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Frequently Asked Questions

Below are some of our frequently asked questions. We also recommend checking out our blog for more detailed information. If you have any questions or concerns, please feel free to contact us via the web, call us Monday-Friday 8:30-4:30, or come and visit us at a location near you.

  1. What are your hours?
  2. Why should I use an insurance agent at SJ Markham & Son, Inc?
  3. Do I have enough coverage?
  4. Can I save money with a higher deductible?
  5. Why did my rate go up?
  6. How can I save money on my home or auto policy?
  7. Do I need collision coverage on my car if it's over 10 years old?
  8. What is the difference between comprehensive coverage, collision coverage, and liability coverage?
  9. As a business owner, how can I cut insurance costs?
  10. What does a General Liability policy cover?
  11. Do I need Workers Compensation?
  12. I need a certificate of coverage for my business. How can I get one?
What are your hours?
We are open 8:30am - 4:30pm, Monday through Friday

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Why should I use an insurance agent at SJ Markham & Son, Inc?
An insurance agent shops around for the best coverage and policy for you. At SJ Markham & Son, our agents have your best interests in mind and work hard to find you the best coverage so that you have to do far less work! Our agents also stay abreast of current developments in the industry and regularly review your policies to ensure you're saving the most money possible while covering what is important to you.

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Do I have enough coverage?
Everyone's needs are different. Coverage depends on many factors. Please call our office to speak with one of our agents so that we can determine your exact needs.

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Can I save money with a higher deductible?
Yes, you can, but higher deductibles are not for everyone. Everyone's situation is different. We recommend discussing your situation and financial needs and limits with us so that we can determine what your deductible should be.

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Why did my rate go up?

Rates can increase even for drivers with excellent driving records, and rates naturally change over time. Many variables are considered when insurance companies are modeling your rate. It may have increased because you moved to a new area, your credit score changed, you added a teenager to your policy, or you're driving more.

Your rate may also have increased for reasons completely out of your control, such as an increase in vandalism in your area.

If you think your rate may be too high, you can always call our office or send us an email to see if we can't improve it.



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How can I save money on my home or auto policy?

One of the easiest ways to save on your home or auto insurance is by bundling! Not only will you receive a discount for having your car and home with the same company, but you'll also save yourself some hassle when it comes to renewing.

 

There are also discounts available that you may qualify for. For example, some insurance companies will give you a discount on your auto policy if you take a defensive driving course. Others give discounts if you're a home-owner. Having a monitored home security system can also save you money on your homeowner's policy. Contact us to discuss what discounts you may qualify for.



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Do I need collision coverage on my car if it's over 10 years old?
Yes! The age of your car does not matter. You always want to have collision coverage in case your car needs to be replaced.

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What is the difference between comprehensive coverage, collision coverage, and liability coverage?

Comprehensive coverage includes incidents outside of your control. If someone breaks into your car or a telephone pole falls on it, these are examples that could be covered by comprehensive coverage. If you hit a tree on an icy road, this would not be covered.

Collision coverage covers your car if you collide into another object. Drive into a tree or encounter a nasty pothole that damages your vehicle, you would want to have collision coverage.

Liability coverage includes damage to other vehicles, persons, and property if the blame falls on you. Rear-end someone and it's your fault, liability coverage can cover the costs to repair their car.

 

Remember: the exact details and specifics of your coverage may differ depending on your policy and the circumstance. We recommend reviewing your policy and contacting us with any questions or concerns. Learn more about the different types of coverage here.



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As a business owner, how can I cut insurance costs?

Shopping around is one of the best ways to save money, and you should definitely shop around for your insurance. The nice thing about working with an independent agent is that we do this for you!

Rather than buy individual policies, consider a Business Owner's Policy or BOP. Learn more here.

Ask about discounts. A BOP is a great start to saving money, but think about any additional policies you may need and ask if there are discounts for adding them.

Review and update every year! What made sense last year may not be needed this year. If you work with your agent and are honest about your needs and risks, we can ensure you don't miss any important coverages but are also only spending what you need to.



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What does a General Liability policy cover?
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. It protects your company’s assets and covers financial obligations, legal defense, and any settlements awarded to an injured party. This type of policy covers negligence claims, accidents, and injuries. It's commonly referred to as “slip and fall” insurance. Learn more about insurance for businesses here.

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Do I need Workers Compensation?
Yes! Employers have a legal responsibility to make the workplace safe for employees. Accidents happen even when every reasonable safety measure has been taken. 

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income, businesses are required to buy Workers Compensation Insurance. Workers Compensation Insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents. 

For more information, see here or contact our office.

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I need a certificate of coverage for my business. How can I get one?
You can call our office during our business hours or you can submit a request online. At the header on the top of the website, select customer service. Under the business and commercial option, the last item listed is for certificate requests. You may also click here.

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