Reasons Why You Need Umbrella Insurance

 You have probably received several recommendations about getting umbrella insurance. You have likely not gotten it yet because you don’t understand why you need it. At The Insurance Outfit, we assist residents of Chester, NJ, to understand all insurance matters and get the best policies for their needs. Umbrella insurance basically protects your assets and future earnings from being raved by expensive lawsuits. Here are reasons why you should get umbrella insurance. 

1. If You Participate in Recreational Activities that Could Injure Others

Participating in recreational activities can be fun; however, some can be dangerous. Some examples include cycling, boating, and golfing, which can cause personal injury to others in the vicinity due to accidents. Having an umbrella policy can come in handy in protecting your financial well-being when dealing with personal injury lawsuits relating to your recreational activities. 

2. You Are a Landlord

Landlords are usually held accountable for personal injury to their tenants due to falls and slips caused by icy walkways, among other things. Additionally, they are responsible in court for damage to the tenants’ property that may result from fires caused by faulty electrical wiring. An umbrella policy will ensure you (the landlord) are protected from financial ruin if these unfortunate events occur to your tenants or their property. 

3. If You Own a Dog

Although dogs are amazing pets, they are still animals and predatory by nature. Sometimes your dog can have a bad day and cause personal injury to other people. An umbrella policy will ensure that you can come out of the lawsuit that will follow mostly unscathed. 

Get a Quote

If you want to purchase an umbrella policy in Chester, NJ, to protect your financial well-being from the effects of lawsuits, come to us at The Insurance Outfit. We offer unbeatable policies with competitive premiums. Call us today for a quote.  

5 Moments to update your life insurance in New Jersey

Life insurance requires more than a "set it and forget it" approach. The Insurance Outfit believes that life insurance should grow with you. Unfortunately, many don’t realize this until it’s too late. Even existing policyholders fail to make routine updates and adjustments. As life changes, so should your life insurance policy.

The Insurance Outfit can help. Located in Chester, NJ, the agency shares five life events that demand an immediate review of your life insurance needs.

Getting married

The sound of wedding bells is also a reminder to update your policy. If a spouse passes, it can leave behind a financial burden. In this way, life insurance is mainly for the surviving partner, enabling them to handle bills and expenses that may be left behind.

Owning a home

Most families rely on two sources of income. Mortgage payments can be a particular challenge. Life insurance supplements these payments, enabling your family to keep their home after you’re gone.

Expecting a baby

Having a child is already filled with worry, stress, and sleepless nights. Rest easier with life insurance. This secures and safeguards your child’s future.

Starting a company

Bringing a new business into the world can be equally scary. Life insurance could help your family assume control and keep the doors open after you’ve passed. But it’s suitable for investors too. Life insurance grants them peace of mind, stability, and continuity also.


Life insurance serves two primary purposes: reducing risk and replacing lost wages. Both of these are less important during retirement. For this reason, you might consider decreasing your coverage. Social Security and pensions may be enough.

Contact an agency serving New Jersey.

The Insurance Outfit can fit you with a personalized life insurance policy that can adapt with you throughout your life. Schedule an appointment today.

How to Choose the Right Commercial Insurance Policy for Your Business

Businesses of all sizes need to protect themselves from potential risks and liabilities. While some companies may choose to self-insure, most will need to purchase a commercial insurance policy. But with so many policies and providers available, how do you know which one is right for your business? Here are some tips on choosing the right commercial insurance policy for your business.

1. Assess Your Risks

No two businesses are alike, so it’s essential to tailor your insurance policy to fit your specific needs. The first step is understanding what risks your business faces. To get started, answer the following questions:

  • What type of product or service do you sell?
  • What are the potential consequences of a mistake on your part?
  • Do you have any employees? If so, what kind of training do they receive?
  • Do you operate in a high-risk industry?

Once you’ve identified your risks, you can start shopping for the right insurance policy.

2. Decide What Coverage You Need

The next step is to decide what coverage you need. There are many different types of commercial insurance policies, so it’s important to find the one that fits your business. Some of the most common types of coverage include general liability, property damage, product liability, and workers’ compensation.

3. Work with an Experienced Agent or Broker

Once you know what type of coverage you need, it’s time to find an experienced agent or broker. The Insurance Outfit can help you find the right policy for your business. We have years of experience and knowledge in the commercial insurance industry, so we can help you find the best coverage at the most competitive rates.

4. Read the Fine Print

Before you sign on the dotted line, read the fine print. It’s important to understand what your policy covers and doesn’t cover. If you have any questions, ask your agent or broker.

The Insurance Outfit can help you find the right commercial insurance policy for your business in Chester, NJ. We have years of experience and knowledge in the commercial insurance industry, so we can help you find the best coverage at the most competitive rates. Contact us today to get started.

Should I get health insurance in New Jersey?

In the Chester, NJ area, there are a lot of types of insurance coverage to consider getting. With the right coverage, you can protect assets, reduce liability costs, and obtain other forms of insurance support. When you are looking to improve your insurance positioning, you should also consider your health insurance needs. There are multiple reasons that the typical person here will need to carry this coverage. 

Have Access to Affordable Care

One of the reasons to get a proper health insurance plan in New Jersey is to ensure you can gain access to affordable care. Anyone that has had to receive a medical procedure or emergency care will know how quickly medical expenses can add up. If you are properly insured, you can help to manage these costs as you will have coverage, annual caps, and other protections to limit your personal expenses to receive quality care.

Remain in Compliance with Requirements

You should also get a health insurance policy to ensure you remain compliant with any obligations. All people across the country today are obligated to carry proper health insurance at all times. You will typically need to offer evidence of full coverage when tax returns are filed. Without appropriate evidence of health insurance coverage, you can face various penalties and fines. 

Anyone that is in the Chester, NJ area needs to ensure they remain covered with health insurance. When you are looking for a new plan in this area, it would be helpful for you to call The Insurance Outfit. There are a lot of decisions and choices to make when you are looking for a new health insurance plan. The professionals with The Insurance Outfit can give the support that is needed to build a plan and help ensure you are properly covered. 

Protect your future with a disability policy

If you are in the greater Chester, NJ area and want to protect your future, it’s time to meet The Insurance Outfit. Our team is here to help you with all of your insurance needs, including disability policies. If you would like to learn more about this effective policy type, give our office a call today.

Protect your future with a disability policy

No one knows what the future holds, but that doesn’t mean that we can’t take steps to prepare for the future. We all want to enjoy a full and healthy life, but unfortunately, that does not always happen.

If you want to make sure that you have the protection you need should you succumb to a disability in the future, now is the time to begin planning. With the right disability policy, you can be covered in the event that you are no longer able to work or fully care for yourself. Some employers do provide some amount of disability protection, but those policies are usually for a short-term event and are no longer in place once you leave that job.

By having your own disability policy in place, you can face the future knowing that you have coverage for many unexpected events that can happen. Protecting one’s health is becoming more and more important. And if you are no longer healthy enough to work, it can have a significant effect on your quality of life. Now is a perfect time to learn more!

Find out more about your options today!

Chester, NJ area residents can get all of their insurance needs met by working with The Insurance Outfit. If you want to find out more about how a disability policy can help protect your future, give us a call today!

FAQs about ATV Insurance

All-terrain vehicles (ATVs) are used to adventure all types of terrains, ranging from the woods to open fields. While ATVs are specially-designed for safety, they are still vulnerable to accidents. But don’t worry because ATV insurance from The Insurance Outfit of Chester, NJ can protect you and your vehicle as you immerse yourself in a world of fun. But what does ATV insurance cover? Is it mandatory? Here is a FAQs section to help you learn more about ATV insurance.

Is ATV insurance mandatory?

Since ATVs aren’t supposed to be driven on open, public roads, ATV insurance isn’t mandatory. But even though you drive your ATV on private land, accidents can still happen to those around you. And as you know, liability claims can be quite expensive. For this reason, you need ATV insurance, whether mandatory or not.

What does ATV insurance cover?

Your ATV insurance contains coverages similar to your auto insurance. Here are some areas covered by ATV insurance:

  • Liability claims: ATV insurance covers liabilities for injuries and damages you cause to third parties. Better yet, it also covers you when sued.
  • Physical damage protection: Comprehensive and collision coverages pay for the loss or damage sustained by your RV. These coverages protect your ATV from perils like fire, accidents, theft, falling objects, and certain natural disasters.
  • Medical Payments: The same way property can be destroyed in an ATV accident, you can also suffer injuries that need medical attention. As such, ATV insurance can supplement your health insurance to cover your medical bills.

Is ATV insurance expensive?

Since your ATV isn’t a daily drive, ATV insurance is significantly cheaper than insurance for your vehicle. Still doubting? Talk to The Insurance Outfit, and you will be surprised how affordable this coverage is.

Where can I get ATV insurance in Chester, NJ?

Looking for ATV insurance in Chester, NJ? Please get in touch with The Insurance Outfit. Our team will take you through the different ATV insurance options and help you choose the right coverage for you.

What is Jewelry Insurance, and What Does it Cover?

You are taking stock of the jewelry under your possession, and you are just thrilled by what you see. From the ruby necklace heirloom you got from your grandma to the engagement ring on your finger, these pieces of jewelry evoke fun and memories. You might think that the jewelry box is the safest place, but what if you lose your precious jewelry through burglary or fire? Folks, that’s where jewelry insurance from The Insurance Outfit in Chester, NJ comes into play.

What is jewelry insurance?

You might think that standard home insurance covers your jewelry, but this insurance policy only provides limited protection. Home insurance protects your jewelry from perils like fire, theft, tornado, and vandalism but usually limits the coverage to a maximum of $1,500, especially for theft. Why is the limit so low? Because jewelry is precious and so easy to steal!

Given the value and attachment you have for jewelry, you can’t take chances by just relying on home insurance. Stand-alone jewelry insurance gives optimal protection for your valuables by giving higher and broader coverage compared to home insurance.

What does jewelry insurance cover?

The thought of losing that valuable ruby necklace or engagement ring doesn’t sit well with you. But because you can’t prevent perils 100%, you need jewelry insurance to protect your high-priced items. Jewelry insurance covers the below:

  • It covers the loss of your jewelry through theft, accidental loss, and damage to your jewelry
  • Covers part loss of your jewelry. For instance, if you lose one diamond earring
  • Covers your jewelry even on international trips

There is the obvious misconception that home insurance covers your jewelry just like other assets. The truth is that home insurance gives little coverage for your jewelry. That said, you need jewelry insurance for optimal protection. Ready to buy jewelry insurance in Chester, NJ? Please get in touch with The Insurance Outfit for a competitive quote. 

Common Auto Insurance Exclusions

Whether you are leasing or buying a car, one thing you must buy is auto insurance. But because of the excitement of buying a new ride, you may not be too keen to read your policy document. This mishap may not cause a problem immediately but might be costly when involved in an accident. At The Insurance Outfit of Chester, NJ, we would like to inform you about common auto insurance exclusions to ensure you don’t get surprises when filing a claim.

Mechanical breakdown

Is the engine of your car failing you? Or perhaps the transmission is jerking incessantly? If the mechanical breakdown doesn’t result from damage suffered during an accident, car insurance won’t cover it.

Intentional damage

This is pretty obvious, but we will still say it because it happens. You can’t intentionally crash your car against another car during a road rage and expect compensation from your insurer. Similarly, if an experimental paint job goes wrong, you can’t run to your insurer for compensation.

Personal property exclusion

Suppose you are involved in an accident, and your laptop becomes damaged. Your car insurance policy will cover the damage to your car but not the damage to the laptop. Similarly, if personal items are stolen when inside your car, auto insurance won’t cover them. However, you can get compensation if you have renter’s insurance.

Commercial use exclusion

If you use your personal vehicle for commercial reasons, you may not be compensated for damages if an accident occurs while running business operations. For this reason, it would be best to invest in commercial auto insurance to avoid undergoing such a predicament.

Drag racing

Racing might be your thing, but know that typical car insurance won’t cover you for damages and injuries sustained in racing events.

Want to learn more about auto insurance? Would you please get in touch with The Insurance Outfit of Chester, NJ?

4 Benefits of RV Insurance

Ever heard of RV insurance? For those not familiar with RV insurance, it’s an insurance policy protecting recreational vehicles of all kinds. Whether it’s a campervan, motorhome, travel trailer, fifth wheel, or any other kind of vessel classified as a recreational vehicle, RV insurance got your back. Do you reside in Chester, NJ and own an RV? Below are the 4 benefits you accrue if you purchase RV insurance from The Insurance Outfit.

Protects your asset

Besides the monetary value, putting a price on your RV is quite something. Your RV is a place you have created many memories. Given that your RV is a precious investment to you, you need RV insurance to protect it from accidents, natural disasters, theft, and burglary.

RV insurance compensates you for the damages you incur from accidents and other perils. It can also compensate you for the entire RV if it’s totaled or stolen.

Liability protection

Sometimes mishaps can happen on the road. Unfortunately, if you are at fault, you could be held liable for injuries and damages you inflict on other people. Worse yet, you can be sued by the aggrieved parties, worsening your financial burden. The good news is that RV insurance can cover liability costs, including legal costs.


RV insurance isn’t a one-size-fits-all coverage. It has numerous coverages to help you choose the best options for you. From comprehensive, collision, MedPay, liability to personal items coverage, there is a wide range of coverages you can pick for your recreational vehicle.

Peace of mind

RVs are meant to be fun. And one way to ensure that the fun rages on is to invest in RV insurance. This way, you don’t have to think about accidents and other risks while enjoying your RV.

Invest in RV insurance in Chester, NJ

If you want to enjoy your RV to the fullest in Chester, NJ, consider RV insurance from The Insurance Outfit. Contact us today, and we will give the coverage that suits your budget and lifestyle.

New Jersey Boat Insurance: What is Navigational Extension Coverage?

When you have a boat in New Jersey, you have to comply with maritime law, even if you don’t have boat insurance. One important component of maritime law is that you are unable to move your vessel beyond what are called navigational limits. 

That is typically approximately 250 miles from the shore from where your boat is located. In the event that you go outside of these navigational limits, you can use navigational extension coverage to cover any liabilities you might incur with that.

At The Insurance Outfit, we want Chester, NJ boat owners to be protected against every risk and liability. We can help you to understand why navigational extension coverage is important.

Navigational Extension Coverage

It happens. You are having a great time on the boat, and weather arises or you sail farther than you intended to. You could have an accident outside your limits, or get in trouble with the Coast Guard.

Navigational extension coverage helps you to understand where you can and cannot take your vessel. It will also protect you financially in the event that an accident happens. 

Navigational Limits Insurance Terms

Understanding the terms of navigational limits will help you to get the most out of your insurance policy. Most boat insurance policies will contain the terms of “port risk afloat” or “port risk ashore.”

The term afloat in your policy will mean the boat is in the water but isn’t navigating. The term ashore means that you have brought your boat in and off the water. 

If your policy only covers inland and coastal areas, you will not be permitted to go more than approximately 5 miles away from the shore. If something happens when you are farther away, your boat insurance will not cover it. 

Get a Quote

New Jersey boat insurance terms can seem confusing, particularly when it comes to navigation limits. At The Insurance Outfit, we want Chester, NJ boat owners to know their limits, and have coverage for them. Call us for a quote today.