Frequently Asked Questions
Short, honest answers. If you don’t see your question here, send us a note—we’re happy to help.
🏠
Personal & Auto
❓ Are you a carrier or a broker?
We’re an independent broker. That means we shop multiple carriers for you, explain options in plain English, and you choose the fit and price.
⏱️ How fast can I get a personal quote?
Often within 24–72 hours for straightforward policies once we have your basics (drivers, VINs, address history, prior coverage).
💡 What affects my auto rate most?
Driving history, garaging zip, vehicle model/year, mileage, and selected coverages/deductibles. We’ll show the trade-offs clearly.
🛡️ Do you offer umbrella insurance?
Yes—personal and commercial umbrellas are available to increase total liability limits above home and auto.
🏢
Business Insurance
📄 Can you match my lease or vendor insurance wording?
Yes. Send the insurance section and we’ll align limits and endorsements—additional insured (ongoing/completed ops), primary & non-contributory, waiver of subrogation, per-project aggregate, etc.
📦 What’s in a Business Owner’s Policy (BOP)?
Typically general liability + business property, with options like business income, equipment breakdown, cyber, and more.
☂️ When do I need a commercial umbrella?
If contracts require higher limits, or you have larger premises/auto exposures. We’ll price layers so you can choose confidently.
🧾 How fast can I get a certificate (COI)?
Usually same day once the policy is active and wording is confirmed. Email us the exact requirements and recipient details.
🧑⚕️
Workers’ Comp
🧮 How is workers’ comp priced?
Class codes × payroll × rates, adjusted by your experience mod. Safety programs and accurate classifications help control costs.
⏳ What is the annual audit?
The carrier reconciles estimated vs. actual payroll by class code. We’ll help you prepare to avoid surprises.
🧑💼 Do officers need to be included?
Depends on state/entity type. Some allow exclusion with forms; we’ll confirm and handle the paperwork.
🤝
Service, Claims & Costs
🗓️ How do I start a quote?
Pick the line you need and click Contact. We’ll send a short list of info (address, drivers, payroll/revenue, etc.) and then shop multiple carriers.
💵 Do you charge broker fees?
Many personal policies have no broker fee. Some commercial placements may include a disclosed fee depending on complexity—we’ll tell you up front.
📣 How do claims work?
Report immediately. We’ll loop in the carrier, help document, and stay with you through settlement. For emergencies, call the carrier’s 24/7 line—then call us.
🏷️ How can I lower my premium?
Bundle lines, consider higher deductibles, keep schedules accurate (locations/autos/drivers/equipment), use telematics and safety programs, and review coverage annually.
Didn’t see your question?
Send us a message and we’ll get right back to you with a clear answer.