Ask The Expert

ASK THE INSURANCE EXPERT

STEVE STANLEY ANSWERS YOUR QUESTIONS By Steve Stanley, Farmers Insurance insurance policy will be the best way to go. You Q. AS A SMALL BUSINESS OWNER, DO I company deny the claim because you were using NEED GENERAL LIABILITY INSURANCE? your vehicle for business purposes. A. If you are leasing a space, most landlords will require that you carry general liability. Depending on Q. AS AN UBER/LYFT DRIVER, DO I NEED the size of your space and the type of business you TO CARRY SPECIAL INSURANCE FOR MY have, you can insure your business very affordably. CAR? Q. WHAT IF I RUN MY BUSINESS OUT OF you to endorse your auto policy for rideshare use. MY HOME? If you do not have this endorsement, there may be A. Having a business at home still comes with risk. significant gaps in your coverage. If you have a product you are selling and someone is injured using it, you could be liable for their Q. AS A CONTRACTOR, WHAT TYPE OF injuries. If you are own a business that gives advice INSURANCE DO I NEED? (accountant, consultant, etc.), then you are respon- A. General liability is almost always required in sible for the instruction that you give your client. If most contracts and there may be other endorsethey feel the advice you gave hurt them, you could ments required like additional insureds, waivers be liable as well. of subrogation and primary and non-contributory

Q. WHAT IF I USE MY CAR FOR BUSINESS?

don’t want to have an accident and the insurance A. Yes, Farmers is one of the companies that allows language.

A. Depending on the type of business you have, you Please reach out for a free evaluation, to be sure may be able to endorse your personal auto policy that you have the best available coverage for your to include coverage for your business pursuits. For business. Our office is on the corner of 40th St. and most businesses though, having a commercial auto Greenway or call 623-742-1280.

Ready for Summer?

• Zero Origination Fees • Zero Lender Fees • PLUS a low rate and $1000 credit towards 3rd party costs* SAVE THOUSANDS WITH ZEROPLUS! Here is an example of ACTUAL savings by a REAL client:

1% Mortgage Origination WAIVED: $4050 Total Lender Fees WAIVED: $1500 Keller Mortgage - ZeroPlus Lender Credit: $1000 Total Savings: $6550

* Based off a $405,000 loan amount in January 2019. $1000 credit for loans greater than $150,000

JOHN BROPHY Realtor 480-269-1705 Keller Williams Sonoran Living BR656578000

www.johnbrophy.com • johnbrophyhomes@gmail.com

PROTECT YOUR BUSINESS YOUR WAY

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Retail

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HOA's Steve Stanley Your Local Agent 4050 E GREENWAY RD STE 2 PHOENIX, AZ 85032 SSTANLEY1@FARMERSAGENT.COM https://agents.farmers.com/sstanley1

Call 623.742.1280 today! For Home, Auto, Life and Business.

Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and other a liated insurance companies. Visit farmers.com for a complete listing of companies. Not all insurers are authorized to provide insurance in all states. Coverage is not available in all states.