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Duncan, Arizona - Insurance Property & Casualty search results Premier Listings

Important Insurance Property and Casualty Terms

Commercial locations purchase property and casualty insurance to protect themselves from accidents and weather damage. Property insurance will protect a location from risk to the property, including fires or theft. Homes and commercial locations may also purchase specialized insurance such as flood and earthquake insurance. Casualty insurance protects a business owner from any liability for a negligent act. These insurance policies can be purchased from agents and brokers. While an agent works for a specific company and typically sells only their insurance, brokers are contracted from several different companies to find the best quote for a customer.

  • Insurance Policy - A policy is the written contract that outlines the details of the agreement.
  • Premium - The premium is the required payment from the person who has purchased the policy to the company.
  • Claim - An insurance claim is the formal request of a company to make payments under the parameters of the policy.
  • Liability Protection - Liability protection provides coverage for any damages due to bodily harm that occurs on one's property.
  • Quote - Insurance agents will make a quote to estimate the amount of payment for a policy. Several factors will be considered when making a quote on a property, including size and quality of home, business or land.
  • Deductible - The deductible is the portion of the bill that someone agrees to pay before the insurance company becomes responsible for payment.
  • Compensation - Compensation is a type of insurance that provides wage reimbursement and benefits to those who become injured. This exchange prevents someone from suing a property owner for negligence.
    American Insurance Association
    Washington, DC 20036
    If you're not sure where to get the most comprehensive and dependable insurance, just look through our association's directory. Our members provide the top insurance for property, casualty, and more.
    Property Casualty Insurers Association of America
    Chicago, IL 60631
    If you're looking for dependable and affordable property or casualty insurance, find a provider near you through our association. Dedicated to providing the most qualified professionals in the industry.
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    Farmers Insurance Group
    610 W Main St, Safford, AZ 85546
    We believe in the value and protection of a policy. We offer auto, home, life and commercial policies at competitive rates, and deliver excellent claims service. Call us today for a free insurance review.
    (928) 428-1570
    Sierra Vista Insurance
    197 E Fry Blvd Ste A, Sierra Vista, AZ 85635
    (520) 458-1655

    Property and casualty insurance as terms can either describe overlapping or distinct terms. Both private individuals and public institutions can set up a plan of this kind in order to tender compensation for an injury or other kind of ill-effect. Properly licensed commercial agents can allow clients falling into either category to receive the benefits of coverage of this kind. As a general rule, casualty can be closely compared to liability as an insurance policy. Another primary category in this field, life insurance, will generally be distinct from casualty. Property insurance, as covers real estate lots, may or may not be distinct from this field. People tend more frequently to file casualty claims in the instance of auto accidents. If auto accidents occur, casualty insurance could help the individuals reasonably found responsible pay for any injury or damage incurred. Insurance brokers can thus assist their clients against potentially suffering the more adverse financial or legal ramifications threatened by an accident. Similar to such plans, casualty might also apply to homes. An individual or business group owner could accordingly secure financial protection against the occurrence of natural catastrophes, such as floods and earthquakes. Casualty can protect specific types of homes and offices by referring specifically to various kinds of potential ill-effects. Regardless of the specific purpose specified for a policy, successful agents and brokers working in this field may be those whom can quote affordable premiums to their clientele. The most commercial casualty rates comprise those presented at feasible costs. Clients should refer either to professionals or third-party sources in order to understand the scope of protection offered through casualty.
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