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Top 100 Frequently Asked Insurance Questions 2019

By December 16, 2019February 2nd, 2023No Comments

Watkins Insurance Group is here to help. Because we are a full-service independent insurance agency that provides concierge-level service, our clients and friends ask us fantastic insurance questions every day.

As we approach the end of our 70th year of service, we have compiled a list of the 100 most frequently asked insurance questions of 2019. If these questions have crossed your mind or if you have additional questions about business insurance, personal insurance, group benefits, or wealth management strategies, give us a call. We’re here to help. (512) 452-8877.

Top 100 Frequently Asked Insurance Questions 2019


auto insurance questions

Auto Insurance

  1. What is covered by car insurance?
  2. What is not covered in car insurance?
  3. What does comprehensive insurance mean?
  4. How does insurance work if someone borrows your car?
  5. Should you carry comprehensive insurance on an older car?
  6. Is it better to have collision or comprehensive?
  7. What is the difference between liability and full coverage?
  8. What is a 100/300 policy?


  1. What does it mean to be bonded and insured?
  2. Why do contractors need to be bonded?
  3. What is the purpose of a surety bond?
  4. Who is required to have a surety bond?

Business Insurance Questions

Business Insurance

  1. What are the types of business insurance?
  2. How much business insurance do I need?
  3. What does a business insurance cover?
  4. Who needs commercial general liability insurance?
  5. Do I need business insurance for a sole proprietorship?
  6. Does an LLC include insurance?
  7. Do I have to have business insurance?
  8. Why do I need business insurance for my car?
  9. What does certificate of liability insurance mean?

Commercial Insurance Questions

Commercial Insurance

  1. What are the types of commercial insurance?
  2. What is the difference between commercial and business insurance?
  3. What does a commercial insurance policy cover?
  4. Who needs commercial general liability insurance?
  5. What is the difference between general liability and commercial general liability?

Construction Insurance Questions


  1. Do general contractors need insurance?
  2. What insurance should a general contractor have?
  3. Why construction insurance is important?
  4. Can you insure a house under construction?
  5. What kind of insurance does an independent contractor need?
  6. Does general liability cover subcontractors?

Cyber Insurance. Cyber Liability. Cyber Risk. Cyber Threat.


  1. What does a cyber insurance policy cover?
  2. What is cyber risk?
  3. What are the types of cyber attacks?
  4. What are the top cyber threats for a business?
  5. What is data breach insurance?
  6. Why is cyber insurance important?
  7. What is the difference between cyber insurance and data breach insurance?
  8. What if we store client data in the cloud?
  9. Doesn’t my professional liability policy include cyber coverage?
  10. Do I need cyber security insurance?
  11. If a breach happens, do I have to report it?

D&O. Directors & Officers.

D&O (Directors & Officers)

  1. What is covered under D&O insurance?
  2. Who does a D&O policy cover?
  3. Does D&O insurance cover breach of fiduciary duty?
  4. Does D&O insurance cover former directors?
  5. Why is D&O insurance important?
  6. What happens if a director breached his duties?
  7. Do I need directors and officers insurance?
  8. Is professional indemnity insurance the same as directors and officers?
  9. What is the difference between E&O and D&O?

E&O. Errors & Omissions.

E&O (Errors & Omissions)

  1. Who should have errors and omissions insurance?
  2. What is errors and omissions coverage?
  3. Do real estate agents need insurance?
  4. What professions need E&O?
  5. What is E&O insurance coverage?
  6. Does general liability cover errors and omissions?
  7. Does E&O cover negligence?
  8. What is the difference between professional liability insurance and errors and omissions insurance?
  9. Do banks have errors and omissions insurance?

Flood Insurance. FEMA Flood. Flood Question


  1. Is all flood insurance through FEMA?
  2. How does flood insurance work?
  3. What type of flooding does flood insurance cover?
  4. What happens if your house floods and you don’t have flood insurance?
  5. Is flood insurance subsidized by the government?
  6. Can you be denied flood insurance?
  7. How long does flood insurance take to kick in?
  8. What is maximum flood insurance coverage?

Home Insurance. Custom Home Insurance. High Value Home. Austin Home Insurance. Texas Home Insurance.


  1. Can you insure your house for more than it’s worth?
  2. What is not covered on a home insurance policy?
  3. Why is it important to keep a home inventory?
  4. What should your homeowners insurance cover?
  5. How much dwelling coverage do I need?
  6. Is my coverage different if I have a custom home?
  7. Do I really need homeowners insurance?

Jewelry Insurance. Ring Insurance. Watch Insurance. Engagement Ring Insurance.


  1. Is jewelry covered by homeowners insurance?
  2. Can I claim a lost wedding ring on insurance?
  3. Does insurance cover a lost diamond?
  4. What to do if you lose a ring?
  5. How does jewelry insurance work?

Nonprofit Insurance. School Insurance. Church Insurance. Charity Insurance.

Nonprofit Insurance

  1. What type of insurance do nonprofits need?
  2. Does general liability insurance cover volunteers?
  3. Does a 501c3 need insurance?
  4. Why does a nonprofit need D&O insurance?
  5. Who is liable in a nonprofit organization?

Realtor Insurance. Architect Insurance. Professional Liability.

Professional Liability

  1. What is covered by professional liability insurance?
  2. Why is professional liability insurance important?
  3. How much professional liability insurance do I need?
  4. What does a general liability policy cover?
  5. Why is professional liability insurance important?

Restaurant Insurance. Liquor Liability.


  1. What kind of insurance do you need for a restaurant?
  2. What is liquor liability insurance?
  3. What is a product liability insurance?
  4. Does general liability include product liability?
  5. Why is product liability insurance important?

Risk Management. Insurance. Insurance Portfolio. Insurance Analysis.

Risk Management

  1. What is meant by risk management in insurance?
  2. Do private client individuals need life insurance?
  3. What is the insurance claims process?

Watkins Insurance Group. Business Insurance. Personal Insurance. Group Benefits. Wealth Management Strategies. Austin Insurance. Austin Insurance Agent. Texas Insurance. Texas Insurance Agent. Private Client.

Watkins Insurance Group

  1. How can Watkins Insurance Group help my business?