Insurance for Your Holiday Party

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Holiday Party Liability Insurance Coverage |Holiday Party Liability Insurance | Bergen County NJ Business Insurance NJ

Liability Insurance coverage for your holiday party may not be on the radar when thinking about commercial insurance coverages. In fact, insurance for your holiday party may not be something that you have ever even heard of, never mind considered. This can be the time of year for company parties in Bergen County and the surrounding area towns of NJ. It may be a time to celebrate, but also a time where maybe there is a bit more fun happening than intended. While holiday parties represent a time for everyone to mingle, a time for the boss to rub elbows with the entire team, and a time for clients to join in the fun, the presence of alcohol can pose a liability. This liability due to a Holiday Party can put your company at risk. Luckily Bogle Agency Insurance can assess your commercial insurance policy, including your coverage, your risk, and any additional needs.

The United States Department of Labor makes it clear that the improper use of alcohol at office parties can make employers vulnerable to liability under workers’ compensation, as well as tort and other laws. Liquor liability laws hold a server of alcohol liable, which when related to a party means the host. As a result, it is imperative that businesses take the necessary precautions to protect themselves. This protection can occur with the proper commercial insurance coverage. In most cases, a company’s commercial general liability policy will cover this, but it is certainly worth a discussion with your Bergen County NJ Insurance Agent.

Going a step further than general coverage, a business may want to consider Employment Practices Liability Insurance. This will protect from situations related to when an employee behaves inappropriately, maybe toward a co-worker or a client. Alcohol can bring on strange behavior, and making sure your company is covered is essential.

While everyone wants to have a great time at a party, it is important to stress the need to drink responsibly. Make sure to relay the message to the leaders in your business to set a good example. In addition, follow the law. Do not serve minors! Having plenty of non-alcoholic beverages on hand and a variety of food as well will work in your favor.

Better Insurance Practices | Better Insurance Agency Bergen County NJ 

Bogle Insurance Agency wishes you a happy and safe holiday season. If you have questions or concerns about commercial insurance coverage policies or personal insurance policies, please give us a call today. Our goal is to help you understand the coverage you need, making sure you are covered under all circumstances that may arise. Let us help you enjoy a stress-free holiday party season.  We welcome the opportunity to serve as your guide to insurance in Lyndhurst and throughout Bergen County, NJ.

Why it’s a Good Idea for an Annual Policy Review

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Why it’s a Good Idea for an Annual Insurance Policy Review

Annual Insurance Policy Review | Bogle Agency Insurance
Bogle Agency Insurance, insurance coverage for your home or office

There are many reasons while its a good idea for an annual insurance policy review when it comes to your Bergen County insurance policies. Let’s face it, elements of your life are constantly changing.  When you don’t review your insurance policies on a yearly basis there can be gaps in coverage.   Changes that occur in your life could include a new vehicle, the purchase of art, or perhaps the acquisition of new equipment for your business. This is why Bogle Agency Insurance, the go-to source for insurance in New Jersey, recommends an annual insurance policy review.

Questions to ask yourself:

These are but a few things to consider when reviewing your current NJ insurance policies. Life moves at such a fast pace that we may not even realize the changes that are occurring affect our insurance coverage. Should you have any major changes in your life at any time during a policy’s term we recommend that you contact Bogle Agency Insurance 201-939-1076, to discuss the changes.

Contact Bogle Agency Insurance today for your annual insurance policy review

Contact our team at Bogle Agency Insurance today to schedule a review of your current New Jersey insurance policies. We will help make sure that there are no gaps in your coverage. In addition, we will make sure that you do not have unnecessary coverage. Let our knowledge and experience offer the advice you need to cover the unexpected. An annual policy review is always a good idea.  And an experienced Lyndhurst NJ insurance agent is essential in making sure you have the coverage you need.

Avoiding Preventable Accidents In Your Home This Winter

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Bergen County NJ Homeowners Insurance Coverage | Safety & Precautions

NJ Homeowners Insurance
Bogle Agency Insurance, NJ homeowners insurance experts

Being a homeowner is a hefty responsibility and making sure your investment is covered is the most vital step in protecting what is likely the largest and most important investment you’ll make in your life.  Sit down with a Bergen County insurance agent today to review your current policy and make sure you have the proper amount of coverage in place for both your home and your possessions.

Homeowners insurance offers peace of mind, protecting homeowners during times of unforeseen circumstances.  Unfortunately, not all homeowners insurance is equal.  You should review your homeowner’s insurance to make sure it meets your specific needs.  However, while insurance offers safety and protection it is also necessary for homeowners to take responsibility to avoid unfortunate incidents that are preventable.

Bergen County NJ Homeowners Insurance Coverage | Safety & Precaution Steps For Homeowners During Winter Include:

  • Keep sidewalks, driveways, and steps clear to help prevent people from tripping or falling
  • Annual inspections and servicing of the heating system, by the utility company or qualified service technician
  • Survey your home for ice build up on the roof
  • Keep electrical meter and connections free of snow accumulations
  • Keep an adequate supply of warm clothes, batteries, and food supplies in case there is a power loss or snow accumulations that keep you indoors for extended periods of time
  • Keep your cell phone charged
  • Make sure you have fuel for your car
  • If you have a snow blower make sure you have plenty of fuel on hand

Bogle Agency Insurance covers Homeowners in New Jersey

Let our team at Bogle Agency Insurance help you with all of your Bergen County insurance needs.  Knowing you have adequate coverage will provide you peace of mind and the ability to relax and enjoy your home.  Our agents can help examine your homeowner’s insurance policy to ensure that you have the coverage you need to protect your house and all of your belongings.  We welcome the opportunity to serve as your Lyndhurst NJ insurance agent and advise you on important homeowners safety measures and precautions.

Click here for some great additional information on home safety from USA.gov.

Life & Health

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Life Insurance, Health Insurance

Life & Health Insurance
Bogle Agency Insurance, your guide to insurance in Bergen County NJ

Life insurance and health insurance are two important policies for individuals and families to carry. Bogle Agency Insurance now has a complete life insurance and health insurance department. Since insurance is always evolving, having someone on your side who is up to speed on changes in the industry is essential. Because every plan is slightly different, It is very important to shop around for policies. The Bergen County insurance agents at Bogle Agency Insurance can ensure that your policy is the best policy for you at the best price available.

Life insurance options include whole, term, and combined options. Which NJ life insurance policy suits your needs or your lifestyle is based on the individual purchasing life insurance. Having experience on your side to evaluate your options and deciding which plan makes the most sense is extremely helpful. Likewise, health insurance options vary greatly. Your overall health is considered when you purchase insurance. Also, whether you are looking at individual, group, or family coverage matters when choosing health insurance in NJ.

Our Lyndhurst NJ insurance agency welcomes the opportunity to evaluate your insurance options. We offer a free review of your current life and health insurance to make sure your coverage is adequate and that it’s serving as the protection you need. Insurance is meant to be there when you need it and having the right coverage is a must.

Contact Bogle Agency Insurance today!

Contact our team at Bogle Agency Insurance today to ensure that you have the Bergen County life insurance and health insurance you need. Experienced insurance agents can be the difference between adequate coverage and excellent coverage. Our goal is to make sure you and your family have the best coverage at the best price!

Will Your Homeowners Insurance Cover A Fallen Tree?

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NJ Homeowners Insurance Coverage | Bergen County NJ

NJ Homeowners Insurance Coverage | Bergen County NJ

Will your homeowners insurance cover a fallen tree? It is a common question when it comes to NJ Homeowners Insurance Coverage. As homeowners, we all deal with the intricacies of  homeowners insurance.  Most of us never think about whether we will actually use our NJ Homeowners Insurance Coverage, never mind thinking about what specific incidents are covered. Then one day you need it and you have no idea what is covered. So, what about that fallen tree?

Trees fall and when they fall they may land on something valuable like a car, your home, or your neighbor’s fence. These mishaps can be quite costly, especially because they are unexpected. It is important to know what your insurance covers with respect to the fallen tree. First off, damage to your home and other structures on your property is covered, although there is typically a cap on any structure other than the home. It also does not matter whether the tree was on your property or a neighboring property.

It is also worthy to note that you are responsible for your deductible. This deductible can be significantly different if the tree fell as a result of a classified hurricane. Sit down with your Bergen County insurance agent to discuss the difference and what your coverage is in the event of a hurricane.

Other interesting tidbits related to homeowners insurance covering a fallen tree include:

  • If the tree in question fell on your car it will be covered by your comprehensive auto insurance.
  • Trees knocked over by water or wind will not have replacement coverage.
  • The replacement cost of a tree will be covered if it fell as a result of vandalism.

Contact our team at Bogle Agency Insurance for more information on homeowners insurance in Bergen County New Jersey. We welcome the opportunity to help you understand your policy and where you may be lacking coverage or perhaps where you may be over-insured. Let us serve as your guide to whether your homeowners insurance will cover a fallen tree, as well as answer any other questions you may have.

Click here to view a video from the Insurance Information Institute for more information related to fallen trees.

Why Use an Insurance Agent?

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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

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Bergen County Insurance, Coverage for Roofing Contractors

Bergen County Insurance
Bogle Agency Insurance, Bergen County insurance coverage for home & business

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

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New Jersey Insurance Plans – High or Low Deductible?

New Jersey Insurance Plans
Bogle Agency Insurance, Bergen County New Jersey Insurance Plans experts

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

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Homeowners Insurance Bergen County | Named Perils

Homeowners Insurance Bergen County | Named Perils | Bogle Agency Insurance
Bogle Insurance Agency, your choice for homeowners insurance

Knowing what the named perils are is an important part of understanding your New Jersey homeowners insurance. Peril is the name given by insurance companies to represent what is covered in a policy. Named perils is a term given to issues covered by a policy. This is important to recognize as many homeowners purchase additional policies to cover those perils not included in the standard policy. Your Bergen County insurance agent will walk you through what is included on your policy and what is not.

Common named perils include weather related incidents as well as theft.  A good example of what is not included as a named peril is damage as the result of a flood or an earthquake.  These incidents require additional policies.

Typical named perils include damages as a result of:

  • Fire
  • Lightning
  • Wind
  • Hail
  • Snow
  • Ice
  • Explosion
  • Vehicles
  • Smoke Damage
  • Theft
  • Vandalism
  • Aircraft
  • Civil Unrest

To many these issues seem unlikely but it is important to be prepared for anything and everything. Your Bergen County homeowners insurance policy will cover the standard claim issues that arise with a host of weather and human related issues not to mention water damage occurring from major plumbing issues like burst pipes or a cracked water heater. These named perils should be considered when weighing your coverage and help you determine any additional coverage that may be needed.

Call Bogle Agency Insurance Today

The Bogle Agency wants homeowners in Bergen County to feel comfortable with their homeowners insurance coverage. Our insurance agents are well versed in common policy overages as well as additional available policies. We are here to answer all of your questions and help you with your concerns. Contact our team today and let us help you understand what coverage you need in your homeowners insurance policy. Let Bogle Agency Insurance serve as your guide to New Jersey homeowners insurance.

Staying Safe In Ice And Snow

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

Bergen County NJ Homeowners Insurance | Winter Weather SafetyThere is no weather condition that stresses the need for good Bergen County NJ homeowners insurance coverage more than icy and snowy weather. From keeping your walkways clear to driving as safely as possible, there are many steps that can be taken ahead of time to prepare for the elements to avoid disaster or inconvenience this New Jersey winter.  Inclement winter weather conditions add hazards to our daily lives that in turn have the potential to create liability issues for homeowners, renters, and drivers. Protection is essential and evaluating your insurance coverage should be a priority. The Bogle Agency offers Bergen County NJ homeowners insurance options out of our offices in Lyndhurst NJ to ensure you are covered for a myriad of circumstances.

Items on your must-do winter checklist include:

  • clear icicles
  • shovel walkways around your home, including the driveway
  • keep all stairs free of ice and snow
  • have sand, cinders, or ice melt available to sprinkle on icy areas
  • keep doors to your home and garage doors closed to avoid excess cold entering your home and freezing pipes
  • have snow tires on your vehicles
  • have an ice scraper, a blanket, and a shovel in each vehicle you own
  • make sure the defroster and heat work in your car
  • check your insurance coverage

Throughout the winter season it should be a priority to keep walkways clear of snow and ice. Preventing the possibility of someone slipping and falling in front of your house or on your property is important. In the event slips and falls do occur knowing you are backed up by a good homeowners insurance policy can relieve the stress and worry of liability.

Sit down with your Bergen County New Jersey insurance agent today to discuss your coverage and how unforeseen incidents on your property can affect it. If you have questions or concerns about your Bergen County NJ homeowners insurance policy or any of your policies, please give us a call today. Our goal is to help you understand the coverage you need and making sure you have the coverage necessary for unforeseen occurrences. Let us help you enjoy a stress-free winter season.