A SUPER PARTY DOESN’T HAVE TO MEAN SUPER RISK

If you’re planning on hosting a Super Bowl party this Sunday, all of us at Bogle Agency Insurance hope you know and manage the risks of hosting such an event.

Unfortunately, individuals hosting parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost wages from work, and even wrongful death. You could also be held liable if a guest has a slip and fall accident while on your property.

Bogle Agency Insurance recommends that those planning to host Super Bowl parties this year review their homeowners, renter’s or comprehensive general liability (CGL) insurance policy to ensure you have adequate liability coverage if sued and found liable for accidents that arise from hosting a Super Bowl party.

If you have any questions regarding your coverage, feel free to give us a call at 201-939-1076 or 1-877-453-7358. We’d be happy to review your existing policies and recommend additional coverage, if required.

At Bogle Agency Insurance, we’re members of Trusted Choice and here’s their list of tips to make sure you’re adequately covered.

LIABILITY COVERAGE TIPS:

• If hosting a Super Bowl party, individuals should look to the liability portion of their homeowners or renters insurance policy to provide them protection if they are sued and found liable for an accident involving a guest who drank at their home.

• Purchasing a personal “umbrella” liability policy—that can provide $1 million or more in additional coverage over the limit offered by a standard homeowners or renters pollicy—may be a prudent move for the frequent party host. This type of coverage can cost as little as $125 a year.

PARTY HOST SAFETY TIPS:

· Limit guest list to those you know.

· Make sure your driveway, sidewalks and your porch are clear of snow or ice for guests and delivery people.

· Ensure your home’s entry is in good condition, free of loose or broken pieces on stairwells and walkways to avoid the chance of injuries on your property.

· Make sure there is adequate outdoor lighting.

· Provide filling food for guests and alternative non-alcoholic beverages.

· Schedule activities or entertainment not involving alcohol. If the party centers on drinking, it is likely that guests will drink more.

· Arrange transportation or overnight accommodations for those who should not drive home.

· Stop serving alcohol well before the time the party is to end. For the Super Bowl, stop serving at half-time.

· Do not serve guests who are visibly intoxicated.

· Consider hiring an off-duty police officer to discretely monitor guests’ sobriety or handle any alcohol-related problems as guests leave.

· Stay alert yourself, always remembering your responsibilities as a host.

Remember, our mission at Bogle Agency Insurance is to offer you the best possible options, the most competitive price, and top-notch service for all of your New Jersey insurance needs. Thank you, and enjoy the game!

-30-

 New Year – New Faces At Bogle Agency Insurance

Bogle Agency Insurance is pleased to announce the addition of two new staff members to the team for 2013 and beyond! We welcome Matthew Huppert and Angela Intindola to our Lyndhurst, NJ office.

Matthew joins us as an outside sales producer, concentrating mainly in commercial lines of insurance, but hopes to also incorporate the personal lines side as well. He lives in Lake Hiawatha, NJ with his wife, Heidi and their six-year-old son. Matthew graduated from Parsippany High School and went on to Rutgers, the state University of New Jersey, where he received a Bachelor of Arts degree in communications. He enjoys spending time with his family and is actively involved with their church. He enjoys all kinds of music and actually plays the guitar!

While the field of communications might not be a natural transition for the rigors of insurance, Matthew was drawn to the business. “I really enjoy working with people,” said Huppert. “I am naturally curious and really enjoy learning about people’s businesses. In addition, I see the insurance industry as more of a career than just a job; its something that becomes part of your identity. Plus, helping people can be extremely rewarding.”

Another newcomer to the world of insurance is Angela Intindola. While she is not an agent, she joins Bogle Agency Insurance to assist in the accounting department on a full-time basis, helping Erica Bogle-Patrk. Angela is originally from nearby East Rutherford, NJ, but has lived locally in Lyndhurst for over seven years. She’s married, having raised three children.

We hope you’ll join us in welcoming Matthew and Angela to the Bogle Agency Insurance staff and feel free to contact them if you are in need of their help.

We also hope you will continue to follow Bogle Agency Insurance on it’s website, Facebook, Twitter, and Linked In. If we can help you with any insurance question or need, feel free to give us a call at 201-939-1076 or 1-877-453-7358.

Bogle Agency Insurance, founded in 1919, is a full service, independent insurance agency, offering personal and commercial insurance products and services to the local community and throughout New Jersey. We are members of Consolidated Insurance Agents of New Jersey and have received the prestigious IIABA “Best Practices” award for nine straight years.

-30-