Important Insurance Coverage Information for Our Policyholders

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Did you Know?

The 4 Legal Principles within all Insurance Policies


1. Many insureds do not understand a common fundamental legal principle known as the "Principle of Indemnity." This insurance principle is commonly incorporated into all insurance contracts. In general the "principle of indemnity" serves as a legal foundation for all parties to an insurance contract, the Insurance Company and the policyholder, so that in the event of a covered "cause of loss - PERIL," the policyholder will not recover more than the actual cash value of their loss.  In simple terms, the policyholder should be "made whole" and restored to their original financial condition prior to the loss event. Keep in mind that the value of a policyholder's loss is generally determined "at the time of the loss." This principle prevents the insured from making a profit on an insurance claim.



2. In order for an insurance policy to be considered a legally enforceable insurance contract, entities to be insured - individual, families or businesses - should possess an "Insurable Interest" with the risk(s) that are being protected. The insured entities should face the possibility of financial loss or harm resulting from the various covered "causes of loss" that are found within the insuring agreements, terms and conditions of the insurance policy. This is known as the "Principle of Insurable Interest." In other words, entities to be insured should face the possibility or potential for loss. The "principle of insurable interest" and the "principle of indemnity" support each other in that the insurance policy will only provide for indemnification of its policyholder as long as the insured entity suffers a financial loss or is harmed, as a direct result of a covered cause of loss found within the insurance policy. The purpose of this principle is to prevent insureds from "gambling" with the insurance company. This principle serves as a means in which the insurance company will be able to "objectively" establish the $ amount of a "covered loss "at the time of an insured's loss or financial harm.


3. Most insurance policies permit the insurance company to recover the financial value of the loss to their insured policyholder, from a liable or negligent entity that caused the financial loss or harm to their insured policyholder. This "Principle of Subrogation" permits the insurance company to take the place of the insured, or become a "subsitute" for the insured, to recover the financial damages from the negligent party. The purpose of this principle is to encourage responsibility and accountability by holding the negligent party responsible for the financial burdens of a covered loss.  Without this principle, insurance rates would increase in an unpredictable and inequitable fashion, resulting in higher risk costs for all members of the "risk pool." The "principle of subrogation" is a common principle found within all automobile insurance policies. Many policyholders are surprised to have their deductible returned to them after their insurance company pays for their claim, that was the direct result of someone else's negligence.



4. All insurance policies are contracts of "utmost good faith," in which their exists a higher standard of HONESTY that is expected by all parties to the insurance policy. The "Principle of Utmost Good Faith" demands that the insured or applicant for insurance provide factual and relevant material representations for underwriting suitability and acceptance by an insurance company. If it is determined that the insured or applicant for insurance MISREPRESENTED THE TRUTH ABOUT THE MATERIAL FACTS OF THE INSURED RISK, the insurance policy can be declared "null and void," as if the policy never existed, leading to a denial of coverage, no claim payment or remedy for the insured.


Our Locations

Corporate Headquarters

550 Norristown Rd
Spring House, PA 19477
Main office: 215-646-0550

Macungie Branch

6400 Pinecrest Lane Suite B
Macungie, PA 18062
Main office: 215-646-0550

Our Providers

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.