Frequently Asked Questions

Commercial General Liability Program for Artisan and General Contractors

Q: How do I obtain a quote?

A: You have three options. (1) Online rater (2) Phone indication (3) Application submission

Q: Do you accept risks with UNINSURED Subcontractors?

A: Yes. We accept uninsured subs and will be rated as payroll.

Q: Do you offer payment plans?

A: Yes, we offer financing with 15% down. Outside financing (using a finance co of your choice) is also allowed.

Q: Do you offer CG 20 37 (Completed Ops)?

A: Yes, we do offer CG 20 37. However, the coverage is limited to Commercial Work only.

Business Owners (BOP), Excess and Surplus Lines, Multi-Peril Package

Q: Can you offer phone quotes?

A: No, phone quotes are not available. Please submit any application you may have completed.

Q: I’m new to Commercial Insurance. Can you help me complete the application?

A: Yes, we can help you. Please contact our Director of Programs for assistance.

Q: How competitive are your rates?

A: If you provide us with the target premium, we will try out very best to meet or beat your target premium.

Commercial Auto Division

Q: How do I obtain a quote?

A: Call our Commercial Auto Underwriter to see if phone quote is available. Otherwise, use our Quick Quote App. We also require MVR’s and loss runs (if applicable).

Q: What payment plans are offered?

A: Direct Bill with preferred carriers. Other E&S carriers will allow financing with 20% to 25% down-payment.

Q: What is the maximum liability limits offered?

A: We offer up to $1,000,000 liability. However, depending on prior coverage, we may offer $750,000.

Q: What is your maximum radius?

A: Up to 500 miles for our preferred program and 48 states for our E&S program.

Surety Division

Q: How do I obtain a quote?

A: Online rater is available for qualified producers. Go to http://www.GWMGA.com (Must have login)

Q: What payment plans are offered?

A: Payment plans are offered for risks with a quoted premium of $300 and above.

Q: Do I need to file with the Obligee after the bond has been issued?

A: No. Once we issue the bond, we file it directly with the designated Obligee.