December, 2018

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Insurance That Works Hard as You Do

northstar insurance company

You have worked hard to achieve all that you have. Unfortunately, incidents and emergencies can happen that can leave you stranded. Thankfully, the NorthStar Insurance Company is here to help you through whatever comes your way.

NorthStar is proud to offer an array of services for you. We serve your community by creating business or personal insurance packages, surety bonding, employee benefits and risk management services.

Affordable Business Insurance

Over our two decades of history, we have served a variety of industries. We are qualified to cover real estate, manufacturers, tech, hospitality, healthcare, construction, landscapers, contractors and many more.

We can work with you to build a package that suits your industry’s needs. For example we provide:

  • Property
  • Auto/Fleet
  • Inland Marine
  • Pollution Liability
  • Errors & Omissions
  • Product Liability
  • General Liability
  • Employment Practices Liability

NorthStar Insurance Company also offers professional liability, environmental, surety bonds and other relevant coverages for businesses.

Reliable Personal Insurance

We also work to protect you and your family. Our company is happy to offer homeowners, auto, life, disability, watercraft, personal property and personal umbrella insurance.

Our knowledgeable agents know the ins and outs of the industry. They are eager to help you succeed in your personal and financial goals. Be sure to contact our agency today to start building a package that works with your budget.

Why Custom Staffing Firm Insurance is Crucial

Medical staffing firms employ highly trained staff and provide healthcare facilities with them. The medical staff may specialize in a variety of occupations. Physical therapists, medical technicians, nurses and other staff are employed on a temporary or permanent basis. As a medical staffing firm, you still need insurance.

In fact, it’s crucial to have customizable medical staffing firm insurance.

Liability Claims

If a member of your staff is in the middle of a negligence suit, this usually will impact your company, rather than the facility. If there are any claims of malpractice or negligence, you have to be ready to deal with it. Depending on the type of medical staff you employ, you need to consider liability coverage.

Property Damage

Whether it’s your property that is damaged or equipment that travels with your staff, you aren’t always going to have the money to make repairs or cover damages. Customizing your insurance to fit the equipment and property you own is imperative to ensuring that you don’t break your business replacing any damaged or lost property.

Keep in mind that no matter what type of business you run, insurance is always crucial. It protects you and your staff. Medical staffing firm insurance is particularly important because there are very specific risks involved. Tailoring your insurance to your business is crucial.

The Best Practices for Vendors from Employment Agencies

vendor management services

A vendor is categorized as anybody who provides services or goods. For an employment agency, vendors are the backbone of the agency providing qualified individuals to clients looking to fill a vacant spot on their teams. The types of skills sought after by these businesses vary, but thanks to vendor management services, businesses can more easily find individuals with the talents needed to help them succeed.

Staying Organized

With careful planning, organized business operations and the help of modern-day technological aids, employment agencies have many tools to succeed. Using these strategies can help ensure that as soon as a client needs a vacancy filled, they are able to easily contact the agency, who then finds the best match, contacts that individual and gets all necessary contracts squared away. These are key practices that can help lead to an agency’s success. Some of these tools include:

  • Up-to-date skills assessment programs for candidates
  • Efficient programs that can store, retrieve and relay information between agents, clients and employee candidates
  • Advertising tools that recruit new talent and attract potential clients

Protections for all Parties

Vendor management services can be a tricky field to navigate. Because employees and contractors move back and forth between agency and the client’s location, having insurance tailored especially to a business’s special needs and exposures can help provide confidence that parties involved are covered during the multiple steps of the recruitment and hiring process. Discuss options with an insurance agent specializing in employment services to explore your options.

3 Insurance Needs for Interstate Truckers

interstate trucking liability program

Transporting goods across state lines is regulated by the Federal Motor Carrier Safety Administration (FMCSA). The FMCSA requires truckers to carry certain insurance when driving between different states. To ensure you have the coverage you need, look into an interstate trucking liability program.

Physical Damage

Accidents often cause physical damage to the truck that needs to be repaired or replaced. Most finance companies require physical damage insurance. Even if you own the truck outright, the insurance is a good idea to maintain.


Many limits for cargo hover around $100,000 but can change depending on what you haul. The FMCSA doesn’t require it, but damaged goods in your possession due to an accident can be expensive to replace. This insurance helps carry the burden of that cost.


Bobtail insurance may not be needed if you have primary auto liability insurance and are an owner-operator. However, if you lease the truck, bobtail insurance may be required by the lease company. Check the lease agreement for your specific liabilities.

When the trucker is at fault, you need the right interstate trucking liability program to help you sort out the mess. Not having the insurance can be a costly expense in the event of an accident. Liability insurance protects you and your truck while keeping you in compliance with FMCSA.

Protecting Your Cargo

Protecting Your Cargo

Those in the business of operating motor trucks or any of processes involved with transporting goods from one place to another, provide a much-needed service. Oftentimes, these goods are time-sensitive, costly and vital to the business of the client. With these valuables in your possession, you may be wondering how to get cargo insurance to protect against any unforeseen circumstances. Luckily, with customized plans available, you can get the right coverage for your needs.

Put Your Worries at Ease

Even for the most experienced professional, it is still possible for mishaps to occur at the multiple stages of transport. Having cargo insurance is a practical investment in the following scenarios:

  • The value of the cargo is higher than the limits on a typical plan
  • The type of freight being transferred needs specialized coverage
  • The cargo needs coverage while being in stored or warehoused

Customized Options

You may find that the type of cargo insurance available and their costs will vary on a variety of factors. To avoid any potential disputes among the shipper, transporter and the receiver of goods, it is important to be aware of what contract terms cover and what might need to be supplemented with additional insurance. Speak to an agent today to discuss options on how to get cargo insurance that fits your needs.

Comprehensive Coverage a Must for Fuel Dealers

propane dealers

Due to the nature of the business, propane dealers are exposed to a greater than normal number of liability risks. In order to ensure total protection, it is essential that fuel suppliers obtain broad-based insurance coverage.

The Basics and More

When considering insurance coverage, it is important to consult with an agent who is experienced in dealing with a niche industry like the fuel supply business. Under expert guidance, insurance can be specialized to fit the specific needs of the company in question.

Most packages of insurance for propane dealers include general liability, property, crime and inland marine coverage (which protects against the loss of property while in transit). Within this package, businesses have the option of adding additional endorsements or stand-alone policies. Typically, a comprehensive bundle of insurance may include the following:

  • Pollution and umbrella liability for potential environmental risks encountered by handling and distributing fuel
  • Mobile and fixed equipment coverage for pipes, fixtures and tank barns
  • Business income for possible work stoppages due to fuel shortages or natural disasters
  • Business auto/truck for vehicles used for delivery or any other business activity
  • Workers compensation coverage to satisfy the legal requirement of almost every state for companies with at least one employee
  • Employee benefits insurance for protection in case of errors or omissions in the administration of employee benefits plans

Consider your coverage options. Contact an agent who can design a plan tailor-made for propane dealers.

Basic Insurance Coverage For Medical Staffing Firms

Medical staffing firms operate in a high-risk environment. With the possibility of facing a lawsuit lurking at every turn, having the right amount of insurance coverage is of utmost importance. As you search the internet for various insurance programs for medical staffing, here are the most important coverages that you’ll want to include in your policy.

Professional Liability Insurance

Also known as malpractice insurance, professional liability insurance is required in the medical field. It protects your firm in case a lawsuit is brought against one of your contractors claiming improper treatment of some sort. Claims covered by professional liability can range from improperly administering a patient’s medication to not reporting bed sores.

General Liability Insurance

General liability is the broadest form of liability insurance. It protects your firm in case a third party suffers bodily injury or property damage because of your business. One of the more likely scenarios for medical staffing firms is someone slipping and falling on your premises. General liability coverage can also be used to respond to allegations of libel and slander.

Workers’ Compensation Insurance

Workers’ compensation is required in 49 states and it’s used to cover expenses related to on-the-job injuries to employees and contractors. All legitimate insurance programs for medical staffing firms are going to include workers’ compensation because facilities aren’t going to accept your employees without the staffing firm having such coverage.

Other coverages can be added to your policy depending on your needs. An experienced agent can help you customize your policy to appropriately cover all your bases.

Protect Your Employees Beyond Workers Compensation

New Jersey workers compensation

Companies operating in the state of New Jersey are required by law to cover their employees with a workers compensation policy. Even if your company has all the safety protocols in place, eventually someone may file a claim. Beyond New Jersey workers compensation, FMLA and other options may be available for your injured or ill employees.

First Steps

Once you know that your employee is injured, your office can start the claims process with the insurance company. With the aid of your insurance agent, you can select a specific medical provider to send your employee to for treatment. The insurance company should handle most of the claim paperwork and follow-up with the employee following the accident.

Beyond Insurance

While New Jersey workers compensation offers monetary benefits for the injured employee, it does not guarantee their job while they recover from that injury or illness. Discussing the options open to your employee can help them fully recover from the accident or illness.

Looking beyond the benefits of New Jersey workers compensation to help your injured or ill employees can have long reaching benefits for your company. Employees who feel well taken care of and safe are less likely to reinjure themselves and take a greater pride in their work. Good employees are often hard to come by, protect yours as much as possible.