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That depends on many things – starting with what kind of insurance is being quoted. Your size, mission or program offerings, vehicles, payroll, foreign operations…these and other pieces of information factor into the speed of a proposal.

Investing time with us up front not only helps us be sure the necessary insurance coverages are being quoted but allows us to write a narrative with the submission. This provides the underwriter a measure of comfort and can translate into competitive pricing.

Many buyers believe an umbrella policy protects from every claim possible. Most insurance policies exclude many types of claims – from insects and rodent damage, lightning strike to a paved parking lot or sidewalk, wear and tear on equipment to name a very few.

Umbrella policies can be described as ‘more of the same’ which means you need an underlying or base policy with proper coverage first. And remember - Umbrella policies are for liability – not your property.