Cleaning up your house or building after it has been damaged by a storm is not as simple as it may seem, but there are safety precautions you can observe to ensure the job goes smoothly after the storm. Before you even begin the clean-up process, always remember to...
As autumn settles over Washington, D.C., the city stirs with crisp air and an unexpected display of cherry blossoms. Yet, it wasn’t the scenery that drew independent insurance agents from across the country to the capital on Sept. 17, 2025. Instead, these dedicated...
PIANJ, along with a coalition of other insurance associations, sat down with legal counsel for Gov. Phil Murphy earlier this week, to raise serious concerns about a proposed regulation from the New Jersey Department of Labor and Workforce Development. The topic? A sweeping new rule that would redefine the ABC test used to determine whether a worker is an employee or an independent contractor. And, if you’re an independent insurance agent in New Jersey—or anywhere in the Northeast—this one’s worth your attention. [PHOTO CAPTION: (L-R) David Pascrell, Gibbons P.C.; Dennis Cuccinelli, National Association of Insurance and Financial Advisors; Gary La Spisa, Insurance Council of New Jersey; Mary Kay Roberts, Riker Danzig; PIANJ’s Brad Lachut; Roger Moore, NAIFA; and Vincent Ryan, American Council of Life Insurers.]
Most people don’t spend much time thinking about their insurance premiums outside of when they pay them. However, many factors determine an individual’s premium—age, claims history and location—all affect a premium rate. There also are factors that are outside of your...
Even though most of your employees should be in the baby boomer, Gen X and millennial generations, there could be members of the Silent Generation and Gen Z working together, too. This can be a good thing as cross-generational experience can be beneficial to problem...
The New York state Senate has issued a sweeping request for information on the state’s residential property insurance market—signaling the start of what could become a fast-moving legislative push to address skyrocketing premiums, shrinking availability and increasing...
Can you believe it’s been just over a month since President Donald Trump signed the One Big Beautiful Bill Act into law on July 4? It practically shipped with fireworks—and for those of us in the insurance world, it brought more than a few sparks. Some were good, a...
The New York State Department of Financial Services has finalized a regulation establishing a standardized definition of “hurricane” for homeowners insurance policies statewide—marking a significant win for consumer clarity and policy transparency. This action...
PIANJ has submitted formal comments in strong opposition to a proposed rule by the New Jersey Department of Labor and Workforce Development that would expand the application of the ABC test for determining independent contractor status under state labor laws...
The New Jersey Department of Labor is proposing a sweeping new rule that could disrupt how independent insurance agents do business fundamentally. The proposed regulation expands the ABC test—the legal standard used to determine whether a worker is an...