INSURING HOME-BASED BUSINESSES IN NJ

Is Your Home-Based Business Covered?

 

Lyndhurst NJ Business InsuranceAre you planning to start a home-based business? Do you already run a business from your home and are wondering about insurance coverage? Knowing about the insurance coverage you should have for a home-based business is in your best interest. Many times when someone starts a business from home, they assume their homeowners insurance will cover it. Some new home-based business owners don’t think about insurance at all. You do want to know about insuring home-based businesses in NJ and you should be aware that homeowners insurance doesn’t always offer the necessary coverage. Bogle Agency Insurance has been helping business owners in Bergen and Morris Counties for many years and can offer sound professional advice to all new entrepreneurs.

 

What Kind of Insurance Does Your Home-Based Business Require?

 

In some cases coverage for a home-based business can be obtained by adding a rider to your homeowner’s policy. You could also opt for a home-based business insurance policy or a commercial business insurance policy. All home centered businesses do not need the same coverage. The type of protection you need depends upon the nature of the business you want to insure. The important thing to keep in mind is that business insurance protects you from claims that could destroy your business.

Your business might need coverage for the breakdown of equipment, the interruption of business, data loss, or data breach. If your business has employees you need liability insurance. The type of business you are running determines the insurance you need. Bogle Agency Insurance focuses on making certain your small business is covered by taking all of these factors into consideration when offering advice.  We know what is needed for insuring home-based businesses in NJ.

 

Information Is Key to Proper Protection

 

The team at Bogle Agency Insurance can help you learn about New Jersey business and commercial insurance. Our knowledge and experience can guide you to the protection your particular home-based business needs. We are also expert in all insurance coverages, such as Life Insurance, Health Insurance, Homeowners Insurance, Automobile Insurance, etc. Give us a call today at (201) 939-1076.

CHUBB MASTERPIECE AUTOMOBILE INSURANCE

Complex Automobile Coverage

 

 

Lyndhurst NJ Automobile Insurance

 

Most cars today are constructed for fuel efficiency with lightweight materials. They also contain technology for added safety protection. Most new cars come with additional comfort and entertainment components. This makes modern automobiles complex and expensive to maintain. Whether your car is an everyday family vehicle or an exotic foreign made specialty automobile, Chubb Masterpiece Insurance covers you. Bogle Agency Insurance offers this Chubb Masterpiece Automobile Insurance to our NJ clients.

 

Highest Standards for Repair and Replacement

 

Chubb’s response to an accident is swift and always professional. They insist on maintaining high standards of repair for the safety of our clients. Auto Technical Specialists see that your vehicle is repaired correctly and to manufacturers standards. These specialists are certified collision repair experts, and if they deem repair impossible, Chubb covers you for a total loss. This makes Chubb Masterpiece coverage a very good value.

 

Discuss this premier coverage with Bogle

 

Bogle offers Chubb Masterpiece Auto Preference insurance to our NJ clients. This premium insurance offers complete protection for your automobile. We welcome a call from you to talk about automobile insurance. Our goal is to offer the best automobile coverage on the market for the safety and protection of our clients. We can be reached at (201) 939-1076 for consultation with our agents. Ask about our High Value Asset Personal Lines Insurance with Chubb.

LIFE INSURANCE OPTIONS

What Is Life Insurance?

 

life insurance bergen county nj
Life Insurance is protection against financial setbacks that your family could face if you should pass away unexpectedly. That is assuming that you are the breadwinner in the family and they would be left without income. There are two types of Life Insurance – Term Life Insurance and Whole Life Insurance. Term Life Insurance pays only death benefits, and only if you die within the term limits of the policy. The name “Term Life Insurance” means this type of policy is purchased for a specific period of time or “term”, such as 5, 10, 15, or 30 years. Whole Life Insurance covers you for the rest of your life. This type of policy provides a payoff at time of death, as well as other benefits which have been built during the life of the policy.  Bogle Agency Insurance agents will guide you through the Life Insurance options that are available.

 

What Are Some NJ Life Insurance Options?

 

The most basic Life Insurance policy provides a death benefit to your beneficiaries to cover funeral expenses and the loss of your income. There are other options and they can include the following.

  • Cost of Living: Life Insurance can cover your family’s expenses such as mortgage payments, college expenses, and even outstanding debts.
  • Trusts or Charities: Life Insurance can be set up to pass on to your heirs or to a favorite charity.
  • Retirement and Estate Planning: A Life Insurance policy can be structured to pay for your cost of living during retirement or for estate planning. It can even cover the cost of remaining life insurance premiums.
  • Business Continuation: Business owners can buy Life Insurance to protect their business if they should die. An agreement can be made whereby the insurance pays benefits to a surviving co-owner with the money to purchase the share of the business owned by you.

 

What’s the Difference Between Term Life Insurance and Whole Life Insurance?

 

Term Life Insurance only provides death benefits and pays only if you die within the term limits of the policy. This type of Life Insurance is the most affordable, but becomes more expensive as you grow older. Term Life Insurance can be converted to Whole Life Insurance.

Whole Life Insurance covers you for the rest of your life. It pays death benefits and usually has other benefits. In most cases you have to qualify with a health exam. This type of Life Insurance has higher premiums than Term Life at first, but if it remains in force for a long time it can become a money saver.

Term and Whole Life Insurance coverage can be combined to build value during your lifetime. It can supplement certain periods of your life when you have high expenses, such as when paying for a mortgage or when your children go to college.

 

Call Upon A NJ Insurance Expert

 

Choosing the Life Insurance option that fits your needs can be a difficult decision. Bogle Agency Insurance agents have the knowledge and experience to guide you through the options and help you make the best choice. We advocate for our Bergen and Morris County NJ clients and are focused on helping you make the proper decisions regarding insurance needs.

Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

Call us for a consultation at (201) 939-1076.

HIGH VALUE ASSET COVERAGE BENEFITS

What Are The Benefits Of High Value Asset Coverage?

 

property insurance bergen county nj

 

Bogle Agency Insurance offers “insurance coverage for successful families and individuals with high-value assets“. This coverage is provided for NJ clients by Chubb. We feel it is premier protection for the more valuable assets you and your family possess. Also covered may be higher liability risks, or even internet security. High Value Asset coverage benefits are great service and superior expertise.

 

Some Specific Benefits

 

1. Qualified experts are recommended to evaluate assets and properly insure them. These experts are experienced in assessing the value of artwork, antiques, rare books, jewelry and numerous other items that are irreplaceable.

2. You may be a first-time home buyer who is building their dream house. You may be furnishing it with unique items that are one-of-a-kind. You may be purchasing a large house on many acres of land that requires more protection than standard homeowner’s insurance provides. We have years of experience advising first-time home buyers, including those with more to insure.

3. If any of your valuable or unusual assets need to be replaced, experts are provided who can identify the quality of those items. We never offer inferior replacements.

4. When needed, top quality contractors and specialists are recommended.

5. This coverage is wide-ranging, not partial.

6. If you should need to file a claim,  Claims Service is very responsive to you. Chubb’s adjusters work quickly to help you. Whether the claim is for replacement of a stolen or damaged item, or because of an accident, our staff stands ready to support you. We offer a compassionate ear and the information you need to carry on after a loss.

7. Inflation protection is offered.

These are just some benefits of this special coverage. For a full evaluation of your insurance requirements, and to learn what is available, you should sit down and consult with one of our agents.

 

Protection Focused On You!

 

This extra coverage is for dealing with extraordinary circumstances and higher than usual personal assets. You have undoubtedly worked hard to attain the level of lifestyle you enjoy and it should be property protected. We all know life is full of surprises and being prepared is always essential. Bogle Agency Insurance is offering this Chubb coverage to provide protection, support and service. We are experienced in dealing with unique individuals and situations like yours and we are ready to give your needs our fullest attention. If you feel this special coverage is for you, please call us at (201) 939-1076 for a consultation.

Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

SHOPPING FOR HEALTH INSURANCE IN NJ

Some Tips When Shopping For Health Insurance In New Jersey

 

health insurance bergen county nj

 

When you are in the market for NJ Health Insurance, below are a few helpful tips to consider. Your aim is to get good coverage but also to save money. A Bogle Agency Insurance agent can be your guide in the quest for the best policy for yourself and your family, or for your business. You want to spend the least amount of money and get the broadest coverage when you are shopping for Health Insurance In NJ.

 

When Is the Best Time to Seek Health Insurance?

 

If you have coverage with a current plan, the best time to look is before it expires. Open Enrollment is the best time to weigh your options. Allow yourself plenty of time to research and see what is available.

 

Will I Be Able to Retain My Current Doctor?

 

If you are happy with your current doctor and don’t want to lose him or her, make sure you can continue in their care. Every health insurance plan is different and they don’t all cover the same doctors. You want to make sure the plan you choose lists your present physician on their approved roster.

 

If I Have Health Insurance, Should I Still Be Looking For A New Plan?

 

Insurance plans change and knowing your options will ensure that you continue to have needed coverage for the best price. Making certain you have the coverage that you need is essential and shopping around is a good idea. You may find that the plan you have is still the best option.

 

Do I Have to Look In The Affordable Care Marketplace?

 

You don’t have to get your insurance through the Affordable Care Marketplace, but you do need to have insurance that meets the standard set by the Affordable Care Act. While parts of the Affordable Care Act have been repealed, you should keep up to date on those standards that exist.

 

Seek Help With A Professional

 

Shopping for NJ Health Insurance is daunting and can be confusing. You want the best plan for the best price. Contact Bogle Agency Insurance to learn more about New Jersey Health Insurance options. Our agents have the experience and knowledge to assess your needs and help find the best coverage at the most affordable price.

Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

Call us for a consultation at (201) 939-1076.

EXCESS LIABILITY PROTECTION

Extra Protection For The Unexpected

 

property insurance bergen county nj

 

Bogle Agency Insurance strives to provide our NJ clients with some of the highest limits of liability coverage available. The unanticipated can happen and we want our clients with high value assets insured for those times when additional coverage is needed. An Excess-Umbrella policy with Chubb is for when other coverages don’t quite protect you enough. Excess Liability Protection should be part of your financial planning.

 

Protection In Every Way

 

There are so many factors that make additional insurance coverage a necessity. Your lifestyle may include travel, frequent entertaining, extra recreational facilities at your home. You may have household staff. You may own a second or third home. These things all make it imperative that you have extra liability insurance. You have worked hard to provide your family with a lifestyle to be envied. Make sure it is protected with a Chubb policy that covers unforeseen events and losses.

This type of insurance with Chubb also covers you with legal representation. Excess Liability Insurance offers this kind of coverage if you should need a lawyer. This and all other coverages can also offer worldwide protection.

 

Bogle Offers Excess Liability Insurance

 

Bogle Agency Insurance is proud to offer Chubb Masterpiece Excess Liability Insurance. Chubb goes above and beyond the usual to protect you, and their reputation is well documented. If you are seeking the extra coverage provided with a Chubb Excess Liability Policy, give Bogle Agency Insurance a call at (201) 939-1076 for a consultation.

Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

HOMEOWNERS INSURANCE AND HOME IMPROVEMENTS

Inform Your Insurance Agent About Any Planned Home Improvements

 

Home-Improvement-projec-and-homeowners-insurance-bergen-county

 

Spring is coming soon and with it the urge to start home improvement projects. Whether you plan to do it yourself or hire a contractor, home improvements can increase the curb appeal of your house, help protect you against the elements, and make staying at home more enjoyable. Bogle Agency Insurance has always been ready to discuss ways to balance Homeowners Insurance & Home Improvements for their NJ clients.

Even small home improvement projects can increase the value of your house. Never underestimate the appeal of a few upgrades to the appearance and overall condition of your home. With this comes increased value. If you are planning home improvements let your insurance agent know so that you can discuss raising the Homeowners Insurance coverage. 

When Your Home Value Increases So Should Your Protection

When you undertake home improvements and the value of your home increases, you should consider raising the coverage of your Homeowners Insurance. This type of insurance is meant to cover damage to your home due to unexpected events such as floods, fires, lightning strikes, etc. When you upgrade your home, your insurance coverage should reflect the increased value. Without an increase in your Homeowners Insurance, you may receive a smaller payout in the event of a total loss.

Do Small Projects Increase the Value of My Home?

You may feel that you are only undertaking a small improvement and that it won’t affect the value of your home. Not always true – depending upon your location small improvements may be essential to potential buyers. This means that the overall value of your home may increase based upon the local market.

Increased value isn’t the only reason you should contact your insurance agent. The installation of a swimming pool, for instance, can increase the risk factor. Even though putting in a pool may increase the value of your home, it also increases the liability risk. Increasing your home’s liability coverage is a good idea.

Does Home Improvement Always Increase the cost of Homeowners Insurance?

Not necessarily, and that’s why it is important to discuss home improvements with your Insurance Agent. An experienced and knowledgeable agent such as Bogle Agency Insurance is always available to advise you on what changes will save you money, increase the value of your home and decrease liability. A new roof or new heating system can help to decrease your insurance premium, while building an addition may increase your premium.

For Further Sound Advice Call The Experts

When planning future home improvements call Bogle Agency Insurance today. We have been helping New Jersey homeowners for many years to improve insurance coverage while increasing their home values. Our goal is to save you money, provide the best coverage, and raise the value of your home. We can be reached at (201) 939-1076.

Bogle Agency Insurance is also experienced in discussing Business Insurance, Health Insurance, Life Insurance, Automobile Insurance, Umbrella Insurance and any other coverage you may require.

HOMEOWNERS INSURANCE WITH CHUBB

Masterpiece Homeowners Insurance

 

homeowners insurance bergen county nj

 

No matter whether you just moved into a new house or live in one that you have owned for many years, it should feel like home. Bogle Agency Insurance offers High Value Asset coverage with Chubb for NJ Families. Chubb Masterpiece Homeowners Insurance presented by Bogle is your best and most comprehensive protection. We want you to feel protected when something happens and you need to repair, replace or rebuild. It is Chubb’s intention to try to prevent things from happening, but to be there when they do.

 

Claims Are Taken Care Of Quickly

 

The claim adjusters with Chubb make contact very quickly. They have the authority to pay claims, but cannot deny a claim without a manager’s approval. Responsiveness is always a priority. All claims are approached with the idea of seeking your satisfaction, and Chubb goes above and beyond to achieve that. Bogle Agency Insurance feels they are offering the best protection and the most rapid claims response with this coverage.

 

Talk To The Experts About Homeowners Insurance

 

Bogle Agency Insurance has been providing insurance to homeowners in New Jersey for over 100 years. Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

‘This has brought us extensive experience and expertise in the field. We feel the excellent coverage with Chubb Masterpiece Homeowners Insurance is well worth a discussion with our agents. When you are looking for homeowners insurance to protect your investment, call us at (201) 939-1076 for a consultation.

VACATION HOME INSURANCE

Insuring Your Vacation Or Secondary Home

 

property insurance bergen county njWith Spring approaching, we start thinking about vacation home buying. When investing in a vacation or second home, you should be aware that it probably won’t be covered under your homeowners insurance policy. A secondary home usually requires a second insurance policy. Different risks, different coverage. Sometimes your primary homeowners insurance may cover some liability on your secondary home. If you are going to have a mortgage on your vacation home, your bank may require a separate insurance policy. This is mainly to cover the structure and contents against fire, flood and theft. Bogle Agency Insurance offers our NJ clients coverage with leading carriers, such as Chubb. Chubb provides premier insurance for secondary homes.

 

What Impacts The Cost of Vacation Home Insurance

 

Some factors that may affect the cost of vacation home insurance are:

Location

The location of a secondary property makes a difference in cost. If it is in a flood-prone area you may need flood insurance.

Type of Property

Depending upon whether your vacation home is a stand-alone house, condo or townhouse makes a difference in coverage. If the property is maintained by a homeowners’ association providing some security, this could lower your insurance risk. The age and building materials used in the construction are also factors.

Extra Amenities

If you purchase a second home with a pool or hot tub, you could have added liability.

 

You Can Save Money On Vacation Home Insurance

 

Choose a location with lower risk of flood – farther from the beach for instance. Insuring the second home with the same insurer that covers your primary home may save money. This is known as “bundling” policies. Installing an alarm system – one that detects both fire and break-ins – might lower the cost. Of course, it always makes sense to shop around for the best quote on second home insurance.

 

Consult an Expert

 

Bogle Agency Insurance will give you sound advice on the best coverage and lowest price to insure your vacation home. Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

It is our goal to make you confident about coverage, for the lowest cost. When you have made the decision to buy a vacation home, call Bogle at (201) 939-5378 for a consultation on the best way to insure it.

INTERNET CYBER CRIME PROTECTION

Cyber Crime is a real threat

 

homeowners insurance bergen county njWe all think we are well insured against unexpected threats. We tend to forget to insure our digital presence. Cyber crime can haunt you for a long time and should be a major concern today. While technology has made life easier, in some ways it makes life harder. There are perils lurking on the internet, such as identity theft, hacking, cyberstalking and harassment. The more enlightened you think you are on the web, cyber threat is always one step ahead.  Internet cyber crime protection is essential.

Bogle Agency Insurance offers Masterpiece Cyber Protection with Chubb. Chubb offers a broad range of protection against this modern day threat. 

 

What are the benefits of Masterpiece Cyber Protection?

 

Chubb’s Masterpiece Cyber Protection Insurance protects against threats of releasing your personal information. It also offers protection against loss of funds in financial accounts and related expenses. Help is available to deal with online harassment that results in termination, discipline in school, and the emotional stress that can result. There is support in dealing with cyberattacks that prevent access to your home, or the interruption of a business that you operate from your home. Help dealing with theft of personal data that results in defamation of character, or compromises yours and your family’s security is also provided.

Having to restore your online identity after a cyber attack can be a lengthy and stressful process. Chubb is in partnership with crisis management firms and you will benefit from their awareness of cyber security concerns. The goal is to make you whole again after such an attack and its consequences.  Internet cyber crime protection should be on your list of priorities.

 

Help is available from experts in the field

Cyber protection is a concern of Bogle Agency Insurance. We wish to offer the top-of-the-line protection that Chubb provides after an internet attack. Your online security is our focus with this premium coverage. If you consider cyber security a concern, call Bogle Agency Insurance at (201) 939-1076 for a consultation. We will inform you about the benefits of Chubb’s Masterpiece Cyber Protection.

Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.