Frequently Asked Questions
Reviewed and updated by Insurance808 staff.
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Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if the business activities cause damage to someone else’s property.
If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.
If your business has employees, workers’ compensation insurance is usually required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.
Property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
Your tools and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected. With equipment floater coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.
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Reviewed and updated by Insurance808 staff.
While certificate holders are allowed to access policy information, and (in most cases) are informed of any changes, only an Additional Insured endorsement makes it so that the insurance actually applies to you. This becomes important when your business is sued for a contractor’s mistakes.
When a contractor has a claim, their insurance carrier may decide to later try to recoup the loss from other responsible parties – that means you. A waiver of subrogation takes away this option.
An umbrella policy extends the limits of the coverages a contractor already has. If a contractor has $1M General Liability and $3M Umbrella Liability, they can only use the Umbrella policy on General Liability claims that surpass the initial $1M limit.
Many don’t realize that what Cyber really covers is data. If a contractor’s computer is hacked, it would cover the data lost in the cyber attack – but it would also cover them if a file with client information was stolen from their car. What it doesn’t cover, are things like damaged electronics or lost revenue from a bug in a freelance developer’s code.
This is not an easy answer. 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 a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
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. Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value. When insuring a home or structure the insurance company needs to know the replacement cost. There are tools that our agents use to help approximate this value.
All payments should be directed to the insurance company unless specifically stated by your representative. Please see our “billing” section if you wish to pay by phone or have a question on your billing account.
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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.
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