Be Prepared for Unexpected Events. Our agents will help you build a policy that best protects you and your property.
Am I covered for:
Your auto policy extends to cover a rented auto with certain exclusions and limitations. As with collision coverage on your own vehicle, if there is a claim a deductible will apply.
Water backup and Sump Pump Overflow coverage is available subject to a limit and deductible.
Your Homeowners' policy may have a specified limit for jewelry coverage. For example, $1,000 after a deductible without providing an appraisal. For those items you wish to have specific coverage for above this limit, an appraisal is required to allow for properly insuring its value. This amount of coverage should be reviewed and possibly updated from time to time. “Scheduling” jewelry will give you additional coverage for perils such as “mysterious disappearance” and is not subject to any deductible.
Your personal property is covered up to 10% of your policy limits when you travel away from your home. Please be aware, as with any claim a deductible will be applied in the case of a loss.
Refrigerated Products coverage will protect you for certain types of loss to items in your refrigerator or freezer. This has a limit and is usually subject to a lower deductible.
Coverage is extended to anyone holding a valid drivers’ license that may be driving your vehicle with your permission. If the usage becomes more than occasional, that driver should be added to the policy and will be subject to underwriting guidelines.
Am I covered for:
Errands and rental situations are common in the business world. If you rent or borrow a vehicle for your business or use a vehicle belonging to others, including vehicles owned by your employee, you need Non-Owned Auto & Hired Auto coverage to cover bodily injury and property damage. Note: Physical damage to the borrowed/rented vehicle is generally not covered, although this coverage can be added as well.
There are ramifications to lending a company vehicle to someone, such as a family member or friend. After an accident has occurred and the permitted operator of the vehicle is determined to be at fault, the company’s Auto Insurance kicks in first to pay for any damages. It is important to note the insurance follows the car, not the driver. Once your Business Auto policy pays out for the claim, this will become part of your insurance loss history.