FAQs

For a business the drivers are different from a personal umbrella. Three things usually set the working range. What your contracts and leases require, since many name a specific ...

No. It sits above them and requires qualifying underlying coverage to be in place.

It is the date back to which your policy may respond. Keeping it intact when you renew or switch policies helps protect past work.

Not universally, but many professions, licensing bodies, and clients require it. We can review your situation with you.

A claims-made policy generally responds to claims made while the policy is active, provided the incident occurred after your retroactive date. Letting coverage lapse can create a gap. ...

Trucking often carries additional filing and coverage requirements. We can guide you through what applies.

General liability covers third-party bodily injury and property damage. E&O covers financial harm from your professional work. Most businesses that give advice need both.

If the vehicle is used for business, typically yes. We can review your specific use with you.

Usually not. Personal policies typically exclude regular business use, which can leave a claim unpaid.

It covers vehicles the business does not own but uses for work, including rentals and employees’ own cars. It is liability coverage, so it responds to injury or damage ...