Not-So-Risky Business
Find out how NJM and HUB International can help your business prepare for the unexpected.
THROUGH SPECIAL ARRANGEMENTS WITH THE PUBLISHER, THIS NJM INFORMATIONAL COVER WRAP HAS BEEN PLACED ON A LIMITED NUMBER OF COPIES OF TIME® MAGAZINE. IT DOES NOT CONSTITUTE AN ENDORSEMENT BY TIME AND NO ENDORSEMENT IS IMPLIED. TIME IS A REGISTERED TRADEMARK OF TIME USA, LLC.
Protection for the Year Ahead
Predicting the top risks of 2022
2021broughtnewchallengesforbusinessesFortunatelyyouc
2021 brought new challenges for businesses. Fortunately, you can ensure your business is protected by having the right coverage in place. We’ve researched some of the top risks predicted to affect businesses in 2022 so you can be prepared.
1 2 3
Property Damage
Scientists predict that we should anticipate even more extreme weather events in the coming year, putting business property at risk. Protect your business from catastrophic losses through Building, Business Income, and Business Personal Property coverage.1
Cyber Incidents
Data hacks continue to plague businesses, and a breach can lead to direct losses, including revenue loss or fines. The average cost of a data breach is $827,000 but can be even higher if the breach is made public. Cyber coverage can protect you if sensitive customer information is compromised. 2
Theft
Unfortunately, any business can be at risk for theft, whether external or internal. Approximately 75% of U.S. businesses are affected by employee theft and on average, 5% of an organization’s revenue is lost to employee theft each year. Crime coverage will ensure you’re protected from financial losses caused by internal theft, robbery, or even counterfeit payments.3
Ensure you have the right business insurance in place to protect your business from these, and other, risks this year. To learn more, visit hubinternational.com/njm
A Full Magazine Issue
Sits Inside the Cover Wrap
Magazine Ads Produce Results
Reach readers like yourself who are reading this magazine, in this moment.
Think Again
You may think advertising in a prestigious magazine is cost prohibitive. It doesn't have to be.
Media Now Interactive partners with leading magazines catering to diverse interests, placing ads regionally for maximum reach. Our turn-key,
Make your ad count— reach the right audience at the right time. Scan the QR code or visit mni.com to learn more.
Commercial Coverage Made Easy
Unpacking NJM’s ProPack
Deciding what commercial insurance products your business needs can be challenging. Policies aren’t one-size-fits-all, but NJM’s ProPack coverage is designed to make the decision easier by providing property and liability coverage for midsize to large businesses.
Coverages include, but are not limited to, the following products:
Building, Business Income, and Business Personal Property Coverage
Yourbuilding, furniture, equipment, and other business properties are protected from fire, lightning, windstorm, hail, theft, and other covered losses.
General Liability
Protects your business from claims arising from your operations or sale of products.
Crime
Protectsyour company from financial losses that result from business-related crimes - ranging from employee dishonesty and theft to forgery and counterfeit payments.
Inland Marine
If you rely on products and materials transported over land, this coverage can protect your cargo from damage or theft.
To learn if NJM ProPack is right for your business, visit hubinternational.com/njm
