Gasparyan Insurance Agency
Gasparyan Insurance Agency

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Request A Quote2024-08-17T17:18:05-07:00

Gasparyan Insurance Agency offers a variety of business & personal insurance options. To get started, please choose your type of insurance you want below, or give us a call at 818-459-3400. You can expect a quote or call from one of our agents shortly.

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Questions About Insurance? We’ve Got Answers.

How is HNOA different from a personal auto policy?2024-08-17T17:13:47-07:00

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 by personal auto policies.

Does HNOA cover my personal vehicle when I use it for business purposes?2024-08-17T17:13:47-07:00

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

Can HNOA be added to an existing business insurance policy?2024-08-17T17:13:47-07:00

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

Do I need HNOA if my employees rarely use non-owned vehicles?2024-08-17T17:13:47-07:00

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.

What does Hired & Non-Owned Auto Insurance not cover?2024-08-17T17:13:47-07:00

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.

Can Business Interruption Insurance be customized for different industries?2024-08-17T17:13:59-07:00

Absolutely. Business Interruption Insurance can be tailored to meet the unique needs of different industries, ensuring that the specific risks and operational requirements of your business are adequately covered.

Does Business Interruption Insurance cover utilities and rent?2024-08-17T17:13:59-07:00

Yes, Business Interruption Insurance covers ongoing operating expenses such as utilities, rent, and payroll, helping your business stay afloat during the interruption period.

Is Business Interruption Insurance included in standard property insurance?2024-08-17T17:13:59-07:00

No, Business Interruption Insurance is usually an add-on or rider to a standard property insurance policy. It must be specifically requested and included in your coverage plan.

How long does Business Interruption Insurance cover lost income?2024-08-17T17:13:59-07:00

The coverage period, known as the indemnity period, usually lasts until your business resumes normal operations, but it is subject to a maximum time limit specified in your policy.

What does Business Interruption Insurance not cover?2024-08-17T17:13:59-07:00

Business Interruption Insurance typically does not cover losses due to pandemics or infectious disease outbreaks. For such coverage, you might need a specialized policy or endorsement.

Don’t see your question? Contact us.

Gasparyan Insurance Agency
372 Arden Ave #103
Glendale, California 91203
Phone: 818-459-3400
Email: agent@gasparyan-agency.com

CA Agency License #6014107

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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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