Personal Umbrella Insurance

Posted by B3X2lG9n0X3 on April 24, 2018

Personal Umbrella Insurance Starts Where Primary Leaves Off

Personal umbrella insurance starts where your primary insurance leaves off. Insurance products are often limited, including homeowners insurance, auto insurance, and health insurance to name a few. While these products offer the coverage you need, Umbrella insurance can help you cover the unexpected. It is available to step in when your insurance doesn’t cover the full amount of a settlement. Your Lyndhurst NJ insurance agent is here to evaluate your individual needs and ensure a policy is drafted to deliver the coverage you require.

How Does Personal Umbrella Insurance Work?

Umbrella Insurance is exactly what it sounds like. It is a policy that covers you above your other policies. By having Umbrella Insurance, you are ensuring that, in the event of an unexpected lawsuit, you are covered completely. For instance, if an unfortunate event occurs at your home and results in your family being sued $2 million, but your homeowner’s insurance only covers up to $1 Million you’d be left to cover the difference. This could result in losing your home, cars and much more. However, If you’re covered by Personal Umbrella insurance, the policy would step in and cover that additional $1 Million, leaving you and your family safe from financial disaster.

What Does Personal Umbrella Insurance Cover?

A New Jersey umbrella insurance policy provides additional coverage on top of your homeowner’s policy, your auto policy, or your boat insurance policy. This is extremely helpful should you be sued for amounts above the limit provided by your general policies. Umbrella insurance, however, is not a requirement. But, it is certainly recommended for anyone with significant assets or savings.

In addition to extra coverage for your primary insurance policies, umbrella insurance will cover liabilities incurred by activities in which you partake outside of what your general liability insurance covers. This can include coaching, volunteering, playing sports, and even serving on the board of a non-profit. Umbrella insurance covers the unforeseen and offers peace of mind in unusual circumstances.

Learn More About Personal Umbrella Insurance

Contact our team at Bogle Agency Insurance today to learn more about New Jersey insurance products. Our experienced agents look forward to explaining umbrella insurance policies and whether one is necessary for you and your family. Let our knowledge and experience serve as your guide to personal umbrella insurance in Bergen County NJ.

NJ Commercial Umbrella Insurance | Bogle Agency Insurance

Posted by B3X2lG9n0X3 on April 18, 2018

Commercial Umbrella Insurance Provides Extra Layer of Protection For Businesses

Commercial umbrella insurance provides an extra layer of protection for business owners. Owning and operating a business involves a certain amount of risks, some industries have more risks than others. Having this extra protection is instrumental to protecting your business and your own personal finances. A New Jersey commercial umbrella insurance policy makes sure that your business is covered where your standard commercial policy may run out.

Businesses face risks every day. From the more obvious, like slips & falls to the not so expected false advertising lawsuit. Your business most likely holds commercial vehicle coverage, Commercial property insurance, worker’s compensation insurance, and general liability insurance among its policies. However, these policies typically have a limited payout amount. That is where Commercial Umbrella Insurance comes in. In the event of a large lawsuit, Your Bergen County commercial umbrella policy will protect you and your business.

How Does Commercial Umbrella Insurance Work?

All businesses are required to have some sort of insurance. This insurance covers everyday risks of doing business. In the event of a lawsuit, the business may be forced to pay out damages to whoever, or whatever is damaged. Let’s say you have been sued for false advertising and required to pay back $1.5 Million to your customers. Your general business liability insurance will cover $1 Million as per your policy, but the remaining $500,000 is left for you to pay out of pocket. In order to protect yourself, and your business, Commercial Umbrella Insurance will step in and cover the remaining $500,000. This leaves you free to continue conducting business without worrying about being stuck in a bad financial state.

Learn More About NJ Commercial Umbrella Insurance

Contact our team at Bogle Agency Insurance today to learn more about New Jersey commercial umbrella insurance policies. Our experienced agents look forward to evaluating your business insurance needs to ensure that you have the coverage you require. Let our knowledge and experience serve as your guide to commercial umbrella insurance in Lyndhurst NJ.

NJ Business/Commercial Insurance, Types of Coverage Needed

Posted by B3X2lG9n0X3 on March 27, 2018

NJ Commercial Insurance | Types of Insurance Coverage Needed For Businesses

NJ commercial insurance requires different types of coverage to ensure success and to cover your assets. Types of business insurance coverage include Workers Comp, Employer Practices Liability Insurance (EPLI), General Liability, Business Automobile, and Commercial Umbrella. Of course, different sized organizations need different sized policies and coverage. Choosing the right insurance policies for your business should be a number one priority!

Understanding What Your Business Needs Is Essential

It is helpful for NJ business owners to understand the different types of commercial coverage needed. Below is a basic rundown of the different policies that may be needed for your business.

Workers Compensation Insurance covers an employee when he/she is injured on the job. This policy also protects an employer from being sued by the injured employee. Even companies with low risk of injury are required to hold NJ workers comp insurance. And there is a reason for that, even low-risk positions could result in unexpected injury, so it is best
Employer Practices Liability Insurance (EPLI) is coverage for the employer. There is a lot of risks involved with employing people and EPLI keeps a business covered. Of course, understanding policies and procedures as well as having excellent record keeping can help lower costs for EPLI.
General Liability Insurance covers a business for the unexpected, whether its a slip and fall on the premises or property damage incurred. Liability insurance protects not only assets, but also the company itself from potential lawsuits or even having to pay out damages.
Business Automobile Insurance covers your vehicles and your employees driving the vehicles. This is essential coverage for any business that owns vehicles of any type. Traditional vehicle insurance does not typically cover vehicles used in a business setting or manner. So, it is important to make sure your vehicle is covered for commercial use!
Commercial Umbrella policies cover additional liabilities resulting from lawsuits or other damage. This is an extra layer of insurance designed to protect a company’s assets in the event of an unexpected situation that regular insurance may not cover. Commercial umbrella insurance is a great way to avoid the stress of wondering if your regular business insurance is enough coverage.

Because each business is different, commercial insurance policies are not one size fits all. In addition to the commercial insurance policies listed above, there are other policies you may desire, such as cyber insurance. The size of your company, the type of business you are running, as well as your property and equipment owned all contribute to the type of business insurance you need. Your Lyndhurst NJ insurance agent at Bogle Agency Insurance will be extremely helpful in ensuring that your company’s insurance needs are met and your assets are covered

Learn more about NJ commercial insurance policies

Contact Bogle Agency Insurance today to learn more about business insurance in New Jersey. We welcome the opportunity to provide you with information on how to best protect your business and your assets. Let our knowledge and experience serve as your guide to NJ commercial insurance.

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

Posted by B3X2lG9n0X3 on January 18, 2018

Insurance for Home Business: What Insurance Should Home-Based Businesses Have?

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

Posted by B3X2lG9n0X3 on January 9, 2018

Bergen County NJ Homeowners Insurance Coverage | Safety & Precautions

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

Posted by B3X2lG9n0X3 on November 15, 2017

Is Your Home or Business Ready 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!

Posted by B3X2lG9n0X3 on August 17, 2017

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!

Life & Health

Posted by B3X2lG9n0X3 on August 9, 2017

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?

Posted by B3X2lG9n0X3 on July 28, 2017

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

Posted by B3X2lG9n0X3 on July 19, 2017

Factors that Affect Life Insurance Premiums

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.

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