100 Frequently Asked Insurance Questions by Insurers

Business Insurance

Insurer: Tell me whether my business need employment practices liability?
Insurer: Should my small business have business income insurance?
Insurer: What are the exclusions on a general liability policy?
Insurer: What is the difference between general liability and professional liability?
Insurer: What is hired and non owned auto liability insurance?
Insurer: How does your loss ratio affect business insurance premiums?
Insurer: How is a business owners policy (BOP) different from general liability?
Insurer: What is New York state short term disability insurance?
Insurer: What is covered on a commercial general liability insurance policy?
Insurer: What is covered under a fiduciary liability insurance policy?
Insurer: Why does it take longer to get a business insurance quote than an auto insurance quote?
Insurer: What is the Best Restaurant Insurance Program?

Auto Insurance

Insurer: What is the difference between comp and collision coverage?
Insurer: What is uninsured motorist coverage?
How does full glass coverage work?
Insurer: What is covered by comprehensive physical damage on car insurance?
Insurer: What is med pay coverage on a car insurance policy?
Insurer: Do I need more than the state minimum coverage?
Insurer: If my car brakes down, will my auto insurance carrier cover rental car?
Insurer: What is household rating and how does it effect my car insurance premiums?
Insurer: What is household rating and how does it effect my car insurance premiums?
Insurer: If my garage burns down, will my homeowners insurance cover my car?
Insurer: Does my car insurance cover me when I rent a car?
Insurer: Does My Auto Insurance Cover a Hit-and-Run Accident?
Insurer: Are no fault and personal injury protection the same coverage?
Insurer: What is other than collision coverage?
Insurer: What’s the difference between Bodily Injury coverage and Med Pay?
Insurer: When do I file an auto insurance claim?
Insurer: Does my car insurance cover bodily injury and property damage?
Insurer: Does my auto insurance pay if someone else is driving my car?
Insurer: What happens to my comp and collision premium as my car loses value?
Insurer: What is physical damage coverage on a car insurance policy?
Insurer: Can I cancel my auto insurance policy anytime?

Home Insurance

Insurer: What is renter insurance?
Insurer: What is water back up and sump pump failure insurance?
Insurer: What makes landlord insurance different from homeowners insurance?
Insurer: What is personal property insurance on a homeowner insurance policy?
Insurer: Can my homeowners insurance carrier cancel my insurance after three claims?
Insurer: Is Hail Damage Covered on My Homeowners Insurance Policy?
Insurer: How does actual cash value (ACV) affect a homeowners insurance claim?
Insurer: How much homeowner insurance should I have?
Insurer: What insurance covers my jewelry for theft?
Insurer: How does escrow work with my homeowners insurance payments?
Insurer: Do I need boat insurance or is my boat covered by home insurance?
Insurer: What is coinsurance and how does it affect my building insurance?
Insurer: Does Homeowners Insurance Cover a Nuclear Explosion?
Insurer: What is NOT Covered on my Homeowner Insurance Policy?
Insurer: How is condo insurance different from homeowner insurance?
Insurer: When does my business need employee benefit liability?
Insurer: Is debris removal covered on homeowner insurance policy?

Personal Umbrella Insurance

Insurer: How does an umbrella insurance policy work?
Insurer: What is an umbrella policy and why would I need one?
Insurer: What does a personal umbrella policy cover?
Insurer: What is personal liability insurance?
Insurer: When should I purchase a personal umbrella policy?

Workers Compensation Insurance

Insurer: How are workers compensation premiums calculated?
Insurer: How does pay-as-you-go workers comp help my business?
Insurer: Can an employee sue my business if I have workers comp?
Insurer: When do I need workers comp for my employees in New York state?
Insurer: What is employers liability on a workers compensation policy?
Insurer: Do I need to cover independent contractors for workers comp?

Life Insurance, Long-term Disability and Long-term Care

Insurer: What is universal life insurance?
Insurer: What is the difference between universal and whole life insurance?
Insurer: How much life insurance should I buy?
Insurer: Why is there life insurance for children?
Insurer: Is my employer sponsored life insurance plan enough?
Insurer: Do I need long term disability income insurance?
Insurer: Does long-term care insurance cover nursing home cost?
Insurer: Who do I buy key person life insurance for?
Insurer: What is the difference between whole life and term life insurance?
Insurer: Are You Safe with Your Employer’s Group Life Insurance?
Insurer: Why is buy-sell agreement life insurance important?
Insurer: Do I need long-term care insurance?
Insurer: What’s the difference between group life and individual life insurance?
Flood Insurance
Insurer: How does my flood zone effect flood insurance premium?
Insurer: Do I need flood insurance?
Insurer: Is flood covered under homeowners insurance?

Health Insurance

Insurer: What is coinsurance and how does it affect my health insurance?
Insurer: How do I set up a health savings account?
Insurer: What is considered a pre-existing condition on health insurance policy?
Insurer: What is a high deductible health insurance policy?
Insurer: What is the cost of offering a group benefit program?
Insurer: How do I offer my employees health insurance?

General Insurance Questions and Terms

Insurer: What is replacement cost?
Insurer: Should I package my home and auto insurance with the same insurance carrier?
Insurer: What is the importance of being the first named insured on an insurance policy?
Insurer: What is actual cash value?
Insurer: When do I need an additional interest on my insurance policy?
Insurer: How does my credit score effect my insurance premium?
Insurer: What is a waiver of subrogation?
Insurer: How can the ISO rating on my building affect the insurance premiums?
Insurer: Should I have replacement cost or actual cash value property insurance?
Insurer: What is an Independent Insurance Agent?
Insurer: Why does the insurance company audit my business every year?
Insurer: Does my credit rating influence my car insurance premiums?
Insurer: Will I have to pay more for insurance because I’m young?
Insurer: Does changing my insurance company affect my credit score?
How do I insure a vacant building?
Insurer: Does how I pay for my insurance affect my premiums?
Insurer: What is an additional insured and when do I add additional insured to my policy?
Insurer: How are insurance claims handled on a partial loss?

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