Man Holding toy car

New NJ Auto Insurance Coverage Limits Explained

by Hanson & Ryan, Inc.

Auto insurance for New Jersey drivers is essential. Not only is it critical to protect you and others in the event you are involved in a motor vehicle accident, but it is also required by state law....Learn More
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2022 Year in Philanthropy Review

by Kristin Ryan

The local communities are an integral part of Hanson & Ryan. We are always looking for ways to give back to them and support them in any way, shape, or form. One way that our employees come...Learn More
Snow and ice damaging the roof of a home

Does Homeowners Insurance Cover Ice Damage?

by Hanson & Ryan, Inc.

It’s hard to believe, but winter is right around the corner. If you aren’t already, you should be starting to think about what that means for protecting your home from the new season. Snow,...Learn More
Hurricane insurance

Does Homeowner’s Insurance Cover Hurricane Damage?

by Hanson & Ryan, Inc.

Hurricanes are some of the deadliest, and most expensive natural weather disasters, with some causing well over $30 billion in damage from one storm system. According to the National Oceanic and...Learn More
Business owner receiving business interruption coverage

Protecting Your Business with Interruption Coverage

by Hanson & Ryan, Inc.

Running a business comes with a lot of responsibility. Not only does it help you support your family, it also probably helps others provide for theirs as well. What would happen if a storm damaged...Learn More

Insurance Audits: What You Need to Know

by Hanson & Ryan, Inc.

The term “audit” probably doesn’t conjure up positive feelings when you hear it. But when it comes to insurance audits, they are a common industry practice, and can even bring some insurance...Learn More

Preparing for and Protecting Your Home from Floods

by Hanson & Ryan, Inc.

A flood can change your life in an instant. It can threaten your home, your financial security, and even the lives of those you love. While you can’t change the weather, you can do your best to...Learn More
Beach houses

Insuring Your Vacation Home in New Jersey

by Yocasta Garcia

Buying a vacation home is a dream come true for many, and like anything else that matters to you, you want to make sure it is protected. It is just as important to have insurance for a vacation...Learn More

What is the Property Coinsurance Clause, and How Does it Apply to You?

by Sean Ryan

The property coinsurance clause found in many commercial and personal insurance policies is a source of great confusion for many policyholders. Yet knowing exactly what it is and how it applies to...Learn More
Injured worker on ground

Workers’ Compensation Insurance in New Jersey: What You Need to Know

by Carrie A. Ryan

Accidents happen. But if you are a business owner, and one of your employees has one when they’re on the job, your company and livelihood could be on the line. Workers’ compensation insurance is...Learn More
scooter bike

What You Need to Know About Motorcycle Insurance

by Connie Tahinos

May is Motorcycle Safety Awareness Month. And while riding a motorcycle can be an exhilarating way to travel, it also comes with significant safety risks. In recent years, motorcycles have become...Learn More
family cutout in hands

Preparing for the Future: Life and Long-Term Care Insurance

by Evelyn Galiano

Do you look into the future, and worry where you will be, or what your family will face, if something catastrophic happens? Chances are then that you have considered getting life insurance or...Learn More

Podcast: Protection Planning. Lead with a WHY

by Mark Fontanella

Hanson & Ryan's Mark Fontanella joins The Confident Retirement Podcast with Kris Flammang and Mark Picchi to discuss challenges that clients need to be aware of and think about when getting the...Learn More
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Young Agents Can Mold and Dominate the Insurance Industry

by Scott Patterson

Since they are only 17 or 18 years old when they graduate high school, many young adults struggle with their decision of a career path. Fortunately, I felt confident from an early age that a path...Learn More
hands holding a house

Homeowners Insurance in NJ: What’s Covered and What’s Not?

by Shany Arroyo

If you’re like most homeowners, your house is your most valuable asset. One of life’s greatest financial and emotional investments, your home is a safe haven and comfort zone. It’s where you...Learn More
hands holding Family-Cutout

When Should I Get Life Insurance?

by Yocasta Garcia

The insurance industry is based on the almighty “What If” scenario. We never know when something terrible is going to happen to our family, home, business, car, etc. – but if you are...Learn More

2021 Year in Philanthropy Review

by Jennifer Rossolillo

“We know only too well that what we are doing is nothing more than a drop in the ocean. But if the drop were not there, the ocean would be missing something” – Mother Teresa Giving back is a...Learn More

Sewer Backup Insurance

by Evelyn Galiano

It is one of a homeowner’s worst nightmares – you walk into a room in your home and hear your feet sloshing on wet carpet and see water pooling in the corners. Questions flow through your mind....Learn More
cardboard cut-outs of a family, home and automobile

Life Insurance – Having the Right Coverage at the Right Time

by Evelyn Galiano

Death is an uncomfortable discussion topic, especially when it comes to talking about your death or the death of someone you love. However, death is one of the few guarantees in life. Life insurance...Learn More
woman holding car keys

When to Add a Child to Your Auto Policy

by Connie Tahinos

The inevitable is here - your child is getting their learner’s permit. Did we just hear you scream in fear? We know this is a new adventure – filled with exhilaration and trepidation. But what...Learn More
cyber liability insurance

Cyber Liability Insurance

by Kristta Bennett

With each passing day, technology becomes increasingly important for the operations and success of your business. The amount of information stored and transmitted digitally continues to rise and with...Learn More
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Business Property Insurance Questions (And Answers!)

by Paul Harte

Your business is essential to your livelihood. It not only puts food on your table and keeps a roof over your head, but it does the same for your family, your employees, and their families. What if...Learn More
Team members dressed in 1950s attire pose in front of a classic car

The Ins & Outs of Classic Car Insurance

by Yocasta Garcia

For many car lovers, owning a classic vehicle is a dream come true. If you are lucky enough, you need to make sure it is covered properly in case of any unforeseen incidents. To protect your valuable...Learn More
bronze taps at a brewery

Craft Breweries’ Insurance Exposure Risk Factors: Everything You Need to Know

by Carol Voorhis

In the past 30 years, the number of brewers in the U.S. has grown from less than 100 to more than 2,400 and counting, 98 percent of which are considered regional craft brewers, microbreweries or...Learn More
woman in front of whiteboard

Employment Practices Liability Insurance

by James Rini

Employers are vulnerable to lawsuits during all stages of employment – from a potential employee’s pre-interview phase all the way through an employee’s exit interview. Employment practices...Learn More
metal worker

NJ Manufacturer Insurance & Industries

by Lisa DeMarzo

The manufacturing industry is a cornerstone of our modern society. Whether it means making the food someone eats for lunch, or crafting the cabinets they store that food in, or producing a part for...Learn More
wedding table with flowers

Do I Need Insurance for My Wedding or Special Event?

by Allen Mix

Your special day is approaching, and even though you may think that everything will go as planned, the reality is that life happens, and unfortunate situations can and sometimes do occur. Considering...Learn More
front end of a motorcycle

Recreational Insurance Coverage: Are Your Summer “Toys” Properly Insured?

by Jamie Nielsen, Jr.

It’s that time of the year again: Relaxing days at the beach, summer road trips, and fun in the sun! It all sounds great, but before you decide to set sail on your new boat or take that motorcycle...Learn More
Woman types and smiles at laptop

Home-Based Business Insurance

by Sean Ryan

Do you sell clothing, Tupperware, nail art, makeup, skin care, jewelry, or homemade crafts out of your home? If you do, then you’re already familiar with the significant investment that goes into...Learn More
woman holding house and keys

Help, I Inherited a House! What Now?

by Shany Arroyo

You’ve just inherited a house, or you are an executor of the estate. You weren’t expecting this, and you didn’t ask for it, yet here you are. With the added liability and property damage risk...Learn More
street view of a hi-rise apartment building

A Guide to Condo Association Insurance Policies

by Alan Zollo

Many people find condominium living an ideal situation, as they can enjoy the benefits of ownership with the ability to rely on a condo association to maintain everything outside their...Learn More
dumbbells on a rack

Gym Insurance Policy Factors: What You Need to Know

by Kristin Ryan

As a gym owner, you are exposed to more risk than many other businesses due to the nature of the services you offer. You may not realize the dangers your gym poses just by its operation, but the...Learn More
clothes in hangers on a rack

Common Risk Exposures for Retail Stores

by Michele Lucci

Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into...Learn More
person holding paper and pen

What is Professional Liability Insurance—and is it Worth it?

by Brittney Scheuerman

As a professional services business owner, you may be wondering if professional liability insurance is worthwhile. The truth is, no matter how careful you are—or how good you are at your...Learn More
man holding hands over family cutout

Personal Umbrella Insurance

by Evelyn Galiano

Personal Umbrella Insurance is an insurance policy you purchase that provides additional liability coverage above the liability coverage that is listed on your auto, homeowners/renters/dwelling, and...Learn More
Black and white jewelry with colored ring

Valuable Items Coverage – Everything You Need to Know

by Connie Tahinos

Valuable Items Coverage provides a specific amount of insurance for some of your most valuable items in your home. Most people associate this coverage with jewelry, but that is not the case. Valuable...Learn More
Pet insurance puppy in a blanket

How Important is Pet Insurance?

by Yocasta Garcia

As a dog or cat owner, you likely think of your fur baby as a cherished family member. If you’re like most pet owners, you’d be willing to do just about anything to keep your four-legged...Learn More
person writing on paper

Conducting an Annual Personal Insurance Review

by Scott Patterson

Each year it is important to have a review of your personal insurance policies to make sure they are up to date and are covering some of your most precious assets properly. Follow our tips below for...Learn More

Industry Dive: Understanding Technology and its Risk

by Kaiti Loughlin

Do You Understand Your Technology Risk? How well do you understand your company’s technology risk? The fact is, while a company’s technology delivers endless benefits for employees and customers...Learn More

How Open Enrollment Works: Your Questions Answered

by Jennifer Rossolillo

It's that time of year again—that short period when you need to make crucial decisions about your health insurance plan for the year ahead. Here are answers to your most pressing open enrollment...Learn More
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2020 Year in Philanthropy Review

by Barbara Dunn

At Hanson & Ryan, Inc., philanthropy plays a significant role in our values; we are always looking to give back to the community. As we bid the year a long-awaited farewell in hopeful...Learn More
Shelves of liquor

Is Your Business Protected from Liquor Liability?

by Michael Murphy

Did you know that in some states, bars and restaurants can be held liable for injuries or death caused by an intoxicated person to whom they served alcohol? It’s called the Dram Shop Law—and it...Learn More

Homeowner’s Insurance Guide for Beginners

by Shany Arroyo

You are ready to buy a house and it’s an exciting time. But navigating the homebuying process and all its many nuances can feel daunting, particularly for a first-time homebuyer. There are so many...Learn More
Outside of a tattoo shop

Is Your Tattoo Shop Covered?

by Jeffrey Smith

Reggie Stoddard of Hanson & Ryan, Inc.’s Business Insurance Department and Mark Fontanella of their Health and Benefits Department answer FAQs about the proper coverage for a tattoo shop. Nearly...Learn More
Home under water due to a flood

Flood Insurance 101

by Kristin Ryan

Flood insurance has many misconceptions, so we are here to try to clear up all of them. Below are some of the common questions that we come across. We will go over everything from the different types...Learn More

Hanson & Ryan Answer Your Business Insurance Questions

by Mark Fontanella

Michael Murphy of Hanson & Ryan, Inc.’s Commercial Insurance Department and Mark Fontanella of the Health and Benefits Department discuss what type of insurance policy they would recommend for your...Learn More
Hands holding a paper cut out of a family

Life Insurance 101

by Connie Tahinos

Life insurance can be overwhelming and is not always the most comfortable topic to discuss with your loved ones. You probably have many questions: What type of life insurance coverage should you...Learn More
Nurse Job Title

Can Your Job Title Impact Your Car Insurance?

by Barbara Dunn

Getting a car insurance quote can be overwhelming. You receive numerous advertisements from a variety of companies by mail, email and let's not forget those hilarious commercials. Each carrier...Learn More

Why You Should Use A Local Insurance Agent

by Jamie Nielsen, Jr.

As a local insurance agent ourselves, we are commonly asked why you should use a local insurance agent. There are many reasons why using a local insurance agent is a great way to go when considering...Learn More
Doctor shaking hands with patient

Grace Period – Health

by Hanson & Ryan, Inc.

On April 9, 2020, Governor Murphy also issued Executive Order No. 123 (“EO 123”). EO 123 directed carriers to refrain from cancelling any policy or contract for nonpayment for a period of time,...Learn More
Two business men discussing new workers compensation insurance information

Workers Compensation Relief

by Hanson & Ryan, Inc.

The Commissioner of Banking and Insurance has approved amendments to the New Jersey Workers Compensation and Employers Liability Insurance Manual (Manual) to address how certain payroll, premium,...Learn More
Mother playing board game with two children

Grace Period – Life

by Hanson & Ryan, Inc.

Currently, traditional life insurance policies include a grace period of not less than 30 days, and in certain circumstances for account value life insurance policies not less than 60 days. In...Learn More
Calculating bills with calculator, glasses and money in a jar

Grace Period – P&C

by Hanson & Ryan, Inc.

On March 9, 2020, Governor Phil Murphy declared a state of emergency and public health emergency through the issuance of Exec. Order No. 103 (March 21, 2020) ___ N.J.R. ___ (“EO 103”) to contain...Learn More
Home inventory checklist

Home Inventory

by Hanson & Ryan, Inc.

In the world of insurance, we unfortunately have to think about worst case scenario… What if your home burns down? Would you be able to remember all the items you need to replace? Simply walk...Learn More
Hanson and Ryan Insurance FAQs

Business FAQs

by Hanson & Ryan, Inc.

Coronavirus’s impact on business may soon eclipse in severity any previous economic downturn in U.S. history, even the Great Depression. With many firms shuttered and workers furloughed,...Learn More
Hanson and Ryan Insurance FAQs

Personal FAQs

by Hanson & Ryan, Inc.

Every American has been impacted by the COVID-19. Whether it’s adjusting to new teleworking arrangements, having the children home from school, being furloughed from a job or having to cancel...Learn More
Calculating expenses and refunds

Mandatory Premium Refunds Credits

by Hanson & Ryan, Inc.

On March 9, 2020, Governor Phil Murphy issued Executive Order No. 103, declaring a state of emergency and public health emergency to contain the spread of the Coronavirus (“COVID-19”) pandemic....Learn More