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Frequently Asked Questions

Insurance Questions, Answered

Clear, practical answers to common coverage questions.

What affects the cost of insurance?

Cost is generally based on services, revenue, claims history, and project types. Carrier underwriting guidelines also influence pricing and availability.

How often should I review my insurance program?

Programs are typically reviewed annually or when there are changes in services, contracts, or operations.

What is the difference between a BOP and standalone GL and property policies?

A BOP combines general liability and commercial property into a single policy with simpler administration. Standalone policies offer greater flexibility in limits, endorsements, and carrier structure. The appropriate approach depends on how your operations are structured.

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