delete

Insurance Informations We will search the top carriers for you for the best offer. Or call us at (406) 721-8810 Select the forms you need to fill out Commercial Auto Property Coverage General Liability Worker’s Compensation Commercial Auto Information Property Coverage Information SECTION 2 General Business Information Worker’s Compensation Information YOUR INSURANCE AGENCY No matter […]

What is the interruption rule?

What is the interruption rule? The term “interruption rule” may refer to different concepts depending on the context. Here are two possible interpretations: Insurance Interruption Rule: In the context of insurance, especially business interruption insurance, there isn’t a specific “interruption rule.” Instead, the term might be used to describe the circumstances or events that trigger […]

How does interruption insurance work?

How does interruption insurance work? Interruption insurance, also known as business interruption insurance, is designed to provide financial protection to businesses when their operations are disrupted by unexpected events. Here’s a breakdown of how interruption insurance works: Policy Trigger: Business interruption insurance is typically triggered by specific events outlined in the policy. These events may […]

How Much Does Business Interruption Insurance Cost?

How Much Does Business Interruption Insurance Cost? Business interruption insurance costs can vary significantly based on several factors. As a general guide, here are approximate monthly premiums for different-sized businesses: Small Business: $500 – $1,500 Medium-sized Business: $1,500 – $5,000 Large Business: $5,000 – $20,000+ These figures provide a rough estimate, and actual costs will […]

How does interruption insurance work?

How does interruption insurance work? Interruption insurance, also known as business interruption insurance, is a type of coverage that helps businesses recover financial losses resulting from unexpected interruptions to their normal operations. Here’s how interruption insurance typically works: Triggering Events: Interruption insurance is often triggered by specific events outlined in the policy. Common triggers include […]

Is yoga insurance necessary?

Is yoga insurance necessary? Yes, yoga insurance is generally considered necessary for yoga instructors and studio owners. Yoga insurance provides coverage in case of unforeseen events, accidents, or liabilities that may occur during yoga classes or activities. Here are some reasons why yoga insurance is recommended: Liability Protection: Yoga instructors can be held liable for […]

What is fitness insurance?

What is fitness insurance? “Fitness insurance” is not a standard term in the insurance industry. However, it is possible that the term is used informally to refer to insurance coverage related to fitness professionals, facilities, or activities. In the context of fitness, several types of insurance coverage may be relevant: Professional Liability Insurance: This type […]

What does bodily injury cover?

What does bodily injury cover? Bodily injury coverage in insurance, particularly in auto insurance, provides protection for injuries that you, as the policyholder, may cause to others in an at-fault accident. This coverage typically includes various expenses related to injuries sustained by other parties involved in the accident. Here’s what bodily injury coverage typically covers: […]

What is best amount for bodily injury liability?

What is best amount for bodily injury liability? Determining the best amount for bodily injury liability coverage depends on several factors, including your financial situation, assets, and the potential risks you may face. Bodily injury liability coverage in auto insurance helps cover the medical expenses, legal fees, and damages associated with injuries you may cause […]

What type of insurance is most important?

What type of insurance is most important? The importance of insurance depends on individual circumstances, needs, and priorities. Different types of insurance serve various purposes, and the most important type varies from person to person. However, some types of insurance are commonly considered crucial for financial protection. Here are several types that are often deemed […]

What type of insurance covers all risks?

What type of insurance covers all risks? The type of insurance that typically covers a broad range of risks is known as “all-risk insurance” or “all-perils insurance.” This type of policy is designed to provide coverage for a wide variety of perils, hazards, and events, unless specifically excluded in the policy. Key features of all-risk […]

What does 100/300/100 mean?

What does 100/300/100 mean? The numbers “100/300/100” typically refer to the liability limits in an auto insurance policy, specifically the coverage for bodily injury liability and property damage liability. This numerical format is a shorthand way of expressing the limits of coverage in thousands of dollars. Here’s what each number represents: 100 (First Number): Represents […]

Which is a type of insurance to avoid?

Which is a type of insurance to avoid? Avoiding Unnecessary Insurance: Key to Financial Management   Insurance plays a vital role in safeguarding personal and financial interests, but not every type of coverage is necessary or beneficial for everyone. Avoiding unnecessary insurance is crucial to optimally manage your finances and ensure you have adequate protection […]

Do you pay a premium every month?

Do you pay a premium every month? The frequency of premium payments depends on the terms of the insurance policy and the agreement between the policyholder and the insurance company. While monthly payments are a common option, insurance premiums can be paid on different schedules, including: Monthly: Many insurance policies allow policyholders to pay premiums […]

How to calculate insurance?

How to calculate insurance? Calculating insurance premiums involves various factors, and the specific method can vary based on the type of insurance and the insurer’s underwriting practices. Here are general steps for calculating insurance: Determine the Type of Insurance: Identify the type of insurance you’re calculating, whether it’s auto, home, life, health, or another form […]

What is a premium in insurance?

What is a premium in insurance? In insurance, a premium refers to the amount of money an individual or business pays to an insurance company in exchange for insurance coverage. It is a regular, typically monthly, payment that policyholders make to keep their insurance policies active. The premium amount is determined based on various factors, […]

Can all business risk be insured?

Can all business risk be insured? While insurance is a powerful risk management tool, it doesn’t cover all types of business risks. There are certain limitations and considerations that affect the insurability of risks. Here are some factors to keep in mind: Uninsurable Risks: Some risks are inherently uninsurable. These may include illegal activities, intentional […]

What is the business of insurance?

What is the business of insurance? The business of insurance involves the provision of financial protection against various risks in exchange for premium payments. Insurance is a contractual agreement between an individual or business (the policyholder) and an insurance company. Here are key elements of the business of insurance: Risk Transfer: Insurance allows individuals or […]

What do you mean by business insurance?

What do you mean by business insurance? Business insurance plays a pivotal role in safeguarding companies from various risks and unforeseen events that may impact their operations. This form of insurance provides financial protection against losses and expenses associated with unexpected situations. Here’s a simplified overview of business insurance: 1. General Business Insurance: This foundational […]

Do personal trainers need insurance for training clients outdoors?

Do personal trainers need insurance for training clients outdoors? Yes, personal trainers who conduct outdoor training sessions may still need insurance to protect themselves and their clients. Training outdoors introduces unique risks, and insurance provides a safety net in case of accidents, injuries, or other unforeseen incidents. Here are key considerations: Liability Insurance: General Liability […]