New Jersey Insurance Plans, High or Low Deductible

New Jersey Insurance Plans – High or Low Deductible?

New Jersey Insurance Plans
Bogle Agency Insurance, Bergen County New Jersey Insurance Plans experts

An examination of New Jersey insurance plans may have you wondering whether to go with a high or a low deductible. This is a good question to ask yourself and your insurance agent when purchasing a plan.Customers should always weigh out the pros and cons of a high deductible vs. a low deductible carefully before signing up for a Bergen County NJ insurance policy.

A major benefit of a high deductible is the lower premium. This is great for a person who has a rainy day fund available. For those living paycheck to paycheck, higher deductibles could be a huge setback. Although no one can force the use of insurance, the reality is that it exists for protection against the unforeseen.

Low deductibles are available to help keep money in your pocket during an unfortunate event. This can offer great peace of mind in the event something occurs. However, a low deductible means a higher monthly premium. Consider your insurance policy carefully and discuss your options with your NJ insurance agent. The decisions you make now could affect you down the road.

Contact Bergen County insurance experts today

Contact our team at Bogle Agency Insurance today to learn more about a variety of personal and business insurance policies available. Our Bergen County insurance agents are educated, knowledgeable and available to help answer all of your questions. Let our team help you feel comfortable with your insurance options. We can be your guide to choosing the right New Jersey insurance plans for you, your family, and your business.

New Jersey Homeowners Insurance, Named Perils

Homeowners Insurance Bergen County | Named Perils

Homeowners Insurance Bergen County | Named Perils | Bogle Agency Insurance
Bogle Insurance Agency, your choice for homeowners insurance

Knowing what the named perils are is an important part of understanding your New Jersey homeowners insurance. Peril is the name given by insurance companies to represent what is covered in a policy. Named perils is a term given to issues covered by a policy. This is important to recognize as many homeowners purchase additional policies to cover those perils not included in the standard policy. Your Bergen County insurance agent will walk you through what is included on your policy and what is not.

Common named perils include weather related incidents as well as theft.  A good example of what is not included as a named peril is damage as the result of a flood or an earthquake.  These incidents require additional policies.

Typical named perils include damages as a result of:

  • Fire
  • Lightning
  • Wind
  • Hail
  • Snow
  • Ice
  • Explosion
  • Vehicles
  • Smoke Damage
  • Theft
  • Vandalism
  • Aircraft
  • Civil Unrest

To many these issues seem unlikely but it is important to be prepared for anything and everything. Your Bergen County homeowners insurance policy will cover the standard claim issues that arise with a host of weather and human related issues not to mention water damage occurring from major plumbing issues like burst pipes or a cracked water heater. These named perils should be considered when weighing your coverage and help you determine any additional coverage that may be needed.

Call Bogle Agency Insurance Today

The Bogle Agency wants homeowners in Bergen County to feel comfortable with their homeowners insurance coverage. Our insurance agents are well versed in common policy overages as well as additional available policies. We are here to answer all of your questions and help you with your concerns. Contact our team today and let us help you understand what coverage you need in your homeowners insurance policy. Let Bogle Agency Insurance serve as your guide to New Jersey homeowners insurance.

Why Use an Insurance Agent?

Bergen County NJ Insurance Agent

Bergen County NJ Insurance Agent | Bogel Agency Insurance Lyndhurst NJ
Bogle Agency Insurance, Bergen County Insurance Agency

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.

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 your get the coverage you need from the insurance company that will provide you with the best value and service. Insurance agents act on behalf on 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.

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.

Cyber Insurance Coverage


Stay Protected With Cyber Insurance | Bogle Agency Insurance Bergen County NJ
Bogle Insurance Agency, your choice for insurance coverage in Bergen County NJ

Bergen County NJ Cyber Insurance Coverage

Bergen County cyber insurance is one of the newest types of insurance coverage to hit the insurance market designed to offer protection for your most personal information. With so many people storing their data on computers and in the cloud there is more risk than ever for personal and financial information to make its way into the hands of cyber criminals. While implementing a security policy in your home or office is important, having cyber insurance can help quell your fears and give you peace of mind in the event you find your security has been breached.

Most of us feel vulnerable at one point or another when it comes to typing in personal information, whether we are storing the information for ourselves or ordering something online. From saving passwords to entering financial information and beyond wavering between trust and fear is a natural phenomenon these days, often requiring a leap of faith. Luckily insurance policies have been created to protect individuals from risk associated with cyber breaches.

There are many steps that can be taken to protect yourself in the cyber world.  Strong passwords are one thing, storing them another.  Stay away from obvious names and dates and implement characters, numbers, and letters in a way that you won’t remember without writing them down and storing in a secure spot.  Another important element of cloud security is internet access.  Secure internet access is essential for maintaining your security.  Be savvy on your social media usage as well.  Understanding that your personal information is available to more than just your friends is important.  Your Bergen County insurance agent will be able to explain available risk coverage while offering security tips at the same time.

The Bogle Insurance Agency wants residents in Bergen County to rest assured that their cyber risk is covered. If you have questions or concerns about cyber security and cyber insurance policies please give us a call today. Our goal is to help you understand the coverage you need, ensuring you have the coverage necessary for the unknown. Let us serve as your guide to cyber insurance in Bergen County NJ.

Click here to read “Private cyber insurance provides adequate risk coverage: study” from Insurance Business Magazine.

Avoiding Preventable Accidents In Your Home

Bergen County NJ Homeowners Insurance Coverage | Safety & Precautions

Bergen County NJ Homeowners Insurance Coverage | Bogle Agency
Bogle Agency Insurance, Homeowners Insurance

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 homeowners 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

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 homeowners 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

Staying Safe In Ice And Snow

Bergen County NJ Homeowners Insurance | Bogle Agency Insurance Lyndhurst, NJ

Bergen County NJ Homeowners Insurance | Winter Weather SafetyThere is no weather condition that stresses the need for good Bergen County NJ homeowners insurance coverage more than icy and snowy weather. From keeping your walkways clear to driving as safely as possible, there are many steps that can be taken ahead of time to prepare for the elements to avoid disaster or inconvenience this New Jersey winter.  Inclement winter weather conditions add hazards to our daily lives that in turn have the potential to create liability issues for homeowners, renters, and drivers. Protection is essential and evaluating your insurance coverage should be a priority. The Bogle Agency offers Bergen County NJ homeowners insurance options out of our offices in Lyndhurst NJ to ensure you are covered for a myriad of circumstances.

Items on your must-do winter checklist include:

  • clear icicles
  • shovel walkways around your home, including the driveway
  • keep all stairs free of ice and snow
  • have sand, cinders, or ice melt available to sprinkle on icy areas
  • keep doors to your home and garage doors closed to avoid excess cold entering your home and freezing pipes
  • have snow tires on your vehicles
  • have an ice scraper, a blanket, and a shovel in each vehicle you own
  • make sure the defroster and heat work in your car
  • check your insurance coverage

Throughout the winter season it should be a priority to keep walkways clear of snow and ice. Preventing the possibility of someone slipping and falling in front of your house or on your property is important. In the event slips and falls do occur knowing you are backed up by a good homeowners insurance policy can relieve the stress and worry of liability.

Sit down with your Bergen County New Jersey insurance agent today to discuss your coverage and how unforeseen incidents on your property can affect it. If you have questions or concerns about your Bergen County NJ homeowners insurance policy or any of your policies, please give us a call today. Our goal is to help you understand the coverage you need and making sure you have the coverage necessary for unforeseen occurrences. Let us help you enjoy a stress-free winter season.

Special Event Insurance In NJ

Bergen County NJ Special Event Insurance | Bogle Agency Insurance

Bergen County NJ special event insurance | Bogle Agency Insurance NJThe holiday season has arrived and it is time for parties and gatherings to celebrate the season and another great year! In 2015 alone, 9 out of every 10 business across all industries will be hosting holiday gatherings. 52% of the employees of these companies say that, at one time or another, they have witnessed someone under the influence of alcohol acting recklessly at company events. If something goes wrong, the business can be held liable for the actions of their guests even after they have left the event! Needless to say it s a very wise investment for local business owners to invest in Bergen County NJ special event insurance provided by Bogle Agency Insurance in Lyndhurst. .

A special event policy offers policyholders the ability to cover the risk involved in holding an event without jeopardizing their own personal policies. A special event policy will provide medical coverage for all slips, trips and falls all while providing first dollar coverage for special A policyholder can also add general liability and host liquor liability at separate limits to their Bergen County NJ special event insurance policy.

What events can be covered under special event insurance?

  • Bake/food sales
  • Beef and beer events
  • Christmas light shows
  • Christmas parties
  • Company parties
  • Concerts
  • Hanukkah parties
  • Holiday parties
  • Home tours
  • Parades
  • Wine festivals

With all of the things that can go wrong, it is the responsible thing to do as a business owner to make sure you and your employees are fully covered in any event. We all want the holidays to be a happy and joyous time to celebrate. But, as we all know unfortunate things do happen. A Bergen County NJ special event insurance policy give you the peace of mind to enjoy the holidays knowing you are covered.

For information on how you can cover your events contact us at Bogle Agency Insurance.

Insurance for Your Holiday Party

Bergen County NJ Commercial Insurance Coverage | Holiday Party Liability

Bergen County NJ Commercial Insurance Coverage | Holiday Party LiabilityInsurance for your holiday party may not be on your radar when thinking about Bergen County NJ commercial insurance coverage. In fact, insurance for your holiday party may not be something that you have ever even heard of never mind considered. This is the time of year for company parties, a time of cheer and holiday spirit and a time where there may be 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 mail clerk, and a time for clients to join in the fun, the presence of alcohol can pose a liability. This liability can put your company at risk.  Luckily Bogle Agency Insurance can help you assess your Bergen County NJ commercial insurance policy, including your coverage, your risk, and your needs.

The United States Department of Labor states 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 at 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 Bergen County NJ 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 the general coverage you may want to consider Employment Practices Liability Insurance. This will protect you from behavior that could take place if an employee of your company behaves inappropriately toward a co-worker or 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 to minors. Having plenty of non-alcoholic beverages on hand and a variety of food as well will work in your favor.

Bogle Insurance Agency wishes you a happy and safe holiday season. If you have questions or concerns about Bergen County NJ 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 New Jersey and throughout Bergen County, NJ.

Who Is Covered Under NJ Workers Comp Insurance?

Bergen County Workers Comp Insurance | Bogle Agency Insurance

Bergen County Workers Comp Insurance

When it comes to Bergen County business insurance and Bergen County Workers Comp Insurance, one of the most pressing questions is often who’s covered and who’s not?  Workers compensation insurance in Lyndhurst New Jersey exists to protect workers who get hurt on the job.  This type of insurance is also mandatory for a business to pay into and protects a Bergen County business as well as its employees.  When an employee is hurt on the job there are things that employers should know.

One of the most important things to know about workers compensation insurance in New Jersey is that it is required for all businesses, including LLCs and sole proprietors.  While some states have companies that can be exempted that is not the case here in Bergen County or anywhere in New Jersey and, in fact, often anyone from out of state coming here for contract work needs to enroll in workers comp in our state.

Businesses do have the opportunity to self insure for workers comp but they must do so through an application process and receive approval from the Commissioner of the Department of Banking and Insurance.  Workers compensation is designed to protect employees who get injured on the job.  Your Bergen County insurance specialist can help you understand your coverage and whether your company has any gaps that need to be filled.

Contact our team at Bogle Insurance today to learn more about business insurance insurance in Bergen County.  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 and throughout Bergen County.