Bogle Agency Insurance Best Practices Agency 12th Year In A Row

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Best Practices Agency NJ Insurance

Bogle Agency Insurance has done it again! We have once again been chosen as an elite member of the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) “Best Practices” Study Group. The IIABA was founded in 1896 and is the oldest and biggest national association for independent insurance agents and brokers. There are more than 300,000 agents, brokers and their employees across the country represented by the IIABA. These businesses offer their customers a choice of policies in all lines of insurance. Bogle Agency Insurance is one of only 217 agencies in the entire country chosen to to take part in this study group and is pleased to have retained our Best Practices Agency Status, as one of the top performing insurance agencies in the country for the 12th year in a row.

Below is a copy of the official announcement.

Bogle Agency Insurance Best Practices Agency

Announcement

In August 2015, Bogle Agency Insurance was selected as a Best Practices Agency. This is our Twelfth Consecutive Year Being Selected!

Bogle Agency Insurance is part of an elite group of independent insurance agencies around the United States selected as a Best Practices Agency.

Each year the Independent Insurance Agents & Brokers Association (IIABA) and Reagan Consulting, an Atlanta-based management consulting firm, join forces to study the country’s leading insurance agencies. The purpose of the Best Practices Study is to compile the operating statistics of the country’s leading insurance agencies. To achieve this objective, the insurance agencies included in the annual study must first be nominated for participation by their peers and/or insurance companies to participate in this study group. The insurance agency must then submit detailed financial and operational information which is analyzed, scored, and ranked objectively for inclusion in the study on the basis of operational excellence including growth, profitability, productivity, and financial stability.

Our insurance agency qualified for participation in this status by ranking among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA) and Reagan Consulting. Of the thousands of insurance agencies in the United States in 2015 less than 217 insurance agencies scored high enough to qualify for this award.

Bogle Agency Insurance is pleased to have retained our Best Practices Agency Status, as one of the top performing insurance agencies in the country for the past 12 years.

Participation in the Best Practices Study has become a prestigious recognition of the superior accomplishments of the top insurance agencies. Our inclusion with these other outstanding insurance agencies clearly recognizes us as an industry leader.

Sincerely yours,

Bogle Agency Insurance Philip R. Bogle

Click to view the Official Best Practices Press Release

Do I Need Professional Liability Insurance in NJ?

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Professional Liability Insurance in NJ

Professional Liability Insurance in NJIf you are a professional operating your own business in New Jersey, you need to protect yourself with a professional liability insurance policy in addition to your in-home or business owner’s insurance policy. A professional liability insurance policy will protect you against financial losses if you are sued by a client.

There are times when even the highest trained professional will fail to use the degree of skill expected. Professionals are humans too, and it happens. There are also more often situations where, in our very litigious society, a professional will be sued even when they truly did no wrong. In either situation, as a professional you can be held responsible in a court of law for any harm, or alleged harm caused to another person or business.  The costs of even a small lawsuit and add up fast. Professional liability insurance will keep you protected against claims of negligence or failure to perform.

Because professional liability insurance is a specialty coverage, it will not be included in any homeowners, businessowners, or in-home business policy.

Why Have Professional Liability Insurance In NJ

  • Protects the assets of your business as well as the integrity of your business.
  • Covers the cost of defense and damages awarded (up to policy limits).
  • Provides specialty coverages not included in standard policies.
  • Will assist in defending against lawsuits without merit.
  • Offers high level coverage in increments of $1 million.
  • Offers Professional Liability Insurance coverage for in high-risk industries.

Contact Bogle Agency Insurance

We will help you to choose the correct professional liability insurance policy to meet your needs. Contact us at 201-939-1076. We have nearly 100 years of experience providing quality insurance to NJ residents.

 

NJ Health Insurance Coverage

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NJ Health Insurance Coverage | Important Health Insurance Info For People In NJ.

NJ Health Insurance Coverage | Bogle Agency InsuranceThere are two facts about health insurance that are always true. First, it is expensive. Second, having health insurance is one of the best, most common sense decisions you can make to benefit yours and your family’s physical, mental, and financial lives. Everyone needs medical care at one time or another, especially a growing family. Recent changes in health care laws can make it even harder to figure out what kind and how much coverage you need. Not all plans are built alike and there are many more health insurance options available than most people realize. That’s why at Bogle Agency Insurance we take the time to make sure residents of NJ have the health insurance they need. We are experts on NJ health insurance coverage.

Stay Out Of Debt With A Good Health Insurance Plan

Medical debt is one of the top reasons people in the United States end up filing for bankruptcy. The expenses that come from just one minor medical emergency can be astronomical. If you have ever taken a look at a doctor’s bill, or had a stay in a hospital you know just how expensive medical care is. A solid health care plan can and will protect you from owing way more than you can afford to a hospital or doctor.

Lacking the proper health insurance coverage, you could be looking at paying out of pocket for these and any other services that you may need in the future:

  • Doctor’s visits
  • Prescription medications
  • Lab tests
  • Surgeries
  • Treatments
  • Physical therapy
  • Emergency room visits

Remember, though you can predict some of these, you cannot predict most medical needs.

Health Plans That Fit Your Needs And Budget

Bogle Agency Insurance is happy to offer residents of NJ several flexible health insurance options. We will work together with you to find the right plan for your medical needs and your budget. Our health insurance plans for people in New Jersey include:

  • FSAs (Flexible Spending Accounts)
  • Indemnity Health Plans
  • HDHPs (High Deductible Health Plans)
  • HSAs (Health Savings Accounts)
  • HMOs (Health Maintenance Organizations)
  • PPOs (Preferred Provider Organizations)

Health Insurance Is A Top Priority

Don’t wonder if you have adequate coverage only to find out you don’t when it’s too late. Or, don’t wonder of you could be saving yourself money by getting a plan better suited to your lifestyle and budget. If it’s not already, health insurance should be a top priority for everyone. Bogle Agency Insurance is there for NJ residents with over 90 years of experience in the insurance industry. Call Bogle Agency Insurance today at (877)453-7358 for a free health insurance quote in NJ today!

 

Why You Should Consider Earthquake Insurance in NJ

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Earthquake Insurance in NJ

EarthquakeIn New Jersey we worry about hurricanes, nor’easters and snow storms each and every year. Flood insurance is a must for many areas on top of your standard homeowners. However, there is one type of insurance that often gets overlooked in New Jersey. But, it was proven just this month that it is a very wise investment. If you haven’t thought about it yet, here are some reasons why you should consider earthquake insurance in NJ.

 

Earthquake Shakes NJ

It is true that roughly 81 percent of the biggest Earthquakes happen along the “Ring of Fire” which is the Pacific earthquake belt that runs up the west coast of the United States. While most of your major earthquakes occur there, that does not mean that there are not many more major and minor ones going on all over the country, and the world all the time. Just in 2011 alone there were two significant earthquakes. One centered in Virginia that cause significant damage to the Washington Monument, and one in Oklahoma that was the state’s largest quake ever recorded in modern times. And of course, NJ was shook by an earthquake just this past month centered in Bernardsville.

 

Expect The Unexpected

Most U.S. households and businesses don’t carry insurance to cover earthquake damage. And it is not covered in your standard policies in New Jersey. An earthquake is something you can’t predict and can’t prevent. Less than one percent of the people affected by the 2011 Oklahoma earthquake were insured, while half the total losses from the 2011 Virginia quake were uninsured as well. It’s not something you expect and you hope it will never happen here in NJ. But the fact is it does happen and for a minor investment you can be protected from the unexpected.

Get Covered For Earthquake Damage Now!

New Jersey residents are not covered from earthquakes, landslides and sinkholes as a part of conventional homeowners policies. Now is the time to consider adding these provisions to your policies. Bogle Agency Insurance in Lyndhurst,  New Jersey is here to help. We can guide you on making the best decisions for the safety of your home and your family.

Why You Should Consider an Umbrella Insurance Policy In NJ

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NJ Umbrella Insurance Policy | Bergen County NJ Umbrella Insurance

NJ Umbrella Insurance Policy | Bergen County NJ Umbrella Insurance

While there are some storms you can see coming, many still pop up unexpectedly. Just like you carry an umbrella in your car to protect you from these unexpected storms, you should also consider carrying a NJ Umbrella Insurance Policy for the unexpected events life will certainly throw your way.  A good umbrella policy, like those offered at Bogle Insurance in Bergen County NJ can benefit basically anyone. But there are several specific instances where it benefits residents to carry a NJ Umbrella Insurance Policy.

We live in an increasingly litigious society. If you can dream it up, someone is trying to sue someone for it. Umbrella insurance covers you for things that are not included in your regular liability insurance, and those things that just go above and beyond your coverage. If you end up involved in any case that ends up going to a lengthy trial, you can be certain that the legal fees are going to pile up beyond your standard coverage. In this situation, your umbrella insurance would cover your legal fees. It also would cover any awards you may end up responsible for paying in these instances as well. Why not make the small investment in an umbrella insurance policy to keep your personal assets safe and your family off the hook?

New Jersey residents that own or rent a home, own a car, personal watercraft, RV, boat, motorcycle, ATV, or even those that rent a home, should be protected by an umbrella insurance. If someone gets hurt on your property, you can and likely will be held responsible for the damages. Remember, it doesn’t really have to be your fault for you to be held legally responsible. The blanket coverage offered by a NJ Umbrella Insurance Policy keeps you safe from the financial storms our litigious society may throw your way. Along with financial benefits, umbrella insurance offers you peace of mind, knowing that you and your family can weather any storm that comes your way.

Bogle Agency Insurance has served NJ home and business owners for nearly a century and continues to provide professional, responsible, and practical services and advice about insurance policies. Contact us at (877) 453-7358 to talk about an Umbrella Policy or any insurance questions you may have.

 

Car Insurance For NJ Drivers | What's The Right Amount?

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What Is The Right Amount Of Car Insurance For NJ Drivers

It’s difficult to estimate the actual amount of car insurance you may need. While you may assume that having the state minimum car insurance policy is enough, in New Jersey it is not! If you simply have a policy that meets the requirement of the state, you are left without coverage for repairs and replacement of your vehicle. Not having the money to get your car road worthy again can put you in a very tight spot. So, what is the right amount of car insurance for NJ drivers?

There is unfortunately no clear cut answer on how much coverage you need. That will depend on a long list of factors that vary from person to person and vehicle to vehicle. However, there are different types of coverage you absolutely should have above the state minimum coverage. You will need to make sure that you are covered for damage to your vehicle, and you are not just covered for damage to other vehicles. You will also want to make sure that your medical expenses will be covered as well as any liability for others involved in the accident.

At Bogle Insurance we offers several additions to the NJ State minimum coverage that are likely to meet your needs as a NJ driver. Your coverage needs may vary based on your situation and driving history.

We offer:

  • Bodily Injury Liability
  • Medical Payments Coverage
  • Property Damage Liability
  • Comprehensive and Collision Coverage
  • Uninsured Motorist Coverage

Car Insurance For NJ Drivers | What's The Right Amount?You do not want to find yourself short on coverage after an auto accident. But, you also don’t want to pay more than you need for coverage you won’t use. It’s nearly impossible to know the amount you will need. That is why talking to trusted and dedicated professionals like the agents at Bogle Insurance Agency will make it easy for you to choose the right amount of car insurance in New Jersey.

With these additions to your policy you will be sure you have enough coverage to meet your needs. It is then a matter of adjusting the amount of coverage in each area.

Laws To Ban Texting While Underway

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Laws To Ban Texting While Underway

Laws To Ban Texting While UnderwayThe issue of texting while driving is no secret to anyone these days. It’s a dangerous and careless thing to do. But, when driving a boat is the case, it is a much less talked about issue, yet has proven to be equally dangerous. There is a strong push for the texting laws of the road to expand and include the waterways.  Laws to ban texting while underway have become a hot button issue.

As reported by UnitedMarine.net “A recreational boating statistics report for 2012 listed operator inattention as the leading cause of accidents on the water. According to a Coast Guard statistic, out of 4,730 reported boating accidents in a recent year, 23% involved either “operator inattention” or “improper lookout.” Although a broad category, it is by far the largest contributor to boating accidents.”

Distracted Boaters Costs Lives

These are very alarming statistics and they have caused quite a stir in the legislative world. The National Transportation Safety Board has called for legislation and tight controls on the use of electronic devices on the water. They point to the evidence suggesting that cell phone and other electronic device usage while navigating through busy waterways creates hazards similar to those on the road. This is in fact the case as many serious accidents have been documented as being caused by cell phone use distracting the driver. There have been an alarming amount of lives lost already.

According to unitedmarine.net , former NTSB Chairwoman Debbie Herman was quoted stating, “The use of wireless devices while operating vehicles in any mode of transportation poses an unacceptable distraction. Lives are being unnecessarily put at risk and lost. The agency is requesting that the Coast Guard tighten restrictions on cell phone use by its officers. It also would like the Coast Guard to work with the NTSB and issue a broad safety advisory to the entire maritime industry warning of the dangers of using cell phones for calling or texting while aboard an underway vessel.”

The Coast Guard Puts Down Their Phones

Due to these concerns and discussions, the Coast Guard has prohibited the use of cell phones by anyone operating their boats and have restricted cell phone use for other crew members. This is the first step in creating further legislation possibly leading to a cell phone ban for anyone driving a boat or personal water craft.

While many people are cheering on this legislation, looking for any way to make the water safer for their friends and family, others disagree. Many say that it is not an issue that any amount of legislation can fix, and it’s common sense and awareness that will fix the issue. It looks as if right now we will have to wait and see. One thing is for certain, we can all do our part in making the water and the roads more safe by putting down the phone.

Basic Preparation Tips Will Reduce Flood Insurance Claims

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Basic Preparation Tips Will Reduce Flood Insurance Claims

Basic Preparation Tips Will Reduce Flood Insurance Claims

Although floods can happen at any time, and for any number of reasons including failed dams, new construction and even droughts, there is no better time to seriously assess your flood insurance coverage than hurricane season. Most flood insurance policies take at least 30 days to kick in so you’ll want to be sure that you get yours in place right away. Once in place, you still will want to take safeguards to insure you prevent the need to make any claims. Following these basic preparation tips will reduce flood insurance claims.

The first thing to do is to prepare your property for a flood. Even just a few inches of water can cause thousands of dollars in damage. So, by taking just a few minutes to prepare your property you can greatly reduce the damage that would be done by a flood. Simple things like clearing your gutters, and keeping trees and bushes trimmed go a long way against wind and running waters. Another important, yet overlooked tip is placing your furnace, water heater, washer and dryer up on blocks at least 12 inches above the flood levels.

Creating a list of important personal possessions and documents, and placing them in a safe location that will remain dry during a flood is the next important step to take. Things like insurance policies and agents contact information, household and business related documents, financial records, birth certificates, marriage licenses and major purchase receipts are the kind of things you will be happy to have safe when they are needed.

While you have taken the very important steps to secure your property and possessions, the most important thing to protect is your family. Creating an emergency family plan is the key to staying safe and calm during a natural disaster. Make sure if you have small children they understand when to call 911 and how to do it. Keeping all emergency numbers next the phone also helps keep any panic to a minimum.  Keeping first aid items and water well stocked in the home reduces the need to leave the house during unsafe conditions. If it is necessary to leave the home during a disaster, work out an emergency route and meeting place with your family.

It does not take much time, money or effort to put these safeguards in place. You will be grateful that you did if the unfortunate time comes that your home and family face a disaster. But following these basic preparation tips will reduce flood insurance claims, and keep your home as untouched by disaster as possible.

 

BOGLE AGENCY SELECTED BEST PRACTICES AGENCY FOR ELEVENTH YEAR

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 BOGLE AGENCY SELECTED BEST PRACTICES AGENCY FOR ELEVENTH YEAR

 

Announcement

In August 2014, Bogle Agency Insurance was selected as a Best Practices Agency!  This is our Eleventh Consecutive Year Being Selected!

bestpractices

 

Bogle Agency Insurance is part of an elite group of independent insurance agencies around the United States selected as a Best Practices Agency.

Each year the Independent Insurance Agents & Brokers Association (IIABA) and Reagan Consulting, an Atlanta-based management consulting firm, join forces to study the country’s leading insurance agencies.  The purpose of the Best Practices Study is to compile the operating statistics of the country’s leading insurance agencies.  To achieve this objective, the insurance agencies included in the annual study must first be nominated for participation by their peers and/or insurance companies to participate in this study group.  The insurance agency must then submit detailed financial and operational information which is analyzed, scored, and ranked objectively for inclusion in the study on the basis of operational excellence including growth, profitability, productivity, and financial stability.

Our insurance agency qualified for participation in this status by ranking among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA) and Reagan Consulting.  Of the thousands of insurance agencies in the United States in 2014 less than 200 insurance  agencies scored high enough to qualify for this award.

We are pleased to have retained our Best Practices Agency Status, as one of the top performing insurance agencies in the country for the past 11 years.

Participation in the Best Practices Study has become a prestigious recognition of the superior accomplishments of the top insurance agencies.  Our inclusion with these other outstanding insurance agencies clearly recognizes us as an industry leader.

BestPracticesAgency_2013

 

Sincerely yours,

 

Bogle Agency Insurance

Philip R. Bogle

BOGLE AGENCY INSURANCE TEAMS UP TO SUPPORT COMMUNITY HEALTHCARE

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FOR IMMEDIATE RELEASE:

 

Bogle Agency Insurance, Agency Network Exchange

201-939-1076

prbogle@bogleagency.com

 

 

BOGLE AGENCY INSURANCE AND AGENCY NETWORK EXCHANGE SUPPORT COMPREHENSIVE BEHAVIORAL HEALTHCARE THROUGH MATCHING GRANTS FROM THE SELECTIVE INSURANCE GROUP

 

 

Lyndhurst, NJ, August 4, 2014 – Bogle Agency Insurance, in conjunction with Agency Network Exchange and The Selective Insurance Group Foundation, joined forces to support the positive efforts of Comprehensive Behavioral Healthcare through a $1,000 grant.

 

“As part of the Lyndhurst business community for 95 years, we take pride in giving back through opportunities like this,” said Philip R. Bogle, owner of Bogle Agency Insurance and member of Agency Network Exchange. “We are proud of the work that Comprehensive Behavioral Healthcare does locally and throughout the state of New Jersey in helping people with mental illness, and we support them wholeheartedly. We also thank Selective for making this matching grant possible.”

 

The grant represents a $500 donation from Bogle Agency Insurance and Agency Network Exchange, matched by a $500 grant from The Selective Insurance Group Foundation.

boglegrant

 

“The matching grant program allows us to partner with our agents to support the needs of the communities we serve,” said Chuck Musilli, Senior Vice President, Chief Field Operations Officer for Selective.

 

Bogle Agency Insurance is an independent insurance agent that has served the northern New Jersey community since 1919, through four generations of the Bogle family. Agency Network Exchange (ANE) is a network of independent, growth-oriented agencies with the scale to increase contingent income, access broader markets and provide exclusive programs – all without giving up control of their agencies!

 

Selective Insurance Group, Inc. is a holding company for ten property and casualty insurance companies rated “A” (Excellent) by A.M. Best. Through independent agents, the insurance companies offer primary and alternative market insurance for commercial and personal risks, and flood insurance underwritten by the National Flood Insurance Program. Selective maintains a website at www.selective.com.

 

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