FAQs

Yes, once you have any employee in California. For a dealership the question that follows is classification, because sales staff, lot porters, detailers, and service technicians do not rate ...

It is a key part of most institutional programs, subject to underwriting and policy terms, especially for organizations serving children or vulnerable people.

Those are excluded from standard property and addressed separately; we can review earthquake, flood, and DIC options with you.

Institutions have risks a standard business policy does not address well, such as abuse and molestation, D&O for the board, and specialized property.

Schools, religious organizations, nonprofits, associations, and cultural institutions, among others.

No. R&W is used across a range of deal sizes, and we can explore whether it fits your transaction.

Most policies are buy-side and pay the buyer, but sell-side policies exist. We help you determine the right structure.

Generally no. Known issues are typically excluded and addressed separately in the deal terms.

Financial loss when a representation or warranty in the purchase agreement proves inaccurate after the deal closes.

Often yes. Flood policies commonly have a waiting period before coverage takes effect, so it is worth arranging coverage before a storm is forecast.