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. 

Why Businesses Need General Liability Insurance

A general liability insurance policy in Bethlehem, PA can protect a business from a number of claims, including third-party bodily injury and damage to property.

Certain businesses can benefit more from liability insurance since they have more risks. An agent at Saucon Insurance Agency can help determine your risk. These businesses include that interact with clients face to face, have access to a client’s equipment, or use third-party locations for any business-related activity.

General liability insurance can cover a number of different claims. One of the main claims it covers is a third-party injury. Even with careful planning, accidents can still happen and this insurance will not only cover medical payments, but it will also cover any defense costs. The second main thing it covers is damage to third-party property. This can be damage that is caused by you or one of your employees. It pays for the damage and any defense costs as well. Property damage not only occurs with physical property, but it can also include electronic data liability. For example, property damage can occur when an IT professional damages a computer server and the client loses his or her data. Personal injury claims are another thing this insurance covers. Personal injury claims are often the result of slander and libel in business environments. These are false statements that can be damaging to a personal reputation. Advertising injury is also covered. This helps provide protection against the unintentional use of a third party’s advertising idea, or if your marketing or advertisements infringe on a copyright. This insurance not only protects your full time employees, but it will also protect temporary staff. If claims are filed against your business, there could be expenses that follow besides just medical payments and defense costs. General liability can also cover supplemental payments that occur after a claim.

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

What Is Appliance Insurance?

Major appliances like stoves, refrigerators, and dishwashers are huge investments compared to appliances in the past. New appliances are full of digital components that require more advanced technology in terms of repairs or replacing components that are defective or damaged. The agents at Saucon Insurance Agency offer appliance insurance to the residents of Bethlehem, PA to protect them from bearing the full brunt of the cost if an appliance breaks down or needs to be replaced.

What Is Appliance Insurance?

Appliance insurance can be purchased to go along with your homeowner’s insurance. The concept of appliance insurance is much like that of a warranty. Policies protect against breakdowns that require the unit to be repaired or replaced. While there is still a deductible to be paid, the majority of the cost of repairing or replacing the appliance is absorbed by the appliance insurance policy.

Protect Your Investment

Adding the appliance insurance to your homeowner’s policy will help to protect you from financial loss if an appliance breaks down or cannot be repaired. Protecting your investment is essential if you want to avoid having to buy a new appliance out of pocket. New appliances with digital controls can be extremely expensive, so having the insurance in place can save you from a hefty financial loss if one would break down.

Residents living in or near Bethlehem, PA can call Saucon Insurance Agency if they are interested in learning more about appliance insurance. The agents encourage their clients to call the office and schedule a consultation so all of their questions and concerns can be addressed. Appliance insurance policies can be added to your homeowner’s insurance for an additional fee each month.

Does Comprehensive Insurance Cover Vandalism?

Having the right type of auto insurance is the best way to protect you and your vehicle from a variety of threats and events that can cause serious financial and personal setbacks. One of the most important parts of coverage is your comprehensive coverage. It protects you from a variety of damages and threats, but does it cover vandalism?

Comprehensive Coverage

If you have comprehensive coverage, it is going to protect you from vandalism and even damage caused by wild animals and Mother Nature. It is crucial to find out what the limitations of the policy are so you know if you are going to be covered for the full value of the car in case the vehicle sustains enough damage to be considered “totaled”. Unfortunately, vandalism damage can ruin an engine and the body of the vehicle in an extreme manner. Always select the right type of comprehensive insurance for new vehicles. 

Knowledgeable Agencies

Most reputable agencies have knowledgeable agents willing to explain coverage in great detail. They will suggest coverage options that will provide complete coverage for whatever life throws at your vehicle. If you are looking for good auto insurance, consider consulting Saucon Insurance Agency serving the residents of Bethlehem, PA. Their agents will take the time to get to know your situation and recommend a solid course of action.

If you have a newer or valuable vehicle, you need good comprehensive coverage that will protect you in the event of damage or theft. If you are a resident of the Bethlehem, PA area, you can count on Saucon Insurance Agency to guide you through the policy selection process and even assist with claims. Call or stop by for more information.

Umbrella Insurance for Homeowners: Is It Necessary?

We at Saucon Insurance Agency have worked with Bethlehem, PA residents for years to help them find great umbrella insurance options. But many of our clients ask us if this type of policy is necessary for their home. While perhaps not a strict necessity, umbrella insurance is a good option for many people.

Understanding Umbrella Insurance

Umbrella insurance is a type of extra liability coverage that goes into effect when your initial home insurance policy is maxed out or if it doesn’t cover a specific problem. For example, if somebody is injured at your home and sues you for $50,000 and your policy only covers $20,000, umbrella insurance pays the rest.

The exact range of coverage will vary depending on the policy a person purchases. However, this type of coverage is a nice buffer for people who are at high risk of being sued. While some individuals won’t need it, others will benefit greatly from umbrella coverage.

Is It Necessary?

Umbrella insurance might seem like a luxury that most people either don’t need or simply can’t afford. However, there are many reasons individuals who will find this coverage a good choice. Typically, umbrella insurance is good for people who:

  • Hold regular parties with many people
  • Invite friends over for extended periods
  • Take care of people on their property
  • Frequently house outside family members
  • Have home businesses to manage

These individuals will find the extra liability coverage provided by umbrella insurance very beneficial for their pocketbook. Many are likely to find that this increased coverage comes in handy when somebody gets injured unexpectedly on their property.

Finding a Policy You Can Afford

As you can see, Bethlehem, PA umbrella insurance provides benefits that may be worth the extra cost. So please don’t hesitate to contact us at Saucon Insurance Agency to learn more about your options and to research your possible umbrella insurance choices.

Get Insured Before Making Your Motorcycle Road Trip

So, you love riding motorcycles? The sensation of the wind in your face is unbeatable, right?

Well, before you plan your next long-distance road trip, whether within PA or to another state, be sure to make arrangements to protect your financial well-being.

Too many cyclists fail to purchase adequate motorcycle insurance and then find themselves having to pay out-of-pocket expenses beyond their means. Accidents always happen when people least expect them.

Following are some of the top types of insurance coverage cyclists tend to like best. And, if you are interested in knowing more about specific rates, contact Saucon Insurance Agency, serving Bethlehem PA, for more information.

Basic Liability

This level of coverage is the minimum allowed.

In general, you can use basic liability insurance to handle costs arising from accidents in which you are at fault. Without liability coverage, you could face serious financial and legal problems.

Collision Insurance

Running into another vehicle is a constant concern for cyclists. In some cases, you may even need to purchase a new motorcycle, or other transport, for yourself or another party. Having collision insurance to help is essential.

Uninsured Driver Policy

Well, unfortunately, you cannot always assume everyone else on the road is fully insured.

Some motorists take the chance of driving without any coverage at all. If they cause an accident with your motorcycle, then you will need some additional insurance to pay for the damages.

Likewise, other drivers have only basic liability insurance, which, given the rising costs of repairs, can often fall short of the amount needed.

Get Informed Advice Today

Never take an extended motorcycle road trip without first speaking with an insurance agent.

For specific rate information, the professionals at Saucon Insurance Agency, serving Bethlehem, PA, have got you covered. Visit the website today or give a call.


What is Toy Insurance?

Toys are not just for kids! In fact, many adults love their expensive, large toys such as boats, all-terrain vehicles, RVs, and even golf carts. These toys are both fun and expensive and for this reason, it is a good idea to cover them with toy insurance in Bethlehem, PA. If anything were to happen to these expensive toys, your investment would be ruined if you do not have the right coverage – and replacing any of these toys would be more expensive than having them insured in the first place. At Saucon Insurance Agency we know how much you love your toys and we want to help you protect them by guiding you through the insurance coverage process that will keep them protected. 

Some of the most popular toys that are covered by individual insurance policies can be found here:

  • campers and trailers
  • boats and other watercraft
  • motorcycles
  • all-terrain vehicles
  • golf carts
  • dune buggies
  • antique cars
  • motor homes

While insurance policies offer general coverage for the above toys, the insurance coverage will vary depending on the toy. It’s a good idea to get in touch with Saucon Insurance Agency to see which policy or policies you can purchase for your individual toys. General coverage includes liability insurance, collision, comprehensive coverage, and uninsured and underinsured motorist coverage. Many of these toys run at high speeds that can cause serious injury and damage in the event of an accident. 

To learn more about insurance coverage for your toys and what the state of Pennsylvania requires under the law, contact Saucon Insurance Agency today. We will take the time to find you the right policy for your particular toys. We serve the Bethlehem, PA area and are here to answer all of your questions about toy insurance. Contact us today at 610-868-1800. 


Can a Lender Require You to Purchase Flood Insurance?

Flood insurance is something that there are many questions floating around about. Some homeowners believe that their regular home insurance covers flooding, but unfortunately, it does not. Another question that some people have is whether a lender can require you to purchase flood insurance. Here at Saucon Insurance Agency, serving the greater Bethlehem, PA area, we want you to fully understand whether you can be required to purchase flood insurance. Here is what you need to know about this topic. 

Can a Lender Require You to Purchase Flood Insurance?

When you take out a loan for your home, the lender has to protect their interest in the home. After all, if you fail to make your payments, foreclosing on and selling your home is the lender’s way of recovering their money. As such, a lender can require you to purchase flood insurance. Many lenders require this for homes that are built on a flood plain or an area that is susceptible to flooding. 

How Do You Know if Your Lender Requires Flood Insurance?

If your lender requires flood insurance, it will be in your lending contract. You should carefully read over this contract before you close on your home to see what the lender requires of you, including, but not limited to, carry home insurance and carrying flood insurance. If the original lending contract does not list flood insurance as a requirement, the lender cannot require it of you unless you refinance your home or make changes to your existing mortgage. 

Is your lender requiring you to purchase flood insurance or are you simply interested in protecting your home? Then contact Saucon Insurance Agency. We can help to answer any additional questions you have about flood insurance in the greater Bethlehem, PA area, and help you find the flood insurance policy that is ideal for you. Call us now to get started. 

Three Myths About Boat Insurance

At Saucon Insurance Agency, serving the greater Bethlehem PA, we can help individuals obtain boat insurance. Unfortunately, though, we often find that people believe many myths related to boat insurance, and as such, don’t believe they need boat insurance or don’t have the right coverage for their needs. Here are three common myths related to boat insurance and the truth surrounding these myths. 

Home Insurance Covers Your Boat

One of the myths related to boat insurance is that it isn’t needed because home insurance covers a boat stored on your property. Some home insurance policies will cover a boat stored in your garage or backyard, but most are starting to exclude toys stored at your home, including boats and four wheelers. As such, it is important to have a separate boat insurance policy to cover your boat. 

Boat Insurance Covers You Wherever You Go Boating

Another common myth is that boat insurance covers you regardless of where you boat. This is not true. Some policies limit what types of bodies of water you can have your boat in, what states you can have your boat in or where you can travel in your boat. Always review your policy to ensure your boat is covered wherever you plan on using it. 

Boat Insurance is Not Required By Law

Lastly, some people believe boat insurance is not required by law. Most states, including Pennsylvania, require boat insurance in order to register and operate a boat. If you want to lawfully and legally use your boat, you need boat insurance. 

It may not be boating season, but boat insurance is still important. If you need boat insurance in the greater Bethlehem, PA area, contact Saucon Insurance Agency. Our trained professionals can help to answer any questions you may have or help you find the right policy for your needs.