Frequently Asked Questions

A deductible is the pre-determined amount for which a policy holder is responsible in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder up-to the policy limits.

There are any number of factors that are used to determine the premium on an insurance policy including but not limited to - previous losses, the value of the insured item(s), as well as the risk associated with what is being insured.

A risk assessment is a preliminary tool we use to understand our customer's unique situations and develop a comprehensive, proactive strategy designed to protect the customer from excessive risk exposure.