New Jersey Insurance – Sun National Bank Center Wed, 23 Nov 2022 15:17:19 +0000 en-US hourly 1 New Jersey Insurance – Sun National Bank Center 32 32 New Jersey is the most expensive state for comp Wed, 23 Nov 2022 15:17:19 +0000

New Jersey retained its spot as the most expensive state to purchase workers’ compensation coverage in the latest biennial rate rankings by the Oregon Department of Consumer and Business Services.

And while the top half of the list included perennials such as California, New York and Hawaii, Wyoming joined the top 10 after an average cost increase of more than 29% this year.

Average premiums of $2.44 per $100 of payroll in New Jersey were 192% of the study median, or $1.27 per $100 of payroll in Pennsylvania. New Jersey topped the last study, in 2020, with average costs of $2.52.

Hawaii, which ranked fifth in 2020, moved up to second place this year, with average premiums of $2.27. California fell from fourth place in 2020 to third this year, with average costs of $2.26. New York fell two places to fourth, with average costs of $2.15. Louisiana, which ranked eighth in 2020, rounded out the top five this year, with average costs of $2.13.

Wyoming was ranked the seventh most expensive state this year with average premiums of $1.86. In 2020, it ranked 26th, with average costs of $1.44.

The DCBS said the national median index rate of $1.27 per $100 of payroll was the lowest value since it began making national rate comparisons in 1986. During in the first year of the study, the national median index rate was $3.18, and by 1994 it had increased. at $4.35.

WorkCompCentral is a sister publication of Business Insurance. More stories here.

Cyber ​​Insurance Market Poised to Achieve Continued Growth During Forecast Period 2022-2028 – The C-Drone Review Thu, 17 Nov 2022 04:57:53 +0000
New Jersey, United States – The Global cyber insurance market The analysis offers associated intensive analysis of the market throughout the projection quantity. The study includes more types of sections like an associated review of events and items that are believed to have significant long-term impact. This study offers a comprehensive analysis of the global cyber insurance market. The market projections unit of the report relies on substantial secondary analysis, primary interviews, and qualified internal assessments. These market projections have been created by analyzing the outcomes of various social, political, and financial variables in the global Cyber ​​Insurance market, further owing to prevailing market dynamics.

The chapter collectively includes Porter’s 5 Forces analysis which explains five forces inside the global Cyber ​​Insurance Market, in conjunction with buyer and supplier conversation power, latest entrants danger, substitutes and jointly the scope of competition. among the competitors. The market outline collectively includes market dynamics. The competitive framework of the global cyber insurance market is another topic covered in the report.

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Cyber ​​Insurance Market, By Product:

  • Autonomous cyber insurance market
  • Packaged Cyber ​​Insurance Market

Cyber ​​Insurance Market, By Applications:

What do we provide in Global Cyber ​​Insurance Market Research Report?

Base Year of Cyber ​​Insurance Market Report 2022 – 2028
Reference year considered 2021
Market Growth of Cyber ​​Insurance Market Report Revenue in USD Million From 2021 to 2028 & CAGR From 2022 to 2028
Regional Scope of Cyber ​​Insurance Market Report North America, Europe, Asia, Ocean & ROW
National Scope of Cyber ​​Insurance Market Report USA, UK, Australia, India, China, Japan, Italy, France, Brazil, South Korea, ROW
Cyber ​​Insurance Market Report Coverage Market share, value, demand, insight, competition.

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  • The study on the global cyber insurance market offers a comprehensive overview of the current market and forecasts by 2022-2028 to help identify emerging business opportunities to capitalize on.
  • The global cyber insurance market report provides an in-depth examination of industry dynamics in the cyber insurance market, including existing and potential developments to represent pockets of consumer investment.
  • The report provides details about major drivers, restraints and opportunities and their effect on the Cyber ​​Insurance market report.
  • Strategic analysis of industry players and position of the industry in the global cyber insurance market;
  • The Cyber ​​Insurance Market report expands SWOT analysis and Porters Five Forces model.
  • Examination of the Cyber ​​Insurance Market study value chain gives a good view of the positions of the stakeholders.

Quantitative Data of Cyber ​​Insurance Market:

  • Cyber ​​Insurance Market Data Breakdown by Major Region and Application/End User
  • By growth rate for applications and product types: –


  • Global Cyber ​​Insurance Market Benefits by Industry and Growth Rate (Historical and Forecast)
  • Global Cyber ​​Insurance Market Size and Growth Rate, Application and Type (Past and Projected)
  • Global Cyber ​​Insurance Market Revenue, Volume and Growth Rate Year-on-Year (Base Year)

Qualitative Data: Includes factors affecting or influencing Cyber ​​Insurance market dynamics and growth. To list certain names in related sections

  • Cyber ​​Insurance Market Industry Overview
  • Growth engine of the global cyber insurance market
  • Global Cyber ​​Insurance Market Trends
  • Incarceration of the cyber insurance market
  • Global Cyber ​​Insurance Market Opportunity
  • Cyber ​​insurance market entropy** [specially designed to emphasize market aggressiveness]
  • Cyber ​​Insurance Market Fungal Analysis
  • Porter Five Army Model Cyber ​​Insurance Market Industry

Research methodology :

Primary Research on Cyber ​​Insurance Market:

We interviewed various key sources of supply and demand during the primary research to obtain qualitative and quantitative insights related to the Cyber ​​Insurance market report. Key sources of supply include key industry members, subject matter experts from key companies, and consultants from many leading companies and organizations working in the global cyber insurance market.

Secondary Research on Cyber ​​Insurance Market:

Secondary research on the Cyber ​​Insurance Market has been carried out to obtain crucial insights into the enterprise supply chain, enterprise monetary system, global enterprise pools, and industry segmentation, with the point the lowest, the regional area and technology-oriented outlook. Secondary data has been collected and analyzed to reach the total cyber insurance market size which the first survey confirmed.

Personalization available for the following Cyber ​​Insurance market regions and countries: North America, South & Central America, Middle East & Africa, Europe, Asia Pacific

The research provides answers to the following key questions:

1) Who are the major key players in the Global Cyber ​​Insurance Market report?

Here is the list of players:


  • Insurance AXIS
  • Chubb
  • Beazley
  • Allianz
  • XL
  • Berkshire Hathaway
  • Zurich Insurance
  • AON
  • Munich Re
  • Lockton
  • BCS Insurance
  • Travelers
  • Liberty Mutual
  • ANC.

    Note: Regional split and purchase by section available. We provide pie charts. Best custom reports as per requirements.

    2) What are the major key regions covered in the Cyber ​​Insurance market report?

    Geographically, this Cyber ​​Insurance market report is segmented into several major Regions, consumption, revenue (Million USD), and global Cyber ​​Insurance market share and growth rate in these regions, from 2021 to 2028 ( planned), covering North America, Europe, Asia-Pacific, etc.

    3) What is the predicted market size and market growth rate over the period 2022-2028 of the Global Cyber ​​Insurance Market industry?

    ** Values ​​marked with an XX are confidential data. To learn more about CAGR figures, fill in your details, then contact our Business Development Manager @

    4) Can I include additional segmentation/cyber insurance market segmentation?

    Yes. Additional granularity/segmentation of the Cyber ​​Insurance Market may be included based on data availability and difficulty of investigation. However, you should study and share the detailed requirements before final confirmation to the client.

    5) What is the impact of COVID 19 on the Global Cyber ​​Insurance Market industry?

    Before COVID 19, the Global Cyber ​​Insurance Market size was USD XXX Million and after COVID 19, it is expected to grow at X% and USD XXX Million.

    The TOC of Global Cyber ​​Insurance Market Research Report is:

    Chapter 1: Global Market Review Global Cyber ​​Insurance Market (2015-2028)

    • Cyber ​​insurance market definition
    • Description of the cyber insurance market
    • Ranked in Cyber ​​Insurance Market
    • Cyber ​​Insurance Market Applications
    • Cyber ​​Insurance Market Facts

    Chapter 2: Market Competition by Players/Suppliers 2015 and 2021

    • Cyber ​​Insurance Market Manufacturing Cost Structure
    • Cyber ​​Insurance Market Raw Materials and Suppliers
    • Cyber ​​Insurance Market Manufacturing Process
    • Industry Chain Structure of Cyber ​​Insurance Market

    Chapter 3: Sales (Volume) and Revenue (Value) by Region (2015-2021)

    • Cyber ​​insurance market sales
    • Cyber ​​Insurance Market Revenue and Market Share

    Chapter 4, 5 and 6: Global Cyber ​​Insurance Market by Type, Application and Profiles of Players/Suppliers (2015-2022)


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    About Us: Market Research Intellect

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  • ]]>
    Pet Accident Insurance Market Forecast, Trend Analysis to 2028 |, Petplan Uk (allianz), Nationwide, Trupanion, Petplan Northamerica (allianz), Hartville Group, Pethealth, Petfirst, Embrace, Royal & Sun Alliance (rsa), Direct Line Group, Agria, Petsecure, Petsure, Anicom Holding, Ipet Insurance, Japan Animal Club Mon, 14 Nov 2022 05:23:17 +0000

    New Jersey, United States – during a report recently published by Market Research Intellect, titled “Global Pet-Only Accident Insurance Report 2022“, the analysts have provided an in-depth summary of the world of pet accident insurance. The report is A comprehensive analysis study of the world of pet accident insurance only taking into account the factors expansion, recent trends, developments, opportunities and competitive landscape Market analysts and analyzers have performed an in-depth analysis of the world of Pet Accident Insurance only with the help of methodologies from research such as PESTLE and Porter’s 5 forces analysis.they need correct and reliable market information and useful recommendations with the aim of helping players to get an overview of the gift market situation and The report includes an in-depth study of the potential segments along with product type, application and user and their contribution to the market size.

    Additionally, market revenue supported by region and country are provided in the report. The authors of the report also shed light on common trading methods adopted by players. Global key Pet Accident Insurance only players and their comprehensive profiles are included in the report. Additionally, investment opportunities, recommendations, and current trends within international pet accident insurance are mapped by the report. With the help of this report, the world’s leading pet accident insurance players are going to be able to create wise selections and set up their methods accordingly to stay ahead of the curve.

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    Apart from market outline, which has market dynamics, the chapter includes Porter’s 5 Forces analysis, which explains the five forces to add to the global Pet Accident Insurance market, further as as the power of dialogue of consumers, the power of dialogue of suppliers, the risk of recent entrants, the risk of substitution and the degree of competition from competitors. It describes the various participants at regular intervals in the market system, such as system integrators, intermediaries, and end users. The report further examines the competitive landscape of the global Pet Accident Insurance market only.

    Some of the key players profiled in the study are:

    • Petplan UK (allianz)
    • At national scale
    • Trupanion
    • Petplan North America (allianz)
    • Hartville Group
    • Animal health
    • Petfirst
    • kiss
    • Royal and Solar Alliance (rsa)
    • Direct line group
    • Agria
    • PetSecure
    • petsure
    • Anicom Holding
    • Ipet Insurance
    • Animal Club of Japan

    The most prominent styles of pet accident insurance mentioned in this report are:

    • Liability insurance for pets
    • Pet medical insurance

    Leading companies reviewed in the Pet Accident Insurance Market‎ report are:

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    The attached regions are: North America, Europe, Asia-Pacific, Oceania, South America, geographical area and continent

    Breakdown at country level: United States, Canada, Mexico, Brazil, Argentina, Colombia, Chile, South Africa, Nigeria, Tunisia, Morocco, Germany, United Kingdom (UK), Holland, Spain, Italy, Belgium, Austria, Turkey, Russia , France, Poland, Israel, United Arab Emirates, Qatar, Kingdom of Saudi Arabia, China, Japan, Taiwan, South Korea, Singapore, India, Australia and New Sjaelland etc.

    Impact of the Pet Accident Insurance Market Report Only:

    –Comprehensive assessment of all opportunities and risk in the Pet Accident Insurance market only.

    – Recent innovations and major events in the Pet Accident Insurance market.

    –Detailed study of business avenues for growth of the Pet Accident Insurance market-leading market players.

    –Conclusive study regarding the Pet Accident Insurance Market expansion plan for forthcoming years.

    – In-depth understanding of Pet Accident Insurance market drivers, restraints, and major minor markets.

    – Favorable impression within significant technological and market latest trends positioning the Pet Accident Insurance Market only.

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    Strategic Points Aligned In Pet Accident Insurance Market TOC-Only:

    – Chapter 1: Introduction, market actuation product Objective of study and analysis Scope of the global Pet Accident Insurance market (2022-2028).

    – Chapter 2: Exclusive Insight – the fundamental insights of the global Pet Accident Insurance market.

    – Chapter 3: Evolving Impact on Market Dynamics – Drivers, Trends and Global Pet Accident Insurance Only Challenges and Opportunities; Post-COVID analysis.

    – Chapter 4: Introducing the Global Pet Accident Insurance Market Correlational Analysis, Post-COVID Impact Analysis, Porters 5 Forces, Supply/Value Chain, PESTEL Analysis, Entropy of the market, patent/trademark analysis.

    – Chapter 5: Display of by type, user and Region/Country 2018-2022.

    – Chapter 6: Evaluating the leading manufacturers of the Global Pet-Only Accident Insurance Market which includes its Competitive Landscape, Generation Analysis, BCG Matrix and Company Profile.

    – Chapter 7: To assess the market by segments, by countries and by manufacturers/company with revenue share and sales by key countries in these numerous regions (2022-2028).

    … To be continued

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    Market research intelligence

    New Jersey (USA)

    Tel: +1-650-781-4080


    Insurance and taxes dominate early discussion of car-sharing regulations Fri, 04 Nov 2022 10:58:47 +0000

    Talk of insurance and taxes dominated discussions of the Legislative Assembly’s first step toward regulating peer-to-peer car-sharing services on Thursday.

    The Senate Commerce Committee testified about a bill sponsored by Sen. Joe Cryan (D-Union) that would require companies administering peer-to-peer car sharing to assume insurance liability for vehicles rented using their platform.

    Car-sharing companies allow vehicle owners to rent their cars to others when they are not using them. These companies – which the bill distinguishes from rental car companies – already operate in New Jersey, though a lack of regulation means it’s often unclear which insurance is at fault after an accident.

    “Now it’s the wild, wild west. You’re suing everybody and there’s carriers denying it. Where does the aggrieved party go?” said Sen. Jon Bramnick (R-Union).

    While the measure would ensure that someone – the car owner, its driver or the car-sharing company – has insurance, there was disagreement over whether the coverage required under the bill would be sufficient.

    “Since most traditional car insurance will not cover a car driven using a peer-to-peer service, the peer-to-peer company should always be the primary insurance for the period the car is is shared,” said Jim Lynch, president of the New Jersey Association for Justice, a legal advocacy group.

    The bill, as written, would require car-sharing companies to only provide liability, bodily injury, and coverage for underinsured and uninsured motorists up to state minimum limits. Lawmakers have tried to raise some of those limits in recent months, including a successful push that will increase bodily injury liability coverage minimums next year and again in 2026.

    Lynch called for car-sharing companies to be required to carry at least $1.5 million in liability coverage, the same coverage required by ride-sharing services like Lyft and Uber. Kenny Montilla, a lobbyist for car-sharing company Turo, noted that the bill would prohibit cars rented through a car-sharing service from being used as taxis or other rental vehicles.

    “To talk about what we love about this bill, it ensures that there is no interruption in coverage, so whatever party tries to sue, there is coverage in place that is provided by the driver of the shared vehicle, the owner of the shared vehicle or the platform in the event that either party is uninsured or underinsured,” said Montilla.

    Bramnick did not approve of the $1.5 million limit, but argued that car-sharing companies should be required to provide liability coverage above the minimum coverage.

    Montilla said car rental companies are subject to the same limit, adding that car-sharing companies offer protection plans that provide additional coverage.

    Rental companies, which compete directly with car-sharing companies, said their competitors should pay the same fees and taxes levied on car rentals because they offer the same service, even though car-sharing companies cars try to pretend they don’t.

    “I know you’ve probably heard, and maybe you’ll hear in future testimonials, that peer-to-peer companies don’t rent cars,” said Dean Thompson, vice president of finance at Enterprise Rent- A-Car. “I encourage you to do a Google and look at their Google ads. You’ll see ‘rent the perfect car’. You’ll see ‘rent instantly’.

    New Jersey rentals are charged a $5 per day homeland security fee in addition to sales tax levies. Carsharing companies pay sales tax, but not fees. They are also exempt from airport access fees and local car rental taxes charged in Newark and Elizabeth, Thompson said.

    Lawmakers may find extending fees and taxes to car-sharing companies a hard pill to swallow. Car rentals are generally more expensive than carpools, and the added cost could make the new service less accessible to low-income residents.

    “Recently I traveled out of state and had to rent a car for five days. I used one of the rated companies that are here. The cost for five days was $750, and that was not a luxury car,” said Sen. Bob Singer (R-Ocean), a co-sponsor of the bill who added, “Make it affordable for young people, make it affordable for people starting out or struggling – in these financial times, it’s so critical.

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    Rutgers Study Reveals Substantial Inequities in Access to Specialty Epilepsy Care in New Jersey Wed, 02 Nov 2022 00:19:00 +0000

    For millions of Americans who suffer from epilepsy, advanced monitoring is essential for diagnosis and effective treatment. But in New Jersey, access to these services is difficult for patients from racial and ethnic minority groups, according to research by Rutgers.

    “Our data suggest that there are substantial inequalities in access to specialty epilepsy care in New Jersey, and these differences appear to be influenced by race, ethnicity, and type of insurance,” said said Brad K. Kamitaki, assistant professor of neurology at Rutgers Robert Wood. Johnson Medical School and lead author of the study, published in the journal Epilepsy and behavior.

    To calculate how structural racism and insurance barriers might affect people’s ability to seek epilepsy care in the state, researchers analyzed epilepsy-related hospitalizations using databases of inpatients and emergency rooms between 2014 and 2016. They recorded 53,194 emergency room visits for epilepsy and 2,372 epilepsy surveillance units. (EMU) during this period.

    Researchers sorted these cases by race, ethnicity and type of insurance to estimate and compare hospital admissions per capita and admission rates by number of emergency room visits for each group. This data was then used to calculate the use of EMU services in relation to the number of emergency room visits for each group. EMUs, where seizures can be observed with continuous video-EEG monitoring, are considered the “gold standard” for definitively diagnosing and locating epilepsy, Kamitaki said.

    What the researchers found was that while black patients were admitted at high rates for all categories of insurance (private and public) when measured on a per capita basis, black patients with private insurance and Medicaid had the lowest EMU admission rates relative to the number of emergencies. room visits for each group. This suggests that black patients tend to seek more emergency care for seizures, with relatively less access to specialist epilepsy services.

    Hispanics and Latinos and Asian and Pacific Islanders with private insurance, Hispanics and Latinos with Medicaid, and Asian and Pacific Islanders with Medicare were also admitted to EMU at lower rates in each respective payer category.

    Kamitaki said several factors could explain these disparities.

    “Epilepsy care is very similar to diabetes care or high blood pressure care: patients have to follow up regularly, and it’s expensive,” he said. “Advanced epilepsy services are also considered elective, and for uninsured patients in particular, these costs put epilepsy treatment out of reach.”

    Other factors include fewer New Jersey neurologists accepting Medicaid, inadequate transportation to and from clinics (people with epilepsy cannot legally drive for at least six months after a seizure), limited fluency in English and laws and policies that perpetuate inequitable access to health care for people of color.

    But Kamitaki said his study cannot provide all the answers and more work is needed to fully understand why these inequalities exist.

    We are not trying to provide definitive answers but rather to open doors. When trying to understand disparities, the first thing to do is simply point them out. In the past, most work on epilepsy has used general assumptions based on the entire US population. But there are also challenges that are unique to states, which is what we tried to measure.”

    Brad K. Kamitaki, assistant professor of neurology at Rutgers Robert Wood Johnson Medical School


    Journal reference:

    Kamitaki, BK, et al. (2022) Differences in elective epilepsy monitoring unit admission rates by race/ethnicity and primary payer in New Jersey. A review. Epilepsy and behavior.

    State insurance mandates do not improve racial disparities in live births on ART Fri, 28 Oct 2022 21:30:24 +0000

    ANAHEIM, Calif. — Insurance mandates for fertility treatment with donor eggs may improve overall live birth rates, but current policies are failing to reduce racial disparities in assisted human reproduction (ART) treatment ), according to a retrospective study.

    Overall, state insurance requirements for donor oocyte coverage were associated with a 10% increased chance of live birth (RR 1.10, 95% CI 1.05-1, 16), reported Caiyun Liao, MD, MPH, researcher in reproductive endocrinology and infertility at Yale University in New Haven, Connecticut.

    However, there were significant racial disparities in live birth rates in states that did not mandate cycle coverage with donor oocytes: in a multivariate regression analysis, groups less likely to achieve a live birth after ART were:

    • African Americans (RR 0.82, 95% CI 0.77-0.87)
    • Hispanics (RR 0.93, 95% CI 0.88-0.98)
    • Asians and other races (RR 0.96, 95% CI 0.93-0.99)

    The presence of an insurance mandate has not mitigated racial disparities, Liao said in a presentation at the annual meeting of the American Society for Reproductive Medicine.

    “Insurance mandates that actually reach those most in need are necessary, but insufficient for equitable access and outcomes,” Liao reported. “Disparities in ART are a phenomenon that arises from a complex web of biological, social, cultural and psychological factors that act synergistically and must be addressed using a multi-pronged approach.”

    Mandatory insurance coverage for autologous ART may be associated with improved access and pregnancy outcomes, but the impact these policies might have on racial disparities in ART is unclear.

    Previous studies have shown that African American women and those from lower socioeconomic backgrounds are more likely to be infertile, but are also less likely to access treatment, Liao said. Additionally, people of color generally had poorer pregnancy outcomes with ART.

    In this study, Liao’s group used the SART CORS database to compare live birth rates in 2014-2016 by race and ethnicity in states that have mandated egg donor insurance coverage – namely the New Jersey and Massachusetts – to those who haven’t. The representation of each racial/ethnic group in the study was compared to US census data.

    The analysis included 40,546 cycles of donor oocytes from over 27,000 recipients. Approximately 36% of cycles used fresh oocytes and 64% used frozen and thawed oocytes. Most patients included in the analysis were over 42 years old, but non-Hispanic white patients were younger than the overall population.

    Decreased ovarian reserve was the most common cause of infertility among egg recipients included in the study. African American patients were more likely to have a higher BMI and experienced a higher rate of recurrent miscarriage than women of other races and ethnicities.

    Beneficiaries who were African American or Asian were less likely to reside in states with mandatory coverage or receive treatment at clinics in mandated states than those from other racial/ethnic groups. Additionally, African American recipients were the least likely to achieve a clinical pregnancy or live birth, the researchers found.

    Liao acknowledged that this study may be limited by indiscriminate misclassification of recipients from New Jersey or Massachusetts who may have crossed state lines for fertility treatment. She added that the SART CORS database did not include information on important social determinants of health, such as income or level of education.

    • Amanda D’Ambrosio is a reporter on the business and investigative team at MedPage Today. She covers obstetrics and gynecology and other clinical news, and writes about the US healthcare system. Follow


    Liao disclosed no potential conflict of interest.

    In Place Of Sandy-Ravaged Homes, ‘Living’ Beach Helps NJ Prepare For Next Storm Mon, 24 Oct 2022 20:33:00 +0000

    Part of Gandys Beach has been turned into an experiment to test resilience strategies in the face of rising seas threatening New Jersey’s famously populated coastline.

    A house foundation overtaken by water and vegetation at Fortescue Beach in Fortescue, NJ last week.  Due to flood damage and destructive storms like Hurricane Sandy, scientists and engineers have identified key areas along the Jersey Shore on the Delaware Bay side for the use of preventive measures to ensure a healthy ecosystem and to adapt to the rapid rise in sea level.
    A house foundation overtaken by water and vegetation at Fortescue Beach in Fortescue, NJ last week. Due to flood damage and destructive storms like Hurricane Sandy, scientists and engineers have identified key areas along the Jersey Shore on the Delaware Bay side for the use of preventative measures to ensure a healthy ecosystem and adapt to rapidly rising sea levels. (Michelle Gustafson for The Washington Post)


    Ten years after Hurricane Sandy carved a deadly and destructive path down the East Coast, reminders of its impact linger on the Jersey Shore. Abandoned buildings, first damaged by the storm, now bear another decade of disrepair. There are docks missing rows of wooden planks and telltale water pipes etched into garage doors like old faded scars signs not necessarily noticeable to outsiders, but clear to storm survivors, many of whom now tower over these properties in homes chocked to comply with new insurance guidelines.

    Gandys Beach, a popular fishing spot along Delaware Bay, falls into another category: places transformed and now almost unrecognizable. After Sandy’s storm surge encountered a row of houses on Bayview Road, the state bought out most of those buildings, and the street itself is now more sand than road. What remains is an unmaintained stretch of beach with a new purpose. It has been turned into an experiment, where government officials, scientists and engineers work together to test nature-based resilience strategies for the rising seas threatening the famous and heavily populated coast of New Jersey.

    While climate change is causing widespread sea level rise, the Jersey Shore is experiencing it at a rate more than double the global average, according to a Rutgers University study. This is partly because the land is sinking into it, due to natural and man-made factors. In the last century Gandys beach alone has seen a foot of sea level rise, and lost nearly 500 feet of shoreline. Experts familiar with the area describe the tide there as ‘aggressive’, ‘bumpy’ and ‘crazy’ – the water swells enough to go from lapping your toes at low tide to rising above your head during an average high tide. These conditions make adaptation increasingly critical.

    After Sandy, the U.S. Fish and Wildlife Service received $167 million in federal funding to restore damaged wildlife facilities and habitats. during the storm. They spent $880,000 on Gandys Beach. If a project can survive and thrive in an environment like Gandys, fish and wildlife biologist Danielle McCulloch thinks it can withstand conditions anywhere. The progress and failures encountered on this shrinking stretch of shore now inform mitigation strategies along the coast, including the creation of “living shores” made of natural materials like oysters and marshes to prevent loss. of land.

    On a cloudy July day, the air thick promising rain, McCulloch summoned some members of the team behind the Gandys Beach project to review their work. Wearing tall wading boots and carrying binoculars around her neck, McCulloch apologized in advance for interrupting anyone to point out interesting wildlife – “I feel like missing out on nature is worse than being rude,” she explained. There were a number of reasons for interruptions along the beaches of Delaware Bay that morning, from squalls of shorebirds to a parade of horseshoe crabs leaving swirls in the sand as ‘they were heading for the water. Delaware Bay is home to the largest population of horseshoe crabs in the world, and Gandys Beach serves as a migratory stopover for endangered rufa red knot birds, which come to nibble on crab eggs.

    McCulloch and his colleagues came to see a series of offshore structures called “breakwaters”, installed about four years after Sandy. Extending intermittently for 3,000 feet parallel to the shore, the 10-by-30-foot formations serve as physical barriers between the waves and the beach, visible at low tide and fully submerged when the water rises.

    Oyster castles – strong, interlocking blocks made of a mixture of concrete and oyster shell that entice marine molluscs to cling to – form the barriers. Bags filled with oyster shells were added as reinforcement to solidify them; closer to shore, the Nature Conservancy, the non-profit that owns this section of the beach, has planted vegetation and put in compact tubes of natural fibers to “hold the line”, as they put it. McCulloch.

    This design aims to serve a dual purpose: dampening waves to curb beach erosion and increasing the population of oysters, which naturally improves water quality and creates a reef-like habitat for others. marine species. To test these hypotheses, the Fish and Wildlife Service used money from the Sandy Credits to fund ongoing research at the Stevens Institute of Technology, the Rutgers Haskin Shellfish Research Laboratory, and the Delaware Estuary Partnership.

    So far, their findings are divide. Along the wider beach and a calmer stretch of Nantuxent Creek, where the water has less wave energy, the oyster castles have been a godsend, supporting several generations of oysters and mussels. On shore, seashell bags provided stability for plants to root and grow, while compact tubes of natural fibers, called coir logs, did not have much perceived impact.

    Areas of higher energy waves proved more difficult. While oyster castles were home to some marine life, it wasn’t as robust, and Stevens’ researchers found they actually amplified some of the waves behind the structures. Recognizing this, the band made some quick changes. Additional breakwater structures were added, creating a perpendicular “spine” extending from the beach. Researchers are still monitoring whether this change made a difference.

    The waves also loosened the bags of shells, some of which burst open and strewn along the beach, leaving behind plastic waste. To solve this problem, the team tried to make “lemons out of lemonade,” said Adrianna Zito-Livingston of the Nature Conservancy. The bags naturally piled up close to vegetation, so the team decided to place them in areas that needed more reinforcement – ​​that way they can help protect plants and accumulate more sand. Going forward, Zito-Livingston said, they look forward to exploring options for bags made from other materials.

    “We’re learning that’s not a big restriction on its own for this kind of energetics,” Zito-Livingston said. “But they make really nice little speed bumps, they trap sediment and can slow things down.”

    Some of the practical lessons from the research on these coasts have been applied to other ongoing projects along the Jersey Shore, including those in more populated communities. This includes wetland rehabilitation plans, which research has shown played a key role in protecting inland areas during Hurricane Sandy. For example, the Fish and Wildlife Service is using bipartisan Infrastructure Act funding to support the restoration of a marsh in Barnegat Bay. There, crews use a similar combination of wave-mitigating structures in the water and seashell bags to rebuild marsh vegetation on the shore.

    When Sandy swept that area, resident Pat Doyle said, she was moved from her longtime family home. Today, she’s one of the staunchest supporters of another nature-based initiative born out of Gandys Beach research that could help prevent further erosion and flooding in her neighborhood. Another non-profit organization, the American Littoral Society, uses federal and state funds to set up seven “reefs” of baskets filled with rocks and shells along the coast to act as both sea-breaking blades and aquatic habitats.

    Although a few dozen locals came to help the company build the baskets, Doyle said they were also controversial: some people complained about the appearance of the facilities, which jut out from the bay and are especially noticeable at tide. low.

    “What I’m trying to say is it’s not about what we want, at this point, it’s about what we desperately need,” Doyle said. She believes there needs to be more education in riverside communities about sea level rise and more support for property owners who continually pay the price for climate change.

    After Sandy, she says, she asked the city about buyouts and was told it wasn’t an option in her area. So she “emptied a bank account,” as she described it, to bring her home up to flood insurance standards. At first, its rates dropped, but the Federal Emergency Management Agency’s new flood insurance pricing methodology sent them skyrocketing. Although she was hopeful for the reefs, she said the area was still experiencing significant flooding. Residents appealed to elected officials for funds to add more protections, including additional physical barriers.

    Doyle’s experience illustrates another lesson Gandys Beach works: the need for long-term collaborative projects. It’s not just that you need experts who understand science or engineering – there’s also a need for people in government like McCulloch who can help navigate the bureaucracy and complex funding processes that can s prove prohibitive for community efforts.

    “No one you meet today is going to say they know everything – that’s why we have these great partnerships, that’s why we all work together and that’s why we collect the data,” McCulloch said. said. “We need it to make sure we’re doing the right thing because people’s homes depend on it, these species depend on it, [and] we have to understand this now because we are running out of time.

    Sign up to receive the latest news on climate change, energy and the environment, delivered every Thursday

    Selective Van Lines provides reasons why people should hire professional movers in New Jersey Fri, 21 Oct 2022 06:36:10 +0000

    “Here’s Why You Should Hire Select Van Lines For Your Next New Jersey Move”

    Many people think the moving process is something they can tinker with. Here’s why it’s better to leave the move to the professionals!

    Benefits of Hiring a Professional Moving Company in New Jersey

    Moving can be a stressful experience, but it doesn’t have to be. New Jersey’s professional movers can help make the process much smoother whether you’re moving across town or across the country. They can handle all the heavy lifting, packing and transportation, so you can focus on other things. And if you’re worried about your belongings being damaged in transit, most professional moving companies offer comprehensive insurance coverage.

    Here are five more reasons why you should invest in professional movers.

    Reasons to Hire a Professional Local Mover in New Jersey

    1. They take the stress out of packing

    One of the most stressful parts of moving is packing all your stuff. Movers are professionals who know how to pack quickly and efficiently. They have all the supplies you need and can do the job in a fraction of the time it would take you to do it yourself. Plus, you won’t have to worry about whether your valuables will arrive safely at your new home.

    2. They can save you time

    When planning a move, time is of the essence. There is so much to do and so little time to do it. Hiring a professional moving company in New Jersey can help you save time by taking care of all the details for you. Free up your time so you can focus on other important things, like getting settled into your new home.

    3. They take care of all the heavy lifting

    Literally. Anyone who’s ever moved knows it can be a tall order, especially when it comes to packing and moving heavy furniture and appliances. Fortunately, there are professional movers who specialize in this type of work and can get the job done quickly and efficiently. With their help, you can rest assured that your belongings will be handled with care and arrive safe and sound at your new home. Plus, professional movers can provide you with all the materials and equipment needed to make the move go smoothly.

    4. They offer flexibility

    Moving is a big business, and there’s a lot to think about. Movers understand that no two moves are the same, which is why they offer flexible services to meet your specific needs. Whether you need help packing, loading, unloading, or all of the above, they’ll be there to lend a hand (or two). They know that every move is different and they will work with you to make sure your move goes as smoothly as possible.

    5. They got you covered

    Moving is always a bit of a gamble. No matter how well you plan or how experienced your movers are, there’s always a chance something could go wrong. This is why most professional moving companies offer some form of insurance coverage for lost or damaged items. So even if something goes wrong, you can rest assured that your assets are protected.

    Contact Select Van Lines today!

    When it comes to moving, there are plenty of companies to choose from. But not all are created equal. That’s where Selective Van Lines comes in. We are professional movers in New Jersey who can help make your move as easy and stress-free as possible.

    We are fully equipped with everything you need to make your move, no matter what type or size of belongings you have. And our team is highly trained and experienced in all aspects of the move, from loading to unloading. In addition, we offer exemplary customer service. So if you’re planning on moving soon, give us a call at (844) 357-2223. We would be more than happy to help make your transition smooth and hassle-free.

    Media Contact
    Company Name: Selective van lines
    Contact person: Joseph H.
    E-mail: Send an email
    Call: +1-844-357-2223
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    Town: Lodi
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    Global boat and yacht insurance market size and forecast Tue, 18 Oct 2022 02:39:36 +0000

    New Jersey, United States – The report named “Global boat and yacht insurance market overview, forecast to 2028adds to Verified Market Research’s market research archive. The report offers an in-depth study of the Global Boat and Yacht Insurance Market regarding key opportunities and drivers influencing market growth. Key emerging trends and their impact on current and upcoming market developments are also mapped in the report. Additionally, the report throws light on industry-specific challenges faced by key players and the global boat and yacht insurance market as a whole. This will eventually help market participants to make beneficial decisions in terms of investment.

    For the key players to understand the structure of the global boat and yacht insurance market, market professionals have studied the global boat and yacht insurance market by various segmentations including product type, end-user and the app. This analysis is based on market share, size, CAGR, consumption and production. Additionally, the market analysts have shed light on the potential regions, along with their respective key countries, which are expected to make a significant contribution to the growth of the global boat and yacht insurance market.

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    Key Players Mentioned in the Global Boat and Yacht Insurance Market Research Report:

    Tokio Marine, Zurich, Chubb Ltd., Aviva India, China Taiping Insurance Group Ltd., Reliance Nippon Life Insurance Company Limited, ING Group, United India Insurance Co. Ltd., CPIC, Ping An Insurance (Group) Company of China Ltd. , Allied Insurance Company, Merriam-Webster and others.

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    Global Boat and Yacht Insurance Market Segmentation:

    Boat and Yacht Insurance Market Segmentation, By Type
    • Actual Cash Value
    • Value of the agreed amount

    Boat and Yacht Insurance Market Segmentation, By End User
    • Commercial
    • Personal

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    Verified Market Research® is a leading global research and advisory firm that has been providing advanced analytical research solutions, personalized advice and in-depth data analysis for over 10 years to individuals and businesses seeking accurate research, reliable and up to date. data and technical advice. We provide insight into strategic and growth analytics, the data needed to achieve business goals, and help make critical revenue decisions.

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    Ensuring the climate transition: electric vehicles are the future. How will this change commercial auto insurance? : Risk & Insurance Sat, 15 Oct 2022 12:51:36 +0000 From battery fires to cyberattacks, here are insurers’ concerns about EV risk.

    Insurers, start your engines. The adoption of electric vehicles is on the rise – and it will only accelerate.

    In August, California announced it would ban the sale of gas-powered vehicles in 2035. New York and Virginia, where a 2021 law requires the state to adopt California standards, soon followed.

    While the move is necessary in the fight against global climate change, some insurers wonder how the transition to electric vehicles will affect personal and commercial auto lines. On the business side, fears about battery fires, increased accident risk, and cyberattacks are common.

    Electric Vehicles vs Gasoline Vehicles

    While gasoline and electric vehicles share a number of similarities, there are a few concerns unique to electric vehicles that insurers are watching out for.

    “There are different risks than a combustion engine risk, which are better understood by the insurance market,” said Stephen R. Hackenburg, national property and casualty practice leader at Aon.

    A major concern that is already making headlines: battery fires. Videos of Tesla vehicles catching fire have circulated widely on the internet.

    “While both types of vehicles can be subject to battery fires, the composition of electric batteries can react differently, resulting in variations in damage,” said Sandee Perfetto, senior manager, personal line base products and solutions. subscription at Verisk.

    The good news for insurers? Despite these additional risks, electric vehicles may prove to be safer than those powered by gasoline engines. EV batteries have a 0.03% chance of igniting compared to a 1.5% chance for their gas-powered counterparts, CNBC reported.

    “Electric motors are simpler than a combustion engine,” Hackenburg said. “In a way, you could argue that electric vehicles are less likely to have fewer associated risks from a product perspective than a combustion engine.”

    Some insurers worry that the quiet hum of electric vehicles could create additional liability risks, as walkers or joggers may not hear a car approaching until it’s too late.

    “Another consideration is the quietness of electric vehicles compared to gasoline-powered vehicles, which could lead to increased risks for pedestrians,” Perfetto said.

    Aside from the vehicles themselves, Hackenburg wonders if power grids across the United States can support thousands of utility vehicles — or even just commuter cars — that will need to be recharged. According to a May report by Reuters, it would take more than $2 trillion in investment to prepare America’s power grids for the demands of electric vehicles.

    “Without a massive upgrade to the power grid infrastructure, I’m very skeptical that an all-electric scenario would work,” Hackenburg said.

    Cyber ​​risks abound

    Insurers are also concerned about the cyber risks they may pose. Like most new cars and trucks, electric vehicles feature connected car technologies like wifi, data sharing, and semi-autonomous systems. The fear is that these systems could be hacked and used to take control of the car or shut down the security systems.

    “If you could somehow hack into a vehicle and affect the security systems, or worse cause a subsequent accident, that’s the kind of thing I think about and worry about,” said Hackenburg.

    Hackers are already targeting electric and autonomous vehicles. Between 2018 and 2021, attacks on electric vehicles increased by 225%, according to Forbes reports.

    “In general, an increased risk of mass hacking may exist with automated vehicles in general, not specifically with electric vehicles. As vehicles are designed with more technology to provide additional security and convenience, the opportunities for hacking at distance are increasing,” Perfetto said.

    Additionally, the charging systems found in electric vehicles could pose cybersecurity risks. Like other connected technologies and Internet of Things devices, electric vehicle charging stations are vulnerable to cyberattacks.

    “Electric vehicles may be more vulnerable to cyberattacks than other vehicles with similar automation due to connection to charging stations to replenish batteries,” Perfetto said.

    “Electric cars can be connected to public charging stations in shopping malls and in public car parks where data can be transferred.”

    This fear is particularly acute for owners of commercial fleets. If someone hacks into a charging station in a commercial fleet, they will likely be able to access all vehicles.

    “The potential for mass hacking is likely to be greater if vehicles have the same technology in a fleet, while being vulnerable to the same charging stations and malware,” Perfetto said.

    “Mass hacking affecting a fleet via common technology or charging stations could lead to increased property damage claims for car dealerships, garage owners and owners of large electric vehicle fleets.”

    It should be noted that the chances of a mass hacking event are low. Developers of electric and autonomous vehicles have considered the potential for mass hacking and hijacking events and have programmed vehicles with safeguards to protect against these risks.

    “The way the systems are designed is that there is a very specific pathway for input for actuation of the vehicle, and if there is a fault or a command that is not recognized as coming from the good source, vehicles go into degraded mode; They stopped. In the worst case, you stop on a roadway. You don’t turn it into a remote control car,” said Steve Miller, broker and chief innovation officer at the Insurance Office of America. Risk & Insurance® in March.

    Nevertheless, insurers will need to consider the risks posed by electric and autonomous vehicle technologies. Commercial fleets will likely need to purchase cyber insurance policies to protect against exposure. And they will have to determine who is liable for damages in the event of a hack.

    “Insurers need to consider existing cyber exposures and changes in theft or other losses that may occur due to computer incidents,” Perfetto said.

    “Non-motor policies must take into account the new risks associated with charging stations. Will the liability risks traditionally associated with auto insurance be transferred to automakers or parts suppliers? » &

    Insuring the Climate Transition is a series that explores the critical role insurance will play in decarbonizing the economy and adapting policyholders to the effects of global climate change. You can read other stories from the series here.

    Courtney DuChene is a freelance journalist based in Philadelphia. She can be reached at [email protected]