Claims & Renewals
Claims, Certificates, and Renewals
Everything that happens after a policy is bound: claims support, certificates, mid-term endorsements, and the annual coverage review.
Most insurance work happens after the policy binds. The carrier handles the policy; we handle the relationship: filing the claim, producing the certificate, adding the additional insured, and walking you into renewal with last year's program reviewed against this year's exposures.
What to expect
How it works
- Claims: report 24/7 to the carrier, with agent support inside one business day
- Certificates of insurance: typically same-day, often within hours
- Mid-term endorsements: 1 to 3 business days depending on the carrier
- Renewals: a coverage review 60 to 90 days before expiration, with re-marketing if appropriate
FAQs
Common questions
- How do I file a claim?
- Call the carrier's 24/7 claims line on your policy, then notify us so we can advocate inside the file. If you cannot find the number, call us first and we will route it.
- How fast can I get a certificate of insurance?
- Most certificates are issued the same day. Complex additional-insured language or waivers of subrogation can take 1 to 2 days while the carrier reviews.
- When does my renewal review start?
- 60 to 90 days before expiration. We re-confirm exposures, review claims activity, and decide whether to re-market or stay with the incumbent carrier.
Ready to talk?
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