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Facts about Business Auto Insurance

07/27/10
  1. All vehicles should be insured in the same name that is on the title of the vehicle.

  2. If automobiles are used, even occasionally, for business purposes, you should purchase hired and non-owned automobile liability insurance.

  3. Trailers used by the business must be added to the policy to ensure property coverage.

  4. Uninsured and Underinsured Motorist coverage should have limits equal to your third party limits.

  5. Medical Payments only applies to private passenger vehicles.

  6. Higher deductibles for physical damage will reduce your insurance cost.
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ANNOUNCEMENTS
Spring Flooding


All it takes is a few inches of water to cause thousands of dollars of damage. Click here for helpful preparedness tips from Ready.gov and start preparing today.
Carbon Monoxide


More than 400 people are killed each year in the United States from carbon monoxide poisoning. Click for more information.
Employment Practices Liability


Employment Practices Liability is an important coverage that businesses should have.  Click here to see some claim examples.
Gold Key Designation


Encompass Insurance has recognized Horenberg Insurance Services, Inc. as a Gold Key Agency.  The Gold Key designation is the company’s recognition of superior performance. Read more...
Directors & Officers Liability

Just like public companies, private companies and their directors and officers are vulnerable to lawsuits. According to a recent CHUBB study, the average loss (settlement, judgement, and legal costs) was $225,682. To find out more about D&O Liability coverage click here

Travel Insurance


Protect yourself when you travel.  Vacation, Temporary Worldwide Medical, Permanent Worldwide Medical, and Emergency Medical Evacuation Insurance. Click here to review and purchase Travel Insurance!
I switched over from State Farm. Nothing compares to the personal service and attentiveness I get at Horenberg! Everyone there has always been respectful of my needs! --- Jonathan Duangchandr

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