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. 

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.