FAQs

Here are some of the questions we often get. If you still have any doubt, feel free to contact us.

How do I get a quote?
You can get a quote here. If you are not sure which form to complete, contact us.

How do I get a Certificate of Insurance?
If you are our client already and need a Certificate of Insurance, please fill out the following form.

Why use an insurance broker?
Insurance brokers have experience in the insurance industry and managing risk. They help you identify all the risks and make sure that you are covered in case of a loss. Also, since they work with different insurance companies, they can give you the best price available.

What services do brokers offer?
It depends on the broker. For example, we offer a variety of services such as home & auto, commercial, life, and international insurance. Some brokers offer services such as credit insurance, medical insurance, and more. Another service that brokers offer is financial advising services.

How is a broker different from an agent?
As brokers, we represent you, the client. We put your information into the system and try to get the best price AND coverage possible. For example, we work with 27 insurance companies. We try to get a quote from as many carriers and give you the one that fits best for your needs. On the other hand, agents represent the insurance company.

How are insurance brokers regulated?
Brokers are licensed by the state insurance regulatory agencies and they usually renew their license every other year. Basically, insurance brokers are regulated by the state.

Is it more expensive to use a broker?
Not really. Most of the time the insurance companies pay the broker's commission so the client does not have to pay a broker fee.

What is risk management?
It is the identification and evaluation of risk. For example, if you own a business and you need insurance, we will help you identify all the risks that your company can face and evaluate them. We will provide you with the risks and make sure that your insurance policy covers all of them in case of an accident or loss.

Why do I need Life Insurance in my 20s?
Simply put, because it is cheaper. People in their 20s are usually healthier which makes their policy cheaper. Also, many people start a family when in their 20s. This is a good reason to get life insurance because usually young families do not have a lot of savings. We know that thinking about your loved ones not being here is hard and you want to avoid it. However, you must be prepared to support your family. Usually, you can maintain a lower price as you get older.

Why do I need to give personal information for a quote?
We need your personal information including your SSN because we need to verify your identity and see your history so we can give you the most accurate quote.