Frequently Asked Questions

Q: What kinds of insurance do you offer?

A: Private investigator insurance, Insurance for fire suppression/fire sprinkler contractors, Security Guard Companies, Burglar Alarm Installation & Monitoring, Fire Alarm Installation & Monitoring, and Restaurant Suppression Contractors.

Q: What information do I need to provide to get a quote?

A: Initially, we do a pre-qualification of your company to see if we can help you. If we can and you wish to proceed then we will need a completed application, prior carrier information and a copy of your standard contract.

Q: How long does the process take get a quote?

A: Depending on your situation, it can take anywhere from 1 day to 2 weeks. If we have to order prior insurance carrier loss history, we are at their mercy. Normally, loss history should be received within a week.

Q: How many insurance companies do you represent?

A: We write business with eight different insurance companies.

Q: Where do you write business?

A: We are currently licensed in twenty eight states.

Q: Do I have to wait until renewal to get a quote for my insurance from you?

A: No, you can get a quote at any time.

Q: What is the turn around time for certificates of insurance?

A: We usually turn them around in thirty minutes to an hour.

Q: Do I have to pay for certificates of insurance?

A: No, not for a standard certificate naming your client as either a certificate holder or additional insured. If by contract, you need to add Primary, Non-contributory wording or a Waiver of Subrogation then it may cost you to purchase the coverage – not for us to do the certificate.

Q: I currently have an outstanding audit issue with my current insurance company.

A: Is this something that you can help me with? Definitely yes!!! We specialize in educating our clients in how to properly prepare for an audit. If it becomes necessary, we can actually handle your audit for you.

Q: I am bidding on a contract and I don't understand the insurance requirements. I am afraid that I may bid too low and be required to purchase higher limits of coverage after I am awarded the job and that will destroy my profit margin. Can you assist me with this process?

A: Yes we can. We are not attorneys, so we always recommend that before you sign any contract, you let a qualified attorney review it. Specifically, we can review the insurance requirements and let you know what you will need to carry to satisfy the contract. We also let you know what the additional costs may be so that you can account for them in your price for the job.

Q: What type of insurance do you offer?

A: Private investigator insurance, insurance for fire suppression/fire sprinkler contractors, security guard companies, burglar alarm installation & monitoring, fire alarm installation & monitoring, and restaurant suppression contractors.

Q: What information is needed for a quote on a liability insurance policy?

A: We ask for a detailed resume, professional references, and loss record going back four years.

Q: How do you handle audits on an existing policy?

A: Our Company provides free support for audits.

Q: What kinds of Professional Liability Insurance do you offer?

Q: How long will it take to get a quote on an insurance policy?

A: Very often, after asking you about a half-dozen questions over the phone, we can give you an estimated figure on the rate for your particular needs.

Q: After that, what do I have to do to move forward with your services?

A: As in taking out insurance with any company, a written application needs to be filled out and sent to our office.

Q: Do you accept applications on-line?

A: Yes, we do.

Q: How do I report a claim on my policy?

A: Simply call our office and one of our customer service representatives will talk you through the process.

Q: If my company numbers change mid-policy, is it important to contact you?

A: Absolutely! This way we can revise your policy in terms of price and coverage.

Q: Why is it that some of your competitors offer lower premiums for their services?

A: We believe that our coverage is superior to the competition in all price-points. It is also important to be aware of inclusions and exclusions in any policy. If you get a low quote on a premium, it has been our experience that you will get less coverage, or simply no applicable coverage.

Q: Getting back to basics, why does my company need professional liability insurance?

A: In many states, it’s required by law. Also, you want to protect your company and employees in case of accidents at the workplace and to cover financial losses from lawsuits.

Q: What carriers do you write for?

A: At the moment, we have seven nationally recognized programs.

Q: How does "errors and omissions" insurance relate to professional liability insurance?

A: If the liability is limited to acts of negligence, then they mean the same thing.

What Many Insurance Brokers Don’t Want You to Know

Not all insurance brokers are the same. There are some that do not have their clients’ interests as their priority. Here are some things that those insurance brokers do not want you to know regarding their services.

The Majority of Their Income Comes from a Single Source

Ideally, an insurance broker has access to the products from numerous insurance companies. That is one way to ensure that its clients will have plenty of options.

What some brokers might not want you to know is that their income comes from a single source. That can be a problem because they could be pushing for the company which gives them most of their income regardless of their client’s needs.

How Your Premium Is Calculated

Some brokers will not tell their clients how their premiums are calculated. The calculation process is deliberately confusing. Insurance companies use this method to discourage comparisons.

The First Settlement Offers Are Deliberately Low

Normally, the first settlement offer is very low. In some cases, they are the lowest amount that insurance companies are obligated to pay.

That’s one way for insurance companies to make more money and your broker might not share that detail with you.

The Policy Exclusions

Some brokers emphasize on the things covered by their policies without mentioning the things that are not covered. You must ask your broker for a list of events where coverage does not apply for your policy.

These are just a few of the things that other insurance brokers do not want you to know.

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