FAQs

Own-occupation generally considers whether you can do your specific job, while any-occupation considers whether you can do any job. The distinction can meaningfully affect a claim. ...

Work back from the venue’s deadline rather than the insurer’s. California State Parks needs the certificate 60 days before the event and the application 45 days to six months ...

Policies typically replace a portion of income rather than all of it. The amount depends on the policy and your situation.

If you serve alcohol without selling it, host liquor liability is the part of the event policy that responds, and no ABC license is needed under Business and Professions ...

Yes. The venue will want a certificate in your name and an endorsement naming it as an additional insured, because its contract makes you responsible for guest claims. Send ...

It reimburses non-refundable deposits and costs when the event is cancelled or postponed for a cause the policy covers, and California treats it as its own line under Insurance ...

Often, yes. Appraisals or receipts are commonly required to establish an item’s value before it is scheduled.

It generally means you and the insurer agree on an item’s insured value up front, which can simplify a claim. Terms vary, so we can explain the details. ...

Coverage is often broader than a standard policy and may include accidental loss and mysterious disappearance. We can walk through the specifics.

No. Renting to guests is a different exposure, and a home you leave empty long term is treated differently again. Tell us how you use the property. ...