Frequently Asked Questions

Though both insurance agents and brokers serve as intermediaries between consumers and insurers, they do have several key differences. Agents work for insurance companies, while brokers work for consumers/individual buyers. Because brokers directly represent their clients, they have a duty to provide impartial advice and act in the buyers' best interest. Agents, on the other hand, are motivated to sell the products that the insurers they represent offer.

 At a 10,000 foot view, general liability is slips, trips and falls--meaning bodily injury and/or property damage to a 3rd party. If a woman walks into your business and slips on a puddle, breaks her hip and sues your business for the medical damage, that’s general liability.

Professional liability is protecting your business against bad advice or guidance. Any time you give a professional opinion, advice or guidance, you are opening yourself up to a professional liability claim. Coverage would ensure no repercussions fall back on your business and investments.

An umbrella insurance policy works exactly as the name describes. The umbrella policy sits over the top of underlying insurance policies and provides an extra layer of liability insurance.

In the case of a personal umbrella, underlying policies would include auto insurance, homeowners insurance, boat insurance, rental property insurance, etc. If the limit of liability is used up on the underlying policy then the umbrella kicks in to provide additional coverage.

Umbrella insurance policies are an important part of every insurance program.

Renter insurance is an insurance policy built to suit the needs of individuals and families who do not own the property they live in. In many ways a renter insurance policy is similar to a homeowner insurance policy, except the building coverage has been removed. However, there is still coverage for personal property and personal liability among other important coverage.

For the amount of insurance contained within a renter insurance policy the cost is very minimal not to mention with most insurance carriers you get the same multi-policy discount on your auto insurance as you do with a homeowner insurance policy.

Physical damage coverage on your auto insurance policy is coverage for damage done to your car.

Now if someone else is at-fault then their auto insurance will most likely pay for the damage. But when that is not the case, then damage to your auto is covered under physical damage coverage.

Long-term care insurance becomes more important every single day as the cost of providing health care rises. Families are going bankrupt paying the long-term care expense for elder loved ones that can no longer make it on their own.

Long-term care doesn’t just provide coverage for the nursing home or facility. Long-term care policies can also provide coverage for in-home care as well as many other benefits you may not be aware of.

It is very common these days for children to pay long-term care policies on their parents to protect their own assets in the event their parents some day need long-term care service.