Music is a wonderful thing, and the best part of it is that you can make it yourself. There’s very little stopping you from purchasing an instrument, finding an instructor and taking the time to hone your new craft. However, you must take great care of your...
New Jersey has taken a major step forward to regulate the growing use of electric bicycles with the passage and signing of S-4834—a measure strongly supported by PIANJ. As e-bikes have rapidly evolved from recreational novelties into legitimate transportation...
I’m fascinated by the process of evolution. As a kid, I was a dinosaur fanatic, and I was perplexed by the thought of a Stegosaurus (my favorite dinosaur) evolving into a bird. Luckily, I have since wrapped my brain around that. I’ve always thought of evolution as a...
On the heels of Gov. Kathy Hochul’s State of the State address, where auto insurance reform took center stage, the state Legislature took steps to address the issue this week with the introduction of S.8905. This legislation, sponsored by Sen. Monica Martinez, D-4,...
Property/casualty insurance rarely gets the spotlight in a governor’s State of the State address. Most years, it’s a footnote—if mentioned at all. However, this year is different. Gov. Kathy Hochul put home and auto insurance front and...
As the 2026 legislative session begins in Albany, PIANY is once again advancing practical, meaningful reforms to improve the state’s insurance environment. PIANY’s priorities this year reflect the challenges independent agents are seeing in real time—outdated...
PIANJ has long advocated for banning the use of step-down clauses in personal auto policies—an unfair, hidden trap that blindsides consumers when they need coverage most. After years of steady advocacy, that work is paying off. Twin...
Renters insurance provides an essential safety net for tenants, offering protection against unforeseen events such as theft, fire, natural disasters or lawsuits. While obtaining a renters insurance policy is paramount, many renters undervalue the importance of...
Gov. Kathy Hochul has vetoed legislation (S.364) that would have prohibited insurers from imposing restrictions on renters insurance policies based solely on the breed—or mix of breeds—of a dog owned or harbored by the policyholder. The...
Winter is here, and that means so are the cold, dreary, and often snowy, days. Why not plan a vacation? Planning a vacation is fun! However, it is often expensive. Don’t forget that your independent insurance agent can provide insurance resources to help protect your...