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. 

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.

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. 

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. 

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. 

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.

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. 

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. 

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.