Category Archives: Business Insurance

Just like Muller Insurance in Hoboken, Cumberland Insurance Group (CIG)  has been serving New Jersey residents for more than 100 years. At Muller, we continue to work with CIG because they provide our clients with excellent personal and business insurance packages tailored to fit like a tuxedo on your wedding day.

If you’re looking for an insurance carrier that can deliver superior coverage, excellent value and exceptional service, whether your insurance needs are business or personal, CIG offers you the flexibility to package a range of insurance coverages that save you money.

CIG’s Personal Lines policies provide protection for your home, personal valuable, autos and more:

Homeowner: Coverage for your dwelling, personal property and personal liability. Identity Theft Resolution Services are also included.

Combination Dwelling: Provides coverage for a dwelling that you own and rent to others.

Tenant:  Coverage for your personal property and personal liability if you rent a home or apartment. Identity Theft Resolution Services are also included.

Condominium: Coverage on contents and on any part of the building which the unit-owner is required to insure by written agreement with the condo association. Identity Theft Resolution Services are also included.

Personal Umbrella: Provides an additional $1 million to $5 million of liability protection; (available as part of the Homeowner’s Policy in New Jersey).

CIG’s Commercial Lines policies for businesses insure facilities, cover special risks and guard against the damage that an interruption in business operations can cause. Restaurants and Artisans are some of the many types of businesses that rely on Cumberland because the company understands that they have specific insurance needs. By wrapping all your commercial business into one comprehensive package, CIG can meet your requirements and save you money.  Commercial Lines coverages include:

Commercial Auto: Coverage for vehicles owned by your business for damages and liabilities.

Business Owners: Coverage for small to medium-sized businesses for Property, Liability, Loss of Income and other optional coverages.

Liability: Coverage for your business against claims from others for bodily injury and property damage.

Property: Coverage for your business building and/or contents from loss caused by covered perils.

Special Contractor’s Package:  Provides small artisan contractors with coverage for business liability and optional property coverage for buildings, contents, tools and equipment.

Workers Compensation:  Provides statutory benefits for your employees who are injured on the job. Also provides Employers Liability Coverage.

Umbrella: Provides increased limits of liability above your existing liability policies.

It’s easy to see why The Cumberland Insurance Group has been in business for so long. They provide superior service to their clients.  At Muller Insurance in Hoboken, our certified professional insurance agents are familiar with CIG’s coverages and have the expertise to help you secure the best insurance coverage tailored to your needs. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate appraiser (CREA), IATA Travel Agent, Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime  member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

Whether it’s a small enterprise run out of a basement or a large corporation, a business’s success is largely dependent on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn’t disappear when a disaster strikes is to protect it with the appropriate insurance.

Insurance companies selling business insurance offer policies that bundle protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the Business Owners Policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs include: (based on information provided by the Insurance Information Institute, Inc.)

Property insurance for buildings; and contents owned by the company: There are two different forms, standard and special, which provide more comprehensive coverage.

Business interruption insurance: This covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.

Liability protection: This covers your company’s legal responsibility for the harm it may cause to others.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees

Other coverages available:

Computer Equipment and Software: Provides coverage for  your computer hardware and software in the event that they are damaged due to a  covered loss.  In some cases a deductible  does not apply.

Boiler and Machinery: Provides coverage for heating and  cooling equipment. Losses due to wear and tear and age are not covered.

Earthquake: Provides coverage for damage due to earthquake.  This is a standard exclusion on all policies  and coverage must be purchased if available.

Flood: Provides coverage for rising water. This is a standard exclusion on all  policies and must be purchased as a separate policy.

Glass: Provides coverage for breakage of front glass windows that might be  included in your lease. A deductible applies to this coverage.

Restaurants – Products Liability: Covers you if someone  gets sick from the food in your restaurant.

Workers Compensation (separate policy): Provides lost wages and medical for an employee that gets hurt while working for you. The coverage  must be purchased as a separate policy and is based on the annual payroll.

Employee Dishonesty: Provides coverage in the event that an employee steals from you.

Discounts are available for:

Alarm Systems: Systems monitored to a central station.

Sprinkler Systems: Full sprinkler system with correct grading.

Multi-Locations: Insuring more than three locations on a policy.

Claims Free after 1^st, 2^nd, 4^th years.

At Muller Insurance in Hoboken, our certified professional insurance agents have the expertise to help you secure the best insurance coverage for your business. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North
Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce Commerce  since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

Most of us would like to have a safety net to fall back on when emergencies arise. And for contractors who need certificates of insurance for general liability and workers compensation, Muller Insurance in Hoboken, New Jersey provides a safety net of insurance coverages for contractors.  At Muller Insurance, our staff of certified professional insurance agents can type a certificate right away for you. We have great pricing and service and can offer you special payment plans. In most cases we can give you an immediate quote.

General Liability Insurance:  Contractor’s liability insurance protects contractors against third party claims of property damage, personal injury, negligence, contractual liability and law suits that may occur while operating their business.  Liability insurance helps protect the contractor and can help defray the costs of attorney fees. General Liability Insurance covers bodily injury and property damage and also provides coverage for claims arising on account of property damage and bodily injury after the completion of a project. The Owners and Contractors Protective (OCP), which provides coverage relating to subcontractors, is included as a part of the general liability policy. Typically, a general contractor is not responsible for a subcontractor’s mistakes, but there have been times when attorneys for subcontractors sue the general contractor for negligence. As a precaution, a general contractor needs to ensure that any subcontractor they hire has general liability insurance. General contractors, who hire subcontractors that have General Liability coverage, will pay a lower premium on their insurance policy.

Workers Compensation Insurance:  If you have employees or are a corporation or LLC, New Jersey law says you must have Workers Compensation coverage. Compensation coverage will properly cover you if an employee gets hurt. In New Jersey, all Workers Compensation rates start at the same level. At Muller Insurance, we offer special managed care discounts for you from 10% all the way up to 17% if your business qualifies. Payment plans are available.

The Workers Compensation Insurance policy includes two parts: Part 1 provides benefits to employees who are injured or suffer from a disease that arises out of and in the course of employment. These include Medical, Income and Death Benefits. Part 2 provides Employer’s Liability that protects the employer against a variety of common law exposures for injuries that arise out of the course of employment. This coverage was designed to cover claims that are not subject to workers’ compensation laws. Such claims usually include claims made by the spouse or children of the injured worker or claims made by those who are exempt from the workers compensation policy coverage, i.e. minors.

Completed Operations Coverage: This coverage is extremely important for contractors. When a contractor is working on a site they are responsible for the staff’s safety and someone possibly getting hurt, for example tripping over a tool.  When their job is done, accidents happen and the contractor can be taken to court because their finished work can be a source of liability. An example would be an overhead door is installed in a garage and three months later the door malfunctions and falls on a car damaging it.  The owner of the car will expect the contractor to be responsible for the damages. The completed operations coverage will protect the contractor in this case, as long as the damage is not due to bad workmanship.

Find out all there is to know about Contractors Insurance at Muller Insurance in  Hoboken where our certified professional insurance agents help you secure a  safety net of insurance coverage to fit your business needs.

 About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

During these tough economic times and with the convenience of the Internet, many people have turned their entrepreneurial spirit, hobbies and side-lines into home businesses, and cottage industries. They conduct all their business from their home office, produce product in their garage, or basement and sometimes see clients in their living rooms.

However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. To ensure all the effort and money you have invested in your business doesn’t disappear in a disaster, it’s advisable to protect your business with the appropriate insurance. Insurance companies now offer policies that combine protection from all major property and liability risks into one package.

Popular among small and mid-sized business owners is the Business Owners Policy (BOP) which insurance companies use to combine policies that protect business owners from all major property and liability risks into one package.

What’s covered in a BOP:

Property insurance for buildings and contents owned by the company. There’s a Standard policy and a Special policy which is more comprehensive.

You can customize your policy by adding other coverages that include: Money and securities, valuable papers and records coverage, accounts receivable, property of others, computer and software coverage, excess liability and umbrella coverage is available in most cases (The above information is general only and is subject to the conditions, terms, and exclusions stated in the policies. Coverage may be subject to certain modifications or limitations.  Please read your actual policy forms for complete details on conditions and exclusions).

Business interruption insurance. This covers loss of income from fire or other disasters that disrupt business operations and can also include expenses incurred from operating at a temporary location.

Liability protection. This covers your company’s legal responsibility for the harm it may cause to others as a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations, and errors in services.

A Sense of Security.  Feel secure knowing your business is protected with a BOP.

What’s not covered in a BOP:

Professional Liability, etc. Professional Liability, Auto Insurance, Worker’s Compensation, or Health and Disability Insurance are NOT covered under BOPs. Separate insurance policies are needed to cover professional services, vehicles, and employees.

Your home business shouldn’t be a danger zone. At Muller Insurance, we can help protect your business and give you peace of mind.  Our A+ rated Franklin Mutual Insurance Company has a special Home Business Program that can protect your home and your home based business in one neat package.  Contact us today for more details!

About Roger J. Muller, Jr. Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.