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...ur auto insurance bill? At First Non Profit, our agents are always trying t... more value and better deals on their auto insurance and frankly, any insuranc...

...ane & Company offers a focused, non-admitted Hired & Non-Owned Auto Insurance program that help...ness policy or over drivers’ personal auto insurance, depending on underwritin...

The Claims Process If an incident occurs that may lead to a claim, you should notify your insurance company or agent immediately. Be prepared to explain what has happened in detail including the time, date, the names of any witnesses, and any other pertinent information. Not all claims will be accepted by the insurance company, however. As a business owner, you are required to file a claim with your insurance carrier. If you have used an agent in the process, then they will help you file the claim. Most business insurance companies allow you to file a claim over the phone and also offer up an online option. Regardless, there is quite a bit of paperwork and details involved, regardless of what the claim may be. The business is then assigned a claim adjuster, who will review the claim and determine if the claim is covered. They may require more paperwork and it may be weeks before you know if the claim is denied or accepted. If denied, you can appeal and submit more information. If accepted, they will give you explicit instructions on how you will get compensated, whether they will be assigning their own attorneys (as needed), or how they will reimburse your company based on the circumstances. To learn more from our experts in the Savannah, GA and surrounding areas, get in touch with us. How do you pay for the policy? Three options depending on your circumstances – Paid Up front – usually for new businesses, or businesses that don’t have strong financials. Monthly Installment (financed) Quarterly or twice a year payments (not necessarily financed, but because you have a history with the carrier they give you this payment plan) What does it cost? It’s difficult to come up with any tangible estimate as it varies greatly based on the coverage you need, type of business, revenue earned, exposure profile of the business; what other additional policies you have, etc. But, by way of example - let's take a small marketing services firm (office workers), that has 5 employees (including one owner - 100%). All the employees work indoors, do not use their cars for work purposes, no goods to move, has a company informational website (but no real cyber liability exposure), has clients than typically pay about $20,000 per year in fees to the firm. The firm needs $1M million in coverage and $2 million in aggregate coverage. A firm such as this can expect to pay somewhere between $500 and $2,500 a year in general liability insurance coverage. This is an example only - actual costs will vary. Your state, local county regulations and rule could affect the costs of insurance. To learn more from our experts in the Savannah, GA and surrounding areas, get in touch with us.

...cated Scheduled Auto Hired/Non Owned Auto Auto Liability Physical Damage Truc...

...ates Liability Insurance Group—this non-admitted program delivers broad protec...clude $500,000 for General Liability, Auto Liability, Liquor Liability, Profes...

...ne commercial cleaning operations, owned or leased equipment, routine subcontr...nd Marine, Crime, Worksite Pollution, Automobile, and Excess (follow-form avai...

...ith access to multiple admitted and non-admitted markets. We place occurrence-...and regulatory placement (admitted vs. non-admitted) can vary by state and car...

...ysical Abuse (separate limits) Automobile Excess Liability Workers... that needs campus property coverage, automobile liability for student transpo...