Lyndhurst NJ Umbrella Insurance

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

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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

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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.

Winter Preparation for your Home & Business

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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?

 

Bogle Agency Insurance Has Been Selected as a Best Practices Agency For the 14th Consecutive Year!

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Bogle Agency 2017 IIABA Best Practices

Bogle Agency Insurance Included In IIABA Best Practices Study

Lyndhurst, NJ, August 17, 2017 – Bogle Agency Insurance retains its IIABA Best Practices status, once again becoming a part of an elite group of independent insurance agencies around the United States. This status comes by participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) Best Practices Study group. The annual survey and Study of leading independent insurance agencies documents the business practices of the “best” agencies and urges others to adopt similar practices.

Since 1993, IIABA and Reagan Consulting, an Atlanta-based management consulting firm, have join forces to study the country’s leading agencies in six revenue categories. The agencies comprising the study groups are selected every third year through a comprehensive nomination and qualifying process and awarded a “Best Practices Agency” designation. The agency was nominated by either an IIABA affiliated state association or an insurance company and qualified based on its operational excellence.

The selected Best Practices agencies retain their status during the three-year cycle by submitting extensive financial and operational data for review each year. This is the second year of the current three-year study cycle, where over 1500 independent agencies throughout the U.S. were nominated to take part in the annual study in 2016, but only 262 agencies qualified for the honor. To be chosen, the agency had to be among the 35-45 top-performing agencies in one of six revenue categories.

This is the 14th consecutive year that Bogle Agency Insurance has received the Best Practices award!

 

Bergen County insurance agent

Life & Health

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Life Insurance, Health Insurance

Life & Health Insurance
Bogle Agency Insurance, your guide to insurance in Bergen County NJ

Life insurance and health insurance are two important policies for individuals and families to carry. Bogle Agency Insurance now has a complete life insurance and health insurance department. Since insurance is always evolving, having someone on your side who is up to speed on changes in the industry is essential. Because every plan is slightly different, It is very important to shop around for policies. The Bergen County insurance agents at Bogle Agency Insurance can ensure that your policy is the best policy for you at the best price available.

Life insurance options include whole, term, and combined options. Which NJ life insurance policy suits your needs or your lifestyle is based on the individual purchasing life insurance. Having experience on your side to evaluate your options and deciding which plan makes the most sense is extremely helpful. Likewise, health insurance options vary greatly. Your overall health is considered when you purchase insurance. Also, whether you are looking at individual, group, or family coverage matters when choosing health insurance in NJ.

Our Lyndhurst NJ insurance agency welcomes the opportunity to evaluate your insurance options. We offer a free review of your current life and health insurance to make sure your coverage is adequate and that it’s serving as the protection you need. Insurance is meant to be there when you need it and having the right coverage is a must.

Contact Bogle Agency Insurance today!

Contact our team at Bogle Agency Insurance today to ensure that you have the Bergen County life insurance and health insurance you need. Experienced insurance agents can be the difference between adequate coverage and excellent coverage. Our goal is to make sure you and your family have the best coverage at the best price!

Will Your Homeowners Insurance Cover A Fallen Tree?

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NJ Homeowners Insurance Coverage | Bergen County NJ

NJ Homeowners Insurance Coverage | Bergen County NJ

Will your homeowners insurance cover a fallen tree? It is a common question when it comes to NJ Homeowners Insurance Coverage. As homeowners, we all deal with the intricacies of  homeowners insurance.  Most of us never think about whether we will actually use our NJ Homeowners Insurance Coverage, never mind thinking about what specific incidents are covered. Then one day you need it and you have no idea what is covered. So, what about that fallen tree?

Trees fall and when they fall they may land on something valuable like a car, your home, or your neighbor’s fence. These mishaps can be quite costly, especially because they are unexpected. It is important to know what your insurance covers with respect to the fallen tree. First off, damage to your home and other structures on your property is covered, although there is typically a cap on any structure other than the home. It also does not matter whether the tree was on your property or a neighboring property.

It is also worthy to note that you are responsible for your deductible. This deductible can be significantly different if the tree fell as a result of a classified hurricane. Sit down with your Bergen County insurance agent to discuss the difference and what your coverage is in the event of a hurricane.

Other interesting tidbits related to homeowners insurance covering a fallen tree include:

  • If the tree in question fell on your car it will be covered by your comprehensive auto insurance.
  • Trees knocked over by water or wind will not have replacement coverage.
  • The replacement cost of a tree will be covered if it fell as a result of vandalism.

Contact our team at Bogle Agency Insurance for more information on homeowners insurance in Bergen County New Jersey. We welcome the opportunity to help you understand your policy and where you may be lacking coverage or perhaps where you may be over-insured. Let us serve as your guide to whether your homeowners insurance will cover a fallen tree, as well as answer any other questions you may have.

Click here to view a video from the Insurance Information Institute for more information related to fallen trees.

Life Insurance Premiums

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Factors that Affect Life Insurance Premiums

Factors that affect life insurance premiums
Bogle Agency Insurance, answering all of your questions about life insurance

Factors that affect life insurance premiums include health and habits. Some factors may only increase your premiums slightly, but others can create a big difference. Anything viewed as a risk to your health and lifespan will affect the cost of your insurance policy. If you are worried about your eligibility or the cost of an insurance policy take the time to sit down with your NJ insurance agent. Your agent will be able to explain the differences between policies and what risks you have that will affect your premiums.

Personal Habits that Can Affect Insurance Policies

Habits that will affect your insurance include smoking cigarettes, drinking heavily, and overall risky behavior. Your age is an important factor as well. Purchasing a policy in your twenties is certainly cheaper than purchasing one in your forties. Usually, health concerns include high cholesterol levels, excessive weight, and disease.

Policy Details that Can Affect Insurance Prices

Another factor that affects life insurance premiums is the length of the policy; typically, a 30 year term is going to cost you more than a 10 year term. The longer the policy the more likely death could occur within its term, therefore higher premiums. All of the factors that affect the cost associated with a life insurance policy will be discussed with your Bergen County insurance agent. Take the time to evaluate your needs in a policy and what your goals are while also determining the risk you pose as the insured.

Why call Bogle Agency Insurance?

Bogle Agency Insurance is the authority on personal and business insurance in Bergen County and throughout New Jersey.  Contact our team today to learn more about life insurance and what you might expect to pay with your health and habits in mind. Our Bergen County insurance agents are educated, knowledgeable, and available to answer all of your questions. Let our team at the Bogle Agency help you feel comfortable with your life insurance options. We can help you choose the right New Jersey life insurance plans for you and your family.

Bergen County Motorcycle Insurance

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Bergen County Motorcycle Insurance | Bogle Agency Insurance

Bergen County Motorcycle Insurance

Your Bergen County motorcycle insurance policy can be standard or completely customized.  Individual motorcycle insurance policies can  be customized to suit your needs.  Many factors come into play with motorcycle insurance and whether you are going for a standard policy or a customized package there are incentives in place for a lower rate.  For example, insurance costs can be lowered if you take a safety course.  In addition multiple vehicles can be placed on the same policy, offering a lower price than individual policies.  Sitting down with your Lyndhurst NJ insurance agent can ensure that you are getting the coverage you need at the rate your deserve.

Motorcycles are as individual as their owners.  Many people spend hours working on their bikes, adding custom elements that improve both form and function.  Motorcycle insurance can cover specialized and customized motorcycle parts.  A Bergen County insurance agency can help determine a policy that works for your motorcycle, customized to cover your unique needs.

While custom, individual motorcycle insurance is available there are also standard policies that may fit the bill.  Liability, collision, comprehensive, and uninsured coverage represent standard coverages that are available.  In addition roadside assistance can be added to any package.  Your Bergen County insurance agent can help determine what you need and what the cost of your motorcycle insurance policy will be.

Contact our team at Bogle Insurance today to learn more about your motorcycle insurance options.  Our full service Bergen County insurance agency can help you with all of your coverage needs, including homeowners insurance, auto insurance, and business insurance.  Let us serve as your guide to insurance in Lyndhurst NJ.

Why Use an Insurance Agent?

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Bergen County NJ Insurance Agent | Bogle Agency Insurance

NJ business insurance
Bogle Agency Insurance, your Lyndhurst NJ insurance experts

Most people search for everything online these days, and insurance agents are no exception. However, it’s important to realize that search results simply cannot replace human interaction and local knowledge. If you are looking for a particular type of insurance in Bergen County, our independent insurance agents at Bogle Agency Insurance can help you find the coverage you need.

 

What Do Insurance Agents Do For The Customer?

In the simplest terms, an insurance agent works as a liaison between you and the insurance company, providing all of your administration needs and helping you find coverage that suits your needs. There are two types of insurance agents: captive and independent. Captive agents represent one company and independent agents provide a conduit to numerous agencies. Bogle Insurance Agency acts as an independent insurance agent, offering you access to numerous products from a variety of companies, ensuring that you get the coverage you need from the insurance company that will provide you with the best value and service. Insurance agents act on behalf of the insurance companies they are representing.

An insurance broker is a licensed and educated individual who has the ability to analyze the needs of a business. This is similar to an independent agent but in this case, a broker is required to hold a broker’s license. As a result, there is a higher liability associated with the license and the expertise a broker provides. There is often a charge associated with a brokerage as well in addition to the commission realized from the insurance company. Brokers represent the insured.

 

Deciding How To Choose Your Insurance Representative

 

The choice of whether you go with a Bergen County insurance agent or a broker is yours. Your top priority should be getting the coverage you need at a fair price and choosing a company with a solid reputation matters. Bogle Agency Insurance has extensive experience selling insurance in Bergen County. We represent a large number of insurance companies allowing us to help our clients select the best possible coverage and obtain the best pricing at the same time. In addition, our Bergen County insurance agency is a member of the American Insurance Marketing and Sales Society (AIMS), Independent Insurance Agents of America (IIAA), and Professional Insurance Agents Association (PIA). We have access to a limitless number of resources, are highly knowledgeable, and look out for the best interests of our clients.

Contact our team of Bergen County insurance agents today to learn more about your insurance options.

Bergen County Insurance, Coverage for Roofing Contractors

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Bergen County Insurance, Coverage for Roofing Contractors

Bergen County Insurance
Bogle Agency Insurance, Bergen County insurance coverage for home & business

Bergen County Insurance exists to cover individuals and businesses when casualties and unforeseen events occur. Roofing contractors are a prime example of a company benefiting from insurance. Roofing companies need quality coverage.  This protects liability with a product once installed, as well as any associated damage or defects. Having the right coverage is imperative.  Your NJ insurance agent will help you make sure your policy is comprehensive.

Roofing contractors in Bergen County can rest easy knowing their needs are met by Bogle Agency Insurance. Roofing issues that occur can trickle down to other aspects of a home, including the foundation. When issues go this far it is not only a big deal for a homeowner but for the roofing contractor as well. No roofing company wants to be caught without a Bergen County insurance policy in this event. A roof is an essential asset for any home.  When a roof replacement is fraught with issues a homeowner will react. If you own a roofing company in Bergen County NJ you need the right insurance coverage.

Bogle Agency Insurance will not only match your company with the right insurance package but also be there for you in the event a claim needs to be filed. What should you expect your policy to cover? Leaking, injuries, and issues related to design of the roof for starters. Protecting yourself, your company, and your employees is essential to running your Bergen County business.

Contact Bogle Agency Insurance TODAY

Contact our team at Bogle Agency Insurance today to learn more about Bergen County commercial insurance policies that will protect your roofing company. We welcome the opportunity to sit down and explain your options and determine the coverage that will keep your company safe. Let our knowledge and experience serve as your guide to Bergen County insurance, making sure you understand your coverage completely.