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Navigating the Road: The Ultimate Guide to Transportation Insurance

Transportation insurance is crucial for protecting your trucking business from potential financial losses. Accidents, theft, cargo damage, and other unforeseen events can result in significant expenses that can jeopardize the financial stability of your business. Having the right insurance coverage can provide peace of mind and protect your company from the financial impact of these…

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The Difference Between Mechanical Breakdown Insurance and Extended Warranty

The Difference Between Mechanical Breakdown Insurance and Extended Warranty
Mechanical Breakdown Insurance (MBI) and Extended Car Warranties both provide coverage for vehicle repair costs beyond the manufacturer’s warranty. MBI typically covers mechanical and electrical breakdowns, while extended warranties may also include coverage for wear and tear components. Cost-wise, MBI is often more affordable as it is usually offered as an add-on to your existing…

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Tips for Communicating With an Insurance Adjuster After a Slip and Fall Accident

Slip and Fall Accident NJ
What is a Slip and Fall Accident? A slip and fall accident is an incident in which a person slips, trips, or falls on someone else’s property as a result of a hazardous condition, such as a wet floor, uneven surface, or debris. These accidents can occur in various settings, including public places, private residences,…

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Elements of a Fleet Safety Program

When you operate a fleet of vehicles, you have to worry about drivers having accidents. These claims can be high, about twice the cost of other workplace injuries. So, you want to have a dedicated fleet safety program. The fleet safety program outlines your workplace’s policies and procedures, which can help your employees avoid accidents.…

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Understanding Commercial Package Insurance Policies

Insurance is one of the best ways to protect your business. You get financial protection from all catastrophes for a small, regular investment. However, buying commercial insurance individually can be prohibitively expensive. That is why asking about commercial package policies (CPP) is essential. A CPP offers financial savings and lets you get enough insurance to…

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Non-Trucking Liability – Misunderstood Insurance Coverages

You know you need different types of insurance for your truck. However, if you are like many owner-operators, you might not understand non-trucking liability (NTL) insurance. Capstone can help you understand NTL and its importance to your coverage. NTL is insurance designed explicitly for owner-operators who are working as independent contractors. It is not for…

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The Importance of Business Insurance

Insurance, Financial Services, Toms River, New Jersey, Capstone
When you are a business owner, protecting your business is critical. Your business is your business, so you want to ensure you protect it. In order to protect your business, however, you need business insurance due to its importance. Why Do You Need Business Insurance As a business owner, you can experience several types of…

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What to Know About the Insurance Claim Process

Insurance Policy
Insurance claims can be confusing and difficult to navigate. You may often find that you don’t even know what you don’t know when it comes to the insurance claim process. So, let’s demystify as much as we can and make the insurance claim process easy for you and anyone else involved. Insurance Claims are Complicated…

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Good Questions to Ask Your Insurance Agent

Financial Services, Toms River, New Jersey, Capstone
Owning or managing a fleet is hard work. Keeping the fleet running smoothly is even harder work. But we know you, we know you want to provide the best service to your customers, while also operating an efficient, safe, and profitable fleet. But your insurance premiums are super costly. And they keep rising, according to…

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The Importance of Worker’s Compensation Insurance for Small Businesses

Financial Services NJ
Insurance is a great way to protect your business. For small businesses, it can also be a great way to protect your personal assets. However, you do not want to have too much insurance, because then you waste money in premiums. So, many small businesses wonder if they should have worker’s compensation insurance. The answer…

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