Frequently Asked Questions
You have questions. We have answers.
Only a few insurance companies currently accept credit card payments. Some accept credit card payments online, but there are some who will only take credit card information over the phone. You can find a full list of payment options by going to the payment section of our website.
- Does your personal auto policy follow you?
- Should you buy the collision damage waiver?
- Does your credit card provide coverage?
For a comprehensive discussion, we suggest you contact your Account Manager, who will assist you in ensuring that you have the proper coverage while enjoying your trip.
For home owners and business owners:
- You may need an Elevation Certificate to determine your correct rate.
- Higher deductibles might lower your premium.
- Consider incorporating flood mitigation into your remodeling or rebuilding.
- Building or rebuilding higher will lower your risk and could reduce your premium.
- Consider adding vents to your foundation or use breakaway walls.
- Talk with local officials about community-wide mitigation steps.
- Talk with your legislators about the Homeowner Flood Insurance Affordability Act and other legislation that could help to mitigate the impact the new Program has or may have on your flood insurance rates.
Homeowners insurance does not usually cover these perils, nor does it include business interruption coverage. You may be able to add these coverages as endorsements. Contact us to see how. Also consider protecting yourself with life insurance, health insurance, disability protection and workers’ compensation insurance.
- The growth of cash values can help cover future expenses, such as a college education
- Purchasing coverage now can protect against future uninsurability
- Life policies are very affordable at young ages
- A juvenile whole life policy can help set children on the right path to greater financial security.
Our Financial Services and Benefits Department would be happy to help you weigh the pros and cons.
can create enormous financial and reputational consequences. Here are the top 5 reasons your business may need it.
- Data breaches and cyber attacks increased 42% in the last year alone.
- It’s not just the big guys getting hacked – 40% of all breaches have occurred in organizations of 1000 or fewer employees and 31% in organizations of fewer than 100 employees.
- All industries are vulnerable to a data breach or cyber attack.
- The average cost of a data breach has risen to $5.4 million and includes costs related to business disruption, revenue loss, equipment damages, legal fees, public relations expenses and forensic analysis, as well as notification costs that are legally mandated.
- Costs associated with a data breach average $188 per compromised record.
The good news – cyber liability has gotten more affordable, and we can help you figure it out.