There is a big difference in the turn around time when it comes to obtaining a Commercial insurance quote vs. your typical home or auto quote. Personal Home and Auto quotes are obtained internally with our rating systems that we have at our fingertips. We do have several types of Commercial/Business risks that we are able to quote in the same day which includes: Retail Stores, Auto Body or Mechanic Shops, Office or Medical Buildings, Service Shops and many more. We can turn these
risk quotes around within a 24 hour period but more often the same day.
At the same time there are several risks that require us to submit your application to a Managing General Agent (MGA) who has access to hundreds more companies which accommodate those with higher risk businesses. Some examples include: Handyman, Hi-Rise Window Washing, Excavators, Construction, Casinos, Physicians and many more.
In this case, once your application is submitted to the MGA, they contact the appropriate companies that will best fit your insurance needs. We all are now at the mercy of the insurance companies to produce a quote. The Insurance companies are receiving 100's of quote requests a day and have between 1-3 underwriters processing the applications per state. The underwriters will process the application in order of receipt, the process from start to finish could take from 1-14 days for us (your Agent) to receive the quote.
If you are starting a new business it is very important that you call and request your insurance quote(s) 30 days prior to your opening or start date. Most importantly, the information that you provide to me in the beginning is very crucial to the turnaround times. Items needed to provide an efficient and accurate quote are on my Commercial Packet Application. By clicking the following link it will take you there [ http://www.sageinsurance.com/Resources/Documents.aspx ]. Just print, complete and fax or email back to me your application and I will be happy to get started on your quote. This application must be completed in its entirety in order for me to get you a quote for General Liability, Property, Professional Liability, Workers Compensation (NEW), Professional Liability andDirectors and Officers.
If you are shopping your current insurance, I will need you to complete and submit the Commercial Packet Application, the Commercial Worker's Compensation Application [ http://www.sageinsurance.com/Resources/Documents.aspx ] , a copy of your loss runs for the last 3 years and your current insurance declaration page which lists your coverage's. By submitting the above information and documentation this will expedite the process, but please do remember that the insurance companies may request additional information or supplemental applications may need to be completed.
For those of you that may just not be getting the service that you should be getting and would like to keep your insurance with the same Insurance company, but would like a new Agent we can do that for you too! Please just complete the BOR (Broker of Record) letter [ http://www.sageinsurance.com/Resources/Documents.aspx ] with your current information, print it on your Company letterhead and fax it to 702-547-1919. The Sage Insurance Services, Inc. team will take care of you! I will become your Agent and our team will provide you with service that you have never experienced before.
The key is to submit the information quickly and your quote process will be seamless!
As always your patience is greatly appreciated.
Thank you for taking the time to read my blog and I encourage any and all questions that any of my readers have. Don't be shy, I know you have questions out there! 
Have a great day!
Michele Tanico
Commercial Lines Manager