Frequently Asked Questions


1. How do I get a quote?

You can get a quote a number of different ways. You can complete and submit a Request for Quote on-line, or you can download a pdf of the Request for Quote form and mail or fax it us. You can call our toll-free number and speak directly to an Account Consultant who will take the necessary information from you over the telephone. Most of our quotes can be provided to you within 24 to 48 hours.


2. Is there a difference between professional liability and errors and omissions?

No, the two terms are synonymous


3. Can you provide General Liability or Workers' Compensation insurance for all businesses?

Yes, for the most part, we provide insurance for most small businesses and professional firms. There are some exceptions, however, where the workplace and inherent risks are outside of one particular location.


4. How do I insure my home business?

A business insurance policy combined with professional liability is the best way to insure your home-based business. Unless you have a special rider on your homeowners policy, your business property, general liability and professional liability are not covered. In most cases, a commercial package policy will be the best solution.


5. What is Commercial Package Insurance?

A Commercial Package Policy is a combined package of policies that is designed especially for businesses. This type of policy provides you with Property coverage, Business Income, and General Liability. Other available coverages for business owners include Workers' Compensation, Commercial Auto, Commercial Liability Umbrella, Fidelity, Mechanical Systems Breakdown and Employment Practice Liability.


6. What is General Liability?

General Liability protects owners and operators of businesses from a wide variety of liability exposures, such as liability arising out of accidents resulting from the premises or the operations of an insured, operations completed by the insured and some contractual liability. This includes bodily injury, property damage or loss, personal injury which includes slander or libel, and advertising injury. General Liability also covers the cost of your legal defense. Note that General Liability does not cover loss due to your professional errors or negligence, which is normally covered by Errors and Omissions insurance.


7. What is Business Income?

Business Income includes Business Interruption coverage and/or Extra Expense Coverage. Business Interruption covers lost profits and ongoing expenses during a business shutdown caused by a covered property loss. Salaries of "key" employees are normally covered. Extra Expense covers extra expenses (over normal operating costs) incurred to remain in operation following a covered property loss.


8. What is Umbrella Coverage?

Umbrella coverage provides additional amounts of insurance in excess over other existing liability coverages, such as automobile liability, general liability and employer's liability. When the liability limits of existing policies are exhausted, additional coverage is provided by an umbrella policy.


9. What is Commercial Automobile Coverage?

Commercial Automobile coverage protects the business owner from losses resulting from bodily injury or damage to other people's property caused by the use of a covered automobile. The coverage can also cover damage to the insured's own vehicles.


10. What is Workers' Compensation Coverage?

Workers' Compensation policies include two basic coverages. The first coverage provides medical expense benefits, rehabilitative benefits and lost wages to employees who are injured or disabled as the result of a job-related illness or accident, as determined by applicable state laws. The second coverage is Employer's Liability. This section covers suits by employees, or their family member, against their employers for job-related accidents.


11. What is professional liability coverage?

Professional liability covers the errors and omissions in the performance of professional duties. Errors and omissions coverage may include legal defense costs and any resulting judgments, up to the limits of the policy. This is very important for any firm acting in a professional capacity.