
Business Owners Policy
Business Owners Policy Package policies that combine general liability, property insurance and business income arrow-icon-size3 Business Owners Policy
The commericals are everywhere – saving money on car insurance is big business but not all auto insurance policies are created equal. Knowing how to maximize discounts and staying aware of policy restrictions can help you get the coverage you need without overpaying.
Full coverage has a number of different defiinitions so be sure to clarify whenever speaking to an agent about coverages.
Typically, full coverage indicates you’ve selected coverage for your vehicle. You’ll select a deductible which represents the amount you will retain of any loss, typically $500 for Comprehensive and Collision.
Liability only indicates you’ve declined coverage for your own vehicle but wish to maintain the legally required coverage for your liability to others. No deductible applies to 3rd party coverage.
This is one of those areas where all policies are not created equal. Many policies are written so that coverage will transfer to the rental vehicle just the same as if you were driving your own car. That means if you didn’t purchase the coverage for your own car then that coverage won’t exist for a rental vehicle.
Some policies are more restrictive and won’t extend coverage to temporary vehicles. Always check your policy or call us for clarification.
Again, another example of a difference between many car insurance policies.
Some insurance policies will allow permissive drivers to use your vehicle as long as they don’t live in the household and meet other policy requirements.
Other policies will not provide any coverage at all unless the driver is named on the policy.
Check your policy and check those coverages when getting a quote. We can help with that to make sure there are no surprises during a claim.
Even if you’re no longer in business, switched careers, or no longer have the policy you will still be responsible for completing audits on prior years. It’s also not nearly as bad as any other audit you’ve experienced – everything is straight-forward, and we can always provide assistance when needed.
Business Owners Policy Package policies that combine general liability, property insurance and business income arrow-icon-size3 Business Owners Policy
General Liability Protection from claims that result from normal business operations arrow-icon-size3 Short Term Insurance quote and purchase
Manage your policies online Working with an independent agency means you may have multiple policies with different carriers.
Working with an independent agency means you may have policies with different carriers. Manage them all in one place here.