Why should people get RV & Camper insurance?

The Bethlehem, PA area offers a lot of amenities to local residents. Access to a variety of public parks and outdoor activities is one of the benefits of living here. If you are going to live here, you may want to invest in your own RV or camper, which will be very advantageous if you enjoy being outdoors and camping. If you do purchase an RV, you also need to get the right insurance for it. There are many reasons to get RV and camper insurance. 

Insurance Will Protect Investment

If you decide to purchase an RV or camper, you will be making an investment in an asset that you will want to enjoy for years to come. If there is ever an accident or other situation that results in a loss, you could lose your investment entirely. The best way to protect against this risk is by getting a full insurance policy. 

Insurance is a Requirement by Law

If you intend to drive your RV on a public road, you will be required by law to get insurance for it. The state of Pennsylvania requires that all drivers of any vehicle maintain liability coverage. If this protection lapses and you are caught, you could be penalized in several different ways. 

Owning an RV or camper in the Bethlehem, PA area can be a great way to enjoy all of the local attractions. To ensure that you are able to enjoy this asset for as long as possible, you should call the team at Saucon Insurance Agency. The Saucon Insurance Agency understands how important this insurance coverage is. They will provide you with a full assessment that you could then follow to choose a policy that gives the best coverage for your situation. 

Is Commercial Insurance Required in PA?

Owning a business is not for the faint of heart and protecting your valuable assets is imperative. Consequently, having enough commercial insurance to cover your business, employees, and other assets is one of the best ways to protect your livelihood. Similar to auto or homeowners insurance, commercial insurance is designed to provide monetary support in the event of a covered incident such as damage from a storm to your workplace or an injury sustained by an employee while on the clock. In Pennsylvania, state law requires that businesses carry two types of insurance – workers’ compensation and commercial auto insurance. What do these two insurances cover you ask? In simple terms, workers’ compensation helps pay for covered injuries or illnesses sustained by your employees while working while commercial auto insurance covers any business-owned vehicles. Some businesses may require their employees to use personal vehicles for work functions, but it is important to remember that most commercial auto insurances won’t cover any incident that occurs on business time. Consequently, investing in hired and non-owned auto insurance is a great way to build trust from your employees and protect all parties from being liable for 100% of damages in an accident. 

Keep in mind that in Pennsylvania, even just one part-time, seasonal or full-time employee requires the business to carry workers’ compensation insurance. Failure to have insurance for your business can have costly repercussions including fines from the state and is on the hook for thousands and thousands of dollars in damages if your business is found to be liable in an incident. 

When it comes to finding a commercial insurance policy, give the team at Saucon Insurance Agency in Bethlehem, PA a call to schedule a no-obligation consultation. 

What is employee benefits insurance

One of the most difficult parts of being a business owner is retaining employees. Finding the best people is a challenge but the real challenge is how to keep them and that is where employee benefits come in. It can often make the difference between saving and losing your best people. At Saucon Insurance Agency in Bethlehem, PA, we understand the needs of our clients and we work with them to provide the benefit packages that will work best for their particular business. 

Employee benefits are things that are offered to employees in addition to their compensation. In most cases, the majority of benefits are offered to employees who work between 30-40 hours. A variety of insurance products can be offered but it is important to keep in mind that if you have employees across several states the broker must be licensed in the states you do business in. 

Health insurance is one of the most attractive employee benefits. You should offer several different policies, from one carrier or multiple carriers to fit the needs of your employees. Vision and dental coverage also are part of any good employee benefits packages. You may also be able to add an HSA (healthcare savings account) to the options you offer to your employees.

Life insurance is a benefit that is very appealing to employees. Long and short-term disability insurance protects employees in the event they are seriously injured or sick and need to be out of work and it is not the result of a work injury. 

In Bethlehem, PA  Saucon Insurance Agency has been providing exemplary customer service for more than 100 years. We have the expertise you are looking for when it comes to employee benefits insurance. We look forward to sitting down with you and discussing those needs and giving you a no-obligation quote. 

A Thorough Overview Of What Umbrella Insurance Entails

For over 100 years, Saucon Insurance Agency has assisted the Bethlehem, PA community by offering residents insurance coverage. We work closely with our clients to help them find the insurance coverage that aligns with their individual needs. As an independent agency, we have established partnerships with several insurance companies throughout the state.

Umbrella Insurance

Umbrella insurance provides you with an extra layer of protection to help cover your assets. The policy is very beneficial during times when you want to avoid over-extending the coverage that you currently have. The policy also covers you during serious situations in which you may be held liable. If you have a pet whose behavior is hard to predict, you will be covered if your pet accidentally injures someone. You will also be covered if you are involved in an auto accident in which you cause serious damage to someone’s property. Umbrella insurance adds a safety net in the event that you are involved in a liability dispute.

Having an umbrella insurance policy is important if you have a significant amount of valuable assets. Potential liability disputes may put those assets at risk. However, your policy will help you secure those assets. You should also consider the benefits of umbrella insurance if you are involved in a profession that has very high liability risks. The policy will help alleviate some of the stress that comes with working in such a risky profession.

If you are a business owner in the Bethlehem, PA area, umbrella insurance will help you protect the future of your business. There are serious liability risks that come with operating a business, especially in regards to your employees. Umbrella insurance helps ensure that regardless of what happens in the future, your assets are protected.

Saucon Insurance Agency Will Help You Protect What Matters Most

For more information on the benefits of umbrella insurance, visit our website.

Why should I get motorcycle insurance?

Those that live in the Bethlehem, PA area are going to need to have a vehicle to get around town. When you are looking for a new vehicle here, there are a lot of different options to consider. One great option would be to get a motorcycle as these vehicles can be fun to drive and are quite efficient. If you are looking for a motorcycle here, you also need to consider your insurance needs. There are several reasons why you should get motorcycle insurance.

Insurance is a State Requirement

One of the main reasons to get a motorcycle insurance policy is that it is a state requirement. Anyone that wants to operate a vehicle in the state of Pennsylvania will be required by law to carry a liability motorcycle insurance policy at all times. If you do not have this, you will not be in compliance with state law and could face stiff penalization.

Required to Protect Motorcycle

Another important reason to get a motorcycle insurance policy is that you will need it to protect your vehicle. A motorcycle is an investment that you should always carefully protect. One of the best ways that you can do this is with a collision and comprehensive policy. If you do get this full insurance protection, it will give you coverage in the event your motorcycle is stolen or damaged.

If you are going to get a motorcycle in the Bethlehem, PA area, you should contact Saucon Insurance Agency. When you do call the Saucon Insurance Agency you are going to receive great guidance and support. The team here will be able to answer any questions that you have while also ensuring that you pick the right policy for your situation to ensure you continue to have proper coverage. 

Do I really need toy insurance for my golf cart?

Many people use golf carts as a fun and convenient way to navigate small distances. They are easy to drive and have just enough speed to quickly get you from point A to B. However, all that fun and convenience may make it hard to recognize that a golf cart is a moving vehicle which carries with it a certain amount of risk. This is one of the many reasons why toy insurance is a smart and safe investment.

Risks…
As with any moving vehicle, accidents can happen. Although golf carts don’t have a lot of speed and they aren’t cars, there’s still an element of risk when it comes to injury to others or yourself, and damage to property in the event of an accident. Toy insurance creates peace of mind in that it provides a certain amount of protection from liability by covering some or all of the cost for damage to other people’s property or injury to others. Like car insurance, it provides protection for the golf cart, you, property, and others. The protection also includes medical bills. 

Not Required Everywhere…but Helpful…
Golf cart insurance isn’t required in every state. However, the protection provided by toy insurance is invaluable and can prevent you from having to pay for damage to other people’s property, in the event of an accident, or injury to others, with your own money. Accidents can be quite costly. Many of us simply wouldn’t have the money to cover the cost of an accident or damage to someone else’s property. Basically, if you’re going to move it or drive it you can benefit from coverage that can and will protect you in an unforeseen accident. The Saucon Insurance Agency of Bethlehem, PA is dedicated to helping people understand the benefits of toy insurance. If you own and operate a golf cart, toy insurance can provide practical benefits as well as peace of mind. Give us a call. We’re here to answer your questions. 

Common Misconceptions About Flood Insurance Pennsylvania Residents Should Avoid

Saucon Insurance Agency assists the Bethlehem, PA community through providing residents access to multiple types of insurance policies. As an independent agency, we have established successful partnerships with multiple insurance companies. We are committed to helping our clients find the coverage that they need to protect their assets.

Common Misconceptions About Flood Insurance

Potential flooding is a threat that many homeowners have to deal with in today’s ever-changing weather conditions. Flood insurance gives you a security net so that you are covered in the event of an emergency. While you are researching different policies, be aware of some common misconceptions regarding flood insurance.

Flood Insurance Should Not Be A Priority

Even if you reside in an area of Pennsylvania that has a low risk of flooding, you should still consider the benefits of flood insurance. A severe storm or natural disaster can happen at any time. Flooding can cause serious damage that you do not have to worry about because you will be protected through your flood insurance policy.

What If I Don’t Own A Home

Even if you don’t own a home, you may still be at risk. Flooding can cause damage to apartments and condos as well. Without flood insurance, you risk being unprotected in the event that your property and valuable possessions are damaged.

All Water Damage Is Similar

Be sure to check the language in your policy carefully. If your property is damaged due to a leak in your water heater of a broken pipe, that may not be covered under flood insurance. Consider elevating some equipment and plumbing above floor level.

Saucon Insurance Agency Can Help You

For over 100 years, we have proudly served the Bethlehem, PA community. To learn more information about how we can assist you, please visit our website.  

Explaining Camper & Boat Insurance

Saucon Insurance Agency assists the Bethlehem, PA community through helping residents find the coverage that they need to protect their assets. We use our standing as an independent agency to our advantage by ensuring that our clients find policies that align with their individual needs.

Camper & Boat Insurance

If you enjoy taking your camper across the country to enjoy new experiences, it’s important that you have protection. Camper insurance allows you to protect one of your major investments. The policy protects the camper in the event that it is damaged or vandalized. The policy also covers the inside of your campers and all of your possessions. Comprehensive coverage ensures that you have protection in the event that your camper is damaged in a fire or some other type of natural disaster. You can amend your policy to cover any water damage to your camper as a result of flooding or drainage issues.

It’s important that you have liability coverage as well so that you will be protected in case there is an accident and someone gets injured. The policy also covers your boat in the event that it is damaged or stolen. If your boat is vandalized while you are camping somewhere, you will be protected. When you bring your boat on the water, pay attention to the navigational limits, so that you will avoid areas where you don’t have coverage.  You can amend the policy to ensure that all of your belongings and accessories on the boat are covered in the event that they are stolen.

Consult With Saucon Insurance Agency

Stop by our office in Bethlehem, PA today. We will assess your situation and help you find the coverage that you need.

Three mistakes to avoid when you purchase RV insurance

You need to protect the value of your RV and meet your state liability insurance requirements with the right RV insurance policy in Bethlehem, PA. RV insurance is one of the types of insurance we provide at Saucon Insurance Agency.

The following are three mistakes you want to avoid to get the best possible RV insurance coverage for your needs.

Not getting a policy with an agreed upon RV value

You can expect the best results from a total loss in an RV accident if you invest in an agreed upon RV value. Otherwise, depreciation might significantly detract from the amount you get from the insurance company after a total loss.

Failing to specify that you live in your RV

If you live in your RV full time, it’s important to specify a full-time insurance coverage option. This will basically treat your RV like it’s your home and lead to coverage for not only the RV itself but also your possessions within the RV. This is the best option for full-time RVers to protect their assets. 

Buying the cheapest coverage available

There are a lot more factors to consider than just price alone. If you’re just paying the cheapest possible monthly premiums, you might be putting yourself at risk of significant financial damages in the event of an accident.

Make sure you get numerous quotes before purchasing a policy. Also, make sure that you evaluate these quotes carefully and choose the policy that offers the best value. 

Would you like to explore our policy offerings at Saucon Insurance Agency? We’re here to help. Contact us to learn more about our RV insurance policies in Bethlehem, PA. 

A Detailed Look At Employee Benefits Insurance

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!