How can I apply for an appointment with SAFA?

If you feel that a relationship with S.A. Freerks & Associates, Inc. would benefit your agency, please print, complete, and return the following information to Amy Schaper by email or by fax at (314) 436-1532.

• Copy of current declarations page for appropriate Errors & Omission coverage with at least a $1 million limit.
• Agency and Producer licenses in the state(s) in which you will be placing coverage.
• Completed Producer Agreement
• To quote and bind business with USF&G Specialty Homeowners, please also complete the USF&G Producer Agreement.

All agents must adhere to accounting payment policies and procedures.

How do I turn in a claim?

Most losses may be turned in on Acord Loss Notices. Please submit completed loss notices only. You may download the forms in Adobe Format here:

Automobile Loss Notice
Property Loss Notice
General Liability Loss Notice

Personal Lines

• Chubb Insurance Group
  Insureds or their agents may turn in claims directly to Chubb via their toll-free number,
  1-800-252-4670, or via Chubb's online loss reporting system.
  
  
• USF&G Specialty
  Insureds or their agents may turn in claims directly to USF&G via their toll-free number,
  1-800-631-6478. Insureds or their agents may turn in claims directly to USF&G online or via their toll-free number,
  1-800-631-6478
  
  
• All Other Personal Lines Claims
  Agents may submit Acord loss notice to Julie Whitby Koller by email or fax to
  (314) 621-0560.
  
  

Commercial Property/Casualty & Garage

• Scottsdale / National Casualty
  Insureds or their agents may turn in claims directly to Scottsdale and National Casualty via their toll-free number, 1-800-423-7675, 24 hours a day, 7 days a week
• All other Companies
  Agents may submit Acord loss notices to us by fax at
  (314) 436-1532 or to Kim Hortig by email.

Commercial Auto/Transportation

• Scottsdale / National Casualty
  Insureds or their agents may turn in claims directly to Scottsdale and National Casualty via their toll-free number, 1-800-423-7675, 24 hours a day, 7 days a week
• All other Companies
  Agents may submit Acord loss notices to us by fax at
  (314) 436-1532 or to Toni Raniolo by email.

What information do I need in order to get a Commercial Property Quote?

Property

We can write just about any type of property risk from a low value vacant dwelling to a multi-million dollar risk. We can tailor coverage from limited perils to broad all risk perils including flood and earthquake. Certain types of risks require specific underwriting details as does the inclusion of certain perils such as theft, flood, or earthquake.

In order to properly underwrite a property risk and secure the optimal proposal for your client, we need the basic information requested on the Acord, plus:

1. Details to the extend of building updates
   
   
2. A complete description of the occupancy of the premises
   
   
3. Let us know if you have visited the risk and if you know and have done business before with the prospect.
   
   
4. For the Earthquake peril, we need to know the specific construction, has it been retrofitted for Earthquake, is it built on solid ground or fill, and the county and zip code it is located in.
   
   
5. To cover theft, we need complete details as to the premises alarm system and other private security.
   
   
6. To cover flood, we need to know if it is in a flood plain and which level. Also if it is eligible for National Flood Insurance, we need verification and details of coverage, and the distance and elevation from any natural body of water or stream.
   
   
7. For specific classes / occupancies, click on the appropriate description for more detailed information requirement and questionnaires.
   
   
   Restaurant Supplements
   
   Habitational Supplements

Why was my e-mail rejected by your office?

Please keep file attachments as small as possible. Our server is not capable of handling e-mails with large file attachments. If you are sending many files, split them up into smaller emails.

Make your subject line clear and specific. For security reasons, our e-mail users are instructed to not open e-mails from anyone if they are unsure what that email is regarding, even if they know the sender.

Verify the correct spelling of the recipients e-mail address prior to sending an e-mail. See the Contacts section of our website for correct e-mail addresses.

We do not accept bind requests via e-mail. Please fax all bind requests to (314)436-1532.

What are S.A. Freerks' payment terms & conditions?
Revised September, 2004

• Invoices are mailed along with the policies and endorsements. These are automatically generated and mailed regardless if payment has already been received. In most cases, your agency is not required to pay from this invoice. These are sent for your reference and provide you with the policy detail breakdown such as premium, fees, taxes, etc. and show you your commission rate and the net amount due to our office. Please note, however, there may be times where we require payment in full at time of binding or immediately upon receipt of the invoice. This should be noted either on your quote or on the invoice.
• Invoices are due on a monthly statement basis. The statement is titled "Broker Statement" and this would contain all invoices that remain unpaid to us at the time of printing. The statement is generated and mailed to your Agency at the end of each month.
• "Broker Statements" are due by the 15th of the month following the statement ending date. For example, your August statement would be due to us by September 15th.
• If your "Broker Statement" is a credit balance, payment will be made to your Agency when S.A. Freerks & Associates receives funds from the company. The credit has to be requested in writing via fax, postal mail or email. The credit may be carried over to the next month.
• Your Agency is responsible for payment by the due date regardless of non-payment by the insured. Premium financing is considered agency bill and should be sent directly to us.
• If your "Broker Statement" is not paid by the 15th of the month following statement date, your accounts are subject to direct notice of cancellation for non-payment.
• Continued payment related issues will result in review and possible termination of your Producer's Agreement.
• No checks directly from the insured will be accepted for payment, except in the case of a direct bill account. We require an agency check as payment to us.
• On accounts which are financed through a Finance Company, we expect the funds to be sent directly to us unless otherwise agreed upon. Your Agency is responsible for sending in the down payment minus your commission.
• When accounts which are financed are cancelled, we return the NET premium directly to the finance company unless otherwise agreed upon. Your Agency is responsible for sending your return commission directly to the finance company. We only return premium to the finance companies on CANCELLED policies, not on endorsements which are done on the accounts. Your Agency is responsible for returning any premiums that are a result of endorsements to an account directly to the finance companies. Please note that we cannot release any returns to the finance companies until we have received the funds from the carriers. In most situations, we do not receive the funds until 2 months from which the cancellation was put on the books.

Do you offer premium financing?

Yes we do. You can request it at the time of quoting or at the time of binding. Please contact Amy Schaper in our accounting department for more information or a quote.

Financing requirements:

• Completed Premium Financing Information Sheet or copy of quote & first page of application
• Minimum $1,000. premium
• If accepted by retailer/insured, copy of signed agreement emailed/faxed to Amy at the time of acceptance. Original copy to be mailed to our office along w/ the agency check for the down payment minus commission within 5 days of acceptance.
• At the present time, this is only being offered for property & casualty.