We don’t wait for renewal to save you more money: We understand the necessity for the lowest bottom line cost regardless of timing. That’s why we continually entertain new business quotes with new carriers in the market place. We will “shop” your insurance needs for you throughout the policy year, not just at renewal. With an ever increasingly competitive insurance market, carriers, and their rates constantly change. The carrier who was most competitive in July may not be the most competitive in November.
Most certificate requests are processed within 15 minutes. So you will never have an employee stranded waiting to go to work for you because you haven’t provided the company or homeowner with the certificate they require for you to perform your work. Or be waiting to get paid because they have not received your proof of insurance.
FCIC will track your subcontractors and owner operators’ certificates for you so you will not be hit with a large bill at audit for someone else’s insurance. Just simply provide a copy of the certificate of insurance or the subcontractor’s company name, policy number, and carrier name to FCIC and we will request current proof of insurance/certificates, and periodically check back with the insurance carrier to make sure their insurance does not lapse.
FCIC will always put your bottom line before its own: FCIC has a large arsenal of carriers, all with substantially different commission schedules, some paying more than others. But when it comes to placing your insurance needs, FCIC does what most insurance agencies won’t. We will place your insurance with the “A” rated carrier with the lowest annual expense, regardless of what our commission may be. We here at FCIC take great pride in being upfront, honest and genuine people. We know that if we have the honor of earning your business this year, and we do not meet and exceed the highest level of expectations, we will lose your business to another company in subsequent years.