Refer Friends and Family to Semper Insurance

We appreciate you taking the time to refer your friend or family member to us.

Refer Friends and Family2024-06-03T17:03:18-04:00

We work hard to provide our clients with a wide range of insurance companies, and high level customer service. There is no better compliment to this service than by referring a friend or family member to our agency.

When you refer folks to us, it’s truly a win-win-win. You look like a hero, your friend or family member gets taken care of, and we’re able to grow our local business.

Please take a moment to complete the form below, we would be so grateful for your referral.

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Semper Insurance

110-35 72nd Road
Forest Hills, New York 11375
Phone: 646-812-6211

Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM

Frequently Asked Questions

Do I need coverage if I subcontract work?2026-08-17T23:43:54-04:00

Yes, and collect certificates from subcontractors. Their errors can become your claim.

Am I covered if a client’s account is compromised?2026-08-17T23:43:53-04:00

Cyber liability responds where the breach traces to your systems or credentials. Confirm the wording.

Do clients require insurance from VAs?2026-08-17T23:43:53-04:00

Increasingly yes, particularly corporate clients, who often specify E&O and cyber minimums.

Am I liable for a scheduling or admin error?2026-08-17T23:43:52-04:00

E&O responds to claims your administrative errors caused a client loss, including missed deadlines and miscommunication.

What’s my main exposure working remotely?2026-08-17T23:43:52-04:00

Access. You hold client logins, calendars and payment systems, which makes cyber liability and crime coverage central.

Am I covered for drone footage?2026-08-17T23:43:50-04:00

Not automatically. Aircraft exclusions apply, so drones must be scheduled specifically.

Why do venues require certificates?2026-08-17T23:43:49-04:00

Your equipment creates trip and injury exposure. Additional insured status is standard and quick to arrange.

Do I need music licensing coverage?2026-08-17T23:43:49-04:00

Media liability addresses unlicensed use claims. Licensing itself is a compliance obligation you still need to meet.

Is my camera gear covered?2026-08-17T23:43:48-04:00

Only with inland marine. Property coverage stops at your premises, and gear travels to every job.

What if I lose footage from a wedding?2026-08-17T23:43:48-04:00

That’s the defining claim in this work. E&O responds to loss of irreplaceable footage from a non-repeatable event.

Don’t see your question? Contact us.