Faq

No. Your business policy does not cover your vehicles. You will need a separate Commercial Auto or Fleet Insurance policy to properly protect your company cars or trucks.

This is where Business Interruption coverage is critical. It can help replace lost income and cover ongoing expenses like rent and payroll while you recover.

This depends on your industry and risk exposure. We will analyze your operations to recommend an appropriate limit that protects your business assets from a major lawsuit.

We recommend a full policy review at least once a year, or whenever you make a significant change like hiring new employees, moving, or launching a new product.

Yes. A single accident or lawsuit could be financially devastating for a small business. The right insurance is a crucial safety net for your investment.

General Liability covers physical risks like property damage or bodily injury. Professional Liability (E&O) covers financial loss to a client from your services or advice.

If a disaster (like a fire) forces you to close temporarily, this coverage helps replace lost income and pay ongoing expenses, ensuring your business survives.

The cost varies based on your industry, size, and risks. As brokers, we shop the market to find you the most affordable and comprehensive options.

Absolutely. We recommend an annual policy review to ensure your coverage scales with your growth, protecting new assets, employees, and revenue streams effectively.

Yes. A “Business Owner’s Policy” (BOP) or a “Contractors Package” are common ways to bundle essential coverages like property and liability to save money.

While not legally mandatory like car insurance, most marinas, yacht clubs, and lenders require you to have proof of liability coverage to use their facilities.

Typically, home insurance only provides very limited coverage for small, low-horsepower boats. A dedicated policy is needed for proper protection and liability.

It also covers crucial things like liability if you injure someone, emergency towing, wreckage removal, and loss or damage to your personal gear and equipment.