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Rock Insurance
Agency Inc

142 Route 70, PO Box 775
Medford, NJ 08055

Rock Insurance Agency Blog

Will my commercial insurance protect my business if we have a closure because of severe weather?

Commercial insurance in Medford, NJ is most commonly for losses because of unexpected incidents like fires or thefts. Your building and property are protected from damages because of accidents or crimes. 

There are other kinds of losses your business could suffer because of bad weather. At Rock Insurance Services, we help small businesses in the Tri-State area make sure they have the coverage they need so they can move on after unfortunate events. 

When Your Business Is Closed Through No Fault Of Your Own

Sometimes there are events, like big storms, that cause businesses to shut down until necessary repairs are made. While you are waiting, you still have to pay the same bills. Your bank still wants your mortgage payment, your employees need to be paid, and you need to keep paying your other day-to-day bills. Unfortunately, you aren’t making money while your business is closed.

Business Interruption Insurance

If you have a business interruption policy, you can make a claim on the income you aren’t receiving. If not already included in your Business Owner Policy (BOP) you can purchase protection separately.

Even if you have business interruption insurance, you can still run into problems while you are waiting to reopen. Talk to your insurance agent about the steps you need to take for your insurance claim and make a plan for your business so that nothing is neglected while you wait.

We Are Here To Help

If you have a small business in the Tri-State area, you should check your policies to make sure you are comfortable with your level of coverage. Rock Insurance Services can help you personalize your insurance package so your Medford, NJ has the protection it needs. Call today so we can give you your options. 

Your Roadmap to Protection: New Jersey Auto Insurance

Navigating the unique traffic conditions and weather patterns in New Jersey can be treacherous without the right auto insurance. The best way to protect your auto is to get insurance from a knowledgeable and licensed agent. 

Tri-State Auto Insurance Basics

Not only is New Jersey auto insurance a legal requirement for all drivers having the right insurance can safeguard your auto and finances from the devastating financial losses associated with an automobile accident. Talk to the insurance professionals at Rock Insurance Services in Medford, NJ  to learn about the best auto insurance coverage options for protecting your four-wheeled investment! 

Roadmap: New Jersey Auto Insurance 

All New Jersey drivers must insure their cars with the minimum liability coverage required by the state. Minimum liability helps to ensure that you and other drivers have basic coverage and protections in an accident. 

It is important to note that minimum liability insurance is exactly that. This insurance only covers the bare minimum for bodily injury, property damage, and legal coverage in an accident. New Jersey drivers who want to extend their coverages to protect their medical bills, repair or replace their automobile in an accident, and additional, comprehensive coverages can talk to an insurance agent about adding comprehensive or collision insurance to their auto policy. 

Beyond Liability – Comprehensive and Collision Insurance 

These extended coverages add protections for non-collision-related events that could cost thousands of dollars without insurance. 

Non-Collision Related Coverages 

  • Theft
  • Vandalism
  • Natural Disasters

Get a New Jersey Auto Insurance Quote!

Ready to extend your auto insurance coverage in New Jersey? Contact a licensed insurance agent at Rock Insurance Services in Medford, NJ and around the Tri-State area. Our knowledgeable agents can answer your insurance-related questions and help you get the best insurance for your budget! 

The Importance of Home Insurance

Our insurance agents at Rock Insurance Services serving the Tri-State area, including Medford, NJ, are stressing the importance of home insurance.

If you have a mortgage on your home, you are probably required to have a home insurance policy in place until your loan is paid off. Even if you do not owe money on your house, it is imperative that you have a home insurance policy to help protect the large investment you have made in your beautiful home.

What Does Home Insurance Cover?

None of us know what the future holds, which is the reason why all types of insurance policies are so important. When it comes to home insurance, we never know if our house will be hit by a tornado or some other natural disaster. We can put up smoke detectors and be diligent about keeping our home safe from a fire, yet it can still happen when we are at least expecting it. We can put the best alarm systems in place to protect our home, but it can still be burglarized or vandalized, which means you will need home insurance to help cover the damages and get you and your family back into your home safely.

My home insurance policy is designed to protect your house if it is damaged or destroyed by one of these types of horrible occurrences. Most policies include the structure of your house as well as your personal belongings. Your personal belongings can include your clothing, makeup, and jewelry, but also the appliances, electronics, and furniture that you’ve worked so hard to purchase. You can even obtain a home insurance policy that will also cover any outbuildings or other structures on your property, such as privacy fences, sheds, garages, and even gazebos.

If you live in a flood or earthquake-prone area, you will want to talk to your insurance agent about adding those types of policies to your main home insurance policy since most do not already include those types of incidents.

Reach Out To Us

To create the best home insurance policy for you and your home, contact the experienced agents at Rock Insurance Services serving the Tri-State area, including Medford, NJ, today!

Essential insurance policies every business owner should consider

Every business owner should take the time to consider essential insurance policies that can save them in case of a disaster here in the Medford, NJ, or Tri-State areas. Different forms of insurance are available depending on the type of business, and each offers different types of protection.

Here are some essential insurance policies at Rock Insurance Services every business owner should consider: 

1. General Liability Insurance

This type of policy is necessary for any business, as it covers bodily injury, property damage, libel or slander, and other legal issues related to your business operations. This insurance will protect you from claims or lawsuits resulting from clients’ injuries or damages caused by your services. 

2. Property Insurance

Property insurance covers damages to your commercial property caused by weather, theft, fire, and other disasters. It may cover the cost of replacing valuable items such as computers and furniture if they become damaged due to an event covered by your policy. 

3. Business Interruption Insurance

If your business experiences a prolonged shutdown due to unforeseen circumstances such as natural disasters or pandemics, this coverage will help to offset some of the lost income during that period of time. It can also help to cover certain expenses related to continuing operations while closed down, such as payroll costs and loan payments. 

4. Workers’ Compensation Insurance

This is important for businesses with employees as it covers medical costs associated with workplace injuries along with wages lost due to an employee’s inability to work due to their injury/illness sustained at work. 

Reach Out To Us 

For more information, give us at Rock Insurance Services a call today. We are proud to serve the Medford, NJ and Tri-State areas and would be happy to help you.

Tips to prepare your car for a storm

As severe storms become more frequent and severe here in the Medford, NJ and Tri-State areas, it’s important to make sure your car is prepared for the worst.

Here are some tips from us at Rock Insurance Services to help you prepare your car for a storm: 

1. Check your tires

Make sure your tires are in good condition and properly inflated. This will help ensure better traction on wet or icy roads. 

2. Check your wiper blades

Make sure your wiper blades are in good condition so that you can see clearly while driving in a storm. 

3. Stock up on supplies

Keep an emergency supply kit in your car with items such as jumper cables, a first-aid kit, flashlights, blankets, and extra water and snacks just in case you get stuck somewhere due to bad weather. 

4. Fill up the tank

Make sure you have at least half a tank of gas so that you can get to a safe location if needed without having to worry about running out of gas. 

5. Protect the exterior

If possible, find a covered garage where you can park during the storm to protect it from hail damage or other debris from high winds. 

Reach Out To Us!

By following these tips, you can make sure that your car is ready for any storm that comes its way! For more tips or to explore an auto policy in case something does go wrong, give us at Rock Insurance Services a call today. We are proud to serve the Medford, NJ and Tri-State areas and would be glad to help you find a policy that meets your needs and your budget.

Riders You Can Add to Home Insurance

Riders and add-ons might have funny names, but they do serious work for you in your home insurance policy. On average, a home policy covers $2,500 of personal belongings. If you own items valued at more than that amount, you need to raise the coverage limit. Riders and add-ons do that for you and Rock Insurance Services can add them easily to help you better protect your Medford, NJ home.

Home Insurance Add-ons

Jewelry Add-on

Many people own at least one piece of jewelry that exceeds the value of the typical coverage limit. An engagement ring pushes them over the $2,500 mark. A jewelry add-on covers the piece of jewelry in full.

Home Emergency Add-on

Your policy determines whether you need the home emergency add-on. Some policies contain this coverage, some do not. That happens because, among homeowners’ insurance, eight varieties exist. Check your policy and if you don’t find home emergencies like burst pipes or an HVAC breakdown covered, contact us to add this coverage.

Accidental Damage Add-on

Not all home damage comes from named perils. Sometimes, it’s your kids making a mess that looks like a Tri-State tornado or hurricane hit your home that does the damage. Accidental damage covers everyday disasters like red soda or drink mix spilled on a white carpet or blood from skinned knees from a skateboarding wipeout staining the sofa upholstery. Those items cost quite a bit to repair. Adding this coverage to your policy means you won’t have to pay out of pocket.

Contact Us Today

At Rock Insurance Services, we want your Medford, NJ, home protected from all the potential problems living in the Tri-State can bring. Contact us today for a home insurance policy review, so you can find out which of your home needs your home policy doesn’t cover and add-on to it to change that.

Who needs to have a commercial insurance plan in New Jersey?

Being a business owner is a dream for many people in the Tri-State area. When you are looking to build a business, the greater Medford, NJ area can be a great place to begin. If you are looking to start a business here, you should make sure that you are properly insured.

A business here will need to have a commercial plan for various reasons:

Comply with Requirements

A reason that you will need to have a commercial plan in this part of the Tri-State area is so you can comply with requirements. There are a lot of situations when a business could be required to have coverage. If you have taken out a loan or raised money from investors, you will undoubtedly be required to carry coverage. When you get the right insurance, it can help you stay in good standing. This can help you avoid penalization and reputational damage. 

Protect The Financial Viability of Business

It is also a good idea to get a commercial plan as it can help protect the financial viability of your business. When you have this insurance, it will offer various forms of financial protection. This includes the support you need to offset liability claims and ensure your core assets are protected. This will help ensure you have protection during some otherwise difficult situations. 

Rock Insurance Services Is Here To Help!

As you are looking to get into a new commercial insurance plan for your Medford, NJ area business, it will be important that you discuss your needs with someone that you can trust. Our team with Rock Insurance Services knows the value of this coverage and can help you evaluate all of your needs and options. This will give you the support you need to build a plan that is right for your business. 

Getting the Right Amount of Home Insurance Coverage For Your Needs

Homeowners in Medford, NJ, and the Tri-State area know that home insurance is essential in protecting your valuable asset. But how do you determine how much coverage you need?

Know Your Basic Coverage Needs 

The first step in obtaining the right amount of home insurance is understanding what type of coverage you need.

The essential components of home insurance are:

  • Dwelling Coverage
  • Other Structures Coverage
  • Personal Property Coverage
  • Loss of Use/Additional Living Expenses Coverage

These four primary coverages are all included in a standard policy and provide financial protection against losses caused by fire, lightning strikes, theft or vandalism, hail or windstorm damage, and other perils listed in the policy. 

Consider Additional Coverages 

Once you have determined your basic coverage needs, it is time to consider additional coverage that can be added to your policy depending on where you live and the risks you face. These options include:

  • Water damage/sewer backup coverage
  • Flood Insurance
  • Earthquake coverage
  • Identity theft protection
  • Replacement cost coverage
  • Liability protection

Your Rock Insurance Services representative can provide more information and help you determine which ones are right for you in the Tri-State area.

Understand Your Deductible 

Your deductible is the out-of-pocket amount before your insurance company pays for any losses or damages covered by your policy. Higher deductibles lead to lower premiums because there is less risk for the insurer if they don’t have to pay out as much money for claims.

When choosing a deductible amount for your policy, it’s essential to balance the cost savings associated with having a higher deductible with the fact that if something happens to your home, you’ll pay more out-of-pocket before any claim payments are made by your insurer.  

Give Us A Call

For help to determine how much home insurance coverage is right for you in Medford, NJ or anywhere else in the Tri-State area, contact Rock Insurance Services today!

Three things you’ll like about commercial insurance coverage

Owning a business can at times be a stressful experience. This is especially true when you’re not carrying commercial insurance for your business in the Tri-State area. If you’re looking for commercial insurance coverage for your company, we can help you at Rock Insurance Services in Medford, NJ.

The following are three things you’ll like about carrying commercial insurance for your business:

Commercial insurance coverage can give your employees more financial security.

Your employees will really appreciate it if you carry workers’ compensation insurance as part of your commercial insurance policy. This type of insurance will protect your employees financially if they end up getting injured on the job and cannot return to work as a result. 

Workers’ compensation coverage doesn’t just benefit your workers but also keeps you compliant with state law. In New Jersey, workers’ compensation insurance is required for all employers that are not either covered by Federal programs or approved to self-insure their company. 

Commercial insurance coverage can minimize the damage caused by a burglary at your facility. 

A burglary can be very costly for a business. Commercial insurance policies will often provide coverage for financial losses resulting from a burglary. 

Commercial insurance coverage keeps your company out of all kinds of trouble.

Without commercial insurance, your company could end up in financial trouble due to a lawsuit. Your company can also end up in legal trouble if you don’t carry any commercial auto or professional liability insurance that is required. 

Call us at Rock Insurance Services to discuss more of the great aspects of having commercial insurance in the Tri-State. Rock Insurance Services can offer commercial insurance policy quotes to business owners in Medford, NJ. Contact us to learn more. 

Motorhome Coverage and Roof Leaks: What is Covered?

Living in a motorhome (or even just traveling in one) is an entirely unique experience. You must take care of certain things that you may not otherwise have to face, such as septic tank connection issues and other unique problems.

As the motorhome starts to age – and after being berated by the elements for several years – the roof can start to weaken in several areas. This could cause roof leakage, which could not only destroy the roof but could also spread to the inside of the home. In turn, it could destroy every personal item of yours in its path.

Motorhome Coverage and Roof Leaks: What is Covered?

As with any investment, it is imperative that you take adequate care of your motorhome and its contents at all times. Motorhome insurance can assist with that care.

When inclement weather occurs and rainstorms flood the area, you will need a way of protecting your roof. Your motorhome insurance policy includes coverage for that leaking roof. Before it becomes an issue, make sure to obtain the policy first and foremost. But how do you know what policy to choose?

Our team of insurance experts at Rock Hard Insurance Agency in Fontana, CA can assist you with the process of protecting your roof. With years of experience in the insurance field, our agency will make sure that you receive the correct policy to meet your needs.

Get The Right Coverage Today

Regardless of California being less likely to experience rainstorms than most other states, it is still a possibility. That is why you need to contact Rock Hard Insurance Agency in Fontana, CA today and insure your motorhome. You do not need the extra worry and expense of paying out-of-pocket for a new roof.

Let us keep you from being rained on by calling or emailing today!