Our minimum premium is $75,000 or greater. This is the total for all policy lines of insurance to include Auto Liability, Auto Physical Damage, General Liability, Workers Compensation, Property, Equipment, Umbrella/Excess, Cyber, etc. 

Yes, many of our clients come to us by way of AOR, Agent of Record, whereby you would keep your current carriers, but move them to us for servicing.

This will vary depending on your specific business needs, but in general we like to start with a meeting about 6 months prior to your renewal date, which at that time we will establish a timeline to ensure the best renewal results.

We like to start our relationship by doing a full coverage review of your current policies to ensure adequate coverage, and review endorsements and exclusions. We will do an analysis of your premiums versus losses to establish your loss ratios, which together will determine which markets and risk programs your business would qualify for. 

Yes. We will review your claims with you to determine which markets you qualify for depending on your loss ratios and specifics of your claims.

We will guide you on how to approach your current agent while exploring your options with us. When we first start discussions, there’s no reason to inform your current agent. But as we get closer to the renewal and we have to order loss runs, your agent may become aware that you are in discussions with us. When necessary, we advise you to let your agent know that insurance is a big item on your expense sheet, so it’s only good business practice to explore your options to ensure you are best placed.

Louisiana, Mississippi, and Alabama are our primary states, but coverage is available nationwide as well as worldwide.