A Detailed Look At Employee Benefits Insurance

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For over 25 years, Saucon Insurance Agency has assisted the Bethlehem PA community by offering different insurance policies to residents. Our primary goal is to help your clients find the insurance coverage that they need so that they are protected throughout their personal lives and professional careers.

Employee Benefits Insurance

Employees are a valuable part of successful businesses. At Saucon Insurance Agency, we work with our clients to find an employee benefits policy that will identify risks and then help them find solutions to those risks.

Employee benefits insurance helps protect businesses and their employees. In the event that an employee files a grievance or claim against the business, the policy can help protect the business. Employee benefits insurance policies often cover most of the common employee benefits, including health insurance, retirement benefits, worker’s compensation, and pensions. If your business forgets to properly give you all of the benefits that you are entitled to, they may be held liable without employee benefits insurance.

Employee benefits insurance helps businesses ensure that they properly manage their employee benefits programs to avoid any misunderstandings. Employee benefits insurance is also an asset for businesses that offer different benefits packages to individual employees, as well as businesses that have a high employee turnover rate.

Employees could inquire into their policies in order to add language pertaining to getting injured on the job, counseling, as well as any issues related to their salary or retirement plan. Any issues concerning health insurance enrollment should also be outlined in the employee benefits insurance policy.

Saucon Insurance Agency Will Guide You!

We will sit down with you and answer any questions that you may have regarding employee benefits insurance. We strive to ensure that all of our clients adhere to state and federal laws. Stop by our office in Bethlehem, PA today!

Importance of Creating a Safe Work Environment

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Safety should be a trademark for any work environment. At Saucon Insurance Agency, we encourage business owners in Bethlehem, PA to make workplace safety a priority. A safe workplace will help reduce accidents, improve morale, and increase productivity – all good reasons for raising the safety standard of your business environment.

Why You Should Make Safety a Priority

A safe workplace benefits both you and your workers in numerous ways.

Workplace safety reduces the risk of accidents and injuries on the job. As a result, you’ll have fewer safety investigations and worker’s comp claims, which can help keep your worker’s comp insurance costs down.

People who work in a safe, healthy environment are happier and more productive, which will increase business revenue. A safe workplace will boost morale, enabling you to retain good workers on a long term basis. A loyal, experienced workforce can be a tremendous asset to growing your company.

A safe work environment promotes health and wellness, reducing the rate of absenteeism for sickness or disease.

Raising the safety level of your workplace reduces the risk of accidental damage to valuable business equipment. You’ll spend less on equipment repair and replacement costs.

Tips for Creating a Safe Working Environment

There are various ways to improve safety in your business environment. Here are just a few:

  • Encourage supervisors and employees to report hazardous conditions in your workplace and take measures to correct them.
  • Implement safety procedures that can help reduce the risk of accidents.
  • Train your employees in how to perform their job safely and how to use industrial machinery.
  • Make sure all employees have the safety gear they need to perform their tasks.
  • Purchase commercial insurance to protect your Bethlehem, PA business and workers against accidents and financial loss.

For more information about commercial insurance coverage and costs, contact Saucon Insurance Agency.   

Mini Guide to Preparing Your House for Summer

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The residents of Bethlehem, PA are days away from sweltering temperatures, tornado warnings, pest invasions, and blasts of rainstorms. If you are like many others, you are expecting this year to be especially hot, which means that your home will be at full force with all of the unpleasant things associated with the summer heat. Before summer cleaning the grill and pulling the lawn furniture, taking the time to prepare your home for the summer will allow you to focus more on enjoying longer days, than worrying about pest invasions and a poorly operating air conditioner. So, Saucon Insurance Agency has put together a mini-guide to help you prepare your home for summer.

Prevent Pest Invasions

Summer weather is notorious for bringing out pests, especially ants and flies. Most bugs go into hibernation during the colder months, unfortunately, they may decide to stay out of the cold by hibernating in or near your home. The minute it starts to warm up, the bugs that have been staying warm inside of your walls and attic will begin to make their presence known. One of the most common types of pest problems is ants. Here are some tips to prevent and get rid of ant invasions:

  • Make sure everything is sealed up tight, including caulking around doors and windows. Check for gaps and fix any with weather stripping and caulking.
  • Spray the outdoor perimeter with a good, over-the-counter pesticide. Spray along the foundation, around windows and around porches and stairs.
  • If you are already noticing ants in the kitchen and/or bathroom, place ant baits in areas where you are noticing their trail.
  • Be sure to clean up all crumbs and spills as soon as they occur and keep food items in tightly sealed containers.

Give Your Air Conditioner a Checkup

The best time to make sure your air conditioner is doing its job is before you need it. Turn on the air conditioner and make sure it’s in good working order In many situations, it something minor, such as a dirty filter, so before contacting an HVAC company, replace the filter and clean all debris on or around the exhausts and vents. Be sure to clean all dirt and debris from the outside unit as well. After taking these steps, if it isn’t working like it should contact an HVAC company to inspect the unit.

Now that you have taken the steps necessary to prevent pest invasions and ensured that your air conditioner is functioning as it should, it’s time to check for leaks in your home. Because it doesn’t matter how well the air conditioner is working if the air is slowly leaking out. Before calling a professional, do your own simple home energy audit first. Check for drafts around doors and windows, ensure all windows are opening and closing properly and check to make sure the attic insulation is still in good condition.

Residents of Bethlehem, PA who interested in learning information about homeowner insurance or considering upgrading their current policy, contact Saucon Insurance Agency.

Is Auto Insurance Required in Pennsylvania?

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If you own a vehicle in Pennsylvania, you’re required to have auto insurance coverage. Liability coverage protects other drivers and is mandatory by law. However, it’s not the only coverage available to you. You can also obtain coverage to protect your vehicle against theft and damage. If you need help choosing an auto policy, talk to an agent from Saucon Insurance Agency. We’ll explain your options and recommend the coverage best suited to your lifestyle. Here are some facts you should know about auto insurance in Pennsylvania.

Liability Coverage is Mandatory

Pennsylvania requires that you carry minimum liability coverage to pay for injuries and damages to others in accidents you cause. If you cause an accident where damages exceed this minimum coverage, you may have to pay the rest out of pocket. For your protection, it’s best to purchase more than the minimum liability requirement.

Auto Policies Offer Optional Coverage

In addition to liability coverage, auto policies in Bethlehem, PA offer optional protection in the form of collision, comprehensive and uninsured motorist coverage. You can pick and choose from this coverage to obtain the protection you want and need.

  • Collision insurance protects your car against crashes.
  • Comprehensive insurance covers theft and damage to your vehicle by non-collision causes, i.e. falling objects, vandalism, or inclement weather.
  • Uninsured motorist insurance protects you against uninsured and hit and run drivers. 

The more expensive your vehicle, the more protection you’ll need to cover its value. If you fall short in your insurance protection, you could wind up paying for damages out of pocket.

Auto Insurance Can Vary According to Need

You can customize your auto coverage in Bethlehem, PA to obtain the essential protection you need. This can save you money on your premium. For more information about auto policies and costs, call or visit Saucon Insurance Agency today.

Car insurance tips for teenage drivers in Bethlehem, PA

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Your teenager’s sixteenth birthday can be a much-feared or much-anticipated day, depending on whether you are the parent of the teenager. It is a time when teenagers look forward to hitting the Bethlehem, PA roads. While a driver’s license could be their rite of passage, your teenager will still need something else, which is more essential and critical for their safety–An auto insurance policy.

If you’re worried about your teenager’s safety on the roads, you can always speak to us at Saucon Insurance Agency, and we will help you teach your teenager about safe driving and which coverages to purchase to protect them.

When it comes to buying insurance for your teenage driver, you have two options. You can either add your teenager to your auto policy or get them a separate policy. While adding them to your own policy only increases your rates a little more than double what you are paying, it is much cheaper than buying a brand-new auto policy.

Enquire about multi-policy discounts

Most auto insurance companies in Bethlehem PA offer discounts if you buy multiple policies from them. For instance, if you have a home, boat, life, and car insurance from the same provider, the company can offer various discounts based on your limits. As you shop around for the best deals, enquire about discounts for multi-policy.

Get an old safe car for your teenager

older cars come with many benefits. They are not only less expensive, but also tend to carry affordable insurance. Safe cars lower your insurance premiums as they are less likely to cause accidents.

Above all, educate your teen.

Having some of these conversations about insurance is critical in helping teenagers stay safe and become more responsible. Let them know that the more accidents they get into, the higher their insurance rates. Violating auto insurance and roadside rules can lead to license suspension and penalties.

Keep your teenager safe on the roads. Contact Saucon Insurance Agency if you have any questions, and our team will be happy to get back to you.

Does Home Insurance Cover Dog Bites?

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If you are a pet owner, you may love to share your friendly pet with neighbors and friends at a neighborhood barbecue or afternoon walk. However, if your dog becomes spooked and bites someone, you could be on the hook for a lot of money. Fortunately, many home insurance policies cover dog bites, even some that don’t occur on your property. Your agent at Saucon Insurance Agency in Bethlehem, PA can help you determine whether you are currently covered for dog bites.

Dog Bite Insurance Coverage

Dog bites fall under your liability coverage unless the breed of your pet is on an exclusion list. For example, pit bulls account for about 63% of complex bite wounds and appear on the excluded breeds list of many insurers. Rottweilers and Dobermans also appear on most exclusion lists because they are perceived as dangerous.

Your insurance agent can explain how your dog bite coverage works. You may be covered up to your policy limit or a percentage of your limit, depending on how the insurer writes the policy. Your coverage may also include legal costs and settlement amounts related to a case that goes to court.

Read the Fine Print

Some insurance companies may only payout on one claim per animal. If your dog has already bitten someone, the insurance company may consider it to be dangerous and uninsurable. This means that you would be on the hook for expenses if your dog bites anyone else. 

Where Are You Covered?

If your dog bites someone at the park or during a walk around the neighborhood, your home insurance policy may have you covered. Ask your insurance agent to double-check if you aren’t clear on the language in the policy. 

Contact Saucon Insurance Agency about your home insurance needs in Bethlehem, PA. We’d be happy to make sure you and your pet are covered in the case of dog bites and other perils. 

Should All Residents in Bethlehem Have Personal Umbrella Insurance?

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By definition, umbrella insurance was named to connote the catch-all feeling that it was always meant to provide. If you live in Bethlehem, PA, it can sound like a cozy policy that you’ll need on a particularly rainy day. But does everyone need it? Saucon Insurance Agency is here to help you learn more. 

The Gist of Umbrella Insurance 

The short answer to this question is that not every Bethlehem citizen will need umbrella insurance. However, it is a nice type of policy for everyone to have. This insurance policy applies to liability claims, which can affect anyone — even if you don’t own your own home or business.

For example, if someone injures themselves in your apartment or rented duplex and sues you for their current and future injuries, a standard insurance policy may only cover a portion of the expenses. The same is true for auto insurance, home insurance, and boat insurance. Umbrella insurance will pick up the additional costs, in case you’re involved in a particularly lengthy liability case. 

Who Umbrella Insurance Is Recommended For 

This type of policy is usually taken out by people who are more likely to get sued, such as a prominent business owner or other public figures. But it can be an excellent option for small business owners too. For example, if you owned a home that also doubles as a business where you see clients, you’ll want additional protection in case something happens to them. 

If you have questions about whether umbrella insurance is right for you in Bethlehem, PA, call Saucon Insurance Agency today. What this policy is designed to do is give you that much coverage in difficult situations, giving you a sense of control during a trying time. 

The Process to Get Motorcycle Insurance for Your New Ride

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Deciding to make the move in your life to buy a motorcycle is about as exciting as it gets. A motorcycle is such a great investment and opens you up to just getting out there and enjoying the wide spaces in front of you. With a motorcycle, though, you want to be sure you have adequate protection for you, the bike, as well as other folks and vehicles around you on the open road. This is why it is important to go through the process of purchasing motorcycle insurance.

Motorcycle insurance is a requirement in the state of Pennsylvania. Without insurance, the motorcycle cannot be registered and out on the open road in a legal manner. When you get a motorcycle, you want to begin to scan the market to see what is out there for options.

The internet is a powerful thing as you can start to learn more about what motorcycle insurance typically covers, what options you have, and more. As you go through the process of buying motorcycle insurance, find a provider that you feel comfortable with, that can give you payment options that work for you at prices you find value within.

Working with an insurance agency is a powerful thing when seeking out motorcycle insurance in Bethlehem PA. You want to work with an agency that can help you understand the lay of the land, the full market in front of you. Buying motorcycle insurance blind, without professional assistance, can leave you exposed where you do not want the liability. Work with the Saucon Insurance Agency today to ensure your motorcycle insurance meets and exceeds your needs and value proposition,

Hitting The Water This Summer? Here’s How To Make Sure Your WaveRunner Is Protected

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You love getting out on the water once the weather warms up, but are you fully protected? If you love using a WaveRunner, Jet Ski, or other water sports device, it’s essential that you have the toy insurance you need to keep yourself safe. Our insurance agents at Saucon Insurance Agency, serving Bethlehem, PA, are here to help you have fun this summer while you stay protected with the coverage you need. We want to see you have fun this summer while resting assured that you’re protected in case something goes wrong.

Just like insurance for a boat or any other watercraft, you’ll need insurance to make sure that your water sports device is protected. Insurance on your personal watercraft will protect you in the incident that you or someone else get hurt while operating the machine. In Pennsylvania, personal watercraft insurance is not a requirement, but it’s a good idea to make sure you’re protected. If you don’t get insurance for your personal watercraft, you could face hefty payments if you get hurt, if someone else gets hurt, or if you cause damage to someone’s personal property. 

Call Saucon Insurance Agency, Serving Bethlehem, PA

At Saucon Insurance Agency, our agents understand how important it is for you to be able to enjoy watersports with the peace of mind that you’re protected by a solid insurance policy. We’ll work with you to help you find the perfect insurance policy for your watersports insurance needs. Reach out to us or stop into the office today to learn more about how we can make sure you’re protected and ready to play hard this summer. 

When Do I need Flood Insurance in Pennsylvania?

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If you live in the Bethlehem, PA area, owning a home could be a great option. Those that are in this area of the state will enjoy the strong local economy and amenities that can continue to add to housing demand. If you do own a property in this city, it is important to consider all of your insurance needs. There are several reasons why you may need to get flood insurance on your property if you are in this area.

When Required by Lender

One situation when you may need to get a flood insurance policy is if it is required by a lender. All lenders are going to continue to check the FEMA map to see if your home is located in a flood zone. If you are in a high-risk zone, the lender will require that you carry insurance to protect against the flood risk. They will then likely require that you escrow for your flood insurance policy payments on a monthly basis. 

When Not Already Covered

Even if your home is not in a high-risk zone, you should still consider getting flood coverage. A flood insurance policy may be a good idea even if you are in a low-risk zone but do not have flood coverage included in your base home insurance policy. This will offset the unlikely risk that your home is damaged by a flood. 

When you are looking for a flood insurance policy for your Bethlehem, PA area home, you should call the Saucon Insurance Agency. The team at the Saucon Insurance Agency is experienced at helping people to identify risks that come with their particular situations. Based on this assessment, they can then help anyone to get into a policy that provides the right coverage, which could include a full flood insurance policy.