4 questions to ask your agent about auto insurance

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Not all automobile insurance policies are the same. When you’re shopping for auto insurance, ask your agent questions about coverage BEFORE you buy. You will have peace of mind that your car and your passengers are protected, reducing the chance of unwanted surprises should you have a claim.


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The premium audit: Calculating a fair price

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Insurance coverage you select now covers your business during a future term. The rates you pay for coverage are intended to reflect your business’s actual exposure to risk during that future term. For some lines of insurance, like workers’ compensation, general liability or garage liability, exposure is measured by your payroll and sales and other factors that can be difficult to predict precisely. What happens if you overestimate – or underestimate – future payroll, sales, subcontracting cost or other variables? How can you be sure of paying a fair price?


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