We make the claims process as seamless as possible. Simply contact our office or your insurance carrier directly. We’re here to assist and guide you every step of the way.
Yes, bundling policies like auto and homeowners insurance can often qualify you for significant discounts. We’ll help you explore all available options.
Don’t worry—contact our office, and we’ll provide replacement copies or digital versions quickly.
We recommend reviewing your policies annually or any time you experience a major life change, like buying a new home, getting married, or starting a business.
Insurance premiums are influenced by factors like your coverage limits, deductible, location, claims history, and type of policy. Our agents can explain these details and recommend ways to manage your costs.
Yes, but vacant buildings pose higher risks. Insurers may offer limited coverage or charge higher premiums. Inform your agent about the vacancy to arrange appropriate coverage.
No, switching insurance providers does not impact your credit score.
It's an agreement where your insurer waives the right to seek reimbursement from a third party responsible for a loss. This is common in contracts with contractors or service providers.
The first named insured holds primary rights and responsibilities, including receiving policy notifications, making changes, and receiving refunds.
Yes, carrying only the state minimum coverage may not adequately protect you in the event of a serious accident. We recommend higher coverage limits to ensure comprehensive protection.
In Pennsylvania, insurance follows the vehicle. If you permit someone to drive your car, your policy typically covers any accidents they may cause, including bodily injury, property damage, and physical damage to your vehicle, provided the driver is not excluded from your policy.
Standard auto policies may not cover rideshare activities. If you drive for services like Uber or Lyft, we recommend discussing rideshare coverage options with us.
Gap insurance covers the difference between the amount you owe on a vehicle loan and the vehicle's actual cash value if it’s totaled. This is especially useful for new vehicles.
Yes, many insurers offer safe driver discounts based on clean driving records or completion of defensive driving courses. Ask us how to qualify.
No, rental car coverage under your auto policy generally applies only to covered losses resulting from accidents or other insured events, not mechanical breakdowns.
No, homeowners policies usually exclude coverage for motorized vehicles that require separate insurance. Your auto policy would cover fire damage to your vehicle if you have comprehensive coverage.
Yes, even small businesses without sensitive data can be vulnerable to cyberattacks. Cyber liability insurance can protect against costs related to data breaches, ransomware, or system downtime.
General liability covers physical injuries or property damage caused by your business. Professional liability, or Errors & Omissions (E&O), protects against claims of negligence or errors in professional services.
If you or your employees occasionally drive vehicles not owned by the business for work purposes, it's advisable to add this coverage. It protects your business from liability in case of accidents involving these vehicles.
While your general liability policy may cover bodily injury or property damage caused by your equipment, it doesn't cover damage to the equipment itself. An inland marine policy can provide coverage for the equipment against damage or loss.
Yes, it's crucial to have insurance from day one to protect against potential losses arising from your business activities.
This coverage reimburses you for lost income and additional expenses incurred if your business operations are interrupted due to a covered loss.
Obtaining certificates verify that your subcontractors have their own insurance. Without this proof, your insurer may hold you liable for claims or charge additional premiums.
Yes, standard homeowners policies typically exclude coverage for water backup through sewers or drains. Adding this endorsement provides protection against such events.
Standard policies may offer limited coverage for business property but often exclude business liability. We recommend a separate business policy to ensure adequate protection.
Premiums are influenced by factors such as proximity to fire stations, geographic location, security features, and your insurance score.
Provide details about your home's age, construction type, square footage, and the age and type of roof, electrical, plumbing, and heating systems. Also, disclose any liability concerns like owning a dog, pool, or trampoline.
No, homeowners policies do not cover injuries to the homeowner on their own property. Such injuries should be claimed under your health insurance.
While some basic coverage might apply, it’s often not enough for a business. We recommend exploring a home-based business insurance policy for full protection.
Major renovations can impact your coverage needs. Let us know about updates to ensure your policy reflects your home’s increased value or risks.
The best benefits packages often include health, dental, vision, and life insurance, along with retirement savings plans and voluntary options like disability coverage. We can help you design a competitive package.
Yes, many businesses offer tiered or customized benefits based on employee roles, tenure, or location. We’ll work with you to create a flexible solution.
Is a U.S. healthcare reform law that aims to make health insurance more accessible and affordable. It introduced changes such as expanded Medicaid eligibility and the establishment of health insurance marketplaces.
Under the ACA, insurance companies cannot deny coverage or charge higher premiums based on preexisting conditions.
New employment, loss of coverage, marriage, having a child, court order
To file a claim, please call the customer service member phone number listed on your ID card.
Employees can access ID cards through their online member portal or as a group administrator, you can retrieve ID cards through your online employer portal.
Generally, workers' compensation provides benefits to injured employees in exchange for relinquishing the right to sue the employer for workplace injuries.
Workers' compensation covers injuries or illnesses that occur during the course of employment. This includes accidents on the job, repetitive motion injuries, and illnesses caused by workplace conditions, such as exposure to harmful substances.
Yes, in most states, including Pennsylvania, workers' compensation is required for all employees, regardless of whether they are full-time, part-time, or seasonal. Ensuring coverage protects both your employees and your business.
If an employee is cleared to return to work but refuses, workers' compensation benefits may be impacted. Employers should communicate with their insurance carrier and legal advisors to address the situation appropriately.