1. How do I make my finance
payment and am I going to be charged a fee for
paying it online?
You can make your finance payment either by sending
in a check or giving us your credit card information.
You may submit your credit card information online
through our website with no additional fee; Checks
can be mailed to 9362 Teddy Lane, Lone Tree, CO
80124. Back to the top
2. Can I pay off my
finance schedule early?
Yes you can pay your finance schedule early. Back to the top
3. How do I renew my
policy?
A. In order to renew your policy, we need your
completed and signed application along with the
full premium. You may fax, email, or mail your
applications in to us.
B. We currently underwrite and issue accident
medical coverage for QBE Insurance Corporation,
Certain Underwriters at Lloyd's of London, American
Sentinel Insurance Company, Aegis Security Insurance
Company, Capital Indemnity Insurance Company,
Platte River Insurance Company, Capitol Specialty
Insurance Company, Commercial Travelers Mutual
Insurance Company and Security Mutual Insurance
Company. For liability insurance, we underwrite
and issue coverage on the behalf of Capital Specialty
Insurance Company and Capital Indemnity Insurance
Company. Back to the top
4. Why do I need to
fill out new applications to renew if my numbers
are the same as last year?
The policies we issue are non-renewing policies,
therefore, the carriers require that we have updated
information on file for every year that coverage
is provided. Back to the top
5. What is the agency
info at the bottom of my application?
The agency information at the bottom of your application
is only used if you go through an agency. If you
are coming to us directly, this does not need
to be filled out. Back to the top
6. Which address can
I overnight a check to?
Please send all overnight checks to our street
address at9362 Teddy Lane, Suite 203,
Lone Tree, CO 80124. Back to the top
7. I need to add an
additional insured to my policy, how do I get
this done?
In order to add an additional insured to your
policy, we need your request in writing. You may
send this to us via e-mail, fax or mail. Make
sure to include the name of the policyholder,
the certificate number, and where we can send
the additional insured to. Back to the top
8. How can I change
my dates, limits, name, address or add participants
to my existing policy?
In order to make changes to your policy, we need
your request in writing. You may send this to
us via e-mail, fax or mail. Please make sure to
include the name of the policyholder, your policy
number, certificate number, and specific details
as to what needs to be changed on your policy. Back to the top
9. How long before I
receive my policy?
Coverage is bound once we receive your completed
application and full payment. Proof of coverage
can be rushed if requested, and hard copies will
be mailed upon completion shortly thereafter.
Back to the top
10. Do you provide
business in all states?
Yes, we do provide business in all states; however,
we are unable to provide a policy outside of the
50 states. Back to the top
11. What is a minimum
premium?
A minimum premium is the minimum amount that is
required in order to bind coverage, only if rate
calculations fall below the applicable minimum
premium. Back to the top
12. Are tournaments
covered under the Martial Arts and Dance Studio
policies?
Yes, tournaments are covered under the Martial
Arts and Dance Studio policies if the participants
of the tournament are the same as the participants
stated on the enrollment form. If the tournament
is for outside participants (anyone who wants
to participate), then there is no accident/medical
coverage in place. In order to cover outside participants,
a special events accident policy for the tournament
may be purchased. Liability coverage remains in
place. Back to the top
13. Can I purchase
the liability coverage without the accident coverage?
No, an accident medical policy of at least $10,000
is required in order to purchase a participant
liability policy. No accident policy is required
in order to purchase a spectator liability policy. Back to the top
14. Where can I send
in my claims to?
Accident claims can be submitted to the Loomis
Company. See the claim form for details. Liability
claims can be submitted directly to our office
via fax or email. Please make sure to include
contact information, policyholder name, certificate
number, and any other information needed to submit
your claim. Back to the top
15. How can I check
the status of my accident claim?
Please call the Loomis Company at 888-585-7065,
as we do not handle our accident claims in office.
Back to the top
16. How do I cancel
my policy? Will I be refunded?
You may cancel your policy by sending a request
in writing via e-mail, fax or mail. Please be
sure to include the name of policyholder and certificate
number. NOTE: Minimum premiums are fully earned
at inception of the policy. Anything above the
stated minimum premium may be pro-rated for a
refund. Back to the top
17. Are we covered
if we travel to another state, or outside the
U.S.?
Yes, your coverage will follow wherever you go.
However, claims or lawsuits must be brought into
the U.S. in order to be submitted. Back to the top
18. Can I get a sample
policy?
Yes, we can provide a sample policy. When submitting
your request, please provide the state you are
in and the type of activity your policy will be
covering. Back to the top
19. Can you provide
Worker's Comp?
A. No, we do not provide Worker's Compensation
B. If this is a medical claim with the policy
number beginning with 2003, 2004 or 2005 you will
need to contact Commercial Travelers Insurance
Company at 800-422-6200. Back to the top
20. Can you provide
D&O coverage?
No, we can not provide D&O Coverage Back to the top
21. How can I get
a quote?
The online applications are provided with the
rates, and therefore are self-quoting. You will
know exactly what your premium is once you calculate
your applications. Certain risks, such as events
or facilities, are required to be examined by
an underwriter before a formal quotation may be
provided. One of our representatives will be able
to provide you with the appropriate quotation
request, should this be needed. Back to the top
22. What If I need
my policy to run longer than what's stated in
the brochure?
All of our brochures have the capability of being
prorated to annual policies. Please make sure
you send in your pro-rations when you submit your
application. To convert a policy to an annual
policy:
Divide the per participant rate by the number
of months the rate is set for
Multiply that number by 12
Use this rate for your participant rate when
calculating your premium to reflect an annual
policy term.
23. What do I do if
I don't know how many participants I'm going to
have yet but still need coverage?
We will issue your policy at minimum premium and
you may adjust the policy to add more participants
at a later date. Back to the top
24. Can I bind coverage
for just some of my participants/players since
most of them already have health insurance?
No, policies require 100% participation. Back to the top
25. Are independent
contractors covered under my policy?
No. Back to the top
