FAQs

Generally yes. Product liability is the coverage that typically responds to claims that your food made someone ill.

It depends on how alcohol is served. If your staff pours or serves, liquor liability often still applies. Tell us how you handle alcohol and we can help you ...

It is worth considering. Standard property policies typically exclude earthquake, which is a meaningful gap in much of California.

Because you hold customer payment and account data. A breach can create real costs, and cyber coverage helps address them.

Usually tenants insure their own goods, and rental agreements often say so. Customer goods legal liability provides limited coverage, but it does not replace a tenant’s own insurance. ...

Many facilities do. There are considerations around how such programs are offered and administered, and we can help you think them through.

Those premises and injury exposures are generally addressed through general liability, which is a core coverage for this trade.

It depends on the scope. Some pool trades require a state contractor license. We can help you confirm how licensing may affect your coverage.

Not always. Many general liability policies limit or exclude pollution, so chemical exposure often needs to be addressed through specific coverage.

They may be, under inland marine (tools and equipment) coverage. Standard auto policies typically do not cover the tools inside the vehicle.