Why an Umbrella Policy is Important for Your Summer Toys – Even When Summer Ends

| November 30, 2023

As summer comes to a close, it’s time to start thinking about storing your “summer toys” – the boat, the RV, the ATV, or the jet ski. But just because those toys won’t be used in the off season as much, it doesn’t mean that you shouldn’t consider an umbrella policy for them.

 

What is Umbrella Insurance?

An umbrella insurance policy provides extra liability coverage beyond the limits of your standard policies. It comes into play when the liability on your other policies, such as auto, home, or boat insurance, has been exhausted. This can be invaluable in the event of significant property damage, serious auto accidents, or lawsuits.

Why Umbrella Insurance is Crucial for Your Summer Toys

Your summer toys also introduce additional risks. There’s plenty of risks that come with using boats, motorcycles, and such – but there are also risks to consider when they are not being used. An umbrella policy can come into play if your summer toy causes damage while being transported to a storage facility or while it is being stored.

Legal Liability Protection

If an accident leads to legal action, the costs can be staggering. Umbrella insurance can cover litigation costs, including attorneys’ fees, and it can protect your assets if you’re sued for damages. For the wide range of protection it offers, umbrella insurance is surprisingly affordable. For just a small addition to your annual insurance cost, you can gain significant peace of mind knowing you’re fully covered.

 

Summer toys can bring immense joy and create lasting memories. By adding an umbrella insurance policy, you ensure that an unexpected event won’t turn your joy into a financial burden. Protect yourself, your family, and your assets with this crucial coverage. Contact The Leigh Agency today to get started!

What The Leigh Agency Does When Determining A New Quote

| November 20, 2023

When you’re seeking an insurance quote, the process of determining the exact figures might seem like a mystery. At Leigh Agency, we value transparency and want our clients to understand our meticulous approach. So, let’s shed some light on how an independent insurance agency like ours crafts a tailored quote for you.

 

Understanding Your Needs

The first step to building a quote is to develop an understanding of your unique requirements. Whether it’s home, auto, health, or any other type of insurance, our goal is to really get the specifics of what you’re looking for. While it may seem like we ask a lot of questions, we’re doing so to ensure we get it right.

Gathering Essential Information

With your needs in mind, we then collect all the necessary details. For auto insurance, this could mean your vehicle’s make, model, and year. For homeowners insurance, details about your property, its value, and any potential vulnerabilities are essential.

Research and Comparisons

Being an independent insurance agency gives us an advantage. We have connections with multiple insurers, allowing us to shop around and compare policies. This ensures that we get the best coverage for you at the most competitive rates.

Customizing Your Quote

Insurance isn’t one-size-fits-all. Once we have a baseline quote, we dive deeper into any specific coverage add-ons or riders you may need. Our aim is to craft a policy that fits like a glove, protecting all areas of your life effectively. We’ll check if you qualify for any discounts, whether it’s bundling multiple policies, maintaining a great driving record, or any other available offers from the insurers.

Clear Communication

Once we have a tailored quote ready, we’ll help you understand each aspect of the coverage, the premiums, and any other associated costs or benefits. We’re here to answer any questions and guide you every step of the way.

 

Ready to experience the Leigh Agency difference? Reach out to us today, and let’s get started on crafting the perfect insurance policy for you!

How Independent Agents Can Help if Your Insurance Company Stops Writing Insurance in NJ

| November 10, 2023

Having your insurance company stop writing policies in New Jersey can be a stressful experience. However, an independent insurance agent can help. Here’s how independent agents can assist if you find yourself in this situation.

 

Access to Multiple Insurance Companies

One of the biggest benefits of working with independent agents is their access to multiple insurance companies. Unlike captive agents who represent a single insurer, independent agents can provide you with a wide range of options. They can help you find another reputable company offering insurance policies in New Jersey, ensuring a smooth transition.

Tailored Coverage

As your insurance needs may differ, independent agents take the time to understand your unique situation. They’ll guide you through the process of comparing policies from different providers and help tailor a plan that best fits your needs and budget.

Seamless Transition to New Insurance Policies

Navigating the insurance market alone can be complex. Independent agents help ease the transition by managing all aspects of the switch. They’ll facilitate the closure of your old policy and the start of your new one, ensuring there are no gaps in your coverage. Also, the relationship with an independent agent doesn’t end once you purchase a policy. They’ll continue to provide support– answering questions, assisting with claims, and reviewing your policy periodically to make sure it still meets your needs. Their ongoing advice can be invaluable as your situation evolves. And, because they work with multiple insurance companies, independent agents can often find you the best coverage at the most competitive price. They’ll compare quotes from different providers, helping you secure the best deal.

 

The sudden exit of your insurance company from the New Jersey market doesn’t have to mean chaos. With the independent agents at Leigh Agency, their expertise and access to multiple insurance providers can help you navigate this transition and find the right new policy for your needs in New Jersey. Give us a call today!

Why Home Based Businesses Need Specially Designed Insurance Policies

| October 30, 2023

In the age of remote work and entrepreneurial spirit, home-based businesses are booming. However, many owners overlook the importance of having the right insurance policy. It’s essential to understand that you need an individualized policy designed for your specific home-based business. Here are just a few reasons why.

 

Homeowners Policy Isn’t Enough

A standard homeowners insurance policy rarely provides coverage for business-related exposures. Business equipment, inventory, or liability for customers visiting your home office might not be covered. As a result, relying solely on your homeowner’s policy could leave significant gaps in your protection.

Unique Risks Require Unique Protection

Home-based businesses face unique risks that require unique coverage. These might include business interruption, data breaches, or professional liability. An insurance policy tailored to your home-based business can cover these specific risks, providing you with comprehensive protection.

Protect Business Assets

Specialized insurance policies for home-based businesses offer coverage for your business assets. This includes office equipment, inventory, and even accounts receivable. In the event of theft, fire, or other covered loss – your business won’t bear the financial burden alone.

The Need for Additional Liability Coverage

Inviting clients to your home office exposes your business to potential liability claims. If a client gets injured on your property, you could be held financially responsible. Home-based business insurance policies include liability coverage to protect against such accidents.

 

In the event of a loss, the success of your home-based business could depend on whether or not you have the proper insurance coverage. A policy specifically designed for home-based businesses provides the comprehensive coverage you need to protect your assets, manage liabilities, and ensure business continuity. The Leigh Agency is an independent agency that has a lot of experience with helping home based business owners get the coverage they need. Contact us today to get the right coverage for your home business.

What is E & O Insurance and Why Do Businesses Need It

| October 20, 2023

Navigating the complex landscape of business insurance can be daunting. A critical but often overlooked policy is Errors and Omissions (E & O) Insurance. Understanding what E & O Insurance is and why your business needs it is crucial to ensure comprehensive protection.

 

Understanding E & O Insurance

E & O Insurance, also known as Professional Liability Insurance, safeguards your business against claims made by clients for negligent actions or inadequate work. Essentially, it covers the costs associated with legal defense and potential settlements or judgments. This kind of coverage can be essential to protect the financial health and reputation of your business.

The Scope of E & O Insurance

Contrary to what many believe, E & O Insurance doesn’t exclusively cater to medical or legal professionals. It applies to any business providing services or advice, such as consulting firms, financial advisors, real estate agents, and even technology service providers. If your business’s service or advice fails to meet a client’s expectations, leading to financial loss, E & O Insurance provides the necessary coverage.

The Importance of E & O Insurance

In today’s litigious society, even the smallest error can trigger expensive lawsuits. Without E & O Insurance, businesses may find themselves financially vulnerable. This insurance policy offers peace of mind, allowing you to conduct business confidently, knowing that you are protected against potential client lawsuits.

When to Get E & O Insurance

The best time to get E & O Insurance is before your business provides services or advice. Remember, it’s not about anticipating making mistakes, but about protecting your business if an error or omission occurs. E & O insurance typically covers claims made during the policy period, regardless of when the alleged incident happened, as long as it’s after the policy’s retroactive date.

 

Ready to safeguard your business with comprehensive E & O Insurance? Contact Leigh Agency today for all your insurance needs. Let’s protect your business together!

The Pitfalls of Cutting Insurance Coverage During Economic Downturns: Insights from 33+ Years of Experience

| October 10, 2023

In times of economic uncertainty, it’s natural to look for ways to tighten your budget. One area people often consider cutting back on is insurance coverage. However, based on our 33+ years of experience at Leigh Agency, we strongly advise against this. Here’s why.

 

Increased Risk of Uncovered Losses

Insurance policies are designed to protect you from unexpected losses. During economic downturns, these unexpected events can have a particularly devastating impact. Reducing your coverage might save a few dollars now, but the potential cost of an uncovered loss could be financially disastrous.

Higher Premiums in the Long Run

Many people are unaware that reducing coverage or canceling policies can result in higher premiums in some cases. Insurers often provide discounts for continuous coverage and interruptions can lead to increased rates. Therefore, while you may save a bit in the short term, you could pay more in the long run. Instead, you should consider keeping your current level of coverage, but ask your agent for ways to cut costs that make more sense like reviewing your policy for additional discounts.

Difficulty in Reinstating Coverage

If you decide to cancel your insurance policy and then want to reinstate it later, you may find it is not as simple as it seems. You might face stricter underwriting requirements, or worse, you could be denied coverage entirely, especially if you’ve had a claim during the period of lapse.

Loss of Peace of Mind

Insurance isn’t just about financial protection; it’s also about peace of mind. Knowing that you’re covered in case of unexpected events can provide a sense of security during unstable times. Cutting back on coverage might add to your stress rather than alleviate it. Instead of reducing insurance coverage during difficult economic times, consider speaking to an experienced insurance agent. At Leigh Agency, we can help you review your current policies and identify potential areas for savings without sacrificing necessary coverage.

 

Concerned about your insurance costs during these challenging times? Contact Leigh Agency today, we can help.

How Independent Insurance Agents Help Homeowners Manage Increasing Rates

| September 30, 2023

With homeowners insurance rates rising, managing costs has become a significant concern for many. Here’s where the services of independent insurance agents come into play. Unlike ‘big box’ name brand agents, independent agents can provide tailored solutions to help homeowners navigate these increasing rates effectively.

 

Independent Agents: Your Personal Insurance Shopper

Unlike brand-specific agents, independent agents work with numerous insurance companies. This allows them to shop around on your behalf, comparing multiple policies to find the best coverage for your needs at the most competitive rates. It’s like having a personal shopper for your insurance needs, dedicated to finding you the best deal.

Comprehensive Understanding of the Market

Independent agents possess an extensive understanding of the insurance market. This knowledge includes which companies offer certain discounts or have more favorable rates for your specific situation. By working with an independent agent, you can leverage their experience to potentially save hundreds or even thousands of dollars on your homeowners insurance premium.

Customized Coverage

Every homeowner is unique, and so are their insurance needs. Independent agents understand this and work to find policies that best match your specific needs. They can help you customize your coverage to ensure you’re protected against the risks most relevant to you, often at a better rate than a one-size-fits-all policy from a big brand.

Ongoing Support and Advocacy

The benefits of working with independent agents extend beyond just finding the right policy. They provide ongoing support, reviewing your policies periodically to ensure they still offer the best coverage as your needs change. And if you ever need to file a claim, your independent agent will be there to guide you through the process.

 

At Leigh Agency, our independent agents are committed to providing personalized service to help you navigate the homeowners insurance landscape. Ready to explore how an independent insurance agent can help manage your insurance costs? Contact Leigh Agency today!

 

Tips to Think About as We Enter Hurricane Season

| September 20, 2023

As we approach hurricane season, it’s so important to be prepared and ensure the safety of you, your family, and your property. Here are essential tips to consider for hurricane preparedness. By thinking ahead, you can minimize risks and be ready when a storm hits.

 

Understand Your Risk

The first step in hurricane preparedness is understanding your risk. Not all areas are equally affected by hurricanes. Research your local area’s history with hurricanes and know your home’s vulnerability to storm surges, flooding, and wind.

Create a Disaster Plan

Having a disaster plan in place is crucial. Discuss with your family what to do in case of a hurricane warning. Determine evacuation routes, identify safe rooms in your home, and designate a family contact who lives outside of the storm area. Ensure every family member understands the plan and practice at least once a year.

Assemble an Emergency Kit

Before the hurricane season starts, put together an emergency kit. Include necessities like non-perishable food, water, medications, flashlights, a battery-powered radio, a first aid kit, and extra batteries. Also, have important documents – such as insurance policies and medical records, in a waterproof container.

Secure Your Property

Inspect your home for any necessary repairs to roofs, doors, and windows. Trim trees and clear loose or clogged rain gutters. Consider installing storm shutters for windows and reinforcing your garage doors.

Review Your Insurance Policies

Hurricanes can lead to significant property damage. Review your insurance policies to understand what’s covered and what’s not. Ensure you have adequate coverage for your home, car, and personal belongings.

 

Preparation is key when it comes to hurricane season. These tips can help protect your family and property, giving you peace of mind during this potentially turbulent time. But remember, insurance is a crucial part of any disaster plan. Call The Leigh Agency today to review your current policy and make sure you have the coverage you need.

Essential Grilling Safety Tips To Ensure A Safe BBQ Experience

| September 10, 2023

Grilling is an essential part of many gatherings. But, like any form of cooking, it comes with potential risks. To ensure a safe and enjoyable barbecue experience, here are some important grilling safety tips to keep in mind before throwing on those burgers and hot dogs.

 

Keep Your Grill Clean

One of the most important ways to ensure grilling safety is by keeping your grill clean. Leftover grease and fat can build up over time and increase the risk of unexpected flare-ups. After each use, make sure to clean your grill to avoid any potential fire hazards. It’s not only a safety measure, but a clean grill also enhances the taste of your food.

A Safe Place for Your Grill

Your grill should be placed at a safe distance from your home, deck, tree branches, or any other flammable items. Ideally, your grill should be at least 10 feet away from any structures. This reduces the likelihood of a fire and also keeps the smoke away from the inside of your home.

Never Leave Your Grill Unattended

When you’re grilling, it’s crucial never to leave your grill unattended. Fires can start and spread quickly. Always keep an eye on your grill and ensure it’s completely turned off after you’re done cooking. Having a fire extinguisher nearby is also a good safety measure.

Check For Gas Leaks

For gas grills, it’s important to routinely check for gas leaks. You can do this by applying a mild soap and water solution to the gas hose and turning on the gas. If bubbles form, that means you have a gas leak that needs immediate attention.

 

By following these grilling safety tips, you can make your BBQ experience safer and more enjoyable. Remember, it’s always better to be safe than sorry when it comes to grilling. And for unexpected moments, it’s best to be insured. Keep The Leigh Agency in mind for all your insurance needs!

Why Local Business Owners Trust The Leigh Agency

| June 30, 2023

As a local business owner, it is important to have trust in the Insurance agency you work with. At Leigh Agency, we understand the importance of trust, and that’s why we have built our reputation on it. Our clients trust us because of our expertise and personalized service. Read on to learn why local businesses trust an insurance agency like us.

 

Expertise

As a leading insurance agency, we have years of experience helping local businesses navigate the complex insurance world. We have a team of experts who are knowledgeable in all areas of insurance, including liability, workers’ compensation, property, and more. Our team is always up to date on the latest regulations and laws, so you can be confident that you are getting the best advice possible.

Commitment to Excellence

At Leigh Agency, we strive for excellence in everything we do. We understand that your business is unique, so we work with you to create a customized insurance plan that fits your needs. We take the time to get to know your business so we can provide you with the best possible coverage. We aim to help you protect your business and give you peace of mind.

Personalized Service

We understand that insurance can be confusing and overwhelming. That’s why we are committed to providing personalized service to our clients. We take the time to explain your coverage options and answer any questions you may have. We’re here to help you make informed decisions about your insurance needs.

 

At Leigh Agency, we’re proud to have earned the trust of our clients. Our commitment to expertise, excellence, and personalized service sets us apart from other insurance agencies. If you are a local business owner needing insurance, contact us today. We will work with you to create a customized insurance plan that meets your unique needs. Give us a call today.