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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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How Should I Structure My Commercial Insurance Policy?

Your commercial insurance policy, like all insurance policies, can be structured to fit the individual needs of your business. So if you want additional coverage on certain products or pieces of equipment, you can request for this to be built into your coverage. While there are plenty of boilerplate policies available, it helps to consider the structure of your insurance before you sign off on the policy. Sloan Insurance Agency wants you to consider a few things if you’re trying to decide on a policy in the Vineland or Elmer, NJ area. 

Think of the Risks 

Your business is unlike any other business out there, so you need to think about your individual risks. If you’re in an area with high crime rates, you may want to think about how theft or vandalism is covered under the policy. Or if you’re a large business, you need to consider how this will affect your liability. The more people you serve, the more likely it is that you’ll be served with some type of claim against you.

Weather should also play a major role in your decision-making process. The more storms or events you face, the more protection you should have. You can also think about getting business interruption insurance. This form of insurance will cover the income you would have made in case your business needs to be shut down for repairs. 

Asking Questions 

Insurance can be a difficult thing to consider, especially when you have countless other details on your brain. But the best way to get the policy you need is to speak to someone who knows. If you want to discuss your policy with an expert, call Sloan Insurance Agency in Elmer, NJ today. We’re here to help you get the advice you need so you can make a better decision for your business. 

Don’t Let Icy Branches Damage Your Home This Winter

Getting ready for winter includes taking steps to make sure that your home will be safe from any weather-related damage. Wintry weather in the greater Elmer, NJ area consists of the possibility of high winds, ice storms, sleet, and snow. All of these factors can lead to circumstances where your home is damaged. A little work before winter sets in can help to prevent damage to your home, and Sloan Insurance Agency is here to help you get ready.

Make Sure Your Home Is Protected and Ready for Winter

Icy branches can wreak havoc and cause a lot of damage when trees aren’t properly maintained. Tree branches should be kept trimmed, and any weak or broken branches should be removed before winter hits. If you have large trees on your property, any damage that flying or downed branches cause can become your liability. With just a few hours before the heavy weather arrives, you can make sure that icy branches won’t be a problem. 

When branches are covered in ice or snow, there is a good chance that they will snap off of the tree. When this occurs during storms with high winds, it’s almost inevitable that these projectiles cause damage. Proper tree maintenance can prevent this situation from happening and leave your home untouched during winter storms. Make sure that your tree branches are trimmed, and trees near your home and your neighbors are adequately maintained. Any dead or severely damaged trees should be removed.

If your Elmer, NJ area home sustains damage this winter, or any time of the year, the team at Sloan Insurance Agency is here to help! Give us a call today for a full review of your home policy before winter hits!