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We are New Jersey's largest insurance broker, and the 5th largest in the nation. With our unsurpassed market clout and exclusive carrier relationships, we provide unsurpassed insurance & Risk Management for businesses large and small. As well as employee benefits and personal lines insurance as well.
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Products & Services
Brown & Brown of Delaware Valley Inc offers commercial insurance products, as well as personal insurance for your home, vehicle, RV, motorcycle, an...
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Bodily injury to employees, specifically injury by disease, as a result of COVID-19 has the potential to significantly impact a company’s domestic workers’ compensation and employers’ liability insurance policies. It is important to understand how it applies relative to the policy coverage and to...
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Bodily injury to employees, specifically injury by disease, as a result of COVID-19 has the potential to significantly impact a company’s domestic workers’ compensation and employers’ liability insurance policies. It is important to understand how it applies relative to the policy coverage and to the state jurisdiction. Most jurisdictions also require that an illness or disease arise out of or be caused by conditions particular to the work to be compensable. For a claim to be compensable; however, it would have to be proven that the virus was in fact contracted at work and exposure to the employee was not due to an alternative source. If an illness can be contracted at work and in the wider world, it will generally not be found compensable. Bodily injury by disease must be caused or aggravated by the conditions of the employment. Additionally, the employee’s last day of last exposure to the conditions causing or aggravating such bodily injury must occur during the policy period. U.S. workers’ compensation will only respond to suits, and any related legal actions for damages for bodily injury by accident or a disease must be brought in the United States, its territories or possessions, or Canada. Coverage should include voluntary workers as insureds (if applicable) and coverage for executives traveling abroad (or a separate foreign voluntary workers’ compensation policy in place for foreign travel.)
Hi Wanda,
I think you are trying to ask how much insurance should you buy for a small business. You would want to have at least $1M Occurence/$2M Aggregate for your general liability. In addition, you’ll want to insure any office contents or what’s known as business personal property. Both of...
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Hi Wanda,
I think you are trying to ask how much insurance should you buy for a small business. You would want to have at least $1M Occurence/$2M Aggregate for your general liability. In addition, you’ll want to insure any office contents or what’s known as business personal property. Both of these coverages will usually come via a Business-owner’s Policy aka BOP, which will also include a lot other coverages as well. You’ll also need workers compensation and an umbrella isn’t a bad idea too.
Hi Olga,
This is too vague as insurance is a very broad term. Are you referring to property & casualty insurance aka business insurance or group health plans aka employee benefits? Or perhaps you're not even talking about commercial insurance, but personal lines? Please be more specific.
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Hi Olga,
This is too vague as insurance is a very broad term. Are you referring to property & casualty insurance aka business insurance or group health plans aka employee benefits? Or perhaps you're not even talking about commercial insurance, but personal lines? Please be more specific.