Grown-ups like their toys too, right? All-terrain vehicles, snowmobiles, golf carts, and other recreational vehicles can add a ton of fun to your outdoor time. Keep the good times rolling with proper insurance on all your grown-up toys. At Saucon Insurance Agency, serving Bethlehem, PA, we work hard to bring you the best insurance information so you can make the best insurance choices. Keep reading to learn more about toy insurance. 

What Qualifies as A Toy?

Toys are considered recreational vehicles. These types of vehicles are often used for fun, but they can still pose dangers when in use. Because of this, having proper insurance in place is essential. You have invested money into these grown-up toys, and insurance will make sure that investment is protected. 

What Does Toy Insurance Cover?

Toy insurance will provide basic types of coverage for recreational vehicles. You can customize your insurance policy, but in general, a policy will provide coverage for the following areas:

• Property damage- This type of coverage is put in place to make sure you are reimbursed if your vehicle is damaged or lost due to natural disasters, fire or burglary. This is the best way to protect the money you invested into the vehicle. 
• Liability Coverage- If your vehicle is in an accident that results in others being injured, or other vehicles being damaged, liability insurance will pay for those expenses. Without liability coverage, you will personally be held responsible for any expenses resulting from this type of incident. This could include medical expenses, costs of damage to other vehicles, and even legal expenses. 

If you would like to learn more about our services, please contact us at Saucon Insurance Agency, serving Bethlehem, PA. 

Owning a home in or around Bethlehem, PA can be a great housing option. If you want to own a property in this area of the state, you also need to make sure you choose an ideal insurance plan for it. While this should always include home insurance, you may also want additional flood insurance. There are a few reasons why you may need flood insurance here. 

Home is at Risk of Flood Damage

A reason you will need to have a flood insurance plan here is that your property is at risk of flood damage. If your home is near a lake, river, or various other waterways that can flood, you could be at risk of damage that may not be covered by your standard home insurance plan. Having proper flood insurance will give the coverage that you need to protect your property.

Coverage is a Requirement

You may also need to have flood insurance if it is a requirement for you to have coverage. Those that intend to finance their home with a loan will have various insurance requirements. If your dwelling is in a designated flood zone, the mortgage provider will likely require you to carry flood insurance. They may have you establish escrow accounts to ensure you maintain coverage. 

Having a proper flood insurance plan is a necessity for some in the Bethlehem, PA area. If you are assessing your home insurance needs and think that flood insurance is a good investment for you, it would be wise to call the Saucon Insurance Agency. There are a lot of reasons why you may need to get flood insurance and the Saucon Insurance Agency can help you build a plan that will meet your needs. This will ensure your home is covered and you are in full insurance compliance.

There are a lot of great reasons to live in the Bethlehem, PA area. If you are going to move to this area of the state, you can enjoy all the great local parks and recreational amenities that are all over the state. If you want to enjoy the area as much as possible, getting an RV is a good option. When you are going to purchase a recreational vehicle, you need to get an RV insurance plan as well. This coverage is needed for a few reasons.

Coverage Will Protect RV

A reason that you should get an RV insurance plan is that it will provide you with coverage for your RV. If you buy one of these, you will want to know that you can enjoy it for years to come. A way to help ensure that you can enjoy your RV is by getting insurance that will help to protect and replace your RV if it is damaged or stolen. 

Coverage Offers Liability Support

You should also get an RV insurance plan as it can offer you liability support. There is always a chance that an accident can occur when you are driving your RV or when you are parked for the night. If an accident does occur that results in damages, you could be liable for the damages. With an RV insurance plan, you will get the coverage you need to offset this risk. 

Choosing a new insurance plan for your RV in the Bethlehem, PA area is an important decision. As you are looking for a new insurance plan here, you should call the Saucon Insurance Agency. There are a lot of choices to consider when picking a plan and Saucon Insurance Agency can make it easier for you to pick the ideal plan by explaining all of your options. 

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 

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.

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.

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.

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.

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.

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.