Comprehensive commercial insurance is the way to go

Business owners in the greater Bethlehem, PA area understand how important stability is to the success of their companies. When your firm is working as designed and everything is humming along smoothly, it’s easy to become comfortable and neglect to prepare for unforeseen mishaps or accidents that can interrupt the flow of business. The team at Saucon Insurance Agency are here to provide the knowledge and expertise that can help you ensure that you have the protection you need for any eventuality. 

Why you should have a comprehensive commercial policy

Commercial insurance is available in just about any configuration that you can imagine! There are a lot of options available to bolster your primary property insurance policy to obtain the protection you need. Comprehensive commercial policies allow you to cover your business from top to bottom and make sure that you are ready for unforeseen events that can have a negative impact on your company. 

There are policies available for your equipment, your vehicles, liability, business interruption, and more.  The bare minimum coverage can make a bad situation even worse in the event that your policy limits are exceeded or you have an aspect of your firm that isn’t covered at all. Working with a knowledgeable agent can help ensure that you have all of your protection needs covered. We recommend that you review your policy on a regular basis to ensure that it’s keeping pace with company growth. 

Want to learn more about comprehensive commercial insurance? Saucon Insurance Agency is here to provide you with the information you need to make the right decision when it comes to choosing your commercial insurance policy. Contact us today and let’s start a conversation about how we can make sure your Bethlehem, PA area business is protected!

Why Businesses Need Employee Benefits Insurance

Employers that offer benefits to their employee take on an added responsibility to make sure each employee is treated fairly and in the same way the other employees are. It is the employer’s responsibility to make sure employees receive the benefits that they deserve. Moreover, the employer must manage any resources held for employee benefits programs in a manner that is in the best financial interests of the employees.

Employee Benefits Insurance

Employee benefits insurance is in the general category of insurance that is called errors and omissions (E&O) insurance. This protection helps reduce liability risk for errors made by the employer or the employer’s authorized agent when handling employee benefits.

Employee benefits insurance helps lower liability risks for employers that offer health insurance, life insurance, disability insurance, retirement benefits, and other plans administered by the employer.

Work with your agent at Saucon Insurance Agency, serving Bethlehem, PA and the nearby communities, to conduct a comprehensive commercial insurance review. In this way, you can get a good recommendation about the level of employee benefits insurance needed to protect your business.

Things to Discuss With Your Agent

It is a good idea to discuss potential problems and concerns with your insurance agent, such as:

  • Retirement Fund Loses Value: Retirement funds that invest in the stock market may lose value if the underlying investments fail to perform well. Talk about what happens in this case.
  • Mistakes: Talk about what would happen if an employee is not added by mistake to the health care program, when the employee first starts to work for the company and then finds out they are not insured when they need to access health care.
  • Criminal Activity and Fraud: Discuss what happens if the retirement funds are stolen or lost due to criminal fraud such as a cyber-hacking attack.
  • Other Concerns: Talk with your agent about any other concerns you may have.

Call 610-868-1800 to speak with your agent at Saucon Insurance Agency in Bethlehem, PA to get a quote for employee benefits insurance coverage.