Category: Commercial

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

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 your policy is vital to ensuring you are accurately insured. The last thing you want is to find out at...

Injured worker on ground

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

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 the safety net for your employees and your business. Workers’ compensation is a system of...

street view of a hi-rise apartment building

A Guide to Condo Association Insurance Policies

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 home—including insurance. More specifically, most homeowners’ associations, or HOAs, are responsible for...

dumbbells on a rack

Gym Insurance Policy Factors: What You Need to Know

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 risks are real. Under your roof, people engage in strenuous activity with high-intensity workouts,...


Hanson & Ryan Answer Your Business Insurance Questions

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 business to ensure you are covered no matter the circumstance.Read more...

Outside of a tattoo shop

Is Your Tattoo Shop Covered?

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 all of these businesses are small and privately owned, so it is important to protect your shop with a...

Shelves of liquor

Is Your Business Protected from Liquor Liability?

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 allows the victim of an intoxicated person to sue not only the perpetrator of the wrongdoing but also...


Industry Dive: Understanding Technology and its Risk

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 alike—particularly over the past year when a vast majority of the country’s workforce went...

person holding paper and pen

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

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 job—mistakes happen. It's part of being human. Without insurance to cover those human errors, you may be...

clothes in hangers on a rack

Common Risk Exposures for Retail Stores

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 a reality. But is your business protected against the unexpected? Regardless of the specific type of...