Umbrella insurance is an add-on insurance policy, which for more, is worth buying. These policies provide additional coverage where existing insurance policies fail. For example, if you are in an accident in Bethlehem, PA, and sued for damages, your insurance policy only covers up the limits in the policy. The remaining balance of damages would be covered under an umbrella insurance policy. However, there are some things that umbrella insurance does not cover. 

Get covered today and call us at Saucon Insurance Agency to discuss more options and umbrella insurance coverage. 

Here are some of those things not covered by an umbrella insurance policy: 

Business Losses

Personal umbrella insurance policies do not cover losses related to your business operation or damage to business property. This exclusion even applies if you have a home-based business. Additionally, personal umbrella insurance does not cover business-related liabilities. 

Contracts

Liability arising from a written or oral contract you have entered into is not typically covered under a personal umbrella insurance policy. If sued regarding these contracts, you are most likely not protected by the umbrella policy. 

Criminal and Intentional Actions

Your personal umbrella insurance policy will not protect you from consequences related to any intentionally harmful or illegal actions conducted by you. 

Personal Property

Umbrella insurance protects you against damages to someone else’s property should you be held responsible for the damage. However, umbrella insurance typically does not cover your personal property or damages to your property. 

Who Needs Umbrella Insurance? 

Anyone can benefit from purchasing a personal umbrella insurance policy. It is beneficial because accidents can happen to anyone at any time, and having the extra coverage provides you the protection against facing significant financial loss. 

Personal umbrella insurance in Bethlehem, PA helps protect you against liability associated with accidents and damage to another person’s property. For additional information, call our agents at Saucon Insurance Agency today. 

 Spectacular and affordable protection in Bethlehem, PA is an instrumental requirement for all motorcycle riders. When you are hitting Bethlehem, PA roadways with your cruiser through the urban sprawl of Philly or undertaking a long motorcycle ride through farm country, you need prolific motorcycle insurance from Saucon Insurance Agency to safeguard you on the road. Buying motorcycle insurance from a reputable insurer is the ultimate way to ensure your coverage is sufficient to avert the financial nightmare at your disposal. Contact our agents at Saucon Insurance Agency and let our agents forge the strongest shield possible to cushion the things you are working hard to build.

Is motorcycle insurance mandatory in Pennsylvania?

The state of Pennsylvania requires that all motorcycle riders maintain minimum liability coverage. Pennsylvania advocates each rider to carry minimum liability requirements, including bodily injury and property damage. Devoid of conforming to the stipulated requirements, you are liable for dire consequences like fines and license suspension. Motorcycle insurance harbors the following benefits:

It’s a legal requirement.

 Most motorcycle owners in Bethlehem, PA, buy insurance because it’s a requirement by law. Regardless of undertaking training and licensing to own a bike, you must carry suitable motorcycle insurance before hitting the road. Pennsylvania requires motorcycle riders to maintain bodily injury and property damage liability in their motorcycle insurance.

Liability protection

 Liability insurance shields you if you are deemed liable for any property damage or bodily injuries you inflict on third parties after a collision. Reimburses costs for medical expenses resulting from injuries inflicted after causing an accident and repair fees before you ponder your next move.

Protection of your motorcycle

Collision and comprehensive policies cater to the damage done to your property. Collision coverage caters to the repair or replacement of your motorbike if damaged by a collision with other motorists. At the same time, comprehensive coverage relays the same form of protection if your motorcycle gets damaged by non-collision events, even if it is parked at your home.

Medical payments and personal injury protection

Medical insurance helps to pay your own reasonable and necessary medical bills irrespective of who propagated the accident. Personal injury protection caters to lost wages, child care, and other related expenses incurred as you recover from injuries.

Every motorcycle rider knows that each motorcycle is unique. At Saucon Insurance Agency situated in Bethlehem, PA, we cover just about everything. Whether you cherish three wheels or two wheels, we offer customized insurance shields commensurate with your specific passion. Contact us today for more information.

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.