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Small Business Health Care Tax Credit
Small business employers may have an opportunity to claim a credit in their 2013 tax returns. This tax credit is reserved specifically for small businesses with fewer than 25 full-time equivalent...
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How to Reduce Costs & What to Do Before an Accident Occurs
If you are a business owner in New Jersey, you know that workers compensation insurance is not an option. It is a requirement. But there are certain steps you can take to ensure that you are getting...
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Small Businesses Should Prepare for the Unexpected
Even if your business is not in the direct path of a natural disaster, there is still a possibility that it could be indirectly affected. The effects of Superstorm Sandy are still fresh in our minds....
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Selecting Cyber Insurance for Your Small Business
Small businesses are becoming a popular target for cyber attacks. In fact, the amount of attacks targeting small businesses has doubled in just a year’s time. Here’s a look at some of the findings from...
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The Benefits of Working with an Independent Insurance Broker
When you’re shopping for insurance – whether home, auto, health, or business insurance – you are likely come across a lot of industry terms and insurance jargon that can be quite confusing. Even before...
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Tips on Reviewing Your New Jersey Business Insurance Policies
Similar to the way a car requires regular maintenance for functionality, business insurance policies require regular check-ups for practicality. Small businesses in New Jersey should ideally review...
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What Types of Insurance Coverage Should Landscapers Have?
It is around this time each year that landscape professionals begin to gear up for one of the busiest times of the year – springtime. With the spring season on its way, Martin Financial Group – an...
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Why Your NJ Company May Need Business Interruption Insurance
For many unfortunate residents of the Northeast, the day before Superstorm Sandy hit was not only the last time they saw their home or car, but also the last time they saw customers at their business....
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Hiring a Subcontractor – What are the Exposures?
Think about all of the individual workers that come through your New Jersey-based business throughout the course of a year – the plumber, the cable guy, the landscaper, etc. Did you assess the risk of...
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Is “Pay As You Go” Workers Comp The Best Option for Your New Jersey Business?
As the Wall Street Journal notes, “One of the biggest worries for small-business owners is dealing with fluctuations in cash flow.” That’s why Martin Financial Group offers a pay as you go workers...
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How to Avoid EPL Claims
In 2010, the U.S. Equal Employment Opportunity Commission (EEOC) saw 99,922 discrimination claims. This was the highest number of claims in a fiscal year that the commission has seen in its 45-year...
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Does Your New Jersey Business Need D&O Insurance?
A common misconception is that you only need directors’ and officers’ liability insurance if you are a publicly-traded company. But as experts told Inc. magazine, “Although privately held businesses...
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The Dangers of Cyber Insecurity
Cyber attacks are among the top concerns when it comes to national security. As former Intelligence Chief Mike McConnell told NPR, “The United States is fighting a cyberwar today, and we are losing.”...
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Preparing for the 2013 Hurricane Season
The official start of the Atlantic hurricane season begins on June 1, but with the aftermath of Superstorm Sandy lingering, many people are already anticipating the 2013 season. Researchers at the...
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Best Practices When Shopping for Insurance
Business owners have a lot of responsibilities to take care of. In addition to making sure the day to day operations of the company are running smoothly, there are several other important tasks to tend...
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Bakery Insurance 101
Source: Sura Nualpradid / Freedigitalphotos.net Since the debuts of television shows such as Cake Boss and DC Cupcakes, it seems as if more and more small bakeries are popping up all across America....
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How Roofers can Avoid Hazards
Just last year, CNN Money named roofing as one of the ten most dangerous jobs in America. OSHA reports that falls are a leading cause of death in the construction industry, with a total of 255 falls...
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Just How Costly Can a Data Breach Be?
Source: Freedigitalphotos.net A few months ago, we discussed how cyber attacks on businesses are increasing annually. And these types of attacks can leak sensitive company data, such as trade secrets...
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Understanding Environmental Liability Insurance
As Dave Lenckus wrote in an article for the Global Finance magazine, “As regulators strengthen legislation, pollution insurance is ever-more essential.” It’s clear that concern over the current state...
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Common Myths About Flood Insurance
Do you know what the number one natural hazard in the United States is? Many of you may be surprised to learn that flooding is our country’s top natural hazard (ABC News). This especially comes to a...
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