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CSIS FAQ's

Bid and Performance Bond

1.	How do I get a Bid and Performance Bond?


Commercial Vehicle Coverage
1.	Can I have more than one company insure my vehicles?

2.	Should I have the same or different coverage plans for my vehicles?

3.	What does Collision Losses in my policy refer to?

4.	What does comprehensive mean?

5.	What does UM stand for?

6.	What is Commercial Vehicle Coverage?

7.	Which is better, Split Limit or Combined Single Limit?

8.	Why Do You Need Commercial Vehicle Coverage?


General Liability
1.	Is there a penalty for underestimating your premium that you are getting quoted?

2.	What are the most common types of coverage written in California?

3.	What is General Liability?

4.	What is the annual premium based on?

5.	What is the Definition of Bodily Injury & Property Damage?

6.	What is the Definition of Deductible?

7.	What is the Definition of Each Occurrence?

8.	What is the Definition of Fire Damage Liability?

9.	What is the Definition of General Aggregate?

10.	What is the Definition of Medical Expense?

11.	What is the Definition of Owners & Contractors Protective?

12.	What is the Definition of Personal & Advertising Injury?

13.	What is the Definition of Products & Completed Operations?


License Bond
1.	Why do I need a license Bond?


Workers Compensation
1.	Do you have to respond to each company request for a report of payroll and why?

2.	How are Rates established?

3.	How do I get Worker's Compensation?

4.	How do you select temp helpers for a construction project?

5.	How long are Policies written for?

6.	Should I be concerned with insurning myself?

7.	What classifications are there for miscelaneous task positions?

8.	What do I have to do to Start Coverage?

9.	What happens if I leave another insurer without fully paying them?

10.	What is the Definition of Employers' Liability Insurance?

11.	What is the Definition of Experience Modification Rating

12.	What is the Definition of Experience Rating Period?

13.	What is the Definition of WCIRB

14.	What is the Definition of Workers Compensation Insurance?

15.	What is the Final Premium based on?

16.	What is the quoted premium?

17.	What needs Financing?

18.	When do I need to make a Claim?

19.	When is the best time to change to a different company?

20.	When should you request a loss analysis statement?

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CSIS FAQ's