What insurance companies does Insight represent?
How do I apply for coverage?
How do I submit applications to Insight?
Is there a special e-mail address for applications?
How long does it take to get a quote?
How do I become an agent?
How do I bind coverage?
Do you offer premium financing?
How do I report a claim?
What is the benefit of DOL (Defense Outside of Limit) coverage?

What insurance companies does Insight represent?

We are proud to announce that we are offering coverage on behalf of the Argo Group of companies. Argo will be the exclusive carrier for Insight’s Accountants, Insurance Agents and Architects & Engineers professional liability insurance programs. Insight operates as the program administrator for these programs and has underwriting and binding authority on behalf of Argo throughout the U.S. Argo and Insight are both specialists in program insurance with established reputations for professionalism.

Headquartered in Hamilton, Bermuda, Argo Group International Holdings, Ltd. (NasdaqGS: AGII) is an international underwriter of specialty insurance and reinsurance products in the property and casualty market. Argo Group offers a full line of high-quality products and services designed to meet the unique coverage and claims handling needs of businesses in four primary segments: Excess & Surplus Lines, Commercial Specialty, Reinsurance, and International Specialty.

Insight made this change in part because we needed to be more responsive to market conditions and the needs of our clients. We believe this new arrangement positions us strongly to better serve our customers as the insurance industry continues to undergo change. This partnership enhances Insight’s well-earned reputation for customer service while providing excellent financial strength and responsiveness to all of our programs.

How do I apply for coverage?
To see if a firm qualifies for coverage and receive a no-obligation premium indication, an application must be submitted directly to Insight.  Applications can be quickly and easily downloaded from our web site in each individual product line section (insert link). We also will send applications to you via fax or mail. Once completed, the application can be e-mailed, faxed or mailed to us for prompt review.

How do I submit applications to Insight?
We accept applications by e-mail, fax or traditional U.S. mail. Although we prefer our own application, we can usually provide quotations from other companies’ applications. If you are sending another insurer’s renewal application, be certain to include a current claims history or a statement that there have been no claims.

Is there a special e-mail address for applications?
Yes.  All e-mailed applications should be sent to apps@insightinsurance.com. Applications sent to individual underwriters will be routed to this mailbox for processing but we prefer that you use the application mailbox. This allows us to streamline our processes and will assure that your submissions receive the same prompt attention we have always provided.

How long does it take to get a quote?
Our typical response time is 48 hours or less. We respond to most applications within 24 hours. Occasionally, we must refer an application to the insurer, which may delay our response to within 4 days. Quotes are generally valid for up to 30 days or until the expiration of current coverage. All of our proposals will include this information.

How do I become an agent?
We accept new agency appointments, subject to proper licensing. You will need to have a current Property & Casualty agent license in your state and in the state of the Insured, if different from your location. We do not have a minimum premium production requirement.

Getting started is easy. Send us an application to be quoted.  Although we prefer our own applications, we can usually provide quotations from other companies’ applications. If you are sending another insurer’s renewal application, be certain to include a current claims history or a statement that there have been no claims.

We will respond to you within 24 to 48 hours with a quotation, a request for additional information or a declination. When the quotation is accepted, the order for coverage should be relayed to us. We will immediately respond with a binder that includes the policy number. We will invoice you for the net premium. You will be sent a Producer Qualification Agreement, which outlines the basics of our transaction. The PQA provides an agreement that you are licensed, that you will pay the premium, and that you do not have binding or underwriting authority. We require that the PQA be signed by an agency principal and returned to us.

How do I bind coverage?
Once you have a valid quotation, we accept orders to bind coverage by telephone, fax, mail or e-mail. You will receive a binder confirming coverage within hours. If you do not receive this confirmation, contact your underwriter as coverage has not been put in place.

Do you offer premium financing?
Yes, we offer free financing on premiums of $10,000 or more. The plan we have available requires 40% down, 30% in 30 days and the final 30%, 30 days later.

We also offer a very competitive traditional premium financing arrangement. This financing requires a 20% down payment and nine monthly installment payments. We have made this financing as easy as possible for both the agent and the policyholder. Insight will quote the financing terms and process the paperwork. The agent will collect the down payment from the policyholder. Insight will invoice the agent for the net remittance. The finance company will bill the policyholder for the nine installment payments. The finance charge will vary as current interest rates change.

How do I report a claim?

Claims should be reported to Insight. All available information should be faxed, mailed, or e-mailed to us as soon as possible once you are notified of a claim or potential claim. Our toll-free fax number is 888-447-6289 and e-mailed

claims should be sent to  

We will respond to the policyholder and the agent with the assigned claim number as verification of receipt of the claim report.

What is the benefit of DOL (Defense Outside of Limit) coverage?
Most professional liability policies include the costs of defense within the Limit of Liability. Plaintiffs’ attorneys, the attorneys that bring suit against our insureds, are aware of this fact and will often threaten to drag out the claim as a way of promoting a quick settlement offer from the insurer. If the insurer spends a significant amount of the Limit on defense costs, there is a greater possibility that the remaining limit will not be enough to pay a court judgment. The insurer must inform the insured of this possibility, which leaves the insured’s assets at risk for any judgment in excess of the insurance policy. Once the insured is aware of this possibility, most feel pressured to settle the claim quickly rather than risk losses beyond the insurance protection. If the insurer does not agree with the insured’s request for settlement and an ultimate decision causes financial damage to the insured, the insured has a bad faith action against the insurance company. (In other words, the insured now has a valid lawsuit against the insurance company.) Successful bad faith actions cause the insurance company to reimburse the insured for the financial impact, plus significant penalties are usually assessed. Bad faith actions are very serious trouble for insurers.

If a Defense Outside Limit policy is purchased, the insurance company has separate dollars to apply to defense costs, outside of the dollars available to pay for judgments and settlements. The insurer now has the ability to ask the plaintiff’s attorney to spend his money chasing a claim that may not result in a judgment for the claimant. And as plaintiff’s attorneys are generally paid a percentage of the amount collected by the claimant, they are not anxious to pursue claims that can’t be won. The DOL option gives an insurance company a better opportunity to defend insureds. Plaintiff’s attorneys have to more fully assess the liability of the insured professional before pursuing an aggressive attack. Although a DOL option will not make legitimate claims disappear, it does provide the insurance company with a better chance to mitigate frivolous and questionable claims.