Insurance questions, answered
Tatiana Gerberg, CSFP — independent insurance broker in California. CA license #0D83407. Phone 619-925-8000.
Health insurance, Medicare and business insurance in plain English. Updated for open enrollment 2027.
Book a free consultationHealth insurance (Covered California)
What happens if I do nothing during open enrollment?
If you do nothing, Covered California usually renews your plan for 2027. Your price can change, and your financial help is based on the income in your file. If your income or family changed, update it before the deadline.
Read this answer →Why is my health insurance price higher for 2027?
Prices go up when carriers raise rates, when your subsidy changes, or when your income on file changes. Covered California reported an average rate increase of 9.9% statewide for 2027 and 13.1% in the San Diego area. Your own price depends on your plan, age and subsidy. Send me your renewal notice and I will explain it.
Read this answer →How is my subsidy calculated? What if my income changes?
Your help with the monthly price is based on your expected household income for the year and your family size. The federal government pays part. In 2027 California also adds its own help for many households. If your income changes during the year, update Covered California. Wrong income can mean you owe money at tax time.
Read this answer →What is the deadline for Covered California 2027? What if I miss it?
Open enrollment runs November 1 to January 31. Choose a plan by December 31 for coverage starting January 1. Choose a plan in January for coverage starting February 1. After January 31 you can enroll only if you have a qualifying life event, such as losing other coverage.
Read this answer →Bronze, Silver, Gold or Platinum — which one should I pick?
The metal level changes how you pay. Bronze usually has a lower monthly price and higher costs when you use care. Platinum is the opposite. Silver plans can give extra savings on deductibles and copays if your income qualifies. The right plan depends on your doctors, medicines and budget.
Read this answer →I lost my job or changed jobs. Can I enroll outside open enrollment?
Often yes. Losing other health coverage is a qualifying life event. You usually have a limited time to enroll, so act fast. Other events can also qualify, such as moving or changes in your family. Tell me what happened and the date, and I will tell you the next step.
Read this answer →I am self-employed or have an LLC. Can I buy health insurance on Covered California?
Yes. Self-employed people and owners of small businesses can buy an individual plan on Covered California during open enrollment. Your help with the price depends on your household income and family size. It is not decided by having an LLC.
Read this answer →I am helping my parent (age 63–64) with health insurance. Where do we start?
Before age 65, a parent can use Covered California or an employer plan. At 65 the parent moves to Medicare. The Medicare window starts three months before the month they turn 65, so plan early. Send me their date of birth month and year and ZIP code, and I will show the steps.
Read this answer →How do I start with health insurance? What do I need to get a price?
To start, fill out the short form on insurance800.com/start. I need your name, contact information, date of birth and household details. Then I review your case and get back to you. I cannot give a real price before I know your family size and your expected yearly income.
Read this answer →What is Covered California, and how is it different from Medi-Cal?
Covered California is where you choose a health plan and pay a monthly price, often with help from a subsidy. Medi-Cal is a free program for people with low income. Your county decides Medi-Cal cases. If you are not sure which one fits you, fill out the form and I will review your case.
Read this answer →What do you handle, and what goes to Covered California or my insurance company?
I help with choosing a plan, enrollment, renewal and ongoing questions. Covered California (800-300-1506) handles eligibility and income rules, Medi-Cal, tax forms, appeals, identity checks, your account and state notices. Billing, claims, ID cards and doctor networks are handled by your insurance company.
Read this answer →When will my insurance card arrive?
Usually 5 to 10 days after your coverage becomes active. If it does not come, contact your insurance company. It can send a new card, often through its member portal.
Read this answer →If I paid, does that mean my plan is active?
Not always. If the system shows that your plan was ended, a payment may not keep it active. Check your status and your coverage end date. Call me and I will check it with you.
Read this answer →How do I keep Tatiana Gerberg as my agent for 2027?
Ask Covered California to name Tatiana Gerberg as your Agent of Record for your 2027 renewal. If you need help with this step, call 619-925-8000.
Read this answer →Medicare
When is Medicare open enrollment for 2027, and what can I change?
Medicare open enrollment runs October 15 to December 7. You can change your Medicare Advantage plan or your Part D drug plan. Changes start January 1, 2027. Medigap supplement plans work differently and are not part of this change window.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
My Medicare Advantage plan is ending in 2027. What do I do?
Read the notice from your plan. You can choose a different Medicare Advantage plan or go back to Original Medicare with a drug plan. Do not cancel anything before you know your new coverage. If you go back to Original Medicare and want a Medigap plan, approval rules apply. Check them first.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
What is the difference between Medigap Plan G and Plan N?
Both are Medigap supplement plans that work with Original Medicare. Plan G pays more of your costs and has a higher monthly price. Plan N has a lower monthly price but small copays for some visits. The benefits of each letter are the same across companies, so the price and the company's service are what differ.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Should I review my Part D drug plan every year?
Yes. Drug plans change prices, covered medicines and pharmacies every year. A plan that was good last year may cost more now. Send me your medicine list and pharmacy and I will check it.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
I will get Medicare soon. What should I do first?
First, confirm your Part A and Part B. Your Medicare window starts three months before the month you turn 65. If you have insurance through work, we check how it fits. After Part A and B are in place, we talk about extra coverage. Please have your Medicare card with the start dates.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Will my doctor and hospital stay in my plan's network?
Networks change by plan, by ZIP code and by year. Do not assume your doctor is included. Send me your ZIP code, your doctors' names and the plan name. I will check before you choose.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
What is Medicare, and what are its parts?
Medicare has four parts. Part A covers hospital care. Part B covers doctors and outpatient care. Part C (Medicare Advantage) is a private plan that includes A and B, often with extra benefits. Part D covers prescription drugs. Medigap is an extra plan you can buy to pay some costs of Original Medicare.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Can I change my Medicare plan after January 1?
If you are already in a Medicare Advantage plan, you can make one change between January 1 and March 31, 2027. Check your doctors and medicines first. Ask before you cancel anything.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
I am helping a parent with Medicare. What do I need?
Thank you for helping. Before we discuss the case, I need proof that you can act for them (power of attorney or written consent) and their basic details.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
What do I need to have ready for a Medicare call?
Please have your Medicare card with the Part A and Part B start dates. Before we talk about plans you sign a short Scope of Appointment. If someone speaks for you, bring proof that they can act for you. Please do not email your Medicare card, Medicare number or Social Security number. I will send a secure link.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Business insurance
What insurance does my small business need?
It depends on what you do. Most small businesses start with General Liability. If you have employees in California, you need Workers' Compensation by law. Add Commercial Auto if vehicles are used for work. Professional Liability fits businesses that give advice or services. A Business Owner's Policy (BOP) can combine property and liability for some businesses.
Read this answer →How much does business insurance cost?
The price depends on your type of work, payroll or revenue, number of employees, location and claims history. That is why two similar businesses can pay very different amounts. I need a few details to give you a real number.
Read this answer →Is General Liability insurance required by law?
For most businesses, no law requires it. But landlords, clients and contracts often require it. Workers' Compensation is different: if you have employees in California, it is required by law.
Read this answer →What is a Certificate of Insurance (COI)? Is "Additional Insured" enough?
A Certificate of Insurance is a one-page summary of your coverage. It is proof for a client or landlord. It is only a summary. What counts are the actual endorsements and what your contract requires. Send me the full insurance section of your contract and I will check it.
Read this answer →How do I check that a contractor is really insured?
Ask for a Certificate of Insurance before work starts. Check the policy dates, the limits and who the insurance company is. For a California contractor, also check the license on the state contractor license site. If the contract requires special wording, ask your broker to check the endorsements.
Read this answer →A client wants $1M or $2M liability limits. What do I do?
Do not agree until you read the full requirement. Send me the whole insurance section: limits, additional insured wording, endorsements and other conditions. A screenshot or one paragraph is not enough to judge your coverage. Then I will tell you what changes are needed.
Read this answer →Why does my quote ask about payroll, subcontractors and revenue?
Insurers set the price from your payroll, revenue and type of work. Workers' Compensation is priced on payroll and job type, and workers paid on 1099 can count too. At the end of the year the insurer may audit and adjust the price. Honest numbers now mean fewer surprises later.
Read this answer →Do I need Commercial Auto insurance?
If a vehicle is used for your business, a personal auto policy may not cover accidents during work. Commercial Auto is built for that use. Send me what the business does, who drives, how far, and how the vehicles are used.
Read this answer →