Commercial Insurance Associates

Commercial Insurance Associates Insurance Broker Independent Insurance Agency

07/23/2026

New Jersey’s new e-bike law classifies all e-bikes principally garaged in the state as motorized bicycles. Riders must be at least 15 years old and hold either a driver’s license or obtain a motorized bicycle license.
Low speed e-bikes must be registered but do not need to be insured. However, owners of motorized bicycles that travel 20 mph or faster, must not only register them but also have liability insurance for bodily injury, death and property damage.

05/13/2026

As of May 12, the Delaware Department of Transportation was reporting 41 traffic fatalities – a 24% increase over last year at the same time when there were 33. Last year ended with 117 traffic fatalities.
Fatal crashes in Delaware that involved curves and roadway departures are two of the more common crash types, according to DelDOT’s traffic fatalities website.

04/08/2026

Distracted driving is any activity that diverts your attention from the road, including talking or texting on your phone, eating & drinking, talking to people in your vehicle and adjusting your entertainment or navigation system.
Sending or reading a text takes your eyes off the road for 5 seconds. At 55 mph, that's like driving the length of an entire football field with your eyes closed.

You cannot drive safely unless driving has your full attention. Any activity you engage in while driving is a potential distraction and increases your risk of crashing.

03/18/2026

A home maintenance checklist will help you
stay on top of tasks like replacing air filters,
testing smoke & carbon monoxide detectors
and checking the water heater for leaks.
Also, you will want to make sure your air
conditioning system is working properly and
clean the dryer vent to reduce fire hazards.
By taking care of these maintenance tasks, you
will keep your family safe and save money on
repairs.
Air Filters: Many types of heating and air
conditioning systems contain filters to remove
dirt and dust from the air. Check the instruction
manual or search online by model number to
confirm how often you should change the
filters.
Safety and Security: If you have a home security system, regularly check the alarms and circuit
breakers to ensure they are in working order. Inspect the sensors one by one. The batteries in your
smoke and carbon monoxide detectors should also be checked twice a year to ensure they are working.
Detectors should be replaced every 10 years.
Roof, Gutters and Downspouts: A qualified roofer should inspect your roof every three years. Skylights
should also be checked so leaks don’t develop from cracks around the seals, caulking and flashings.
Make sure that gutters and downspouts do not get clogged with leaves or other debris.
Windows and Doors: Inspect exterior windows and doors yearly to see if the caulking around them has
split and cracked. If so, replace the caulk and clean any mildew.
Siding: The exterior of your house is built to withstand exposure to the elements, but a periodic cleaning
will improve the appearance and, in many cases, prolong the life of siding.
Garage: The moving parts of garage doors should be oiled every three months.
Source: National Association of Home Builders

Address

260Chapman Road Ste 100 B
Newark, DE
19702

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