What is workers’ compensation insurance?
Workers Compensation insurance is a required in almost every state. It covers the cost for benefits to employees with work-related injuries or illnesses, including medical, wage loss, and death benefits. Workers Comp is priced based on payroll and job [...]
What if I have a claim?
Generally, you will file your claim directly with the insurance carrier you purchase a policy through. We can help facilitate that and help along the way with communication between you and the insurance company. We’re in this with you!
What if I already have another insurance agent?
That’s okay! You can still get insurance quotes from and leverage our expertise anytime. If we can do a better job, great! If not, at least you know your agent is working hard for you. [...]
Will turning in a claim automatically increase my insurance?
Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in [...]
What is an adjuster?
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by . does not settle claims as this is done by the adjuster. However, we will assist in [...]
What is scheduling?
Scheduling involves placing specific items with a specific value on your homeowners insurance. It can also be called an “Inland Marine” policy. This allows coverage for items that may be leaving your premises and would then be lost or [...]
What is the difference between “replacement cost” and “market value”?
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. That's because the cost of materials to rebuild can exceed a [...]
Do I need to have auto insurance if my vehicle is paid off?
Yes, state insurance laws require all vehicle owners to carry auto liability insurance, which covers Bodily Injury Liability, as well as Property Damage Liability. The minimum required liability limits vary by state. Coverage for physical damage to your own [...]
What is broad form collision and can I choose something different?
Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident. There are also options to choose “regular” and “limited”. These options should be discussed with your agent. [...]
Should I make my payments to your agency or the insurance company?
All payments should be directed to the insurance company unless specifically stated by your representative. Please see our “billing” section if you wish to pay by phone or have a question on your billing account.
