A Business Owners Package's main coverages are General Liability, Property Coverage, and Loss of Income. However, these packages include many small coverages that are included at no charge and the policies can be endorsed to make them stronger.

Insurance Companies are rated by Rating Companies like Moodys and Best. Strong Companies should have (A) ratings or higher.

Coverage does not begin until we have received the initial payment and all required documents from you. Also, the insurance company needs to issue a binder of insurance with your name, effective dates, policy number, and coverage limits. We will then provide you with a certificate of insurance or proof of insurance card.

Most Carriers offer monthly payments. If they do not, we have financing available.

Most companies have multiple policy discounts, no-loss, safety, and sprinkler discounts.

By choosing a higher deductible your policy receives discounts which lowers your premium. Take the highest deductible that you feel you can comfortably afford.

Flood and Earthquake coverage is normally excluded from Business and Home policies. These events can be covered when you purchase separate policies.

Only if you have Collision and Comprehensive Physical Damage on your Auto Policy. Your deductible will apply.

There is no cost for a certificate of insurance unless you are required to provide special wording or coverage.