Question 1

How quickly can I get an insurance quote?

Accepted Answer

Most quotes are delivered within 24 hours of receiving your completed application. For simple coverage like personal auto or basic business policies, we can often provide quotes the same day. Rush quotes for urgent situations can sometimes be delivered within a few hours during business hours.

Question 2

What types of businesses do you insure?

Accepted Answer

We specialize in trucking companies, contractors, property owners (homeowners and landlords), and small to medium-sized businesses. Our expertise includes commercial auto, general liability, property insurance, workers' compensation, and business owners policies (BOPs).

Question 3

Do you work with high-risk or hard-to-place accounts?

Accepted Answer

Yes, we work with multiple carriers including those that specialize in non-standard and hard-to-place risks. Whether you have claims history, are a new business, or operate in a challenging industry, we'll work to find you coverage options.

Question 4

How do I file a claim?

Accepted Answer

You can file a claim online through our website, call our 24/7 claims hotline at (555) 123-HELP, or contact your agent directly. For urgent situations, we recommend calling the hotline for immediate assistance. We'll guide you through the entire claims process.

Question 5

Can I get a certificate of insurance quickly?

Accepted Answer

Yes! Most certificates are delivered within 2-4 hours during business hours. For rush requests, we can often provide certificates within 1 hour. You can request certificates online through our client service portal or by calling our office.

Question 6

What's the difference between a BOP and separate GL and property policies?

Accepted Answer

A Business Owners Policy (BOP) bundles general liability and commercial property coverage into one policy, often at a lower cost than buying them separately. BOPs also include additional coverages like business income and equipment breakdown. They're ideal for small to medium-sized businesses with standard risks.

Question 7

Do you offer payment plans?

Accepted Answer

Yes, we offer flexible payment options including monthly, quarterly, and annual payment plans. We accept credit cards, debit cards, electronic bank transfers (ACH), and traditional check payments. Automatic payment plans are also available for your convenience.

Question 8

What areas do you serve?

Accepted Answer

We are licensed throughout California and serve clients statewide. While our office is in Los Angeles, we work with clients from San Diego to San Francisco and everywhere in between. Many of our services can be handled remotely via phone, email, and our online portal.

Question 9

How do I know if I have enough coverage?

Accepted Answer

Our agents will review your specific risks and recommend appropriate coverage limits based on your assets, business operations, and potential exposures. We'll explain the coverage options in plain English and help you balance adequate protection with your budget.

Question 10

What makes MIS different from other insurance agencies?

Accepted Answer

We focus on speed, clarity, and personal service. Unlike large agencies where you're just a number, you'll work with the same dedicated agent who understands your business. We combine industry expertise with modern technology to deliver fast quotes, immediate certificates, and responsive claims support.

Frequently Asked Questions

Frequently Asked Questions