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Frequently Asked Questions

important things you should know

Questions And Answers

With 85 years of experience providing insurance and working in communities across the country, we understands how important it is to deliver quality coverage at affordable rates. We understand that as a dedicated driver, homeowner, parent, child, or worker, you want, and rightly deserve, the most dependable coverage for your hard earned money, and with safe habits, should come lower insurance costs.

An umbrella policy is an extra layer of liability coverage, designed to go above and beyond the coverage of your other insurance policies. If you’re ever sued for damages, and the verdict exceeds even the highest limits on your existing property coverage, an umbrella policy kicks in to cover the additional expenses so you don’t have to put your savings, your home, and your business at risk.

Unless the cause of loss is excluded in the policy, a homeowners policy provides coverage for personal liability, medical payments to others, and accidental direct physical loss to your dwelling.

In addition, the policy provides coverage for your personal property for specific perils including, but not limited to:

  • Fire
  • Lightning
  • Windstorm
  • Hail
  • Theft

The insurance coverage amount is your choice. We recommend that you purchase coverage equal to or greater than the estimated replacement cost of your home. Your home's estimated replacement cost also determines which policy options are available to you.

Since it's impossible to predict the cost to replace your home in the future, it's important to have enough coverage to account for unforeseen circumstances.

Creating a risk management plan involves multiple detailed steps to ensure comprehensive coverage. We begin with an in-depth consultation to understand your business operations, goals, and unique challenges. This is followed by a thorough risk assessment, where we analyze potential vulnerabilities across your operations, including employee safety, financial risks, and external threats like market fluctuations or cyberattacks. After identifying these risks, we prioritize them based on severity and likelihood, developing strategies to mitigate or transfer these risks. These strategies may include customized insurance policies, implementing safety protocols, and providing employee training. We regularly review and update the plan to keep it aligned with your evolving business needs, industry standards, and regulatory requirements.

Preventing claims and reducing liabilities is at the heart of our risk management approach. Our team conducts proactive safety audits to identify potential hazards in your workplace or processes. We provide actionable recommendations to eliminate these hazards, such as updating equipment, modifying workflows, or adopting advanced safety technology. Additionally, we offer robust training programs designed to educate employees about safety practices, compliance requirements, and emergency response procedures. By addressing risks before they lead to incidents, our clients not only minimize their exposure to claims but also create a safer, more efficient working environment. This preventative approach can lead to significant cost savings, enhanced productivity, and a stronger reputation within your industry.

Car insurance rates depend on a number of factors. These include:

  • Personal details like age, sex, and marital status
  • Where you live
  • Average annual distance driven
  • Your vehicle
  • Your credit
  • Your coverage amount and type

According to the Insurance Information Institute, the average annual car insurance cost was around $866 dollars in 2014.

Yes. The market value of your car and the history of other drivers with the same make and model play a factor in your auto insurance rates. Certain safety features may not automatically qualify you for cheaper car insurance, but they can prevent you from getting into accidents, saving you money indirectly.

Business liability insurance is any commercial insurance that involves a business’s responsibility for losses, injuries, or damages. Types of liability insurance include:

  • General liability insurance to cover customer injuries and property damage
  • Professional liability insurance for work mistakes that negatively impact a client
  • Commercial auto insurance for accidents involving business-owned vehicles
  • Employer’s liability insurance to protect against employee injury lawsuits

Learn more about business liability insurance.

In certain cases, business insurance is required by law. Most states require businesses with employees to obtain workers’ compensation insurance. Business-owned vehicles must be insured with commercial auto insurance. Also, state laws may require some businesses to obtain insurance as part of the licensing process. For example, bars typically need liquor liability insurance as a prerequisite for a liquor license.

Effective risk management does more than mitigate immediate threats—it lays the groundwork for sustainable business growth. By addressing potential risks early, businesses can avoid costly disruptions, legal issues, or reputational damage that could hinder expansion. With tailored risk management solutions in place, companies can confidently pursue new opportunities, secure partnerships, and attract investors, knowing their assets are well-protected. Additionally, having a structured risk management plan demonstrates to stakeholders—such as employees, clients, and regulators—that your business is committed to operational excellence and compliance. Over time, this commitment fosters trust, loyalty, and competitive advantage, all of which are essential for achieving long-term success.