New Jersey Homeowners Insurance, Named Perils

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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.

Cyber Insurance Coverage

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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.

Staying Safe In Ice And Snow

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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

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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 events.claims. 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.

Bergen County Fire Safety For Homeowners

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Bergen County Homeowners Fire Safety Tips | Bergen County NJ Homeowners Insurance

Bergen County Homeowners Fire Safety Tips

Fire safety in Bergen County is important for everyone to practice. It is also a very important element of any Bergen County homeowners insurance policy that homeowners must be sure provides them adequate coverage.  Bogle Agency Insurance will make sure that you have all the right coverage for your home, and also provide Bergen County Homeowners fire safety tips to help keep your family and your investment safe.

From installing smoke detectors to annual chimney sweeps and everything in between, knowing your home is safe and prepared for a fire is essential.  If you have any doubts about how prepared your home is in the event of a fire you can consult your local Bergen County insurance agent or your fire department.

Fire safety tips include:

  • having a working fire extinguisher in every floor in your home.
  • installing smoke detectors on every floor
  • monthly testing of fire alarms
  • installing an alarm system that notifies the fire department if tripped
  • creating a fire escape plan and talk about it with your family on a consistent basis
  • cleaning lint away from clothes dryers
  • keeping things away from light bulbs
  • not overloading your outlets

We honestly could provide a seemingly endless list of fire safety tips, but many of them come down to common sense. The most important thing is to be aware and alert.  Never assume your home is clear of obstacles. Take some time to look around your home each month to make sure it is free of fire hazards.

Homeowners insurance in Bergen County is necessary to cover unforeseen accidents, incidents, damage, and catastrophes.  However, following Bergen County Homeowners fire safety tips will significantly reduce your risk of a house fire.  Knowing your home is as safe and protected as possible is a key element of healthy living.

 Click here for an extensive list of fire safety tips from the National Fire Protection Association.

Contact our team at Bogle Insurance today to learn more about homeowners insurance and Bergen County Homeowners fire safety tips.  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.

NJ Small Businesses Need Cyber Liability Insurance

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NJ Cyber Liability Insurance | Bergen County NJ Business Insurance 

NJ Cyber Liability Insurance

By now it is doubtful there is anyone, especially anyone in business that is not aware of the threats business face to online security breaches. Companies as large as Amazon, Spotify and Netflix have all been hacked recently, and for small businesses the danger is not any less. In fact, hackers look at small business as a prime target due to their generally lower security standards and the ability for hackers to get into systems using your personal devices! That is why small businesses in Bergen County and beyond need NJ cyber liability insurance.

Bogle Agency Insurance Provides Cyber Liability Insurance in NJ

Cyber insurance is a very important and highly overlooked protection for small businesses. In addition to antivirus, antispyware and firewall protection, cyber insurance will cover you when these just are not good enough protection. A general business liability policy will not help you recoup losses or legal fees that come from a data breach. You need separate coverage to protect yourself and your business from these damages.

It is easy to assume that these types of policies are only necessary for large companies. However many insurance carriers now offer tailor-made cyber coverage for small businesses, offering them the protection they need that fits their budget.

There are different coverage levels to each type of policy and this includes cyber liability insurance. There are first party policies that will cover general costs of a breach that include legal expense, PR campaigns to help recover, business interruption and costs of notifying customers. Third party coverage will protect you if you are at the center of the breach and sensitive information has been stolen from you directly. Third party coverage will cover fees if you are sued.

Talk to us at Bogle Agency Insurance today to talk about cyber liability insurance and all of your business insurance and personal insurance needs in NJ. We have been in business for nearly 100 years and have always stayed up to date with the needs of our customers. We have seen the need for cyber liability insurance grow dramatically the last few years. Don’t wait until it’s too late!

While the need for cyber liability Insurance can’t be understated, there are steps you can take on your own to avoid cyber security breaches.

Remember these tip to keep your business safe online in NJ

  • Keep antivirus software up to date.
  • Educate your employees.
  • Set company security policies.
  • Prepare an incident response plan.

NJ Small Business Winter Safety Tips

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Winter Safety Tips For NJ Small Business |Bergen County Business Insurance

Winter Safety Tips For NJ Small BusinessFor small business owners, winter weather can be extremely stressful. From the worry that the weather will cause a loss in income, to figuring out how to remain open while keeping both employees and customers safe, it can be overwhelming. Not to mention keeping the building itself from damage and heavy wear. These NJ Small Business Winter Safety Tips can help you prepare a solid plan and limit the stress.

Small Businesses Must Plan for Snow Maintenance In NJ

Put someone on your staff in charge of preparing for winter weather. This includes monitoring the weather and alerting staff the forecast.  You can also have this person arrange signage for your entry ways and parking lots alerting customers to be ware of ice, etc if this is applicable. Have them make sure you are fully stocked with shovels, salt, snowblowers, etc to make sure you are ready when the weather hits.  This person should also develop a plan to contact employees to advise them of the plans for the weather, ie. closed for the day, or a delayed opening. You and your staff should also develop a plan for who clears walkways and parking lots, etc.

When Snow Maintenance is to be Done by Contractors make sure you conform ahead of time that they will be taking care of your sow removal and have a guaranteed written contract. Also make sure you have a back up plan in the event something goes wrong. 

More NJ Small Business Winter Safety Tips

Prepare Entry Areas

It is a very good idea to place “walk-off” mats at entries during periods of rain or snow. Make sure to check the condition of the mats,  ensuring that the edges are flat and do not create a tripping hazard. Also be sure to keep tiled surfaces dry and place wet floor signs in all applicable areas.

Prepare Sidewalks

Determine ahead of time who is responsible for clearing the sidewalks. It will likely be you, not your town so you must make sure that you have a designated staff member n charge of doing this task, or your snow removal contractor includes sidewalks in their services. Snow covered sidewalks are a major liability!

Clear Snow

Make sure all of the following areas applicable to your business are clear of snow and ice.

  • Hydrants
  • Control Valves and Hose Houses
  • Sidewalks, Ramps and Entryways
  • Driveways
  • Roads
  • Heating and Ventilation Equipment and Ducts
  • Roofs
  • Overhangs
  • Canopies

Snow Placement

When snow is being removed, it needs to be placed somewhere else. This place will have to be on your property. You will need to determine the best placement for this snow that is safe during freeze and thaw temperatures.

Snow placement should always be away from:

  • Main Entry and Walkways .
  • Away from Hydrants, Fire Department Connections and Outside Sprinkler Control Valves.
  • Where it will not drain onto the parking lot, street or sidewalk and re-freeze.

In Bergen County and throughout New Jersey, we can always be sure to expect winter weather and need to be prepared as business owners. Neglecting these NJ Small Business Winter Safety Tips can leave you open to liabilities no small business owner ever wants to face.

Bergen County insurance
Bogle Agency Insurance, your Bergen County insurance agency of choice

Tips for Winter Driving

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Tips for Winter Driving In NJ

Tips for Winter Driving In New Jersey | Bogle Agency InsuranceWith winter weather quickly approaching New Jersey, it is important to remember that just because the roads look clear, it does not mean they are 100% safe and can be driven on as you do normally. With the risk of ice, especially black ice, and extra narrow lanes it’s important to be extra alert and prepared for anything. Make sure you follow these tips for winter driving so you and everyone around you can stay safe.

See and Be Seen

Always make sure that you can see clearly and be seen clearly by other drivers. It is very important that you clean all the snow off of your car before you hit the road. This includes your windshield, all windows, outside mirrors, reflectors and lights. This will ensure that you will be able to be seen, and will prevent snow from flying off your car and blinding other drivers. In addition to clean, snow free lights also make sure you use the correct lights. Never drive with your parking lights as opposed to headlights in bad weather, or at dusk. Parking lights can cause other drivers t think you are much further away than you actually are.

Know The Road Conditions

Get the feel of the road before you get too far from home. Try out your brakes and see how slippery the road feels. Adjust your speed accordingly and remember the road conditions change along with the temperatures. Once You are out in traffic increase the distance you normally keep between yourself and cars ahead of you. DO NOT TAILGATE! The heavier your vehicle, the more space you will need to come to a stop. No matter the weight of your car, play it safe and stay several car lengths behind the driver in front of you.

Use Your Brakes The Right Way

Brake ahead of curves, not while you are already in one. Every vehicle is sensitive to over-braking and over-steering on curves. You may not know what is around the bend. Instead of possibly needing to slam on the brakes, just take it nice and slow around curves. In other words, minimize your risk.

If you need to slow down further, or stop completely,what you need to do next depends on the type of brakes you have. If you are equipped with anti-lock brakes then put your foot firmly on the brake and let the ABS system pump your brakes for you while you concentrate on steering. If you don’t have ABS then you will need to pump your brakes. This will help to keep the wheels from locking up, causing you to slide.

Be Prepared

Always be prepared. Check the forecast before you leave and the traffic reports. Give yourself more time than you need to get somewhere so you do not have to rush at all. Always keep the following items on hand in case of emergency.

  • A charged cell phone
  • A working flashlight
  • A shovel
  • An ice scraper
  • Blankets
  • Any critical medications and water/food.

If you get stuck, stay with your car and run it only as much as necessary to stay warm. Be sure that the tailpipe of the car is cleared of snow, or you risk carbon monoxide poisoning. Finally place a bright marker on your antenna so you can bee seen.

It is important to remember these tips for winter driving to help keep yourself and everyone on the road safe this winter. If everyone following these safety tips, we can really minimize the risk of being out there.

More Bergen County NJ Halloween Safety Tips

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Bergen County NJ Halloween Safety Tips

More Bergen County NJ Halloween Safety Tips

Get your sidewalk neat before they trick-or-treat – Walk the path from the street to your door and clear anything that trick-or-treaters could trip over or slip and injure themselves. This includes gardening equipment, hoses, toys, potted plants, lawn ornaments and even Halloween decorations that block the path to your front door.

Make your yard spooky, not dangerous – Be sure to clean up before candy-fueled children charge through your yard. Remove dead branches, sticks and acorns, rake up the leaves, fill in holes and trim your hedges to prevent any injuries.

A well-lit driveway can still be scary – There’s nothing scarier for a homeowner than seeing a masked trick-or-treater blindly stagger up your dark driveway. Help them out by turning on all of your exterior lights and lining your driveway and sidewalk with lights or luminaries. Never use any open flames, which could lead to disaster and injury. Instead, use LED tea lights or other decorative Halloween lights to prevent a fire. These should also be used in jack-o-lanterns in lieu of candles.

Keep your beasts in the dungeon – It doesn’t matter if you’ve got a vampire bat or a kitten as a pet, a constantly ringing doorbell can be too much excitement for your animal. To keep your pet from sprinting out of your open front door and possibly injuring someone, keep them confined to another room in the house.

 

Safe Driving Tips for Halloween In Bergen County NJ

 

No speed demons allowed – If you are driving through a residential area, drive as slow as possible. Avoid passing stopped vehicles in case they are dropping off children. You should also be especially cautious when entering and exiting driveways.

The horrors of distraction – On Halloween, neighborhoods are filled with children unexpectedly darting out into the street. Put away your cell phone and don’t look away from the road to ensure you don’t injure any trick-or-treaters. You should also never drive while wearing a mask.

Turn signals aren’t terrifying – Communicate your intentions to pedestrians and other drivers by using your turn signals. If you’re dropping off trick-or-treaters, pull over and use your hazard lights.

Drinking on Halloween can be a nightmare – It doesn’t matter if you’re driving or walking, drinking on Halloween can be a deadly choice. The combination of alcohol and the increased number of people walking in the streets at night makes Halloween the most dangerous night of the year for pedestrians.

 

Bergen County NJ Halloween Safety Tips

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Bergen County NJ Halloween Safety Tips

Bergen County NJ Halloween Safety Tips

Bergen County NJ Halloween safety tips can ensure a safe and fun time.  Halloween is a holiday enjoyed by many, a time to dress up, trick or treat, and socialize with friends and family.  Taking the time to prepare for keeping everyone safe, children and adults alike, can help make this spooky holiday fun and safe for all.  The holiday usually starts with pumping carving, a great activity to get everyone excited for what is to come.

When carving pumpkins it is essential toy get everyone involved but not everyone should have sharp tools.  Get the young children to draw their designs on the pumpkins but take over the carving yourself.  While it may go without saying it remains important to not the importance of taking the steps to make sure young children do not have access to sharp knives.

When it comes to the kids make sure to keep danger at bay.  Here are a few safety tips for a safer trick or treat experience:

  • Adults should accompany children 12 and under.
  • Know the trick or treat route, especially if the kids are going on their own.
  • Cross streets at crosswalks.
  • Walk on sidewalks.
  • Stay in groups.
  • Have flashlights, reflective tape on costumes is a great idea.
  • Have flexible props.
  • Check the candy before it is eaten.  Avoiding hand wrapped, hand cooked treats is essential, no matter how appealing they may look.

The number one tip for adults is to be alert behind the wheel, kids are everywhere on Halloween and it is dark.  Halloween is a pedestrian event and being aware of your surroundings is essential if you are driving.  If you do not know the neighborhood you are driving through be even more cautious.  Expect trick-or-treaters to be walking around up until around 9:30 pm.  Make sure your Bergen County auto insurance is current.

Contact Bogle Insurance Agency today, your Lyndhurst NJ insurance agent of choice, for more safety tips.  Our knowledge and experience can help you create safer environments and make sure you have the coverage you need.  Enjoy Halloween and take the time to make sure you are safe.