Your Insurance Questions Answered

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.

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.

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.

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.

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

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.

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

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

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.

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

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

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.

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

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

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

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

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

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

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

Yes, but you need to list them as drivers on your policy or ensure they have their own insurance that meets your coverage requirements.

General liability insurance protects your business from financial loss due to third-party claims of bodily injury, property damage, and personal or advertising injury.

Yes, it's recommended for businesses of all sizes to protect against common risks that can result in costly lawsuits.

The commercial auto insurance policy covers accidents caused by your employees while driving company vehicles for business purposes.