Frequently asked questions.

An insurance company underwrites and issues the policy. A broker is independent: we represent you, shop your file across multiple insurers, and advocate for you when something goes wrong. You pay the same rate either way; the broker is built into the policy.

No. Carrier rates are filed and the same whether you go direct or through a broker. Going through a broker gets you choice across markets and someone in your corner at claim time.

Personal lines (auto, home, condo, renters): typically same-day. Commercial: usually 1–3 business days, depending on complexity and underwriting requirements.

For auto: license, VIN, current declaration page if you have one. For home: address, year built, square footage, basement/roof updates, and current declaration page. For commercial: a description of operations, gross revenue, and number of employees gets us most of the way there.

Yes, and you should. Most carriers offer 5–25% discounts when you bundle.

We re-shop your file across our markets if there's a meaningful rate change or if your situation has shifted. You'll hear from us before renewal, not after.

If you're an active client and need a COI for a landlord, GC, or contract, email us the details and we'll usually issue it the same business day. See our Certificates page for the full list of what we need.

Call us first if it's safe. As your brokers, we'll guide you through every step and work with your insurer to make sure the process moves smoothly.