<div class="fusion-layout-column fusion_builder_column fusion-builder-column-31 fusion_builder_column_1_1 1_1 fusion-flex-column" style="--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;"> 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.

Frequently Asked Questions

Below are some of the more frequent questions we receive as an agency. If you have a specific question please do not hesitate to give us a call or email.

What’s the Difference Between Certificate Holder and Additional Insured?Elizabeth Culley2024-05-07T09:56:31-07:00

What’s the Difference Between Certificate Holder and Additional Insured?

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.

What is a Waiver of Subrogation?Elizabeth Culley2024-05-07T09:56:31-07:00

What is a Waiver of Subrogation?

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.

Can Umbrella Replace Part of a Requirement?Elizabeth Culley2024-05-07T09:56:31-07:00

Can Umbrella Replace Part of a Requirement?

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.

What does Cyber Liability Insurance Cover?Elizabeth Culley2024-05-07T09:56:31-07:00

What does Cyber Liability Insurance Cover?

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.

Will turning in a claim automatically increase my insurance?Elizabeth Culley2024-05-07T09:56:31-07:00

Will turning in a claim automatically increase my insurance?

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.

What is an adjuster?Elizabeth Culley2024-05-07T09:56:31-07:00

What is an adjuster?

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.

What is the difference between “replacement cost” and “market value”?Elizabeth Culley2024-05-07T09:56:31-07:00

What is the difference between “replacement cost” and “market value”?

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.

Should I make my payments to your agency or the insurance company?Elizabeth Culley2024-05-07T09:56:31-07:00

Should I make my payments to your agency or the insurance company?

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.