Bergen County Motorcycle Insurance

Posted by B3X2lG9n0X3 on June 19, 2017

Bergen County Motorcycle Insurance | Bogle Agency 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?

Posted by B3X2lG9n0X3 on June 15, 2017

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

Posted by B3X2lG9n0X3 on June 13, 2017

Bergen County Insurance, Coverage for Roofing Contractors

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.

New Jersey Insurance Plans, High or Low Deductible

Posted by B3X2lG9n0X3 on May 23, 2017

New Jersey Insurance Plans – High or Low Deductible?

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

Posted by B3X2lG9n0X3 on April 25, 2017

Homeowners Insurance Bergen County | Named Perils

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

Posted by B3X2lG9n0X3 on February 20, 2017

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

Posted by B3X2lG9n0X3 on December 27, 2016

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

There 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

Posted by B3X2lG9n0X3 on December 18, 2016

Bergen County NJ Special Event Insurance | Bogle Agency Insurance

The 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

Posted by B3X2lG9n0X3 on November 16, 2016

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

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

Posted by B3X2lG9n0X3 on November 14, 2016

NJ Cyber Liability Insurance | Bergen County NJ Business 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.

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