Frequently
Asked Questions

You get to see a summary of your coverage and a sample of a policy when you sign up, and before you pay. You’ll also be able to edit your coverage and other policy settings such as the deductible, start dates, and more. After payment, the insurance company or companies will issue your final policy and send it to you.

Premiums are calculated individually for each policyholder and are based on a number of different factors including your credit history, recent claims, and information about your property including its age, size, and construction quality. Insurers then provide discounts for protection equipment you may have installed, such as fire and burglar alarms.

You can, within limits. Before payment, we’ll show you a summary of your policy coverages. If you want to change anything, that is the best time to do so.

You can cancel your policy at any time, and receive a partial refund for the remaining period you’ve paid for.

Sure you can! If you have current in-force policies, we’ll simply ask for your current policy number and insurer, and email your provider notifying them of your change in agent.

We will contact you by phone, but coverage is only bound when you sign the forms we provide you. Don’t worry – we’ll handle it for you!

Your policy or policies will have full instructions on how to file a claim. But you can always call us first, and we will walk you through the process.

This is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss. When you buy a policy, you can choose the deductible amount you’d like to have in case of a claim. So, why would anyone choose a high deductible? Well, the higher the deductible, the lower your monthly payments will be.

Here’s an example: You chose a deductible of $250 when you bought your policy. A few months later, someone stole your $1,000 laptop. The payment you’ll receive for your claim will be $750: $1,000 minus the deductible, which in this case was $250.

A hurricane deductible works just like a normal deductible, but only applies if the damage is caused by a hurricane.

These are typically for homeowner policies, but can apply in other cases. You’ll see it clearly next to your normal deductible in the app and in your policy.

General Liability insurance covers you from claims and lawsuits brought by third parties, such as members of the public or those you interact with. It covers any third-party injuries that occur on your premises, as well as certain unintentional actions caused by your employees or members. Union Bay recommends that you have at least $1 million in General Liability limits. We may recommend that you buy even higher limits, based on your situation and activities.

Your property should be covered against all risks of loss. Depending on your location, this could include flood and earthquake coverage. Property insurance covers these risks.

If your organization needs coverage for any members who use their own cars on your behalf, it is very important you are covered for “Hired and Non-Owned Auto Liability.” This covers those operators who are using their own car on your organization’s behalf.

Even small organizations take custody of members’ personal information. The threat of being hacked or held for ransom is a growing one; Union Bay will get you a quote for basic cyber coverage. Based on your circumstances and operations, you may need even broader cyber coverage.

Directors & Officers Liability Insurance protects your key staff and Board against the cost of a lawsuit where they are named as a result of their decisions or actions.

Workers’ Compensation Insurance is a state-mandated cover that protects your workers against injuries on the job.

EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. EPLI provides protection against many kinds of employee lawsuits, including claims of sexual harassment, discrimination, wrongful termination, breach of employment contract, wrongful discipline, and more.