Frequently Asked Questions

Be careful of some of the commonly overlooked types of policies and coverages when purchasing  general liability insurance such as sunset-clause, claims-made, risk retention groups and the financial ratings of the insurance carrier. Most of the time, you will get what you pay for. If you are not sure what  you are purchasing, reach out directly to 844-97-USAVE 

•  Type of Work or Business (Contractor or Business Classification) 
•  Annual Revenue or Payroll 
•  Claims History
•  Years in Business  
•  Coverage Limits
•  Subcontractor Exposure, if any
•  Location of Work

For most small and mid-market companies, a standard minimum limit is usually $1 million per occurrence / $2 million aggregate. That means your insurer can pay up to $1M for any single claim, but no more than $2M total across all claims in the policy year. 

How Businesses Get Certificates of Insurance Fast:

• Call 844-97-USAVE Today so we can help! 

You Get Access to More Options (Not Just One Company) 

• Better pricing (real competition) 
• Better coverage options 
• Access to specialty markets (critical for trucking & contractors)

Get the RIGHT Coverage the First Time

• Identifies coverage gaps (huge in construction & trucking) 
• Adds required endorsements (AI, Waiver, PNC, etc.) 
• Structures policies correctly (GL + Auto + Umbrella + Inland Marine)

 You Save Time (And Headaches)

• Shops the market 
• Handles applications 
• Negotiates with underwriters 
• Gets you bind-ready quickly 

Get Fast Certificates & Real Support 

• Issues COIs fast 
• Handles compliance requirements from GCs & shippers 
• Fixes endorsement issues quickly