FAQs

It can be structured to, subject to terms and limits, which is valuable where standard property sublimits are low.

Usually not fully. A 3PL’s coverage protects its building and its own property, and its legal-liability or bailee coverage generally responds only when the 3PL is at fault, often ...

Cargo covers goods in transit and inland marine covers certain moving or off-site property; stock throughput combines transit and storage across the whole supply chain in one policy, often ...

Business interruption coverage is designed to help replace lost income when a covered event forces you to close. Whether a specific event is covered depends on your policy terms. ...

It is coverage designed for customers’ property in your care, custody, and control, such as garments left for cleaning. Standard property coverage typically applies to your own property, not ...

Often yes. Even without solvents, laundromats face slip-and-fall, water, and equipment exposures, and workers’ comp applies once you have any employees.

Cleaning solvents like perc create an environmental exposure that standard property and liability policies often exclude. Pollution coverage is typically how that risk is addressed, though terms vary by ...

In California, workers’ comp is generally required as soon as you have any employees, so an employed barber would typically trigger it.

A claim tied to a nick or cut is typically what professional liability is meant to address, though coverage depends on your policy terms. We can review the details ...

Usually. Independent barbers renting a chair are often treated as separate businesses, and your coverage may not extend to them, so many shops require renters to carry their own. ...