FAQ’s

Auto insurance can help protect you while in a vehicle.  You want to make sure that you have the right coverage to take care of any property or bodily injury cost that may arise when you are behind the wheel.

Purchasing auto insurance through an agent will allow you deeper insight into your options and packages.  In addition, you will likely get better customer service by using someone local that you trust will be easy to contact when needed.

• General Liability
• Property Insurance
• Business Interruption Insurance
• Workers’ Compensation Insurance
• Commercial Auto Insurance
• Employment Practices Liability Insurance (EPLI)
• Cyber Liability Insurance
• Management Liability Insurance

Pricing varies based on the business, but a small business can pay as little as $500 per year, while a major corporation could pay $500,000.  Sitting down with an agent will give you the best idea on what pricing will likely be like for your business. 

You may be required to have commercial insurance if you transport goods or people for a fee in your vehicle, haul a considerable weight in tools or equipment, or if employees operate a company vehicle.

Most people agree that life, health, auto, and disability are the main four types of insurance that you must have. 

There’s only one policy that you’re required to have as a small business and that is employers’ liability insurance (EL).

There is no law or rule about not having health insurance, but you do face risks if you choose to go uninsured. 

Health insurance covers the cost of medical and surgical expenses incurred.  This could mean that you pay out of pocket and it can be later reimbursed, or the insurance company can settle the bill directly with the hospital.

There are three main types of life insurance: Whole life, universal life, and term life.