Lyndhurst NJ Umbrella Insurance

Home-Based Business Insurance: Do You Have the Coverage You Need?

Posted by B3X2lG9n0X3 on

Insurance for Home Business: What Insurance Should Home-Based Businesses Have?

Home-Based Business Insurance: Do You Have the Coverage You Need?
Bogle Agency Insurance, your NJ insurance experts

Curious about home-based business insurance? More importantly, do you have the coverage you need for your home-based business? This is an important question to ask yourself if you are operating a business from your Bergen County home. Starting a business from home is exactly where many businesses begin these days. Unfortunately, insurance is often overlooked. Furthermore, some home-based business owners assume to be covered by their NJ homeowners insurance policy. Unfortunately, a homeowners policy does not always offer the necessary coverage.

Does Your Home-Based Business Need Insurance?

Not every home-based business has the same insurance needs. While some of these needs may be met by the simple addition of a rider to the homeowner’s insurance policy other options may be needed. Other options include an in-home business insurance policy or simply a commercial insurance policy. The important thing to remember is that business insurance protects you from claims that could destroy your business. A claim could be as as simple as a delivery person injuring himself when delivering a package to your business.

A company does not have to be large to warrant insurance. It is the particulars that will change additional provision to the policy that is best for you. Insurance needs vary from one business to the next and determining how much coverage is required depends on your comfort level. This decision is best decided upon with a highly qualified Lyndhurst NJ insurance agent.

Types of Home-based Business Insurance Coverage Vary

Types of commercial insurance coverage include coverage for equipment breakdown, the interruption of business, data loss, and data breach. If you have employees you may need Employment Practices Liability Insurance (EPLI). The list is long when it comes to NJ commercial insurance coverage.

Home-based businesses vary and so do their insurance needs. If you have a home-based business and are curious about the coverage you need, you should sit down with a reputable insurance agent. Bogle Agency Insurance is a premier insurance provider in Bergen County NJ.

Contact Bogle Agency Insurance today

Contact our team at Bogle Agency Insurance to learn more about Bergen County business and commercial insurance policies. It is important to protect your business. It is this protection that can help your business grow and thrive well into the future. Let our team help answer all of your questions, including: do you have the coverage you need for your home based business?

Avoiding Preventable Accidents In Your Home This Winter

Posted by B3X2lG9n0X3 on

Bergen County NJ Homeowners Insurance Coverage | Safety & Precautions

NJ Homeowners Insurance
Bogle Agency Insurance, NJ homeowners insurance experts

Being a homeowner is a hefty responsibility and making sure your investment is covered is the most vital step in protecting what is likely the largest and most important investment you’ll make in your life.  Sit down with a Bergen County insurance agent today to review your current policy and make sure you have the proper amount of coverage in place for both your home and your possessions.

Homeowners insurance offers peace of mind, protecting homeowners during times of unforeseen circumstances.  Unfortunately, not all homeowners insurance is equal.  You should review your homeowner’s insurance to make sure it meets your specific needs.  However, while insurance offers safety and protection it is also necessary for homeowners to take responsibility to avoid unfortunate incidents that are preventable.

Bergen County NJ Homeowners Insurance Coverage | Safety & Precaution Steps For Homeowners During Winter Include:

  • Keep sidewalks, driveways, and steps clear to help prevent people from tripping or falling
  • Annual inspections and servicing of the heating system, by the utility company or qualified service technician
  • Survey your home for ice build up on the roof
  • Keep electrical meter and connections free of snow accumulations
  • Keep an adequate supply of warm clothes, batteries, and food supplies in case there is a power loss or snow accumulations that keep you indoors for extended periods of time
  • Keep your cell phone charged
  • Make sure you have fuel for your car
  • If you have a snow blower make sure you have plenty of fuel on hand

Bogle Agency Insurance covers Homeowners in New Jersey

Let our team at Bogle Agency Insurance help you with all of your Bergen County insurance needs.  Knowing you have adequate coverage will provide you peace of mind and the ability to relax and enjoy your home.  Our agents can help examine your homeowner’s insurance policy to ensure that you have the coverage you need to protect your house and all of your belongings.  We welcome the opportunity to serve as your Lyndhurst NJ insurance agent and advise you on important homeowners safety measures and precautions.

Click here for some great additional information on home safety from USA.gov.