Life Insurance New Jersey – Protecting Yourself To Protect Your Loved Ones

When it comes to life insurance, it is all about protecting the people you care for in the event that the unthinkable should happen.  Nobody wants to think about a day when they can’t protect the people they love, but it is important to make sure that should this ever be an issue your loved ones will be covered.  What should you consider when it comes to life insurance?

Do You Have Children You Take Care Of?

Young children require shelter, food, and care, and it is important to make sure that they are covered should anything happen to you.  A good life insurance policy will offer your family money to help cover expenses once covered by your paycheck.  It is peace of mind to know your children will be taken care of should you not be able to any more.

Are You Taking Care Of A Spouse Or Other Relatives?

The loss of your income could be devastating to an elderly, non-working parent or relative, or to a non-working spouse.  To help them make do without your income, life insurance is imperative.  It ensures that these people are taken care of should something happen to you.

Covering Large Expenses For Your Loved Ones

Even if the members of your household are working adults, there may be expenses that they are not prepared to take on that you leave behind.  Car payments, house payments, credit card debt, and more can be left as a burden to your family.  Life insurance will offer them something to help pay down these debts.

The fact of the matter is, if you have people depending on you, you need life insurance.  ABCO Insurance Agency can help you compare rates to find a fantastic policy.  Call us today for a rate quote from up to 25 different companies.

Life Insurance New Jersey – Learn more HERE.

What Does Restaurant Liability Insurance Cost? Factors That Determine Your Rate

How much does restaurant liability insurance cost?  When it comes to insuring your restaurant, there are a lot of factors that determine just how much insurance you will need and how much that insurance will cost.  Liability is just one type of insurance available that all restaurants should have.  It is the most basic form of insurance, and is very standard for most business and home policies.

Restaurant Liability

When it comes to restaurant liability insurance, a general liability policy will cover the basics that you would expect from any basic insurance policy.  It covers costs if anyone should injure themselves in your restaurant that may result in a lawsuit or insurance claim.  For restaurants this can include everything from slipping on a wet floor, to burns from a hot coffee spill, to food poisoning.  The reality is, though, that restaurant liability insurance is rarely enough.  You will need much more than just restaurant liability to cover your business properly.

Other Restaurant Insurance

Restaurants often need a lot of insurance to cover a lot of different circumstances.  Restaurants and bars that serve alcohol, for example, need extra insurance coverage should a person who drank on their property injure themselves or others.  If you have employees at your restaurant, and many restaurants do, you are likely to need a workers compensation policy should an employee get injured on the job.  Furthermore you may want a policy to cover your business should a disaster prevent you from serving customers for an extended period of time.  Should storm damage or a fire shut you down for a significant period of time, this policy can help cover loss of income and more.

Determining Insurance Cost

Because there are so many restaurant policies available, it is difficult to determine cost without assessing all policies a restaurant needs.  Combining policies can save money, and since most restaurants will want at least a few different policies that are available, the best way to get your rate is to figure out what you need for your restaurant and to compare policies.

At ABCO we can help you compare rates to save money.  If you are looking to insure your restaurant, call us today!  Our experienced staff will be happy to help you get a fantastic rate on your restaurant insurance policy.

Learn more about Restaurant Liability Insurance Cost HERE.

Car Insurance South Jersey – Steps Toward Getting A Better Rate

Every driver needs car insurance, and getting a great rate is a high priority for most.  Of course, there are simple steps any driver can take to help make a great rate possible.  Are you doing everything you can to get a good rate?  Here are some tips to getting car insurance in South Jersey.

Drive A Safe Car

The safer the car that you drive, the better insurance rate you will get.  Insurance companies like to feel secure that your car will be reliable and will keep you and your passengers safe.  While a flashy sports car may be enticing, it will almost certainly come with a higher insurance rate.  An easy way to save money is to drive a safe car.

Have A Clean Driving Record

The safer you drive, the better your rate will be.  Insurers like safe drivers who make smart decisions on the road.  A poor record means your insurance company is more likely to have to pay out due to an accident you caused.  Follow the rules of the road and you will benefit from your insurance policy.

Combine Policies

If you receive insurance from a company that does more than just car insurance, you can most likely combine your policies for a better rate.  Putting home, auto, and life insurance together as well as combining auto if you have more than one vehicle can save you money.

Compare Rates

Of course, to further ensure that you are getting a great price you can compare rates from a variety of insurers.  ABCO can help you do this by comparing rates for you.  Peace of mind will help you ensure that you are getting a great rate.

If you are in the market for car insurance in South Jersey, ABCO is here to help.  Contact one of our talented specialists today to talk about getting a great rate on your policy today!

Car Insurance South Jersey – Learn more HERE.

Finding The Best New Jersey Home Insurance Companies For You

Insurance is a necessity for all homeowners, but finding the right insurance for your home can be an extremely daunting task.  With so many companies to choose from, how can you know that you are getting the best insurance for the best price?  Wouldn’t it be nice to take the guess work out of it?  ABCO Insurance Agency can help.

We Compare Rates For You

Who better to walk you through the twists and turns of the insurance world than a professional agent?  While most insurance agencies only carry a handful of insurance companies, we broken for dozens.  Because of this we can get you quotes from 25 different companies in no time.  From there we can help you narrow down your options based on your needs.

Get Expert Advice On What You Need From Your Insurance

It can sometimes be a bit difficult to know how much insurance is right for you, but by talking to a professional agent you can gain important perspective on your policy.  They can help you find ways to save money and can guide you towards specific policy additions that may be better suited to your needs.  Insurance needs can differ based on the age of your property, how many buildings are on your property, swimming pools and outdoor equipment, and more.

Get New Jersey Home Insurance from the trusted team at ABCO Insurance Agency.  We can help you find your perfect policy and get you a variety of quotes.  Call us today for more information!

Learn more about the best New Jersey home insurance HERE.

Restaurant Liability Insurance – Keeping Your Restaurant Safe From A Variety Of Claims

When you own a restaurant you open your business to the public every day.  Even if you offer a safe and clean environment, accidents can happen.  Because of this, restaurant liability insurance was created.  This coverage is specifically tailored to restaurants and their most common claims.  Wondering what kind of coverage restaurant liability covers?  Here are the basics you should know:

Property Damage – While you might think that your patrons are more likely to cause damage to your property than the other way around, there are instances where you may damage their belongings.  For example, if a waiter or waitress trips and spills hot coffee on a patron’s laptop causing it to break you would be liable for replacing the laptop.  In a more extreme example, if your kitchen were to catch fire while patrons are in your restaurant and they lose belongings, you would be responsible for replacing their things.

Bodily Injury – If a patron is injured in your restaurant, this coverage will cover their claim.  Injuries can range from tripping on a step and falling, to food poisoning from their meal, to having a hot beverage spilled on them by a clumsy waiter.  Because there are many ways for a patron to injure themselves in your restaurant, this is extremely important coverage to have.

Medical Expenses – If one of your patrons or staff is injured resulting in medical bills or continued medical expenses you may be asked to pay out.  Since your regular coverage may not cover the full amount requested by the injured party, you can consider an umbrella policy that offers more coverage for medical expenses.  This coverage is recommended to ensure that you are covered for whatever comes down the line.

Liquor Liability – If your restaurant serves liquor it is important to carry coverage for claims related to it.  If you do not serve alcohol, it isn’t necessary for your business.  Liquor liability will offer you coverage should one of your patrons suffer an injury in an impaired state or should they cause an injury to another due to their impairment.  This can include everything starting a fight with another patron or employee to drunk driving.  It is important to keep tabs on all drinking patrons to avoid issues like these, but it is imperative to have coverage for your restaurant if you serve liquor just in case.

Personal and Advertising Injuries – You might not think you can cause an injury with your ad campaign, but competitors can file a claim against you if they feel you are attacking their restaurant or are falsely advertising your business.  This can include ads that attack other restaurants, ads that refer to your restaurant as “the best” without backing, leaving false negative reviews online, and more.  Ideally you won’t attack your competition, but should they ever see your ad campaign as damaging to their business they can take you to court.  This coverage will cover legal fees and expenses related to the claim.

When you need restaurant liability insurance in NJ look no further than ABCO Insurance Agency.  We can get you more than 25 quotes to save you time and money.  Call today to talk to one of our friendly representatives.

Learn more about Restaurant Liability Insurance HERE.

Small Business Insurance New Jersey – Covering Your Business For The Road Ahead

It is the American dream to own your own business, but with that dream comes a huge responsibility to your customers and employees.  Accidents can happen, and natural disasters can strike.  Landlord can neglect property issues and local youth can break your window.  You need coverage to keep your dream alive.  Here are some important things to consider when it comes to small business insurance in New Jersey:

You Should Carry Coverage Tailored To Your Business

Not every small business needs a Cadillac insurance plan, but it is important to cover all of your needs should anything negative ever affect your business.  After all, a lawsuit or serious property damage can cost you a huge sum of money, and without coverage could bankrupt your business.  Avoid these issues with quality insurance that meets all of your needs.  You should always consider liability coverage should you ever face legal action, property coverage for accidents or costly repairs, employee coverage should one of your employees ever suffer an injury on your property, and natural disaster coverage should you ever need to shut down your business due to severe weather damage.

The More Coverage The Merrier

While it is understandable that you wouldn’t want to waste money on coverage you will never use, you are better off with too much coverage than too little.  While you may get lucky and never need to call on your insurance for a claim, it is a huge risk to take.  Your insurance provider can help steer you to the coverage that best fits your business.  For example, an office that has very few customers on property may need less coverage than a retail store with lots of foot traffic.  Know what you are most likely to face and get overage accordingly.  Not sure if something is covered under your policy?  Ask and your insurer will tell you.  If you need more insurance coverage, they will help you find an ideal plan.

If You Rent, Make Sure You Know What Is Your Responsibility And What Is Your Landlord’s

It is fairly common for renters and landlords alike to misunderstand their duties for keeping a property clean and safe.  Because of this issues can fall through the cracks, and if someone is injured it can be confusing as to who is at fault.  If you rent a property make sure you review you responsibilities according to your contract.  Make sure the liability issues that are your responsibility are always covered on the property.  If you see an issue that your landlord should fix make sure to alert them, and it is best to put this information in writing.  Therefore, if an accident should occur you have proof that you alerted the property owner when the issue was noticed and that nothing was done.

If you need small business insurance in NJ, contact ABCO Insurance Agency.  We offer competitive rates and can get you quotes from over 35 companies.  Call us today for more information!

Learn more about Small Business Insurance HERE.

Jewelry Insurance New Jersey – Insuring Your Valuables As Part Of Your Property

A common question when it comes to homeowners insurance is whether or not it covers valuables in your home.  Depending on your home insurance, some property may be covered as part of your regular policy.  When it comes to collectibles, art and jewelry insurance things get trickier and you often need to extend your insurance to accommodate them.

Let’s face it, for most people the most valuable thing in their home may be an expensive appliance or electronic.  These items often come with a warrantee and are a little bit easier to assess with a homeowners policy since they are common place in the home.  An expensive painting or a piece of jewelry, however, is not so easy to assess.  Values can be hard to determine and the market will often fluctuate.  If you are looking to have a jewelry insurance you should consider the following:

The Value Of Your Objects Will Fluctuate

Naturally what is hot one year may not be so hot another, which is why the value of antiques and jewelry will always fluctuate.  Because of this it is important to have your valuables appraised for insurance purposes every few years.  As the value of precious stones and metals has fluctuated a lot in the past decade, this proves the point that frequent appraisals will help you get the amount you deserve should your jewelry be lost, damages, or stolen.

It Is Important To Keep Detailed Records Of Your Collection

It is important to keep a record of your pieces to ensure that they are identifiable should they be lost, damaged, or stolen.  A stolen piece will be easier to identify if you have a photo and a description of the size, color, and any unique features to the piece.  A photo can also help identify a piece of jewelry should it be damaged in a fire.  If certain characteristics remain, the identity of the piece can be proven to the insurance company as lost in the fire.

Make Your Insurance Company Aware Of Changes

If your collection is always growing or changing it is important to be aware that your coverage will not change unless you make your insurance provider aware of the new additions to your collection.  Conversely if you sell a piece of jewelry that you currently insure, you may end up paying for insurance on something you don’t even own anymore if you do not update your insurance.  If you do not keep your insurance up-to-date you may get a rude awakening if you ever need to collect your insurance.

If you are looking to cover your homeowner and your valuables, call ABCO Insurance Agency today.  We can help you get multiple rate quotes to save you time and money.  Call now!

Learn more about Umbrella Insurance HERE.

Commercial Flood Insurance NJ – Covering Your Commercial Property for All Potential Disasters

It is fairly common knowledge that most home and business policies don’t cover flood insurance.  While some coastal areas require all homes and businesses to get flood insurance, this is not the case everywhere.  Since NJ has bodies of water on the eastern, western, and southern sides of the state, it is important for all New Jersey business to be aware of their commercial flood insurance options.  Not having commercial flood insurance could cost them dearly otherwise!

Obvious Reasons to Carry Commercial Flood Insurance

Obviously, if your business is situated by a body of water that could flood in a large storm or with heavy rain fall, it is important to carry flood insurance on your property.  Just a little bit of water can cause a lot of problems for any business owner.  With only a few inches of water throughout the property you could suffer the following:

  • Deadly mold can grow in walls requiring you to evacuate all employees and have all infected walls replaced. This is common in drywall that has seen flood damage.
  • Carpet can be ruined by mold and water, forcing it to be replaced.
  • Hardwood will warp and be ruined by water damage. This will require it to be completely replaced.
  • Machinery can rust or sustain serious damage forcing it to become unsafe and require replacement.
  • Merchandise or client owned objects or vehicles can be ruined and require replacing.
  • Structures can be compromised and the property can be deemed unsafe to work in.

If you have commercial property near water you need extensive flood coverage for all of the above reasons.  Otherwise you will be stuck paying out of pocket to fix the damage, which could cost more than most businesses can afford.

Other Reasons to Consider Flood Insurance

Businesses near water are not the only businesses susceptible to flood damage.  If you have a business that is on land that is low or below sea level, it may be more susceptible to flood damage.  Basements are also known to flood, and business policies may or may not cover the damage depending.  If your policy doesn’t cover it, it is important to have flood coverage.  Another reason to consider flood coverage is proximity to water towers and industrial plants that may hold large amounts of water for energy or town consumption.  If these were to burst and leak large amounts of water on your business, you may be covering the cost of damage all by yourself.

If you are looking for commercial flood insurance in NJ, look no further than ABCO Insurance Agency.  We offer competitive rates on excellent coverage.  Call today for more information!

Learn More About Commercial Flood Insurance HERE.

Auto Insurance South Jersey – Getting the Right Coverage for You

If you are looking for auto insurance in South Jersey, you know that it is important to find the right policy.  You want to be covered and safe whatever comes down the road of life.  Because of this it is important to get the best coverage you can for a reasonable price.  When looking for auto insurance, what can you do to get the right coverage for you?

Know How Much Coverage You Need – How much you drive, the distance you drive, and other safety and hazard factors with your vehicle can help determine what kind of coverage is best for you.  Local drivers who hardly put miles on their cars may require less coverage than a highway driver with an hour long commute.  Your insurance agent can help you make smart decisions with your coverage to make sure you have the proper insurance should you have an accident.

Compare Rates – It is important to compare rates to find the best quote for the money.  Luckily, ABCO Insurance agency can offer you rate comparisons for multiple top companies within minutes when you call for a quote.  This will help you find great coverage for a great price.

Talk to A Knowledgeable Agent – A good insurance agent can help steer you to the best coverage for the money.  While comparing rates, ABCO’s agents can help answer your questions and steer you to a great rate for the right amount of coverage for you.

Call ABCO today for help finding Auto Insurance in South Jersey.  We can help you find a great rate today!  Call now.

Learn more about Auto Insurance in South Jersey HERE.