Coverage Questions & Library

three cars with crumpled fenders and one man on his cellphone

What is Hired Automobile Coverage?

Hired Auto and Non-Owned Automobile Coverage Hired Auto and Non-Owned Auto coverages are usually added as an endorsement to a commercial auto policy or sometimes as to an endorsements to …

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Independent Contractors

(Copied with permission from IIAT website.)  Prior to passage of the 1991 Workers’ Compensation Act, the status of independent contractors was subject to considerable debate and confusion. The previous statute …

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How much insurance do I need on my home?

Replacement cost vs appraised value. During construction of a single-family house, the home builder will carry insurance for builders’ risk and general liability.  Historically, most homeowners don’t insure their properties …