FAQs

Commercial Umbrella Insurance generally does not reach liabilities that your underlying policies do not cover in the first place. Professional errors and omissions are the common example, and those ...

Enough to describe the vehicles, the drivers, and the operation. That means the VIN and stated value for each unit, the garaging address, the radius you run, and what ...

The biggest difference is who is covered, and it is decided by numbered symbols rather than by a list of cars. A commercial auto declarations page assigns a symbol ...

It depends on whether you are simply a business with vehicles or a motor carrier. An ordinary commercial vehicle sits on the same statutory floor as a private passenger ...

Yes, and California makes the exposure harder to argue away. Labor Code 2802 requires an employer to reimburse an employee for necessary expenditures incurred in performing their duties, mileage ...

It is built around the vehicle and the liability, not around everything in or near it. An employee hurt in a company vehicle is a workers' compensation claim. The ...

Immediately, and often earlier than you would think. A claims-made policy requires notice while the policy is in force, so a claim reported after it ends is generally outside ...

Usually not, and this is the most common disappointment on the form. E&O responds to a third party's financial loss caused by your professional error. It generally does not ...

Often not, and that surprises people who are used to general liability. Additional insured status is routine on general liability and unusual on professional liability, because the point of ...

There is no fixed formula, and four things set the working range. What your client contracts require, since many specify a limit and that becomes a floor. The size ...