Isn’t being your own boss great? Owning your own business may be your greatest achievement, but without sufficient insurance, you could be at risk of losing everything you have worked so hard for. There are three basic types of NJ liability insurance your business needs for its assets to be properly protected.

General liability, sometimes called “slip-and-fall” insurance, may be the most well-known type of liability insurance. This coverage is designed to pay for the costs related to a third party being injured on your property. Not only does this kind of liability cover medical bills, but it could also pay for the court expenses should a lawsuit be filed against your business.

With product liability, you can be compensated for monetary losses due to malfunctioning or dangerous products. This type of coverage is not just for businesses that manufacture goods, but also those that sell and distribute them. How much coverage do you need? This depends on how high a risk you have of running into this kind of liability issue and how serious the type of injury that could occur.

Errors and omissions insurance, also known as “professional liability”, was created to protect business assets against claims of malpractice and negligence. This is common with medical professionals as well as lawyers. Many business owners could benefit from having this coverage, especially those that offer a service, such as personal trainers.

Is your business lacking in NJ liability insurance? Do not go one more day without the proper coverage. Contact an agent now to discuss the type of liability coverage most suitable for your enterprise. 

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Are you considering installing gas fueled appliances in your home? Gas is an efficient form of energy, making gas fueled appliances more economical to run than electrical appliances. Look for labels displaying high Energy Star ratings if you want to be sure of installing the most energy-efficient gas appliances. Any gas appliance should be installed by a licensed, qualified contractor, and it’s important to keep your insurer informed because changing the method of heating in your home may have implications for New Jersey homeowners insurance.

Chefs and keen cooks often prefer to cook with gas because it allows for better control of heating. Unlike electrical hotplates that are slow to respond and difficult to fine-tune, a gas flame responds instantly and can be adjusted precisely. However, the naked flame of a gas stove poses a risk of fire and it’s important for the cook to take extra care to avoid fires and burns. 

Although gas is efficient and controllable it is also volatile and a gas leak in your home has the potential to be extremely dangerous. Static electricity or a flame could set off an explosion, so if you smell gas, don’t try to investigate or diagnose the gas leak problem.  Leave your home immediately, and when you are in a safe location call for assistance. Don’t risk yours or your family’s personal safety: New Jersey home insurance coverage may compensate you for damage to your property but this is little consolation if you have been injured in a fire or explosion.

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Buying a washing machine is a major purchase, and if you are in the market for a new washing machine you’ll be keen to get good value for money. Your old washing machine may have failed and caused a flood in the laundry room and a water damage claim on your New Jersey homeowners insurance, so you’ll be looking to avoid that experience with your new washing machine.

You have probably noticed Energy Star rated front loading washing machines in the appliance showroom, and you may be wondering how an energy efficient washing machine saves energy. While a top loading washing machine rotates clothes and a full tub of water, a front loading washing machine rotates water through clothes at the bottom of the tub. This design difference is the key to most of the efficiency gain.

-Water use is reduced.  Energy efficient front loading washing machines typically use less than 25 gallons of water per load(compared with 40 gallons for a regular washing machine).
-Using less hot water saves on energy consumed in heating water.
-Using less water reduces the amount of laundry detergent used.
-Using less water reduces the amount of effluent that passes into the sewer system.
-Improved motors reduce electricity consumption.
-A final high speed spin cycle removes more water, reducing drying time and reducing energy consumed by the dryer.

Having chosen your new washing machine, prolong its life by maintaining it well. Make regular checks on the hoses of your washing machine to avoid a laundry flood and a claim on New Jersey homeowners insurance.

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Win a $25 Visa Gift Card from the Bogle Agency, just for sharing your story!

Are you ready for Valentine’s Day?  If not, maybe we can help! The Bogle Agency is proud to announce our New Contest, in conjunction with our latest innovative product:  Date Insurance!

At the Bogle Agency, we all like to have fun, and we recognize that Valentine’s Day can have its ups and downs.  It’s expensive to plan a Valentine’s Day date and sometimes, things don’t always go as planned.  The dinner, flowers, car service, chocolates, salon visit costs can add up, and we’d like to offer you a policy to cover those costs, in the event you don’t realize your V-Day dreams.  It’s called Date Insurance, and we offer remarkably affordable coverage for a minimal, one-time premium.

For further information about date insurance, or any other New Jersey insurance need, please call us at 1-877-453-7358, or visit our Virtual Insurance Agency at:  www.bogleagency.com.

To enter our contest, you must send your best Valentine’s Day Date story, good or bad, and submit it via e-mail to:  Bogle Valentine’s Contest.  You must also visit the Bogle Agency Facebook Fan Page and “Like” our page.  We will check!!  We encourage you to share the story and pictures on our page, but it is not a requirement to win. The more information you provide, the better your chance of winning a $25 Visa Gift Card.  And please, do remember that we are a family company!

The esteemed board of Bogle Judges will choose four winners on Monday, February 13^th and announce them on our blog, Facebook Page and Twitter account. We will also be posting the winning “Tales of Love”, so keep it tasteful.  We will closely monitor the submissions and the number of “Likes” each story gets, so encourage friends and family members to view your stories and share them

GOOD LUCK, EVERYONE!

The roof and roof gutters of your home do an important job in keeping out the elements, and roof maintenance and repairs should have a high priority in any home maintenance program. Ask your agent or insurer if you are uncertain what roof repairs are covered by New Jersey homeowners insurance.

There are two roof maintenance jobs that should be undertaken regularly.
•Inspect the roof for damage after extreme weather. Look for damaged roof covering and flashings, leaking gutters and downpipes and have them repaired so that the roof is weatherproof again.
•Clear gutters of leaves and other debris that could cause blockages, overflows and water damage. Fitting leaf guards over the gutters reduces the need to clear gutters frequently.

You must have the right ladders for accessing the roof, and proper equipment for working on the roof and gutters. It’s dangerous to use ladders that are unsuitable for the purpose, and working on the roof without the right equipment can cause further damage to the roof. Many people who are skilled and confident in DIY work around the home prefer not to attempt to inspect or repair a roof because they are uncomfortable working at heights.

Don’t take the risk of working on the roof unless you have the right equipment and are confident when working on a ladder. Hiring a professional roofing contractor to undertake regular inspection, maintenance and repair of your roof and gutters can set your mind at rest, prevent roof leaks and gutter overflows and avoid the drama of water damage claims on New Jersey homeowners insurance.

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