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Fallon Insurance Agency
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  1. Home
  2. FAQs

FAQs

  • Is rental equipment covered by this insurance?

    Yes, most policies can be extended to cover rental equipment. It's essential to check with your insurance provider to ensure rental items are included in your coverage ...

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  • What does Contractor’s Tools and Equipment Insurance not cover?

    Contractor’s Tools and Equipment Insurance typically does not cover normal wear and tear, intentional damage, or losses caused by neglect. For coverage of general liability, you would need a ...

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  • How is HNOA different from a personal auto policy?

    A personal auto policy typically does not cover business use of your vehicle. HNOA provides the necessary liability coverage for business-related driving of non-owned vehicles, filling the gap left ...

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  • Does HNOA cover my personal vehicle when I use it for business purposes?

    Yes, HNOA provides liability coverage when you use your personal vehicle for business tasks. However, it does not cover physical damage to your vehicle.

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  • Can HNOA be added to an existing business insurance policy?

    Yes, HNOA can often be added as an endorsement to an existing commercial auto or general liability policy, providing an additional layer of protection.

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  • Do I need HNOA if my employees rarely use non-owned vehicles?

    Yes, even occasional use of non-owned vehicles for business purposes can expose your business to significant risks. HNOA provides essential coverage for these scenarios.

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  • What does Hired & Non-Owned Auto Insurance not cover?

    HNOA does not cover physical damage to the hired or non-owned vehicle itself. For protection against damage to the vehicle, you would need comprehensive and collision coverage. ...

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  • Do Surety Bonds expire?

    Yes, surety bonds typically have a set term and need to be renewed upon expiration. The term length can vary depending on the type of bond and the requirements ...

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  • Can I get a Surety Bond with bad credit?

    Yes, it is possible to get a surety bond with bad credit, though it may come with higher premiums. Many surety companies offer programs specifically designed for businesses with ...

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  • What happens if a claim is made against my Surety Bond?

    If a claim is made against your surety bond, the surety company will investigate the claim to determine its validity. If the claim is found to be valid, the ...

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We take a consultative approach to protecting households and businesses – reviewing exposures, analyzing policy structures, and guiding clients toward coverage that delivers both confidence and value.

Agent License: #40902670

Oshkosh WI Office
2450 Witzel Avenue Suite 101
Oshkosh, Wisconsin 54904
Phone: 920-312-7877

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Sat, Sun, and evenings by appointment only, or click here to start your insurance quote online.

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Proudly offering insurance services, home insurance, auto insurance, flood insurance, life insurance, commercial insurance for businesses, and homeowners association insurance (HOAs) in all of Illinois, Indiana,  Iowa, Minnesota, and  Wisconsin, including Appleton, Ashwaubenon, Beloit, Brookfield, De Pere, Eau Claire, Fond du Lac, Grand Chute, Green Bay, Janesville, Kenosha, La Crosse, Madison, Menomonee, Mequon, Milwaukee, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pleasant Prairie, Racine, Sheboygan, South Milwaukee, Stevens Point, Sun Prairie, Waukesha, Wausau, Wauwatosa, West Allis, West Bend, Wisconsin Rapids, and the surrounding areas. View all service areas.

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

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