Question 1

What Is Property & Casualty (P&C) Insurance?

Accepted Answer

Property & Casualty insurance protects businesses from financial loss due to property damage (such as fire, theft, or natural disasters) and liability claims (such as injuries or negligence).

Question 2

What Types Of Businesses Do You Insure?

Accepted Answer

We work with a wide range of industries, including retail, hospitality, contractors, manufacturers, real estate, restaurants, professional services, and more.

Question 3

Do I Need Both Property And Liability Coverage?

Accepted Answer

Yes. Property coverage protects your physical assets, while liability coverage protects your business against claims of negligence or injury. Most businesses need both.

Question 4

What Does Commercial Property Insurance Cover?

Accepted Answer

It typically covers your building, office equipment, inventory, furniture, and other physical assets against risks like fire, theft, vandalism, and some natural disasters.

Question 5

Does Property Insurance Cover Flood Or Earthquake Damage?

Accepted Answer

Not usually. Flood and earthquake coverage must be purchased as separate policies or endorsements.

Question 6

Is Leased Property Or Equipment Covered?

Accepted Answer

Leased items can be covered, but it depends on the terms of your policy. Be sure to disclose all leased or rented equipment when applying.

Question 7

What Is General Liability Insurance?

Accepted Answer

It protects your business from third-party claims involving bodily injury, property damage, and personal or advertising injury.

Question 8

What Is The Difference Between General Liability And Professional Liability?

Accepted Answer

General Liability covers physical risks, while Professional Liability (also known as Errors & Omissions) covers claims related to professional services or advice.

Question 9

Do You Offer Umbrella Or Excess Liability Insurance?

Accepted Answer

Yes. Umbrella policies provide additional liability limits beyond your standard coverage, offering extra protection against large claims.

Question 10

How Much Coverage Does My Business Need?

Accepted Answer

Coverage needs vary based on your industry, size, assets, and risk exposure. We offer customized risk assessments to help determine the right coverage levels.

Question 11

How Do I File A Claim?

Accepted Answer

You can file a claim by contacting us directly or calling your insurance carrier’s claims line. We assist our clients throughout the entire claims process.

Question 12

How Long Does It Take To Process A Claim?

Accepted Answer

This varies by claim type and complexity, but we strive to expedite the process and keep you informed every step of the way.

Question 13

How Are Premiums Determined?

Accepted Answer

Premiums are based on factors such as your business type, size, location, claims history, coverage limits, and risk profile.

Question 14

Can I Bundle Policies To Save Money?

Accepted Answer

Yes. Many businesses save money by bundling property, liability, and other coverages into a Business Owner’s Policy (BOP) or custom package.

Question 15

How Often Do Policies Renew?

Accepted Answer

Most commercial policies renew annually. We’ll notify you well in advance of your renewal date and review your coverage needs before each renewal.

Question 16

Do You Offer Risk Management Consulting?

Accepted Answer

Yes. We provide proactive risk assessments and help implement strategies to reduce exposure and minimize claims.

Question 17

Can You Help With Certificates Of Insurance (COIs)?

Accepted Answer

Absolutely. We issue COIs quickly and accurately—same-day service is often available.

Question 18

Do You Work With Start-Ups Or New Businesses?

Accepted Answer

Yes. We help new businesses identify risks and secure the right coverage from day one.

Question 19

How Do I Get A Quote?

Accepted Answer

You can request a quote by calling us, visiting our website, or scheduling an in-person consultation. We’ll gather basic business information to get started.

Question 20

Why Choose Your Agency?

Accepted Answer

We combine industry expertise, personalized service, and access to top-rated carriers to deliver the right coverage at competitive rates. Your success and protection are our priority.

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