When you encounter a lawsuit or other issue that exceeds the liability coverage of your other insurance policies, it may be time to file a claim under your umbrella policy. Here, we’ll examine umbrella policies and how to decide whether to file a claim. 

What is Umbrella Insurance?

Typically, your homeowner and auto insurance cover most of your needs. In certain situations, however, you may encounter circumstances that exceed your liability coverage. If you own a business, have a large estate, or have other special concerns, you may need an umbrella policy to keep you covered in the event that your responsibilities exceed your current insurance coverage. 

When Should You Make an Umbrella Insurance Claim?

Situations in which policyholders often use umbrella insurance claims include: 

• Serious accidents: If you’re at fault in a serious auto or boating accident, the amount you need to pay may exceed your coverage. This is the right time to file a claim under your umbrella insurance.
• Serious injury: If you accidentally injure a family member, friend, or customer, the compensation you owe the injured party may exceed your coverage, necessitating an umbrella insurance policy claim. 
• Accidents caused by children: If your child accidentally hurts someone, is sued, or damages another person’s property, you may need to file a claim under your umbrella insurance policy to cover the damages.

Saucon Insurance Agency: Serving Bethlehem, PA

It can be tough to determine what types of insurance policies are the right fit for your needs, but we’re here to help. At Saucon Insurance Agency, we’re proud to serve the Bethlehem, PA, area. We’re excited to get to know you and meet all of your insurance needs. Stop by or give us a call today to learn more. 

When you purchase your home, you understand the need for a home insurance policy. However, many aren’t aware of the importance of having a flood insurance policy in addition. As a homeowner, it’s crucial to have both these policies in place to protect your home against varying risks. Should you require a flood policy, call us at Saucon Insurance Agency in Bethlehem, PA.

Why Do You Need Both?

You might question the necessity for flood insurance if you already own a home insurance policy. Standard home insurance does not cover flood damage, it won’t compensate for damage caused by flooding, leaving your property vulnerable. Having a flood insurance policy ensures coverage in case flooding disrupts your home.

Flood Zones and Insurance Policies

If you live in an area classified as a flood zone, flood insurance is often mandatory. However, it’s noteworthy that not all flooding happens inside a flood zone. Roughly 20% of flood claims to insurance companies come from properties outside of marked flood zones. This underlines the policy’s importance for all homeowners, regardless of location. Policies backed by the National Flood Insurance Program offer secure coverage, even for the most severe floods.

Get Your Flood Insurance Policy

You’re exposed to potential severe flood damage if you don’t possess a flood insurance policy yet. Protect yourself from the havoc wrought by floods and the associated repair costs by contacting us at Saucon Insurance Agency in Bethlehem, PA, to get your policy in place.

An Overview of Toy Insurance for Recreational Vehicles

Insuring recreational vehicles? Based in Bethlehem, PA, region, Saucon Insurance Agency guides you through the qualifying factors to obtain specialized toy insurance protection for your recreational vehicles.

Vehicle Type and Its Usage

The type and usage of your recreational vehicles greatly influence their eligibility for toy insurance. Recreational vehicles such as ATVs, 4x4s, snowmobiles, and jet skis, primarily used for leisure, often qualify for this specialized protection.

Consider Their Age and Value

The age and worth of your recreational vehicles are determining factors for toy insurance coverage. Newer, more valuable models are ideal candidates for such coverage, effectively safeguarding your investment against potential damage, theft, and liability.

Legal Requirements and Regulations

Familiarize yourself with local regulations relating to recreational vehicle insurance before embarking on toy insurance coverage. Legal requirements vary by region and vehicle type. Consulting an experienced insurance agent can help you adhere to these guidelines efficiently.

Contact Us for Tailored Protection

Unsure if your recreational vehicles qualify for toy insurance coverage? Don’t hesitate to contact Saucon Insurance Agency. Our knowledgeable agents can help you explore your options and find the right solution. Protect your recreational vehicles in the greater Bethlehem, PA, area and set your adventuring heart at ease. Contact us today to get started.

While planning your next escapade with your recreational vehicle (RV) is fascinating, having the correct insurance coverage is equally crucial. At Saucon Insurance Agency, servicing the broader Bethlehem, PA region, we aim to assist you in navigating the world of RV insurance confidently.

Understanding Your RV and Coverage

RVs are of different types, shapes, and sizes, each with unique classifications. From Class A heavy-duty luxurious motorhomes and compact Class B camper vans to mid-sized Class C motorhomes, each has specific requirements for comprehensive, collision, liability, and personal effects coverage. Additionally, the insurance laws vary by state. So, it’s essential to grasp these fundamental terms to make informed decisions about your RV insurance.

• Class A: Large, luxurious motorhomes built on a heavy-duty chassis.
• Class B: Camper vans that are more compact and maneuverable.
• Class C: Mid-sized motorhomes with a distinctive cab-over bunk.

Contact Saucon Insurance Agency

Be prepared to hit the road without worry. Contact Saucon Insurance Agency today for professional advice on RV insurance in and around Bethlehem, PA. Our team can work with you to build a perfect policy for your adventures. Get a quote today!

Enjoying time out on the serene waters in your boat during warmer months is a pleasurable experience. However, even during winter, certain considerations remain pivotal for easier boat maintenance. A significant aspect among these is revising your boat insurance. For those residing in the Bethlehem, PA area, the Saucon Insurance Agency is at your service to offer any requisite insurance updates.

Why Call Saucon Insurance Agency?

With our trusted agents, you can make the necessary changes to your boat policy tailoring it to your specific needs. If you’ve upgraded to a larger boat, a policy revision becomes crucial to ensure coverage for the correct vessel. Our policy updates will cater to any potential future claims. Moreover, our policies will clarify who all are covered, so there’s no ambiguity about who can operate the boat.

Working with Trusted Agents

Updating your boat coverage becomes effortless when you engage with reliable agents. At the Saucon Insurance Agency, we offer you quotes from a diverse range of providers. By comparing these and asking any queries, you can select the best fit for you. We ensure that you are prepared for the spring season to enjoy the warm weather fully.

Contact Us For Your Boat Insurance Update

If you reside in the Bethlehem, PA area and need a boat insurance upgrade, reach out to us at the Saucon Insurance Agency today. Our agents will guide you through all available options. Enter the spring season with the reassurance of proper boat insurance, letting you focus on the fun!

Is starting a business one of your new year ideas? Having a business can be exciting and daunting at the same time. And how about various risky scenarios you may have every day? For this reason, make sure to protect your business and yourself. The best way to do it is to get a business insurance policy. If you are thinking of buying a commercial insurance policy in 2024, there are answers to certain questions you should know: 

Why is it necessary to have insurance for your small business? 

The main reason for getting commercial insurance is the protection that your insurance will provide. As mentioned above, business is always associated with risks. Commercial insurance will offer financial security and help you recover if something goes wrong. With proper policy, you will have peace of mind and be able to focus on your business tasks. 

What determines the cost of business insurance? 

A range of factors determine the cost of your commercial insurance. Here is a list of some of them:

• Industry type and risks associated with it
• Number of employees
• The value of your business

What if my business changes? 

Well, it is totally normal. Businesses are supposed to change. The good news is that commercial insurance can adapt to your business changes. All you need to do is review your policy at least once a year to ensure it covers everything. 

It does not matter whether you are opening a new business or have been running an existing company – commercial insurance is a must-have. If you live in Bethlehem, PA, or any other nearby area in Pennsylvania, Saucon Insurance Agency is ready to assist you with your insurance needs. Reach out to Saucon Insurance Agency to learn more about business insurance and other options available. 

Benefits are crucial to attracting and keeping desirable employees in Bethlehem, PA. The best options differ depending on the type of business you run, but many companies can boost staff satisfaction and productivity by offering these benefits:

Discounts, Services

Your business might have products or services it can provide employees for free or at a discount. A hotel could supply discounted meals or free use of the swimming pool. However, offering this benefit is harder if your company primarily serves other businesses.

Health Coverage

Many employees appreciate the coverage of medical appointments, prescriptions, and operations. Some businesses are required by law to offer health insurance if they have 50 or more staff members. Adequate medical care may reduce staff turnover and help employees work more productively.

Dental Insurance

Group dental insurance generally covers things like preventive care and treatment provided by a dentist. Dental health is crucial to a person’s overall well-being. This affordable option can benefit a wide range of workers, including those who have reached retirement age.

Vision Coverage

Clear eyesight is vital to performing numerous jobs, especially those that involve reading, driving vehicles, or working with small objects. Group vision insurance typically covers eye exams and eyewear. In addition to helping retain employees, it can promote job safety.

Life Insurance

When a staff member receives life insurance as part of a benefit package, they don’t have to worry about how their family members will afford burial or funeral services if they should pass away. This coverage ensures greater peace of mind.

Saucon Insurance Agency can help your Bethlehem, PA, business design an appealing benefit program with your company’s specific needs in mind. Among other options, we offer group life and health coverage. To contact Saucon Insurance Agency for further details, please call 610-868-1800 today.

Having your vehicles insured is essential, and that includes motorcycles. But what about in the winter months, when there’s snow and ice on the roads in and around the Bethlehem, PA area? You may be tempted to drop the insurance on your bike if you’re not riding your bike. If you’re unsure whether that’s a good idea or have other questions about motorcycle insurance, Saucon Insurance Agency can help you figure out the best course of action to protect your bike all year.

Even if you’re not riding, it’s important to remember that insurance provides you with other significant benefits when protecting your motorcycle. For example, you may have coverage that will replace it if it is stolen. If you don’t have insurance on the bike during the winter, you won’t be covered for theft. Some people also have collision insurance on their motorcycles, and you don’t want to be without that if you get a warm day to ride during the wintertime.

For people who garage their bikes all winter, it’s worth asking your agent whether there are reduced coverage options you can switch to. However, most people find that the value they get from motorcycle coverage is well worth it for the peace of mind they experience. Keeping your bike covered by an insurance policy throughout the year is an excellent way to reduce any risk of damage or theft and help you feel more secure overall.

If you’re in the Bethlehem, PA area, have questions about motorcycle insurance, or want to get or update a policy, Saucon Insurance Agency is here to help. Contact us today, and let us help you find the type of policy and coverage level right for you and your bike.

Managing personal liability risks is vital for anyone who lives in the Bethlehem, PA, area. As you are looking to manage your personal liability risks properly, getting insurance is always a good idea. One type of coverage to consider obtaining is umbrella insurance. This is blanket liability insurance that offers excellent support in various situations. There are various scenarios when someone will want to carry this insurance. 

When Not Protected by Certain Risks

Home and auto insurance do provide many people with meaningful liability coverage. However, these policies will not provide all the coverage needed to offset all personal liability risks and concerns. In these situations, you could face liability risks you are not protected against. However, if you have an umbrella insurance plan, you will have helpful coverage that provides blanket support to ensure you remain appropriately covered and protected. 

When Limited in Coverage

If you have other liability insurance through different insurance plans, it is still a good idea to consider liability insurance. The other policies tend to have limited amounts of coverage that can be exhausted if a liability claim is significant enough. Under umbrella insurance, you will get additional coverage for your existing policies. This will ensure you are supported if you are found responsible for a bad claim. 

A proper umbrella insurance plan should be necessary if you are in the Bethlehem, PA area. If you are looking for this coverage here, you can start the process by calling our team at Saucon Insurance Agency. There are many options to consider when looking for coverage, and our team at the Saucon Insurance Agency can answer any questions you have. 

Wedding insurance is a valuable safety net that can protect your big day from unforeseen events. Most people don’t know that wedding insurance is even a thing, but here at Saucon Insurance Agency, we provide residents in the greater Bethlehem, PA area with insurance; we want to work to change that. Here are some of the questions you may have about wedding insurance. 

What Does Wedding Insurance Cover?

Wedding insurance typically covers various aspects of your wedding, including cancellation or postponement due to unforeseen circumstances, venue mishaps, vendor no-shows, weather-related issues, illness or injury, and lost or damaged wedding attire and gifts. It can also provide liability coverage for accidents that occur during the event.

Is Wedding Insurance Worth the Cost?

The cost of wedding insurance is relatively small compared to the overall expense of a wedding. It offers financial protection and peace of mind in case of unexpected disruptions. Considering the substantial investment in your wedding, the cost of insurance is a prudent investment.

When Should I Purchase Wedding Insurance?

It’s best to purchase wedding insurance as soon as you start making deposits or payments for your wedding, such as booking the venue or hiring vendors. The earlier you buy it, the more coverage you’ll have in case of unforeseen events.

Wedding insurance can provide essential protection and peace of mind for your special day. It covers a range of potential issues and ensures that your investment is safeguarded against unforeseen circumstances. If you’re looking to purchase wedding insurance in the greater Bethlehem, PA area, the team at Saucon Insurance Agency can help you select the policy that best protects you. Give us a call, or feel free to email us to learn more.