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Rock Insurance
Agency Inc

142 Route 70
Medford, NJ 08055

Rock Insurance Agency Blog

Does Commercial Insurance Cover Vehicles?

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Commercial insurance is a must for business owners in Medford, NJ, and the Tri-State area. Many businesses are legally required to obtain insurance to protect their company and employees and cover damages.

What Is Commercial Insurance?

Commercial insurance is an umbrella term used to describe the types of insurance business owners carry to protect themselves. Commercial property insurance, also called business property insurance, covers damages to the business caused by theft, natural disasters, and accidents.

Liability insurance covers lawsuits, such as product lawsuits and personal injury lawsuits. Business interruption insurance covers business owners’ losses if the business cannot operate due to a flood, burst pipe, or other situation. Some policies may also cover vehicles.

Vehicles On The Lot

Commercial insurance can cover damages to a vehicle on the business’s property in several cases. For example, if a company vehicle is vandalized during closed hours and parked in the parking lot.

However, this depends on the policy. Some commercial policies explicitly exclude commercial vehicles, making obtaining commercial auto insurance and contacting Rock Insurance Services essential if you have questions.

Commercial Auto Insurance

To protect vehicles, it’s best to obtain commercial auto insurance instead of standard commercial insurance. Many business owners are legally required to get commercial vehicle insurance for cars, trucks, vans, and other vehicles used for work purposes.

Car insurance will offer add-on coverage to provide additional protection. For example, many insurance companies offer comprehensive and collision coverage for commercial vehicles, just as they do for personal vehicles. Speak with your insurance company to ensure your vehicles have the necessary coverage.

It can be unclear whether a commercial policy includes vehicles on the business property. Some policies do, while others specifically exclude them. Contact an agent at Rock Insurance Services today to determine if you need commercial auto insurance. We currently serve the Medford, NJ, and Tri-State area.

Repair Decisions After a Car Accident

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If you’re a car owner in the State of New Jersey, you’re required to have auto insurance. You may have questions about minimum auto insurance requirements and provisions. Car owners in the Medford, NJ area can find answers to insurance questions from our team at Rock Insurance Services. We’ve been serving clients in the Tri-State area for over 21 years.

Repair Decisions After a Car Accident

According to the New Jersey Department of Banking & Insurance, after your insurance company has examined your car following an accident, they have several options. They can arrange to repair your car, replace your car, or reimburse you for the cash value of your car. In most cases, if your insurance company decides that car repair is the best option, they will provide you with a list of approved auto repair shops. They can also recommend a car rental agency if your insurance policy includes a car rental clause.

Some people might be surprised to learn that their insurance company isn’t obligated to require the use of new auto parts when their car is being repaired. The guidelines of many car insurance policies require only that the vehicle be returned to its condition before the accident. If you prefer newer auto parts, you can request the garage use them, but you would have to pay the difference in price.

Call Us Today for Your Appointment

Whether you’ve recently had an auto accident or need to add a new car to your policy, you can find assistance at Rock Insurance Services. Clients in the Medford, NJ area will find us prepared to answer your insurance questions. All our agents are dedicated to providing excellent customer service. Call us for an appointment today, and let’s talk about your insurance needs.

Does Home Insurance Cover Dog Bites?

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Responsible dog owners always strive to ensure the safety of their dogs, family members, and guests. However, dogs can sometimes be unpredictable and may bite. This potential risk makes it crucial for homeowners to understand whether their home insurance covers dog bites. Contact Rock Insurance Services, serving Medford, NJ, and the Tri-State area for more information.

In New Jersey, many home insurance policies cover dog bites. If your dog bites someone, this coverage could extend to medical expenses, related personal property damage (like damaged clothing), and even legal fees resulting from the incident. The policy will specify the associated limits. However, it’s important to be aware that there are typically certain restrictions, including:

Breed Restrictions

Some insurance companies may exclude certain breeds they consider high-risk, such as Pit Bulls or Rottweilers. Others evaluate individual dogs based on behavior rather than breed. It’s crucial to consult with your insurer to understand their specific policies regarding dog breeds.

History of Previous Incidents

If your dog has a history of biting or aggressive behavior, your insurer might increase premiums, exclude the dog from coverage, or even decline to renew your policy. It’s essential to fully disclose your dog’s history to ensure appropriate coverage and prevent future valid claims from being denied due to non-disclosure.

Policy Limitations

It’s important to note that home insurance policies typically don’t cover injuries to you or members of your household caused by your own dog. Coverage usually applies to injuries sustained by guests or third parties, such as visitors to your home or delivery personnel on your property.

Don’t make assumptions about whether dog bites are covered or not. Instead, reach out to your insurance representative at Rock Insurance Services, serving Medford, NJ, and the Tri-State area.

Do You Have a Home Occupation? Then Here’s Why You Need Home-Based Business Insurance

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As a small business owner, you might think that additional insurance, like home-based business insurance, isn’t necessary. However, this couldn’t be further from the truth. Here are a few reasons you need this policy with a home occupation.

Lost Income

Even if you work from home, you risk having events prevent you from working. When this happens, you suffer a loss of income that can be restored with the help of home-based business insurance. If you can’t restore your lost income, this could impact your business and prevent it from reaching the operational standards it needs.

Professional Liability

Even when working out of your home, you advertise services and goods and are expected to maintain these interactions professionally. Suppose you’re caught in court for defamation, slander, or other professional damage that could impact competitors and found guilty. In that case, you must have a way to pay those damages. Otherwise, you’ll be forced to pay with your business or even personal assets.

Data Breaches

Working in a home-based business means that you are likely utilizing a lot of the Internet and technological services to access customer information. A home-based business will also focus on cyber protection, especially during data breaches.

Asset Protection

As a home-based business, you are likely the only person working in your business. Therefore, your home and business assets are up for grabs should you be found guilty in court for damages. With home-based business insurance, the liability policy will cover any damages suffered due to your services or products and protect your personal assets from being frozen and used to pay off the debt.

If you live in the Tri-State area, including Medford, NJ, or other areas, contact Rock Insurance Services today for a personal quote.

How RV Insurance Protects Your Vehicle and More

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When you own an RV, it’s important to have the correct insurance for it. There are a lot of risks that RVs face, and every RV has to be covered by insurance by law. When you buy an RV, it’s time to get insurance for it. RV insurance works slightly differently from auto insurance, though it has several similarities. We serve the Tri-State area if you’re buying an RV and need insurance or you already have RV insurance and want to change your policy. Give us a call at Rock Insurance Services in Medford, NJ.

Types of Coverage

An RV is slightly different from a regular vehicle because it doesn’t have all the personal possessions in it. An RV insurance policy takes some elements of auto insurance and mixes them with some elements of home insurance. Your RV policy will cover personal possessions inside and any equipment you have in it. You also need to have coverage for bodily injury liability and property damage liability. There’s more to an RV than an ordinary car, and your insurance must reflect those differences.

Other Coverage

Other types of coverage that you may need include comprehensive and collision insurance policies. These are there to protect you against the damage that can happen to your RV both while it’s on the road and while it’s parked. Comprehensive coverage covers it when it isn’t on the road. Collision coverage protects you from the damage that can happen to your own vehicle in an accident.

Get RV Insurance in Medford!

When you need RV insurance, we’re here to help you. We serve the Tri-State area with the insurance you need. Call us at Rock Insurance Services in Medford, NJ to get started.

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.

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

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