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Even if you don't have dependents, you may have other financial obligations that could impact others after your passing.Read more...Learn More

Among many terms, "full coverage" often emerges as an optimal protection choice. Yet, what exactly does full coverage auto insurance cover?Read more...Learn More

When safeguarding your home, finding the right homeowners insurance is crucial. But with so many options available, how do you choose?Read more...Learn More

Insurance is more than just a safety net—it's a crucial investment in your peace of mind. While home and auto insurance are often top of mind, it's worth venturing beyond these familiar realms and...Learn More

If you've ever explored coverage options, whether for your car, home, health, or business, you've likely asked yourself, "what is a deductible in insurance?"Read more...Learn More

If you're unfamiliar with the term "Open Enrollment," you're not alone. Many individuals may not fully understand the significance of this period and the opportunities it presents.Read more...Learn More

Whether it's a slip-and-fall incident, a machinery malfunction, or a repetitive strain injury, these occurrences can burden workers physically, emotionally, and financially.Read more...Learn More

Understanding what a home insurance premium is and how to reduce it can significantly save you money while ensuring adequate coverage.Read more...Learn More

One aspect that often catches people off guard is the Home Insurance Inspection, a requirement from the insurance carrier providing coverage.Read more...Learn More

With several types of life insurance coverage available, choosing the right coverage that suits your specific needs can be overwhelming.Read more...Learn More

Workers' compensation insurance is a crucial asset for businesses, safeguarding their employees and operations. This insurance provides essential protection by covering medical and rehabilitation...Learn More

Health Insurance Plans NJ: How to Choose the Right Plan for Your Needs & Budget Are you looking for health insurance in New Jersey? Knowing which is right for you and your budget can be...Learn More

Do I Need Flood Insurance? What Homeowners Need to Know When it comes to protecting your home, you may be asking yourself: do I need flood insurance? The answer is a resounding yes! Floods are the...Learn More

If you are a homeowner, it is likely that you will see a premium increase on your 2023 home insurance renewal. Most years, renewal increases are either non-existent or small enough for most insureds...Learn More

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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