Kaliff Insurance

10/14/2026

❌ Myth: Life insurance only provides a death benefit.

Depending on the policy, some permanent life insurance may also accumulate cash value that can potentially be accessed during your lifetime.

Understanding the differences between term and permanent life insurance can help individuals make more informed decisions about their long-term financial goals.

10/13/2026

We’re proud to welcome Arctic Risk Specialists (ARS) of Toms River, NJ, to the World family!

Founded in 2014, ARS specializes in commercial insurance for contractors, with a unique focus on the snow and ice management industry. Their understanding of the risks these businesses face helps clients find coverage that protects their operations.

We're pleased to welcome this experienced team and continue strengthening our presence throughout New Jersey.

🔗 Read the full announcement: https://hubs.la/Q04zNd100

10/13/2026

What's driving health care costs higher heading into 2027? 📈

In our latest article, John Cicchelli, Head of Employee Benefits, explores five key forces behind rising health care costs and practical areas employers can focus on to better manage their benefits programs.

👇 Article in the comments.

10/12/2026

Did your health insurance carrier issue an MLR rebate?

Before deciding how the funds should be used, employers should consider:
✔️ Whether any portion is a plan asset
✔️ Which participants should benefit
✔️ Available allocation options
✔️ Tax implications
✔️ Documentation requirements

An MLR rebate may seem straightforward, but fiduciary, compliance, and administrative considerations can make the process more complex than expected.

🔗 Our latest alert outlines key considerations and recommended actions for employers: https://hubs.la/Q04zNrPn0

10/12/2026

Cyber Insurance FAQ: Does commercial property insurance cover cyber risks❓

Many businesses assume that because they have commercial property insurance, they're protected from cyber-related losses.

However, commercial property insurance and cyber insurance are designed to address different risks.

While commercial property insurance may help cover damage to physical computer equipment, cyber insurance is generally designed to address losses related to data, systems, and cyber incidents.

Understanding the difference can help businesses identify potential gaps in protection.

10/09/2026

What does a quieter-than-expected hurricane season mean for property owners?

In a recent InsuranceNewsNet article, Duane Heard shares why fewer storms don't necessarily mean less risk. Even during a quieter season, reviewing coverage, deductibles, and potential gaps can help homeowners better understand their exposure before the next storm arrives.

Read the full article: https://hubs.la/Q04zGy510

10/09/2026

One injury can impact more than a season.

For some athletes, it can impact future opportunities, earning potential, and long-term goals.

As fall sports seasons are underway, it's a reminder that managing risk isn't just about performance on the field. It's also about protecting what's ahead.

Learn more about NIL insurance and the role it can play in helping student-athletes, colleges, and collectives manage financial risk:

https://hubs.ly/Q04zchJC0

10/08/2026

Another great team is joining World! Please help us welcome American Insurance Agency of Hingham, MA.

Since 1991, American Insurance has provided tailored insurance solutions to businesses across a wide range of industries, including construction, manufacturing, hospitality, real estate, entertainment, and more. Their team understands that every industry brings its own risks and works closely with clients to find coverage that fits their business needs.

We’re proud to welcome this experienced team and continue strengthening our presence in the greater Boston area.

🔗 Learn more about this partnership: https://hubs.la/Q04zxD2t0

10/08/2026

Workplace injuries can impact more than medical costs.

They can affect productivity, staffing, morale, and the overall employee experience.

That's why workplace safety, return-to-work planning, and claims management remain important components of a strong workers' compensation program.

10/07/2026

Fall road conditions don't change overnight. They change one day at a time.

Shorter days, wet leaves, fog, rain, and rapidly changing weather can all affect visibility, traction, and stopping distance.

For transportation businesses, now is a good time to reinforce seasonal safety driving practices, review vehicle maintenance, and make sure drivers are prepared for the months ahead.

A strong safety culture starts before conditions become challenging.

09/11/2022

07/25/2021

After 104 years ,our new affiliation with World Insurance and joining the Scottish American Insurance Group of Companies makes Kaliff the most comprehensive Insurance Agency in the world of outdoor amusement and entertainment.
Mitch Kaliff heads up the most knowledgeable team of professionals in the world.

Event and Amusement Coverages are not simply a portion of a myriad of categories in the Kaliff portfolio of lines. It’s our sole business! Our clients have access to our experts 24/7/365 with a century of real world, “Boots on the Ground” industry experience. Every Kaliff client receives unriv...

11/08/2019

Kaliff is a Coverholder Lloyd’s of London

09/24/2019

09/24/2019

Making things better by training the best. Congratulations 🎉

Looking to take your convention to the next level??!Talk to us about signing up for CFEE advanced classes!

Thank you Kaliff Insurance for helping us grow into better event organizers!

05/25/2019

Kaliff Insurance offices will be closed Monday, May27 in honor of Memorial Day.