FAQs

Four things sit outside it by design, and one more sits outside by eligibility. Professional liability, workers' compensation, commercial auto, and employee dishonesty are each written separately. Earthquake and ...

Tell us before the change, not at renewal. Limits, locations, vehicles, and coverages are all adjustable mid-term by endorsement. The reason to do it in advance is that several ...

Property and general liability form the core, and the rest is chosen. Commercial property covers the building, contents, and business income. General liability covers injury and damage you cause ...

Usually yes, and that is much of the practical appeal. A package brings the lines onto one policy with one term, one renewal, and one set of common conditions, ...

Each line inside carries its own limit, and they do not add together. The property section has its limits per location and per coverage, the general liability section has ...

A package covers what you put in it, so the gaps are the lines you did not add. Workers' compensation is written separately and is required in California once ...

In California there are two separate deadlines that do different things. An injured employee generally must report the injury to the employer within 30 days, and generally must file ...

Workers' compensation is the exclusive remedy for a work injury in California, so an injured employee generally cannot sue the employer for negligence, including gross negligence. Labor Code 3602 ...