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General Insurance Questions and Answers (Q&A)

Y. Dawne, Content Blogger
Answered: Feb 06, 2019
Medical payments coverage pays medical expenses incurred from bodily injury caused by accident on property owned or rented by the insured, or venue next to the owner's property, or when caused by...Read More

3 Answers

219 views
Fsspc
Answered: Feb 27, 2020
A shopper is injured in the insured s retail store when a box falls on him from an overhead shelf.
An individual hired by the insured to paint her business office falls off a ladder and is...Read More

3 Answers

204 views
John Smith
Answered: Feb 27, 2020
That members of the public can reasonably assume that the agent has.

Apparent authority is a doctrine that holds an agent may have whatever authority a reasonable person would assume he or...Read More

2 Answers

208 views
C. Lopez, Chauffer
Answered: May 24, 2019
Proximate cause occurs when there is an unbroken chain of events resulting in a loss or the sufficient cause of loss or damage. Proximate cause is whatever sets off the chain of events that cause...Read More

2 Answers

265 views
Ken Wilson, Marketing Analyst
Answered: Jan 02, 2019
The liability for adverse occurrences to the employed individual is limited to those where the individual could not possibly be found at fault for the accident. In the first option, injury or...Read More

2 Answers

205 views
John Smith
Answered: Feb 27, 2020
$2,500

The special form is the only causes of loss form for commercial property coverage that provides theft coverage. However, for certain classes of property, various limitations apply,...Read More

2 Answers

205 views
W. Mocroft, Philanthropist
Answered: Dec 14, 2018
The answer to this question is D. When considering which commercial general liability insurance company or policy, it is very important that you pay attention to what is included and excluded in...Read More

2 Answers

214 views
H. callum, Content Writer
Answered: Feb 07, 2019
The correct answer to this question is C. Other states (3.C.) coverage allows the employer’s workers’ compensation policy benefits to comply with the statutory benefits requir...Read More

2 Answers

241 views
John Smith
Answered: Feb 27, 2020
DIC policies provide property and liability coverages.

DIC policies do provide broad property coverage intended to supplement other coverages and fill insurance gaps. For this reason, DIC...Read More

2 Answers

201 views
John Smith
Answered: Feb 27, 2020
Garagekeepers coverage

The liability section of a garage policy excludes coverage for damage to property of others in the insureds care, custody, or control. For garages, this leaves a...Read More

2 Answers

203 views
Ivanchanhr
Answered: Feb 27, 2020
Question is unclear and the explanation of answer is wrong.
If your policy is with full coverage, you will have 14 days to find an insurance.
If your policy is with liability-only...Read More

2 Answers

206 views
John Smith
Answered: Feb 27, 2020
An umbrella policy.

Umbrella policies provide high limits of liability coverage above underlying policy limits and might fill a number of insurance gaps. Both Personal and Commercial...Read More

1 Answer

216 views
Wyatt Williams
Answered: Feb 27, 2020
That members of the public can reasonably assume that the agent has.

Apparent authority is a doctrine that holds an agent may have whatever authority a reasonable person would assume he or...Read More

1 Answer

204 views
Fsspc
Answered: Feb 27, 2020
Valued or agreed amount policies

For certain hard-to-value items, the insurance company may issue a valued or agreed amount contract for a specified amount agreed to by both parties. If the...Read More

1 Answer

212 views
John Smith
Answered: Feb 27, 2020
Hazard

A hazard is something that increases the chance of loss, such as a loose step or flammable materials. A peril is the cause of loss, such as a fire. Risk is any outcome that involves...Read More

1 Answer

210 views
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