Underwriting Philosophy

The ownership phase of our operation encompasses all activity incurred after the producer has sold a Legacy policy including: policy issuance, billing, endorsement, and renewal processing. Appointed producers have binding authority of three days, which will allow ample time to obtain all necessary application information (e.g. photos, inspection reports, copies of prior insurance declaration pages).

The timely processing of our business is an area of emphasis; our service standard is three days or less for all transactions. We sort the applications, input the basic information into the system (which assigns a policy number), post the cash, and order the underwriting (MVR, CLUE, ADD) reports the day we receive the applications from our producers. All money is deposited into the bank the day it is received in our office. Transactions are balanced by batch to insure proper posting to these new accounts. 

One of our highest priorities is to maintain an outstanding team of Underwriters and Customer Service Specialists. We price competitively, but adequately, and leverage all available tools to effectively analyze each risk.