ARE YOU HOT OR COLD ON YOUR BUSINESS INSURANCE?

We have a lot in common. We’re both local businesses that protect against external conditions. You use heating and air conditioning units to provide a stable living or working environment for your customers. We do something similar, but with insurance policies instead.

Helping contractors to find the right liability insurance, workers compensation, vehicle policy, bonds, and more at competitive premiums is our specialty. Plus, we understand that the lower your premiums are, the lower your job bids can be. This means that you can focus your attention on finding and keeping new customers instead of having to worry about your insurance.

Let’s talk about better protecting your operation. Call (973) 340-9100 or visit our website at www.acmarmo.com for a fast, free, second opinion.

We’ll know instantly if we’re right for each other.

A.C. Marmo & Sons, Inc. is a leader in providing NJ contractors insurance.

Bad Economy, More Life Insurance?

During a recession, conventional wisdom tells you to save, save, and save some more. This means cutting costs and saving every penny to pay down your debts and pad your savings. While this is sound advice — and advice most Americans embrace every day — it’s not advice that affects how most Americans approach their life insurance.

In a 2009 survey, the LIFE Foundation found that in contrast to this savings trend, most Americans are spending more now on life insurance than ever before. In fact, of the 1,000 people surveyed, only 9% saw a decreased need for life coverage. A whopping 56% “say the economic downturn has made it more important to have life insurance.” While this may seem counter-intuitive, it reflects a growing awareness that when times get tough, people want more assurances their families are going to be taken care of.

Rather than cut back, 71% of the survey participants left their life insurance coverage untouched. Almost 39% increased their coverage and 28% were planning on buying life insurance for the first time! This can be attributed to the fact that life insurance has been a traditional hedge against the unforeseen and the unexpected. As the economic climate becomes more and more turbulent, Americans need a financial shelter they can trust.

Marvin Feldman, president and CEO of the LIFE Foundation, put it best when he said, “Americans realize that life insurance can be the safety net that catches their family when tragedy strikes.” The key is making sure the net is intact and inclusive. If you haven’t reviewed your policy lately — or if you’re interested in expanding your coverage — let’s schedule a call to make sure your needs and concerns are being addressed.

A.C. Marmo and Sons, Inc. has provided insurance coverage for individuals, families, and businesses in New Jersey since 1929.

NJ Crossword: Retired Yankee Numbers

The baseball season for the Yankees and Mets is in full swing. This week’s puzzle reminds us of some of the great players who have played for the Yankees. The clues are the numbers worn on the uniforms. There is one number retired by the Yankees for a player from another team. Can you guess it?

Enjoy.

Crossword Puzzle: Retired Yankee Numbers

A.C. Marmo and Sons is a leader among the insurance agencies that provide small business insurance in New Jersey.

This Week’s NJ Crossword: New Jersey Hot Dog Hot Spots

Crossword Puzzle: NJ Hot Dog Hotspots

There are many Garden State residents who consider New Jersey to be the hot dog capital of the U.S. We even have fans who conduct tours to visit these hot spots. Some names, but surely not all, of the favorite places appear in this week’s puzzle. The clues are the towns where the hot dog hot spots operate. See how many eating places you can name. Maybe next time we will be able to include other popular vendors.

A.C. Marmo and Sons is a leader among the insurance agencies that provide business insurance for restaurants in New Jersey.

Get a Quote: For This Year’s Graduates

“I dreamed my painting, and then I painted my dream.” Vincent Van Gogh

The staff at A.C. Marmo insurance agency extends its best wishes for all the graduates ready to discover and attain their dreams.

NJ Hall of Fame Inductees 2011

Click on the “NJ Hall of Fame 2011 crossword puzzle game” link below

http://www.proprofs.com/games/crossword/swf/crossword_w.swf

NJ Hall of Fame 2011 crossword puzzle game » make crossword

Springtime Tips to Protect Your Home

Easy-to-Implement Tips to Protect Your Home

You have anxiously awaited that one perfect spring day. After what may have been chilly nights and cloudy skies, the warming rays of the sun are a much anticipated gift.

But no matter where you are located in the country, the onset of spring can bring with it a slew of problems-if the necessary precautions have not been taken. Nothing is more frustrating than dealing with a wet basement and household water damage.

Whether it’s the winter snow that continues to melt or the extra spring precipitation that begins, the first signs of water damage can appear. They may seem trivial at first – a few water stains on your bathroom ceiling or a leak under the kitchen sink – but with continued neglect and seasonable rain, those small issues can turn into big problems.

Recognizing the causes of water damage and where the leaks comes from, can help you prevent damages to your home, electronics and treasured personal possessions.

The five main causes of water damage include:

Surface water running down primary foundation walls
Broken pipes & hoses – burst water mains, old pipes, even ice maker hoses that fail!
Accidents – overflowing bathtubs and broken toilets
Flash flooding and excessive rain
Sewer back up – tree roots are common violators; invading and clogging drain lines!

There are many ways you can take a proactive approach and prevent water damage from wreaking havoc in your home. Start by evaluating the interior and exterior of your property and determine any possible sources of water damage; then try utilizing some of these, easily maintainable solutions:

Keep your gutters free and clear of any debris. Create a maintenance plan for yourself; make sure you clean away decaying leaves and trim surrounding shrubbery.

Periodically check for leaks under the sink where the hoses connect to the water supply

If your refrigerator has a built in icemaker, check the hose connection and be aware of any wet spots on the floor- that may be a sign of a icemaker line that’s about to burst!

Replace any deteriorating caulk around sinks

Check washing machine hoses regularly for any cracking, bulging or fraying – also be aware of any leaks around the hose ends.

All of us at AC Marmo And Sons hope you enjoy the spring weather, and while you’re out and about doing some spring cleaning, stay up to date on these important water maintenance needs!

If you have any questions about homeowners insurance in NJ, we welcome your call.