{"id":431,"date":"2026-09-14T14:30:43","date_gmt":"2026-09-14T14:30:43","guid":{"rendered":"https:\/\/deloraagency.com\/?page_id=431"},"modified":"2026-09-23T19:00:37","modified_gmt":"2026-09-23T19:00:37","slug":"faqs","status":"publish","type":"page","link":"https:\/\/deloraagency.com\/en\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"
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FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Answers to the most common questions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Featured questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Commercial insurance FAQs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n \n \n What is commercial insurance?<\/span>\n\n \n
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Commercial insurance helps protect a business from financial losses related to property damage, lawsuits, injuries, vehicles, employees, equipment, cyber incidents, and other business risks. The right coverage depends on your industry, operations, size, location, contracts, and exposures.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What types of commercial insurance does DELORA Insurance Agency offer?<\/span>\n\n \n
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DELORA can help businesses explore coverage such as General Liability, Commercial Auto, Workers\u2019 Compensation, Commercial Property, Business Owners Policies (BOP), Commercial Umbrella, Bonds, Inland Marine, Cyber Liability, Professional Liability, and other specialized business insurance options.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Why does my business need commercial insurance?<\/span>\n\n \n
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Commercial insurance can help protect your company\u2019s assets, operations, employees, vehicles, property, and financial future when unexpected losses occur. Clients, landlords, lenders, general contractors, or government entities may also require certain coverage before you can work with them.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Is commercial insurance required by law?<\/span>\n\n \n
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Requirements vary by state, industry, business activity, number of employees, vehicle ownership, and contractual obligations. Some coverage may be legally required, while other coverage may be required by a client, landlord, lender, or contract.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n How much commercial insurance do I need?<\/span>\n\n \n
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There is no single limit that is right for every business. Your limits should be reviewed based on your operations, contracts, assets, payroll, revenue, vehicles, property, and potential liability exposure.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n How much does business insurance cost?<\/span>\n\n \n
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Pricing depends on factors such as your industry, location, revenue, payroll, claims history, number of employees, vehicles, property values, coverage limits, deductibles, and the type of work your company performs.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n How much does business insurance cost?<\/span>\n\n \n
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Pricing depends on factors such as your industry, location, revenue, payroll, claims history, number of employees, vehicles, property values, coverage limits, deductibles, and the type of work your company performs.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is an independent insurance agency?<\/span>\n\n \n
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An independent insurance agency is not limited to only one insurance company. This allows the agency to explore available options from multiple carriers and compare coverage, pricing, and terms based on the needs of your business.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can DELORA compare multiple insurance companies for me?<\/span>\n\n \n
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Yes. As an independent agency, DELORA can help compare available carrier options based on your business, desired coverage, underwriting eligibility, and state availability.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n \n \n What is General Liability insurance?<\/span>\n\n \n
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General Liability insurance can help protect a business from certain third-party claims involving bodily injury, property damage, and personal or advertising injury, subject to the policy\u2019s terms, conditions, limits, and exclusions.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Do contractors need General Liability insurance?<\/span>\n\n \n
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Many contractors carry General Liability because customers, general contractors, property owners, municipalities, and project contracts frequently require it before work begins.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Does General Liability cover injuries to my employees?<\/span>\n\n \n
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Employee work-related injuries are generally addressed through Workers\u2019 Compensation rather than General Liability. The exact coverage depends on the policies in place and the facts of the loss.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What does $1 million \/ $2 million General Liability mean?<\/span>\n\n \n
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A common policy structure provides a $1 million per-occurrence limit and a $2 million general aggregate limit. The exact limits, sublimits, and terms depend on the policy you purchase.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is an Additional Insured?<\/span>\n\n \n
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An Additional Insured is a person or organization that may receive certain rights under another party\u2019s liability policy when the policy and an applicable endorsement provide those rights.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Is an Additional Insured the same as a Certificate Holder?<\/span>\n\n \n
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No. A certificate holder receives evidence of insurance. Additional Insured status generally requires an applicable policy provision or endorsement and may provide certain coverage rights that a certificate holder does not automatically receive.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Certificates of Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n What is a Certificate of Insurance (COI)?<\/span>\n\n \n
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A Certificate of Insurance is a document that provides basic information about certain insurance policies and limits in effect at the time the certificate is issued. It does not replace or change the insurance policy itself.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n How do I request a Certificate of Insurance?<\/span>\n\n \n
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Send us the certificate holder\u2019s name, address, email and any insurance requirements they gave you on WhatsApp. We\u2019ll review the request and help with the right documentation when the policy allows it.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can DELORA send a COI directly to my customer or general contractor?<\/span>\n\n \n
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Yes, when appropriate. Provide the recipient\u2019s contact information and any insurance requirements so our team can review the request.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Commercial auto<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n What is Commercial Auto insurance?<\/span>\n\n \n
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Commercial Auto insurance is designed for vehicles used in business operations and may include liability, physical damage, uninsured or underinsured motorist, medical payments, and other available coverages.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Do I need Commercial Auto if I already have personal auto insurance?<\/span>\n\n \n
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Personal auto policies may exclude or limit certain business uses. If a vehicle is owned, leased, or regularly used by a business, Commercial Auto coverage may be appropriate.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can I insure multiple business vehicles under one policy?<\/span>\n\n \n
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Often, yes. Businesses with multiple vehicles may be able to insure them together under a commercial auto policy or fleet program, depending on carrier eligibility and underwriting requirements.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can employees drive company vehicles?<\/span>\n\n \n
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Employees may be permitted drivers depending on the policy and carrier requirements. Insurance companies may review driver licenses, driving records, age, experience, and how the vehicles are used.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is Hired and Non-Owned Auto coverage?<\/span>\n\n \n
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Hired Auto coverage can address certain exposures involving vehicles rented or hired for business use. Non-Owned Auto coverage can address certain liability exposures when employees use vehicles the business does not own for business activities.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Does Commercial Auto cover tools or equipment inside my truck?<\/span>\n\n \n
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Commercial Auto does not always provide broad coverage for tools or business equipment carried in a vehicle. Inland Marine, Tools and Equipment, or other coverage may be needed depending on your operations.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Workers\u2019 compensation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n What is Workers\u2019 Compensation insurance?<\/span>\n\n \n
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Workers\u2019 Compensation can provide benefits for employees who experience covered work-related injuries or illnesses, subject to applicable law and policy terms.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Do I need Workers\u2019 Compensation if I have employees?<\/span>\n\n \n
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Requirements vary by state and business situation. Even when coverage is not legally required, a client, contract, landlord, or general contractor may require it.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Does Workers\u2019 Compensation cover subcontractors?<\/span>\n\n \n
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It depends on the facts, state law, worker classification, contracts, and policy terms. Businesses that use subcontractors should review their insurance requirements carefully.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What affects Workers\u2019 Compensation premiums?<\/span>\n\n \n
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Common factors include payroll, employee classifications, type of work, state, claims history, experience modification, and workplace safety practices.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is an Experience Modification Rate (EMR)?<\/span>\n\n \n
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An Experience Modification Rate is a rating factor that may reflect a business\u2019s Workers\u2019 Compensation loss experience compared with similar businesses. It can affect premium depending on the program and state.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Commercial Property & BOP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n What is Commercial Property insurance?<\/span>\n\n \n
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Commercial Property insurance can help protect covered buildings, equipment, inventory, furniture, and other business property against covered causes of loss, subject to policy terms and limits.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is a Business Owners Policy (BOP)?<\/span>\n\n \n
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A Business Owners Policy typically combines certain property and liability coverages into one policy designed for eligible small and midsize businesses.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Is a BOP better than buying policies separately?<\/span>\n\n \n
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A BOP can be convenient and cost-effective for eligible businesses, but it is not right for every company. More complex operations may need separate or specialized policies.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is Business Income coverage?<\/span>\n\n \n
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Business Income coverage can help replace certain lost income and continuing expenses when operations are interrupted because of a covered loss, subject to the policy\u2019s terms, limits, waiting periods, and exclusions.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Does business insurance cover equipment breakdown?<\/span>\n\n \n
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Equipment Breakdown coverage may be available by endorsement or as separate coverage. It can address certain mechanical, electrical, or pressure-system breakdowns depending on the policy.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Commercial Umbrella<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n
\n\n \n
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\n \n \n What is Commercial Umbrella insurance?<\/span>\n\n \n
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Commercial Umbrella insurance can provide additional liability limits above certain underlying policies when the policy\u2019s requirements are satisfied.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Why would my business need an Umbrella policy?<\/span>\n\n \n
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Businesses may purchase Umbrella coverage when they want higher liability limits or when contracts, landlords, clients, or other parties require limits above the primary policies.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n Does an Umbrella policy cover everything my other policies do not?<\/span>\n\n \n
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No. An Umbrella policy has its own terms, exclusions, conditions, and underlying insurance requirements. It should not be viewed as coverage for every uninsured or excluded loss.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Contractors, Construction & Equipment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n
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\n \n \n What insurance does a contractor need?<\/span>\n\n \n
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Depending on the operation, contractors may need General Liability, Commercial Auto, Workers\u2019 Compensation, Inland Marine or Tools and Equipment, Builder\u2019s Risk, Commercial Umbrella, Bonds, and other specialized coverage.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n Do subcontractors need their own insurance?<\/span>\n\n \n
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Requiring subcontractors to carry appropriate insurance is an important risk-management practice and may also be required by your insurance carrier, customer, or contract.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is Builder\u2019s Risk insurance?<\/span>\n\n \n
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Builder\u2019s Risk is property coverage designed for certain buildings or structures while they are under construction or renovation, subject to the policy\u2019s covered property, causes of loss, exclusions, and limits.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What is Contractors Equipment coverage?<\/span>\n\n \n
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Contractors Equipment or Inland Marine coverage can help protect certain mobile tools and equipment that travel between locations or job sites.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can DELORA insure roofing, construction, HVAC, plumbing, electrical, or other contractors?<\/span>\n\n \n
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DELORA works with commercial businesses and contractors. Availability depends on the specific trade, operations, location, loss history, requested limits, and carrier underwriting guidelines.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Bonds<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n What is a surety bond?<\/span>\n\n \n
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A surety bond is generally an agreement between the principal, obligee, and surety that guarantees certain obligations of the principal. A bond is different from a traditional insurance policy.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What types of bonds may a business need?<\/span>\n\n \n
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Common examples include license and permit bonds, bid bonds, performance bonds, payment bonds, and other commercial surety bonds. Availability depends on the obligation being guaranteed and underwriting requirements.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Is a bond the same as insurance?<\/span>\n\n \n
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No. Insurance generally transfers certain risks to an insurer, while a surety bond primarily guarantees an obligation and may allow the surety to seek reimbursement from the principal.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Claims, Renewals & Policy Changes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n How do I file a commercial insurance claim?<\/span>\n\n \n
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Contact DELORA or your insurance carrier as soon as reasonably possible after a loss. Have your policy information and details about what happened available. If there is an emergency, protect people first and contact emergency services when necessary.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What should I do immediately after a business loss?<\/span>\n\n \n
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Protect people from immediate danger, contact emergency services when necessary, take reasonable steps to prevent additional damage, document the loss, and notify your insurance carrier or DELORA.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Will filing a claim increase my premium?<\/span>\n\n \n
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A claim can affect future pricing or eligibility, but the impact depends on the type, frequency, severity, circumstances, and carrier underwriting guidelines.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Why did my commercial insurance premium increase?<\/span>\n\n \n
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Premiums can change because of claims, payroll or revenue changes, vehicles, property values, coverage changes, inflation, industry trends, carrier pricing, underwriting changes, or other factors.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n When should I review my business insurance?<\/span>\n\n \n
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At minimum, review your coverage around renewal and whenever your business makes a significant change such as adding employees, vehicles, locations, equipment, services, contracts, or revenue.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What happens if my business changes during the policy term?<\/span>\n\n \n
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Contact DELORA. Changes in operations, ownership, locations, employees, vehicles, revenue, payroll, or services can affect your insurance and should be reviewed.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Quotes & Working With DELORA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n How quickly can I get a commercial insurance quote?<\/span>\n\n \n
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Some quotes can be obtained quickly, while more complex businesses may require additional underwriting information. Providing complete and accurate information helps speed up the process.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n What information do you need to start a quote?<\/span>\n\n \n
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To get started, we will ask for your full name, company name, best phone number, business location, type of work, coverage needed, and desired effective date. Depending on the coverage, we may also need revenue, payroll, employee, vehicle, property, and claims information.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can DELORA review my current commercial insurance policy?<\/span>\n\n \n
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Yes. We can review your current coverage and discuss potential gaps, limits, deductibles, and available alternatives based on your business needs.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can you help if my policy was canceled or non-renewed?<\/span>\n\n \n
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Potentially. We can review the reason for the cancellation or non-renewal and explore available carrier options based on your business and underwriting circumstances.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Do you work with new businesses?<\/span>\n\n \n
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Yes. New businesses often need insurance before signing leases, obtaining licenses, purchasing vehicles, hiring employees, or beginning contracts.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Do you insure businesses with previous claims?<\/span>\n\n \n
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Potentially. Claims history is an underwriting factor, but prior claims do not automatically mean coverage is unavailable.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can I switch insurance agencies before my policy expires?<\/span>\n\n \n
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In many situations, yes. Before making a change, it is important to review cancellation provisions, premium financing, possible refunds, fees, and any coverage consequences.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Can DELORA help businesses in more than one state?<\/span>\n\n \n
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Availability depends on the states where the agency and applicable insurance professionals are properly licensed and where carrier products are available. Contact DELORA to confirm availability for your locations.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Do you provide service in Spanish?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/path><\/svg> <\/div>\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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Yes. DELORA provides service in English and Spanish. Se habla espa\u00f1ol.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Preguntas frecuentes Respuestas a las preguntas m\u00e1s comunes Preguntas destacadas Preguntas frecuentes sobre seguros comerciales \u00bfQu\u00e9 es un seguro comercial? […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-431","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/pages\/431","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/comments?post=431"}],"version-history":[{"count":19,"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/pages\/431\/revisions"}],"predecessor-version":[{"id":562,"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/pages\/431\/revisions\/562"}],"wp:attachment":[{"href":"https:\/\/deloraagency.com\/en\/wp-json\/wp\/v2\/media?parent=431"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}