Category: Uncategorized

It has been substantiated that child care is much more than a service; it is life support for millions of families, and it is among the very important elements of early childhood development. In the U.S., there are more than 14.4 million children under 6 years old (67.8% of that age group) who are children… Read more »

Picture hiring a contractor to transform your kitchen into a chef’s paradise or to raise the house to make it flood-resistant. Now, let’s assume that a contractor’s employee falls off a ladder, and suddenly you have a lawsuit. Even worse, that contractor takes your money and disappears halfway through the project; your house is left… Read more »

The landscape has evolved for home improvement contractors in New Jersey. The most recent changes to the Contractor Business Registration Act (CBRA)—now recast as the Home Improvement and Home Elevation Contractor Licensing Act—have increased the stakes for contractors. Some might consider these changes nothing more than a bureaucratic hurdle, but for others, they are valuable… Read more »

Every year, Congress prepares to put together the details of a Federal Budget that will guide the nation’s spending priorities for the next fiscal year, that is, from October 1 of one year to September 30 of the next. In relation to fiscal year 2025, the policy changes regarding funding for healthcare and insurance subsidies… Read more »

Adjustments to New Jersey’s Contractors Business Registration Act (CBRA) have updated licensing standards, underlining the importance of strong safeguards. Both Home Improvement Contractor Businesses (HICBs) and Home Elevation Contractor Businesses (HECBs) now must present proof of Workers’ Compensation Insurance, along with compliance bonds and commercial general liability insurance, to proceed with securing, renewing, or reviving… Read more »

New technologies are transforming auto insurance, as they redefine the ways in which risks are assessed, premiums are calculated, and claims are serviced. Insurers are no longer limited to looking at historical data and broad statistical models. Now, the collision of the Internet of Things (IoT) with Telematics is paving the way for the transformation of car insurance… Read more »

New Jersey’s licensing reforms might bring major improvements to home repair contractors regarding consumer protection and industry accountability. Under the latest regulations of the New Jersey Division of Banking and Insurance (DOBI) along with the Division of Consumer Affairs, the new regulations expand the home improvement contractor licensing requirements to include not just the customary General… Read more »

Across the United States, natural disasters have grown in number and strength in recent years. From wildfires to hurricanes and floods, events such as these are causing communities progressively more grief. One vivid illustration is the recent intense fires that broke out on January 7 in the Los Angeles’ Pacific Palisades area. Driven by strong… Read more »

The restaurant industry depends on speed—fresh ingredients, bustling dining rooms, and seamless operations. But a catastrophic event like a fire, a machinery shutdown, or a delivery chain breakdown could cause huge financial suffering. Even a basic grasp of Business Interruption Insurance (BII) can help restaurants address their unique vulnerabilities. Let’s take a deeper look. Restaurants aren’t… Read more »

The construction market in the U.S. is in a very real cost spiral, which has serious implications for homeowners and property investors. A Report by Currie & Brown stated that, in 2023, U.S. construction costs increased on average by 4% and were anticipated to further increase by 3-6% in 2024. Though the trend is evident… Read more »