NJ Group Services
NJ Group Services
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Latest posts
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How Your Employees Make Your Business More Hackable — Cybersecurity Tips
Small businesses often assume they’re too small to be targeted by cybercriminals; but current data paints a different picture. According to the 2025 Data Breach Investigations Report, small and mid-sized...
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Responding to Cyber Incidents: A Practical Guide to the Cyber Insurance Claims Process
As cyber threats evolve in complexity and frequency, organizations are facing greater risks. Ranging from data breaches and ransomware attacks to operational disruptions. According to Cybersecurity Ventures, the global cost...
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Employment Practices Liability Insurance (EPLI) Claim Scenarios
Disability Discrimination: Incident: An employee on medical leave for an illness returned to work but was dissatisfied with the accommodations made for his condition. The employee filed a lawsuit alleging...
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10 Self-Funding Considerations for Employers
A Guide to Making Informed Decisions As the landscape of employee health care evolves, many employers are turning to self-funding as a way to manage their healthcare costs. According to...
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Understanding the Different Types of Life Insurance: Examples and Uses
When it comes to life insurance, choosing the right type for your financial situation can be a daunting task. Each life insurance policy is designed to meet different needs, from...
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Understanding the Entity Buy-Sell Agreement
A Key to Business Continuity In the life cycle of any small business, there will inevitably come a time when one or more of the owners faces a major life...
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Navigating Inflation – How Structured Insurance Policies Benefit Employers and their Employees
Introduction Inflationary economies and rising cost trends can present significant challenges for businesses, affecting their profitability and ability to retain employees. In such times, insurance policies emerge as invaluable tools...
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Is Self-Insurance a Viable Option for Small Businesses?
With the inflation rates soaring, medical costs have been hurting small businesses the most. Businesses are always looking for ways to combat costs, without negatively impacting health plan benefits offered to their employees. There is no one size fits all approach to lowering…