Running a business is expensive. However, some business owners are hesitant to get insurance for fear of falling through the gaps and incurring unnecessary expenses. With the recent growth of the digital economy, having commercial insurance is more important than ever. Do you need an insurance policy for your business? The answer is a resounding yes – but only if you do it correctly. Let’s look at why you need commercial insurance and what to consider. 

What Services Does Your Business Offer?

Most businesses provide one or multiple types of services or goods. For example, a beauty salon might provide beauty services and hair extensions. A plumber might have services, including installing water softeners and plumbing, and an emergency services company that provides plumbing repair and installation. 

Why Get Commercial Insurance?

With so many service businesses now operating online, it’s essential for those running a service business to have commercial insurance. Many of these businesses are run as "one-offs" with no plans for long-term viability. It’s easy for these businesses to get by with limited commercial insurance coverage, but it would be a considerable investment for those who might not need it. The insurance covers the equipment in your shop and any excesses that may occur. 

Insurance You Should Get for Your Business

As with any other business, you will need to purchase business insurance to cover lawsuits, property damage, and medical bills. However, business insurance has a high deductible compared to other insurance products, which means you only have to pay out-of-pocket if you meet the deductible. 

Wrapping Up

If you operate a business, it’s important to get commercial insurance. A common form of commercial insurance includes property, liability, and business interruption insurance. Whether you own your business or work for a large corporation, you will likely want to purchase commercial insurance to protect your company against the associated risks. For help, consult Saucon Insurance Agency in Bethlehem, PA.

For business in the Bethlehem, PA area, there are a lot of choices to make. You will need to make one important decision when you are looking for a new employee benefits insurance plan. Various advantages come when you get an employee benefits insurance plan for your team and business. 

Provide Amenities to Employees

One of the main reasons to offer employee benefits insurance is so you can provide benefits and amenities to your employees. Having a good team of employees is very important. You can find and retain talent by offering them access to employee benefits, such as health insurance. When you offer a quality plan, it can help you keep your staff happy. If you do not offer this coverage, it could make it harder to retain a quality team, which could disrupt your business in various ways. 

Remain in Compliance

Another reason you should have employee benefits insurance is because it could be a requirement for you to do so. Under the current law, businesses of a specific size need to offer employee benefits insurance. If they do not comply with the minimum requirements, they can face various penalties and damage their reputation. 

The Bethlehem, PA area can be a great place to run any type of business. As you are looking to grow your business, selecting the right employee benefits insurance plan is important. The professionals with the Saucon Insurance Agency can help with this process. There are many choices to make when looking for a new plan, and the Saucon Insurance Agency can give the guidance that you need to select a plan ideal for your organization. 

Motorcycle insurance is a must for anyone who owns a motorcycle. But how much insurance do you need, and what kind of coverage should you have? Here we’ll explore the basics of motorcycle insurance and help you figure out how much protection is proper for you.

1. How Much Motorcycle Insurance Do You Need in Your State?

Saucon Insurance Agency explains that motorcycle insurance is compulsory in Pennsylvania. The state requires all motorcyclists to have a policy with minimum limits of $15,000 for bodily injury per person, $30,000 for total bodily injury per accident, and $5,000 for property damage per accident. However, Saucon Insurance Agency recommends that riders purchase a policy with higher limits to protect themselves in an accident fully.

2. What Types of Motorcycle Insurance Coverage Are Available?

There are four main types of motorcycle insurance coverage: liability, collision, comprehensive, and uninsured/underinsured motorist.

• Liability Coverage: This is the most basic type of coverage, and it covers bodily injury and property damage caused by the policyholder while operating their motorcycle.
• Collision Coverage: This type of coverage pays for damage to the policyholder’s motorcycle caused by an accident with another vehicle or object.
• Comprehensive Coverage: This type of coverage pays for damage to the policyholder’s motorcycle caused by events other than a collision, such as theft, fire, or vandalism.
• Uninsured/Underinsured Motorist Coverage: This type of coverage protects the policyholder if they are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

3. How Can I Get the Best Deal on Motorcycle Insurance?

You can do a few things to get the best deal on motorcycle insurance, including shopping around, comparing quotes, and bundling your policy with other types of insurance. You can also get discounts by taking a motorcycle safety course or insuring more than one motorcycle.

Now that you know the basics of motorcycle insurance, it’s time to start shopping around for a policy that meets your needs. At Saucon Insurance Agency, located in Bethlehem, PA, we can help you find the right coverage at the right price. Give us a call today to get started.

If you have assets to protect, such as a home and a vehicle, you may already have home and auto insurance. These are important ways to protect yourself legally and financially in case of injuries in your home or because of an accident with your vehicle. However, the amount of specific coverage through these policies may be too low to handle a significant accident. In those cases, getting personal umbrella insurance is an intelligent way to protect yourself. 

Liability Coverage and Overages

When you have liability coverage for your home and vehicle, these policies have several different types of coverage. One of these is liability coverage. Having good liability insurance is vital to having good financial protection against the risk of accidents. When your home or auto policy doesn’t have much liability coverage, you may need to supplement it. You can do that with an umbrella policy. A personal umbrella policy adds more liability coverage to both policies so that you are far better covered against accidents. If you don’t have a supplement and keep very little liability coverage, you could owe money after your policy has paid up to its maximum. This overage can cost you tens of thousands or even more for a serious accident. 

Get It Paid With Umbrella Insurance

There is umbrella insurance to avoid overages that you would have to pay yourself. This type of policy kicks in after the first policy has paid up to its maximum. This means that you won’t be stuck with considerable overages to pay. Umbrella insurance has a much higher maximum than most home or auto policies, so it’s good protection financially. 

Call Us to Find Out More

If you are interested in umbrella insurance, give us a call today at Saucon Insurance Agency in Bethlehem, PA.

Many people have a car or vehicle that they love. They may have their first car, even though they haven’t driven it regularly in fifteen years. They may also love old cars, so they had to have one. 

When you have a collector’s car, you need to make sure that you take care of it properly. Here are some tips to do so. 

The best thing that you can do is to keep it in a garage. However, you need to make sure that it stays out of the sun, or it can fade the paint (among other things).

It also needs to be moisture-free. You should run a heater or a dehumidifier in the garage to keep the garage as moisture-free as possible. This will help to prevent corrosion. 

You should get it out to rotate the tires regularly. If you let a car sit for too long, it will get flat spots in the tires. So, even if you just pull the car out of the garage and then park it again every few weeks, this will prevent damage to your tires. 

Disconnect the battery. If you aren’t going to be moving the car for more than a month, you are going to want to disconnect the battery. This will keep the battery fully charged.

If you want to make sure that your car stores well, you are going to want to keep it in a garage away from the sun. You also need to make sure that it is moisture-free. 

You also need to make sure that you have enough insurance for your vehicle. Don’t hesitate to contact us today at Saucon Insurance Agency in Bethlehem, PA. 

If you have been planning a wedding, you know how much goes into the proceedings. It can take months to plan it, and then everything still may not go perfectly. There are two main types of wedding coverage that you can get for your event, and both of them are important for your peace of mind as well as for your financial protection. If you have a wedding planned and need insurance for it, give us a call at Saucon Insurance Agency in Bethlehem, PA to find out more and to get started.

Liability Coverage

An important part of the wedding insurance that you get is liability coverage. This type of coverage covers you in case someone has an accident or injury while at your wedding. This is smart coverage to have, as it means you are unlikely to be sued if someone gets injured. There are a number of venues that require you to have this type of coverage before you can book your wedding with them. If you want your rehearsal dinner covered as well, you may be able to add it to the policy as an option. 

Cancellation Insurance

With everything that goes into a wedding and with everything it costs, it can be heartbreaking if the wedding ends up having to be canceled. It covers how much has been spent if the wedding is canceled. There are a lot of reasons why a wedding may have to be canceled, but having a change of heart is usually not covered. There are sometimes opportunities to get it to cover a change of heart, but this generally applies only when the cost of the wedding has been paid by a third party. 

Get Your Wedding Insurance Coverage

To protect your wedding and all that has been spent on it, as well as things that can go wrong during it, there’s wedding insurance. Call us at Saucon Insurance Agency in Bethlehem, PA.

When warmer weather arrives in Bethlehem, PA, you may take your water vessel on the water to go fishing, cool off, or simply spend some quality time on the open water with your family and friends. It is important to take care when out on your boat to avoid the need to file a boat insurance claim with an insurer like Saucon Insurance Agency. Here are a few different causes of boat insurance claims and how you can avoid them.

Collision with an Underwater Object

More often than not, this type of accident occurs when you are unfamiliar with an area, inexperienced at operating the vessel or driving carelessly. Underwater objects can include anything from rocks and trees to sandbars and debris. 

It is imperative that you never operate your watercraft while under the influence, and you should always be aware of your surroundings. If you are traveling into unfamiliar waters, utilize a depth sounder. 

Bodily Injury

It is also common for boat insurance claims to involve physical injuries. These types of injuries tend to occur when an inexperienced individual operates the boat. For instance, watercraft passengers can be thrown around rather violently when the boat moves over rough water at excessive speeds. The same is true if you suddenly change direction or speed. 

To help avoid this type of accident, you should ensure everyone is wearing the proper attire, including water shoes, and drive with caution and responsibly. Don’t forget to always ensure your vessel is equipped with life-saving devices in the event of an emergency.

Theft

Although it doesn’t happen often, it is possible for a boat to be stolen. This is true with smaller watercraft, such as jet skis. Theft can occur if you don’t take the proper measures to secure your boat, or if you allow the wrong person to take your vessel out on the water. 

More likely to occur than a boat theft is theft on a boat. Therefore, when leaving your watercraft at the marina or anywhere similar, make sure to lock up any valuables you may have on the boat. This can include anything from personal items like jewelry to boat-related accessories like scuba gear. 

If your boat is not currently protected, contact the insurance professionals at Saucon Insurance Agency, serving Bethlehem, PA, so we can evaluate your current boat insurance needs.