FAQs

A private market writes California earthquake coverage independently of the CEA, led by carriers such as GeoVera and Palomar. These are standalone policies, so they do not require your homeowners ...

Not necessarily, and this is the decision most Californians never realize they have. The California Earthquake Authority does not sell standalone policies. To buy a CEA policy you must already ...

Only where the warehouse is legally liable, which generally means the loss traced back to a failure to exercise reasonable care. Storage agreements also commonly cap what the warehouse ...

No, and the distinction matters. It is liability coverage, so it responds when you are legally responsible for a loss, not simply because the loss happened in your building. ...

Usually not. Warehouse legal liability responds where the operator is legally responsible for the loss, and under the Uniform Commercial Code a warehouse is not liable for damage that ...

Not where most people expect. General liability is written for third-party bodily injury and property damage, so a run printed with the wrong color, the wrong copy, or after ...

Responsibility for customer supplied artwork turns on documents rather than on a general rule. Your terms of sale or purchase order is where responsibility for customer supplied files is ...

Equipment breakdown and commercial property respond to different causes. Commercial property is generally written around external events such as fire, theft, or water. Equipment breakdown is written for the ...

Equipment in transit and equipment being installed are usually addressed by coverage written for that phase rather than by the property policy that covers it once it is running, ...

Garage liability and garagekeepers address two different things that both happen in a shop. Garage liability is written around the operations of the business, including the premises and the ...