When do You Need To Modify Your Insurance Coverage?

Having the right automobile insurance coverage is critical to help protect you from loss or various risks both on and off the road. Sometimes, however, you need to modify existing coverage to get the best solution for your situation. When you find it’s time to modify coverage, you can count on the experts at Bogden Insurance Agency in Berlin, CT to help you understand when it’s the right time. 

Modifying Insurance Coverages

So, there are times when you need to modify your insurance coverage. For example, if you purchase a vehicle and then make expensive modifications, you’ll want to look into getting more comprehensive coverage or even custom coverage. Additionally, if you have a vehicle that is more than ten years of age and has a value of less than a few thousand dollars, you might consider reducing your full-coverage insurance to the state minimum required coverage. 

Before modifying your insurance, however, you’ll want to speak with an expert insurance agent who can provide insight and suggestions to help you discover the best solution. They can work one on one with customers to analyze the current situation and suggest some modifications that suit their needs. 

Reach Out Today

Individuals with doubts about their current level of insurance coverage need to get the insight and recommendations necessary to optimize their insurance coverage to fit their lifestyle. Residents living in and around the Berlin, CT area should reach out to Bogden Insurance Agency to set up a consultation with one of our experts to get started assessing their current insurance needs. Each team member is committed to providing the best quality customer service and insurance products available. 

When is it necessary to have commercial insurance for a Connecticut business?

Anyone that is looking to be their own boss and wants to start a new business will need to find a place to open. When you are looking for a new place to start a business, it would be wise to consider Berlin, CT as it offers various amenities and advantages to small businesses. If you are going to be a business owner here, you will want to keep proper insurance.

There are various situations when having commercial insurance will be necessary:

When Raising Capital

One situation when having commercial insurance is necessary is when you want to raise capital. Having access to capital is necessary for many businesses. Whether you are bringing on investors or taking out a loan, there is a good chance you will be required to carry commercial insurance. Lenders, investors, and other stakeholders will want you to carry commercial insurance as it ultimately protects your business and its investment. 

When Hiring Employees

It can also be necessary to get commercial insurance when you want to hire new employees. For those that are in Connecticut, providing worker’s compensation insurance is a necessity in many cases. Not only is it a great way to protect your team and business, but not having coverage could end up being a legal violation as well. 

Give Us A Call

Anyone that lives in the Berlin, CT area will want to know that they are covered with insurance. Those who are looking for insurance support here should call the professionals with the Bogden Insurance Agency. There are many choices to make when looking for coverage and the Bogden Insurance Agency can give you the guidance that you need. This will give you comfort in knowing that you are making a wise selection when picking your next plan. 

Why Every Homeowner Needs Home Insurance

Home insurance is a vital way to protect your largest investments. Your investments in your home and in the belongings inside it represent your largest investments, and it’s important to protect them. You can do that with home insurance. These policies include several different kinds of coverage that are each important for your financial protection. If you own a home and don’t have home insurance, or you want to change to a new policy, call us now at Bogden Insurance Agency in Berlin, CT.

Why Every Homeowner Needs Home Insurance

Home Protection

As your largest investment, your home itself needs to be protected. Homes face a lot of risks that can cause them damage, and home insurance protects against that damage. Each policy has its own types of damaging events that it covers, and when one of those events happens, it can cause untold damage to your home. When there is damage to your home, your policy can then pay for it to be repaired. If your home is destroyed, the policy can pay to have it rebuilt as well. 

Protection for Your Belongings

The items inside your home represent another large investment, and you need to protect them. Your possessions inside your home are important, and they are worth a lot when you add them all up. That’s why this coverage is so important. It can pay for the damage done to your belongings by a damaging incident. 

Protection for Liability

If someone were to get injured in your home, you are highly likely to be held liable for the medical bills, lost wages, etc. With home insurance, that liability is covered, and the policy can pay for those bills. This can save you thousands in medical bills. 

Get Home Insurance

When you own a home and need to insure it, give us a call today at Bogden Insurance Agency in Berlin, CT.

How Renter’s Insurance Protects College Students

Protecting your college student in Berlin, CT requires taking many steps that you might not have considered. For example, renter’s insurance is an excellent option for when they move out of the house to their first apartment. We at Bogden Insurance Agency can help you understand why these policies are so critical.

What is Renter’s Insurance?

Renter’s insurance is a policy type that people renting a home can purchase to cover anything within their living environment. It covers only things that they own and not the building itself or any appliances that the homeowner installed for them to use.

The nice thing about these policies is that they’re typically designed to be fairly inexpensive and easy to use, meaning that your college student may pay for one without breaking the bank. Just as importantly, these policies can help to protect them from various types of serious loss.

How It Helps College Students

Renter’s insurance can protect your college student by covering all their items inside their apartment. While the apartment or house owner’s policy will protect the building, it will do nothing to protect anything that your college student owns, which could lead to a total loss for them.

As a result, renter’s insurance is a great option that can minimize their potential loss if the house burns down or is otherwise destroyed. For example, a renter’s insurance policy can replace things like computers, video game consoles, and even study guides if you itemize them in your coverage.

Finding a Great Policy

Are you interested in a renter’s insurance policy for your Berlin, CT college student? Then please contact us at Bogden Insurance Agency right away to learn more. These policies are often very inexpensive and can be added to your coverage option fairly easily.

How Umbrella Insurance Adds Extra Protection

Umbrella insurance is an excellent option if you’re looking for extra protection in Berlin, CT. Umbrella insurance can help protect you from lawsuits and other financial damages. These policies are typically very affordable, and they can give you peace of mind in knowing that you’re covered.

They aren’t stand-alone policies, however. You’ll need to have other insurance policies first, such as auto or homeowner’s insurance. Here’s how umbrella insurance can add an extra layer of protection for your family.

A representative from the Bogden Insurance Agency can help you understand your options and find the right policy for your needs.

How Umbrella Insurance Adds Extra Protection

Financial Protection

Umbrella insurance can help protect you from financial damages if you’re sued. If you’re found liable for damages, your umbrella policy can help pay your legal fees and any other monetary damages. An example of this might be if you’re involved in a car accident and are sued by the other driver. This protection can give you peace of mind knowing that you’re protected financially.

Asset Protection

Umbrella insurance can also help protect your assets. If you’re sued and found liable for damages, your umbrella policy can help pay for the damages. For example, if someone’s injured on your property, your umbrella policy can help pay for their medical bills. This protection can help you keep your assets safe in a lawsuit.

Umbrella insurance is a great way to add extra protection for your family. If you’re looking for additional security, consider umbrella insurance. Umbrella insurance can help protect you from financial damages and lawsuits. Contact Bogden Insurance Agency in Berlin, CT today to learn more about umbrella insurance. We’re here to help you find the right coverage for your needs.

What Does Condo Insurance Cover?

If you live in a condo, you’ll likely become familiar with two types of insurance: HO-6 or condo insurance and the condo association’s master policy. With a condominium, you are only responsible for the belongings within your unit or on private outdoor space and the walls within the home. Common areas such as elevators, gym, pool, lobby, and any other space shared with your neighbors will be covered under the condo association’s policy.

Although you’ll contribute towards the cost of the association’s policy through your dues, you are only responsible for having separate insurance for your personal unit. Bogden Insurance Agency in Berlin, CT offers you this guide to navigate condo insurance.

What Does Condo Insurance Cover?

In addition to covering your personal belongings, individual condo insurance also provides protection for a slew of other incidents and situations. For example, your policy will include liability coverage that will protect you from paying medical bills, legal fees, and other costs associated with a visitor or guest injuring themselves while inside your condo.

Additionally, your condo insurance policy is likely to include loss of use coverage, meaning that if your home is uninhabitable due to a covered incident, you’ll receive monetary assistance to live elsewhere up to your policy max. If your home is deemed a total loss, your condo insurance policy will include information on how much money the insurance company will contribute towards rebuilding your home. This coverage varies and could be set to the price paid for the condo when you purchased it, the expected value today, and more so be sure to speak with your insurance provider about which option is best for you.

At Bogden Insurance Agency in Berlin, CT we are committed to providing you with transparent and trustworthy service. Whether you are looking for condo insurance, auto insurance, or another type, we look forward to earning your business for years to come.


In-Depth Breakdown Of Auto Insurance Policies

Bogden Insurance Agency serves the Berlin, CT community and its surrounding areas. For over 10 years, we have helped our clients obtain coverage and protect what matters most. We are confident that we can help you find the coverage you’re looking for. We proudly serve as an independent agency. Working with multiple carriers across the East Coast allows us to offer our clients flexible coverage options.

In-Depth Breakdown Of Auto Insurance Policies

Auto insurance covers you as you travel around Berlin, CT and beyond. Operating a car can be dangerous at times due to the uncertain nature of road conditions, as well as the other drivers on the road. The policy covers your car if you are involved in an accident. Auto insurance assists with the necessary repairs to your vehicle. You are also covered if your vehicle accidentally hits someone and causes damage. Liability coverage also covers any medical treatment for an injured passenger. Comprehensive coverage protects you if your car is stolen or damaged due to a natural disaster or fire. You are also covered if your car accidentally hits a deer or some other animal while you’re on the road and damages occur.

While looking over your policy, you adjust it based on your unique needs. If you installed a custom engine, consider modified auto coverage. This type of coverage protects your vehicle against potential damages based on its new value. If you’re using your personal vehicle to perform work-related tasks, add commercial auto coverage. Another option to consider adding to your policy is uninsured motorist coverage. This type of coverage protects you if your car is hit by a driver who does not have coverage.

Bogden Insurance Agency Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.  

Is Commercial Insurance Required in CT?

Not every state requires the same type or amount of commercial insurance. Specific to Connecticut, businesses are required to carry two different kinds – workers’ compensation insurance and commercial auto insurance. As the name implies, workers’ compensation helps pay medical bills associated with workplace injuries and illnesses along with lost wages incurred while the employee is recovering.

In Connecticut, any business with employees – full-time or part-time – is required to have workers’ compensation insurance. However, if it is a household employee that works fewer than 26 hours per week, workers’ compensation insurance is not mandated. Any business owned vehicle must be covered by commercial auto insurance that protects against financial loss if an auto accident occurs. Although not required, if your employees use their personal vehicles for work purposes then hired and non-owned auto insurance should be utilized as personal auto policies exclude business use. 

In addition to workers’ compensation and commercial auto insurance policies, CT business owners may want to consider professional liability insurance and cyber liability insurance. Professional liability insurance, otherwise known as errors and omissions insurance, helps to protect professional services and covers lawsuits over late, erroneous, or undelivered work. Conversely, cyber liability insurance helps to cover the monetary damages and losses associated with data breaches and cyber attacks. 

Owning a business is the epitome of the American dream and it is important to protect your livelihood. At Bogden Insurance Agency in Berlin, CT our friendly and knowledgeable team of insurance professionals are ready and willing to assist with all your commercial insurance needs. Give us a call today to schedule an appointment to learn more about how we can help you. 

What You Need To Know About Home Insurance

To properly protect the investment you have made in your home, you will need the proper home insurance in place. At Bogden Insurance Agency we provide solid insurance information so that you can always feel great about your insurance choices in Berlin, CT and the surrounding areas. Keep reading to learn more. 

Why Do I Need Home Insurance?

Home insurance is often required by mortgage companies if a home is being financed. Even if a home is not being financed, though, home insurance is the only way to truly protect the investment you have made. If your home is damaged because of fire, natural disaster, or burglary, you will be left without a place to live and responsible for repairs or replacement of your home. A solid home insurance policy protects you from this. 

What Does Home Insurance Cover?

Each home insurance policy can be customized to suit your particular needs, but in general, most policies will provide the following type of coverage:

  • Property damage- Property damage can happen due to fire, natural disaster, or burglary. When this happens, you can be left vulnerable. This type of coverage will pay for repairs or replacement of your lost property. 
  • Liability coverage- If someone is injured on your property or within your home, you will be the one held responsible for the expenses that are incurred. This can be devastating for you and your family if medical bills are extensive or if legal fees result. Liability coverage will pay these expenses for you. 

If you would like to learn more about home insurance, or any of our other insurance products, please contact us at Bogden Insurance Agency, serving Berlin, CT, and the surrounding areas. 

What are the Benefits of Umbrella Insurance?

Just like an umbrella protects you from rain, umbrella insurance can rescue you during rainy days. You may have car, auto and home insurance, but these coverages can only do so much when faced with significant liability claims. Unfortunately, when your typical liabilities run out, your personal assets are usually at stake. Luckily, investing in umbrella insurance from Bogden Insurance Agency in Berlin, CT offers you extra liability protection. The other benefits include:

Protects your assets

Given the ubiquitous nature of lawsuits, umbrella insurance protects your assets and future income when sued. Imagine someone coming to claim your hard-earned assets? It can be frustrating and dispiriting. For this reason, you need umbrella insurance to protect your assets when faced with significant liability claims.  

Provides broader coverage

Umbrella insurance not only gives you high coverage but also gives you broader coverage. What does this mean? Umbrella insurance cushions you against liabilities that aren’t covered by other conventional liability coverages. For instance, umbrella insurance covers libel, slander, false arrest, and malicious prosecution — liabilities not covered by other insurance policies.

Additionally, umbrella insurance doesn’t have geographical limitations. It can cover you beyond America as long as your policy is up-to-date.

It’s affordable

Umbrella insurance gives high liability coverage, but it’s surprisingly affordable. Since it rides on other existing coverages, this makes umbrella insurance more affordable than you think.

Peace of mind

When you have umbrella insurance, you don’t have to spend sleepless nights thinking of who is coming for your assets. With umbrella insurance, you don’t have to worry because it protects your assets and future.

Buy umbrella insurance in Berlin, CT

Ready to enjoy the benefits of umbrella insurance? Why don’t you get in touch with Bogden Insurance Agency? We understand how valuable your assets are, and that’s why we provide comprehensive umbrella insurance to protect what matters to you most.