Frequently Asked Questions

What is an additional insured?
Construction contracts frequently require contractors to add other parties to their liability policies as additional insureds. It is a second layer of protection for the contractual indemnity agreement. Additional insured can submit claims directly to the insurer without first filing a claim against the named insured.

What is a Certificate of Insurance?
A Certificate of Insurance is a document which shows the insureds name, liability limits, effective dates of the policy and also the brokers name and address. This form is often requested from clients in order to show proof to insurance or from villages or towns in order to full permits. Click Here for our Certificate Request Form

How do I file a claim?
If a claim occurs immediately contact your agent or broker. They will then ask you a series of questions regarding the claim. Try to gather as much information as you can.

What is a hold harmless agreement?
In a hold harmless agreement, one party (the indemnitor) promises to reimburse, and in some cases defend, the other party (the indemnitee) against claims or suits brought against the indemnitee by a third party. The purpose of the hold harmless is to transfer the risk of financial loss from one party (the indemnitee) to another party (the indemnitor).

What is workers' compensation?
Workers Compensation insurance provides certain payments to an employee who suffers an on the job injury due to an accident or occupational discase.

Do I need workers' compensation if I am a sole proprietor?
Worker's Compensation is not required if you have no employees. You can exclude yourself from workers' compensation by obtaining a Waiver of Subrogation.

Are employees covered under personal injury in a general liability policy?
Employees have no coverage with respect to injuries sustained by the named insured, its partners or members, or to another employee or volunteer.