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Frequently Asked Questions

DO YOU INSURE NON-STANDARD AUTOMOBILE RISKS?

Sorry, we do not write automobile risks.


DO YOU COVER LIABILITY RISKS?

We offer basic liability written in conjunction with the property coverage. We are not a casualty or liability market.


WHAT ARE YOUR PAYMENT TERMS FOR BROKERS?

30 days from our billing date EXCEPT for short term policies (3 months or 6 months) which must be paid at inception.


DO YOU HAVE A MONTHLY PAYMENT PLAN FOR POLICYHOLDERS?

No but your clients can use recognized premium financing companies to pay their policies to you.


DO BROKERS HAVE BINDING AUTHORITY?

Brokers cannot bind risks on our behalf. Any new business, additions, deletions or renewals must be confirmed by our underwriters.


HOW DOES THE RENEWAL PROCESS WORK?

We send you our conditions 30 days in advance and ask that you confirm if the renewal is required prior to expiry of the policy. If we do not receive your confirmation we will presume the policy is no longer required and send you a notice of non-renewal.