The importance of routine maintenance for your boat

For many boaters in Bethlehem, PA, boat maintenance is nothing more than washing the boat and changing the oil, but for boat enthusiasts, it is more than that. Whether you like to take short or long trips, proper boat care is one great way of improving the safety, performance, and longevity of your watercraft. It also helps you save a significant amount of money on repairs. So, if you’re looking to own a boat soon, here are a few boat maintenance benefits you should know.

Increased safety

Your safety in the water heavily depends on your boat’s condition. If the boat’s ability to run is reduced at any one point, your safety and the safety of other people in the water are reduced. To avoid running into more significant problems in the future, Saucon Insurance Agency recommends inspecting your boat before heading out to catch any faults.

Improved performance

Any boat, if kept in its best condition, has excellent performance. For instance, if you fail to change the oil or follow the recommended oil change schedule, the boat engine will not function properly. Oil change and other maintenance practices can significantly lower your boat maintenance costs. Boats that are serviced frequently are also known to be fuel-efficient.

Prolonged lifespan 

The overall outcome of a well-maintained boat is a prolonged life. However, remember the older your boat gets, the more the wear and tear. This can quickly get worse if you don’t take proper care of the watercraft. Simple practices such as cleaning, oil change, and regular replacement of old parts keep your boat in tiptop condition, which improves its durability.

To learn more about boat safety and insurance policy, feel free to contact Saucon Insurance Agency, and we will be happy to assist.

Types of employee benefits to consider

Types of employee benefits to consider 

Having employees in your business or company means finding ways to retain them. One of the best ways to retain talents is by offering employee benefits. While some benefits like workers’ compensation are required by the law, some are more critical than others.

 At Saucon Insurance Agency, we recommend assessing the nature of your business to know the type of workers you need and the types of benefits that fit them. Here are the specific employee benefits to consider for your business in Bethlehem, PA.

Medical insurance

Your employee’s health should come first. You don’t expect a worker to be productive when they are unwell or unable to meet their medical expenses. While both parties contribute medical insurance, it is meant to benefit the employees and their families.

Workers compensation

Workers’ compensation in Pennsylvania requires some employers to carry the policy to protect their workers. Employers who do not have the policy and are required to have one can be sued by their employees and be prosecuted by the commonwealth. Exempted employees like railroad workers and federal employees do not need workers’ compensation as they are already covered under other workers’ compensation acts. The policy covers employees for the entire period of their employment.

Life insurance

Life insurance is designed to protect your employees’ families in case an employee dies in the line of duty. The death benefit paid by the insurance company is given to the spouse or the children to cater to their needs, especially if the employee was the breadwinner. Employees can also determine who they want to be their primary beneficiaries.

Disability insurance

Disability insurance is a special type of insurance meant to replace part or all income lost when a worker is unable to work due to an illness or injury sustained while working.

To learn more about employee benefits in Bethlehem, PA, feel free to call or visit us at Saucon Insurance Agency, and we will be happy to assist you.

How Does Commercial Insurance Work?

There are very many business owners in Bethlehem, PA, who do not have commercial insurance. These entrepreneurs are not ignorant. It is not that they do not appreciate the benefits provided by commercial insurance. The problem is that they do not know how it works. Saucon Insurance Agency is a friendly company that helps business owners to get a detailed understanding of commercial insurance policies.

How Does It Work?

Generally, commercial insurance is just like any other insurance policy. However, it involves a contract between a business and an insurance company to cover for possible financial losses that are likely to face a company in its business.

In case the company experiences losses on covered aspects, the insurance company is expected to cover all the losses. However, just like any other insurance policy, the insurance company must establish the cause of the loss. 

What Does It Cover?

Commercial insurance can cover every other aspect that can bring losses to a business. Most business owners perceive that it can only cover fire, flood, and theft. This is not the case. There is no limit to what a commercial insurance policy can cover and what it cannot cover.

There are some very comprehensive commercial insurance policies that cover almost anything that can have a financial impact on an organization. It all depends on the agreement and the items that the two parties have agreed to consider in their contract.

Some common issues to be covered included professional liability, business downtime, worker’s compensation, loss of income, and product liability.

Are You Looking for Commercial Insurance?

As you can see, commercial insurance covers your company in different areas depending on the agreement. That is why you need to have the best commercial insurance company in Bethlehem, PA. Saucon Insurance Agency knows everything you need and will help you get the insurance that comprehensively covers your business. Contact us today for more information.

Do You Need Home Insurance?

You have purchased a home but have you obtained a home insurance policy yet and do you need it? Whether you owe money to a lender for the purchase of your home or your home is paid in full, you need home insurance. The agents at the Saucon Insurance Agency in Bethlehem, PA understand the reasons you need to have a home insurance policy in place.

What Does Home Insurance Cover?

A home insurance policy is one of the main ways you can protect your investment in your home. This type of insurance policy will help replace or repair your home if it is damaged or destroyed by a natural disaster, vandalism, or a fire. Your home insurance policy will cover the structure of your house and can cover the surrounding structures on your property, including your garage and deck.

Your home insurance policy will also cover all of your personal belongings, furniture, appliances, and other household items. It will also replace some of these items if you and your home become a victim of a burglary or theft incident. Your home insurance policy also provides liability insurance which can help you out if a visitor to your home has an accident while they are there and is injured. Your home insurance will help pay their medical bills and lost wages.

If you do not have a home insurance policy in place and a tragic event occurs, you could lose your home and everything else you own so to be on the safe side and for your peace of mind, you should obtain a home insurance policy as soon as possible. Our agents at the Saucon Insurance Agency in Bethlehem, PA are ready to get your party started so call for an appointment and quote today!

Will Auto Insurance Cover Natural Disasters?

Cars are subject to much of the same hazards as homes. When a storm hits, your main concern may be your house in Bethlehem, PA, but your car is in just as much danger. So if you buy a policy through Saucon Insurance Agency, is your car going to be covered?

Yes, If You Have Comprehensive Insurance

The minimum legal mandate says that drivers need to carry liability insurance. This means that if you are found to be at fault in an accident, you can cover the other party’s losses through your insurance.

But you are not required to carry comprehensive and collision. So if you want to make sure that you’re covered from storms, falling trees, and other random acts of nature, you’ll want to make sure that you have full coverage.

Collision will cover your losses in the event of a collision. But the keyword there is collision. If someone vandalizes your car, if it’s stolen, or if a boulder rolls down the hill and lands on it, collision won’t do you much good. That’s what comprehensive is for.

The short answer to any question of whether something is covered: Yes, if…

Almost anything that you can legally own, you can legally insure. You just need to read your policy over to find out.

If you have any questions or if you’re looking to get covered in Bethlehem, PA, get in touch with Saucon Insurance Agency and see what they can do for you. Saucon Insurance Agency can provide Bethlehem PA drivers with a good deal on a great policy so that they can drive safely, knowing that they’re covered against everything from head-on collisions to falling branches.

Personal Umbrella Vehicle Insurance Requirements in Bethlehem, PA

If you are interested in learning more about personal umbrella vehicle insurance in Bethlehem, PA, you should consider what Saucon Insurance Agency has to offer.

If you want to have extra security when it comes to your assets, you might be interested in purchasing an umbrella insurance policy. With umbrella insurance, you will have more layers of liability that can be of great assistance to you. If you have liability limits on your auto insurance and other policies, the umbrella insurance can take over at that point and give you just the amount of protection that you need.

Umbrella insurance will only start to kick in when the liability limits are exhausted on your other insurance policies. For example, with personal umbrella vehicle insurance, once your auto insurance liability limits are exhausted in the event of an accident or other mishap, your umbrella policy will take over and give you an additional layer of protection that could end up saving you a great deal of money. In addition, the umbrella policy could pay for some claims that aren’t necessarily covered by your auto insurance or any other insurance policy that you may have.

Personal umbrella vehicle insurance coverage will vary from person to person. This policy will not only cover you but others who live in your household as well. Many people don’t know just how useful and important an umbrella insurance policy can be, but it is certainly worth exploring.

If you live in Bethlehem, PA and are interested in learning more about personal umbrella vehicle insurance, you should feel free to contact the professionals at Saucon Insurance Agency. They will be able to answer any questions that you might have and perhaps give you insights into what would be the best personal umbrella vehicle insurance policy for you.

Types of Motorcycle Vehicle Insurance

Motorcycle vehicle insurance covers various options, an aspect that may prove challenging to grasp if you are new to it. Not to mention the terminologies that may occasionally leave you puzzled. To help with that, here are some common motorcycle insurance options that will serve you well within the Bethlehem, PA area in your time of need.

Motorcycle Coverage Options

Liability Coverage

Pennsylvania laws state that every motorcycle owner should have liability coverage for any bodily injury arising from accidents. With this compulsory coverage, expenses arising from personal faults in an accident are taken care of, most notably when other motorists suffer injury. When dealing with property damage, the cover also caters to the destruction of other motorists’ property when the fault rests on you.

Uninsured Coverage

Not everyone on the road is covered by an insurance company like Saucon Insurance Agency. If you get into an accident with such an individual, an uninsured cover takes care of expenses that may have required you to dig deep into your pocket. In addition to uninsured motorists, this particular type of cover also extends to individuals whose insurance fails to meet the full expense of damage incurred, helping you offset any outstanding balance.

Medical Costs Coverage

Motorcycle vehicle insurance is not just for your benefit. If you get into an accident and have a passenger on board, medical coverage will help you take care of costs related to their medical bills and hospitalization expenses.

Collision and Comprehensive Coverage

Under collision coverage, insurers provide coverage for damage to your motorcycle in the event of a clash. Comprehensive coverage, on the other hand, caters to a broader range of coverage. Here, you can expect insurance related to vandalism, theft of your motorcycle, and damage from disasters such as hail.

If you operate a motorcycle within the Bethlehem, PA region, contact Saucon Insurance Agency. We provide motorcycle vehicle insurance coverage suited to every need.

Collectors Vehicle Insurance Requirements in Bethlehem, PA

If you live in the city of Bethlehem, PA, and are interested in learning about collectors vehicle insurance, you may want to see what the professionals at Saucon Insurance Agency have to offer on the topic.

Collectors car insurance is also known as classic car insurance. It is somewhat similar to regular auto insurance, except that with regular auto insurance, the vehicle is usually only going to be covered up to its actual cash value. This is going to be the replacement cost with depreciation subtracted. However, collectors car insurance is going to cover your vehicle for a value that is agreed upon by both you and the insurance company. Collectible cars actually increase in value over time, rather than decrease like a regular vehicle.

There are many different types of collector vehicle insurance, depending on the specific type of collectible vehicle. The age of and modifications to the vehicle can come into play when determining the type of insurance that you are going to purchase for it. Just as is the case with regular auto insurance, collectors vehicle insurance is going to include different types of coverage that will protect you while you are out on the road; these include liability, comprehensive, collision, medical payments, and coverage for uninsured/underinsured motorists.

In the state of Pennsylvania, drivers are required to buy and maintain auto insurance in order to legally drive. As is the case in any state, the auto insurance requirements in Pennsylvania will extend to collectible vehicles as well.

If you are interested in collectors vehicle insurance in Bethlehem, PA, you should contact Saucon Insurance Agency. The people who work at this agency may be able to provide you with some useful information and even give you some guidance on the specific collector’s vehicle insurance policy that you should choose.

What protections does wedding insurance offer

Most brides spend years planning the wedding of their dreams. Every detail has to be perfect. So many aspects all have to fall into place. The venue must be perfect, the food, the flowers, the music, and the dress. Many things can be controlled but some things are beyond anyone’s control. No one wants to think about things not being perfect on their wedding day but as everyone knows, things happen. The wise bride has a contingency plan that includes wedding insurance. In Bethlehem, PA, Saucon Insurance Agency has almost two hundred years of experience combined with a modern view of insurance coverage. 

Wedding insurance can help to protect your investment if something happens. When you have scheduled your wedding for a particular day and venue, you will be financially committed to a selection of vendors. A basic wedding insurance policy can help with some of the non-refundable deposits you have to make if your wedding has to be canceled or postponed. But like many other types of insurance policies, there are exclusions and you may need to add additional coverage for any things not covered. 

You can design a wedding insurance policy to fit your need: Some coverage to consider:

  • Liability coverage: Damage to the venue and injury to a guest.
  • Alcohol-related liability: A must if alcohol is being served.
  • No show vendor or a vendor going out of business. 
  • Cancellation or postponement due to a covered hazard.
  • Honeymoon reimbursement in the event of a cancellation or postponement

One thing to keep in mind, wedding insurances can protect you from many eventualities. However, if either of the participants changes their mind and decides not to go through with the ceremony, your wedding insurance will not reimburse you for lost money. 

Contact Saucon Insurance Agency in Bethlehem, PA for all your insurance needs. 

How Boat Insurance Protects You On and Off the Water

For anyone who lives in the Bethlehem, PA area and needs boat insurance, Saucon Insurance Agency is here to help. Insuring your boat is an important part of enjoying it, and of taking good care of it so you can use it for a long time. A lot of people think they can let their coverage lapse when they aren’t using their boat through the winter months, but that’s not necessarily the best option. Even if your boat isn’t out on the water, there are still ways it could get damaged or otherwise harmed in some way.

When you have good coverage on your boat on a year-round basis, you can feel confident that your boat is thoroughly protected and safe. Not only can you take it out on the water and have fun with it, but you’ll feel confident storing it in a dry dock, at your house, or in another location that works for your needs and the size of your boat. Being protected goes a very long way toward having peace of mind and enjoying the things you have. Our knowledgeable insurance agents want to help with that and are happy to answer any questions you have, as well.

If you’re in the Bethlehem, PA area, reach out to us at Saucon Insurance Agency today. We can provide you with quotes and information on boat insurance so you can choose what works for you. Not every policy is going to be right for every situation, but we can find the coverage you need and want so you can spend less time worrying about insurance and more time enjoying your boat. Whether you’re on the water having fun or doing some maintenance work on your boat over the winter, you’ll feel better knowing it’s covered.