Insurance for Your Holiday Party

Holiday Party Liability Insurance Coverage |Holiday Party Liability Insurance | Bergen County NJ Business Insurance NJ

Liability Insurance coverage for your holiday party may not be on the radar when thinking about commercial insurance coverages. In fact, insurance for your holiday party may not be something that you have ever even heard of, never mind considered. This can be the time of year for company parties in Bergen County and the surrounding area towns of NJ. It may be a time to celebrate, but also a time where maybe there is a bit more fun happening than intended. While holiday parties represent a time for everyone to mingle, a time for the boss to rub elbows with the entire team, and a time for clients to join in the fun, the presence of alcohol can pose a liability. This liability due to a Holiday Party can put your company at risk. Luckily Bogle Agency Insurance can assess your commercial insurance policy, including your coverage, your risk, and any additional needs.

The United States Department of Labor makes it clear that the improper use of alcohol at office parties can make employers vulnerable to liability under workers’ compensation, as well as tort and other laws. Liquor liability laws hold a server of alcohol liable, which when related to a party means the host. As a result, it is imperative that businesses take the necessary precautions to protect themselves. This protection can occur with the proper commercial insurance coverage. In most cases, a company’s commercial general liability policy will cover this, but it is certainly worth a discussion with your Bergen County NJ Insurance Agent.

Going a step further than general coverage, a business may want to consider Employment Practices Liability Insurance. This will protect from situations related to when an employee behaves inappropriately, maybe toward a co-worker or a client. Alcohol can bring on strange behavior, and making sure your company is covered is essential.

While everyone wants to have a great time at a party, it is important to stress the need to drink responsibly. Make sure to relay the message to the leaders in your business to set a good example. In addition, follow the law. Do not serve minors! Having plenty of non-alcoholic beverages on hand and a variety of food as well will work in your favor.

Better Insurance Practices | Better Insurance Agency Bergen County NJ 

Bogle Insurance Agency wishes you a happy and safe holiday season. If you have questions or concerns about commercial insurance coverage policies or personal insurance policies, please give us a call today. Our goal is to help you understand the coverage you need, making sure you are covered under all circumstances that may arise. Let us help you enjoy a stress-free holiday party season.  We welcome the opportunity to serve as your guide to insurance in Lyndhurst and throughout Bergen County, NJ.


Valuable Assets Need Extra Protection


Lyndhurst NJ Valuable Assets Coverage with Chubb


Valuable assets are those things you own that have greater than normal value.
You may have put together a valuable art collection. You may have inherited
or been given precious jewelry or coins. Maybe someone in your family is a rare
book collector. Perhaps you like to travel to exotic places and bring home
treasures from foreign locations. Generally most homeowners insurance only
provides limited coverage for these special items. That’s why Bogle Agency
Insurance recommends the coverage provided by Chubb Masterpiece Insurance. A
Chubb Masterpiece Valuables Insurance Policy will offer better protection for
the things in your life that are more valuable than the ordinary. Insuring
valuable assets in NJ means having Chubb Masterpiece Insurance.


Chubb Pays Serious Attention To Losses


With Chubb Masterpiece coverage claims are addressed quickly and concluded in
record time. This kind of response makes this type of insurance a great source
of relief to our clients. Bogle Agency Insurance wants you to have the best
insurance coverage that also provides the most responsive solutions to problems.
Along with fast claim handling, Chubb offers management services that include
fine art, jewelry and collections specialists with training and knowledge of
specialized collections. They also offer tips on preventing losses in the future.


Talk to Bogle About Valuable Asset Insurance


Bogle Agency Insurance has been helping people in NJ with insurance coverage for over
100 years. We want Bergen County and Morris County clients with treasured valuable
possessions to be made aware of Chubb Masterpiece Insurance. For a consultation
regarding the protection of your treasures give Bogle Agency Insurance a call at
(201) 939-1076.  Insuring valuable assets in NJ should include the protection of a
Chubb Masterpiece Valuables policy.


Lyndhurst NJ Health Insurance Options

Types Of Plans


Finding the best health insurance coverage for the most affordable price can be really
overwhelming. Bogle Agency Insurance agents help individuals, families and businesses in
Bergen County and Morris County NJ find the right health insurance plan. Whether you are
seeking an Individual Health Plan, a Family Health Plan or a Group Business Plan we are able
to guide you. We are the top local insurance resource, and will find the coverage that best
suits your needs and your budget.


When Should I Buy Health Insurance?


If you are enrolled in a plan currently, you should look for Health Insurance before that
plan expires. Open enrollment time is when you should start researching the availability of
plans that fit your needs. If you have a doctor that you like, remember it is important to
make sure the plan you choose lists your doctor. Not all plans are alike and they don’t all
include the same doctors. Even if you have health insurance and like the plan, being aware
of your options will ensure that you continue to have the coverage you like at a price you

When shopping for Health Insurance you don’t have to get your plan through the Affordable
Care Marketplace, but you do need insurance that meets the standard set by the Affordable
Care Act. Even though parts of the Affordable Care Act are repealed, you should make sure
you are up to date on the standards that dictate health insurance in NJ today.


Professional Help Is Your Best Bet


Seeking Health Insurance is confusing and plans keep changing. All you know is that you
want the best coverage for the best price. Bogle Agency Insurance will help you learn
what you need to know about NJ Health Insurance options. We have the experience and
capability to asses your needs and find the best insurance plan for you. Whether you are
in the market for a new Health Insurance Plan or think you want to renew what you have,
call Bogle Agency Insurance for a consultation. We can be reached at (201) 939-1076.


Masterpiece Automobile Insurance


Lyndhurst NJ Masterpiece Automobile Insurance with Chubb


Cars are being built with more aerodynamic designs and lighter materials for greater
fuel efficiency. Technology offers better safety and entertainment features. Special
engine types such as turbo or hybrid/electric are becoming more common. All these things
also make automobiles more complex and more expensive to repair. Bogle Agency Insurance
of Lyndhurst NJ offers Masterpiece Automobile Insurance with Chubb to our Bergen and
Morris County clients. This is premier coverage with a leading carrier. Insuring
automobiles with Chubb in NJ is offered by Bogle Agency Insurance with pride.


Chubb Provides Complete Coverage


Chubb’s team of Auto Technical Specialists assure you of repairs that are in accordance
with manufacturer’s specifications, or they will cover you for a total loss. They focus
on the safety and satisfaction of clients, never on repairing a car as cheaply as possible.
If a car cannot be repaired safely according to the manufacturer’s standards, you will be
covered for a total loss. This coverage is offered for a high-end luxury vehicle or
for an every day family auto.

When it comes to claims, Chubb responds quickly and efficiently. They make the whole
process easier and work to put you back on the road as soon as possible. Insuring automobiles
with Chubb in NJ is a benefit to car owners and their families.


Talk to Bogle About Chubb’s Masterpiece Insurance


Bogle Agency Insurance offers Chubb’s Masterpiece Automobile Insurance to NJ car owners.
We want to provide the most complete coverage for your automobile with a foremost carrier.

Bogle offers insurance protection for all areas of your life. We provide options for
Business Insurance, Life Insurance, Health Insurance, Homeowners Insurance and so much
more. For all your insurance needs, call Bogle Agency Insurance at (201) 939-1076.


Good Coverage Is Available


Lyndhurst NJ Pet Insurance Coverage


Insurers all over NJ have realized how devoted people are to their pets. They also
know how much Veterinary care can cost. If your cat or dog is injured or becomes ill,
care and rehabilitation can become costly. Bogle Agency Insurance located in Lyndhurst
NJ recognizes the need for insurance protection with reliable insurance carriers who
will make pet ownership less expensive.  Excellent Pet Insurance coverage is available in NJ.


Flexible Options


Most pet insurance plans are adaptable and allow you to chose the options that fit
your needs. Whether it is coverage for an illness or injuries, or general care that
includes regular check-ups and shots, these options are offered.


Is Pet Insurance Worth It?


Science has made extraordinary breakthroughs in pet medical care. With so many people
having pets and the demand for pet care increasing daily, veterinary treatment can
often be a financial challenge. Veterinary facilities provide a full range of good
treatment and with medical professionals providing this treatment, the price is often
prohibitive. Pet insurance premiums are generally based upon the age and breed of
your pet, and sometimes your location. Although many policies allow you to seek
care provided by any veterinarian, others may limit your access to a specific network
of care givers. If your beloved pet requires serious and prolonged treatment, Pet
Insurance coverage in NJ is worth the cost involved.


Learn About the NJ Options in Pet Insurance


Bogle Agency Insurance offers professional advice to pet owners who are seeking to
insure their animals. Pet insurance is not limited to only dogs and cats. If you are
looking for pet insurance in Bergen or Morris County, or anywhere in NJ, call us about the
particular type of coverage you need. We can be reached at (201) 939-1076.

Bogle Agency Insurance has been providing insurance to NJ residents for over 100 years.
We offer insurance coverage for any category of insurance you need. We offer Homeowners,
Automobile, Health, Life, and more – and of course Pet Insurance.


Masterpiece Homeowners Insurance With Chubb


Lyndhurst NJ Insuring Your Home With Chubb


Bogle Agency Insurance of Lyndhurst NJ offers Bergen and Morris County NJ
clients Masterpiece Homeowners Insurance with Chubb. This coverage is
insurance provided by one of the foremost carriers in America. Chubb is
known for its outstanding insurance coverage, and at Bogle we are known
for always looking for the best way to serve our clients’ needs. We feel
that Chubb’s Masterpiece Homeowners Insurance is one of the best policies
you can buy to protect your home.  Learn about insuring your home with Chubb.


Great Service From Chubb


Although Chubb dispenses great claims service, they go out of their way
to go above and beyond the expected. They don’t simply process claims,
they go out of their way to make the whole claims process easy for you.
Claims are processed quickly and efficiently by trained staff. Chubb
offers complete protection and work at stopping issues from happening in
the first place.

If the worst should occur, they send out adjusters to assess the damage or
loss right away. They offer help in finding a place to stay while repair
is underway. Chubb’s staff are always empathetic and try to help you remain
calm under the most dire circumstances. Chubb also offers education in the
prevention of losses and damage. There are many ways in which Masterpiece
Homeowners Insurance with Chubb is one of the best protections for your home.


Learn More About Masterpiece Coverage



Bogle Agency Insurance works hard to provide their clients with the best
insurance coverage for a price they can afford. We feel that Masterpiece
Homeowners Insurance with Chubb is great protection at an affordable rate.
If you are a first time home buyer or have owned many homes over a long
period of time, talk to us about Homeowners Insurance with Chubb. It will
be well worth your time. When you are in the market for Homeowners Insurance,
give us a call at (201) 939-1076 and discover the great coverage offered
by Chubb.  Insuring your home with Chubb is a great idea!


Risk Factors


Lyndhurst NJ Common Risks Affecting Homeowners Insurance PremiumsCertain everyday risk factors can have a large effect on your Homeowners Insurance premium. Risk factors are characteristics that make filing a claim more probable. These characteristics can range from the condition of your house to your financial standing. In order to save money on your
Homeowners Insurance, you need to know how to lower the risk factors that your insurance company sees. Bogle Agency Insurance offers the best Homeowners Insurance policies in NJ, with top carriers, but if you ignore the common risks affecting Homeowners Insurance premiums, you may pay more.


Some Common Risks Affecting Homeowners Insurance Are:

1. Deductible

An insurance policy deductible is the amount you pay before the policy
coverage kicks in. The reason for deductibles is to reduce negligence
in the care of the property by the policyholder. A higher deductible
means a lower premium.

2. Replacement Cost

This refers to the amount it would cost to rebuild your house. The more
expensive the item you are insuring becomes, the more the insurance
company would have to pay out in the event of a loss.

3. Condition Of The House

The condition of the house you are insuring is a major concern in
Homeowners Insurance policies. If there is damage to a part of
a home like the roof or foundation, insurance companies would take
that into consideration when determining the premium amount. This
damage should be seen to promptly, to avoid costly insurance caims
in the future. Some companies may deny coverage if there is serious
damage to the roof or foundation of a house.

4. Pets

Surprise – yes your pets can make your Homeowners Insurance cost more!
Certain dog breeds are considered more dangerous to the public than
others. This probably doesn’t apply to your dog but it is a factor
based on statistical analyses by insurance companies.

5. Proximity to a Fire Station

Another suprising risk factor that insurance companies take into
account when determining premium cost is travel time from the nearest
fire station to your home. According to insurance industry institutions
fire claims make up a substantial portion of property claims. The
distance from a fire house to your house may make the difference between
a total loss or only minor damage.

6. Credit History

Credit history is a factor in determining insurance rates. Payment
history, current debt and other elements are all considerations in how
much premiums will be. The thinking is that this reduces the risk of


Risk Management Can Reduce Homeowners Insurance Premiums


If you do all you can to lessen the risk of an insurance claim, it may help
lower your insurance costs. Although some risk problems are more easily
fixed, you should be aware that knowing about these risk factors and working
to alleviate them, can lower Homeowners Insurance premiums over time.

Bogle Agency Insurance offers Homeowners Insurance to homeowners in Bergen
and Morris County NJ. We can help you discover potential risks you may face
before you have a high Homeowners Insurance premium. We are always working
to provide you with the best insurance coverage for the lowest price. If you
are looking for Homeowners Insurance give us a call at (201) 939-1076.


Cyber Crime Is A 21st Century Threat


Lyndhurst NJ Cyber Protection InsuranceUnless you are in the tech industry you might not be focused on the threat of Cyber Crime. Most of us have a computer but may not think we are vulnerable to internet crime risk. This type of criminal activity is difficult to resolve and it should be a concern to every computer
user. Bogle Agency Insurance offers Masterpiece Cyber Protection with Chubb to NJ clients, providing a broad range of coverage. Cyber Crime insurance protection is something we all need to be thinking about.


What Benefits Does Masterpiece Protection Offer Me?


Chubb’s Masterpiece Cyber Protection Insurance protects against the threat of releasing your
personal information. Additionally it protects you against the loss of financial security.
Online harassment can result in loss of income, discipline at school, and also considerable
emotional stress. If your home run business is attacked you are covered. The theft of personal
data that results in defamation of character and compromises your security is covered also.
Having to restore your online identity can be a long and stressful process. This Chubb
insurance helps shorten the odious task of internet identity restoration. Cyber crime should
be a concern in our modern times, and at Bogle we want to make certain you are well insured.


You Are Protected By Experts



Your protection against cyber crime is a priority with Bogle Agency Insurance. This is why we
offer the premium coverage that is provided with Chubb’s Masterpiece Cyber Protection Insurance.

If you and your family spend a lot of time on the internet and think of online security as a
necessity, call Bogle Agency Insurance in Lyndhurst NJ for a consultation. We can be reached at
(201) 939-1076.




Now Hiring | Bogle Agency Insurance NJ

We are currently hiring for the following full-time positions!

✅ Full-time – Commercial Insurance Sales Representative
Must have an insurance license and have experience in Commercial Lines Sale in the insurance industry
Bogle Agency Insurance offers competitive commission packages, base salaries, benefits, and much more!
✅ Full-time – Life Insurance Sales Representative
Must have an insurance license and have experience in Life Insurance Sale in the insurance industry
Bogle Agency Insurance offers competitive commission packages, base salaries, benefits, and much more!
Email resume with a cover letter to:


Is Everyone Covered By Workers Compensation Insurance?


Lyndhurst NJ Workers Compensation Insurance ServicesWorkers or employees are covered by Workers Compensation Insurance. Employers must have this insurance in place, but it only covers a worker who is injured or becomes ill while on the job. Workers Compensation Insurance provides compensation for lost wages when you are unable to work. Merely being employed does not cover you, the compensation is only available to you if your illness or injury occurs while working. If you are hurt during your own time off the clock, you are not covered.

If you take a job in a dangerous environment, be sure the employer has a Workers Compensation Policy in effect. Usually all full and part time workers are covered by Workers Compensation Insurance. If you are an independent contractor, you have to have your own personal Workers Compensation coverage.  Bogle Agency Insurance has been guiding businesses and employees toward the proper insurance protections needed in NJ for many years.


Employers Are Required To Have Workers Compensation Insurance


A business that employs more than one person must have Workers Compensation Insurance in place. To reiterate, you must become ill or be injured while at work for this insurance to cover you.


Professional Help With Workers Compensation Information


Bogle Agency Insurance offers a full array of insurance options for New Jersey business owners. Our goal is to guide you and make certain you have the insurance coverages to operate a business in this state. Our experienced agents have answers for anyone’s Workers Compensation questions. Bogle wants all workers and employers to have a safe and informed experience in the workplace.

Bogle Agency Insurance can provide Business Insurance, Bonds Coverage, Health Insurance, Property Casualty Insurance, Automobile Insurance, as well as any other protective coverage that a NJ business may need. For a consultation give us a call at (201) 939-1076.