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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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What are the Different Types of Contractor Insurance?

If you are a contractor, you need insurance. There are many risks involved when you own a contracting business, and insurance can help protect you from these risks. At Sloan Insurance Agency in Elmer, NJ, we offer contractor insurance.

General Liability

General liability insurance protects you from many types of liability claims. It covers bodily damage to non-employees and property damage. If a judgment is made against you, the insurer will cover the costs up to the coverage limit. 

Let’s say you are working on a client’s roof. The hammer falls from the roof and damages their car. General liability would cover these damages, so you don’t have to. 

Business Owners Insurance

A business owner’s policy combines general liability with property insurance, also known as a BOP. It covers your tools of the trade and any buildings you use to run your business. 

Workers Compensation Insurance

If you have employees, you need workers’ compensation insurance. If an employee is injured on the job, you are responsible for medical bills and lost wages. 

Workers’ compensation insurance covers these costs, giving you and your employees peace of mind. 

Professional Liability 

As a contractor, a mistake can be very costly. Professional liability provides coverage for customer dissatisfaction, design flaws, and mistakes you may make. 

For example, if a mistake causes a building to not be up to code, this will cost the home or business owner time and money. Professional liability would cover any time loss and the costs to fix the issue. 

Contractor Insurance With Sloan Insurance Agency

If you need contractor insurance in Elmer, NJ, contact us at Sloan Insurance Agency. We’ll explain the types of contractor insurance and make sure your insurance needs are met. 

Sloan Insurance Agency answers 5 FAQs about classic car insurance

A classic car is special. It’s one of a kind. You need insurance that’s just as unique.

Sloan Insurance Agency knows this more than most. Serving Elmer, NJ, our agency can help you find the right classic car insurance by answering these five common questions.

What is classic car insurance?

Classic car insurance is created specifically for vintage car owners. Although these features are comparable to traditional auto insurance policies, available options are quite different.

How is classic car insurance different?

A significant difference is that classic car insurance uses a designation called "agreed valued coverage." This means that you and an agent determine your car’s value when purchasing a policy. This value is typically set after a professional appraisal.

What types of cars are covered?

Classic car insurance is usually broken into three categories: antique, exotic, and custom. However, custom or modified vehicles can be tricky since these alternations can both add or detract from a vehicle’s value. A car’s age also impacts available coverage.

Is my car eligible?

Only certain cars qualify. In addition to fitting into one of the above groups, there may be other eligibility restrictions too. Most importantly, a vehicle must not be your primary vehicle to be insured as a classic car.

How much does classic car insurance cost?

Rates will fluctuate depending on a car’s make, model, and mileage. But, as a general rule, classic car insurance is less expensive than regular auto insurance. This is because classic cars spend less time on the road and more time stored in a garage.

Find an agent serving Elmer, NJ.

Sloan Insurance Agency can offer more than just answers. Their season agents are eager to "supe up" your vintage ride with a personalized insurance policy. Schedule an appointment today.

Is a comprehensive motorcycle policy right for you?

The Sloan Insurance Agency is here for the motorcycle owners in Elmer, NJ. If you own a bike and want to ensure that you have the insurance protection you need, give us a call today!

Benefits of a comprehensive motorcycle policy

A primary insurance policy can provide you with basic protection. And often, bike owners choose policies that meet any state insurance requirements. However, there are several different reasons why choosing a more comprehensive policy may be the better option. Now is a perfect time to learn more.

The main advantage comes with the increased protection for yourself, any passengers, or other persons who may be injured in an accident involving your bike. With a comprehensive policy, you will have greater protection and level of coverage when it comes to expenses like medical bills. This is just one prominent example of the many benefits of comprehensive policies. 

Additionally, a comprehensive motorcycle insurance policy can provide greater coverage for incidents like theft and vandalism. There’s no reason why owners need to come out of pocket for these types of losses. When there is a comprehensive policy in place, you can expect to have more situations covered at a higher level.

Now is a perfect time to look beyond primary policies. Why not protect your bike, yourself, and passengers with a comprehensive policy today?

Find out more today!

If you are a resident of the greater Elmer, NJ area, the team here at the Sloan Insurance Agency is here to help you with all of your insurance needs. If you want to learn more about the many benefits of comprehensive motorcycle insurance policies, give our office a call today!

4 Add-ons to Consider for Your Boat Insurance

When you own a boat in Elmer, NJ, the last thing you would want is an accident. Unfortunately, boating accidents are common, and that is why you need boat insurance from Sloan Insurance Agency. While boat insurance is superb, all coverages aren’t created equal. As such, here are add-ons or endorsements you should consider for your boat insurance:

  • Umbrella insurance: Are you a high-net-worth individual? Your status may attract lawsuits, putting your assets in jeopardy. That said, you need to invest in umbrella insurance to cover liability claims exceeding boat insurance. Umbrella insurance protects your assets and future income when you face significant claims beyond your boat insurance.
  • Uninsured boater insurance: If you have auto insurance, this insurance rings a familiar bell. Uninsured boater insurance protects you in hit-and-run scenarios and instances when you are hit by a boater who doesn’t have boat insurance. And given that boat insurance isn’t required in New Jersey, you will find many boaters without this coverage, making uninsured boater insurance a must-have policy.
  • Fuel spillage coverage: Federal law requires boaters to clean any oil spills, whether due to an accident or a sloppy oil change. In a bid to conserve the environment and avoid federal penalties, invest in fuel spillage coverage to clean off accidental oil spills.
  • Medical payments coverage: Even if you have health insurance, you need MedPay coverage to cover out-of-pocket expenses not covered by your health insurance. Plus, MedPay covers the passengers, regardless of who was at fault for the accident.

Need watercraft insurance in Elmer, NJ? Whether you use your boat to fish, sail, or cruise, you must invest in boat insurance to protect yourself and the vessel. Talk to Sloan Insurance Agency today, and we will help you purchase boat insurance that meets your unique needs.

Umbrella Insurance in New Jersey: What You Need to Know

Many people regard umbrella insurance as unnecessary, but Sloan Insurance Agency is here to convince you otherwise. Umbrella insurance has many benefits for people with a variety of investments that need more protection than what their existing policy can offer them. 

If you’re in the Elmer, NJ area and you’re curious about what umbrella insurance may offer you, keep reading. 

What does umbrella insurance offer?

Simply put, umbrella insurance kicks in once your current policy coverage runs out. It serves as an extra layer of liability insurance once your limits are reached and you risk having to pay out of pocket. Umbrella insurance is a wise financial investment for people who have a larger number of assets to insure and can fill in the blanks where other policies fall short. 

Umbrella insurance includes personal liability coverage, from things like libel and slander, that are typically excluded from standard liability coverage. This is one benefit that many people don’t know about, but find very valuable. 

Like many forms of insurance, you don’t realize how much you need it until you really need it. Don’t risk falling short on your insurance policy and putting yourself in a risky financial situation. Insurance exists so you don’t have to worry about what could happen; you simply prepare as best as you can and mitigate your risks and worry less. Umbrella insurance can help with that. 

Sloan Insurance Agency encourages all residents of the Elmer, NJ area to reach out if you are interested in investing in umbrella insurance to protect yourself even further. We’re here to help you find a well-suited policy that fits your lifestyle, needs, and future goals. 

Contact us today! 

Motorcycle Insurance as Your Primary Vehicle

At Sloan Insurance Agency, we cover many people in the Elmer, NJ, area who use their motorcycle as their primary vehicle. Most of them always ask the same question before they begin: will my usage affect my policy? Let’s examine this idea to give you a better idea of what to expect.

Does Your Policy Differ?

A motorcycle insurance policy does not differ if you use it as your primary vehicle instead of as a secondary vehicle. Both vehicles will require you to get proper coverage that meets your needs. Before you can even hit the road, you need the policy to keep yourself and others safe. 

That said, some people may be more inclined to get extensive policies if they use their bikes for regular riding. For example, a basic liability coverage policy is not but does not protect your bike if it gets damaged. For that, you’ll probably want to upgrade to a more intensive policy.

What Does It Cover?

A comprehensive motorcycle insurance policy will typically include things like damage protection, medical expense coverage, payments for repairs, replacement coverage, and much more. You can usually set up whatever policy works the best for you when you begin.

Talk to your agent about which of these options works the best for you. You’ll have to work directly with your agent to ensure that you feel comfortable with these steps and avoid any complications that you might experience. Just as importantly, you should adjust your policy as needed.

Get a Policy That Works 

If you drive your motorcycle as your primary vehicle, it shouldn’t be too hard to find a policy that works for your needs. At Sloan Insurance Agency, we can help Elmer, NJ residents find a policy that makes sense for their needs. Contact us today to learn more about our options.

What to Know about Boat Insurance

New Jersey has a ton of boats, and with that, a lot of boat owners. If you are one of those boat owners, you will want to look after your boat as well as possible and make sure your boat is covered against any type of incident or damage.  

If you want a call about boat insurance and your options, or perhaps even renew boat insurance that you already have, call Sloan Insurance Agency in Elmer, NJ. We will discuss quotes from our different providers and walk you through them every step of the way. We service the following states:

  • New Jersey
  • Pennsylvania

Boat insurance coverage

Boat insurance can be fairly comprehensive, and provide coverage for you and your boat for many things. This helps you ensure you can enjoy your boat freely. Some of this coverage includes:

  • Damage to your boat or to items that are on the boat. 
  • Damage or injury to other boats or other people. These damages and injuries can apply to other people who visit your boat, but this can also apply to people on other boats you are in an accident with. 
  • If your boat is stolen or items on your boat are stolen, you can be covered against theft. 

A lot of people might rely on their home insurance if you have boat storage insurance added to your home insurance. This doesn’t always mean you are covered by the above possibilities.

Boat insurance can take all the worries out of your boat trips and lets you enjoy your boat. If you want to discuss boat insurance or review boat insurance you have with us, call, you can call Sloan Insurance Agency in Elmer, NJ, or request a quote here.

3 Reasons You Should Invest in Umbrella Insurance

As defined by Sloan Insurance Agency in Elmer, NJ, umbrella insurance (also known as excess or additional coverage) is an insurance coverage meant to protect your assets in the event of a significant financial claim exceeding your current liability coverages.

Unfortunately, most people assume that umbrella insurance is for the rich and famous only. However, the reality is that umbrella insurance is suitable for everyone with a source of income. Here are reasons why you should invest in umbrella insurance.

To protect your assets

Whether you have insured your existing assets with other types of insurance coverages or not, subscribing to umbrella insurance will help protect them further. This means that your assets are safe from claims that exceed your typical liability coverages.

To cover ubiquitous, expensive claims

In America, you can be sued for absolutely nothing. And since litigations are never far from us, you are better off with umbrella insurance. Besides, legal claims can be expensive. For instance, if someone gets injured within your home premises, beyond seeking compensation for medical expenses, they may sue you for lost income. Add legal costs like attorney fees and other legal fees, and you can see why liability claims can exceed your current insurance coverages.

Broader coverage

Another benefit of subscribing to umbrella insurance is that it provides broader coverage than other liability insurance coverages. Besides covering bodily liability and property liability, umbrella insurance covers personal liabilities like libel and slander excluded in conventional liability coverages.

Besides, while boat, home, and auto insurance policies aren’t recognized outside the US, umbrella insurance covers you anywhere in the world.

Buy umbrella insurance today!

After reading this post, if you’ve discovered that umbrella insurance is for you, reach out to Sloan Insurance Agency in Elmer, NJ, and get your assets covered beyond what you can imagine!

What Exactly Does Flood Insurance Cover?

Flooding is the most common natural disaster in the United States that destroys hundreds of homes and properties every year. Those homeowners who want to make sure that their homes are fully protected, especially if they live in flood-prone areas, purchase special flood insurance. It is not a mandatory type of insurance, but experts recommend to carry it anyway for additional protection. 

What Is Covered By Flood Insurance?

Standard flood insurance covers the following:

  • Foundation, anchorage systems, and staircases attached to the building. 
  • Appliances. It coves such built-in appliances, as dishwashers, dryers, and washing machines. Portable window air conditioners, refrigerators, and freezers with the food in them are also covered. 
  • Window treatments and carpeting. Any kind of carpet over wooden floors or installed carpet over the unfinished floor are usually covered by flood insurance. It also usually covers blinds and curtains. 
  • Essential systems. Plumbing and electrical systems, fuel tanks and the fuel in them, furnaces, water heaters, water tanks, pumps, and solar energy equipment. 
  • A detached garage. You can use up to 10% of your coverage toward a detached garage.
  • Personal belongings. Your personal items, such as electronics, clothing, furniture are also covered, as long as they are not stored in the basement. 

Sloan Insurance Agency serving Elmer, NJ – Your Safety and Safety of Your Home Is Our Priority

If you live in Elmer, NJ and you are thinking of getting flood insurance to protect your home and your personal belongings, Sloan Insurance Agency is the right company to contact. We provide tailored insurance solutions addressing the needs and requirements of our clients at competitive rates. If you have any questions about flood insurance, or you want to discuss insurance solutions, feel free to contact us. 

New Jersey Car Insurance — Tips to Prevent Car Theft

When you drive a car in New Jersey, you have several concerns on your mind. One of those concerns is theft. You worry about theft of your belongings, theft of the vehicle, theft overall. There are a number of things you can do to protect yourself here.

They are all things that insurance companies like you doing as well. At Sloan Insurance Agency, we want Elmer, NJ residents to have peace of mind over their assets. Take measures to make sure that your car won’t be stolen by implementing safety and security tips.

Use a Steering Wheel Lock

A car alarm is a great idea, but not as helpful as you might think. How many times have you seen passersby helping out when a car alarm goes off? Not often, because they accidentally go off all the time.

A steering wheel lock avoids worrying about the car alarm going off when you can’t detect it. This locks your steering wheel so a thief can’t take the car. You can get a lug nut lock for your wheels as well so that your tires can’t be stolen.

Don’t Leave Valuables in Your Car

We all leave valuables in our car whether it’s a bad idea or not. We get comfortable with our cars, our neighborhoods, our stuff. Leaving valuables in your car is not a good idea.
If you have money, ID, or even jewelry that you need to keep every day, keep it in a bag in your purse or your briefcase. A dash cam in your car shouldn’t be left in your car when you aren’t there. Any tech should be taken out of the car when not in use. Tech is very tempting to thieves in the night.

Get Home Security Cameras

An easy way to protect your car from thieves is to keep security cameras on your car from your home. Park your car under lighting and aim the camera at your car, and you can catch them in the act. You may not deter them unless they know they are there. But you will be closer to catching them than you would be without it.

Secure Your Car Today

At Sloan Insurance Agency, we know Elmer, NJ residents want to keep their cars safe. There is no foolproof method, but these tips will help. And your insurance company will like them. Call us for a quote to find the best auto insurance today.