What is Trucking Insurance?

Trucking is a very lucrative business and with the right insurance policy, you and your drivers can be fully covered. Trucking insurance is varied and does have a wide range of coverages to choose from so that you can find the policy and trucking insurance type that works best for you. For those that live in the Linden, NJ area, the agents with Insurance Concierge can help you to get the coverage you need.

Trucking insurance is varied and can be on the truck itself, the driver, or can be somewhat like a normal auto policy that works to protect both. There is physical damage insurance that covers the truck itself and protects it in terms of repairing damage, there is also auto liability that covers the truck if it is in an accident, general liability that protects the truck, the driver and the contents, non-trucking liability, non-owned trailer damage, non-owned trailer liability, and so much more. You can also take out policies that protect your cargo, the terminal coverage, interchange, warehouse and more. Since all trucking companies and drivers are different, it is helpful to take the time to speak with an agent to see just what coverage is going to work best for you and best for your particular company.

Trucking insurance is something that can greatly improve the overall quality of your company and can help to make sure that both your drivers and your trucks and cargo are protected no matter what might happen. This is great coverage that is going to make a huge deal of difference when it comes to the safety of your drivers and the safety of your trucks and cargo. For those that live in the Linden, NJ area, the agents with Insurance Concierge can help you find the perfect coverage.  

New Vehicle? Tips for Buying Auto Insurance

An investment as valuable as a new vehicle deserves optimum protection in the form of auto insurance coverage. At Insurance Concierge in Linden, NJ, we offer customized auto insurance protection to correspond with your lifestyle, driving habits and value of your new vehicle. To fully protect your costly investment, consider the following full coverage options for your new vehicle:

Collision

Collision coverage protects you against accidents with other vehicles or objects like fences, trees, etc. when on the road. The more time you spend on the road, the greater your risk of having an accident, especially if you drive at night. If you accidentally crash into another vehicle, collision insurance helps cover the cost of repairing (or replacing) your new car so you don’t have to dip into your savings to pay repair costs.

Comprehensive

If your new car is stolen, vandalized or damaged by inclement weather (hail, wind, flood, etc.), comprehensive coverage will help pay for a repair or replacement costs. Comprehensive also covers damage caused by hitting an animal on the road. 

Liability

If you’re at fault for an accident that causes injuries or property damage to others, you can be held liable for damages. Liability insurance covers medical costs and/or lost wages of those who are injured and pays for damage to their vehicle. Liability insurance also covers your legal fees if you’re sued for damages. Ideally, your liability coverage should be sufficient to protect your assets in the event of a lawsuit.

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist insurance is additional coverage worth considering for new vehicle owners. This coverage pays for damage to your new car if you’re hit by a driver who has no insurance or insufficient insurance to cover these expenses.

To learn more about full auto insurance protection for your new vehicle, call or visit an Insurance Concierge agent in Linden, NJ today.

Does Your Dog-Sitting Service Need Commercial Insurance?

Pet sitters in Linden, NJ have many unique demands and career requirements that can be a challenge to maintain properly. Thankfully, at Insurance Concierge, we can get you the kind of great commercial insurance that you need to protect your business and your customers. 

Liability Insurance 

Dog sitting is usually not a dangerous or difficult task for most professionals. However, you may run into situations in which a dog gets injured or even killed while in your care. Thankfully, liability coverage will protect you and keep you from getting sued. While the dog owner may still sue you, this insurance will cover much of the damages. 

Vet Coverage 

There may come a time when a dog or a cat in your services may end up getting sick or suffering from an injury that you didn’t cause or which was triggered by the dog’s behavior. If the situation is an emergency – such as a broken leg or collapsed lung – you’ll need to utilize vet insurance coverage to help pay for these services. In this way, you don’t have to pay for their treatment out of your pocket.

Staff-Related Coverage Options 

When your pet-sitting business expands beyond you, and you hire a few workers, you need to expand your commercial insurance. For example, you need to get non-owned auto coverage to protect your employees and your customers. Employment practices liability coverage will also help you if your employees do anything that injures the dog or insults a customer. Worker’s compensation is also necessary if an employee gets bit by a dog or cat.

Get the Coverage You Need

As you can see, great commercial insurance for Linden, NJ pet sitters provides many unique benefits. So please contact us at Insurance Concierge today if you need help finding policies that meet your needs and which protect your pets as much as possible.

Home Insurance: Because Home is Supposed to be Safe

Home, it is where we sleep, eat, live, laugh, love, lose, cry, dream, and raise families. It really is everything, it is our sanctuary and safe harbor. There really are no greater reasons than these, to protect the place we call home. Protecting our safe haven means always having a place to feel safe, a place to call home. That is what home insurance is for and designed to do for the communities of Linden, NJ and our neighbors. That is also why the experienced and helpful agents of the Insurance Concierge are to do, to help you protect your home.

Big or Small Home is Still Home

Yes, in the world of insurance, size does matter. What doesn’t change, however, is the loss, the heartache and the stress of rebuilding. The good news is, it doesn’t matter if you have to insure a five bedroom, thirteen room estate on seven acres or a one bedroom rental home, protection and help is available. Of course, it will be more to cover more, but when it comes to keeping home safe, size doesn’t really count at all does it?

Linden, NJ is home to some of the most beautiful homes and is renown for its wonderfully designed communities that include rentals like townhomes and terrace loft apartments. A fire to a rental or a house can be devastating either way, help with personal losses and material possessions will help relieve some of the burdens. Some things can’t be replaced but for those things that can, there is insurance for that.

Find out what you can protect, what policies are right for you or just to shop rates. Insurance Concierge can help, contact us today to find out how.

Choices you make influence insurance rates

Liability car insurance coverage is required in New Jersey, as well as property and personal injury insurance. you also have to carry some insurance for underinsured, or non-insured motorists. Some of the life choices you make and certain lifestyles can affect your rates, making them higher or lower. The Insurance Concierge of Linden, NJ, can help you understand how it all works and get you the best coverage for your situation.

Your age is a primary consideration when rates are set. Adults in their middle years pay the lowest premiums and teenagers are the highest because of statistics showing accidents happen more often to teenagers. The person’s credit score is also important, and this can hurt teens as they often have no credit score at all.

The driving record of the person can also affect rates. if you have a lot of moving violations, your rates will be higher. Even if you are not at fault, having some accidents can also make your rates go higher. Being free of accidents for a certain amount of time will get you discounts.

The type of car is another consideration when rates are determined. A flashy expensive sports car is going to cost more than a standard sedan. Your occupation, whether you own your home, and whether you are a parent are also things that can affect your can insurance rates.

Stop by or call the Insurance Concierge in Linden, NJ today to find out more about car insurance and what you can do to improve your rates. You may also use our tool on our website to get a general idea of what your car insurance will cost. There are the basic liability requirements, and you may want to get comprehensive and collision coverage if you have a newer car or a car with a loan attached.

 

How Much Truck Insurance Do You Need?

Commercial insurance for vehicles is needed whether your business has one vehicle or a fleet, but many business owners may not realize that you can customize your policy to tailor to truck-specific coverages. Start with talking to an independent agent in the Linden, NJ area at Insurance Concierge. They will be able to offer you advice about what types of truck insurance your business will need.

What Coverage Will You Need?

First, you’ll need to start with the basic insurance coverages. Most vehicles will have collision and comprehensive damage coverage. Collision insurance protects you from excessive costs that may occur if one of your drivers is at fault in an accident. You can be covered if your employee causes damage to another vehicle. With comprehensive coverage, your insurance will cover the cost of damages that are caused by anything other than a vehicle accident, such as your truck hitting a tree or bumping into a fire hydrant.

Truck-Specific Insurance Coverage

When you find an insurance company that offers commercial insurance, make sure that you also have specialized truck insurance options.

  • Motor Truck Cargo – covers damage to the cargo as a result of loss, theft, a fire, or from a road hazard.

  • Motor Truck General Liability – for for-hire truckers who cause damage unrelated to the truck during business hours.

  • Non-Trucking Liability – coverage for you if you use your vehicle while off duty.

  • Rental Reimbursement with Downtime – helps when your vehicle needs repairs, but you still need to work.

  • Trailer Interchange – covers a trailer you’re towing which becomes damaged by vandalism, theft, fire, or collision.

Limits and deductibles vary. Allow the independent agents at Insurance Concierge help you decide. We’re located in Linden, NJ, so stop by or call for more information.

How to Protect Your Company From Liability

Running a business in Linden, NJ or the surrounding areas can be very rewarding, but it can also be hazardous. Anyone who owns and operates a business is putting themselves at risk of liability for a vast array of things. However, there are steps suggested by Insurance Concierge you can take to protect yourself and your company from lawsuits. 

Stay Well Insured

Commercial insurance is one of the best ways to avoid financially ruinous liability. Your insurance will protect you and your employees when things go wrong. If the property is damaged because of an employee, or if someone is hurt because of your good or service, then your insurance will cover the expenses that are incurred because of that. The same goes for incidents that may happen on your company’s property. Insurance is your first line of defense in protecting your company. 

Remain Professional

It is imperative today that you and your employees understand the importance of remaining professional at all times. What you say can be used against you. You as the employer can help your employees learn what is expected of them when they are interacting with customers and when they are representing the company in public. Training your employees in these matters will help discourage unprofessional behavior which could get your company in trouble. 

Separate Yourself From The Business

It is also helpful to make sure that you and the business are separate entities. This way, even if your company were to get hit with a lawsuit, it would not be personally held against you. This can make things somewhat easier in this situation. 

If you would like to learn more about how you can protect your business, please call our friendly staff today at Insurance Concierge in Linden, NJ. Our staff will be happy to talk to you. 

Home Insurance can Help You Recover after Winter Storm Damage

It is the day after the big blizzard that blew through Linden, NJ and you have a tree through your roof or perhaps damage to the siding and windows. At Insurance Concierge, we just want to remind you that your home insurance will help you work your way through this troubling time. Let’s start with what you should do as soon as the damage is noticed.

Family Comes First

First of all, determine if your home is safe for you and your family to remain inside until repairs are completed. Check your gas lines, water, and electricity. If the heat is out or there is an unstable structure, take your entire family to a safe location–whether that is a hotel or a friend’s house.

Make the Call

Now, it’s time to get to work. Give your home insurance agent a call and open a claim. This will start the ball rolling by dispatching an adjuster to the home to help you get reimbursed for the extra expenses incurred while you cannot live in your home. We may have a recommended disaster abatement team that can help to secure your home and protect your belongings while repairs are scheduled and completed. 

Protect Your Investment

Now that the first shock is over, take a look and see what can be done to prevent further damage from occurring. Hire a storage pod for furniture, get a sump pump going for the water in the basement or start removing fallen branches that are threatening your home. You might be surprised at what can be salvaged.

Remember, at Insurance Concierge we have a wealth of local Linden, NJ resources at your disposal in times of crisis. Pick up the phone, give us a ring, and get your life headed back in the right direction. 

Auto Insurance Myths

When getting an auto policy in Linden, NJ, you need to understand factors that could affect coverage and cost of insurance. There is a lot of information out there that isn’t necessarily true, as seen in these myths.

Myth 1: Color Affects the Price

While an auto policy can be affected by many factors, including make, model, body type, the overall safety record of the car, and age of the car, color is not one of the factors. Insurance companies will also look at the driving record and credit history of the driver.

Myth 2: You Only Need the Minimum Liability Insurance Required

If you only have the minimum liability insurance required, then your car isn’t covered at all in the event of an accident. The liability coverage only pays for injuries and damages that occur to others, and paying out of pocket for these costs can be expensive. An agent at Insurance Concierge can help you come up with a policy that gives you additional coverage, while still staying in your budget.

Myth 3: Insurance Will Cover if Your Car Is Stolen, Vandalized, or Damaged by Weather

Unless you have a comprehensive and collision policy, then you won’t have coverage for any damage to your car.

Myth 4: If Someone Else Drives Your Car, His or Her Auto Insurance Will Cover Damages

Usually, the car owner’s insurance is the primary insurance, and he or she has to pay for damages for an accident. The person you let drive your car may also not have adequate coverage.

Myth 5: Premiums Rise As You Get Older

Some believe that because older drivers are more likely to get into a crash, due to poor eyesight or slower reflexes, they get charged higher rates. However, most drivers over 55 can qualify for insurance discounts.

Contact Insurance Concierge, serving Linden NJ, to get a quote on auto insurance. 

 

3 Things to Consider When Buying a Used Semi-Truck

Buying a semi-truck in Linden, NJ is never simple, especially when you are on a tight budget and want to buy used. One of the best things about buying used is that you can save a lot of money and you can get a variety of accessories that you may not otherwise be able to afford. It is important to keep in mind that when buying a used semi-truck you can’t be enticed to buy only because of the cost. Here are three things to keep in mind when buying used semi-trucks.

Know Your Budget

Before you even begin your search for a used semi-truck, it is essential that you know what your budget is and be prepared to stick to it. Do not be tempted to spend a couple of thousand more on something that you won’t be able to afford. The point of setting a budget is to determine what type of payment you can comfortably afford, and if you do your homework, there is no reason to increase the price you will pay. When creating your budget, keep in mind that along with your payment for the semi-truck, you will also need to include fuel, maintenance, and the cost of your trucking insurance with insurance concierge.

Consider the Mileage

A used semi-truck will understandably have more miles than a brand new semi, but how many miles are too high? Semi-trucks are designed to run for hundreds of thousands of miles, so don’t turn your back on a truck that has close to 400,000 miles. However, if there are more than 500,000, be sure to ask for detailed service records and have it inspected by a professional mechanic.

What Will You be Hauling?

The type of loads you will be hauling has a significant impact on the type of semi-truck you should buy. For instance, will you need one with a reefer attached or one that is refrigerated? Knowing the kind of truck you need before you start searching for the best bargain will help narrow down your search.

Remember to do your homework before going to look at semi-trucks. Have a general idea of the make and model you are interested in and what the average price is for a used semi-truck.

Residents of Linden, NJ that are interested in learning more information about trucking insurance should contact Insurance Concierge.

 

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