New Jersey Workers Compensation Insurance Plan

Can Your Business Survive Without Workers Comp?

Take a moment and imagine what it would be like to experience an employee getting hurt on the job, and to realize only then you don’t have workers compensation insurance to take care of them. Never mind that it’s New Jersey law for employers to have the insurance available to all employees. In most cases, this means you need to purchase a New Jersey workers compensation insurance plan. How would you ever pay the medical bills? Would the employee sue you? Would you lose your business over it?

That is a scenario no business owner wants to face, ever! So it’s critically important to make sure you have this required insurance. But you’re a responsible business owner, so let’s say you’ve purchased the required New Jersey workers compensation insurance plan in full compliance with state law.

Even then, you might have had a moment of sticker shock (as if paying your business taxes wasn’t enough)! And you may have wondered, “Isn’t there any way to lower the cost?”

How to Reduce Your New Jersey Workers Compensation Insurance Costs

One important thing to know about workers compensation insurance is that you DO have input on the expense. Hauswirth & Sons Insurance Consultants in New Jersey can show you the three areas where vigilance can pay off:

• Payroll Classification – Make sure your workers are classified correctly. An error here could result in substantial additional premiums.
• Premium Audit – When your payrolls are audited by the insurance company, make sure your overtime is noted and you maintain excellent records of non-worked time and company officer exclusions.
• Experience Modification – Make sure you know what this means, and make sure it is correct. It can substantially raise or lower your insurance payments.

New Jersey Workers Compensation Insurance Plan Experts

Another way Hauswirth & Sons Insurance can help you to save money is by selecting the right insurance company. While workers comp rates for all classes are the same for all companies, insurance companies can debit and credit the rates based on their experience and who they are interested in insuring.

Don’t wait to make sure your New Jersey Workers Compensation Insurance plan is set up correctly. Take a quick moment to complete the workers comp quote. One of our veteran NJ workers compensation experts will contact you immediately. We will explain all of your options and make sure you receive it at the best price. We will also counsel you on how to keep it that way, so contact us right away!

Get you Free Workers Compensation Quote Here

Call us Toll-Free 877-329-3261 for any questions or your free phone quote.

Stop Worrying About Your New Jersey Restaurant Insurance.

There are so many things you have to get right to run a restaurant, sometimes it’s incredible that it all gets done…  We don’t want you to have worry about your New Jersey restaurant insurance on top of everything else.

There’s the food ordering, cultivating the proper image, the menu, hiring qualified and honest help, finding reliable vendors and most importantly getting customers in the door. Every day you bring together these and a million other elements to make sure each customer has a great dining experience.

But have you considered what you would do if you lost it all to an unexpected crisis? If you aren’t properly protected, the results could be devastating.

For example, the potential hazards of running a restaurant include:

• Employee theft
• Slip and fall accidents caused by slick floors
• Kitchen fires
• Personal injuries
• Improperly stored or prepared food
• Employee harassment, sexual or otherwise
• and much more, we just don’t want to scare you.

That’s why you should have rock-solid restaurant insurance. But you already have enough on your mind, and insurance is complicated. So where do you go for help? How do you know you’re getting the protection that your business really needs?

Hauswirth & Sons Insurance – The Solution to Your New Jersey Restaurant Insurance Worries

The best way to make this a worry-free investment is to seek the advice of our restaurant insurance experts at Hauswirth & Sons Insurance Consultants. We’re based right here in Forked River, NJ, to serve the needs of all New Jersey restaurants.

Here are just a few examples of the protection you can secure through us for your restaurant:

• Property and content insurance - protects your building and the contents inside from dangers like theft or fire.
• Business income insurance or loss of use insurance – ensures you will still receive an income if your restaurant is shut down from a covered hazard.
• Comprehensive liability protection will be there for you if you are sued by a customer who is injured or otherwise harmed while in your eatery.

There are many more protections that we will discuss with you in person. We will provide you with the most comprehensive restaurant protection for your insurance budget.

All you have to do is complete the Protection Savings Form on this page right now. The sooner we receive your information, the sooner a restaurant insurance specialist can get you the rock-solid protection that you deserve.

 

For more information about Restaurant Insurance visit www.HauswirthInsurance.com

Call us Toll Free 877-329-3261. Our expert staff can answer your questions.

How To Avoid Risking Your Practice – Lawyers Liability Insurance for your Firm

Each day you consult with law books or other law experts to get it right. Above all, you want to assist your client in his or her time of need.

Imagine if you received lawyers liability insurance (professional liability insurance) from an agent who lacks the expertise in getting this potentially business-saving protection for you. If your wondering if your current protection is comprehensive enough or if the price is appropriate, you need to see the experts at Hauswirth & Sons Insurance Consultants.

So, when you’re contemplating your professional liability errors and omission insurance, the question is: whom do you consult with for this valuable and necessary protection? Who has the expertise to make sure you are truly covered?

You will never have those worries with the seasoned insurance professionals at Hauswirth & Sons Insurance Consultants  located in Forked River, NJ. Our NJ lawyers liability insurance experts have been assisting lawyers with this important protection for over thirty years.

In fact, with our extensive market representation, we can offer you special coverages, higher limits (in some cases up to $10 million) and manageable deductibles. In most cases, we can even offer full protection for prior acts.

A New Jersey Lawyers Professional Liability Underwriting Society Member

As a New Jersey member of the Professional Liability Underwriting Society, Hauswirth & Sons understands all aspects of this insurance and how to apply it to practitioners of the law.

Hauswirth & Sons Insurance Consultants will find exactly the right protection for your firm whether you are a sole practitioner or a firm employing 100 associates.

Why wait, Call us TODAY! The sooner we receive your information, the sooner you will be contacted to discuss how to get rock-solid protection.

877-329-3261 (Toll-Free Number)

New Jersey Electricians Insurance

With the difficult and unsettling economic times we’re experiencing, you need a team of insurance professionals that will help you drive down your premiums, take the hassle out of audits and take the time to explain your coverage.  That’s what you will get with the protection team at Hauswirth & Sons Insurance Consultants.

As a former builder, Rich Hauswirth knows what New Jersey electrical contractors go through on a daily basis, juggling too many items all at the same time.  Quoting new business proposals, scheduling jobs, dealing with helpers, paperwork, paperwork and more paperwork and then the darn insurance.

Well let us check that task off your list, we can find you the best New Jersey Electricians Insurance. We can then provide you with Free Quotes for commercial auto. If your looking for Workers Compensation, we can help you with that. Just let us know you need our help by calling, visiting, or filling out your free quote.

We can help you make sense of your insurance needs, show you ways to reduce the risk of loss and help eliminate a lot of the paperwork involved in insurance.

Our highly trained staff specializes in finding the right coverage for small artisan contractors. We have the best rates for 1-2 person operations but we are not limited! Hauswirth & Sons is your one-stop shop for New Jersey contractors liability insurance , property, workers compensation, commercial autos, and anything else.

Special insurance needs for skilled contractors include coverage for tools and equipment used in day-to-day operations. Our licensed staff will be sure to cover every aspect of your New Jersey contractors insurance liability insurance needs.

We represent the best Commercial Auto Insurers in New Jersey. We can do comparison quoting for you to be sure you get the best coverage at the best price.

Richard Hauswirth, co-owner of Hauswirth & Sons Insurance Consultants was in the construction business prior to switching careers. So, not only do we understand the insurance side of the business, but we can also relate to contractors like you!

• Building Contractors
• Commercial Contractors
• General Contractors
• Electrical Contractors
• Roofing Contractors
• all Contractors qualify

We can also offer you workers compensation quotes free. As already stated, Hauswirth Insurance can provide you with the insurance for all your commercial auto; cars, trucks, and suvs.

Take a moment and fill out your FREE NJ Contractors Liability Insurance quote by clicking “Quote” at the top of the page.

If you want to speed up your NJ Contractors Liability Insurance  call us Toll Free 877-329-3261.

Visit www.HauswirthInsurance.com for more information.