Frequently Asked Questions (FAQs): Your Questions, Answered

Find answers to your most pressing questions about insurance coverage, policies, and more in our comprehensive FAQs section. We've compiled a list of commonly asked questions to provide you with quick and reliable information. Take the guesswork out of insurance and explore our FAQs for clarity and peace of mind.

Q: What is commercial liability insurance?

A: Commercial liability insurance provides financial protection for businesses in case they are held liable for bodily injury or property damage to others.

Q: What types of commercial insurance does Navigant Insurance offer?

A: Navigant Insurance offers a range of commercial insurance products, including general liability, business auto, commercial property, cyber, workers compensation, and group health benefits.

Q: How much commercial liability insurance coverage do I need?

A: The amount of commercial liability insurance coverage needed depends on various factors, such as the size of your business, industry risks, and contractual requirements. Our experienced agents can help you determine the appropriate coverage level.

Q: Do I need workers compensation insurance for my business?

A: In most states, workers compensation insurance is required for businesses with employees. It provides coverage for medical expenses and lost wages if an employee is injured or becomes ill while on the job.

Q: What factors affect the cost of personal auto insurance?

A: Several factors influence the cost of personal auto insurance, including your driving history, vehicle type, coverage limits, deductible amount, personal credit score, and location.

Q: Can I customize my personal auto insurance coverage?

A: Yes, Navigant Insurance offers customizable personal auto insurance coverage. Our experienced agents can work with you to tailor your policy to meet your specific needs and budget.

Q: What is the difference between comprehensive and collision coverage for auto insurance?

A: Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or damage caused by natural disasters. Collision coverage pays for damages to your vehicle resulting from a collision with another vehicle or object.

Q: Do I need life insurance?

A: Life insurance provides financial protection for your loved ones in the event of your death. If you have dependents or financial obligations, having life insurance can offer peace of mind.

Q: How much life insurance coverage do I need?

A: The amount of life insurance coverage you need depends on factors such as your income, debts, future financial goals, and the needs of your beneficiaries. Our agents can help you determine an appropriate coverage amount.

Q: What types of personal insurance does Navigant Insurance offer?

A: Navigant Insurance offers a variety of personal insurance products, including home insurance, auto insurance, life insurance, RV insurance, and motorcycle insurance.

Q: Can I bundle my personal insurance policies for discounts?

A: Yes, Navigant Insurance offers bundling options, allowing you to combine multiple personal insurance policies under one provider. This often leads to cost savings through discounts.

Q: What does homeowners insurance cover?

A: Homeowners insurance typically covers the structure of your home, personal belongings, liability for accidents on your property, and additional living expenses if your home becomes uninhabitable.

Q: Do I need business auto insurance if I use my personal vehicle for work?

A: If you use your personal vehicle for business purposes, you may need business auto insurance. Personal auto insurance policies may not provide adequate coverage for business-related activities.

Q: Can Navigant Insurance provide insurance for high-value homes?

A: Yes, Navigant Insurance offers coverage options for high-value homes. Our agents can help you determine the appropriate coverage for your unique needs.

Q: How can I get a quote for insurance coverage?

A: Getting a quote is easy. You can reach out to Navigant Insurance through our website or by calling our dedicated agents. They will gather the necessary information and provide you with a personalized quote.

Q: What is cyber insurance?

A: Cyber insurance provides coverage against financial losses resulting from cyber-attacks, data breaches, and other cyber threats.

Q: Do I need cyber insurance for my business?

A: If your business collects, stores, or processes sensitive customer data or relies on computer systems, having cyber insurance is strongly recommended to mitigate the financial impact of a cyber incident.

Q: What is group health insurance?

A: Group health insurance is a type of insurance that provides coverage for a group of individuals, such as employees of a company or members of an organization.

Q: Can Navigant Insurance help with group health benefits for my employees?

A: Yes, Navigant Insurance offers group health benefit plans tailored to meet the needs of businesses. Our experienced agents can assist you in selecting the right plan for your employees.

Q: What is professional liability insurance?

A: Professional liability insurance, also known as errors and omissions insurance, provides coverage for professionals in case they are sued for negligence or errors in their professional services.

Q: Can Navigant Insurance provide coverage for non-profit organizations?

A: Yes, Navigant Insurance offers coverage options specifically designed for non-profit organizations. Our agents can assess your organization's unique needs and recommend appropriate coverage.

Q: What is directors and officers (D&O) insurance?

A: Directors and officers insurance provides coverage for the personal liability of directors and officers of a company, protecting them against lawsuits related to their corporate decisions.

Q: What is employment practices liability insurance (EPLI)?

A: Employment practices liability insurance provides coverage for claims related to wrongful termination, discrimination, harassment, or other employment-related issues.

Q: Can Navigant Insurance assist with commercial property insurance for my business premises?

A: Absolutely! Navigant Insurance offers commercial property insurance to protect your business premises, including buildings, equipment, inventory, and other physical assets.

Q: What is umbrella insurance?

A: Umbrella insurance provides additional liability coverage beyond the limits of your primary insurance policies, offering an extra layer of protection against major claims or lawsuits.

Q: Does Navigant Insurance provide commercial flood insurance?

A: Yes, Navigant Insurance offers commercial flood insurance to protect businesses against losses caused by floods, including damage to property and business interruption.

Q: Can Navigant Insurance assist with commercial crime insurance?

A: Yes, Navigant Insurance provides commercial crime insurance to protect businesses from losses due to theft, employee dishonesty, forgery, or fraud.

Q: What is commercial truck insurance?

A: Commercial truck insurance provides coverage for trucks used for business purposes, including coverage for liability, physical damage, cargo, and other specific risks.

Q: Does Navigant Insurance offer commercial fleet insurance?

A: Yes, Navigant Insurance offers commercial fleet insurance to provide coverage for a fleet of vehicles owned by a business, ensuring comprehensive protection.

Q: Can Navigant Insurance assist with commercial landlord insurance?

A: Yes, Navigant Insurance offers commercial landlord insurance to protect property owners from risks associated with renting out commercial properties, including liability and property damage coverage.