FAQs

Crime is first-party insurance that pays your business for its own loss. A surety bond is a three-party guarantee that protects someone else. A fidelity bond specifically covers employee ...

It depends on the form. Some respond to sudden events only, others may include gradual conditions. We can review the wording with you.

Usually not. Standard GL forms largely exclude pollution, which is why a separate policy typically applies.

CPL generally follows your work at job sites, while site pollution attaches to a specific location you own or operate.

Typically not. Tools and equipment are usually addressed under other coverages we can review with you.

It generally refers to vehicles a customer has left with you. Garagekeepers is designed to respond when those vehicles are damaged while in your care.

Many auto businesses do, because they cover different exposures. We can help you decide based on how you operate.

No. Commercial auto typically covers vehicles your business owns and drives. Garage coverage is built around servicing, selling, or storing others’ vehicles and often includes garagekeepers.

Not typically, since the property portion generally excludes them. Those may be arranged separately, and we can discuss options.

Growth in revenue, locations, vehicles, or property, or a change that affects eligibility, are common signs. We will review whether a CPP fits better.