Frequently Asked Questions

Below are some of the frequently asked questions we receive.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at a location near you.

1. What is a deductible?
2. Is a deductible paid only once?
3. What is an exclusion?
4. What is a certificate of insurance?
5. What does "Limits of Liability" or "Limits of Coverage" mean?

What is a deductible?
A deductible is the monetary portion of a claim which the policy holder is responsible for paying. 

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Is a deductible paid only once?
No, each claim usually has a separate deductible.

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What is an exclusion?
An exclusion is a clause in the insurance policy that describes what is not covered. 

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What is a certificate of insurance?
A certificate of insurance is a widely accepted form that provides evidence of insurance coverage to other people. 

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What does "Limits of Liability" or "Limits of Coverage" mean?
This is the amount of money that the insurance company will pay for claims. Insurance policies have different types of limits: some limits are for each event, some are for each claim, and some are the total aggregate of all claims during the policy period. 

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