Richards Associates Inc.

Richards Associates Inc. All Forms of Insurance
www.richardsassoc.com

Working with an independent insurance agent gives you access to multiple insurance companies, allowing you to compare co...
06/02/2026

Working with an independent insurance agent gives you access to multiple insurance companies, allowing you to compare coverage options and pricing in one place instead of shopping around on your own.

Wellness 101: Laughter can also stimulate circulation and aid muscle relaxation, both of which can help reduce some of t...
06/01/2026

Wellness 101: Laughter can also stimulate circulation and aid muscle relaxation, both of which can help reduce some of the physical symptoms of stress.

Fast Fact: Many clients, landlords, or vendors require proof of Professional Liability coverage before signing contracts...
05/29/2026

Fast Fact: Many clients, landlords, or vendors require proof of Professional Liability coverage before signing contracts.

Reminder, the “Waiting period: is the period of time that an employer makes a new employee wait before he or she becomes...
05/27/2026

Reminder, the “Waiting period: is the period of time that an employer makes a new employee wait before he or she becomes eligible for coverage under the company's health plan. Also, the period of time beginning with a policy's effective date during which a health plan may not pay benefits for certain pre-existing conditions.

Medicare Part B premiums are set each year by the federal government and most people pay the same standard rate. Some hi...
05/25/2026

Medicare Part B premiums are set each year by the federal government and most people pay the same standard rate. Some high earners (fewer than 5%) pay an income-related adjustment in addition to the standard Part B premium.

Enjoy Memorial Day Weekend!“If everything seems to be under control, you’re not going fast enough.”
05/22/2026

Enjoy Memorial Day Weekend!
“If everything seems to be under control, you’re not going fast enough.”

Fast Fact: The “Cash Surrender Value: is the cash amount you would get if you voluntarily terminate coverage before a po...
05/21/2026

Fast Fact: The “Cash Surrender Value: is the cash amount you would get if you voluntarily terminate coverage before a policy becomes payable by death or maturity. The amount is the cash value stated in the policy, minus a surrender charge, any outstanding loans and interest on those loans. The cash value represents the savings component of a life insurance policy, since you can access the money relatively quickly if you need to.

Reminder: Medicare isn’t mandatory, but delaying enrollment may come with penalty fees. Therefore, it is wise to explore...
05/20/2026

Reminder: Medicare isn’t mandatory, but delaying enrollment may come with penalty fees. Therefore, it is wise to explore all your options before postponing coverage.

Your health insurance covers more than doctor visits. Many plans include preventive care such as annual wellness exams, ...
05/19/2026

Your health insurance covers more than doctor visits. Many plans include preventive care such as annual wellness exams, screenings, and vaccines at little or no cost. Taking advantage of these benefits can help you stay healthier and catch problems early.

Business Insurance 101: Reviewing your coverage each year is important, especially if your business has grown, added emp...
05/18/2026

Business Insurance 101: Reviewing your coverage each year is important, especially if your business has grown, added employees, or expanded services.

Address

1126 Clifton Avenue
Clifton, NJ
07013

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4:30pm

Website

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