Frequently Asked Questions
At Cribb Insurance Group, we help individuals and families worry less about their insurance protection, so they can spend time on the things most important to them. With our wide selection of products and carriers, we're the only agency you need for all of your personal insurance needs.
Owners of businesses providing services should consider purchasing professional liability insurance (also known as errors and omissions insurance). This coverage protects your business against malpractice, errors, or negligence in the care given to clients.
Liability-only car insurance is the cheapest type of coverage and meets legal requirements in every state. However, more than liability is needed if you have assets to protect or a significant amount of debt on your vehicle.
Buying insurance is important because it helps you prepare for unforeseen circumstances that may negatively impact your finances. Insurance policies are offered by a variety of companies and provide protection against health, travel, car and home-related losses.
The two companies most likely to offer the cheapest home and auto insurance bundles are State Farm and Allstate. When you bundle policies together, average costs come out at $2,739 per year—but unbundled home, and auto policies cost an average of $3,288 each annually.
Commercial business insurance covers businesses and corporations, generally designed to cover the business and its employees. Since there are so many types of companies with different needs and situations, commercial insurance can come in many shapes—from limited liability policies that cover only specific potential liabilities such as workplace accidents or environmental cleanup costs
Umbrella insurance provides beneficial extra coverage beyond the limits and protections of your current policies. It not only offers protection for injuries, property damage, certain lawsuits, but also personal liability circumstances. Investing in umbrella insurance gives you peace-of-mind that any unexpected event or claim does not end up draining all your resources.
The most common are general liability, workers' compensation, commercial property, professional liability, commercial auto (and physical damage), product liability, and cyber security.
Life insurance is a contract between you and an insurance company. In exchange for your premium payments, the insurance company will pay out benefits to cover expenses such as mortgage or funeral costs should you die during the term of your policy. Your beneficiaries can use them however they wish
As we age, our chances of developing underlying health conditions increase—and so does the cost of life insurance. If you're 20 years old and want to buy a policy today, your rate will be lower than if you wait until you are 40, and waiting until age 60 usually means paying a higher price.
Landlord insurance is an invaluable protection for landlords. It protects you against liability if your property is damaged by tenants and can even help protect you from certain crimes committed on the premises.
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We never knew it could be this easy...
"After 40 years with Allstate we decided to look for other options. Contacted The Cribb agency for their review of our policies. They were quick to respond, Extremely helpful and in the end saved us significant money while improving our coverage."
Steve S.