Laws To Ban Texting While Underway

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

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

 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

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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FIREWORKS SAFETY – July 2014

Fireworks Safety – July 2014

 

At Bogle Agency Insurance, one of the things we strive for is your safety under all circumstances! And during our country’s independence month, firework safety is very, very important.

 

We know everybody likes to have a little fun over the July 4th holiday, especially with the vast array of firecrackers, colorful bottle rockets and high-flying missiles available for purchase, but we urge and stress you to DO IT SAFELY. With that said, here are some great guidelines to maintaining the fun, while maintaining your fingers too!

fireworksafety

The safest way to enjoy fireworks is to attend a public fireworks show put on by professionals. Stay at least 500 feet away from the show. Many states outlaw most fireworks. If someone is setting fireworks off at home, they should follow these safety steps:

–Never give fireworks to small children, and always follow the instructions on the packaging.

–Keep a supply of water close by or fire extinguisher as a precaution.

–Make sure the person lighting fireworks always wears eye protection.

–Light only one firework at a time and never attempt to relight “a dud.”

–Store fireworks in a cool, dry place away from children and pets.

–Never throw or point a firework toward people, animals, vehicles, structures or flammable materials.

–Leave any area immediately where untrained amateurs are using fireworks.

 

For a complete list of the local fireworks displays throughout the state of New Jersey, click here: www.nj.com/news/index.ssf/2014/07/july_4_events_2014_nj_fireworks_parades_music_and_more.html

And if you need any more tips, or further information concerning fireworks safety, please visit the Consumer Product Safety Commission at this website: www.cpsc.gov/en/Safety-Education/Safety-Education-Centers/Fireworks/

 

Thank you, and have a wonderful Fourth of July!!

Bogle Agency Insurance

 

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#Throwback Thursday: The Importance Of Tradition For Bogle Agency Insurance

#Throwback Thursday: The Important Of Tradition For Bogle Agency Insurance

 

 

At Bogle Agency Insurance, we’ve been around the Lyndhurst, New Jersey community for a long time, and we’re very proud of it!

Exactly how long you ask? Since 1919, and on this “Throwback Thursday” we’ve got the pictures to prove it.

Horace R. Bogle, pictured below, founded The Bogle Agency, Inc. in 1919. We have since been providing insurance to the businesses & families of New Jersey for over 95 years! Since then, we have gained the trust of thousands of clients throughout the years. Just recently, we have succeeded in keeping our great tradition alive by now becoming a fourth generation agency. As an Independent Agency, we hope to continue following in the same path as our ancestors in maintaining as well as creating stable relationships for years to come.

horacebogle

 

How did we look back in the early days of Bogle Agency Insurance? How about these photos, that currently adorn the conference room in our state-of-the-art, eco-friendly new office building at 200 Stuyvesant Ave. in Lyndhurst, New Jersey! We even advertised back then!

 

oldboglebuilding oldboglead

 

So, the next time you have an insurance need or question, why not consider us! We’re all about protecting you and your family with the decades of experience that “our” family can provide. Our personnel are not only licensed and trained in the field of insurance, they are also friendly, courteous and responsible.  After all, servicing our clients is what has made our agency one of the most prestigious agencies in New Jersey.

 

“As the president of this agency, it would be our pleasure to administer your insurance program in any way possible. We look forward to keeping excellent contact with our clients. After all, you deserve an insurance agency that is dedicated to understanding the insurance industry and how it is related to you as the customer.”

Sincerely yours,

Philip R. Bogle, owner

Bogle Agency Insurance

 

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Bogle Agency "Refer A Friend" Returns

Refer a friend to our agency and get a complimentary $25 Visa gift card!

 

25visagiftcard.jpg

Here at the Bogle Agency, we’re looking for new business, and we are willing to pay you to help! 

 

If you refer a friend, who activates a new personal or commercial policy with us any time in September or October, we will send you a $25 Visa Gift Card as a reward. It’s that simple, but there will be a limit of one reward per household, and it must be on a new policy, not a renewal or existing policy. 

 

This is just our way of saying Thank You to the best clients in the business and we hope you’ll share that opinion with your family and friends.

 

To claim your reward, just make sure your friend mentions this program when they call the office for a quote at 201-939-1076 or 1-877-453-7358.  They can also e-mail us at: philbogle@bogleagency.com or send us a message via Facebook on our Fan Page, and while you’re there, make sure to LIKE us too!

At Bogle, we strive to give our clients the best possible service at the best possible price.  That’s what we’re here for, and we hope to hear from you soon.

Thank you!

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BOGLE AGENCY INSURANCE RECEIVES BEST PRACTICES AWARD FOR TENTH STRAIGHT YEAR

BOGLE AGENCY INSURANCE RECEIVES BEST PRACTICES AWARD FOR TENTH STRAIGHT YEAR

 

In August 2013, Bogle Agency Insurance was selected as a Best Practices Agency. This is our Tenth Consecutive Year Being Selected!

thankyou.jpg

Bogle Agency Insurance is part of an elite group of independent insurance agencies around the United States selected as a Best Practices Agency. Since 1919, we’ve proudly served Garden State residents with all of their New Jersey insurance needs

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 2013 only 213 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 10 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.

Thank you to our clients and staff for making this award possible!

Come see why Bogle Agency Insurance should be the one stop you make for all your insurance needs. Call us today at 201-939-1076 or 1-877-453-7358, or just visit our website for a free quote or insurance review at: www.BogleAgency.com.

 

Sincerely yours,

Philip R. Bogle,

Owner, Bogle Agency Insurance

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Cyber Liability Insurance: It's Not Just For Big Business

Cyber Liability Insurance: It’s Not Just For Big Business

Have you ever thought about how you would respond if you or your New Jersey business was hacked?

Well, you probably should, because some very sensitive information is stored in your personal and business computers and servers. Things like contact info, addresses, social security numbers, and a business is liable to protect that information. Cyber hacking has become one of the fastest growing segments in crime and you read about it almost every day.

hacker.png

According to a report from Inc.com, insurance that protects you in case of a cyber attack may seem like something only large corporations would ever need, or could ever afford. But believe it or not, cyber liability insurance makes lots of sense for small companies as well. Here’s why:

1. It’s more affordable than you think.

“I’ve seen policies with premiums as low as $2,000 a year, though it can go up from there,” says Ethan Miller, partner at the San Francisco law firm Hogan Lovells. You can get coverage as high as $30 million and deductibles as low as $10,000, depending on your needs and what you’re willing to pay. Cyber liability insurance is still a fairly new concept, so there’s a lot of variation among policies, and a lot of room for negotiation.

2. It can cover more than you think.

Many policies offer “first party” coverage–that is, they will pay you for things like business interruption, the cost of notifying customers of a breach, and even the expense of hiring a public relations firm to repair any damage done to your image as a result of a cyber attack. Having this cash available in the event of a crippling hack can keep the lights on till you’re able to resume your normal cash flow. A good policy can even cover any regulatory fines or penalties you might incur because of a data breach.

Business interruption coverage can be especially important for a small business, Miller says, which may not be as diversified as a larger one, or have the same financial resources. “If a larger company has one line of business shut down by a data breach, it may be able to depend on its other lines for revenue. A smaller company may only have one line of business.”

3. You probably don’t have a risk management team.

Big corporations have entire departments devoted to analyzing the risks the company could face and helping set policies and procedures to protect against them. You don’t–but a good insurance carrier can perform a similar function.

“There are a couple of ways insurance can bridge that gap,” Miller says. “An insurer might work with a small company to make sure a firewall is in place to protect your network, and make sure you have social media policies that reduce risk.” Your insurer may well be willing to help with these areas because the better protected you are, the less likely you are to have a breach that could result in a claim.

4. Even if you don’t host your data yourself, you’re still responsible.

Is your website and any of your data hosted or stored in the cloud? Take a good look at your contracts: You’re still legally responsible. “There’s a significant risk,” says Karen L. Stevenson, senior counsel at Buchalter Nemer, a law firm with offices in California and Arizona. You can’t fully control how a cloud provider handles your data but an insurance policy can protect you if your cloud provider screws up.

5. Your general policy won’t cover you.

Typically, a general liability policy specifically excludes losses incurred because of the Internet, Miller says. So a good cyber liability policy can pick up where your general policy leaves off.

Make sure your cyber policy covers laptops and mobile devices as well, to give yourself coverage in as many situations as you can. “Work with your broker to integrate cyber liability with your general policy and employment liability policy,” Miller advises. “You want to give yourself the most seamless coverage possible.”

Don’t take unnecessary risks! At Bogle Agency Insurance, we can custom craft a policy that meets your needs and your budget. For more information, or a cyber liability quote, give us a call in our Lyndhurst, NJ offices at 201-939-1076 or 1-877-453-7358. We can also be reached at our virtual insurance office at www.bogleagency.com.

 

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LIFE INSURANCE: A TRUE VALENTINE'S GIFT OF LOVE

LIFE INSURANCE: A TRUE VALENTINE’S GIFT OF LOVE

This year, instead of giving candy, why not go for something more meaningful – life insurance!

Are you looking for a different kind of Valentine’s Day gift this year? One that will set you apart and really make a long term financial difference to you and your loved ones?

Then how about purchasing some New Jersey life insurance from us at Bogle Agency Insurance?

https://www.bogleagency.com/insurance-solutions/personal-insurance/life-insurance/

No, it may not be as sexy and attractive as chocolates or roses, but those items don’t last forever. Life Insurance does!

Consider that you are providing this future financial promise for those nearest and dearest to you: a loving spouse, your beloved children, or possibly a meaningful charity or cause. Suddenly, a candy heart seems a bit pale by comparison.

Yet this act of true love – purchasing life insurance- is often forfeited or delayed. Maybe it’s because of the off-putting horror stories of life insurance hard-sales tactics (backing the hearse up to the door) or the confusing arguments over whether term or “permanent” is the better deal or bigger rip-off.

At Bogle Agency Insurance, our independent agents can take the mystery out of those terms and figure out what’s right for you and your family. And it’s not as expensive as you think. Give us a call at 201-939-1076 or 1-877-453-7358 so we can discuss your options. Or you can request a quote from our “virtual insurance office” at www.bogleagency.com.

 

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