Your Insurance Questions Answered

Contact your broker as soon as possible after a loss. They can guide you through the claims process, help you complete the necessary paperwork, and communicate with the insurance company on your behalf.

Yes, brokers specialize in finding solutions for unique or complicated insurance situations, using their expertise and industry connections to tailor coverage to your specific requirements.

Endorsements or riders are additions or modifications to your insurance policy that provide extra coverage or alter the standard terms, allowing you to customize your policy to fit your needs better.

Rates can increase due to factors like filing claims, changes in your credit score, adding coverage, moving to an area with higher risks, or overall cost increases in the insurance industry.

It's recommended to review your policies annually or whenever you experience significant life changes, such as buying a new home, getting married, or starting a business.

Commercial auto insurance provides coverage for vehicles used for business purposes, protecting against liabilities and damages resulting from accidents involving company vehicles.

Brokers help businesses identify potential risks, recommend appropriate coverage options, navigate the complexities of commercial insurance, and negotiate better terms or premiums due to their industry relationships.

Look for a licensed professional with experience in the type of insurance you need, positive references or reviews, clear communication skills, and someone who understands and prioritizes your specific needs.

It covers a range of vehicles, including cars, trucks, vans, buses, and specialty vehicles like food trucks or utility vehicles used for business purposes.

If you use vehicles for business tasks beyond commuting, such as deliveries, transporting goods, or client visits, you need commercial auto insurance.

Personal auto insurance covers personal use of vehicles, while commercial auto insurance covers vehicles used for business activities, offering higher liability limits and specialized coverages.

Rates are based on factors like the type of vehicles, how they're used, driving records of employees, coverage limits, and the industry in which your business operates.

It covers liability for bodily injury and property damage, medical payments, uninsured/underinsured motorist coverage, collision, comprehensive, and sometimes hired or non-owned vehicles.

It can, but you should inform your insurer about personal use to ensure appropriate coverage is in place.

Yes, you should list all employees who will be driving company vehicles to ensure they are covered under the policy.

This provides liability coverage when employees use their personal vehicles for business purposes, protecting the company from potential lawsuits.

Yes, but you may need to add hired auto coverage to your policy to protect against liabilities when renting or leasing vehicles for business use.

An endorsement modifies your policy to add or change coverage, such as adding rental reimbursement or roadside assistance.

Implement driver safety programs, maintain vehicles properly, hire experienced drivers with clean records, and shop around for competitive rates.

Symbol 1 provides the broadest coverage, applying to any auto, offering liability coverage for any vehicle used in your business.

Standard policies usually exclude floods, earthquakes, pest infestations, and your roommate's belongings unless specifically added.

Yes, any number of vehicles used for business requires commercial auto insurance to ensure adequate coverage and compliance with laws.

Yes, businesses must carry at least the minimum required liability coverage as mandated by state laws for vehicles used commercially.

Using a personal vehicle for business may not be covered under personal auto insurance, risking denied claims; commercial auto insurance is recommended.