Nj commercial umbrella insurance

NJ Commercial Umbrella Insurance | Bogle Agency Insurance

Commercial Umbrella Insurance Provides Extra Layer of Protection For Businesses


Nj commercial umbrella insurance
Bogle Agency Insurance, coverage for your home and business

Commercial umbrella insurance provides an extra layer of protection for business owners. Owning and operating a business involves a certain amount of risks, some industries have more risks than others. Having this extra protection is instrumental to protecting your business and your own personal finances. A New Jersey commercial umbrella insurance policy makes sure that your business is covered where your standard commercial policy may run out.

Businesses face risks every day. From the more obvious, like slips & falls to the not so expected false advertising lawsuit. Your business most likely holds commercial vehicle coverage, Commercial property insurance, worker’s compensation insurance, and general liability insurance among its policies. However, these policies typically have a limited payout amount. That is where Commercial Umbrella Insurance comes in. In the event of a large lawsuit, Your Bergen County commercial umbrella policy will protect you and your business.

How Does Commercial Umbrella Insurance Work?

All businesses are required to have some sort of insurance. This insurance covers everyday risks of doing business. In the event of a lawsuit, the business may be forced to pay out damages to whoever, or whatever is damaged. Let’s say you have been sued for false advertising and required to pay back $1.5 Million to your customers. Your general business liability insurance will cover $1 Million as per your policy, but the remaining $500,000 is left for you to pay out of pocket. In order to protect yourself, and your business, Commercial Umbrella Insurance will step in and cover the remaining $500,000. This leaves you free to continue conducting business without worrying about being stuck in a bad financial state.

Learn More About NJ Commercial Umbrella Insurance

Contact our team at Bogle Agency Insurance today to learn more about New Jersey commercial umbrella insurance policies. Our experienced agents look forward to evaluating your business insurance needs to ensure that you have the coverage you require. Let our knowledge and experience serve as your guide to commercial umbrella insurance in Lyndhurst NJ.

NJ Business/Commercial Insurance, Types of Coverage Needed

NJ Commercial Insurance | Types of Insurance Coverage Needed For Businesses


Nj commercial insurance
Bogle Agency Insurance, coverage for your home and business

NJ commercial insurance requires different types of coverage to ensure success and to cover your assets. Types of business insurance coverage include Workers Comp, Employer Practices Liability Insurance (EPLI), General Liability, Business Automobile, and Commercial Umbrella. Of course, different sized organizations need different sized policies and coverage. Choosing the right insurance policies for your business should be a number one priority!

Understanding What Your Business Needs Is Essential

It is helpful for NJ business owners to understand the different types of commercial coverage needed. Below is a basic rundown of the different policies that may be needed for your business.

  • Workers Compensation Insurance covers an employee when he/she is injured on the job. This policy also protects an employer from being sued by the injured employee. Even companies with low risk of injury are required to hold NJ workers comp insurance. And there is a reason for that, even low-risk positions could result in unexpected injury, so it is best
  • Employer Practices Liability Insurance (EPLI) is coverage for the employer. There is a lot of risks involved with employing people and EPLI keeps a business covered. Of course, understanding policies and procedures as well as having excellent record keeping can help lower costs for EPLI.
  • General Liability Insurance covers a business for the unexpected, whether its a slip and fall on the premises or property damage incurred. Liability insurance protects not only assets, but also the company itself from potential lawsuits or even having to pay out damages.
  • Business Automobile Insurance covers your vehicles and your employees driving the vehicles. This is essential coverage for any business that owns vehicles of any type. Traditional vehicle insurance does not typically cover vehicles used in a business setting or manner. So, it is important to make sure your vehicle is covered for commercial use!
  • Commercial Umbrella policies cover additional liabilities resulting from lawsuits or other damage. This is an extra layer of insurance designed to protect a company’s assets in the event of an unexpected situation that regular insurance may not cover. Commercial umbrella insurance is a great way to avoid the stress of wondering if your regular business insurance is enough coverage.

Because each business is different, commercial insurance policies are not one size fits all. In addition to the commercial insurance policies listed above, there are other policies you may desire, such as cyber insurance.  The size of your company, the type of business you are running, as well as your property and equipment owned all contribute to the type of business insurance you need. Your Lyndhurst NJ insurance agent at Bogle Agency Insurance will be extremely helpful in ensuring that your company’s insurance needs are met and your assets are covered

Learn more about NJ commercial insurance policies

Contact Bogle Agency Insurance today to learn more about business insurance in New Jersey. We welcome the opportunity to provide you with information on how to best protect your business and your assets. Let our knowledge and experience serve as your guide to NJ commercial insurance.

Bundled Insurance Packages | Home & Auto Insurance

Combining Home & Auto Insurance with Bogle Saves Money


Combining Home & Auto Insurance | Bogle Agency Insurance
Bogle Agency Insurance, insurance coverage for your home or office

Combining home & auto insurance with Bogle saves you money. Who doesn’t want to save money? The reality is that bundling insurance products can be a great idea. However, having knowledge of your policy matters. Not all products are created equal and understanding the differences between products matters. Advice from an experienced Bergen County insurance agent can help ensure that you save money on your auto and homeowners Policy.

Bundling auto and home insurance policies offers an opportunity to save money, except for when it doesn’t. Your NJ insurance agent understands this and will recommend bundling when it makes sense for you and your family. There are times when bundling can become more expensive and separate policies with separate companies becomes the better choice. However, these are all factors that an insurance agent can piece together to save you the most money on your policies.

Combining home & auto insurance? Make sure coverage meets your needs

When it comes to insurance for home and auto, coverage matters. Oftentimes price and coverage are not necessarily complimentary. In other words, a low price might mean less coverage or inadequate coverage. The cost savings for bundling your NJ home and auto insurance policies should not reduce the quality of your coverage. Working with an insurance agent can make sure that your newly bundled policies not only save you money but also provides you with the right amount of coverage for your needs.

Learn more about New Jersey insurance options

Contact our team at Bogle Agency Insurance today to learn more about New Jersey insurance options for your home or business. Our experienced agents will do the legwork to present you with options that make sense financially and practically. Let our knowledge and experience serve as your guide to combing home and auto insurance in Bergen County NJ.

Lines Of Insurance

Cyber insurance NJ

Cyber Insurance for Businesses

Cyber Insurance Becoming Increasingly Important for Businesses to Have


Cyber insurance NJ
Bogle Agency Insurance, serving insurance needs for business and individuals

Cyber insurance is becoming an important resource for businesses to have. Cyber threats and attacks are becoming more and more commonplace.  Because of this, insurance needs have grown and changed.  However, not every business has adequate defense against such action. As a result, cyber insurance coverage should be considered a critical NJ business insurance policy to have.

New Jersey Cyber Insurance proves to be even more important for small businesses. While many large companies have a dedicated tech team, often smaller businesses do not. Many small businesses don’t have the budget or think cybersecurity is an unnecessary extra. As a result, small businesses can be more vulnerable, and hackers know this!

Small businesses are a target for cyber attacks

Small businesses are a target for cybercriminals because of their vulnerability. Likewise, many small businesses do not have the resources needed to recover from cybersecurity attacks. Luckily, the proper insurance coverage alleviates this stress. Sit down with an experienced NJ insurance agent from Bogle Agency Insurance today to discuss whether your business insurance covers cyber breaches.

What can you expect from a New Jersey business insurance policy? Insurance is designed to protect your presence on the internet. Policies differ to meet varying needs. Some companies need to be protected against hackers while others need to protect their intellectual content. A cyber insurance policy can offer security and peace of mind when it comes to small business vulnerability. Best of all, cyber insurance can cover business interruption if something ever happens.

Learn more about cyber insurance for your business

Cyber crimes offer a real threat to your business and knowing protection is in place offers peace of mind. Contact our team at Bogle Agency Insurance today and learn more about cyber insurance options from experienced Lyndhurst NJ insurance agents. Our goal is to inform you and help you.  Let us design a coverage package that meets your individual needs. Cyber insurance is becoming more important for businesses to have and we want to make sure your business is protected.

Click here to read “Does your business need cyber liability insurance?” from Biz Journals.

NJ Insurance

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

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

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.

NJ Homeowners Insurance

NJ Homeowners Insurance, Should You Increase When Home Values Go Up?

NJ Homeowners Insurance, Should You Increase When Home Values Go Up?


NJ Homeowners Insurance | Bogle Agency Insurance NJ
Bogle Agency Insurance, NJ homeowners insurance experts

A common question among policy holders of NJ homeowners insurance is whether you should increase your policy amounts when home values go up. It’s a great question to ponder and one even more important to discuss with your advisor. An experienced Bergen County insurance agent will sit down with you to discuss your options.

When a home increases significantly in value, you want to make sure it is covered in the event of the unforeseen. In addition, new purchases like expensive artwork or furniture should be inventoried. However, not every increase in value requires additional insurance. When the home values are increasing for typical market reasons, like supply and demand, increased NJ homeowners insurance coverage is most likely not necessary.

Remodeling adds value, may need more coverage

If your home’s value is tied to a major remodel it would not hurt to sit down with your NJ insurance agent. It makes sense that a major investment like an addition, new kitchen, or remodeled basement would make an impact on the price of a home. Making sure your insurance is valid to cover its new value is essential.

Contact Bogle Agency Insurance today!

Home values increase over time, that is a given. This does make one wonder whether your original New Jersey insurance policy is adequate. Your agent at Bogle Agency Insurance will evaluate your homeowners insurance policy to ensure that your home is covered. Contact our team today for peace of mind when it comes to NJ homeowners insurance.

Our team, based in Lyndhurst New Jersey, is well-versed in all insurance products.  Let us help you evaluate your auto, business, homeowners, and umbrella policies.  Our goal is to make sure that you understand what you have and what you need.  Call (201) 939-1076 today and set an appointment to evaluate your NJ insurance policies.

Winter Preparation for your Home & Business

Is Your Home or Business Ready for Winter? | Bogle Agency Insurance


Preparing your home for winter | Bogle Agency Insurance

Is your home or business prepared for winter? This is an important question to ask yourself. Winter readiness can save you from undue stress and prevent you from having to perform costly repairs. . Snow loads and freezing temperatures are but two things that can do a number on a building or a property. Preparing your home and business for winter is important! Your Lyndhurst NJ Insurance Agency is a great resource for this process.

Whether you’re preparing your home for winter or preparing your business for winter, it doesn’t have to be challenging. For starters, you can take the time to make sure all outdoor plumbing is turned off and irrigation lines have been blown out. Frozen pipes can burst and cause significant damage. Ensuring that any pipes that are exposed to cold temperatures are insulated is important as well. While some homeowners insurance policies cover frozen pipes, you need to check with your insurance agent to make sure that you are covered in the event of burst plumbing in your house and property. Insurance companies say you should have your heating system checked regularly as well. Keeping a home or business warm is important! While you do not need to keep your home hot, it should be warm enough that the pipes cannot freeze!

It is also important to keep your gutters clear of leaves and ice. Blocked gutters can cause significant damage to your home such as major roof leaks, or permanently damaging your gutter system. Many insurance policies do not cover damages caused by clogged gutters. To prevent clogged or blocked gutters, you can use heat tape (heat cable) to prevent an ice buildup during the winter months. You can also hire a local gutter cleaning service to make sure your gutters are not clogged with leaves during the fall. Insurance companies also insist that you perform a seasonal check of your gutters to make sure you are not in danger of any potential damages.

A lack of preparation can hurt your home and business more than you know. If damage occurs to your home or business due to negligence, you may not be covered by homeowners insurance or business insurance. The lesson here lies in preparation. Planning ahead, taking precautionary measures and ensuring your home is up to par with regulations can help you ease your mind. Damages caused during winter months due to negligence, such as clogged gutters, are not usually covered by insurance. However, by taking precautionary measures, you can decrease the likelihood of damage and your own personal liability.

Learn more about Bergen County insurance and getting ready for winter

Contact our Bergen County insurance agents at Bogle Agency today to learn more about NJ homeowners insurance and business insurance. We welcome the opportunity to offer advice on how to prepare your home and business for winter. Let our knowledge and experience serve as your guide to Insurance in New Jersey and answer the question: is your home or business ready for winter?

 

Types of Insurance New Businesses Need in New Jersey

Types of Insurance For New Businesses in New Jersey | NJ Business Insurance


Types of Business Insurance for New Businesses | Bogle Agency Insurance
Bogle Agency Insurance, your Lyndhurst NJ insurance experts

Understanding the types of insurance that new businesses need in New Jersey is helpful for business owners and entrepreneurs. Insurance is there for the unexpected, getting started with the right business insurance coverage is crucial. A business with coverage for the unforeseen can be the difference between success and failure. The right kind of coverage is even more important! Sit down with a NJ insurance agent before opening the doors to your new business and make sure you are protected from day one.

What types of insurance might your new business need?

These are but a few types of business insurance coverage needed. Other options exist.  For example, if you are manufacturing a product you may want Product Liability Insurance. Likewise, if you are starting a home-based business you may need extra coverage on your homeowner’s policy or perhaps an additional policy altogether. The important thing is to be covered by the right New Jersey business insurance package.

One incident can wipe out a small business if the coverage is not there. Because of this taking the time to evaluate the needs of your business can save your business down the road. As a result, doing your homework is essential.  And reputable Bergen County insurance agency will provide the knowledge you need to get the coverage your business requires.

Contact Your Lyndhurst NJ Business Insurance agents at Bogle Agency Insurance today

Contact our team at Bogle Agency Insurance today and learn more about Lyndhurst NJ business insurance options. We welcome the opportunity to customize an insurance package based on the unique needs of your business. We ensure that you have the coverage you need to thrive. Let our knowledge and experience guide you. Bogle Agency Insurance will teach you about insurance in Bergen County.  As a result, learn more about types of insurance that new businesses need.

Why it’s a Good Idea for an Annual Policy Review

Why it’s a Good Idea for an Annual Insurance Policy Review


Annual Insurance Policy Review | Bogle Agency Insurance

There are many reasons while its a good idea for an annual insurance policy review when it comes to your Bergen County insurance policies. Let’s face it, elements of your life are constantly changing.  When you don’t review your insurance policies on a yearly basis there can be gaps in coverage.   Changes that occur in your life could include a new vehicle, the purchase of art, or perhaps the acquisition of new equipment for your business. This is why Bogle Agency Insurance, the go-to source for insurance in New Jersey, recommends an annual insurance policy review.

Questions to ask yourself:

These are but a few things to consider when reviewing your current NJ insurance policies. Life moves at such a fast pace that we may not even realize the changes that are occurring affect our insurance coverage. Should you have any major changes in your life at any time during a policy’s term we recommend that you contact Bogle Agency Insurance 201-939-1076, to discuss the changes.

Contact Bogle Agency Insurance today for your annual insurance policy review

Contact our team at Bogle Agency Insurance today to schedule a review of your current New Jersey insurance policies. We will help make sure that there are no gaps in your coverage. In addition, we will make sure that you do not have unnecessary coverage. Let our knowledge and experience offer the advice you need to cover the unexpected. An annual policy review is always a good idea.  And an experienced Lyndhurst NJ insurance agent is essential in making sure you have the coverage you need.