Insurance Blog & Insights
Business Insurance Registration In Raritan Township, Hunterdon County
New Jersey Governor Murphy signed P.L. 2022, c.92 on August 5, 2022. Under this new state law, it is now illegal for any business or owner of a rental unit not to have liability…
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What You Need to Know About Increasing Inflation Rates and Insurance
We are seeing the effects of high inflation in every aspect of our lives. Certainly, we are impacted by higher prices in food, energy, and consumer goods. Combined with the…
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Business Insurance Registration Required in New Jersey
Until recently, there was no requirement under New Jersey (or Federal for that matter) law requiring a business owner to purchase Liability Insurance. This all changed when New…
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What is an Additional Insured Endorsement
It seems an almost normal course of business these days to be asked to name a contractor, vendor, landlord, or other business associate as an additional insured on your liability…
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Ten Tips for Proper Cyber Hygiene
I like lists. Lists help me stay organized and help me break big, overwhelming things into bite-size pieces I can get done. One of the big, overwhelming things facing business…
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How Much Liability Insurance Is Enough?
Liability insurance is what you purchase to protect you, or your business entity, from the allegations of injury from a third party. Luckily, most of us have not had a worst-case…
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Risk Management For Contractors and Business Owners
What Is Risk Management? Risk Management is the process of dealing with potential loss by a business or operation. The scope of Risk Management goes beyond purchasing an insurance…
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Surviving Your Workers Compensation Audit
If Benjamin Franklin were around today, he might change his famous quote to, “In this world, nothing is certain but death, taxes, and a workers compensation audit.” Why Is Your…
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How, And From Whom, You Buy Your Insurance Matters
We are inundated each day with branding, messaging, and advertising. With the advances in technology and social media, it seems to be everywhere all at the same time. And it…
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Are You Covered By Your Personal Auto Policy for Business Use of Your Vehicle?
Ride Sharing, Pizza Delivery, and More Examples of Using Personal Automobile for Business Jane uses her Honda Accord a few evenings a week while she drives for Uber. Jim, Jr. uses…
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Why Businesses Should Consider Cyber Liability Insurance
Our lives are increasingly digital. A year ago, who even knew what a “Zoom” was and now it may be the single largest gathering location. More and more of us are working from home,…
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Health Insurance Open Enrollment: Group Medical Plans
Did you know that open enrollment for group medical insurance plans may help you improve your health insurance coverage? There is a lot of discussion nationally about health…
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G. S. Newborn & Associates, Inc. was founded in 1992 as an insurance brokerage and risk management consultant. Gary Newborn, the founder and President of the agency, wanted to provide a personalized, custom service for business owners and families.
We utilize a highly talented staff to provide innovative solutions for your unique needs. Gary’s vision is to provide insurance and risk management services to Main Street that have previously only been available to Wall Street.
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