To get a policy or proposal you must first complete an application — which will give you an indication of your risk. The application will ask about your Human Resource policies, turnover in the agency, whether your agency has employment "at will," etc.
Completing the application is a procedure that any agency should do, regardless if you are purchasing insurance or not.
After answering the questions you will have a good idea of where your exposures are. If you were the insurance company, would you offer coverage to your agency under these circumstances?
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