An umbrella offers an additional layer of liability protection to the underlying policies such as home and auto for personal insurance and general liability for business insurance. If a loss exceeds the underlying policy, the umbrella covers the excess up to its limits. Umbrella policies are inexpensive considering the amount of coverage provided; it is a great value.
Who is responsible to damage to my house when my neighbor’s tree falls on it?Rob Burkett2020-05-13T00:51:28+00:00
If the falling of the tree or limb was caused by a covered peril (lightning or wind for example) your homeowners insurance will cover the damage. If the tree or limb was dead, your neighbor is responsible if you have informed your neighbor that the tree endangers your property.).
What happens if an uninsured driver hits my car and injures a passenger?Rob Burkett2020-05-13T00:51:03+00:00
We highly recommend adding Uninsured motorist coverage to your auto policy that will cover the injuries of the passenger. The damage to your car will be covered (minus a deductible) provided you have collision coverage for that car.
How can I get the lowest rates for my home and car insurance?Rob Burkett2020-05-13T00:50:34+00:00
Insurance premiums for workers compensation is based on total payroll estimated at the beginning of a policy period. An audit is required after the period expires to determine the accuracy of the estimated payroll. If the estimate is too low, additional premium is required. If the estimate was too high then the difference will be refunded.
How should I insure my personally owned truck used for my plumbing business?Rob Burkett2020-05-13T00:27:22+00:00
Your premiums for general liability and workers compensation are based on total payroll which includes sub-contractors. A certificate of insurance from subs are required to exclude their payroll from determining your premium due.
Is my home covered if a nearby creek rises and water enters my home?Rob Burkett2017-07-18T03:02:55+00:00
Your Alabama auto insurance policy will cover rental cars if you have full coverage on any vehicle on your auto policy. However, we do recommend that you buy the insurance from the rental car company to make sure you are fully covered for 2 issues. First, your car insurance policy does not cover for loss of use. That means the time it takes to repair the car will make the car not rentable and you can be charged for this loss of use. This can be very expensive if the vehicle requires a significant time to repair. Second, business use of a rented vehicle is never covered by a personal auto policy. So, if you are traveling on business and rent a car, you will not have coverage from your current auto policy.
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