Frequently Asked Questions

Are there different types of coverage within my policy?

Yes, insurance policies often include various types of coverage tailored to your needs. For example, an auto insurance policy may include coverage for bodily injury liability, property damage liability, collision, comprehensive, and more.

Review your policy or contact us to understand the specific coverage options included in your policy.

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My policy has so many documents! Are there main documents I should be paying attention to?

Yes! Here are the key documents you should focus on:

• Binder: A binder is a temporary document that provides proof of insurance until the full policy is issued. It includes key details about your coverage and is typically used when you first purchase a policy.
• Declaration Page: This is the most important and easiest to read. It provides a summary of all your coverages. If there is no price listed next to a coverage, it likely means you don't have that coverage.
• ID Card: If this is an auto policy, you will have an ID card as proof of the liability portion of your coverage. Keep this in your vehicle at all times.
• Certificate of Insurance: This is often provided by your agent and offers a summary of all your coverages. While it is not as detailed as the declaration page or the full policy, it is useful for quickly verifying your insurance status.

By focusing on these documents, you can easily understand the main aspects of your insurance policy and ensure you have the coverage you need.

Need help understanding your policy documents? Call us now for assistance!

Is it necessary for my enterprise to purchase workers’ compensation insurance?

In most of the states, worker's compensation is compulsory by law for any company that houses employees. By means of our agent, you can take advantage of the regulatory requirements at the state level and, therefore operate within the framework of the state laws. We will take you through the process to make sure you have the right coverage for your staff and your business on hand.

I am a business owner and would like to insure my business. What insurance do I need?

The type of insurance your business needs largely depends on the nature of your business and the type of exposure it faces. Here are some common types of business insurance:

• General Liability Insurance: Covers claims of bodily injury, property damage, and personal injury related to your business operations.
• Commercial Property Insurance: Protects your business property, including buildings, equipment, and inventory, against damages from events like fire, theft, and natural disasters.
• Business Interruption Insurance: Covers lost income and operating expenses if your business is temporarily shut down due to a covered event.
• Workers' Compensation Insurance: Provides benefits to employees who get injured or sick from job-related activities, covering medical expenses and lost wages.
• Commercial Auto Insurance: Covers vehicles used for business purposes, including liability and physical damage coverage.
• Professional Liability Insurance: Also known as Errors and Omissions (E&O) insurance, this covers claims of negligence, mistakes, or failure to perform professional services.
• Product Liability Insurance: Protects against claims related to the manufacture or sale of products that cause harm or injury.
• Cyber Liability Insurance: Covers losses from data breaches, cyberattacks, and other technology-related risks.
• Directors and Officers (D&O) Insurance: Protects the personal assets of your company's directors and officers in case they are sued for wrongful acts in managing the company.

Choosing the right insurance policies depends on your business type, industry, and specific needs. Consulting with an insurance agent can help you determine the best coverage options for your business.

Not sure what your business needs? Call us now to get a custom-tailored quote specifically for your business needs.

What if I need clarification on what a policy covers after I purchase it, or if I encounter any problems?

Our independent insurance agents, who are committed, will always be with you as you progress every step. Whether you are receiving your policy, making any changes, or even filing a claim, regardless of your preferred method of communication, you can count on us to be readily available to help you in any way that is necessary to give you the peace of mind that you need. Our aim would be to be there when you need us at all times by offering you quality client service and support.

What action should I take in case of an insurance claim?

In such cases, it will be necessary to contact your insurer as soon as possible after making a claim. Give all the information connected to the event, including documents that prove it. Please follow the instructions provided by your insurer and be cooperative all through the claims process to consequently have a smoothly sorted-out process.

I am buying a house. What documents do I need to get a quote?

First, we recommend conducting or obtaining inspections from the previous owner. These include:

• 4-Point Inspection
• Wind Mitigation Inspection
• General Inspection Report
• Property Appraisal

Your insurance price will largely depend on factors such as:

• The age of your house
• The estimated rebuild cost
• Whether it is in a flood zone or an area prone to hurricanes

Having these inspections completed will help determine the necessary coverage and ensure you get the best possible rate for your homeowners insurance.

Ready to get started? Call us now to get a personalized quote tailored specifically for your new home.