We are here to protect the car you love. Let’s work together to make sure you get an affordable price with the proper coverage you need.

What are the different types of coverages?

LIABILITIES

Bodily Injury liability: pays damages for bodily injury or death resulting from an accident for which you are at fault.

Property Damage liability: pays for damage to someone else’s property resulting from an accident for which you are at fault.

MEDICAL

Medical Payments coverage: may pay medical expenses related to a car accident.

Personal Injury Protection coverage: may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident.

UNINSURED/UNDERINSURED MOTORIST

Uninsured Motorist coverage: may help compensate you for your injuries or property damage caused by a driver without insurance.

Underinsured Motorist coverage: can protect you from at-fault drivers with insufficient insurance coverage to pay your claim.

VEHICLE

Collision coverage: may pay for damage to your car when it hits, or is hit by, another vehicle or other object.

Comprehensive coverage: may pay for damage to your car from theft, vandalism, flood, fire or other covered losses.

ADDITIONAL INSURANCE

Emergency Road Service: aids in roadside assistance to your policy for towing, battery service, flat tire service, fuel delivery, and lockout services. 

Rental Reimbursement: helps pay your rental car costs while your car is being repaired as a result of a covered claim.

Gap Insurance: will help bridge the “gap” between the actual cash value of policyholder vehicle and what they owe on their loan or lease.

Umbrella Insurance: helps protect policyholder from claims and lawsuits that may go beyond the limits and coverages of their current auto policy limits. It includes bodily injury and property damage liability coverages. It may help cover also home and any rental properties in the policy.

What is Property Insurance?

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. 

This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. 

Property is insured in two main ways – Open perils and Named perils:

1. Open perils – cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism, and war. 

2. Named perils – require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion, and theft.

Typical Events Covered by Property Insurance:

• Fire

• Lightning

• Explosion, Implosion

• Aircraft Damage

• Riot, Strike

• Terrorism

• Storm (including hailstorm, cyclone, typhoon, tempest, hurricane, tornado, flood)

• Impact Damage

• Malicious Damage

• Subsidence, Landslide

• Bursting or Overflowing of Tanks

• Missile Testing Operations

• Bush Fire

• Theft

Business insurance coverage comes in variety plans, all depending on the type of business. 

General Liability (GL) insurance is often referred to business insurance. It usually includes:

1. Bodily injury and property damage liability
2. Personal and advertising injury
3. Medical expenses
4. Electronic data liability
5. Products completed operations
6. Damage to premises rented to you
7. Defense costs
8. Actions of your full-time employees and temporary staff

It excludes:

• Your property
• Vehicles and boats
• Personal identifiable information
• Professional services
• Employee injury / workers’ compensation
• Intent to injure
• Coverage outside policy period
• Known claims prior to start of policy

A Business Owners Policy (BOP) is an insurance policy that combines the following into one package:

1. General Liability – insurance that protects your business from another person or business’ claims of bodily injury, associated medical cost, advertising injury,  and damage to their property.

2. Property Insurance – your business equipment and fixture at different office locations, including accidental damages. It can also pay for other things like debris removal, loss of income and pollution cleanup as part of a covered loss.

People purchase this policy when they:

• Need general liability insurance coverage.
• Have business equipment such as computers, printers and furniture.
• Own the building at which you work and need to insure the property.
• Own and work with large amounts of data on a regular basis.
• Have employees who could act dishonestly or steal clients’ property.

It’s popular among a variety of small and medium-sized businesses such as restaurants, wholesalers, retail stores and contractors.

Errors and Omissions (E & O Insurance) is  also known as professional liability insurance. It protects your business from claims of negligence related to a professional service. It covers:

1. Defense costs
2. Alleged or actual negligence
3. Temporary staff and independent contractors
4. Claims arising from services provided in the past
5. Claims and damages
6. Personal injury (e.g., libel or slander)
7. Copyright infringement

Not Covered:

• Employment matters
• Fraudulent acts
• Bodily injury or property damage
• Personally identifiable information
• Patents and trade secrets
• False advertising
• Other services

You need Workers Comp Insurance if you:

• Are ready to hire your first employee
• Have more than one full time employees
• Have one or more part-time employees

How does it work?

This coverage protects your employees and your business from work-related accidents, illnesses, or death. It also covers employees  on other locations for the job, such as when they visit clients or drive for business purposes. 

Common coverages include:

• Trips and falls
• Equipment or machinery
• Overexertion, sprains and strains
• Repetitive motion injuries (i.e. carpal tunnel syndrome or back pain)
• Sick building syndrome
• Mold exposure
• Mesothelimoma
• Asbestosis

Employees injured or sick on the job are entitled to medical payment and income loss. They might also be eligible for temporary and permanent disability benefits through this insurance. In the case of death, their beneficiaries also receive death benefits from this insurance.

If you don’t have carry workers compensation insurance when having employee(s) on the job, you could be liable for these costs in the event of a work-related accident, illness or death. In addition, you would be subject to fines or penalties by the state.

Commercial Umbrella insurance refers to liability insurance that is in excess of other specified policies and also potentially primary insurance for losses not covered by the other policies.

When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits and any additional amount is paid up to the limit of the umbrella policy.

Most umbrella policies require that there is already an underlying insurance coverages in force, such as general liability. Additionally, depending on the nature of the business, commercial auto liability, workers’ compensation, or employer practices liability may also be required.

You’ll know it’s the right policy if it covers:

• Commercial Auto Insurance covers collision, property, and bodily damage regarding company vehicles or driving that is done by employees for the purposes of business operations.
• General Liability Insurance to protect a business from claims regarding property damage, personal injury, and bodily injury, either on business premises or due to business operations.
• Employer’s Liability Insurance to cover issues related to an employee’s work-related injuries or diseases, in addition to a Workers Compensation policy.

It may also cover a variety of gaps for the following:

• Personal injury cases – which may cover any bodily damage that falls under a company or professional’s liability but is nevertheless not specifically covered under existing policies.
• Lawsuits and legal fees – may include any business-related legal costs and associated legal damages that are otherwise not connected to an existing insurance policy, such as slander and libel.
• Rented services and contracts – may invoke liability that is not covered directly underneath an existing insurance policy, such as a rental automobile that was taken outside of an existing coverage zone.

Common Exclusions

Typical umbrella policies will contain certain exclusions:

• Aircraft and Watercraft
• Data breaches and Hacking
• Pollution
• Product Recalls

Also usually exclude:

• Punitive damages – Punitive damages are awarded by courts as a form of punishment regarding something that the business has done to injure another entity. Umbrella policies will not cover punitive damages.
• Personal liability claims – Commercial Umbrella Insurance is only applicable for professional’s business; it cannot be applied to any personal liability claims. If a lawyer within a legal firm is suffering from personal issues of libel and slander, they will not be able to cover their associated costs with their commercial umbrella policy.