Frequently Asked Questions

Your property might be insured for replacement cost, but if new laws come into play after your original property was built, it may cost you more to repair your property to bring it up to code.  Some policies exclude the increased cost of construction due to new laws or city ordinances.

Employment Practices Liability Insurance is often thought of as coverage for when an employee brings a discrimination or harassment charge to an employer.  However, prospective and current residents can also bring such charges.  Keep in mind, even groundless charges must be defended.

Many landlords insist their renters have insurance to reduce the owner's liability in legal claims or to pick up the costs to repair damages to the landlord's property if the damage resulted from the tenant's negligence.

Businesses of all sizes and types can be prime targets for cyber attacks.  In fact, 50% of small businesses have reported cyber breaches over the past year.  Cyber crime can begin as the result of a simple, everyday mistake like the loss of a work laptop, a click on a fraudulent email or a mis-mailing.