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.

3 reasons a comprehensive motorcycle policy makes sense

Are you getting ready to buy your first bike? The team at Saucon Insurance Agency is here to answer all of your questions and review all of the motorcycle insurance options that are available. If you are in the greater Bethlehem, PA  and want to find out more, turn to the insurance company that is proud to serve our community. Motorcycles are a great way to get out and enjoy our beautiful area, and it makes sense to protect yourself while you do so! Comprehensive motorcycle insurance is often the appropriate choice to make sure that all of your needs are covered.

1) Protect your bike – your bike can be damaged in a collision or while being transported, stolen, or vandalized. Comprehensive insurance can provide protection when you need it!

2) Coverage for medical bills – liability insurance is an important part of any insurance policy, especially motorcycle coverage. Make sure that liability doesn’t fall to you in the event of a collision or property damage.

3) Comprehensive policies also cover passengers – if you are involved in an accident and your passenger is injured, make sure that you have the comprehensive coverage that will protect their health and your bottom line. 

Insurance is one of those things that you need to have but you hope you never need. When you opt for a comprehensive policy you are protecting yourself and your future. Choosing an appropriate policy should be done after you review the available options, and while you keep your future in mind. Get the coverage you need with a comprehensive motorcycle policy.

Call or stop by the Saucon Insurance Agency if you are in the greater Bethlehem, PA area and want to know more about your motorcycle insurance options. 

How to get the best protection with motorcycle insurance in Bethlehem, PA

Because riding a motorcycle carries some serious risks, it is important to get a policy that reflects the possibility that you may be responsible for property damage and medical bills. Saucon Insurance Agency is available to help riders in Pennsylvania obtain coverage that matches their needs and the state requirements. 

Ideally, a motorcyclist should have an insurance policy that protects in the event of hospitalization or damage to their bike, as well as others who may be injured so that the cyclist is not personally liable. Basic liability coverage is required on all motor vehicles within the state. Helmets are also necessary unless a rider is experienced, over the age of 21, and has taken certain safety courses offered by the department of transportation. Those who ride daily may also want to invest in a policy that offers additional coverage, as their risk of getting into an accident will increase significantly. 

Pennsylvania has laws that require motorcyclists to carry insurance and present proof of insurance to any law enforcement officer. Because motorcycle insurance is required anyway, it is beneficial to talk to an agent about the kind of coverage that will work best in your personal situation and keep you compliant with the local laws. This can avoid problems later related to confusion about the details of your coverage. 

Get a policy that offers more protection today

If you want to obtain or change coverage for your motorcycle insurance in the Bethlehem, PA area, please contact Saucon Insurance Agency as soon as possible. An experienced agent can discuss Pennsylvania’s motorcycle regulations with you and offer coverage options that will make sense given your driving habits. 

What is Personal Umbrella Insurance?

Umbrella insurance is a great way to help get some extra coverage without altering your existing policies or adding more coverage to the policies that you already have. A personal umbrella policy is a bit different than a commercial umbrella insurance policy and knowing what these differences are is a great way to start. For those that live in the Bethlehem, PA area, the agents with Saucon Insurance Agency can help you find the right personal umbrella insurance policy for you.

 A personal umbrella insurance policy is likely going to be used to add more coverage to things like a home policy, more coverage to a car policy, or more coverage to watercraft insurance for instance. This is going to be extra liability coverage that is going to go above and beyond the coverage that your typical policy has. Not all people are going to need to have an extra personal umbrella policy but some people can benefit from it. If you think you may benefit from a personal umbrella policy you can always talk with an agent.

A good example is if you need more coverage for your automobile because your teenager is going to be driving it but you do not want to add more coverage on your traditional auto policy. You can have a personal umbrella policy that adds more liability without adding more coverage to your auto policy. This is a great way to add more coverage that is not going to change the overall cost of your existing policy but that is going to give you more coverage.

For those that live in the Bethlehem, PA area, the agents with Saucon Insurance Agency are ready and waiting to help you find the perfect insurance coverage for you and for all your existing policies.  

3 Best Practices to Prepare for a Flood

Did you know that floods are the most common type of natural disaster in the U.S? Coastal and low-lying areas are particularly at risk, but flooding can happen anytime and anywhere. Floods are dangerous to human life, and they can be quite costly. Even a few inches of flood water cost tens of thousands of dollars for your home or business. The good news is, you can be ready long before it happens. Implement these best practices each day to ensure that you are flood ready! Saucon Insurance Agency is here to partner with you and share useful insider secrets about flooding tips for Bethlehem, PA residents.

1. Clean Up Debris

Are your gutters and drainage pipes clogged with last winter’s debris? Clear them now to get ready for heavy rains. Move outdoor furniture to a safe place, and secure any fuel tanks for good measure. 

2. Elevate & Waterproof

Make sure to elevate all of your critical utilities. This includes the electrical panel, wiring, and A/C and heating systems. You’ll want to be certain your appliances and important documents are high and dry too. If your home is in an area that repeatedly floods, consider elevating the entire structure. And make sure to waterproof your basement and have a sump pump for backup.

3. Review Flood Insurance 

Regular homeowner’s insurance doesn’t cover for flooding as it is purchased separately. Therefore, it’s important to review your flood insurance options especially if you’re in a flood zone. Saucon Insurance Agency can assist you with flood insurance coverage any time of the year. We are proud to serve our neighbors in the Northhampton, Leigh Valley, and Bethlehem, PA areas with our insurance expertise. Call us today and let us know how we can help!

3 Reasons to Have Liability Insurance for Your Toys

Playing with your ATV’s, snowmobiles, and other toys can be a lot of fun. It can be a problem, however, if someone is injured or an accident causes property damage. The agents of Saucon Insurance Agency are available to help residents who live in or near Bethlehem, PA protects their financial security by fitting them with the right toy insurance policy.

Injury Liability

Accidents happen and there are times when injuries occur. Having personal injury liability on all of your toys will protect you from financial loss if a person is injured while riding with you or if one of your toys happens to malfunction. Unexpected medical expenses can be costly for all involved. 

Property Liability

Colliding with another vehicle or crashing into a fence or building can cause extensive property damage. Your liability insurance will cover these damages so you don’t have to pay for them out of your own pocket. Playing with your toys can be costly if you accidentally run into someone and damage their property.

Protect Yourself!

Don’t lose your financial security! Purchasing a personal injury/property liability toy insurance policy protects you from devastating financial loss if the unthinkable happens. Being fully covered gives you a sense of security and peace of mind that allows you to enjoy the time you spend with your friends.

In Bethlehem, PA, schedule an appointment with one of their knowledgeable agents to find out how you can protect your financial security with one of their toy policies. Before you take to the trails or head out on your next adventure, find out what type of insurance best suits your needs!

How you use your RV or camper can change your insurance coverage needs

Owning a camper or RV is a great way to enjoy time with friends and family. There are many different policy options for RV owners and you may want to consider how you use your camper when you select your policy. RV owners in the greater Bethlehem, PA area have relied on the Saucon Insurance Agency to answer all of their questions about RV and camper insurance options. Before you set out to explore our area this summer, be sure that you have the right insurance in place!

How Do You Use Your RV?

There are many different ways to use a camper or RV. Some people leave theirs parked on their own property and use it when hunting or for overflow guests. Others love to travel and stay in RV parks and campgrounds around the country. Still, others store theirs in the off-season and park it at the same RV park every summer. The way in which you use your RV can make a difference in the type and amount of insurance that you need. If your camper never leaves PA your needs may be different than the family that travels to Canada and Mexico in theirs. Now is the right time to ensure that you have the right coverage. Don’t get out on the road and find out the hard way that your policy is not sufficient to cover your needs. Liability can be different when you are staying in your camper as your primary residence.

Want to learn more about your RV insurance options in the greater Bethlehem, PA area? The team at Saucon Insurance Agency is here to help! Call or stop by our office today, and we can review your options with you. 

Should You Have Your Boat Insured?

Having a boat during the summer is a lot of fun but that fun can easily be squashed if you do not have the right insurance on it. You want to be sure that you take all of the proper steps that you can reach really enjoy your boat this summer in Bethlehem, PA. Here at Saucon Insurance Agency, we believe that means you should have your boat insured and we think that for several reasons. 

  • Boating accidents happen. Simply wanting to avoid them does not mean you will actually avoid them. Sometimes, there is nothing that you can do to avoid a boating accident. You should have the right insurance in place to help you if you do have a boating accident this summer. 
  • You want to protect yourself from any lawsuits. While you may hope that your friends and family will never sue you if they get injured on your boat, you would be surprised by the number of people that do. If you are going to invite others on your boat, which is half the fun anyway, you need to have insurance to protect you. 
  • You want to be able to replace the boat if it is damaged. You do not want to miss out on all the fun just because your boat gets damaged! Having boat insurance will help you replace the boat so you can get back on the water.

Now that you know where we stand and why, if you agree then it is time to get your boat insured. Here at Saucon Insurance Agency, serving Bethlehem, PA, we can help you get started as well as make sure that you are ready to go as soon as those warmer temperatures start to show up. Be sure to reach out to us today to get started so we can get you a free quote. 

Why Does Your Business Need Employee Benefit Insurance?

Employee benefits insurance in Bethlehem, PA helps provides coverage to an employer for any omissions or errors in the employee’s administration of the employee benefits. While this kind of insurance isn’t required, it does provide some protection. If your business offers benefits to employees as part of a work contract, and if there are different benefits offered, it can come in handy. This insurance will help your businesses if your business offers benefits to employees, your company has employees who manage the benefit programs that are offered, you have different benefits for different types of employees, or if your business has a high employee turnover. If you aren’t sure if your business would be aided by having employee benefit insurance, contact an agent at Saucon Insurance Agency.

Employee benefits insurance covers claims made by former or current employees who believe that a form of benefit that was outlined in their contract wasn’t properly managed on their behalf. Some of the things this can include a wrong description of benefits plans and eligibility rules, records or files related to employee benefits missing, or failure to enroll, maintain or terminate beneficiaries. The policy should cover all legally required benefits, any optional benefits, and all employees who are receiving benefits. It doesn’t recover any claims about poorly performing retirement plans, claims related to salary, any bodily injury claims, harassment claims, or any benefits offered to employees that don’t relate to money.

Claims like this against a business can be expensive and it can also hurt the reputation of the company. Insurance can help with some of the financial repercussions that these types of claims can cause. Make sure your plan covers the benefits your company offers.

Contact Saucon Insurance Agency, serving Bethlehem, PA, to get a quote on employee benefits insurance.