Business Insurance FAQs Library


How can I get a Business Insurance quote?

That’s easy! Just call us or click over to our Business Insurance quote page for a free Business Insurance quote.


Do I have to buy Business Insurance from you if I get a free quote?

No. We provide quotes for all our insurance products without obligation and absolutely free of charge.


What if someone sues my business? Will a Business Insurance Policy cover me?

Generally speaking, yes. Whether you’re truly liable for the claims against you or no, a Business Insurance Policy covers you for any damages awarded against you up to the policy limits. Business insurance also covers you in the event of an out-of-court settlement.


Some policies also cover the cost of hiring an attorney and other costs related to defending yourself in court. It’s important to note, however, that a standard business insurance policy won’t cover suits arising from discrimination or harassment. For these, you need an “Employment Practices Liability Policy.”


What types of business insurance coverages are available?

Specific Business Insurance products include:


  • Commercial Auto
  • Commercial property
  • Small Business
  • Property and Umbrella
  • Worker’s compensation


Do I need really need Business Insurance?

Yes. Operating any kind of business—even a one-person operation—isn’t advisable.


What kinds of business-related property can I insure with a Business Insurance policy?

The following isn’t an all-inclusive list, but provides a fair overview of coverages for which you can use Business Insurance. For specific questions regarding business coverages, contact our offices:


  • Buildings and renovations
  • Machinery
  • Furniture
  • Supplies
  • Equipment
  • Money
  • Records and documents
  • Automobiles, including passenger vehicles and industrial trucks
  • Construction equipment
  • Signs, fences, and other, similar items
  • Intellectual properties (e.g., patents, trademarks, etc.)


If I run a business from my home, shouldn’t my homeowner’s insurance cover any business-related losses?

Relying on your homeowner’s policy to cover losses to your home-office is a dicey proposition. Homeowner’s policies aren’t meant for this kind of coverage, and they generally cap property losses at specific amounts.


If you’ve made significant investments in computers, fax machines, telephones, file cabinets, etc., you could easily reach and exceed your homeowner’s limits in the event of an unforeseen catastrophe. Even if you’re a one-person business operating out of the home, it’s a good idea to have a separate Business Insurance policy. Plus, your Homeowner’s policy won’t provide any business liability coverage.


What is a Business Owners Policy?

A Business Owners Policy (BOP) is a type of specialized policy for small-to-medium-sized businesses combining different coverages into a single policy. Sometimes referred to as a small business package insurance policy, BOPs can significantly reduce premiums. Call or email us today to find out if your business qualifies for a BOP.


Who does a Small Business Package Insurance Policy cover?

This depends on the size and type of your business. If you own your business as a sole proprietor, you and your spouse can be named as primary beneficiaries. If your company is a corporation, officers, directors, and others associated with the company can also be named as beneficiaries. It’s important to note, however, that BOP coverage only applies to business-related activities.


What business types are eligible for a BOP?

Generally speaking, the following types of businesses are best suited for Small Business Package Insurance:


  • Accountants
  • Repair shops
  • Bakeries
  • Dentists
  • Physicians
  • Funeral homes
  • Hair salons/Nail Salons
  • Laundry mats
  • Dry cleaners
  • Law firms
  • Locksmiths
  • Print shops
  • Shoe, watch, clock, and jewelry repair shops


What business types aren’t generally suitable for a BOP?

Larger businesses with risks that are beyond the coverages provided by Small Business Package Insurance don’t qualify for BOPs. To find out if your business is eligible, call our office today.


What is Business Umbrella Insurance?

Business Umbrella Insurance is a type of supplemental coverage that begins providing reimbursement when you reach the payout limits of standard Business Insurance policies. Business Umbrella Insurance works similarly to Personal Umbrella Insurance in that it reimburses you in the event that other policies aren’t sufficient to cover your losses.


What does an Umbrella Insurance Policy cover?

Umbrella Insurance provides supplementary coverage to standard policies in the event of:


  • Business-related personal-injury or property-damage claims arising from negligence by you or anyone legally representing your business


  • Business-related personal-injury or property-damage claims arising from an accident caused by hazards on your property


  • Business-related liability claims against you for events occurring on or off your property


  • Business-related liability claims against you related to an accident in a company-owned vehicle


  • Business-related liability claims against you for slander, libel, wrongful eviction, and/or false arrest


Business Umbrella Insurance can also cover legal costs associated with defending yourself in court.


How much umbrella coverage do I need to carry?

Because each business and circumstance is different, it’s impossible to provide a one-size-fits-all estimate regarding how much coverage businesses should carry. That said, the typical Umbrella policy provides reimbursement for between $1 and $10 million in liability damages.


What is Workers’ Compensation Insurance?

Worker’s Compensation Insurance protects your business if an employee suffers job-related injury or illness. It covers medical expenses and lost wages for sick or injured workers. If you don’t have workers’ compensation insurance, your business might be obligated to cover those expenses.


On which employees am I required to carry workers’ compensation?

In most states, all of a business’s regular employees must be covered by some form of workers’ compensation. Depending on what state you do business in, failure to provide workers’ compensation to applicable employees can result in significant fines, prohibition from public-works jobs, and other, potentially crippling penalties.

Motorcycle Insurance FAQs Library



How do I find the best Motorcycle Insurance and lowest possible rates for me?

We can help you with that. We shop our various partner providers to help find you the most-comprehensive coverage possible at the lowest possible rates. What are your insurance needs? Talk to us about it and we’ll help you find maximum coverages at minimum prices.


Does my motorcycle policy cover aftermarket add-ons?

Different policies provide various coverages levels, so this will largely depend on the policy you purchase. If you’ve made significant investments in aftermarket customizations to your bike, you’ll want to be sure they’re all covered.


What about my safety apparel? Is it covered?

Your helmet and leather riding clothes and jacket should all have accidental-damage coverage under your policy. However, most policies don’t provide theft coverage for safety apparel.


Am I eligible for a first-accident waiver?

Some companies will provide first-accident waivers for certain customers with otherwise clean driving records. Ask us about first-accident waivers when we start shopping for motorcycle coverage for you.


Are there any higher Liability-coverage limits available?

Yes. Depending on your situation and how often you ride, you might want to consider increasing your liability limits. These limits shield you in case you’re cited as having caused an accident. Many riders opt to carry the same liability limits they carry on their automobile.


Are there any available discounts for motorcycle coverage?

Many of the same discounts available for auto-insurance coverage apply to motorcycle coverage. For example, your motorcycle’s make, model, and age have an impact on rates. Before you buy a new or used cycle, call us first. We’ll give you comparison quotes between for the various makes, models, and model years you’re considering.


Riders can also lower their rates by bundling other policies with the same insurance provider.


Maintaining a safe riding and driving record is another effective way to lower premiums. Most providers will reward riders with lower premiums for going a certain number of years without having an accident. Being accident free in your regular vehicle can also impact your motorcycle rates.


You can also slightly lower your premium by paying an entire six-month coverage period at once, as opposed to paying it monthly.


You can also raise your deductible amount. The more you choose to pay out of pocket for a future claim, the less you will pay in premium.


Getting older—especially in the absence of serious accident or citation—will also automatically reduce your rates over time.


Beyond these most common ways to lower motorcycle insurance rates, a number of providers also offer various company-specific discounts. To find out what unique discounts your provider might offer, give them a call.


Can I get Roadside Assistance as part of my coverage?

Yes. Most companies offer optional Roadside Assistance in case your bike breaks down on the road. Generally speaking, this coverage adds relatively little expense to the overall premium. We can help you find reasonably-priced Roadside Assistance coverage through one of our various partner companies. Ask us about it.