Insurance Questions Answered

What is Products & Completed Operations on my insurance policy?

Most general liability policies in California come with additional coverage options and endorsements. These options usually include Products and Completed Operations. Products and completed operations can provide coverage when liable for damage you’ve caused through “your product” or “your work.” Let’s go over a few examples: Joe owns a deck business. One of his clients…

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Someone keyed my car! Am I covered?

Unfortunately we live in a world where walking through the parking lot and finding a car that’s been “keyed” is not out of the ordinary. What if this happens to you? Are you covered if your car is keyed? Auto policies come with coverage options your agent should have discussed with you, these include comprehensive…

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What is an insurance deductible?

Understanding how your insurance deductible works is one of the many basic insurance “need to knows” for anyone who has an insurance policy. Your insurance deductible is the amount you agree to pay in the event of a loss covered by your insurance company. For example: Let’s say your property was completely destroyed in a fire.…

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Does my business need employment practices liability? (EPLI)

Before you can decide if you need employment practices liability insurance coverage (EPLI) you should take into account the risks you face on a daily basis. EPLI is geared toward the business owner with employees. Although sexual harassment is one of the most popular types of coverage on an EPLI policy it also provides protection…

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