FAQs

Many large enterprises have the same requirements for independent contractors as they do for full scale businesses. Education can go a long way in helping them lower them to [...]

While certificate holders are allowed to access policy information, and (in most cases) are informed of any changes, only an Additional Insured endorsement makes it so that the insurance [...]

When a contractor has a claim, their insurance carrier may decide to later try to recoup the loss from other responsible parties – that means you. A waiver of [...]

An umbrella policy extends the limits of the coverages a contractor already has. If a contractor has $1M General Liability and $3M Umbrella Liability, they can only use the [...]

Many don’t realize that what Cyber really covers is data. If a contractor’s computer is hacked, it would cover the data lost in the cyber attack – but it [...]

This is not an easy answer.  Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is [...]

An adjuster is a representative of the insurance company that helps settle a claim.  They are not employed by us.  We do not settle claims as this is done [...]

Scheduling involves placing specific items with a specific value on your homeowners insurance.  It can also be called an “Inland Marine” policy.  This allows coverage for items that may [...]

Replacement cost is the amount it costs to rebuild a home or structure.  This amount can also include demolition.  This value can be significantly different than an appraisal.  Reason being, [...]

Yes, it is the State law for all owners of a vehicle to have auto insurance.  It is your choice if you wish to insure for physical damage if [...]