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MSM Insurance Agency Inc

78 John Miller Way
Ste 1014
Kearny, NJ 07032

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973-668-0822

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Health Insurance Does More than You Know

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Even in today’s employment environment of freelance, hybrid, remote, and gun-for-hire workers, most successful people have worked for over a few decades. That means there is a good chance you will also get sick at some point during your career. The good news is, if you work in or around Kearny, NJ, and need health insurance, the friendly and professional team at MSM Insurance Agency Inc. can help with health insurance solutions if you get sick and miss work. 

The Benefits of Health Insurance Solutions

Yes, most people know that if they get sick and have to miss a little or even an extended period of work, then health insurance can help. Health insurance is the safety net people and families rely on everywhere because getting sick and being unable to work doesn’t prevent the bills from coming. 

Many people don’t think much about, however, the other benefits of having the right health insurance plan. None of us wants to get sick, which is also why so many people invest in a healthy lifestyle and get screenings and exams. The right health insurance plan can also help support these areas. Health insurance can also provide greater access to healthcare and healthcare options.

The key is finding the right health insurance plan and solutions for you and your needs. That is also where the caring and knowledgeable team at the MSM Insurance Agency Inc. can offer the solutions, coverage, and peace of mind you want and deserve. If you live in the Kearny, NJ, area and have questions about health insurance, contact us to learn more and get the health insurance solutions you need today. 

Commercial Insurance: FAQs

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Unraveling Business Insurance for New Jersey Businesses

Are you a business owner seeking to protect your venture with the right commercial insurance? Perhaps you’re contemplating upgrading your existing policy. This blog helps answer common questions related to business insurance.

What type of business insurance do you need?

A multitude of insurance options are available for your business and should be chosen based on your company-specific needs. For instance, if you own a commercial property, you might want to consider a business owner’s policy. Additionally, having workers’ compensation is essential if you employ staff.

Is insurance necessary for home businesses?

Yes. If you operate a home-based business, securing relevant insurance is critical. Home businesses, much like traditional businesses, face similar risks. If customers frequently visit your home-based entity, it’s best to have general liability insurance.

Is business insurance mandatory in New Jersey?

All limited liability companies (LLCs) and partnerships must have proper business insurance coverage in New Jersey. Further, like most US states, New Jersey requires all companies to have workers’ compensation coverage to protect employees.

If you’re a business owner in New Jersey and require commercial insurance, contact MSM Insurance Agency Inc. We’re equipped to provide the necessary information about various insurance options. Serving clients in Kearny, NJ, and nearby areas, we’re eager to answer your questions and provide extensive support.

5 Details You Should Know About Your Car Insurance

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At MSM Insurance Agency, serving the Newark, NJ area, we understand that car insurance may be far more important to us than our clients. But there are details everyone should know.

Here are five examples:

     1. All Licensed Drivers Need to Be Named

It is important that all licensed drivers in your household be named on your auto insurance policy, whether they drive your vehicles or not. This is an oversight that can create problems should there be a claim on your automobile insurance.

     2. Getting Non-Insured or Under-Insured Coverage

You could be stuck with expensive repair costs should you be involved in an auto accident with an uninsured or underinsured driver. This is coverage that can be well worth its minimal cost.

     3. Where Your Car Is Kept at Night

Where your car is parked at night is important in determining car insurance rates. This information must be accurate.

     4. Car Identification Details

Make sure the make, model, color, license plate number, and VIN are accurate on your application. Your auto insurance agency should make sure your info matches public records.

     5. Verifying the State Knows Your Insurance Provider

It is crucial that when you change car insurance companies, your records with the state are accurate. While you may expect those changes to automatically be recorded, your old agency may just report that you no longer have coverage with them. This can lead authorities to believe you don’t have coverage. It is worth following up on.

Get A Free Quote

If you live in the Newark, NJ area and would like a quote on your auto insurance, we invite you to reach out to us at MSM Insurance Agency for a no-obligation review and price quote. We can verify the details of your coverage to provide peace of mind. We can also provide a quote that could save you money. Reach out to us today.

Clever Ways of Improving Your Home Insurance

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Are you looking for home insurance for your Newark, NJ and aren’t sure how to begin? Lots of people have been in that position before, and we at MSM Insurance Agency Inc. are here to help you.

Here are a few ways to improve your home insurance:

Upgrade Your Appliances 

It’s important to make sure that your home’s appliances and utilities are as strong as possible to minimize complications with your policy. For example, adding new efficiency heating and cooling devices can greatly reduce your insurance costs and open you up to better policies. 

Install Safety Gear 

Did you know that you can install security devices and various safety items in your home to keep it protected? Furthermore, this step can also improve your insurance by reducing your payments and opening you up to better and more efficient policies.

Improve Your Roof 

When your roof is in rough shape, it’s an important idea to repair it to make sure it’s as strong as possible. This step helps keep out various weathering issues and keeps your home strong. Even better, it might improve your insurance protection and policy options.

Bundle Your Policies 

Did you know that you can often bundle things like car, life, and home insurance into a single bundle with your provider? That step is a great one because it can reduce your costs significantly and even give you a better overall policy from many providers.

Consult With Us

Our team can help Newark, NJ homeowners find a policy that makes sense for their needs. Please don’t hesitate to contact us at MSM Insurance Agency Inc. to learn more about your options. We’ll do what we can to give you the protection that you deserve for your home here.

Do You Need a USDOT Number?

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Trucking companies that transport passengers or cargo for interstate transport must register with the FMCSA (Federal Motor Carrier Safety Administration). Those Newark, NJ trucking companies must also obtain a USDOT number. Commercial truckers that use intrastate routes but carry hazardous materials requiring a safety permit will also be required to get a USDOT number. 

Which Materials Are Hazardous? 

Some of the materials classified as hazardous materials include radioactive materials. Other hazardous materials include explosives and materials that may be poisonous when inhaled. This classification would also include methane and anhydrous ammonia.

Please note that most states require all trucks to obtain USDOT numbers regardless of where they travel. Check with your state’s DOT to determine whether your state is one of those with this requirement. It is the responsibility of truck drivers to know and abide by these laws.

Your USDOT Number 

A USDOT (United States Department of Transportation) number will be used as an identifying number during audits, compliance reviews, and inspections. The DOT will also use these numbers to keep track of safety statistics in the event of an accident. Trucks are required to display their USDOT number on both sides of the truck. The USDOT letters must be at least two inches high and be painted in a contrasting color to the primary color of the truck. 

Have Questions? Consult With Us

If you live in the Newark, NJ area and you’re looking for trucking insurance solutions, call MSM Insurance Agency Inc. for a quote today. Our team at MSM Insurance is dedicated to finding the right trucking insurance solutions for you. If you have questions about USDOT numbers or any other trucking insurance topics, give us a call for a thorough and knowledgeable answer. 

Three mistakes to avoid when you choose motorcycle insurance coverage

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Making mistakes when you purchase motorcycle insurance can be very costly. Fortunately, MSM Insurance Agency Inc. can help bikers in Newark, NJ to make the right decisions when they buy coverage for their motorcycle.

The following are three mistakes to avoid when you choose motorcycle insurance coverage:

Thinking that your motorcycle insurance coverage covers more than it does

You need to completely understand the details of the coverage you’re buying.

Remember that you have to add collision and comprehensive coverage to your policy because a basic liability policy won’t include them. It’s also important to check on options including roadside assistance, rental vehicle coverage, and uninsured/underinsured motorist coverage. 

Only purchasing the state minimum requirement of liability coverage

You’re only legally required to meet minimum liability coverage requirements with your policy. Yet you’ll definitely be more financially secure if you invest in added coverage.

Adding additional liability coverage to your policy might not cost you a whole lot more but could save you from a lot of financial problems down the road. 

Failing to notify your motorcycle insurance provider that you only use your bike recreationally

Motorcycle insurance providers will typically charge customers less if they ride their bikes recreationally rather than on a daily basis. That’s why it’s essential that you let your insurance provider know how often you use your bike.

You might find that your premiums are much less if you specify recreational use only on your policy. 

Schedule A Consultation Today

At MSM Insurance Agency Inc., we’re happy to provide motorcyclists in Newark, NJ with a quote on a motorcycle insurance policy. You can get in touch with us over the phone or online to get a quote on one of our policies. 

Life Insurance Coverage for Veterans Through VALife

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Veterans who want life insurance will be interested to know that VALife offers whole-life policies for veterans. These policies guarantee acceptance for service-disabled veterans who are age 80 or under. Veterans often ask about their eligibility for these low-cost policies.

At MSM Insurance Agency Inc. in Newark, NJ, we are available to answer questions for veterans or anyone else who needs answers about insurance. Life insurance policies can give you peace of mind about your family’s future financial security. Our staff will explain all the life insurance options veterans can choose and how these choices can fit their needs.

Life Insurance Coverage for Veterans

Veterans under age 80 are eligible for VALife policies as long as their disability has been evaluated – regardless of the rating they receive. There is no time limit to apply for this insurance. You can apply for the insurance online by following the instructions at the VA.gov website.

Veterans over age 81 may also be eligible for VALife if they applied for VA disability before age 81 and received the results of their evaluation after age 81. Those veterans can obtain life insurance through VALife if they apply within two years of receiving their disability evaluation.

With VALife, a veteran will be eligible for up to $40,000 in whole-life coverage. The payment of benefits will be administered in four partial amounts of 10,000. The cash value of these policies starts to add up within two years of the receipt of your application.

Reach Out To Us

Newark, NJ veterans are invited to contact us or to visit our office at MSM Insurance. If you’re a veteran, we want to honor your service to our country. Don’t hesitate to contact us today for assistance with your life insurance needs.

3 Facets Of Health Insurance Everyone Should Know

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When you go to the doctor’s office, you expect to have the visit covered, pay the co-pay, and have any drugs prescribed covered. You use a doctor inside the insurance company’s preferred network. What else do you need?

Health insurance involves the cost of a doctor outside the network without a referral, drugs that aren’t covered, out-of-pocket costs, and more. When you’re searching for the right Newark, NJ health insurance for you and your family, MSM Insurance Agency Inc. wants you to look for these things.

Health Insurance: What To Look For

Networks

Going to any old doctor when you’re sick will cost more. HMOs and PPOs prefer that you use their doctors. Their doctors prescribe drugs for which they will pay. You may or may not need a referral to see a specialist. This is called a network. If you use a doctor outside the insurance company’s network, you’ll pay more or all of it.

Paying For Healthcare

If you choose to pay higher premiums, then your out-of-pocket costs like copay and coinsurance will be lower. If you’re in the Newark, NJ ER or doctor’s office a lot, this would be a good idea. Alternatively, paying lower premiums with higher out-of-pocket costs would be better if you’re rarely sick and/or can’t pay the higher premiums. Also check if the plan covers specific medications such as diabetic meds, heart attack meds, and such.

Drugs

Prescription drugs are approved or not by insurance companies. They have a list of covered prescription drugs. Your primary care physician will fill out a form explaining why you need the drug before the insurance company will okay the prescription. If the medical need is severe, your doctor will file an exception with the insurance company.

Schedule A Consultation Today!

Figuring out health insurance is a matter of knowing what your needs are, what the insurance company covers, and how much you can afford to pay. MSM Insurance Agency Inc. is here for you when you have questions, so give us a call or drop by the office.

Four important decisions you make when you buy commercial insurance

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You’ll have plenty of important decisions to make when you are in the market for the right commercial insurance for your company in Wenatchee, WA. At MSM Insurance Agency Inc., we can help you make these important decisions so that your company is adequately covered.

The following are four important decisions you make when you buy commercial insurance:

The amount of coverage you buy for your company

You need to make sure that your company is adequately insured by choosing high enough coverage maximums. It’s best to purchase enough coverage for your company so that you’re covered for the full value of your company’s assets. 

The types of coverage you invest in

Before you purchase a policy, familiarize yourself with all the different types of commercial coverage.

All commercial policies should include liability coverage. Your commercial insurance policy may also need to include commercial auto, workers’ compensation, commercial property, or business interruption coverage. These are just a few of the many available coverage types. 

The insurance provider you purchase your policy from

Choosing the right insurance provider is important. Purchase your commercial insurance with an established insurance provider with a history of providing good customer service and quality coverage. 

The deductible amounts on your commercial insurance policy

Commercial insurance policies typically include deductibles. You’ll have to pay your deductible when you file a claim. Deductible amounts have a big impact on premium costs.

You should choose a deductible amount that’s low enough for your business to be able to easily cover it if you have to file a claim.

Reach Out To Us

It’s essential to purchase insurance for your Wenatchee, WA business. Contact us at MSM Insurance Agency Inc. to get a policy quote and find the right coverage for your company. 

Why do car owners need auto insurance in Newark?

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Anyone that is in the Newark, NJ area will find that it is a great place to live. However, you may need a car to get around the community. When you are going to buy a car here, you need to have insurance for it as well. There are a lot of reasons why you will need this coverage when in this area. 

Comply with New Jersey Law

An important reason for any car owner in New Jersey to get an auto insurance plan is so they can comply with state law. When you are going to drive a car in New Jersey, you need to meet standards that are set by the state. This requires you to carry a certain level of auto liability coverage. If you are caught driving without such coverage, you can be penalized severely. 

Protect Your Vehicle

You also will want to have an auto insurance plan here so you can protect your vehicle. If you are going to buy a car to drive in this state, you need to ensure the investment is covered and protected. If you invest in a full comprehensive plan, it will offer support to mitigate many risks including theft, vandalism, or accident damage. This coverage is also required by loan agreements if you have taken out an auto loan when buying a car.

We Are Here To Help

If you are looking to buy a car and live in the Newark, NJ area, you will want to know that you have the right insurance in place. One of the best ways to ensure you choose the right auto insurance policy is by calling our team with MSM Insurance Agency Inc. Our team at MSM Insurance Agency Inc. knows the value of this coverage and will ensure you continue to remain properly covered.