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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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What is Contractors Insurance and Why Do you need it?

Working in the construction industry or as a tradesman can be inherently risky with the business owner potentially being liable for damage and injuries that occur at the job site. Carrying contractor insurance helps protect your business from the financial repercussions resulting from work-related incidents. Contractors insurance is designed for trades like construction, carpentry, plumbing, electrician, landscaper, painter, and handyman. Not only does contractors’ insurance protect the individual from potentially devastating financial implications, but also it is often a requirement of employers before they’ll hire you to work a job. 

Although a policy can be customized for your individual needs, basic policies include general liability and commercial auto insurance coverage. If you employ others then you will likely need to have workers’ compensation insurance to cover any workplace injuries or illnesses. In short, contractor’s insurance helps limit your overall liability exposure by covering expenses such as injuries or damage sustained by a client or at their property that you or your business are deemed responsible for. With contractors insurance, there is no such thing as one size fits all so be sure to work with a reputable insurance agency to customize a policy that best meets your needs.

At Sloan Insurance Agency in Elmer, NJ we are New Jersey’s premier provider for all your insurance needs. Our friendly and knowledgeable team of insurance professionals is ready to answer your questions and is committed to taking the time to learn your needs so that a policy can be customized to meet your expectations. Whether you are in the market for contractor’s insurance or just have questions, we are ready to help so give us a call today or stop by our conveniently located office to learn more. 

What is Classic Car Insurance?

If you still have your classic car stored in your Elmer, NJ home garage, you don’t have to leave it unprotected. Sloan Insurance Agency is helping classic car owners protect their investments and enjoy the benefits of their older assets. However, there are some conditions that you must meet when you are looking to get classic car insurance coverage.

Meet the Age Requirement

Not every car out there in New Jersey or across the country qualifies for a classic car insurance policy. Most of the insurance companies are very selective in this case, and they will only allow a car that is older than twenty-five years. Therefore, if your truck has only served you for ten years, there is a long way to go for it to qualify as a classic car.

Value of the Classic Car

Not all classic cars are the same, especially when it comes to value. Some are more expensive than others, and they will always attract expensive premiums. If you have customized your classic car, your insurance company will demand extra payments because additional customization increases the risk of your vehicle and enhances its value.

Meet Mileage Requirement

Classic cars are the only types of cars where mileage is an issue of concern when applying for insurance policies. Most insurance organizations require that a classic car meet a specific mileage limit per month or below. If it exceeds the agreed mileage requirement, you will be required to pay for additional expenses, some of which might not be very friendly.

Sloan Insurance Agency welcomes everyone in Elmer, NJ who wants to purchase an insurance policy for their classic cars. The company is ready to provide the necessary coverage to this item of value that transcends generations. Contact us for more information.

Is It Time to Update Your Motorcycle Insurance?

Having motorcycle insurance is important because it protects you and other people in the event of an accident. You can also get coverage that’s designed for things like theft, as well. If you’re looking for this kind of insurance in the Elmer, NJ area, Sloan Insurance Agency can help. We understand that an insurance policy on your bike matters and that your needs can also change over time. That’s why we recommend going over your motorcycle policy at least once per year and determining whether it needs to be updated. Our dedicated agents can help you make that decision.

A motorcycle policy will need to be updated if you’ve gotten a different bike, but that’s not the only time. There are other reasons to update your coverage, such as someone else riding the bike, completing a training course, modifications that have been made to the motorcycle, a change of address, and more. By going over your policy with a trusted, professional agent, you won’t have to worry about whether your policy gives you adequate protection or whether you might have an area of coverage that’s been missed. Instead, you’ll have peace of mind and can enjoy your time on two wheels.

Reach out to Sloan Insurance Agency today if you’re in or around the Elmer, NJ area and need motorcycle insurance. You don’t have to settle for a policy you’re not sure about or be left with questions you can’t answer. Instead, you can work with our agents to make sure you have the right policy for your needs.

It might be time to update your motorcycle policy. If it is, we can help, and if it isn’t, you’ll know you’re up to date and won’t have to worry about your particular coverage levels. Contact our office to get started with a quote.

Why do I need boat insurance in Elmer?

The Elmer, NJ area can be a great place to live, especially during the year’s summer months. Once the weather turns warm, there are plenty of local waterways that people can enjoy. To ensure that you can enjoy this area as much as possible, it would be a good option to invest in a boat. Along with the purchase of your boat, you also need to get a boat insurance plan. You need this coverage for a few different reasons. 

Insurance Protects Boat

A key reason you will need to get a boat insurance plan when you are in New Jersey is that it can protect your boat. Your boat will come with a big investment through your purchase price and ongoing costs of maintenance. If you choose a full boat insurance plan, you will properly cover and protect this investment. 

Insurance Needed in Some Areas

You will also want to get a boat insurance plan as it can be necessary for people in certain areas. Those who want to use certain marinas and various waterways could find specific requirements to maintain boat insurance. If you do not have coverage, you may not be permitted to use your boat in these areas. This insurance is required as it ensures others that you will have the capacity to pay for any damages that you cause. 

If you purchase a boat in the Elmer, NJ area, it would be a good idea for you to call the Sloan Insurance Agency. The team with the Sloan Insurance Agency understands the value that this insurance coverage provides. They can do this by working hard to assess your individual situation and provide the support you need to build an ideal plan for your situation. 

Why umbrella insurance is a good idea for almost everyone

Insurance provides a vital service for most people. It protects their home, vehicles, health, and life. Most types of insurance coverage are pretty cut and dry. You know why you have auto insurance and what it does for you. Umbrella insurance is not quite so clear cut. Many people have no idea why it is valuable and what it can do for them. At Sloan Insurance Agency in Elmer, NJ, we serve the Tri-State area and have since 1948. We are a full-service independent agency with many years of experience. 

Many insurance policies have a liability component. You don’t need to own a home to benefit from liability coverage. It is also included with the vehicle, renters, and boaters insurance to name just a few. Umbrella insurance provides a supplemental layer of liability protection. Why do I need more liability protection?  Most traditional policies have a limited amount of liability protection. It has become common for people to resort to legal action when they are injured by something considered negligence or where another party is at fault. 

No one wants to get sued, but it can be very costly if it happens, and any assets you have could be at risk. You don’t have to be wealthy or have a huge number of assets to be sued. That is why umbrella insurance is a good idea for almost everyone. The only people who really can’t benefit from it are those who own nothing of value and don’t have a job whose wages could be assigned. For the rest of the world, umbrella insurance is an affordable way to protect what you have worked so hard to accumulate. 

Contact Sloan Insurance Agency in Elmer, NJ for all your insurance needs. If you have questions about umbrella insurance, give us a call, stop by our office, or email an agent. We are here to help. 

When is it a good idea to get flood insurance?

If you live in the Vineland or Elmer, NJ area, you likely will find that owning a home is a great option in the long run. Those who purchase a home will enjoy having a consistent place to live and benefit from price appreciation. When you are a property owner here, you must consider your insurance needs for it. One type of coverage that some people here will need is flood insurance. There are several scenarios when it is a good idea to get flood insurance coverage.

When Required by Lender

A common situation when people will need to get flood insurance is when their mortgage lender requires it. Anyone that takes out a mortgage when they buy a home is going to have some requirements when it comes to insuring it. If your home is located in a zone designated as high risk for flood damage, you will need to carry flood insurance with a policy that meets your lender’s standards.

When Concerned About Flood Risks

It would be best to get a flood insurance policy when you are concerned about flood risks. Those who buy a home may be aware that there are rivers, lakes, and other flood hazards in the area. While you may get some protection through a home insurance policy, it often does not give the coverage needed to mitigate the concern fully. In these situations, you should invest in another flood insurance policy.

It continues to be very important in the Vineland and Elmer, NJ area to get flood insurance. If you are looking for an insurance policy, you should call Sloan Insurance Agency. The insurance team at Sloan Insurance Agency can offer you many different services to help you understand your risks and pick the right policy. 

When should you update your auto policy

Auto insurance gives you confidence. Whenever you get out on the road, you are protected from the financial consequences of an accident, no matter what happens. You have lots of choices regarding who you choose as your insurance carrier and having an agent you trust makes it easier. An independent agency like Sloan Insurance Agency in Elmer, NJ is one you can trust. We have been helping customers since 1948, and our friendly and professional staff make getting the right insurance policy painless. 

Whenever your auto policy renews, every six months or once a year, you get a copy of your declaration page. Like most people, you probably don’t pay a lot of attention to it, but it is important since it defines your coverage. When you take the time to look it over, you may realize that it is time to update your auto policy. 

Your net worth increases

If you bought your insurance policy when you were young and single, you might not have updated your liability coverage as your situation changed. This can happen yearly or every 5 years, but it makes good financial sense to ensure everything you have worked hard to acquire is protected. 

Your vehicle gets older.

When your vehicle reaches a certain age, the value may decrease so much that it is no longer a good decision to maintain your collision and comprehensive coverage. 

When you add or drop a driver

Adding children to your policy will affect your premium. But of course, once they start driving, you need to add them to your policy, and if they move out, they can be removed. 

When you add or remove a vehicle

You must add a new car to your policy to get it registered in most states, and if you sell a vehicle, it can be removed. 

When you are looking for auto insurance, Sloan Insurance Agency in Elmer, NJ is here to help. Let us find you the coverage you need at a price you will appreciate. 

Protect Your Business with Commercial Insurance

If you’re a business owner in Elmer, NJ, then it’s necessary that you not only have commercial insurance but that you understand how it works. Commercial insurance is the lifeline that will keep your business afloat in trying times. Learn the in’s and out’s of commercial insurance and how it can protect your business with Sloan Insurance Agency.

What Does Commercial Insurance Cover?

Commercial insurance is a type of insurance that provides financial coverage to protect your business’s property, employees, and reputation. Here are some areas in which commercial insurance can provide coverage: 

  • An injured worker on the job
  • Property damage
  • Liability
  • Lawsuit
  • Legal fees
  • Broken equipment

These are just some of the areas in which commercial insurance can provide protection. The specific coverage amount and type of coverage you receive will depend on which commercial insurance policy you choose. To find the right commercial insurance policy for your business, visit Sloan Insurance Agency for a consultation. 

Why Get Commercial Insurance?

You poured everything you have into your business. You worked long hours and sacrificed a lot of things to build your business from the ground up, and that’s something to be immensely proud of. That’s why you need to do everything you can to protect your business. It would be best if you looked at your business and your employees like your family. 

Your business is not only a place that you built, but it’s part of who you are. You’re not only considering the well-being of the property or equipment but of the employees who work for you as well. The employees help keep your business running strong, so it only makes sense to provide the coverage. Give yourself peace of mind with commercial insurance. 

Protect Your Business with Sloan Insurance Agency

When it’s time to find the right commercial insurance policy for you, visit Sloan Insurance Agency. Our office proudly serves the Elmer, NJ area. 

What Does Home Owners Insurance Cover?

Homeowners insurance can create true peace of mind for many homeowners. The benefits and protections it provides are truly invaluable. However, to truly understand the benefits of homeowners’ insurance, you should familiarize yourself with what it covers. Sloan Insurance Agency of Elmer, NJ is committed to educating homeowners about the benefits of homeowners insurance and what it covers. Typically, homeowners insurance provides four general areas of coverage.

The Structure of Your Home

Homeowners insurance covers damage to your home, garage, gazebo, and other detached structures on your property. It will pay for the repair or rebuild of your home in the event of a fire and several other natural disasters that will be listed in your policy. They typically include lightning, hurricanes, and hail. However, homeowners insurance doesn’t usually include flood damage, earthquakes, or the deterioration of your home that results from aging. 


Homeowners insurance will cover several circumstances where you’d be considered responsible for any harm or damage to a visitor or visitors’ property. You are protected from lawsuits for property damage and bodily injury. Standard policies usually provide coverage of 100K; however, you can purchase more if this amount isn’t enough. Homeowners insurance will even cover damage your dog or pet may cause to your neighbor’s property. 

Personal Items

Your personal items, both on and off your property, are covered under homeowners’ insurance. This includes items kept in storage or somewhere else. Coverage for your personal belongings can comprise up to seventy percent of the coverage you have on your home. This coverage can also include rare and valuable items up to a specific limit. If you need more coverage for these types of items, you may need to purchase special coverage for these items. Your personal belongings are covered in the event of fire, theft, vandalism, and natural disasters included in your policy. Homeowners insurance covers trees and bushes on your property as well. 

Living Expenses

If something happens to the structure of your home and it becomes uninhabitable, homeowners insurance will pay for you to live elsewhere while your home is being repaired or rebuilt. However, it will also cover other associated living expenses like restaurant bills, hotel costs, and other living expenses. If you have questions about homeowners’ insurance, Sloan Insurance Agency of Elmer, NJ invites you to visit our office or give us a call. We’re here to help.

An Overview Of What A Contractors Insurance Policy Entails

Sloan Insurance Agency assists the Vineland and Elmer, NJ community, as well as the surrounding areas by offering residents multiple types of insurance policies. Our primary objective is to help our clients find the insurance coverage that they need to enjoy a comfortable life.

Contractors Insurance

New Jersey has a thriving economy, which is why it is an ideal place to start a business. Several contractors in the area have begun building properties. If you are a contractor or business owner in the area, contractors insurance is an asset. Business owners are able to protect their assets. The policy also covers business owners if a contractor is injured while working on the property.

Contractors use special equipment to complete some of these tasks. If they leave the equipment at the job site, the policy covers the equipment in the event that it is damaged or stolen. The policy also covers business owners who can avoid having to deal with a lengthy delay while the equipment is replaced.

Business owners can amend the policy to cover any vehicles that are used to transport different tools and materials. You can add special coverage for equipment such as ladders and forklifts. You can also amend your policy to include workers’ compensation coverage for the independent contractors.

If you are an electrician, carpenter, plumber, construction worker, or HVAC contractor, you should consider researching the benefits of contractors’ insurance. You face dangerous and unique risks daily as you work. Contractors insurance ensures that you will be protected in the event of an accident.

Sloan Insurance Agency Will Help You

If you are a contractor or a business owner looking to protect your assets, we will help you find the coverage that you need. Stop by our office in Elmer, NJ today!