Insurance Services: Q & A

Get answers to common questions about insurance
from the St. George team.

General Questions

How much will business insurance cost?

The costs of business insurance are based upon the industry, the number of employees, the state in which you operate, and the types of coverage you need or want. To determine the cost of your business insurance, we can speak with you and quickly give you a ballpark figure in a free insurance quote after you answer a few simple questions.

How much liability insurance should I have for my business?

Business owners face big challenges, including the fact that businesses are often subject to lawsuits and claims. Every business should be protected with liability insurance, and the amount of coverage you need will vary, based upon your industry, the size of your business, and other details. Protect your business, and ensure you have enough coverage.

What coverage is included in general liability insurance?

Should your business be subject to an injury claim or lawsuit, your legal fees are covered by general liability insurance. General liability insurance also protects your business property.

Am I required to have Workers’ Compensation insurance?

Depending upon the state in which you operate, companies beyond a certain size are usually required to have workers’ comp insurance in place. This coverage protects your employees if injured, and protects the business from the threat of lawsuits.

Should I buy online, or from a local agent?

The advantage of working with St. George is that as brokers, we have access to a wider range of insurance providers. A local agent may only offer one brand, or will not have the scope of options that we have in our national network of providers. Plus, we have made our process exceptionally user-friendly, saving you time.


How do I file an insurance claim?

To file a claim, contact the insurance company, not an agent. All claims must be filed directly to your insurance provider.


What is an umbrella policy?

An umbrella policy increases the limits of your existing insurance, giving you an added layer of protection.

When should I renew my insurance?

Insurance policies are generally renewed on a yearly basis.

How do I find the right health insurance policy for my family?

You have needs specific to your family. You may want to have a certain doctor, or the option to go to a specific hospital if needed. We can help you find a health insurance policy that works best for you and your family. Get a free insurance quote.

How do I find the right health insurance plan for my business?

Health insurance is one of the most desired benefits for employees. If you want to attract the best and brightest, and retain employees, providing health insurance is a must. We can search out a plan that will best suit your business, as well as your bottom line.


We make it easy to find all the protection you need with just a click of the button or a simple call. A friendly St. George agent will call you to explain your options and help you make the right choice about your insurance options.

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