A: Insurance premiums are affected by factors such as driving record, credit history, location, age, vehicle type, coverage limits, and claims history, as well as local accident and theft rates and the insurance company's risk profile. To ensure fair pricing, it's important to review policies, compare quotes, and understand influencing factors. Consulting with any of our agents or brokers can provide insights and potential ways to lower premiums.

A: After filing a claim, your insurance company will acknowledge receipt and assign a claims adjuster to assess the damage or loss. The adjuster investigates by assessing damage, reviewing documentation, and gathering information. Based on this, the company evaluates coverage and compensation, communicating their decision and issuing payment if approved, before closing the claim. Talk to us and see how we can make this process easier for you.

A: Construction liability insurance typically covers bodily injury and property damage that occurs as a result of your construction activities. This may include coverage for injuries to workers (workers' compensation insurance is usually separate), as well as damage to tools and equipment used in the construction process. However, coverage can vary depending on your policy, so it's important to review your insurance policy carefully or consult with your insurance provider to confirm exactly what is covered.