Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How do I make a payment?
  2. What does Standard & Poor’s Ratings have to do with me having Insurance?
  3. What is product Liability?
  4. Is Umbrella coverage part of my Liability coverage?
How do I make a payment?
You can make a payment by clicking here

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What does Standard & Poor’s Ratings have to do with me having Insurance?
A Standard & Poor’s Insurance rating is an opinion of an Insurance company’s financial capacity to meet the obligations of its insurance policies in accordance with their terms. The key claims-paying ability ratings components are: • Industry Risk • Management & Corporate Strategy • Business Review • Operational Analysis • Investments and Investment Performance • Interest Rate Management • Capitalization • Liquidity • Financial Flexibility • Standard & Poor expresses it claims paying ability ratings through the use of the rating symbols “AAA”, “AA”, “BBB”, “BB”, and “CCC”.

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What is product Liability?
Product liability refers to the liability which results after the completion of a manufacturing or selling process by reason of a defect in merchandise or improper workmanship.

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Is Umbrella coverage part of my Liability coverage?
Umbrella coverage is not part of the Standard Auto or Homeowner’s policy. It has to be bought separately and is usually start paying for looses. When the underlying policy has been exhausted. Courts have ruled that by allowing an individual to have insurance against punitive damages, public policy is not served. As a result, even one’s personal liability umbrella will not cover these damages. Umbrella coverage is also broader than the standard liability insurance in homeowner’s policies. It will cover the insured for Libel, Slander, and defamation of character and invasion of privacy perils not covered in homeowners’ insurance.

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