Frequently Asked Questions

We insure your life.

Have Questions?

Speak with an expert today if you have any frequently asked questions about what policy is best for you and your family. Protect what matters most to you. 

Common Questions:

This is the insurance coverage that protects you and the people in your vehicle if some one hits you with inadequate coverage or no auto insurance coverage.

Collision coverage provides reimbursement for Physical damage to your vehicle after it has been in an accident, regardless of fault . Subject to your deductible.

Comprehensive coverage provides reimbursement for windshield breakage / striking an animal/ fire/ theft/ vandalism/ flood. Subject to your deductible. We typically recommend a zero or no deductible here as comprehensive losses do not result in rate changes. Get a quote today and see how much you can save. 

Car insurance rates depend on a number of factors. These include:

  • Personal details like age, sex, and marital status
  • Where you live
  • Average annual distance driven
  • Your vehicle
  • Your credit
  • Your coverage amount and type

As a business owner, you should always feel comfortable with the amount of insurance you carry. Insurance can help you recover from events that would otherwise threaten your company and reduce the likelihood of staying in business. The key is to ensure you understand the true value to repair or replace what you have. When customizing a policy, your agent should take your location, your industry risks and your personal risk tolerance into account.

In addition to the BOP, you may need other types of small business insurance coverage based on the kind of work you do, the size of your company and your location. These could include:

  • Insurance for home-based businesses. Even if you work from home, you’ll still need to insure your business. Generally, homeowner’s insurance offers the appropriate coverage level for home based business-related property and equipment.
  • Professional liability insurance. This may be required as a separate policy, in addition to the BOP, to cover losses related to liability claims arising from mistakes or lapses of professional duties. Businesses offering professional services to their customers will often purchase this type of policy.
  • Commercial auto insurance. Company-owned vehicles will need to be insured through a commercial auto policy.
  • Health insurance. As a self-employed person, you may need to provide health insurance for yourself, your family and your employees.
  • Cyber insurance. Internet-based businesses or businesses that store their records online may need additional cyber protection against the risk of data breaches and malicious computer intrusions.
  • Commercial umbrella insurance. Provides liability coverage beyond the basic business insurance policy limits in the case of a catastrophic auto or business related event.

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