As an independent insurance agency, personal lines is an important part of the products
At Body-Borneman, we know that our clients have more than automobiles and homes
Body-Borneman specializes in Commercial insurance, with over 2,000 clients
Body Borneman Insurance is committed to service its clients every need. They specializes in commercial insurance, whether your business is manufacturing, wholesaling, contracting, retailing or service, they can design a program of protection to match your needs. The business is an independent agency, they represent a large diversity of most competitive carriers for many companies. They are a reliable insurance and their solution is to that help protect individuals property and vendible at the lowest cost. And to achieve this goal they work conjointly with its accounts to accomplish this goal, with its risk management process. Making sure the business can grow in the future.
Risk management is the art of the business, the process of planning, organizing, leading, and controlling the comings and goings of the organization in order to downplay the effects of risk on their property and earnings. One of the major benefit of the risk management is the low cost of the business insurance both long and short term. Short term savings comes from premium credit, which most business get more attractive if they carry out a loss control program. And long term savings comes from lower loss knowledge. The risk management involves many task to make it a success, such as, understanding the organization and its risks, then deciding how to finance the risk. What to ensure, develop policy on risk, identify the risks, establish the risk retention level, what limit, establish contractual liability posture and evaluate potential mergers.
Loss control involves environment costs, employee and public safety, security and crime control, fixed assets protection also liability and litigation control. Claim management, see that the claims are reported, subrogate, negotiate claims with insurers and maintain claims database. Administration, maintain property valuations, prepare budgets and forecast, allocate risk costs, report to management, monitor certificates of insurance, report loss exposures to insurers, and check insurance policies.
When looking for insurance you need someone who would have your best interest in mind, there are four locations today;
17 E. Philadelphia Avenue
Boyertown, PA 19512
230E. Schuylkill Road
Pottstown, PA 19465
1389 East Boot Road
2nd floor, Above Vano’s Pizza
West Chester, PA 19380
400 Franklin Avenue Suite 205
Phoenixville, PA 19460
The Boyertown office is the corporate headquarters, equipped with automation to service your every need. Everyone home owner should have home insurance, in case of a natural disaster, storm, fire or other incidents. Even if you feel you are not threatened by any natural disaster, you never know what can happen. Lots of people don’t feel the need and don’t get insured then something actually occurs, then you have to worry about getting money in order. Besides that, all persons with a mortgage are legally required to have home insurance. And after insuring your home, you have to then secure it. There are steps to get a lower rate, which could pay off in the long run. For instance, if you don’t stay in a flood zone and get flooded, one of the reason why flood insurance is a popular product to add to your policy.
The first thing to do when searching for insurance is to look for someone who has your best interest in mind, the easiest way to cut your costs is to increase your deductibles. Then you need to work with an agent to fit your needs. And for home insurance, when you get a wind mitigation inspection you will get feature that will help you save some money. Naturally, if you choose to have a pool or other features you might find that rates are also higher. To keep them down update with the latest safety features, like a monitored alarm.
When making a claim there is a process every claim has to go through until it can be a successful one, and with Body Borneman they work throughout your entire claim process, from initial response through final resolution, to provide fast, caring service to settle your claim. You need to report you claim as soon as possible to begin resolving your claim immediately. When you are contacted by the claim representative you will be able to discuss you claim, you need to ask all the questions you might have about deductibles, what’s covered or the repairs. You will also need to schedule an inspection of your vehicle. Then your vehicle will be inspected and an estimate for repairs will be given. They will take care of your every need, whether you need towing, or if you prefer to use your own repair shop. Either option, they will make an appointment when you report your claim. If you need a rental car, your claim representative can make arrangements for one. Your rental may be covered depending on your policy coverages and the circumstances of your claim. And the same goes for any insurance claim whether it is home, life or auto, your every need will be met.
With Body Borneman, they help customers to protect more than just their health, income and saving from the risk of financial loss. With any insurance you get you also have coverage for life insurance coverage, debt retirement planning, health insurance coverage, estate planning, saving planning, LTC coverage, college planning, disability insurance whether it be group or individual, retirement planning, dental and vision whether it be group or individual.
Many companies offer professional liability insurance, covering losses resulting from acts which are legally deemed to be negligent and result in damage to the person or property. When you look back on the history of professional liability insurance, there is one fact, it extended to a great many activities. There are many forms of professional liability insurance, such as professional liability for doctors, solicitors, marine liability for boat owners, cargo operators, and ferry companies. This is product liability for manufacturers of goods. Absolute liability is a specific kind of liability for persons or property where, by law or they must assume responsibility for their damage, no matter how much care is taken to avoid the accident. Today we must consider when in an accident, what would happen if the case was taken to court. The court has a tendency to award damages even in cases where the product was willfully misused. And if you use the risk assessment tool, which is provided free of charge, you will get some advantages such as, your company’s regulatory compliance will be stronger, employee related liability and related costs will be reduced. Also, your company budget will be enhanced as you will get advantages in recruiting, hiring, and keeping the best employees. A very important type of insurance for your business.
When you have a business you need that peace of mind, and the two things that would make your business better and stronger are clients and insurance. Clients bring the money and the insurance bring you the coverage you need to keep your business growing and stable. You need to make sure that you have the right policy to reduce your risk. The more protections you have, the less likely you are to have a breach that can result in a claim. Don’t think like some people, that you don’t need liability insurance because your business is not big enough or you don’t make enough to spend on liability insurance. Body Borneman Insurance can find a policy to cover all your needs at an affordable price more than you can think.
With whole life insurance, it is a permanent policy, which covers the contract holder for their entire life. Should the holder pass away, the beneficiaries are paid the amount insured whoever that maybe. This type of life insurance has a cash value, unlike any other insurance. This type of insurance requires you to pay their premium for the rest of their life, so the cash value will go up and accumulate over time. That way your family will have that extra protection necessary after you pass, they can take care of all possible debts and other expenses that arise after a death. The purchaser of the life insurance can borrow money from the cash value, of course there will be interest paid out, it is required, which can be covered by the death benefit of the whole life policy after the purchaser dies. A purchaser is only charged for taxes if the amount borrowed goes over the limit, many people purchase this type of insurance so that they will be more inclined to save their money rather than to spend it endlessly. So many people use it as a kind of savings.
Paying a higher premium is worth purchasing whole life, want to know why? Well as long as you pay your premium on time, the policy will never go higher. So until the day you die, you will be paying a set premium which will all just accrue the cash value. The difference between term life and whole life insurance is simple, the term life insurance is cheaper. Because it is cheaper there is absolutely no cash value, and it last for 10 to 30 years. When with whole life, it gives you a cash payout that allows them to direct the money where they see fit and adds more stability to your family. A medical exam is always required, but you can ask the life insurance company you choose to purchase from.
Many insurance companies provide whole life insurance but with Body Borneman Insurance, they find the right company to provide you with whole life insurance. They can help you find life insurance at low premiums. They have the necessary knowledge to help you find a premium at an affordable price, and the whole life term you need. Life insurance should be important to everyone, knowing that they have set up a financial stability for their beneficiaries. Usually beneficiaries are family members, which the life insurance will pay the cash value to, after the death of the purchaser so there will also be death benefits to help your family cover the funeral expenses. Finding the right policy is essential for protecting your family and many feel that whole life insurance does exactly that, Body Borneman Insurance can help you find what you need.
Gap insurance is a coverage that will cover the actual cash value of your vehicle, if you have an accident then GAP will have the balance of the amount owed on your loan paid off. If you are currently leasing or leased a vehicle, then you should have this coverage. If you don’t have the right coverage and an accident occur then you will be stuck paying the remaining balance of the loan. If you were to buy a new car and the moment you leave with it and an accident somehow happened, the only protection you would have will be GAP. You will still be responsible for the monthly payments and loan amount, GAP will pay off the amount owed so that you can worry about any possible injuries acquires, purchasing a new vehicle, or any other bills that might occurred due to the accident. When you guaranteed auto protect, the amount owed on the car will be covered relative to its value. It’s additional to the coverage that many people tend to overlook, it’s essential for anyone who has an accident and still paying their loan. That way you will have a clean record and you will keep your credit in good standing too. If you bundle this with your current insurance policies, you will save on your overall premium just ask the associates at Body Borneman to add GAP coverage for you.
When considering GAP, many specifics come into play, you need to ask others how they feel about their GAP coverage, get some feedback. Assess the amount you owe on your loan and determine whether it is worth it for you to get GAP coverage added to your policy. Get quotes to see who can offer you the best coverage at the lowest premium. You should consider bundling GAP coverage with your current insurance policies. GAP is inexpensive especially if you decide to bundle or your insurance company allow you to bundle with Body Borneman. Any financial institution that you might go through for your loan has specific kind of insurance you need before you drive the vehicle off of the lot. To assure them that they will get their money regardless of what happens to the vehicle.
It’s better to be safe than sorry, you would not want to get stuck with more bills even if the company does not require you to get guaranteed auto protection, it should be in your best interest to do so. Knowing that you are not responsible for paying the remaining balance off on your vehicle if you are ever in an accident and the vehicle is assessed as a loss. You wouldn’t want to get stuck with car payments for a vehicle you no longer own, you will be in the market for another vehicle and will have another car payment on top of that if GAP wasn’t purchased.
When you hire Body Borneman Insurance, they will help you to find dependable GAP insurance coverage. Clients hire Body Borneman Insurance to help them find coverage they can afford, nothing more than what they can afford. They also negotiate with insurance companies to help lower the premium in any way possible. They will ask about discounts that you might be eligible for and even acquirements about bundling. Then they will give you the list of companies to go through, don’t waste any more time to add GAP to your premium. Anything is possible with Body Borneman Insurance, they are there to help meet your need and make protecting your family, home and life easier. Visit anyone of the four location to start saving money today.
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