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Rock Insurance
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142 Route 70
Medford, NJ 08055

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Home Insurance and Work-From-Home Businesses

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Whether your work-from-home business is a full-time, part-time, or just a side gig, most business owners acquire supplies and office electronics to run the business. Many companies also require inventory, office furniture, or other tools and equipment, so it is essential to recognize that most home insurance policies provide minimal coverage for work-related assets. Most businesses need commercial insurance coverage. If you live in Medford, NJ, or the Tri-State area, consider contacting the Rock Insurance Services team to create a home and business insurance plan.

Understanding Home Insurance and Working from Home

Home insurance policies cover personal assets, not financial and legally separate business assets. The typical home policy covers only $2,500 in business assets, so if you have business assets worth more than that, you should consider a separate commercial insurance policy. Commercial insurance policies also cover business liabilities and other issues your business may need.

Home-based businesses that are limited in scope may need only a rider or business property endorsement added to your home policy. Riders commonly double your business asset coverage over the base home policy.

More substantial businesses can use in-home business insurance, designed for companies with some employees and revenues below $250,000. In-home policies generally offer essential property, liability, and other commercial insurance elements most businesses need.

For businesses with more than $250,000 in revenues, a Business Owner’s Policy (BOP) may be appropriate. BOPs bundle the core elements of the in-home policy plus Workers’ Compensation and liability coverage for colleagues or customers at your residence.

Working with Rock Insurance Services

The Rock Insurance Services team proudly serves homeowners and businesses in Medford, NJ, and communities in the Tri-State area. Call (609) 382-0100 to schedule an appointment. We will work with you to determine the best coverage combination for your business.

Building Your Commercial Insurance Policy

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At Rock Insurance Services, we understand that every business in the Tri-State area, including Medford, NJ, has unique requirements. That’s why, when it comes to commercial insurance, we take a personalized approach to help you tailor a policy that addresses your specific needs.

The Varied Landscape of Commercial Insurance

Commercial insurance encompasses several types of coverage, including boiler insurance, inventory coverage, and glass insurance. The coverage your business needs depends on its structure and location. Certain insurance coverages are tied to the physical attributes of your business premises. For instance, if your building houses vast plate glass windows or multiple mirrors— as in retail stores or ballet schools— then your commercial policy should embrace glass coverage.

Every business that welcomes customer traffic at its premises needs liability insurance. Businesses in the medical and legal sectors require malpractice coverage. Companies like pizza shops or bakeries that deliver their products need commercial auto coverage, as would a dentist operating a mobile practice.

Workers’ compensation coverage might be necessary based on the size of your workforce in Medford, NJ. Businesses with sizable potential liabilities could benefit from umbrella coverage added to their business liability coverage. Home-based consultants may need a home-business endorsement to their existing policy.

Schedule an Insurance Review

Contact us at Rock Insurance Services to discover the precise coverage your Tri-State business requires. We’ll conduct an intensive review of your company to understand its potential risks and insurance needs. Our comprehensive assessment procedure ensures that your company receives the ideal coverage mix. Scheduling a review with an insurance agent can help you ascertain the coverage your company requires.

Does Auto Insurance Cover Classic and Exotic Cars?

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Exotic and antique car enthusiasts in the tri-state area might wonder whether our standard auto insurance policies offer adequate protection for their collection. Rock Insurance Services caters to a diverse breed of car owners in Medford, NJ, and the tri-state area. When you’re seeking auto coverage, you might be surprised to discover that more than one type of auto insurance exists. Although numerous car owners believe there’s only one kind of car insurance, in reality, varied kinds of car insurance serve different requirements.

Does Auto Insurance Cover Classic and Exotic Cars?

Generally, standard auto insurance policies do not include cover for classic and exotic cars. Since these cars are of greater value than your average vehicle and may necessitate added coverage like spare parts coverage, a regular auto insurance policy wouldn’t be the right fit. Most antique and exotic car holders also own a primary vehicle they use for regular commutes. If you possess a standard vehicle that isn’t classic or exotic, we can assist you in covering that vehicle through an auto insurance policy.

When you own more than one car, it’s critical to ensure they’re all covered. Neglecting to cover your vehicles can have grave consequences if you’re implicated in an accident deemed your fault or if one of your vehicles is stolen. It’s always advisable to acquire an appropriate amount of coverage from classic cars to regular vehicles. Investing in protection can help you maintain peace of mind when faced with adversity and be reassured that you can manage whatever life envisions for you and your car.

Contact us at Rock Insurance Services, which serves Medford, NJ, and the tri-state area, for more info.

Reasons To Get Homeowners Insurance If You Don’t Have It

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The homeowner’s insurance policy provides a multitude of protections for homeowners. While some homeowners opt for insurance because their mortgage lender requires it, having a home insurance policy is still wise even without such obligations. At Rock Insurance Services, serving Medford, NJ, and the Tri-State area, we can assist you in procuring a home insurance policy that can come to your aid in the event of a covered occurrence. Below are three reasons why you should consider getting home insurance, even if it’s not required.

1. Homeowners Insurance Limits Your Financial Risk

Home insurance pays for repairing your home or replacing your possessions when a covered event occurs. Upon filing a claim against your home insurance, your responsibility extends to the payment of the deductible. After that, your home insurance policy will shoulder the rest of the costs up to the limits specified in your policy.

2. Homeowners Insurance Provides Peace of Mind

The recovery period following a disaster such as a fire can be lengthy and strenuous, especially if you lack the funds to pay for the needed repairs. Securing a home insurance policy can expedite the recovery process. The assurance that your home insurance will assist in covering the repair costs can make the entire process more manageable.

3. Homeowners Insurance Can Help You Recover After a Disaster

Recovering from a substantial disaster such as a fire can be prolonged, especially if there aren’t enough funds for the repairs. A solid home insurance policy can make recovery faster and easier. Knowing that your home insurance can assist in covering costs can ease the process considerably.

If you’re interested in home insurance, contact Rock Insurance Services, servicing Medford, NJ, and the Tri-State area. We’re here to help.

Commercial Reroofing – Insurance Coverage Guidelines

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Installing a new roof on your place of business is a major project. You stand to protect your investment from the elements, theft, and damage. The adequate insurance will cover the cost of repairing or replacing any damaged or lost roofing materials.

Materials

It’s a good idea to compare roofing materials that are of interest. Throughout this process, you will familiarize yourself with the properties of various roofing components. Use this knowledge to help you choose a roof design that fits within your budget.

Remember, the roofing materials you select will need to be suited to the region in which your business is located. Choosing durable materials capable of withstanding a wide range of weather will prevent unexpected damage.

Details

Be sure to record details about the new commercial roofing system you decide to install on your property. These details should include a breakdown of the materials used in roof design. Refer to these records when conveying information about the new roof to an insurance agent.

Review

Take the time to review commercial insurance products, including add-on insurance. A thorough review will help you select the products that will provide your new commercial roof with the protection it needs and deserves.

Protection

Adopt some standard procedures to preserve the condition of your rooftop. Trim branches that are hanging down near the rooftop. Apply a sealant to roofing materials that are exposed. These simple measures can prevent premature damage to your roofing materials.

Contact Rock Insurance Services

Contact an agent from Rock Insurance Services. One of our agents who serves Medford, NJ, and the Tri-State region will assist you with acquiring protection for your new roofing system.

Hit the Road with Confidence: Understanding Auto Insurance in Medford, NJ with Rock Insurance Services

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In order to hit the road with full confidence, Medford, NJ residents need to consult with the experts at Rock Insurance Services. Tri-State motorists will need to ensure that they are taking all of the proper steps, and this guide truly comes in handy. To learn more about your potential auto insurance policy, take a moment to check out the following tips and pointers.

The Dealership Is Not Your Friend

Motorists will often make the mistake of assuming that the dealership is going to be taking care of the paperwork on their behalf. It is not their responsibility; their staff will be too busy to worry about your personal insurance policy. Don’t assume you are good to go because they glanced at your insurance card before leaving the lot.

Understand Your Needs

While it is perfectly acceptable to consult with friends and loved ones before choosing a policy, it is important to note that their needs will likely drastically differ from yours. How much does your car cost? What coverage is best for you? Do you have a strong understanding of the necessary deductibles? These are all questions that will have to be answered.

Discuss Gap Insurance

Motorists who owe more than their vehicle is worth will need to consider the benefits of gap insurance strongly. This is especially pivotal since vehicles depreciate in value as soon as they are driven off the dealership lot. If an accident occurs, the motorist is left spending heavily to cover the gap between the car’s worth and what they still owe on it.

Once Tri-State motorists are ready to get started, Rock Insurance Services is here to help. Residents of the Medford, NJ area are urged to contact our team of professionals as soon as possible. Give us a call or stop by today so that you can learn more about the policies that are currently available to you.

Remodeling your home? Be sure to check your insurance policy first

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Rock Insurance Services is proud to serve homeowners’ insurance needs in Medford, NJ, and the greater Tri-State area. Home improvements are often a significant undertaking. Let our team help you make sure you’ve got the coverage you need before you get started. Our team is here to help you with all your insurance needs, whatever they might be. Call or stop by today!

A major remodel might change your homeowner’s insurance needs

Our homes are typically the largest financial investment that we’ll make in our lives. As your family grows and changes, you might find that a major renovation project is necessary to meet your changing needs. Before you embark on such an enormous undertaking, it’s important to closely examine your current homeowner’s policy to ensure that it provides the coverage you’ll need during your project.

After the work is completed, it might be necessary to make adjustments to your current policy to provide coverage for your newly transformed home needs. Fortunately, sitting down with your local insurance agent can help you confirm that you have the coverage you need both during the renovation project and afterward, too. 

Taking the time to review your policy and make any necessary changes before the project begins can save you a lot of headaches in the future. Contact our team today.

Now’s the time to get to know our team!

If you’re a homeowner in Medford, NJ, or the Tri-State area, you’ll want to get to know the team at Rock Insurance Services. We’re here to help you protect your home, auto, and life. Give us a call or come by our office today to find out more about our comprehensive insurance services!

Make Sure You Have the Right Commercial Insurance Coverage

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Commercial insurance is critical if you operate a business so you can protect your inventory, equipment, and other assets. If you’re in the Medford, NJ area or anywhere throughout the Tri-State area, Rock Insurance Services is here to help you get the right policy for your needs. You don’t have to try to figure out your company’s insurance requirements on your own when you have trusted and dedicated agents who can help.

We understand that every company has different needs, depending on its industry, size, and other factors. Whether you’re just starting out, have insurance questions, or are established and looking to update your policy, we can help. Our agents can provide you with quotes from multiple insurers who handle coverage for your type of business. That way, you can choose the policy that fits your needs and protects you more fully.

There’s no reason to settle for anything less than quality coverage from a trusted insurance professional. Then, you can have more peace of mind and confidence in the protection your business has, both now and in the future. We can review your needs and find you a policy that works or help you make updates to the one you already have. Either way, we’re here for you and your business’ coverage needs.

Contact us at Rock Insurance Services today if you’re in the Medford, NJ, area or anywhere in the Tri-State area. We know how valuable it is to protect your business properly, and we’re dedicated to making sure you have the best policy for your company. That lets you focus on other areas of your business that need your attention so you can continue to grow.

Protection for You and Your Vehicle

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Understanding Auto Insurance Coverage for Accidents

Whether you’re involved in a minor fender-bender or a major collision that totals your car, auto accidents can be a major inconvenience. Thankfully, for drivers in Medford, NJ, and the broader Tri-State area, auto insurance coverage is available to handle large and small inconveniences alike. If you’re seeking auto insurance solutions tailored to you and your vehicle’s needs, look no further than the seasoned, customer-centric team at Rock Insurance Services.

Auto Insurance Solutions Tailored for You and Your Vehicle

Dealing with an auto accident involves numerous moving parts and complex considerations. Preparing for these unexpected events is the best strategy to manage them effectively. At the same time, we all hope never to be involved in a car accident, whether minor or substantial; having the right insurance plan can provide peace of mind.

Auto accidents can result in a multitude of inconveniences, such as loss of vehicle use, costly repair bills, medical expenses, and more. However, with robust auto insurance coverage, you can prioritize recovering and returning to normal life post-accident, confident that your car’s needs will be addressed.

Are You Adequately Covered?

Still unsure about your auto insurance coverage? Looking for a comprehensive plan that safeguards you and your vehicle adequately? Our experienced agents at Rock Insurance Services are readily available to answer your queries and explore different auto insurance options with you.

Get Your Auto Insurance Today

If you reside in the larger Tri-State area or Medford, NJ, and need auto insurance solutions, the team at Rock Insurance Services welcomes you. Discover how we can meet all your auto insurance requirements and ensure you and your car get the coverage you both deserve. Contact us today for reliable insurance solutions from Rock Insurance Services.

Essential Home Insurance Tips for the Tri-State Area

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Your most precious investments deserve to be protected at all times. At Rock Insurance Services, this is our primary objective. Medford, NJ residents who have purchased (or are in the process of purchasing) a home in the Tri-State region will need to make sure that they are taking the proper precautions. Thanks to this handy guide, this process has never been easier.

Assess Your Coverage Gaps

Each home is going to come with its own specific needs. If these needs are not addressed, a Tri-State homeowner will be left to handle whatever expenses arise as a direct result of their insufficient policy. That’s why taking the time to assess your coverage gaps is of the utmost importance. Don’t make the mistake of assuming that everything will be covered by a standard homeowners insurance policy.

Address Your High-Value Items

Medford, NJ, homeowners will often make the mistake of assuming that their high-value items are covered under a typical insurance policy. In reality, nothing could be further from the truth. If you have jewelry, high-end clothing, artwork, costly electronics, or any other items that could fit this type of description, they need to be discussed before a policy is established.

Liability Evaluation

Potential liabilities must be discussed in detail when it comes time to decide on a homeowners insurance policy. Let’s say that an accident takes place in your home. Under a standard homeowners insurance policy, you could be left exposed to a potential lawsuit. Be sure to assess any and all potential liabilities before making a final decision.

Schedule A Consultation Today

Medford, NJ residents who are looking to learn more are urged to contact Rock Insurance Services as soon as possible. We are here to assist all Tri-State homeowners so that they are able to steer clear of the usual issues and concerns that are bound to arise.

142 Route 70, Medford, NJ 08055 | Phone : 609-382-0100 | Fax : 856-432-8177 | Email : info@rock-ins.com

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