this coverage, and our team at O’Donnell Agency LLC can help. 

How much umbrella insurance do I need?

There is no one-size-fits-all answer to the question of how much umbrella insurance you may need, as it will depend on a number of factors, including the value of your assets, the amount of liability coverage you already have, and your level of risk tolerance. However, a good rule of thumb for people in the New Jersey area is to purchase an umbrella insurance policy from O’Donnell Agency LLC that provides coverage up to the value of your net worth.

Why Umbrella Insurance?

This will ensure that you are protected in the event that you are sued for an amount that exceeds your current liability coverage. Be sure to speak with an insurance agent about your coverage needs for the most accurate assessment. They can also help you understand the terms and conditions of your umbrella policy and provide advice on which type of coverage is best suited for your individual circumstances. With the right protection in place, you can be confident that you are safeguarded against potential financial losses due to unexpected legal issues. 

In addition to your umbrella policy, it’s important to review all of your other insurance policies regularly and make sure they are up-to-date with the latest coverage limits. This includes health, auto, home, life, and disability insurance. Depending on where you live, you may also need to purchase additional coverage, such as flood or earthquake insurance.

Give Us A Call

By working with an experienced insurance agent at O’Donnell Agency LLC, you can be sure that you have the right level of protection in place to protect your assets and livelihood. We proudly serve the state of New Jersey and would be glad to help you find a policy that meets your needs and your budget.

Why should property owners obtain flood insurance?

If the state of New Jersey, owning a home can be a good idea. If you are a property owner here, you will want to know that your home is covered and protected. A great way to do this is by getting insurance. For some property owners, getting flood insurance is a good idea.

There are various reasons that someone should obtain this coverage

Protect Assets

The most important reason that someone should get flood insurance is so they can protect their assets. If your home is affected by a flood, the costs to remediate your property can be very significant. If you do not have flood insurance, your standard home policy may not offer coverage. Due to this, having flood insurance should be a top priority as it will give you support in these situations. Ultimately, this offers valuable financial protection and will provide peace of mind. 

Meet Insurance Standards

It would also be beneficial to get flood insurance as it will ensure you can meet any insurance requirements and standards that you have. If you have taken out a loan, a lender will run a flood search to determine if you are in a high-risk flood zone. If this is the case for you and your property, you will be required to carry a flood insurance plan at all times. 

Give Us A Call

If you are looking to buy a home in New Jersey, it is important that you do evaluate your needs for flood coverage. As there are a lot of choices to make when looking for this insurance, it would be helpful to call O’Donnell Agency LLC to start your search. O’Donnell Agency LLC knows how important this coverage is and they will offer any support needed to determine your needs and evaluate your options.

Will comprehensive auto insurance cover the hail damage my car sustained?

Auto insurance provides protection for you, your car, and other drivers. There are many layers of protection that an auto insurance policy provides. Liability coverage ensures that anyone injured by an accident that you’re responsible for is compensated and cared for. It also provides coverage for any injuries and/or damage that you may cause to another person and their property.

Our team at the O’Donnell Agency LLC is committed to helping New Jersey drivers understand auto insurance and its benefits. 

What is Comprehensive Auto Insurance?

Comprehensive auto insurance is designed to cover non-collision accidents or situations. For example, comprehensive auto insurance will cover any damage your car sustains from natural disasters like a fire, flood, or strong winds. Comprehensive insurance also covers theft and vandalism. If you’re injured while in or near your car due to a non-collision accident, comprehensive coverage will pay for medical care for you and anyone else who was injured. You are also covered by comprehensive insurance if you’re injured or hurt while cycling, walking, or while you’re a passenger in someone else’s car.

Will Comprehensive Auto Insurance cover the hail damage my Car Sustained?

Yes. Your comprehensive auto insurance will cover the damage your car sustained from a hail storm. Comprehensive insurance is designed to cover non-collision situations and accidents. Better yet, if the damage from the hail storm exceeds the car’s value, your coverage will pay for the replacement of your car if it’s considered a total loss.

Contact Us Today

If you have questions about New Jersey auto insurance or comprehensive coverage, call us at O’Donnell Agency LLC. We can help you explore different types of coverage and determine which coverage would best meet your needs.  

Are You a Business Owner? Protect it With Commercial Insurance

If you are a New Jersey resident who owns a business, make sure it is protected from financial loss. The O’Donnell Agency LLC can explain why it is so important to protect your business.

Why Commercial Insurance?

Many times, being adequately prepared financially for sudden loss can make the difference between being able to stay in business and shutting your doors. The best investment a business owner can make to avoid financial loss is to purchase a commercial insurance policy.

The most common types of commercial insurance are:

General liability provides coverage for a business for personal injury and property damage caused by the business’s products, operations, or any injury that occurs on the premises.

Property insurance covers losses caused by lightning, fire, hail, wind, or acts of vandalism. Glass breakage and earthquake damage can be added.

Business interruption insurance is designed to cover your expenses and losses while your business is under repair or is being rebuilt and is unusable.

Workers’ compensation insurance pays for the employee’s medical expenses and lost wages if they become ill or injured because of their job, so they do not need to be paid out of pocket by the company.

Commercial auto insurance provides physical damage and liability coverage for vans, trucks, or cars that are used for business purposes. Commercial vehicles require their own policy as they are exposed to more risk than personal vehicles. Commercial auto insurance is not just for industrial vehicles such as dump trucks or semis.

Contact Us Today

Don’t put your business at risk. Make sure you have commercial insurance to handle any events that could put your finances and the future of your business at risk.

Our insurance experts at O’Donnell Agency LLC are the people to see for commercial insurance in New Jersey. Begin protecting your business today. 

Don’t forget to review your policy before starting a renovation project on your home

O’Donnell Agency LLC works to protect families throughout the state of New Jersey. If it’s time to start a major project on your family home, we’re here to help you make sure that you have the protection you need. Don’t wait until it’s too late to find out that you don’t have the coverage you need!

The time to review your home policy is BEFORE you start your major renovation

Home renovations can take a lot of time, money, and energy to complete. Depending on the size of the project, it can also be a disruptive experience for the entire family. On top of all of this, there are liability and other insurance concerns to consider. You will have people in your home that could be harmed or injured. This means that it’s important that your home insurance provides an adequate amount of liability protection.

If, after the renovation is completed, your home value increases significantly, it could also create a need to adjust your current policy. These are just two reasons why it’s so important to double-check your home policy before starting any major renovation or improvement project. Working with your local agent can help you get ahead of the changes that may become necessary and ensure that your home is fully protected. Our team is here to help you with these concerns. 

Contact us today!

If you live in New Jersey and have questions about home insurance, the team at O’Donnell Agency LLC is here to help. Our team has the knowledge and experience necessary to give our clients the service they need. Let us help you with any insurance questions or issues that you may have. Call or stop by our office today!

Do You Need Workers Compensation Insurance If You Have a Family Run Business?

One of the questions that the O’Donnell Agency LLC, serving the entire state of New Jersey, is often asked in regards to workers comp insurance is whether someone who has a family-run business needs workers compensation insurance. If you have recently opened a family-owned business, you may have this question. Read on to learn more.

When Do You Need Workers Compensation Insurance?

In the state of New Jersey, you are required to carry workers compensation insurance if you have any employees. As such, if you have any family members who work for you, and are not owners of your business, you are required to carry workers compensation insurance on them. On the flip side, if every family member who works at your business owns parts of the business, you may not be required to carry workers compensation insurance, as long as your business is an LLC or a partnership. 

Do You Need Workers Compensation Insurance If You Have a Family Run Business?

In the state of New Jersey, you are required to have workers compensation insurance if you have one or more employees. It does not matter if your employees are all family members, family friends or strangers that you hire. As long as you have one or more employees, you must carry workers compensation insurance for your company. 

Give Us A Call

In the state of New Jersey, if you have any employees who do not own a part of the business, you are required to carry workers compensation insurance on them, even if they are family. The team at O’Donnell Agency LLC, serving the entire state of New Jersey, can help you find the right workers comp insurance for your needs. Reach out to us today to get started. 

How to Choose the Right Renters Insurance Policy for You

As a renter, it’s important to have renters insurance. But with so many policies and options available, it can be difficult to choose the right one for you. Don’t worry, – O’Donnell Agency LLC in New Jersey can provide you with expert insurance advice.

Here are four tips to help you select the best policy for your needs:

1. Know What Your Policy Covers

Before shopping for a policy, it’s important to know your coverage needs. Start by making a list of your personal belongings and determining how much it would cost to replace them. Then, consider whether you need additional coverage for things like jewelry, art, or electronics. This will help you determine the amount of coverage you need.

2. Determine Your Budget

Once you know how much coverage you need, you can start shopping around for policies. Be sure to compare rates from different companies before making a decision. It’s also important to consider the deductibles and other fees associated with each policy. Determine what you can afford to pay out-of-pocket in the event of a loss.

3. Read the Fine Print

Before buying a policy, be sure to read the fine print. You want to ensure you understand what’s covered and what’s not. Pay attention to things like exclusions and limitations. These can often be found in the "terms and conditions" section of the policy. Failure to read the fine print could result in you being under- or over-insured.

4. Consider Your Options

There are several different types of renters insurance policies available. Be sure to consider all of your options before making a decision. For example, you may want to purchase a "named perils" policy, which covers specific types of losses, or an "all-risk" policy, which covers a wider range of risks.

Give Us A Call

Taking the time to choose the right renters insurance policy can save you a lot of money and hassle in the long run. Be sure to consider your needs, budget, and options before making a decision. And don’t forget to read the fine print. Looking for a renters insurance policy in New Jersey? O’Donnell Agency LLC offers many different types of coverage to meet your needs. Give us a call today to learn more.

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