Workers Compensation insurance is a required in almost every state. It covers the cost for benefits to employees with work-related injuries or illnesses, including medical, wage loss, and death benefits. Workers Comp is priced based on payroll and job [...]
Business Owner Policies, or BOP's, allow small businesses to bundle essential coverages into a single package policy. BOP's are designed to meet most of the commercial insurance needs of small businesses by combining property, business income, and liability coverages. [...]
Generally, you will file your claim directly with the insurance carrier you purchase a policy through. We can help facilitate that and help along the way with communication between you and the insurance company. We’re in this with you!
Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in [...]
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 be leaving your premises and would then be lost or [...]
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. That's because the cost of materials to rebuild can exceed a [...]
Yes, state insurance laws require all vehicle owners to carry auto liability insurance, which covers Bodily Injury Liability, as well as Property Damage Liability. The minimum required liability limits vary by state. Coverage for physical damage to your own [...]
Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident. There are also options to choose “regular” and “limited”. These options should be discussed with your agent. [...]