Who Is Covered Under NJ Workers Comp Insurance?

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Bergen County Workers Comp Insurance | Bogle Agency Insurance

NJ Commercial Insurance | NJ Business Insurance | Bogle Agency

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

Workers Comp Insurance

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

New Jersey Workers Comp Insurance

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

Contact Bogle Agency Insurance

Contact our team at Bogle Insurance today to learn more about business insurance in Bergen County.  Our full-service Bergen County insurance agency can help you with all of your coverage needs, including homeowners insurance, auto insurance, and business insurance.  Let us serve as your guide to insurance in Lyndhurst NJ and throughout Bergen County.

Bogle Agency Insurance is Hiring in NJ

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Commercial Insurance Sales Representative Wanted NJ

We are currently looking to hire a Commercial Insurance Sales Representative to work alongside us at Bogle Agency Insurance. We are an elite member of the Independent Insurance Agents & Brokers of America “Best Practices” Study Group that has been in business in New Jersey for nearly 100 years!  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 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.

Read more about Bogle Agency Insurance here.

Commercial Insurance Sales Representative | Bogle Agency Insurance NJBogle Agency Insurance is seeking to hire a full-time, experienced, motivated Commercial Insurance Sales Representative to generate new Commercial Lines business. Any knowledge or experience with Personal Lines, Life & Health Insurance is a benefit this firm would value.  

Bogle Agency Insurance is a well-known, established regional independent insurance agency, located in Lyndhurst, NJ.

Bogle Agency Insurance represents numerous insurance markets and insurance companies and has an experienced support staff to help you increase your income.

A candidate must be extremely organized, product knowledgeable, motivated, interested & willing to develop new insurance sales. Must have a sales oriented personality, be a self-starter, and have good verbal & written communication. Only experienced candidates with sales & marketing experience will be considered.

Benefits package includes base salary, commission, paid holidays, paid vacation, medical benefits, ownership in your book of business, plus other benefits. Terms are negotiable.

If you are Not interested in making money, please do not apply. We are not interested in complacency. We strictly seek people willing to grow with us and always to make more money.

For more information on this fabulous opportunity contact Philip R. Bogle at prbogle@bogleagency.com, cell phone #201-323-3883 or office phone # 201-939-1076.

Forward resume to Philip R. Bogle. All information kept in strictest confidence.

View our job opening on LinkedIN and connect with us!

Questions To Ask When Buying Homeowners Insurance In NJ

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Questions To Ask When Buying Homeowners Insurance In NJ

Whether you are a first time home buyer in NJ or you are looking to update your current homeowners insurance policy, it is important to begin by choosing a trusted company who has a long track record of happy customers. When you choose the right company to insure your home, you can sit down and talk through all the important issues that need to be taken into consideration when covering your home. Here are important questions to ask when buying homeowners insurance.

What Is The House Worth?

First, you need to decide on the home’s insurance value. This is based on what it would cost to rebuild the house, not the market value of the house. You can work with your agent to figure this out by using tools that consider the size and building materials used in the home.

What Is My Deductible?

You will have to choose your deductible amount when choosing a homeowners policy. You can save money on premiums by choosing a higher deductible amount. This also ensures that you will not be making several small claims, keeping you a more attractive customer and lessening the chances of being dropped by the insurer. Just be sure that with a high deductible, you have an emergency fund available to cover you.

Do I Need Flood Insurance?

Flood insurance will not be covered in a standard homeowners policy. If your home is at risk of flooding, you can buy flood insurance through your homeowners insurance agent. At Bogle, we can help you acquire flood insurance. If you have a mortgage on your home, the mortgage company may require you to have flood insurance if the home is at risk. This includes many areas in New Jersey.

Are The Contents Of My Home Covered?

Homeowners insurance will automatically cover your possessions up to a percentage of your home’s insurance value. Many time this percentage will be set at 75%. So by that logic, if you are insured for $200,000 you automatically will have your possessions covered up to $150,000. There may be a lower limit for items such as jewelry. Therefore, if you have a high amount of valuables, you may want to add some additional coverage for them. To streamline a claims process, inventory the contents of your home and keep that list updated. You can do this with photos and/or videos of each room. That way, if you have an incident you will know exactly what is missing or damaged.

At Bogle Agency Insurance, we have been in business for nearly 100 years with a long track record as a trusted NJ insurance company. Contact us today to talk about your homeowner’s policies!

 

Businesses Must Have Workers’ Compensation Insurance In NJ

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Workers’ Compensation Insurance NJ

Workers’ Compensation Insurance NJ | Bogle Agency Insurance | NJThere are very few businesses in the United States that are immune to the need to carry workers’ compensation insurance. Most states require employers to purchase an insurance plan that covers workers who are injured or made ill due to exposure in the workplace. In New Jersey this is mandated. It’s not a bad thing considering the costs of meeting these obligations, should a situation arise with an employee. These are hard financial obligations to carry for businesses small or large. The mandate, plus the obvious need for this coverage is why you need to carry workers’ compensation insurance in NJ.

 

What Does Workers’ Compensation Cover In NJ?

Workers’ compensation insurance provides specific and comprehensive benefits to workers who suffer injury or illness in the workplace. Benefits typically include:

  • Medical Benefits
  • Death Benefits
  • Lost Wages
  • Vocational Rehabilitation

As an employer, if you fail to carry worker’s compensation insurance, you are left exposed to the liability of paying all these benefits out of your pocket. You are also open to being sued, something that workers’ compensation protects you from.

When You Need To Buy Workers’ Compensation Insurance In NJ?

In most cases, you will need to purchase a workers’ compensation insurance policy in NJ as soon as you have one employee who is not a partner or business owner.

What Does Workers’ Compensation Insurance Cost In NJ?

Cost of workers’ compensation insurance in NJ is generally calculated by risk. Your industry determines your risk classification. Frequency of possible injuries and severity of possible injuries are the two main factors considered.  The salary of the employee is also another determining factor of the costs per employee. However, it is not set in stone You can increase or decrease your premiums based on factors such as safety history and offering health insurance. There are also optional add ons to policies that will affect the costs.

Get Covered

Contact Bogle Agency Insurance to discuss your need for workers’ compensation insurance and your other business insurance needs. Also see our article on NJ Business Liability Insurance.

 

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.