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Speakman Agency, LLC. Blog

View the latest blog posts from Speakman Agency, LLC..

 June 1 – Nov. 30 is hurricane season. Although the Northeast may not be quite the hurricane mecca that the Gulf coast is, hurricanes and windstorms are still a real threat to homeowners along the eastern seaboard. A home near the coast typically has a higher deductible for windstorm loss than for other causes of loss such as fire or theft. READ MORE >>

Snow plowing insurance in New Jersey!  Paying high premiums for snow plowing? Contact us today. Don't get left out in the cold this winter. If you remove snow for a fee, you must have insurance. Insurance for snow removal is becoming more difficult in New Jersey each year. READ MORE >>

  The Speakman Agency has partnered with This partnership has afforded Speakman Agency to make available Personal Umbrella coverage which has the option to include Excess Uninsured Motorists coverage. This is pertinent to protecting people from financial burdens.   READ MORE >>

  Does your NJ Umbrella policy include coverage for Underinsured/Uninsured Motorists? I recently met with a few attorneys at the Mandelbaum Salsburg firm in Edison NJ. Our discussion included the fact that homeowners who purchase umbrella policies are not aware of the fact that most umbrella policies do not provide coverage over and above for Uninsured/Underinsured motorists. READ MORE >>

Do you have a Personal Umbrella policy?   It is very important to understand that most umbrella policies DO NOT cover uninsured motorists. An umbrella is meant to cover any property damage or bodily injury you cause. READ MORE >>

What does a General Contractor’s Insurance policy cover? Whether you are the General contractor or independent contractor which means a subcontractor, insurance in New Jersey can become confusing.   We write insurance for single subcontractors to larger contractors with multiple employees and subcontractors. READ MORE >>

Calling all Contractors Subcontractors Independent Contractors. The Speakman Agency takes care of all types of contractors on a daily basis. Often I will receive a call from someone just starting out in business. They often state "I just need liability insurance."  The language tells the story. READ MORE >>

Well, it is that time again when we move our clocks forward for an hour. We lose an hour of sleep and look forward to when springtime will arrive.  For me, I cannot wait to see the flowers bloom and feel the warm spring air. However, it may be some time since there is a pending storm in our area. READ MORE >>

I am asked this question so frequently, I decided to put the information in writing.   For any business in NJ if you have any employees, even just a part time person, you MUST purchase Workers Compensation Insurance. This applies whether you are a sole proprietor, a partnership an LLC or a corporation. READ MORE >>

80 degree weather in October? Crazy isn't it! Well, now that the nice weather has completed it course for us in the East Coast, November is rolling in quickly.  Another Halloween will pass and the goblins and witches will have packed away their costumes and  preparation for the holiday season begins. READ MORE >>

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