FAQ

We offer a wide range of insurance products including personal insurance (health, life, auto, and home), commercial insurance (liability, disability, workers' compensation, and bonds), and risk management services.

You can request a free, no-obligation quote on our website or by contacting one of our agents. We will work with you to understand your specific needs and provide you with a personalized estimate.

After receiving your quote, you can choose to purchase the policy that best suits your needs. Our agents will guide you through the process and provide you with the necessary paperwork to complete the purchase.

You can make changes to your policy by contacting one of our agents. We will review your policy and make the necessary adjustments to ensure that you have the coverage you need.

You can file a claim by contacting our claims department. Our team will assist you in the process and work closely with the insurance provider to ensure that your claim is processed efficiently and effectively.

We recommend reviewing your insurance policy at least once a year to ensure that you have the right coverage and that your policy is up to date.

You can access your insurance information through our secure online platform. Here you can view your policy details, make payments, and access other important information.

You can reach customer service by phone or email. Our team is available to assist you with any questions or concerns you may have.

Our services are provided at no additional cost to our clients. The fees associated with insurance policies are determined by the insurance provider and will be outlined in the policy.

Yes, we are licensed and regulated by the state insurance department, and our agents are also licensed and adhere to the state regulations.

Our privacy policy is available on our website and outlines how we collect, use, and protect your personal information.

Auto insurance is a type of insurance that provides financial protection for damages and injuries resulting from a car accident. It covers the cost of repairs to your vehicle, as well as medical expenses for you and any passengers in your vehicle. It also provides liability coverage for damages or injuries you may cause to others in the event of an accident.

There are several types of auto insurance coverage available, including liability, collision, comprehensive, personal injury protection (PIP) and uninsured/underinsured motorist coverage.

Liability coverage is the most basic type of auto insurance. It covers the cost of any damages or injuries you may cause to another person or their property in an accident. It is usually required by law in most states.

Collision coverage covers the cost of repairs to your vehicle if you are involved in an accident, regardless of who is at fault. It also covers the cost of a rental car if your vehicle is being repaired.

Comprehensive coverage covers damage to your vehicle from non-collision events such as theft, fire, or natural disasters.

Personal injury protection (PIP) coverage provides financial assistance for medical expenses and lost wages resulting from an accident, regardless of who is at fault.

Uninsured/underinsured motorist coverage provides protection in the event that you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages or injuries caused.

The amount of auto insurance coverage you need depends on a variety of factors, including the value of your vehicle, your driving record, and your personal financial situation. It's recommended to speak with an insurance agent to determine the right coverage for you.

There are several ways to save money on your auto insurance, including increasing your deductible, taking a defensive driving course, and maintaining a good driving record. You can also bundle your auto insurance with other types of insurance, such as homeowners or renters insurance, to receive a discount.

To file a claim, contact your insurance company as soon as possible after an accident. They will provide you with a claims form to fill out and guide you through the process.

If your vehicle is considered a total loss, your insurance company will pay you the actual cash value of the vehicle, which is the current market value of the vehicle minus any depreciation.

You can get a quote for auto insurance by contacting an insurance agent or visiting an insurance company's website. You will typically need to provide information about yourself and your vehicle to receive a quote.

Homeowner's insurance is a type of insurance that provides financial protection for damages and injuries that may occur to your home and personal property. It also provides liability coverage for accidents that may happen on your property.

A typical homeowner's insurance policy includes coverage for the structure of your home, personal property, loss of use, personal liability, and medical payments.

Coverage for the structure of your home provides protection for damages to the physical structure of your home, including the walls, roof, and foundation, caused by covered events such as fire, wind, and hail.

Coverage for personal property provides protection for damages or loss of your personal belongings, such as furniture, electronics, and clothing, caused by covered events such as fire, theft, and vandalism.

Loss of use coverage provides financial assistance for additional living expenses if you are unable to live in your home due to a covered loss. It covers expenses such as hotel stays, restaurant meals, and storage fees.

Personal liability coverage provides protection for legal expenses and damages if you are found liable for an accident that occurs on your property. It covers things such as medical expenses and legal fees.

Medical payments coverage provides financial assistance for medical expenses incurred by someone who is injured on your property, regardless of who is at fault.

The amount of homeowner's insurance coverage you need depends on the value of your home and personal property, as well as your personal financial situation. It's recommended to speak with an insurance agent to determine the right coverage for you.

There are several ways to save money on your homeowner's insurance, such as increasing your deductible, installing safety devices such as smoke detectors and burglar alarms, and maintaining a good credit score. You can also bundle your homeowner's insurance with other types of insurance, such as auto or umbrella insurance, to receive a discount.

To file a claim, contact your insurance company as soon as possible after the loss occurs. They will provide you with a claims form to fill out and guide you through the process.

If your home is considered a total loss, your insurance company will pay the cost to rebuild or repair your home up to the limits of your insurance policy. This is typically referred to as the "dwelling coverage" limit. It's important to note that the dwelling coverage limit may not be the same as the market value or the purchase price of your home. It's important to work with your insurance agent to understand the limits of your policy, and to make sure that the coverage you have is adequate to rebuild or repair your home in the event of a total loss. Additionally, you should also have enough coverage for your personal belongings, additional living expenses and liability. It's also important to keep an inventory of your personal belongings and their value, so that you can provide your insurance company with accurate information in the event of a claim. And it's also recommended to review your policy from time to time and update it according to your needs.

Renter's insurance is a type of insurance that provides financial protection for damages and injuries that may occur to your personal property while renting a home, apartment or any other type of dwelling. It also provides liability coverage for accidents that may happen on the rental property.

Renter's insurance is for anyone who rents a property and wants to protect their personal property from damage or loss. It's also a good option for anyone who wants liability coverage in case someone is injured in their rental property.

A typical renter's insurance policy includes coverage for personal property, loss of use, personal liability, and medical payments.

Coverage for personal property provides protection for damages or loss of your personal belongings, such as furniture, electronics, and clothing, caused by covered events such as fire, theft, and vandalism.

Loss of use coverage provides financial assistance for additional living expenses if you are unable to live in your rental due to a covered loss. It covers expenses such as hotel stays, restaurant meals, and storage fees.

Personal liability coverage provides protection for legal expenses and damages if you are found liable for an accident that occurs on the rental property. It covers things such as medical expenses and legal fees.

Medical payments coverage provides financial assistance for medical expenses incurred by someone who is injured on the rental property, regardless of who is at fault.

The amount of renter's insurance coverage you need depends on the value of your personal property and your personal financial situation. It's recommended to speak with an insurance agent to determine the right coverage for you.

Travel insurance provides coverage for unforeseen events or emergencies that may occur while traveling.

Typically, travel insurance covers trip cancellation, trip interruption, medical expenses, emergency medical evacuation, and baggage loss or delay.

There are various types of travel insurance available, including trip cancellation/interruption insurance, medical/health insurance, and comprehensive travel insurance. The type of insurance you should choose depends on your specific needs and travel plans.

Yes, you can usually purchase travel insurance after booking your trip, although it's best to purchase it as soon as possible to ensure full coverage.

If you need to cancel your trip due to unforeseen circumstances, travel insurance can provide reimbursement for non-refundable trip costs.

Coverage for pre-existing medical conditions varies depending on the insurance provider and the type of policy. Some policies may exclude coverage for pre-existing conditions altogether, while others may provide coverage with certain restrictions.

If you become sick or injured while traveling, travel insurance can provide coverage for medical expenses, emergency medical evacuation, and other related costs.

Travel insurance can provide coverage for trip delays or disruptions due to weather, mechanical problems, or other unforeseen circumstances.

Yes, you can purchase travel insurance for a one-way trip, although coverage may be more limited compared to a round-trip policy.

If you need to make a claim on your travel insurance policy, you should contact your insurance provider as soon as possible and follow their specific claims process. This may involve providing documentation of your expenses or other related information.

General liability insurance is a type of insurance that provides financial protection for your business in the event of third-party claims of bodily injury or property damage. It also provides coverage for legal expenses associated with defending against such claims.

General liability insurance covers third-party claims of bodily injury or property damage that occur on your business property or as a result of your business operations. This can include things like slips and falls, customer injuries, and damage to third-party property.

While general liability insurance is not always legally required, it is highly recommended as it can provide protection against potential financial losses that may occur as a result of third-party claims. Some industries and localities may require certain businesses to have liability insurance.

The amount of general liability insurance coverage you need will depend on your business operations and the specific risks associated with your industry. It's recommended to speak with an insurance agent or broker to determine the right coverage for you.

General liability insurance typically does not cover claims made by employees. This type of coverage is usually provided by worker's compensation insurance.

To file a claim for general liability insurance, contact your insurance company as soon as possible after the incident occurs. They will provide you with a claims form to fill out and guide you through the process. It is important to have all the relevant documentation such as police reports, medical bills, and witness statements.

If your business is found to be liable for an incident, your general liability insurance will provide coverage for the cost of damages or injuries caused to third parties, as well as legal expenses associated with defending against the claim. This can include things like medical expenses, property damage, and lost income for the injured party. Your insurance company will investigate the incident and determine the appropriate level of coverage based on the terms of your policy. In some cases, if the claim exceeds the coverage limit, the business may have to pay the difference out of pocket.

A Business Owners Policy, or BOP, is an insurance policy designed for small to medium-sized businesses that combines several types of coverage into one convenient package.

A BOP typically includes general liability insurance, property insurance, and business interruption insurance. Additional coverages such as cyber liability and professional liability may also be available.

Many different types of small to medium-sized businesses are eligible for a BOP, including retail stores, restaurants, offices, and service providers.

The cost of a BOP can vary depending on several factors, including the type of business, the location of the business, and the coverage limits selected.

No, a BOP is not required by law. However, certain types of coverage included in a BOP, such as general liability insurance, may be required by law in certain industries.

Yes, many insurance providers offer the flexibility to customize a BOP to fit the specific needs of a business, including adding or removing coverages and adjusting coverage limits.

A BOP may be a good fit for your business if you are a small to medium-sized business owner looking for a convenient and cost-effective way to protect your business from a variety of risks. Consulting with an insurance professional can help you determine if a BOP is the right choice for your business.

Workers' compensation insurance is a type of insurance that provides financial protection for employees who are injured or become ill as a result of their job. It covers medical expenses and lost wages for the employee, and provides protection for the employer against lawsuits related to the employee's injury or illness.

In most states, employers are required by law to carry workers' compensation insurance for their employees.

Workers' compensation insurance covers a wide range of injuries and illnesses that are work-related, including injuries sustained on the job, repetitive stress injuries, and illnesses caused by exposure to work-related hazards.

Workers' compensation insurance is typically paid for by the employer. Some states require employers to purchase insurance through a state-operated workers' compensation insurance fund, while others allow employers to purchase insurance from private insurance companies.

An employee can file a claim for workers' compensation insurance by reporting their injury or illness to their employer and following the employer's established process for filing a claim. They may need to provide documentation such as medical reports and proof of lost wages.

If an employee's claim is denied, they have the right to appeal the decision. The appeals process varies by state, but it typically involves a review of the claim by an administrative law judge or workers' compensation board.

In some cases, workers' compensation insurance does cover mental or emotional injuries that are related to a physical injury or illness, or are caused by a traumatic event that occurred on the job. However, the coverage of mental or emotional injuries can vary by state and by policy. It's important to check your specific policy or consult with an insurance agent or attorney to determine if such injuries are covered in your state or company policy.

Disability insurance is a type of insurance that provides financial protection for individuals who become unable to work due to a disability. It replaces a portion of your income if you are unable to work due to a covered injury or illness.

There are two main types of disability insurance: short-term and long-term. Short-term disability insurance provides coverage for a shorter period of time, typically up to several months, while long-term disability insurance provides coverage for a longer period of time, typically several years or until retirement age.

Eligibility for disability insurance can vary by policy and provider. Typically, you must be actively working and able to demonstrate an ability to earn an income in order to qualify. Some policies may also have age or income requirements.

Short-term disability insurance provides coverage for a shorter period of time, typically up to several months, and is designed to provide financial protection during a temporary disability. Long-term disability insurance provides coverage for a longer period of time, typically several years or until retirement age and is designed to provide financial protection for a permanent or semi-permanent disability.

To file a claim for disability insurance, contact your insurance provider and provide them with the necessary documentation such as proof of disability and medical reports. The process and requirements for filing a claim can vary by provider.

The benefit amount for disability insurance is typically a percentage of your income and is determined by your policy and the terms of the contract. Some policies may also have a maximum benefit amount.

It depends on the terms of your policy and the nature of your disability. Some policies may require that you are unable to work in any capacity, while others may allow for a return to work on a part-time or modified duty basis.

The length of time it takes to start receiving benefits after filing a claim can vary depending on the insurance provider and the complexity of the claim. It's important to contact your provider as soon as possible after becoming disabled and to provide all the required documentation promptly.

It depends on the terms of your policy and the insurance provider. Some policies may exclude pre-existing conditions, while others may have a waiting period before coverage for pre-existing conditions becomes effective. It's important to review your policy and consult with your insurance provider to understand the coverage for pre-existing conditions.

Yes, you have the right to appeal a denied claim for disability insurance. The appeals process can vary by provider, but typically involves a review of your claim by an administrative law judge or a disability board. It's important to provide additional documentation and evidence to support your claim during the appeals process.

Yes, self-employed individuals can purchase disability insurance through private insurance providers. Some policies may require proof of income and financial stability in order to qualify.

Yes, you can purchase additional disability insurance on top of the benefits offered by your employer. This is often referred to as "supplemental" or "voluntary" disability insurance. It's important to understand the terms and coverage of your employer-provided disability benefits before purchasing additional coverage.

A bond is a financial instrument that represents a loan made by an investor to a borrower, typically a corporation or government entity. In exchange for lending money, the investor receives regular interest payments and the return of their principal at maturity.

Bond insurance is a type of insurance that guarantees the timely payment of interest and principal on a bond in the event that the issuer is unable to make payments. It is also known as credit enhancement or financial guarantee insurance.

Bond insurance is typically used by issuers with lower credit ratings, such as municipalities and non-investment grade companies, to make their bonds more attractive to investors. It also can be used by investors to mitigate the risk of default.

Bond insurance is provided by an insurance company, which assumes the credit risk of the bond issuer. The insurance company guarantees the timely payment of interest and principal on the bond, regardless of the financial condition of the issuer.

Many types of bonds can be insured, including municipal bonds, corporate bonds, and structured finance bonds.

Bond insurance can be purchased from insurance companies that specialize in providing financial guarantee insurance. It is typically purchased by the issuer of the bond, but can also be purchased by investors.

The cost of bond insurance can vary depending on the creditworthiness of the bond issuer and the terms of the policy. It is typically a small percentage of the bond's face value and is paid by the issuer or built into the bond's coupon payments.

In the event of a default, the bond insurance company will step in and make timely payments of interest and principal to bondholders, as per the terms of the insurance policy. This helps to minimize the financial loss for bondholders and maintain market stability.

Health insurance is a type of insurance that helps cover the cost of medical care. It can help pay for doctor visits, hospital stays, prescription drugs, and other healthcare expenses.

There are several types of health insurance available, including individual and group plans, HMOs, PPOs, EPOs, and government-funded plans like Medicare and Medicaid.

HMOs (Health Maintenance Organizations) typically require you to choose a primary care physician and receive referrals to specialists. PPOs (Preferred Provider Organizations) offer more flexibility in choosing healthcare providers but the out of network cost is higher.

A high-deductible health plan (HDHP) is a type of health insurance plan that has a higher annual deductible than a traditional health plan. This means that you will have to pay more out of pocket before your insurance starts to cover the cost of your medical care.

Choosing a health insurance plan depends on your individual needs and budget. It's important to consider factors such as the cost of premiums, deductibles, and out-of-pocket expenses, as well as the networks of healthcare providers and the types of services covered.

Enrolling in health insurance can be done through a health insurance broker, directly through an insurance company, or through government-run marketplaces. The enrollment period can vary but typically happens during the open enrollment period.

To use your health insurance, you will typically need to present your insurance card at the time of service and pay any applicable co-pays or deductibles. Your insurance will then cover the remaining cost of your medical care.

Under the Affordable Care Act, health insurance companies are no longer allowed to deny coverage or charge more for coverage based on pre-existing conditions.

It depends on the terms of your policy. Some health insurance plans provide coverage for medical care outside of the country, while others do not. It's important to check with your insurance provider and consider purchasing additional travel insurance if needed.

A network provider is a healthcare provider that has contracted with your health insurance company to provide services to their members at a discounted rate. Using a network provider can often result in lower out-of-pocket costs for the insured.

The ability to change your health insurance plan during the year can vary depending on the type of plan and the regulations in your state. However, many plans allow changes during the open enrollment period or if you experience a qualifying life event such as marriage or loss of other coverage.

If your health insurance claim is denied, you have the right to appeal the decision. The appeal process typically involves requesting a review of your claim by the insurance company and providing additional documentation to support your case.

You can find out what your health insurance covers by reviewing your policy or by contacting your insurance provider. They can provide you with a detailed summary of benefits.

Special events insurance is a type of insurance that provides financial protection for events such as weddings, parties, festivals, and other gatherings. It can help cover the cost of damages, injuries, or other losses that may occur during the event.

Special events insurance can cover a wide range of events, including but not limited to: weddings, parties, festivals, concerts, conferences, corporate events, and other gatherings.

Special events insurance can include coverage for liability, property damage, cancellations or postponements, and other unexpected events.

Special events insurance is recommended for anyone who is planning an event and wants to protect themselves against financial losses that may occur. This includes event planners, venue owners, and hosts.

The cost of special events insurance can vary depending on the size and type of event, the location, and the amount of coverage needed. It's recommended to get a quote from an insurance agent or broker to determine the cost for your specific event.

Special events insurance can be purchased through an insurance agent or broker. It's important to provide them with detailed information about the event, including the date, location, and estimated number of attendees, to get an accurate quote.

To file a claim for special events insurance, contact your insurance provider as soon as possible after the incident occurs. They will provide you with a claims form to fill out and guide you through the process. It is important to have all the relevant documentation such as police reports, medical bills, and witness statements.

Special events insurance can cover the financial losses that may occur due to the cancellation or postponement of an event. This can include non-refundable expenses such as deposits, vendor fees, and other costs associated with the event.

Some special events insurance policies may include coverage for weather-related cancellations, but it varies depending on the policy. It's important to check with your insurance provider to understand the coverage for weather-related cancellations.

Yes, special events insurance can cover injuries to guests that occur during the event. This can include medical expenses and legal fees if a lawsuit is filed.

Some special events insurance policies may include coverage for damages to the venue, but it varies depending on the policy. It's important to check with your insurance provider to understand the coverage for damages to the venue.

Yes, special events insurance can be purchased for events taking place outside of the United States. However, it is important to check with your insurance provider to understand the coverage and any additional requirements for international events.

To ensure that your special event is covered by insurance, it is important to purchase a special events insurance policy that meets your specific needs. It is also important to review the policy and understand the coverage, exclusions and limitations. Additionally, it is important to disclose all the information about the event to the insurance provider.

A notary public is a public official appointed by a state government to witness the signing of important documents and administer oaths. They also authenticate the identity of the signers and verify their willingness to sign the document.

A notary public typically notarizes a wide range of documents including legal documents, deeds, mortgages, power of attorney, and affidavits, among others.

The purpose of notarizing a document is to ensure the authenticity of the signature and identity of the person signing the document, and to prevent fraud.

Notary publics can be found in various locations including government offices, post offices, banks, and shipping stores. Many notary publics also offer mobile services and can come to your location.

The process of getting a document notarized typically involves the signer appearing before the notary public, providing a valid form of identification, and signing the document in the presence of the notary public. The notary public will then apply their seal and signature to the document, certifying that the signature is authentic and the signer is who they claim to be.

Yes, most notary publics charge a fee for their services. The fees can vary depending on the type of service and location. It's important to check with the notary public for their specific fee schedule.

It depends on the document and the purpose for which it will be used. Some documents, such as legal documents and government forms, require notarization in order to be considered valid. Other documents, such as personal letters or business agreements, may not require notarization.

The length of a notary public commission varies by state, with most commissions lasting between two to four years. After the commission expires, the notary public must renew their commission in order to continue providing notary services. It's important to check with your state's notary commissioning agency for specific information on the length of a notary public commission.

If you need help finding the insurance that's right for you, we can assist you. Our agent is a professional who acts as an intermediary between you and the insurance company. We will work with you to understand your insurance needs and help you find the right policy to meet those needs. We can also help you compare different policies and pricing options to ensure you're getting the best value for your money. We are independent and can help you with all types of insurance, from health and life insurance to car and home insurance. We can also help you with special coverage, for example for events, for your business, for bonds, etc. We can also help you with renewals, claims and any other related needs. We can be a great resource when it comes to navigating the complex world of insurance.