New Jersey Business Property Casualty Insurance Coverage

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New Jersey Business Property Casualty Insurance Coverage | Bogle Agency Insurance

New Jersey Business Property Casualty Insurance Coverage | Bogle Agency Insurance

Understanding the types of Insurance a business needs in New Jersey is important for owners of, as well for entrepreneurs just getting into, business. Like any, Business Property Casualty Insurance Coverage is for the unexpected. Getting started with the right business Insurance coverage avoids surprises and financial crisis. A business with coverage for the unforeseen can be the difference between success and failure, but what is necessary isn’t always obvious.

Best to consult with a NJ Insurance agent on the various Business Property Casualty Insurance Coverage types in order to be sure the business is protected from day one!

What Types of Business Insurance Will the Business Need?

  • Worker’s Compensation Insurance – protects employees under state laws, provides medical care, death, disability and rehabilitation benefits for workers injured or even killed on the job
  • Errors and Omissions Insurance – liability insurance that protects companies and their workers against claims of inadequate or negligent professional work
  • Property Insurance – insures against damage to buildings, its contents and/ or a loss of income due to loss, such as fire
  • Vehicle Insurance – covers physical damage to, as well as liability coverage related to the use of, company cars to commercial trucks
  • Business Interruption Insurance – compensates for income lost during a period of restoration to repair or restore physical damage to defined property
  • Umbrella Insurance – catastrophe coverage meant to pick up where business auto liability, general liability or other liability coverage are exhausted

These are obvious types of Business Property Casualty Insurance coverage the business may need. Other options exist, for example, if the business manufactures a particular product there may be a need for Product Liability Insurance. Likewise, if it is a home-based business extra coverage on a homeowner’s policy may be necessary. The important thing is to be covered by the right New Jersey Business Property Casualty Insurance package.

One incident can wipe out a small business when coverage is not there. Because of this, taking the time to evaluate the needs of the business can save it down the road. As a reputable Bergen County Property Casualty Insurance Agency we will provide the knowledge to get the proper coverage in place.

Lyndhurst NJ Business Insurance Agent!

Contact the team at Bogle Agency Insurance today and learn more about local NJ Business Insurance options. We welcome the opportunity to customize a package based upon unique needs of the business. Let our knowledge and experience serve as guide, Bogle Agency Insurance will inform you about Business Insurance in Bergen County NJ an beyond!

NJ Insurance, Hurricane Coverage and Claims

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NJ Insurance, Hurricane Coverage and Claims

Hurricane Preparedness NJ Bogle Agency Insurance Hurricane Insurance

NJ insurance concerns often relate to hurricane coverage and claims. A hurricane is a weather event that none of us have control over. While many come and go leaving little more than a few branches in the yard and puddles in the driveway others can leave fallen trees and flooding in the basement. Regardless of what may or may not occur it is important to sit down with your Bergen County insurance agent to make sure you have the hurricane coverage you need.

A hurricane means torrential rains, often resulting in flooding; powerful winds that can bring down trees and blow away anything not tied down; and violent waves causing erosion and more. Most people think about hurricane damage occurring to homes. But it is important to realize that damage can occur to businesses as well. It is important that your NJ commercial insurance policy offers the coverage you need to give peace of mind when a hurricane hits.

Post hurricane tips for your business:

  • Make sure you can account for all employees who were at your facility during the storm.  If rescuers are needed call the appropriate emergency response group.
  • Be careful of flooded areas and be aware that the water may contain hazardous materials.
  • Do not drive through bodies of water.  A puddle may look like a puddle but could be far deeper than you realize.
  • Pools of water may have an electric charge so stay clear.
  • Have your building inspected by an engineer.  Wind damage could be more severe than you think.
  • Photograph all damage and make an appointment for an assessor to come out to survey the extent of damage.

Hurricanes are a fact of life when living near the coast. The aftermath can be shocking and costly. Understanding your homeowners insurance or your commercial insurance is essential. Sit down with your New Jersey insurance agent today and learn more about coverage and the claims procedure in the event of a hurricane.

Bogle Agency Insurance, your NJ insurance experts

Contact our team at Bogle Agency Insurance today to learn more about homeowners insurance in Bergen County NJ. We welcome the opportunity to help you evaluate your coverage. Let our knowledge and experience serve as your guide to NJ insurance, making sure you understand Hurricane coverage completely.

Lyndhurst NJ Umbrella Insurance

Personal Umbrella Insurance

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Personal Umbrella Insurance Starts Where Primary Leaves Off

Personal Umbrella Insurance Starts Where Primary Leaves Off | Bogle
Bogle Agency Insurance, your NJ insurance experts

Personal umbrella insurance starts where your primary insurance leaves off. Insurance products are often limited, including homeowners insurance, auto insurance, and health insurance to name a few. While these products offer the coverage you need, Umbrella insurance can help you cover the unexpected. It is available to step in when your insurance doesn’t cover the full amount of a settlement.  Your Lyndhurst NJ insurance agent is here to evaluate your individual needs and ensure a policy is drafted to deliver the coverage you require.

How Does Personal Umbrella Insurance Work?

Umbrella Insurance is exactly what it sounds like. It is a policy that covers you above your other policies. By having Umbrella Insurance, you are ensuring that, in the event of an unexpected lawsuit, you are covered completely. For instance, if an unfortunate event occurs at your home and results in your family being sued $2 million, but your homeowner’s insurance only covers up to $1 Million you’d be left to cover the difference. This could result in losing your home, cars and much more. However, If you’re covered by Personal Umbrella insurance, the policy would step in and cover that additional $1 Million, leaving you and your family safe from financial disaster.

What Does Personal Umbrella Insurance Cover?

A New Jersey umbrella insurance policy provides additional coverage on top of your homeowner’s policy, your auto policy, or your boat insurance policy. This is extremely helpful should you be sued for amounts above the limit provided by your general policies. Umbrella insurance, however, is not a requirement. But, it is certainly recommended for anyone with significant assets or savings.

In addition to extra coverage for your primary insurance policies, umbrella insurance will cover liabilities incurred by activities in which you partake outside of what your general liability insurance covers. This can include coaching, volunteering, playing sports, and even serving on the board of a non-profit.  Umbrella insurance covers the unforeseen and offers peace of mind in unusual circumstances.

Learn More About Personal Umbrella Insurance

Contact our team at Bogle Agency Insurance today to learn more about New Jersey insurance products. Our experienced agents look forward to explaining umbrella insurance policies and whether one is necessary for you and your family. Let our knowledge and experience serve as your guide to personal umbrella insurance in Bergen County NJ.

Why Use an Insurance Agent?

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Bergen County NJ Insurance Agent | Bogle Agency Insurance

NJ business insurance
Bogle Agency Insurance, your Lyndhurst NJ insurance experts

Most people search for everything online these days, and insurance agents are no exception. However, it’s important to realize that search results simply cannot replace human interaction and local knowledge. If you are looking for a particular type of insurance in Bergen County, our independent insurance agents at Bogle Agency Insurance can help you find the coverage you need.

 

What Do Insurance Agents Do For The Customer?

In the simplest terms, an insurance agent works as a liaison between you and the insurance company, providing all of your administration needs and helping you find coverage that suits your needs. There are two types of insurance agents: captive and independent. Captive agents represent one company and independent agents provide a conduit to numerous agencies. Bogle Insurance Agency acts as an independent insurance agent, offering you access to numerous products from a variety of companies, ensuring that you get the coverage you need from the insurance company that will provide you with the best value and service. Insurance agents act on behalf of the insurance companies they are representing.

An insurance broker is a licensed and educated individual who has the ability to analyze the needs of a business. This is similar to an independent agent but in this case, a broker is required to hold a broker’s license. As a result, there is a higher liability associated with the license and the expertise a broker provides. There is often a charge associated with a brokerage as well in addition to the commission realized from the insurance company. Brokers represent the insured.

 

Deciding How To Choose Your Insurance Representative

 

The choice of whether you go with a Bergen County insurance agent or a broker is yours. Your top priority should be getting the coverage you need at a fair price and choosing a company with a solid reputation matters. Bogle Agency Insurance has extensive experience selling insurance in Bergen County. We represent a large number of insurance companies allowing us to help our clients select the best possible coverage and obtain the best pricing at the same time. In addition, our Bergen County insurance agency is a member of the American Insurance Marketing and Sales Society (AIMS), Independent Insurance Agents of America (IIAA), and Professional Insurance Agents Association (PIA). We have access to a limitless number of resources, are highly knowledgeable, and look out for the best interests of our clients.

Contact our team of Bergen County insurance agents today to learn more about your insurance options.

Bergen County Fire Safety For Homeowners

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Bergen County Homeowners Fire Safety Tips | Bergen County NJ Homeowners Insurance

Bergen County Homeowners Fire Safety Tips

Fire safety in Bergen County is important for everyone to practice. It is also a very important element of any Bergen County homeowners insurance policy that homeowners must be sure provides them adequate coverage.  Bogle Agency Insurance will make sure that you have all the right coverage for your home, and also provide Bergen County Homeowners fire safety tips to help keep your family and your investment safe.

From installing smoke detectors to annual chimney sweeps and everything in between, knowing your home is safe and prepared for a fire is essential.  If you have any doubts about how prepared your home is in the event of a fire you can consult your local Bergen County insurance agent or your fire department.

Fire safety tips include:

  • having a working fire extinguisher in every floor in your home.
  • installing smoke detectors on every floor
  • monthly testing of fire alarms
  • installing an alarm system that notifies the fire department if tripped
  • creating a fire escape plan and talk about it with your family on a consistent basis
  • cleaning lint away from clothes dryers
  • keeping things away from light bulbs
  • not overloading your outlets

We honestly could provide a seemingly endless list of fire safety tips, but many of them come down to common sense. The most important thing is to be aware and alert.  Never assume your home is clear of obstacles. Take some time to look around your home each month to make sure it is free of fire hazards.

Homeowners insurance in Bergen County is necessary to cover unforeseen accidents, incidents, damage, and catastrophes.  However, following Bergen County Homeowners fire safety tips will significantly reduce your risk of a house fire.  Knowing your home is as safe and protected as possible is a key element of healthy living.

 Click here for an extensive list of fire safety tips from the National Fire Protection Association.

Contact our team at Bogle Insurance today to learn more about homeowners insurance and Bergen County Homeowners fire safety tips.  Our full service Bergen County insurance agency can help you with all of your coverage needs, including homeowners insurance, auto insurance, and business insurance.  Let us serve as your guide to insurance in Lyndhurst NJ and throughout Bergen County.