Frequently Asked Questions...
Below are some common questions that we have received and found most helpful to our agents.
How Do You Bill Your Business?
Can You Finance Premiums?
When Are Premiums Due?
Can We Bind?
Are Sample Applications Available On-Line?
May We Submit Applications By Email?
Can We Fax You An Application For An Indication Of Pricing?
Do Your Employees Have Email Addresses?
What Are Your Business Hours?
How Do I Report A Claim?
What Contact Information Do You Need To Set Up Accounting?
^ TOP
How Do You Bill Your Business?
The majority of Commercial Lines Business is AGENCY BILL (ACCOUNT CURRENT) with a few exceptions such as the Zurich Company Direct Bill Package Business. Most Personal Lines Business is DIRECT BILL, within either the Insurance Facilities, Inc. program or that of a specific company. We can bill the lienholder/mortgagee, or insured. In the case of an "Insured Bill" direct bill policy, we require entire premium for the initial term to accompany the application.
^ TOPCan You Finance Premiums?
For those of you not having a premium finance facility available, we can provide loan applications from a private well known finance company. Company installment billing is available for certain Trucking accounts meeting Annual Premium Requirements. Request information. Installment Contracts or short term policies are available for some of our Commercial and Personal Lines forms of coverage. Please contact us regarding specific product lines.
^ TOPWhen Are Premiums Due?
Account Current Business is the Responsibility of the producing agency. Premiums are due the END OF THE MONTH following that within which they are billed. Example: For premium billed on your June Account Current, payment is due prior to July 31st. Exceptions are for those "Special Class Contracts" requiring payment within the term indicated on the invoice accompanying a policy or binder. Trucking Contracts require down payments with applications, as do certain Reporting forms contracts. Payment is required with applications for Personal Lines (Direct Bill) Business unless we are to bill the lienholder/mortgagee and have sufficient time in advance to so do.
^ TOPCan We Bind?
The easy and "safe" answer is NO! Certain Personal Lines Business (Mobile Home, Standard dwelling Fire and Travel Trailer business only) is considered bound on the Post Mark Date of the envelope containing a complete and acceptable submission, or the day following "Metered Mailing" date. The responsibility of knowing binding guidelines rests with the producing agency. Please read your Underwriting/Rating manuals to determine what constitutes an acceptable submission.. Remember, we are as close as your computer, fax machine, or phone and can often advise acceptability and binding of accounts before close of business on most days; especially in the case of Personal Lines Business.. NO COMMERCIAL LINES BUSINESS OR TRUCKING ACCOUNTS CAN BE BOUND WITHOUT WRITTEN AUTHORITY.
^ TOPAre Sample Applications Available On-Line?
While this portion of the Web Site remains under construction, feel free to e-mail, fax, or mail any "Universal or ISO" applications you have prepared previously, and we'll work off of what is received. ALSO, IF YOU HAVE NEED of a particular ISO or specialty carrier application for companies we represent, feel free to request them in any manner you choose: e-mail, fax, phone or mail, and we'll get it right out to you.
^ TOPMay We Submit Applications By Email?
ABSOLUTELY! We actually now prefer completed e-mailed applications, and will accept Faxed or Mailed submissions also. Just determine how you prefer to submit your account, and send it in. We'll provide as prompt a response as possible, determined by the quality of that received!
^ TOPCan We Fax You An Application For An Indication Of Pricing?
Certainly. We receive requests for quotations with regularity. Remember, however, any submission will receive the attention deserved, based on completeness of the information contained within what you send. We can provide complete service to those only willing to provide all rating/underwriting information necessary. Our experience has been that faxed applications often are of lesser quality compared to those mailed.
^ TOPDo Your Employees Have Email Addresses?
Yes. Please contact us. Those sent to the address office@insfacilities.com will be received only by the company president however. You will generally wish to direct your email to the individual for the class of business concerned.
^ TOPWhat Are Your Business Hours?
Nine months of the year we're answering the phones from 8am to 4:45pm. June, July and August is a bit different! Monday through Thursday we're open from 7:30am to 4:45 pm and on Fridays our hours are 7:30am to 1pm.
^ TOPHow Do I Report A Claim?
American Reliable wishes loss notices faxed to them at 1-800-224-4170 OR AN INSURED can always CALL in a loss on an in force policy to 1-800-245-1505. American Modern Home prefers insureds call in the loss to 1-800-375-2075. You may also fax ACORD loss notices to 1-513-947-4042. The Hartford Livestock Department requires any sickness, disease, lameness, injury or death be reported to your veterinarian and The Hartford by phone at 1-800-295-1815 (8:00am to 4:30pm central time weekdays). If you feel an animal has been stolen notify the nearest law enforcement agency and The Hartford immediately. For emergencies after hours or weekends the answering service is
1-800-427-4876. FOR ALL OTHER COMPANIES, please fax completed ACORD loss notices to 1-605-336-9789. In a non-emergency, not time sensitive situations, involving no liability, you may mail losses to our office should you choose.
What Contact Information Do You Need To Set Up Accounting?
Call Margie at 1-800-658-3666 or visit with Bruce Meyer, Bob Schneider or Steve Akkerman (same #) and request the appropriate form be provided. You can also go to the contact us page and send an email to anyone of us here at Insurance Facilities Inc.