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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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What Your Life Insurance Covers If You Pass Away

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MSM Insurance Agency Inc. is here to help Kearny, NJ residents and those in the surrounding area find the necessary protection. For example, we can help you find life insurance options that fit your coverage needs and pay out money in a way that makes sense for you.

Insurance Covers Whatever the Beneficiary Wants

All life insurance policies choose a beneficiary to whom the policy pays out. These could be a person, such as a spouse, children, or entities. These include charities, trusts, businesses, and other groups. Thankfully, you can often choose multiple beneficiaries if you like.

Once the money is paid out to these entities, they can literally do with it whatever they want. Some will use it to pay burial costs, while others might pay off your debts. They can also use it to help with college, mortgage, and everyday expenses, including groceries.

Payout Options Vary

Often, life insurance is paid out in one lump-sum payment, i.e., all at once. This is NOT taxable income, which makes it a popular option. However, there are also options like asset accounts that earn interest, life income payouts that pay off guaranteed payments for life, and more.

Some people prefer this approach because they can get smaller payments for a specific period or even the rest of their lives. That’s a guaranteed income that, depending on the policy, can be a nice thing to possess. Note that not all policies provide extensive payouts that last for life.

Let Us Know What You Need

MSM Insurance Agency Inc. is here to help Kearny, NJ residents identify life insurance policies that make the most sense for them. Not every policy works equally well for everybody, so don’t be afraid to be careful and talk with us about the best opportunities for your specific needs.

The Importance of Preventive Care: How Health Insurance Supports Wellness

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At MSM Insurance Agency Inc., serving the area of Kearny, NJ, we believe that staying healthy involves more than just treating illnesses—it’s about preventing them. Preventive care plays a critical role in maintaining well-being, and health insurance can be a powerful ally in this journey.

Why Preventive Care Matters

Preventive care includes services such as regular check-ups, screenings, and vaccinations that help detect or prevent serious health issues. Focusing on prevention can catch potential problems early, often before symptoms appear. This proactive approach keeps you healthier and saves money on medical expenses in the long run.

How Health Insurance Supports Your Health

Health insurance plans often cover a wide range of preventive services at no additional cost. This means you can access routine screenings, immunizations, and annual wellness visits without worrying about co-pays or deductibles. By taking advantage of these benefits, you can stay on top of your health and make informed decisions with your healthcare provider.

Building a Healthier Future

Engaging in preventive care can lead to a healthier lifestyle overall. Regular interactions with healthcare providers encourage you to maintain healthy habits, manage stress, and make informed lifestyle choices. With the support of your health insurance plan, you’ll have the resources you need to prioritize your health.

Take the Next Step By Reaching Out to Us Today

At MSM Insurance Agency Inc. serving the greater community in and around Kearny, NJ, we are committed to helping you understand the benefits of preventive care. Learn how your health insurance plan can support your wellness journey. Let us guide you towards a healthier, happier life. Together, we can build a future where wellness is within reach for everyone.

Commercial Insurance Products to Consider From a eCommerce Store

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Operating an eCommerce store can present fascinating opportunities and unique risks. At MSM Insurance Agency Inc. in Kearny, NJ, we’re committed to helping you manage these challenges with the right insurance solutions.

Recognizing the Importance of General Liability Insurance

General Liability Insurance is indispensable for any online business. This policy safeguards against claims related to third-party injuries or property damage. Even without a physical storefront, your business can confront legal issues if a product you sell causes harm. For example, if a customer alleges injury from an item purchased from your store, this insurance may cover legal fees and settlements.

Necessity of Product Liability Insurance

If your store deals in physical goods, Product Liability Insurance becomes vital. This cover shields you from potential lawsuits caused by product defects. If a product malfunctions and harms a user, this insurance helps manage the financial impact, ensuring your business can handle unexpected claims.

Guarding Against Cyber Threats

In this digital age, Cyber Liability Insurance is crucial. With the increasing prevalence of cyber-attacks, this policy protects your business from data breaches and other cyber events. It helps cover recovery costs and safeguards your reputation. This insurance covers notification costs, credit monitoring services, and legal expenses if customer data is compromised.

Business Interruption Coverage

Unexpected disruptions can significantly impact your operations. Business Interruption Insurance offers financial support if your business experiences downtime due to a covered event. This ensures stability during challenging times by covering lost income and ongoing expenses.

Ensuring the success of your eCommerce business requires careful planning. Contact MSM Insurance Agency Inc. in Kearny, NJ, for personalized advice and comprehensive insurance options. Let us help you effectively protect your online venture.

What to Know About Liability Only Auto Insurance

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Everyone who drives a car needs auto insurance. One common type of auto insurance is liability-only auto insurance, which provides essential coverage. At MSM Insurance Agency Inc., servicing Kearny, NJ, we are always ready to answer any questions you may have about liability-only auto insurance. Here’s what you need to understand.

What Is Liability Only Auto Insurance?

Liability-only auto insurance is coverage that pays for repair work on the other driver’s car if you cause an auto accident. It does not cover repairs to your vehicle or pay for roadside assistance.

Who Needs Liability-Only Auto Insurance?

Auto insurance is a requirement in nearly every state. Liability insurance is the most basic type of insurance that satisfies these legal requirements for driving on the road. If you have an auto loan, however, you may be required to opt for full-coverage auto insurance.

Liability insurance will likely fulfill your state’s requirements if you own your car outright. To understand exactly how much insurance coverage you need to drive legally in your state, it’s helpful to speak with an insurance agent.

What’s the Difference Between Liability-Only Auto Insurance and Full Coverage?

Liability-only auto insurance only covers the repair costs for the other vehicle if you cause an accident. Full coverage auto insurance varies, but it usually pays for repairs to your vehicle under various circumstances and can replace your vehicle if it’s destroyed by a fire or stolen.

Are you interested in learning more about liability-only or full-coverage auto insurance? At MSM Insurance Agency Inc., servicing Kearny, NJ, our team is more than ready to assist you. Call us today to speak with one of our agents.

How to safeguard your home and family as we enter hurricane season

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Residents living on the East Coast of the United States are well aware of the devastation that a hurricane can cause. Even a hurricane making landfall a considerable distance away can cause significant damage from wind, rain, and storm surges. We operate as independent insurance agents at MSM Insurance Agency, Inc. in Kearny, NJ. This setup allows us to work not for one particular carrier but for our customers, offering them more choices at the best available rates.

The first measure to safeguard your home is ensuring you have the coverage you need. You may need an endorsement for high winds, and note that standard homeowner’s insurance policies never cover flooding. We at MSM Insurance Agency can help ensure that you have the protection you need. Read your home insurance policy to ascertain that it protects you to the degree you need.

You should plan an evacuation route in advance. In fact, having more than one route is advisable in case some roads are impassible. Ensure that everyone in the family knows the escape plan. Keep all your important documents in one place and in a waterproof container. This way, you can grab all essential documents without wasting time in an emergency. Ensure to include your home insurance policy information.

If you decide to weather the storm at home, make sure you have a generator and enough fuel to keep it running. Depending on its size, a generator can keep your frozen food supplies from defrosting, help maintain a comfortable room temperature and power essential appliances. Stock up on battery-operated lights and store plenty of drinking water and water for flushing toilets.

When you know a storm is on the way, ensure all your devices are fully charged.

If you have home insurance questions or need to review your coverage, contact MSM Insurance Agency, Inc. in Kearny, NJ.

Commercial Trucking Insurance Add-Ons

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Add-on insurance provides the ultimate level of protection for your fleet of commercial trucks. Let’s explore some unique circumstances that could benefit from add-on coverage.

Downtime

Downtime can restrict how much you use one or more of your commercial trucks to haul goods. This reduced amount of usage will likely impact your business’s income.

Downtime coverage provides protection when one or more of your trucks are out of commission. For instance, downtime coverage will compensate your business if a vehicle is undergoing service. This type of coverage allows you to sustain consistent income levels.

Rental Reimbursement

If one of your trucks requires servicing, it could disrupt your regular operations. Renting a replacement vehicle during this period will be an additional cost.

This is where rental reimbursement insurance becomes beneficial. This insurance covers the cost of renting a vehicle. If the cost of renting a vehicle doesn’t align with your budget, acquiring rental reimbursement coverage would be advantageous.

Non-Owned Automotive Coverage

In instances where you do not have access to your entire fleet, you may be required to use a personal vehicle. Excessive usage can lead to frequent automotive repairs.

Purchasing non-owned automotive coverage will compensate you for out-of-pocket costs incurred while using a personal vehicle for business operations.

More Information

Gain further insights about commercial insurance and additional add-ons by scheduling a consultation with one of our MSM Insurance Agency Inc. representatives. An agent serving the Kearny, NJ, region is ready to meet with you.

A Brief History of Motorcycles

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Motorcycles have been around for a long time and have a rich history. The motorcycles people ride today are faster than ever but can be safer with proper handling. Brakes, safety gear, and many other things have improved over the years. It’s still important, however, to take out the appropriate motorcycle insurance policy. Contact MSM Insurance Agency Inc., serving Kearny, NJ, to explore policy options.

Motorcycles Race Into History

The first motorcycle hit the road in Germany in 1885. The so-called Daimler Reitwagen was designed and built by Gottlieb Daimler and Wilhelm Maybach. Back then, cars were also starting to prowl the streets, and motorcycle and auto insurance policies were unheard of. Other insurance policies were available for specific properties, however. It’s not known when or who took out the first motorcycle insurance plan, but the first car insurance plan was issued in 1897 in Ohio, and from there, auto policies spread relatively quickly.

Motorcycles, too, enjoyed strong growth early on. They became especially popular and important in the First World War, used to ferry messages and for other military tasks. After the war, motorcycles remained common. Motorsports became more popular as well, with more people racing bikes and cars. During the Great Depression, some motorcycle companies went out of business, and the industry consolidated.

Massachusetts became the first state to require auto insurance in 1927. After World War II, more and more states began to require car insurance. However, this didn’t necessarily mean that motorcycle insurance was required. To this day, some states that require car insurance don’t require motorcycle insurance.

Further, while gasoline engines dominated the first century of motorcycles, many now rely on electric engines. In the future, motorbikes will likely remain popular as a hobby and a form of transportation. However, if you operate a motorcycle, you should take out a motorcycle insurance policy. If you’d like to work with a motorcycle insurance agency that serves Kearny, NJ, you should contact MSM Insurance Agency Inc. immediately.

Environmental Impact Investing: Aligning Life Insurance with Sustainable Financial Goals

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Environmental impact investing is gaining momentum as investors seek to align financial goals with positive environmental outcomes. Life insurance providers around Kearny, NJ also embrace sustainable finance principles by offering innovative products and strategies that support environmental sustainability while meeting policyholders’ protection needs.

Green Insurance Products

Life insurance companies are introducing green products that promote environmental stewardship and sustainability. These products may include eco-friendly features such as carbon-neutral operations, paperless processes, and investments in renewable energy projects. 

ESG Integration in Investment Portfolios

Environmental, social, and governance (ESG) considerations are increasingly integrated into life insurance investment portfolios. Insurers prioritize investments in ESG-focused assets, such as green bonds, sustainable infrastructure projects, and socially responsible companies. 

Climate Resilience and Risk Management

Climate change poses significant risks to life insurance providers due to the increased frequency of natural disasters and extreme weather events. Insurers are enhancing climate resilience by incorporating climate risk assessments into underwriting practices and offering specialized products that address climate-related risks. By proactively managing climate risks, insurers can protect policyholders and strengthen their financial stability.

Customer Engagement and Education

Life insurance companies are engaging customers through educational campaigns about sustainable finance. By empowering policyholders with knowledge about ESG principles and the environmental impact of insurance decisions, insurers encourage informed choices that align with sustainability goals. Customer feedback and preferences also influence the development of green insurance products and services.

Collaborative Partnerships and Industry Leadership

Collaborative partnerships between life insurance providers, regulators, and sustainability experts drive industry-wide efforts to advance environmental impact investing. Insurers participate in industry forums, initiatives, and standards development to promote best practices and innovation in sustainable finance. 

Let MSM Insurance Agency Inc. Inform You

MSM Insurance Agency Inc. helps answer life insurance questions and serves the Kearny, NJ, region. Call us today. 

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.