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Every person and family should have adequate insurance coverage, with these policies at a minimum: Business owners and people with large estates or other unique circumstances will often require additional insurance coverages. Insurance is a vital part of a financial plan, even if some view it as a necessary evil. The truth is that insurance, …
Toxic torts are a type of personal injury. These injuries occur after use of certain products which contain toxic chemicals, materials, or even radiation. Toxic torts cases often arise from a person’s exposure while working. How to Prove a Toxic Tort Claim? Even if you were exposed to toxic chemicals at work, you have to …
Even without estate planning, there are laws in place for married couples to distribute property and assets to either the other spouse, children, or parents. However, there are few laws for unmarried couples, even if they have lived together for a lengthy period of time. That is why estate planning is imperative for elderly, unmarried …
If you believe your insurance claim was incorrectly denied, hiring an experienced insurance attorney can improve your chances of successfully overturning the company’s decision. In fact, hiring an attorney even before filing the initial claim greatly increases the likelihood your claim will be approved. Insurance companies employ different tactics based on whether the claimant has …
Bad air quality is a serious health threat both for short and long-term issues. Bad air can irritate your eyes, skin, and cause respiratory discomfort, especially if you have asthma. Long term exposure to bad air quality can reduce your lung function and increase your risk of lung cancer, heart disease, and chronic obstructive pulmonary …
All contracts must be made in good faith with the intent to do as you agreed. An insurance policy is a contract between the buyer and the insurance underwriter. When valid claims are filed, the insurer should honor them and pay the policyholder in a reasonably prompt manner. For example, when you buy an auto …
A power of attorney (“POA”) is a legal document that you can use to let another trusted person make decisions on your behalf when you cannot make those decisions for yourself. Under a POA for yourself, you are called the “principal” and the person you are giving the power to is called your “agent.” There …
Whether you own a small business or are on the board of directors for a large corporation, your business needs insurance protection. Insurance protects against a variety of perils. Many perils could cause partial or complete destruction of your business in a number of ways. For example, a business might burn down which destroys all …
If you created an estate plan or will, it is important to review and update them regularly. If you have not planned for your estate or any other end-of-life plans, now is the time to do so. According to a Gallup poll in 2021, over 54 percent of American adults do not have a will. …
Floods, blizzards, hurricanes, tornadoes can put homeowners and others at risk. If you own a home and have a homeowners insurance policy, you might think that you are fully covered, but that is not always true. How do insurance companies handle reimbursement for damages from natural disasters? Checking over your homeowners insurance is key to …
Herold Law, P.A., provides a full range of legal services for businesses in New Jersey, New York, and Florida. To speak with a legal professional experienced in your area of need, call 908-679-5011 or complete our simple intake form on our website to schedule a consultation. While located in Warren, New Jersey for the convenience of our New Jersey clients, we also serve clients in New York and Florida.
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