Frequently Asked Questions
Q. Why should uninsured motorist coverage be included in my auto policy if I live in a state with mandatory insurance?
A. Even though Massachusetts has mandatory auto insurance, it is estimated that up to 15% of drivers are operating a vehicle without insurance. If you are in an accident with an uninsured driver, it may be difficult to collect damages. This is where your uninsured motorist coverage protects you.
Q. How much coverage do I need to make sure my home is properly insured?
A. You should carry enough homeowner’s insurance to cover the cost of rebuilding your home with the same quality of materials from which it was originally built. Insurance coverage is determined by what it costs to rebuild your home, not what you could sell it for in the real estate market.
Q. Am I covered if I'm sued due to my employee being in an auto accident
while using their personal vehicle for company business?
A. You would only have coverage if your policy included non-owned auto coverage.
Q. Are my contractors' tools and equipment automatically covered?
A. No, only if you add this coverage to your General Liability policy.
Q. Do I have coverage under my General Liability policy if I'm sued by my employee for wrongful termination or sexual harassment?
A. No. This coverage must be purchased through a separate Employers practices Liability policy.
