Avoid this company unless as a broker… Avoid this company unless as a broker enjoy having your account frozen, management NOT returning phone calls, and limited markets to choose from. Their IT department needs extensive help, just trying to reach out to their customer service: their website won't accept any email address......so your email does not get sent. So have fun with IT!

Great....unless you have a claim. Beware! I have a business owners policy in good standing. There was a small fire ruled an accident by 3 seperate fire investigators. I filed a claim. I was sent to a third party adjuster, who sent over another third party adjuster. It's been 5 days with no decisions no contact beyond third party adjusters who take pictures, and don't answer their phones for days then, call to say there is no decision... The contents of my business are sitting outside in the rain getting more damage and I am almost $3000 out of pocket already to protect it as best I can. I cannot open my business or pay any bills. Don't sign up if you actually need coverage or want to PROTECT your business.

Process Terrible process in trying to get policies bound. Extremely dissatisfied that my clients payment didn't get through and the way he found out that he and I both found out was that he received a letter in the mail that said he never got coverage due to money not being able to be pulled from his bank. Double work on my end, and the client had to drive in twice to see me and refill out the same application forms after his banking information didn't go through. Possitive experience when I connect with the underwriters or customer service on the phone. Additionally, very difficult to understand payment schedules and options.

Quick Response I did not encounter "friction" until after I made my down payment. Ed was very helpful in getting me signed up. However, after he turned my account over to the service reps, I encountered a major timing issue receiving my certificate of insurance. Thanks to Maureen the issue was resolved and I got my certificate the same afternoon (1 week after my original request). My experience dealing with Ed and Maureen gets 5 stars. Unfortunately, they were not the only people to handle my acct; therefore, as a whole I rate my experience as a three.

Warning!!! Not on the up & up!!! This company is sketchy at best. They never sent me commercial policy documents, until after I canceled my policy because they refused to confirm that my policy was active. I called multiple subsidiary companies trying to get our policy canceled. Runaround is not even enough to express how difficult they made everything. Finally six months after canceling I finally received a refund of unearned premium. Stay away from this company.