Advantages of “High-Value Asset” Coverage

 

Define High-Value Assets

 

Lyndhurst NJ Valuable Assets CoverageThose things that are considered high-value assets often include expensive homes in ultra-desirable locations, exotic automobiles, jewelry or art collections, yachts, high liability risks, and even internet security. Bogle Agency Insurance offers Chubb “insurance coverage for successful families and individuals with high-value assets”. The very real advantages of “high-value asset” coverage are superior expertise and excellent service.

 

What Makes This Insurance Better?

 

1. You have the knowledge of qualified experts to evaluate assets, and therefore adequately insure them. Chubb’s experts are experienced in assessing the value of antiques, artwork, rare books, jewelry and anything that is irreplaceable to you.

2. If you are buying your first home we cater to your unique situation. You may be building your dream house and plan to fill it with one-of-a-kind furnishings. Or you may be buying a large house on lots of acreage that will require more coverage than regular homeowners insurance offers. This insurance is meant to protect these unique assets.

3. If you have unusual and distinctive assets that need replacement, the quality of those items is identified. You will never be offered inferior substitutions.

4. Top quality contractors and specialists are recommended.

5. This coverage is comprehensive, not partial.

6. Claims service is quick and responsive to your needs. Adjusters work swiftly to be of help to you. Whether a claim is for replacement of a stolen or damaged possession, or because of an accident, staff is supportive. Compassion as well as real help are always on offer.

These are just some of the advantages of “high-value asset” coverage. Bogle Agency Insurance is always ready to offer a full examination of your insurance needs, and recommend proper coverage.

 

Focus Is On Your Unique Requirements

 

This extra coverage is suited to dealing with unusual circumstances and extraordinary personal assets. Your hard work at developing a comfortable lifestyle for your family and yourself should be be protected to the fullest. You should always be prepared for the surprises that life sends your way. Bogle Agency Insurance is offering Chubb protection with our support and service based upon years of experience. We have dealt with unique individuals and situations like yours before. We are ready to offer our fullest attention and expertise. Give us a call at (201) 939-5378 to see what we can offer our New Jersey clients with “high-value assets”.

WHO DOES WORKERS COMPENSATION INSURANCE COVER?

 

Who Is Covered By Workers Compensation Insurance?

 

Builder, Contractor and Construction Insurance AgencyAs the name suggests, workers or employees are those covered by Workers Compensation Insurance. Your employer must have a Workers Compensation policy in place, and compensation is only due if the illness or injury originated while on the job. Workers Compensation Insurance covers compensation, or lost wages, when you are unable to work due to sickness or injury that occurred while you were at work. When you are hired to work in a precarious or dangerous environment it is especially wise to be sure the employer has a Workers Compensation policy in effect. Generally speaking full and part time workers are covered under Workers Compensation Insurance. Independent contractors must carry their own workers compensation policy.  Bogle Agency Insurance has answers to the question “Who Does Workers Compensation Insurance Cover?”

 

Is Workers Compensation Insurance a Requirement For Employers?

 

Any business that employs more than one person is required to have Workers Compensation Insurance. The thing for employees to remember is that the illness or injury must have occurred while at work. If you are hurt outside of work you are not covered.

 

Talk to a professional for Workers Compensation Information

 

Bogle Agency Insurance provides a complete line of insurance options to New Jersey businesses. We are here to guide you and ensure that you have the coverages needed to operate a business. Our knowledge and long time experience can be invaluable in answering everyone’s Workers Compensation questions. Bogle wants all employers and employees in New Jersey to have a safe and well informed experience in their workplace. Give us a call for a comprehensive insurance consultation. We can be reached at (201) 939-1076.

Announcement: Best Practices Agency

first time home buyer insurance bergen county njIn 2020, Bogle Agency Insurance was selected as a Best Practices Agency. This is our Seventeenth Consecutive Year Being Selected!

Bogle Agency Insurance is part of an elite group of independent insurance agencies around the United States selected as a Best Practices Agency.

Each year the Independent Insurance Agents & Brokers Association (IIABA) and Reagan Consulting, an Atlanta-based management consulting firm, join forces to study the country’s leading insurance agencies. The purpose of the Best Practices Study is to compile the operating statistics of the country’s leading insurance agencies. To achieve this objective, the insurance agencies included in the annual study must first be nominated for participation by their peers and/or insurance companies to participate in this study group. The insurance agency must then submit detailed financial and operational information which is analyzed, scored, and ranked objectively for inclusion in the study on the basis of operational excellence including growth, profitability, productivity, and financial stability.

Our insurance agency qualified for participation in this status by ranking among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA) and Reagan Consulting. Of the thousands of insurance agencies in the United States in 2020 only a select few insurance agencies scored high enough to qualify for this award.

We are pleased to have retained our Best Practices Agency Status, as one of the top performing insurance agencies in the country for the past 17 years.

Participation in the Best Practices Study has become a prestigious recognition of the superior accomplishments of the top insurance agencies. Our inclusion with these other outstanding insurance agencies clearly recognizes us as an industry leader.

EXCESS LIABILITY INSURANCE

 

An Umbrella Policy May Be Just What You Need

 

bergen county insurance agentsPeople with high value assets need insurance that completely protects their families and their lives. Bogle Agency Insurance offers Chubb Masterpiece Excess Liability coverage for those times when the unexpected happens. Homeowners Insurance and Automobile Insurance only go so far to protect, so it might be a good idea to consider an excess/umbrella policy. Chubb Masterpiece Excess Liability Insurance provides you with some of the highest limits of liability coverage available in the industry. A policy of this type should be part of your financial planning. People with high value assets should have high value protection.

 

Protection Against the Unforeseen

 

When your lifestyle involves travel, high level entertaining, extra recreational facilities at your home (pool, hot tub, trampoline) you should have extra liability insurance. Household staff on your premises should be covered with extra liability insurance. You have worked hard to provide your family with a good, secure lifestyle. Chubb can help insure you with a policy that covers you for those unexpected events that occur without warning.

In today’s litigious climate, we want our clients to know they are covered for legal representation. Excess liability insurance offers coverage in the event you should require an attorney to deal with claims against you. Worldwide protection is available.

 

Talk to a Professional For Excess Liability Coverage

 

Bogle Agency Insurance is happy to talk with you about Excess Liability Coverage that is offered by Chubb. We are proud to discuss this premier coverage offered by a top notch insurer for our New Jersey clients. If the type of coverage provided by Chubb’s Masterpiece Excess Liability is of interest to you, please give us a call at (201) 939-1076.

INSURING VALUABLE ASSETS

 

What Are Valuable Assets?

Lyndhurst NJ Valuable Assets CoverageValuable assets are those that have a worth above the norm. They may be especially treasured by you for sentimental reasons, or they may actually be worth more than typical household possessions. They can be jewelry, art, rare books, or simply one-of-a-kind items collected during travel. Most homeowners’ insurance policies provide limited coverage for these special items.  Bogle Agency Insurance offers Chubb’s Masterpiece coverage for insuring valuable assets.

 

Responsiveness is a Priority with Chubb

 

With Masterpiece coverage Chubb makes sure your losses are met with serious attention and quick solutions. Claims are addressed rapidly and concluded in record time. This responsiveness makes valuable assets coverage a great relief to our clients.

In addition to fast claim solution, we offer consultation and management services to complement the excellent coverage. We have Fine Art, Jewelry and Collections Specialists with academic training and knowledge of specialized collections. Chubb can offer tips for protecting your possessions from unforeseen perils such as burglary, damage from a natural disaster, or fire. We also provide loss prevention and preservation advice for fine art collections.

 

Ask Us About Valuable Asset Coverage

 

Bogle Agency Insurance has a long relationship with their New Jersey clients. We have been providing insurance coverage for homeowners and business owners for 100 years. Valuable Assets insurance with Chubb is something that everyone with treasured possessions should be aware of. Give Bogle a call today and let our experience and expertise guide you toward the protection your precious assets require and deserve. We can be reached at (201) 939-1076.

PERIODIC HOMEOWNERS INSURANCE REVIEWS

 

When Home Values Increase, Should You Increase Your Homeowners Insurance?

 

It is commonly held that when home values go up, you should increase your homeowners insurance. Of course you want to protect your most valuable investment. This question has plagued homeowners and it is one that should be discussed with your insurance agent. When the value of a house increases significantly, you want to be sure it is covered for the full amount. If you have purchased expensive artwork or furniture these should be inventoried with your homeowners insurance as well. Discussing periodic homeowners insurance reviews is something to do with a professional agent.  Bogle Agency Insurance staff have years of experience in answering questions about all types of insurance coverage.

 

Does a Remodel Mean You Need More Coverage?

 

Builder, Contractor and Construction Insurance AgencyNot every increase in the value of a house requires additional insurance. If the value of your home increases due to the usual market reasons, such as supply and demand, NJ homeowners insurance probably doesn’t need to be changed.

But, if you have had a major addition built, or had a kitchen or basement completely re-done, this could impact the amount of insurance coverage you should have. Again, a question that needs to be discussed with your agent.

 

REVIEWING YOUR HOMEOWNERS INSURANCE PERIODICALLY

 

We all know home values increase over time. To be sure your home is adequately protected with the right amount of homeowners insurance, talk to a professional insurance agent. Periodic reviews of your homeowners insurance coverage are a good idea, and the agents at Bogle Agency Insurance have the experience and expertise to guide you. Our team based in Bergen County is always available to evaluate your homeowners, automobile, business, umbrella and all the insurance coverages you have. Our goal is to help you understand what you need and help you get it in the most affordable way. Give us a call at (201) 939-1076 for a consultation.

AUTOMOBILE SAFETY AND CHUBB MASTERPIECE

 

Expensive and Complex Automobiles

 

Lyndhurst NJ Chubb Masterpiece Automobile Safety insuranceWhether you drive an SUV or a Rolls Royce, automobiles have become complex and expensive. Car construction for fuel efficiency is lightweight, and the technology contained in the car adds safety protections. This makes your automobile an expensive vehicle to maintain.  Automobile safety and Chubb Masterpiece coverage go hand in hand.

 

Repairs Cost More

 

Although lighter materials used in the construction of a car make for more fuel efficiency, they also can make collision damage more severe. Complicated construction along with modern technology makes repairs expensive and challenging. Safety enhancements such as additional airbags, collision avoidance and parking sensors, etc., make repairs more difficult and costlier.

 

Chubb’s Commitment to Our Clients

 

Chubb is committed to the highest standard of repair or replacement of your automobile. The response to an accident is fast and professional. Chubb is always insistent on the highest standard of repair to keep our clients safe. The Auto Technical Specialists make sure your vehicle is repaired correctly, to manufacturer’s standards. They are certified collision repair experts. If repair is not possible, Chubb covers you for a total loss.  This makes automobile safety and Chubb Masterpiece coverage so important.

 

Talk to Bogle about Chubb’s Masterpiece Coverage

 

Bogle Agency Insurance offers the Chubb Masterpiece Auto Preference coverage to NJ clients. This is the premium insurance for complete protection of your automobile. We are proud to offer this excellent coverage for our clients and welcome a call regarding automobile insurance. Our focus is always on the safety and protection of our clients with the finest insurance products available. Give us a call at (201) 939-1076 and make an appointment for a consultation with one of our expert agents. Ask about our High Value Asset Person Lines Insurance coverage through Chubb.  

WHAT YOU SHOULD KNOW ABOUT HOMEOWNERS INSURANCE

Questions for First Time Home Buyers

 

Bergen County Homeowners Insurance Agency Bogle Agency InsuranceFirst time home buyers should be full of questions regarding Homeowners Insurance. If you are purchasing your first home, begin by choosing a trusted, experienced insurance agency with a long record of customer satisfaction. Usually an agent is chosen by getting a recommendation from a close friend or family member. Real Estate brokers can also be of help in choosing a good insurance agency. When you have chosen an insurance agency, you can then sit down and discuss your questions and concerns regarding the coverage of your new home. Below are some items of discussion regarding what you should know about Homeowners Insurance.

 

House Value

 

First thing to determine is the home’s insurance value. This is based on replacement cost, not necessarily on the market value. Your agent will help you figure this out considering size and building materials used.

 

Choosing a Deductible

 

A deductible amount will have to be determined when buying a homeowners insurance policy. Going for a higher deductible will save you money on the premiums. If you choose a higher deductible try to have an emergency fund to cover that amount should you need to file a claim.

 

Are Contents of My Home Covered?

 

Homeowners Insurance automatically covers possessions up to a percentage of the home’s insurance value. This is often set at 75%. If you have a lot of valuable items, such as jewelry, you may want to purchase additional coverage. To make this process easier, take an inventory of your contents with photos or a video of each room in the house. Update the list regularly.

 

Are Floods or Earthquakes Covered?

 

Standard Homeowners Insurance policies do not cover flood damage. If your home is at risk of flooding due to proximity to a body of water or other flood peril, you should have flood insurance. Mortgage companies usually require flood insurance if the house is at risk of flooding. All of this would apply to earthquakes as well. You would need to buy additional coverage if your house is in an earthquake prone location.

 

“All Risk” Coverage

 

Ideally when buying Homeowners Insurance you want “All Risk” coverage. Most Homeowners Insurance policies cover fire, theft, and wind damage. There are many additional risks to your home and property that may not be covered by traditional Homeowners Insurance. These excess risks are something to discuss with your insurance agent so that you will feel fully protected.

 

Talk to a Professional For Full Homeowners Insurance Protection

 

The staff of experts at Bogle Agency Insurance are available to guide you to the best and most comprehensive coverage for your home. We have been helping New Jersey homeowners for over 100 years. Of course insurance coverage has changed in that time, but we are always updating our knowledge and stand ready to offer the newest, latest protection available. If you are a first time home buyer or are moving to a different location, Bogle Agency Insurance offers the most professional assistance in purchasing Homeowners Insurance. Give us a call at (201) 939-1076 and let’s talk!

PROTECTION AGAINST CYBER CRIME

Comprehensive Cyber Protection

 

Lyndhurst NJ Cyber Protection InsuranceWe always think of insuring ourselves and our families against unexpected threats. We have homeowners insurance, auto insurance, health insurance, life insurance – but sometimes forget about insuring our digital lives. Cyber crime can have a lasting impact on your life and is a major concern in this day and age. Technology has made our lives easier and better in so many ways, but there is danger lurking on the internet. Things like identity theft, hacking, cyberstalking and harassment are just a few examples. The more sophisticated your internet activity is, the more sophisticated the cyber threat can be.

Bogle Agency Insurance in partnership with Chubb offers Comprehensive Cyber Protection. Chubb understands the complexity of cyber threats and provides a broad range of protection. This kind of protection is no longer a luxury, it is a necessity.  We offer the benefits of Masterpiece Cyber Protection.

 

The Benefits of Masterpiece Cyber Protection

 

Chubb protects against threats to release your personal information and destroy your personal network. There is protection against loss of funds in financial accounts and related expenses. Help is available in dealing with online harassment that may result in termination, discipline in school, and emotional stress caused by the harassmant. Support in handling cyberattacks that prevent access to your home, or the interruption of a small business that you operate from your home, is provided. Also offered is help dealing with the theft of access to personal data which results in defamation of character, or compromises your physical security, your family’s security, the security of your home.

Restoring your online identity after an attack can be a long and stressful process. Chubb is with you every step of they way to recovery. Because of Chubb’s partnerships with crisis management firms, you will benefit from resources that are aware of cyber security concerns and know how to help you deal with them. The aim is to make you whole again after any kind of cyber attack and its consequences.

 

Get Help From Experts

 

Cyber protection is a major concern of Bogle Agency Insurance together with Chubb. We want to offer the top-of-the-line protection that Chubb can provide after an internet attack. Your online security is our focus with this premium coverage. To learn the benefits of Masterpiece Cyber Protection, please give Bogle a call at (201) 939-1076.

Saving Money On NJ Health Insurance

Ways to Save Money on Health Insurance Premiums

 

NJ Health Insurance Options | Bogle Agency Insurance Lyndhurst NJWe all know that health care costs and health insurance are major subjects of conversation and consideration. In New Jersey health insurance is required! The rising cost of health insurance is a concern for most of us, so here are some ideas for finding ways of saving money on NJ Health Insurance.

 

Low Premiums Don’t Always Save You Money

 

When looking for a health insurance plan, the monthly cost is probably the biggest concern. The range of monthly premiums is very wide, and you will undoubtedly want the lowest cost you can find. Low cost doesn’t always mean savings. For instance, you might find a plan for $300 a month, but the deductible could mean a much larger payment out of your pocket if an unexpected illness should arise. Lower monthly premium costs sometimes also mean choosing from different networks of doctors and pharmacies. This could mean out-of-network fees. You should try to balance your monthly premium cost with the size of the deductible.

 

“Wellness Programs” Sometimes Mean Discounts

 

Here’s something to consider.  Some employers and some plans offer discounts for healthy activities. These can offset the monthly cost of a gym membership, offer policy discounts, or sometimes cash incentives for staying healthy and active. Some plans offer discounts for people who are working to lose weight or to stop smoking. This is a win-win situation where you save money and stay healthy.

 

Health Savings Account or HSA

 

There are government policies that can help you save when it comes to health care. A Health Savings Account (HSA) gives you the ability to save pre-tax income, which in turn help s cover co-pays, deductibles and more. Such an account is a “tax-advantaged” savings account. This means you can add your pretax income into the account, and let it grow tax-free. There are requirements and limits for Health Savings Accounts, so you need to quality.

 

Take A Good Look At Your Medical Bills

 

Medical billing is rife with error. Simple mistakes can cost you a lot of money. Always ask for itemized bills and take the time to review them. Ask questions, and request a corrected invoice if there is an error.

 

Talk To An Experienced Insurance Broker

 

Buying insurance can be complicated and stressful. Brokers or agents like the team at Bogle Agency Insurance have long experience, and are experts relative to policies, federal health insurance mandates, and money-saving possibilities. We can help you navigate the Health Insurance Marketplace, and find the best plan for you, your family or your business. We want you to find the best price, with ample coverage and a reasonable deductible. At Bogle our focus is toward saving money on NJ Health Insurance for our clients. If you are looking for NJ Health Insurance and need professional help give us a call at (201) 939-1076 for a consultation.