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Frequently Asked Questions


  • What Is Insurance?

    Insurance is a way of providing financial protection to compensate for or mitigate the effects of loss of property, sickness or injury, and death.



  • What is an Insurance Policy?

    An insurance policy is an agreement between the insurance company and the policyholder that specifies, in detail, the risks that are covered, exceptions to the coverage, and the costs payable against an accepted and valid claim made against the policy.



  • Who is an Insurance Broker?

    An insurance broker is a company that represents several insurance companies and is authorized to sell their insurance products. Dealing with a broker gives customers a more excellent choice of insurance policies to choose from than an insurance agent that only represents one insurance company.



  • What is Commercial Insurance?

    Commercial insurance is used to cover the various insurance policies available for a business or commercial entity. These include Commercial General Liability, Commercial Auto, Workers Compensation, Commercial Property Coverage, Earthquake, Flood, and Commercial Umbrella coverages. Without the right commercial insurance, an unexpected event could destroy a business. An insurance brokerhas both the business knowledge and insurance expertise to find the right business coverage options.



  • What is a Commercial General Liability Insurance?

    Commercial General Liability insurance provides a business with protection from losses dues to property damage, business interruption, theft, liability, and worker injuries. Having the right commercial general liability coverage makes the difference between recovering from a loss and possibly going out of business.



  • What is a Liability Insurance?

    Liability insurance protects from claims made for injury, loss, or damage that occurred for a reason attributable to the policyholder. A homeowner may be held liable for an injury that occurred on his property. A business could be responsible for damage or loss that occurred during business or on its property. Liability insurance can be both personal and for business. Living in a litigious world, the risk of claims leading to financial disaster is growing. Liability insurance is the best protection.



  • What is an Umbrella Insurance?

    Insurance policies have fixed coverage limits – the maximum amount that will be paid if a claim is upheld. Often this amount is not going to be enough to cover liability claims. For example, an auto insurance policy of $300,000 will not be enough to protect the policyholder if a liability claim of $750,000 is upheld. An Umbrella insurance policy is, as the name says, an extra layer of coverage that adds to the liability risk coverage of the insurance policies under it. In the example given here, an umbrella policy will cover the amount over the $300,000 of the auto policy. Umbrella insurance can add to the liability protection available under auto, homeowners, and other insurance policies.



  • What is Personal Insurance?

    Personal Insurance is a term that encompasses a range of insurance policies that protect from financial loss and liability for individuals. These policies include a wide range of home insurance policies covering different types of homes and auto risks.



  • What is Home Insurance?

    Home insurance provides for financial protection that will enable repairing damages or rebuilding a home. Depending on the coverage options, ancillary expenses incurred for housing while the home is uninhabitable, liability for injury to others sustain in your home, and so on may also be available. Contact an insurance broker to evaluate the risks your home faces and to find the right home insurance policy.



  • What does Homeowners Insurance Cover?

    Home owners insurance is a policy that contains a set of coverages to repair or replace your home and belongings if damage or loss due to perils covered by the policy occurs. The policy terms define the nature of the threats. Other coverage such a liability, coverage of living expenses while ahome is uninhabitable, etc., may also be available.Finding the right home insurance policy with the right coverage options at the right cost requires an insurance expert's help.



  • What is Homeowners Insurance?

    Homeowners insurance will protect the owner from financial loss due to damage or loss of the home caused by perils defined in and covered by the policy. Depending on the coverage options, liability for injury or loss incurred by others while on the insured premises and other risks, may also be covered. Identifying the risks and balancing the coverage with the policy's cost requires expert knowledge of homeowners insurance. An insurance broker will be best placed to give you the help you need to find the policy that is right for you.



  • What is Health Insurance?

    Health insurance will protect from the cost of medical care for the illnesses and injuries defined in the policy. The type and cost of health insurance coverage required depend on several factors best evaluated by an insurance professional such as an insurance broker.



  • What is Medical Insurance?

    Medical insurance is another term for health insurance. In both cases, the insured person(s) will be reimbursed for medical, surgical, and medication expenses incurred, subject to the policy's conditions and limitations. In some cases, the insurance company may make a direct payment for the health care that has been provided.



  • What is Medicare?

    Medicare is a federal health insurance program for people over the age of 65,those with End-Stage Renal Disease, and younger persons with specified disabilities. Medicare covers hospital and nursing home stays, home health care, and hospice care. Doctors' services, outpatient care, preventive medical treatment, and the cost of prescription drugs and certain vaccines are also covered.



  • What Is Long Term Care Insurance?

    A person suffering from a chronic illness or disability may require an extended stay in a hospital or nursing facility or require specialized medical care at home or an assisted living environment. These care costs can be prohibitively high, especially for the elderly who are most likely to need it. Long term care insurance provides for the payment of these medical and care expenses, which are not within the ambit of standard health insurance policies.



  • What are the Benefits of a Health Insurance Policy?

    Illness and injury can strike without warning, and the cost of treatment, including doctors' fees, hospital stay, specialized treatment/surgery, specialized care, medication, rehabilitation, etc., canbe toohigh. Health insurance is meant to cover these costs and reduce the financial burden on the individual or family. Health insurance policieshave different prices, coverages, and limitations. When finding the health insurance policy that is right for your requirements, having professional assistance and advice is essential to avoid making mistakes that may only come to light when a claim is disallowed or coverage is inadequate.



  • What is Life Insurance?

    Life insurance is an insurance policy that will pay a specified (insured) amount to the beneficiaries specified in the policy if the policyholder dies during the policy's validity. There are 2 types of policies. In the case of term life insurance, if the policy expires during the policyholder's life, the money spent on the policy is gone. In the case of endowment life insurance, the money invested in the policy,along with interest earned on it, will be paid to the policyholder when the policy ends. An insurance broker is the best source for information and guidance on which type of life insurance policy is right for you.



  • What is Term Life Insurance?

    Term life insurance is purchased for a specified period, and if the policyholder dies with that time, the value of the policy (the insured amount) is paid to the beneficiaries mentioned in the policy. If the policyholder survives the policy's termination, the money invested in it cannot be recovered.



  • What is Supplemental Life Insurance?

    Supplemental life insurance is additional life insurance coverage a person may purchase in addition to the group life insurance policy that an employer may offer. Payment for supplemental life insurance typically comes straight from the pay check. To know whether on not this additional coverage is needed requires a detailed cost-benefit analysis. An insurance broker is the best source of the professional guidance and advice needed to make the right decision.



  • What is Universal Life Insurance?

    This is a permanent life insurance policy with a savings element and offers low premiums similar to those of term life insurance. Flexible premium options are often available, and in other cases, there may be a single lump-sum payment to be made. This type of policy can accumulate cash value. The beneficiaries will receive only the death benefit. Whether this type of policy is right for a person requires a detailed understanding of both the policy terms and the policyholder's financial needs, liabilities, and obligations that an insurance professional will be able to provide.



  • What is Auto Insurance?

    Auto insurance is an insurance policy that will provide financial compensation for damages or the insured vehicle's loss. Depending on the coverage options, compensation for damage or loss of property, injury or death ofthe driver, passengers, and others caused by the insured vehicle may also be covered. It is a good idea to discuss your auto insurance needs with an expert to find the right coverage.



  • What is Car Insurance?

    Car insurance is a policy that protects from financial loss caused by the insured vehicle. This can include the insured vehicle, other vehicles, injury to the driver and others, damage to property, loss of the car for various reasons, etc. An insurance expert is a right source for guidance on finding the car insurance policy that suits your needs.



  • How to Choose the Right Car Insurance?

    The insurance needs of a car owner varies from person to person. That is why car insurance policies have so many coverage options. The right car insurance is the policy that best meets the specific needs of the car owner. An insurance broker will be able to guide you to the best car insurance policy for you.



  • Why is Auto Insurance Important?

    Auto insurance protects from financial loss resulting from an accident, coverage of medical bills of those who were injured, compensation for damage or loss of property, loss of the insured vehicle through theft, natural calamities, etc. Having the right coverage is essential, and an insurance broker's advice will help you get the policy that is right for you.



  • What does Auto Insurance cover?

    The extent of the coverage depends on the terms and conditions of the policy. The most basic policy will cover damage caused by the car owner/driver. Additional coverages are available for damage/loss of the insured vehicle, injuries sustained in an accident, damage to property, loss of the insured vehicle due to theft, natural disasters, and more. An insurance broker will help you evaluate your risk factors and find the insurance policy that best suits your needs.



  • Is Auto Insurance Required?

    Auto insurance is essential. It is illegal to drive a vehicle on public roads without the minimum amount of insurance coverage, which varies from state to state.



  • How Expensive is Auto Insurance?

    The cost of auto insurance depends on the coverage options, including the insured value of the car, the amount of coverage for loss of property, injury to others, other liabilities, etc. The greater the coverage,the more the policy will cost. An insurance broker will help you balance your auto insurance coverage needs with the budget you have for the insurance.



  • What is Pension Plan Insurance?

    There are 2 broad categories of retirement plans. In one, an employer contributes towards a fund invested on behalf of an employee to provide for income after that employee retires. The other category is a pension plan that is an insurance-linked investment plan that an individual contributes to providing for income once he/she stops working. These plans are typically linked to insurance policies, which provide for investment growth and excellent security.



  • What is Retirement Planning?

    On retirement, the salary that a person earned through his/her working life stops. However, an income is still required to meet the cost of living. Retirement planning is a plan, usually insurance liked, by which an income that enables a retiree to maintain a chosen lifestyle is available. Because the risk of needing long term medical care increases with age, this coverage is often considered retirement planning. An insurance broker will be able to help you plan for your retirement and the lifestyle you want.



Cities Served: Menlo Park, Redwood City, Atherton, San Carlos, San Bruno, San Mateo, Burlingame, Foster City, San Francisco, Brisbane, Belmont, Los Altos, Los Altos Hills, Sunnyvale, Mountain View, Cupertino, Saratoga, Half Moon Bay, San Jose, Campbell, Los Gatos, Milpitas, Santa Clara

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