Facebook
Twitter
Google+
LinkedIn

]

FAQ

Is the state minimum liability coverage adequate insurance?
No, because most cars are more expensive than the minimum requirements and possible litigation fees could exhaust your limits which would leave you liable for the remaining fees and expenses.
Can we add or remove coverages mid-policy?
Yes, however the premium changes will always be pro-rated.
Can I make changes and payments online or by phone?
Yes, most companies provide online and phone services. We will supply you with that information at binding but feel free to contact us with questions.
Why do I need renters Insurance?
The basic reason you would need renters is for your personal belongings. In case of a fire or some other incident all of your personal belongings could be destroyed and nobody would be responsible to replace your things. Another reason would be if you are found liable for an accidental fire or flood from overflow of tub.
What is an umbrella policy?
An Umbrella Policy is a policy that basically extends the liability limits of your current policies and expands your coverage.
What is an experience MOD?
An experience MOD stands for experience modification. This is a number created by NCCI. A Mod is specific to qualifying Workers compensation policies.  If a policy qualifies for an experience MOD a debit or credit will be applied to the premium. This formula is based on claims from a prior 3 year period to give incentives for loss prevention.
What is an audit and what does it generally consist of?
An Audit is done at the end of a policy term usually for a General Liability Policy or a Workers Comp Policy. Exposures are estimated when policies are written. An audit will determine the actual payrolls or sales for that particular class.
What is an audit and what does it generally consist of?
An Audit is done at the end of a policy term usually for a General Liability Policy or a Workers Comp Policy. Exposures are estimated when policies are written. An audit will determine the actual payrolls or sales for that particular class.
What is an audit and what does it generally consist of?
An Audit is done at the end of a policy term usually for a General Liability Policy or a Workers Comp Policy. Exposures are estimated when policies are written. An audit will determine the actual payrolls or sales for that particular class.
Can I purchase a certificate of Insurance because that is all I need?
No, a certificate is a reflection of the current policy held at the time the certificate was done.

 

 

 

 

 

 

Call Us Today to Set Up an Appointment:

(706) 323-7735