OUR QUOTE PROCESS

1. Premium DOES matter, and it should be a major consideration when purchasing insurance coverage. We will always work hard to get the best possible coverage, from a highly-rated company, for the best premium we are able to obtain at the time.

2. Your quote will be "built from the ground up," and we will do all the work that is needed. You will not be asked for burdensome information. Our thorough process does not cause delays and it takes very little of your time.

3. We will make every effort to identify all risks that you and your organization should be insured for.

4. We will make every effort to accurately determine the appropriate insurable value of your buildings, contents and other insurable assets.

5. We will never propose coverage that you do not need. We will always propose coverage that you do need.

6. We will never charge for our quotes.

7. We will never charge for our advice and consultation, regardless of whether or not you purchase your insurance through us. You will receive the same high level of service even if we feel that it is not likely that you will purchase insurance coverage through us.

8. When comparing our quote with your current policy or with competing quote(s) you may have obtained: If our quote does not provide you with the best possible coverage, agent experience, support & service, and highly-rated insurance company — all for the lowest available premium — we will tell you that.

9. It is not true that specialty insurance companies generally have higher premiums than non-specialty insurance companies. In fact, most of the time, a specialty company's premium will actually be lower for better coverage in a niche market like ministry insurance, college insurance, cemetery insurance, school insurance, and so on. This is because a specialty company knows what to charge for specialty coverage. When an insurance company is not familiar with a particular risk to be covered, that company will charge a higher premium because they just are not sure about the risk.

10. Ministry insurance is a specialized market, and all of the organization types we write coverage for — starter organizations, small organizations, rural, medium-sized, large and mega — should be insured with a specialty ministry insurance company.

11. Small churches (and, indeed, all small organizations) will receive the same high level of service and attention from us as larger churches and other organizations.

12. We will not issue estimates or "contingent" quotes. At the conclusion of our quote process, you will receive a firm quote.

13. With regard to any quote inquires you might have during the quote process: We make every attempt to answer all phone calls and to give you a complete and satisfactory answer at the time of the call. If we are unable to give a complete answer at the time of the call, we will respond with a complete answer within two hours of your initial call (except in rare instances when major changes to the quote have been made during the quote process). Email inquires will receive a complete answer within three hours. (Again, answers to inquires about major changes in the quote made during the quote process will take longer.)

14. We will not propose coverage from an insurance company with an A.M. Best rating of less than A- (unless a quote for your organization is not available from another insurance company with an A.M. Best rating of A- or higher).

15. We will deliver a quote to you as fast as reasonably possible, and we will take as little of your time for your quote as possible.

—Reed Sprague