Risk Management Toolbox

We take risk management and loss control seriously. Our learning center helps provide the resources you might need to understand the risks you face. Simply click on the topic to find out more information and download documents.

Getting Started

PDF image New Purchase Evaluation
Evaluating a new property is important. This form is used to collect basic information about a new property. The collected information will be used to provide an evaluation about the new purchase. Click here to download our New Purchase Evaluation Form
PDF image Common Insurance Terms
This form includes a collection of some common insurance terms, their definitions, and examples of use. Please use the link below to download the form. Click here to download common insurance terms
PDF image Market Outlook 2024 Commercial Property
Commercial property insurance premiums have surged sharply in 2023 due to natural disasters, inflation, and volatile property values. Insurers are raising rates and tightening coverage, especially for high-risk businesses. Download our PDF to read more about the developments and trends to watch in 2024. Click here to download market outlook 2024 commercial property
PDF image Market Outlook 2024 General Liability
General liability insurance has faced ongoing rate increases and stricter underwriting due to rising claim severity and frequency. Policyholders can expect modest premium increases in 2024, with higher-risk sectors likely facing steeper hikes and coverage challenges. Download our PDF to read more about general liability outlook in 2024. Click here to download market outlook 2024 general liability
PDF image New Jersey Proof of Insurance Statute
Requires business owners and rental unit owners to maintain certain liability insurance policies. AN ACT requiring liability insurance for business owners and rental unit owners and supplementing Title 17 of the Revised Statutes. Download our PDF to read more about New Jersey proof of insurance statute. Click here to download New Jersey proof of insurance statute

Weather-Related

PDF image Flood Zone Definitions
Please use the link below to read about flood zone designations and descriptions. Click here to download flood zone definitions
PDF image Flood Zone Checklist
When preparing for a flood, a detailed checklist should be developed indicating the order in which processes are to be shut down and a dwelling secured. The length of time needed (expressed in hours or days) to accomplish these tasks should be determined in advance so that appropriate actions can be initiated at the proper time. Then, as each task is completed during either a flood watch or flood warning, check it off and move on to the next one. Click here to download our Flood Zone Checklist
PDF image Before Cold/Snowy/Icy Weather
Please use the link below to read about emergency program for winter including procedures for cold/snowy/icy weather. Click here to download winter emergency program
PDF image During Snow Accumulation
Please use the link below to read about recommendations during snow accumulation. Click here to download recommendations during snow accumulation
PDF image Hurricane Preparedness Tips
Each year, hurricane season brings significant risks to homeowners across various regions—not just those in coastal areas. Hurricanes are powerful and unpredictable, capable of causing extensive property damage through storm surges, high winds, and severe flooding. Being proactive is key to minimizing the impact of these natural disasters. By following these eight essential tips, you can increase your home's readiness and better protect your family and property in the event of a hurricane. Click here to download hurricane preparedness tips
PDF image Hurricane Assessment Checklist
It can be challenging for a business to recover following a hurricane. As a business owner, being prepared is one of the best ways to ensure your business survives following a hurricane or other natural disaster. This checklist can help you assess the potential damage a hurricane can have on your business. Click here to download our Hurricane Checklist
PDF image Important Steps to Take After Storm
Safety first. Download the document below for important steps to take after disaster strikes. Click here to download steps to take after storm

Accidents

PDF image Sidewalk and Walkway Accidents
Include sidewalks & walkways in your inspection and preventative maintenance program. Please use the link below to read about sidewalk and walkways accidents preventative maintenance program. Click here to download accidents preventative maintenance program
PDF image Slip, Trip, and Fall Accident Investigation Report
Please use the link below to download the Slip/Trip and Fall Accident Investigation Report. Click here to download the accident investigation report

Property Damage & Costs

PDF image Vacant Property
Idle or vacant properties present a higher level of exposure from almost all the perils insured by a fire policy. Because of these increased exposures, a minimum level of protection and supervision are recommended to protect your interests. Please use the link below to read about these protection and supervision guidelines. Click here to download our Vacant Property form
PDF image Vacant Property Inspection Log
Please use the link below to download the vacant property inspection log form. Click here to download the vacant property inspection log
PDF image What is the Replacement Cost
One of the most often misunderstood issues when it comes to insurance on your rental properties is replacement cost. There are many factors to consider when reviewing the insured values of your properties, a few of which outlined below. We hope this document will provide you a better understanding of your risk. Click here to download how to determine property replacement cost
PDF image Replacement Cost Worksheet
Knowing how to calculate replacement cost is essential for accurate valuation, financial planning, risk management, market comparison, tax implications, asset management, and meeting lender requirements. This knowledge helps investors make informed decisions, protect their investments, and optimize returns. Click here to download our Replacement Cost Worksheet

Risk Insights

PDF image Home Matters: Are You Prepared for a Flood
According to the Federal Emergency Management Agency, floods are one of the most common natural disasters in the United States. What's more, it only takes an inch or two of water to cause major damage to your home. With this in mind, consider this guidance to ensure you, your family and your home are prepared for a flood. Click here to download this flood preparation guidance
PDF image Protecting Vacant Property
your firm may be forced to manage vacant property. The insurance risks and liabilities associated with owning unoccupied property can be extensive. To ensure you are adequately protected, it is important to know the risks you confront. Please download the document below for insights to mitigate risks associated with owning vacant property. Click here to download insights to protect vacant property
PDF image Winter Home Maintenance Tips
Winter weather can wreak havoc on your home. Properly maintaining your home may aid in keeping common home problems at bay this winter. Use these 10 tips to help you avoid winter woes at home and truly enjoy the chilly season. Click here to download winter maintenance tips
PDF image Dog Bites Liability
More than 50 percent of dog bites occur on the dog owner's property, and they account for one-third of all homeowners insurance liability claims. Please use the link below to read about the guidelines for preventing dog bites. Click here to download dog bites liability guidelines