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Get a Quote Form Questions
Q: When will I receive my quote?
A: Upon completing the quote application, you will receive an immediate confirmation response outlining the basic coverages, limits and premium. If you wish, you may purchase the policy at this time using a credit card. Upon successful payment, we will email you both a policy confirmation and PDF document detailing your coverages. If you have any questions, feel free to contact us any time
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Q: What address should I enter in the Mailing Address field?
A: Your mailing address is the address where you receive your mail. It may be a post office box, your personal address or the physical address of the business.
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Q: What is the difference between the 'Business Name' and 'Doing Business As' fields?
A: The 'Business Name' is the legal name of your business, that is the name you use for the Internal Revenue Service. 'Doing Business As' is the familiar name you use to identify your business. If you have a “DBA”, and not all businesses do, it will normally be different than your legal name and must be registered with local authorities.
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Q: What address should I enter in the Business Location Address field?
A: Please use the physical address of your business, which cannot be a post office box number. Be sure to include a suite number, if applicable.
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Q: What should I select in the 'Occupancy' field of the quote request form if my business is located in my home?
A: Select the 'Rent' option. Remember, if your business is in your home, a Business Owners Policy will not provide coverage for your home nor for your personal belongings in your home.
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Q: Why is there a limit of three stories for building coverage?
A: Business Owners Policies in InsureFSA will not provide Building coverage for buildings more than three stories tall; however, in these cases the policy can still provide Contents coverage
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Q: How do I answer the questions regarding 'Square Footage'?
A: If you are requesting Building Coverage, be as accurate as possible when entering the 'Square Footage of Building' and the 'Square Footage Business Occupies'; if you are not requesting Building Coverage enter a good estimate.
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Q: How do I determine the type of 'Construction' of the building?
A: Frame – has exterior walls of wood or other combustible materials. Joisted Masonry and Non-Combustible – has exterior walls of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials, and the floors and roof are combustible. Masonry Non-Combustible – has exterior walls of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials, and the floors and roof are metal or other non-combustible material. Fire Resistive – has exterior walls, floors and roof constructed of masonry or fire resistive materials with a fire resistive rating of not less than 2 hours.
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Q: How do I determine my 'Annual receipts'?
A: This is the actual annual sales figure for your business.
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Q: How should I determine the 'Building replacement cost”?
A: This is the amount it would cost to replace your building in the event of damage or destruction, without taking depreciation into consideration. You may want to consult a professional to assist you with this determination.
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Q: Why should I determine the value of my 'Business personal property'?
A: In the event of damage to or destruction of your business personal property, you will need to know how much it would take to replace all of your damaged or destroyed contents, if you want them to be insured at their full value. Hence, be sure you enter the total amount it would cost to replace these items.
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Q: Do I need to identify all of my other locations?
A: Yes. You need to enter the number of other locations (do not include the primary location as that information is collected separately). If there are additional locations, please enter the information requested for each additional location.
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Q: What is included in contents?
A: "Contents" are often thought of as the business personal property that is owned by the business and used in your normal day-to-day operations. Personal property includes stock, furniture and other equipment. Additionally, this will also include property belonging to others in your care, custody and control if it is located in or on the building or within 100 feet of the described premises. Personal property not used in the business is not included as covered property within the definition.
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Q: How do I enter the name of my business?
A: This is the legal name of your business just the way you will want it on your policy to make sure that you, if you are the owner, are properly identified. This includes being a sole proprietor, partner, corporation or any legal entity.
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Q: I need to fill out a Business Owner's Policy form. Where can I download one?
A: Please download the ACORD form here. You may also download a fax cover sheet here.Policy Related Questions.
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Q: How can I determine the replacement cost of my building?
A: Replacement cost pays for the full value of damaged or destroyed property without taking depreciation into consideration. You may need a professional person to tell you exactly the amount of money it would take to replace your property in the event you received damage or loss to your property by a loss that would be insured against through your policy. This is important to make certain that you do not under insure your property subject to the terms of the policy, including coinsurance that may apply.
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Q: How do I determine the replacement cost of my contents?
A: Replacement cost for contents will pay the value of damaged or destroyed property without taking depreciation into consideration. In the event of an insured loss, you will need to know just how much money it would take to replace all of your damaged contents if you want them to be insured for their full and correct value. This is the total amount you should enter in the Business Personal Property field.
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