FAQs

Yes, with conditions attached to how the property was left. Theft of tools, equipment, and property in transit is a core reason the coverage exists. The conditions are where ...

Read the valuation clause, because it decides what a claim actually pays. Many contractors equipment forms settle at actual cash value, which is replacement cost less depreciation, so an ...

It covers the materials you are installing until the job is accepted. A contractor who buys a chiller, a switchgear line-up, or a run of cabinetry owns a real ...

The things that stay put, and the things that are somebody else's line. Buildings and permanent structures belong on commercial property. Licensed vehicles belong on commercial auto, even when ...

Many forms do, subject to a waiting period measured in hours rather than days. Cyber business interruption pays the income lost and the extra expense of operating while systems ...

It splits into two halves, and businesses usually buy it for the first. First-party coverage funds your own costs: incident response and forensics, legal counsel, notification, credit monitoring, data ...

Yes, and your controls now decide the terms rather than the need. Underwriters ask about multi-factor authentication, backups held offline and tested, endpoint detection, patching discipline, and how privileged ...

Only where the law allows a fine to be insured, and California limits that. Cyber forms commonly offer regulatory defense and penalties coverage, worded to respond only to the ...

The physical world, the money you were tricked into sending, and the losses you already knew about. Damage to hardware is property coverage, and bodily injury is general liability. ...

Headcount is the base, then industry, claims history, retention, and limit. Two things carry extra weight for a California employer. Underwriters look closely at wage and hour practices, because ...