An agreement that many teens and parents enter as well as drivers who have accumulated too many “points” on their license. This agreement makes driver agree to drive safely or risk losing their ability to drive freely .

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busy street in JapanPhoto by Sam zeng on Unsplash

Hired & Non-Owned Liability Coverage

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As businesses of all sizes and industries are reevaluating how they plan on doing business moving forward, many small businesses have shifted from physical retail locations to online and home delivery services. This is to keep up with customer…