Why
an independent agent?
Top
Workers'
Compensation
What
are the insurance requirements?
Who
must insure?
Penalties
for failure to insure?
What
is the Insurance Cross Match Program?
Top
HomeOwners
Insurance
Do
I really need insurance for my home?
My homeowners
insurance is part of the payment I make each month to the mortgage
company. Who decides what insurance to get?
What does
a homeowners policy cover?
Against which
perils is my property protected?
What about
floods, earthquakes and other catastrophes?
Are there
any exclusions I should know about?
Are the backyard
shed and my color TV both covered in my homeowners policy?
Who decides
how much my property is worth?
How much
will I be paid for damage to my personal property?
Does my policy
cover my possessions even when I go on vacation?
I rent out
my basement. Are my tenants covered by my homeowners policy?
My mother
lives with us in a separate in-law suite. Are her possessions covered?
What about
our vacation home in the next state?
I work out
my home. Are my inventory and business property covered?
Help! I've
lost everything! Where do I start?
Why does
the insurance company want to know where the nearest fire hydrant
to myhome is?
Is there
anything I can do to lower my premiums?
Who keeps
an eye on the insurance companies?
What do I
do when my property is damaged or stolen?
What if I
am sued or found liable for injury to another person?
I am a renter,
not a homeowner. Do I need insurance?
Isn't my
apartment covered under my landlord's policy?
How are prices
determined for renters insurance?
I live in
an apartment with three roommates. Do we each need a policy?
I own a condo.
How is my policy different?
Top
Small
Business Insurance
I'm
just getting my business started. Do I need insurance right away?
I
don't have any major business assets. Why do I need insurance?
Is
insurance coverage different for different businesses?
What
types of property do I need to insure?
What
types of property insurance should I consider buying?
How
much property insurance do I need to buy?
Who
decides how much my business property is worth?
What
kinds of events does business insurance cover?
Everybody
seems to be suing everybody else these days. What if someone sues
my business?
What
about the cars and truck that I have in my business? Is the coverage
like what I have on my personal car?
Will
I need to protect my employees in the event they are injured on the
job?
I
keep one auto strictly for business. Do I need a separate policy?
I
just signed a 3-year lease to open my business. Why does my insurance
agent want to see my lease?
My
business requires that I store gasoline on the premises. Do I have
to have special insurance?
I
run a dry-cleaning business. What happens if fire destroys many of
my customers' clothes that were stored in the building?
What
if the clothes I manufacture are damaged in shipment. Does the shipping
company reimburse me or do I put in a claim to my insurance company?
I
work out of my home. Will my homeowners insurance cover my business?
What
is coinsurance all about?
As
a retailer, do I need to worry about product liability?
Now
that my business is established, I think it is time to offer my employees
some benefits. What do I need to know?
Can
I do anything to lower my insurance premiums?
Who
keeps an eye on the insurance companies?
What
should I look for in an agent?
Top
Business Insurance
