FAQ'S
Commercial Insurance
What types of business insurance do I need?
Business owners ask which specific policies are necessary for their industry, such as liability, property, or business interruption insurance.
How is the value of my business assets determined?
Clients want to know how insurers calculate the value of their assets for coverage purposes.
What is business interruption insurance, and do I need it?
Clients often question whether they need coverage for potential loss of income due to unforeseen events.
How does public liability insurance protect my business?
Many clients seek information on how this type of insurance safeguards them against third-party claims.
What are the common exclusions in commercial insurance policies?
Business owners frequently ask about the limitations and exclusions in their policies to understand what is not covered.
Personal Insurance
What does short-term insurance cover?
Clients often want to know the range of assets covered, such as vehicles, homes, and personal belongings.
How are premiums calculated?
Clients ask about the factors influencing their premium rates, including age, location, claims history, and the value of insured items.
What is the excess amount, and how does it work?
Many clients inquire about the amount they must pay out-of-pocket when making a claim and how it affects their premium.
What is the difference between comprehensive and third-party insurance?
Clients often seek clarification on the differences between these types of coverage, especially for vehicle insurance.
How can I reduce my premiums?
Clients are interested in tips or strategies for lowering their insurance costs, such as installing security features or bundling policies.
Life Insurance
What types of business insurance do I need?
Business owners ask which specific policies are necessary for their industry, such as liability, property, or business interruption insurance.
How is the value of my business assets determined?
Clients want to know how insurers calculate the value of their assets for coverage purposes.
What is business interruption insurance, and do I need it?
Clients often question whether they need coverage for potential loss of income due to unforeseen events.
How does public liability insurance protect my business?
Many clients seek information on how this type of insurance safeguards them against third-party claims.
What are the common exclusions in commercial insurance policies?
Business owners frequently ask about the limitations and exclusions in their policies to understand what is not covered.