Time will vary depending on your operations, the complexity of your business, whether or not you have had previous coverage whether or not and if you have had any claims. Simple policies can be quoted the same day, more complex policies can take days, even weeks or longer.
An Admitted carrier is “backed” by the California Insurance Guarantee Association (CIGA) Fund. The Fund would cover the claim up to your policy limit or $500,000 in liability; whichever amount is lower, in the case that the carrier becomes insolvent.

A “Non-Admitted” carrier has been approved by the California Department of Insurance to operate on a “Non-Admitted” basis but is not “backed” by the CIGA Fund. Financial stability of the carrier becomes very important when they are transacting business on a “Non-Admitted” basis. This can be investigated by using companies such as A.M. Best who are in business for the sole purpose of researching insurance carriers and compiling statistical information.

One point that should be mentioned is that financial strength is not always related to the carriers Admitted or Non-Admitted status. Furthermore, there are more regulatory restrictions placed on the Admitted carrier. Some of the largest insurance companies in the world choose to transact business in California, and in all states, on a Non-Admitted basis.

Loss runs are reports issued by your carrier that show whether or not you have had any claims. These reports must be dated within 90 days of a quote request. Providing Favorable Loss Run history can sometimes get you a discount on your premium, and are required by most carriers.

Yes. You can finance your policy with a minimum down payment of approximately 30-50% of the total cost, depending on the carrier. (Finance charges will apply).

No. We are an independent Brokerage. We work for the insured, not the carrier.

We try to obtain as much information we can from you. From this information, we are able to determine what carriers will best fit your needs and provide you with the best price. In some cases it can take completing several applications to get you the best quote.

This is an endorsement which names others to your policy. It is a requirement by almost all carriers, if you hire a Sub-Contractor. Your company must be named as “Additional Insured” on their policy. Failure to comply with this requirement can get you Cancelled or could affect a claim, should one arise.

Yes. Your premiums are based on the estimated numbers provided at the inception of your policy. These numbers are usually based on your past history. In order for the carrier to determine that you were charged the correct premium for the amount of your exposure, a carrier will contact you towards the end of your policy or after it has expired.

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