Insurance Blog

There are some fantastic nonprofit organizations in Montclair, New Jersey and they deserve recognition for the positive work they do in our community. That’s why we’re highlighting eight of our favorite nonprofits and describe what they do to help the citizens of Montclair and how they do it. Find out more about them by reading below or watch our video summary!

1. Jazz House Kids

Jazz House Kids is a fantastic community arts organization that aims to educate and bring together kids in New Jersey through the love of jazz music, which is one of America’s finest art forms. The organization helps to provide musical tutoring, mentoring and education.

They help kids in schools and in their studios, serving Montclair residents by providing kids with an understanding and appreciation of jazz and music. It’s something they believe can bring lifelong benefits to the kids they work with, and their track record suggests they’re right. They have a growing list of awards to back it up.

2. Pound Animal Welfare Society of Montclair

The Pound Animal Welfare Society of Montclair, or PAWS, is a shelter focused on animal rescue and promoting the humane treatment of animals. One of the most important things they do is make it possible for people in the community to help abandoned and stray pets by adopting them.

They have a long and established track record of helping find loving homes for animals that need them most. Many cats and dogs that end up with families after leaving the care of PAWS would have had no help at all if it wasn’t for the organization. They do great things for animals and families alike.

3. 4th Wall Theatre

Theatre is a powerful medium, and that’s something that everyone at 4th Wall Theatre understands and appreciates better than anyone. They produce a range of excellent performances that are both diverse and underappreciated. These original productions wouldn’t happen any other way.

4th Wall Theatre makes an important contribution to the wider arts scene in Montclair, NJ and it’s something residents respond well to. They create innovative productions that give a voice to artists and creatives who need it most, creating a positive theatre experience that’s open to everyone.

4. Human Needs Food Pantry

The Human Needs Food Pantry has been operating and helping the community since 1982, providing clothing and many other services to people who need them most. They help the elderly, vulnerable families, disabled people, unemployed people and the working poor.

Many people in Montclair are still suffering and economic problems haven’t subsided. That’s why it’s so important to help the most vulnerable people living here in any way possible, and Human Needs Food Pantry is a big part of making that happen.

5. The Montclair Foundation/Van Vleck House & Gardens

The Montclair Foundation is focused on growing and improving the lives of people in the Montclair community. They do so by acting as a conduit for simple and straightforward charitable giving. From there, they’re able to support nonprofit organizations and provide them with the financing they need.

They focus on helping nonprofit organizations meet the needs of Montclair citizens in areas such as health, culture, education, social services and general quality of life. They also run the Van Vleck House & Gardens for the enjoyment of the community.

6. Mental Health Association of Essex and Morris

Mental health is important to all of us and more people are impacted by problems we realize. The Mental Health Association of Essex and Morris is focused on promoting mental health and integrating it with physical healthcare so everyone benefits.

They want to remove the stigma that’s often attached to mental health problems. By doing so, more people will feel comfortable and able to get the help and support they need with their mental health problems going forward.

7. The YMCA of Montclair

The YMCA of Montclair is all about helping young people develop and promoting ideas around healthy living and social responsibility to young people in the community. They offer a wide range of programs that young people in the area can take advantage of, including summer camps and various sports.

Having been around since 1891, the YMCA of Montclair is established in the community and has been helping young people and families for a long time. Along with camps, sports and activities, they also offer a range of classes and educational activities that can be enjoyed.

8. Toni’s Kitchen

We all know the importance of health and nutrition, but many still fall short. That’s where Toni’s Kitchen steps in. They offer help with the self-management of your nutrition and general health. If you’re struggling to manage any related issues, they’ll be able to assist you.

They even carry out regular screening sessions for glucose levels and blood pressure. Toni’s offers an all-round positive service that helps people in Montclair stay healthy and receive the support they need, when they need it.

What is Nonprofit Insurance and Why Does it Matter?

Just like a homeowner or a business owner would, those running nonprofit organizations in Montclair, NJ and beyond need to protect their property. There are all kinds of events that can go wrong such as theft and fires. It’s not uncommon for nonprofits to be targeted with lawsuits. That’s why the right insurance for nonprofits is so important.

There are many kinds of nonprofit insurance to be considered, ranging from property insurance and liability insurance to business auto insurance and workers’ compensation insurance. To avoid unnecessary problems, it’s vital for nonprofits to protect themselves with the forms of insurance right for them.

If you’re a renter in New Jersey, you need renters insurance.

This is a specific insurance that offers renters protection for unforeseen circumstances.

You may not understand who needs NJ renters insurance and what it covers, so allow us to explain everything for you.

There are many NJ homeowners insurance myths and misconceptions that will confuse you. Knowing what’s what in home insurance is a must if you own a home.

A home is likely to be the most expensive thing you’ll ever buy. Having the right insurance policy so you understand what you’re paying for is imperative.

Below, we’ll discuss the top New Jersey homeowners insurance myths and misconceptions to know:

You’ve likely heard the expression:

“April showers bring May flowers.”

While that’s true, April showers also cause flooding.

Is your home protected with personal flood insurance in NJ?

If you own a restaurant, bar, brewery, nightclub, event and show venue, or any space that serves or allows the consumption of alcoholic beverages, it’s important that you have a liquor liability insurance coverage.

This will protect your businesses if a patron harms themselves or others, or causes damages because of alcohol overconsumption.

There are two distinct policy types – Host Liquor Liability and Liquor Liability.

Are you ready to retire, but you’re not sure how to go about it?

You’re not alone.

Planning for retirement can feel overwhelming for both individuals and business owners.

That’s why we’ve put together this list of the most common retirement planning NJ questions (and answers) we receive:

With so many factors to consider, finding affordable auto insurance in NJ can be overwhelming.

Large corporations make it seem simple with their bottomless advertising budgets and catchy commercials, but how do you know if you’re really getting the best deal?

In this article, we’ll outline twelve things to consider to ensure that you get the best price on your auto coverage in New Jersey. If you’re pressed on time, watch our video summary:

Employment Practices Liability Insurance (EPLI)

As a small business or startup owner, you are in a highly vulnerable position when it comes to claims of wrongful termination, discrimination, harassment and lots of other employment-related issues. It is vital that you understand all the problems that can arise in such matters, get the appropriate coverage with employment practices liability insurance, and ensure that you have the practices, policies, and processes in place that protect your business from allegations. In this guide, we’re going to explain everything you need to know – let’s take a closer look.

Business Owner’s Policy

Business insurance can be complicated. From insuring against fire to employee injuries, it seems like the myriad of risks can be too much to shop for when you are shopping for business insurance. Itemizing these risks one by one and getting insurance for them is one way to go. In New Jersey, for example, you could shop for insurance at an insurance agency for one item and go out of a state of another. You can even go national for some insurances like fire and shop local to New Jersey for others like HIPPA insurance. But most people prefer combining their insurance policies into one convenient policy called Business Owner’s Policy.

There’s no denying that this crazy world has the potential to spring a surprise just when you least expect it. So, whether it’s in business or your personal life, it’s always better to be safe than sorry. Gaining suitable insurance coverage is the best way to provide that financial and emotional safety net. Unfortunately, with so many options out there, finding the right solution can prove to be a hugely daunting challenge. That’s where using an insurance agency comes into play.

When someone enters your retail establishment, there is an unspoken expectation that “common duty” has been taken and that they will be reasonably safe, but, despite the most careful procedures, accidents can happen. When it does, however, you need to be prepared. These are the top accidental claims made by patrons.

As a small business retailer, if someone told you that you needed to protect your business, your mind would likely venture to a number of different tasks. You’d think about ensuring you had the right alarm system installed, or whether your insurance would cover you in the event of a natural disaster— these are the essential protections that most retailers are aware that they need.

UPDATED on 11/30/2018: Business owners know that protecting your operations, building and contents are vital to your livelihood.

Businesses without commercial flood insurance coverage have three basic choices after flood disaster:

• Pay recovery costs out of pocket
• Incur debt (by borrowing money from the government)
• Close their doors

Getting insurance can feel like trying to choose the lesser of two evils.

Not having enough money available in the event of an emergency sounds TERRIFYING.

And paying some faceless corporation hundreds of dollars a month for coverage you won’t ever need doesn’t sound much better.

So what do you do?