FAQs

Premiums are based on several factors, including the type of business, the amount of alcohol sold, the hours of operation, and past claims history. Businesses with higher risks or ...

Florida does not require liquor liability insurance to obtain a liquor license, although landlords, lenders, and event venues often require it. Florida's dram shop law limits a seller's liability to ...

Liquor liability insurance covers claims that your business contributed to injuries or damage by selling or serving alcohol. It generally does not cover injuries to your own employees, which fall ...

If your tools are stolen or damaged, you should immediately report the incident to your insurance provider. They will guide you through the claims process to repair or replace ...

 Leased tools and equipment can be covered under this insurance. It's crucial to include details of leased items when applying for coverage to ensure they are protected. ...

Yes, Contractor’s Tools and Equipment Insurance often covers tools and equipment while they are being transported between job sites, as long as they are properly secured. ...

Yes, most policies can be extended to cover rental equipment. It's essential to check with your insurance provider to ensure rental items are included in your coverage ...

Contractor’s Tools and Equipment Insurance typically does not cover normal wear and tear, intentional damage, or losses caused by neglect. For coverage of general liability, you would need a ...

A personal auto policy typically does not cover business use of your vehicle. HNOA provides the necessary liability coverage for business-related driving of non-owned vehicles, filling the gap left ...

No. Hired and non-owned auto coverage protects your business from liability when an employee or owner uses a vehicle the business does not own, such as a personal car or ...