TORRENCE W. BROWNYARD, CPCU, President, Program Manager, Security Guard, extension 120

1. How do we apply for coverage?

It's easy! Just ask your broker to mail, email or fax the completed required information as soon as you can. You do not need an Agency Agreement to write this coverage through our program. We can usually have a quote for you within a few days.

2. Are there minimum premiums?

Yes...our policies are subject to minimum premiums as follows: $300,000. Limit, $2,500. minimum premium $500,000. Limit, $3,000. minimum premium $1,000,000. Limit, $3,500. minimum premium

3. In what states is the coverage available?

ALL states, except Wyoming and Nebraska.

4. What information is required for a quote?

• Completed, signed Brownyard application
• Four-year loss information
• Detailed Resume (for clients under three years experience in the industry)
• Copy of Broker's License and proof of Errors & Omissions Insurance

NOTE: Although there is no original signature required to quote, NOTE: we will need the signed, original application to BIND coverages.

5. What limits can you write?

Although we do recommend that the higher limits be considered, we do write limits of $300,000.; $500,000. and $1,000,000.

6. What are your carriers ratings?

We only write our program through the very best carriers that have ratings of at least “Excellent” or better.

7. Is your Program admitted?

Our program is admitted in all states except LA & WA.

8. Are your rates competitive?

The coverages we offer through our program are not only very broad, but very reasonably priced.

9. Can I get a lower premium if I go directly through Brownyard without a broker and their commission?

No, we value the relationship between you and your local insurance representative and encourage you to stay with a local broker for the best possible service.

10. Can I get my Auto Coverage at Brownyard?

Yes, Business Auto is available in all states, except Wyoming , Nebraska, Texas and Puerto Rico. Call our office for details.

11. Is Workers' Compensation coverage available?

Yes, it is in many states. Call Brownyard for details.

12. Does Brownyard write Property & Inland Marine coverage?

Yes!