Question 1

How does lawyer malpractice insurance work?

Accepted Answer

As a specialized lawyer, you have unique needs, and what works for one person may not work for you. Fortunately, not every lawyer liability insurance policy looks the same.

Question 2

What is farm insurance?

Accepted Answer

Farm insurance is a specialized form of agribusiness insurance that provides you dual coverage by protecting your home and operation. Policies differ, but like agribusiness insurance, the four main areas of coverage include:

Home and contents (detached garages, other personal use buildings) 
Farm and ranch personal property (livestock, feed, machinery, equipment) 
Farm and ranch structures 
Business and personal liability coverage

Question 3

What is lawyer malpractice insurance?

Accepted Answer

While there are different policies available for attorneys, lawyer malpractice insurance is often the most discussed. You may have also heard lawyer malpractice insurance referred to as legal professional liability insurance or legal errors and omissions insurance.

Question 4

Who needs lawyer insurance?

Accepted Answer

All lawyers can benefit from having insurance. Some lawyers need more insurance than others, and the type of insurance you have can vary, but insurance ultimately provides you with peace of mind and a financial safety net.

Question 5

What is residential care insurance?

Accepted Answer

Assisted living facility insurance and residential care insurance are the same thing, just with two different names. Both coverages are tailored for elderly care facilities and can come in all shapes and sizes, depending on the business. There isn't a one-size-fits-all assisted living facility insurance policy able to cover all your risks, but this means you can tailor coverage to meet your needs.

Question 6

What insurance do attorneys need?

Accepted Answer

Like we mentioned before, all lawyers should at least consider legal malpractice insurance. From there, the coverage available is generally meant for owners or partners of law firms. Some policies your firm should consider are:

Question 7

How much does asphalt paver insurance cost?

Accepted Answer

No one asphalt paving contractor insurance policy looks like another. The same can be said for your insurance premium as well. Because there&rsquo;s so much variation between asphalt paving businesses, there&rsquo;s no precise premium estimate. However, we can tell you what factors can influence your premiums.

Your business&rsquo;s location
Claims history
Size of your operation
Number of employees
Your chosen deductible
Amount of coverage you choose

Question 8

What if some of my beer is not brewed properly and I have to throw it out? Is that covered?

Accepted Answer

No matter how diligent you are at producing a quality product, there can be times when situations beyond your control result in a batch of beer unfit for customer consumption.
If a contaminated batch is caught before leaving the brewery, you face the cost of wasted materials and production time, disposal, and the loss of revenue from not being able to sell the final product.
If the batch makes it to store shelves, it can be even more costly. Not only is there the time and cost of replacing the contaminated product with a sellable one, but there is also the need to protect your brand during a recall.
A poor product experience can be especially damaging for small brewing operations that rely heavily on word-of-mouth advertising. Be prepared to work not only with distributors but also directly with consumers who have received a less-than-quality product.

Question 9

Will my insurance cover my equipment I use to brew?

Accepted Answer

Given the small size of most craft brewing operations and their lack of backup machinery, an equipment failure can significantly impact production ability. If equipment is damaged or breaks down, not only will there be repair and replacement costs, but there is also the chance that you will have to suspend part of your brewing operation until the equipment is fixed, resulting in lost sales revenue.

Question 10

Are there any exclusions or limitations in insurance policies for asphalt pavers?

Accepted Answer

Pollution coverage is the most notable exclusion you should worry about as an asphalt paver. In general liability policies, pollution liability is listed as an exclusion. You must purchase a standalone pollution liability policy if you want coverage.

Question 11

Is there anything agribusiness insurance doesn't cover?

Accepted Answer

As with any standard insurance policy, there are specific exclusions and exceptions. One of the most notable exclusions people often don't know about is fencing. In a basic agribusiness policy, the fencing on your property is excluded. However, if you rely on your fencing to keep your daily operations organized and running smoothly, you can find special riders and policy extensions that add fence coverage.

Question 12

What types of insurance do asphalt pavers need?

Accepted Answer

The exact insurance you purchase depends on your needs. Not every asphalt paving business is the same, meaning no two asphalt paver insurance policies will be the same. However, there are general coverages any asphalt paving company should consider.

Commercial Property
Commercial General Liability
Commercial Auto
Inland Marine
Workers Compensation
Equipment Breakdown
Pollution Liability

Question 13

Who needs archery insurance?

Accepted Answer

Anyone who relies on archery as a source of income   whether it's teaching classes, running a range, or leading a club   should have an active archery insurance policy.

Question 14

How Much Does Craft Brewery Insurance Cost?

Accepted Answer

The cost for craft brewery insurance will depend upon the size of your business and the type of brewery you operate, the specific risks you are exposed to, and the coverage amounts and deductibles you choose. Your independent agent can help review your risks and provide craft brewery insurance costs for coverage that would best protect your company. Contact your independent agent to discuss getting a craft brewery insurance quote for your business.

Question 15

Can I serve my beer at events?

Accepted Answer

When you open your property to the public you are responsible for their well-being. This is exceptionally important if you offer tours of your brewing operations. Given the possible hazards that an untrained guest could be exposed to, it is important to keep tours confined to safe areas and preplanned routes through your establishment.

Question 16

Health insurance is expensive - who pays for it?

Accepted Answer

Most businesses that offer their employees Group Health insurance plans contribute towards the cost of the coverage. Some pay for all of the employees' premiums (for single coverage) and let the employees pay the premium if they need coverage for their families. Other businesses pay a percentage of the total cost.

Question 17

How do I find the right business insurance for me?

Accepted Answer

One of our experienced business insurance brokers can help you through the complex process of finding the insurance policy that best fits your needs. We can help you identify your potential risks and liabilities and then work with you to tailor a policy that will protect your business.

Question 18

Who needs business insurance?

Accepted Answer

This answer can vary from person to person, but a good rule of thumb is everybody with a business. Consider doing a brief self-evaluation by asking yourself the following questions: Does your business have property you can't afford to replace if it's broken or damaged? Is there a possibility you may be faced with a lawsuit for a substantial amount of money?

Question 19

What is business insurance?

Accepted Answer

The term business insurance covers a wide range of policies available for purchase by businesses. There isn't a single business insurance policy able to cover your entire range of risks. However, there is an upside. Because your business is unique, you can tailor coverage to best fit your business's needs.

Question 20

What is personal insurance?

Accepted Answer

An individual health insurance policy can provide coverage for individuals, individuals and their spouses, or entire families.

Employee Benefits
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Employee Benefits Greensboro, NC - Market St, Summit Insurance Solutions - Greensboro, NC, Greensboro, NC - Cornwallis Dr, Hickory