Roselli Brokerage Group

09/24/2025

RBG is proud to announce we are now licensed in California and South Carolina

04/24/2025

RBG is proud to announce we are now licensed in Georgia

We're an insurance brokerage with a large variety of policy options to meet your needs either person

05/17/2023

A question everyone is asking

Annual homeowners insurance premiums can increase. Learn what might be behind increasing homeowners insurance and what you can do to keep your homeowners insurance in check.

05/17/2023

A Good Read

Learn about factors affecting the market, ways to help lower your auto insurance rate and explain how optional coverage packages could help reduce out of pocket expenses in the event of a claim.

02/09/2023

Claim costs in bodily injury cases are increasing, and social inflation is a major factor contributing to the rise. But what is social inflation, and why is it having this impact?

What Is Social Inflation?
Social inflation refers to the increase in claim severity above what could be anticipated under the usual scope of economic inflation and claim trends. Below are the top four factors fueling social inflation and the rise in claim costs that follows.

Four Factors Contributing to Social Inflation
1. Desensitization to Large Verdicts and Media Impact
icon of a radio or cell tower
Excessive awards and settlements are becoming less shocking to the public, due in part to highly publicized “nuclear verdicts.” From 2015 to 2020, the median cost of a jury award over $10 million increased by 35%, from $20 million to $27 million.1 Today’s increased access to information and the amplification of negative public sentiment towards large companies via social media is contributing to shifting societal norms. People have simply become numb to numbers, whether it be publicity around lottery prizes or celebrity salaries. Ultimately, this ongoing desensitization to the value of money helps drive up jury awards in future cases.

2. Negative Public Sentiment and Corporate Accountability
icon of a human figure with a question mark over the facial area
Sentiment toward big corporations has been on the decline,2 and 67% of jurors believe companies knowingly sacrifice safety to make more profit.3 At the same time, most jurors (89%) believe companies should always have to do more than just meet government safety standards. Furthermore, 88% of jurors think that companies should take all precautions, no matter how impractical or costly, to ensure the safety of their products.4 In fact, 58% say that a company bears some responsibility even when a customer is injured while misusing a product.5

3. Erosion of Tort Reform
icon of a gavel hitting a desk
Changes in the legal environment, which historically limited the amount plaintiffs could obtain in damages, now tip the scales in favor of plaintiffs. For example, the elimination of monetary caps in some states has led to increased judgments.6 Also, modifications increasing the length of time during which a case can be filed expands attorneys' opportunity to launch more cases.7

4. Attorney Tactics and Litigation Funding
icon of a woman seated behind a desk with a microphone in front of her
Sophisticated plaintiff attorney tactics are also driving inflated judgments. Common strategies include advanced marketing and savvy emotional messaging:

Advertising — Attorneys are spending about $1 billion for 15 million advertisements per year in both digital and offline channels.8 In addition to bringing in more plaintiffs, these ads also have the potential to influence jury pools.
“Venue shopping” — Using analytics to determine the locations and judges with a track record favoring more generous awards.
Emotional appeals — Attorneys have moved beyond appeals for sympathy to stoking anger at corporate defendants by appealing to the part of the brain that prioritizes safety and survival.
Repositioning medical results — Emphasizing results such as diagnostic imaging to focus on the worst-case scenario, often with the intent to demonstrate a need for additional procedures or even lifelong care.

Fueling even more of this activity is the growing litigation funding investment market, in which a third-party invests in specific cases, even plaintiff attorneys find too tenuous to take on, for a contingency fee. In return, the investors receive a cut of any award. This industry was valued at around $12.2 billion in 2021 and is projected to reach $25.8 billion by 2030.

09/30/2022

Good evening everyone;
This past Friday a player by the name of Aaron Van Trease, who plays football for St. John Vianney High School (SJV), was severely injured during SJV’s game against Manasquan High School. Aaron, who we refer to at AVT, wears number 18. He was airlifted off the field and transported to Robert Wood Johnson Hospital after a collision on the field.

Aaron came up through the Manasquan Pop Warner program. Many of our Lions players played with and against Aaron for years. As we do with all of our Jersey Shore players, lets show our support here in Howell and throughout the New Jersey Shore Pop Warner Conference. This weekend, all of the High Schools within the Jersey Shore Conference are designating this week’s games as “Blackout” theme to show their support for Aaron and his family. We are asking that our families, friends and all spectators at this weekend’s games wear Black as well. If you do not have black, you can also wear gold in support of Aaron.

If you would like to further support Aaron and his family with donations which will help with costs associated with Aaron’s recovery, Asylum Sports Center Print Shop have coordinated with the Head Coach of St. John Vianney High School’s football team, Jeff Papcun, in creating apparel with Aaron’s number (18) and his initials (AVT). Sales proceeds from the apparel store will go to the Van Trease Family. The link to the store is https://asylumstore.square.site/shop/AVT/33?page=1&limit=60&sort_by=created_date&sort_order=desc.

Additionally, a GoFundMe has been set up for the Van Trease family. If you would like to donate, the link is as follows: https://www.gofundme.com/f/aaron-van-trease-18 .

The Jersey Shore is a very tight-knit family, as is HPW. We have always supported those within that family and now we need you more than ever. Show your support and keep Aaron and the Van Trease Family in your thoughts and prayers.

Thank you
Christopher M. Roselli
Howell Pop Warner President

On September 23, 2022, at Friday night’s football game, the unthinkable happened to the most lovin… Lindsay Scollo needs your support for Prayers for AVT #18

06/08/2022

Attention NJ Drivers, there is a growing trend in Auto insurance that no insurance agent or company is telling you about until its too late.

When you call an insurance company for a quote, their ultimate goal is to save you money. Lets be real, that's why anyone calls an insurance company unless its for a claim or to change a vehicle on their policy. But what the new agent or company is not telling you is a small change in coverage that you don't even know about, is why you are saving money. But this savings is certainly costly in the long run. Want to know why? Here goes.

There is a portion of your insurance policy that covers your medical bills in case you are involved in an accident and sustain physical injuries. This coverage is called PIP (Personal Injury Protection). In NY they call this No-Fault Coverage. Regardless who is at fault in an accident, your auto carrier will pay for all of your medical treatment when you are involved in an accident. Most people don't know this. In NJ however, you get to choose how much and who will pay your medical bills in case you are involved in an accident. In fact, you can actually elect to have your primary medical insurance pick up the tab for injuries sustained in an accident, it will actually save you money on your auto insurance. BUT THERE IS A CATCH. Most medical insurance companies do not cover you for automobile accidents. Sounds pretty under handed doesn't it? Bet you're asking "So Chris, why do they offer it as an option on my auto policy?" Good question, because medical insurance companies used to cover automobile accidents but most don't anymore because of the high rate of claims. It is the responsibility of the agent or insurance company (GEICO, ALLSTATE, STATEFARM) to advise you or even call your medical insurance provider to see if they can set the PIP coverage to be "Medical As Primary" and guess what? They don't, and you don't know about it either, all you know is they saved you money on your insurance and you are happy about it. In fact, the only time you find out about it is when you are in an accident and receive a letter from your insurance company advising you that none of your medical bills are covered. Tens of thousands of dollars in medical bills. The reality is, an emergency room visit alone, from a car accident, could be up to $10,000 if you chose to take an ambulance to the hospital.
Don't be fooled, if you are calling an insurance company to save on your auto insurance, make sure they are covering you appropriately.

If you have additional questions, or just don't know what your coverages are on your auto policy, give us a call. We'll be happy to explain it all too you, that's part of our job and another level of service you get when you do business with Roselli Brokerage Group.

02/23/2022

Roselli Brokerage Group is proud to announce we are now accepting payments online. You can pay your insurance premium via credit card or EFT out of your account.

05/26/2021

Because of Covid, many people have decided to expand their "Side Hussle" and build their small business. That's where we come in. Make sure your business is properly insured.

04/02/2021

Proud to announce Roselli Brokerage Group is now licensed in Alabama and Texas. Thinking about moving? Has your business expanded to the south? Roselli Brokerage Group is now licensed in NY, NJ, PA, CT, FL, AL & TX.

02/05/2021

Boxes still available Super Bowl Pool $25 a box. Help Support young Men and Woman in their upcoming season. You can venmo us payments to -LIONS

Free online Super Bowl squares contests. Create your contest with a single click and share with family and friends. Get started today!

12/09/2020

Too often, new homebuyers don’t account for the cost of home insurance – and are floored when they find out.