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Frequently Asked Questions: General Information

Subtopics:
- About the Programs
- Obtaining a Quote
- Filling Out the Application
- Purchasing the Insurance

About the Programs
- Are all policies annual?
  
  Are all policies annual?
  
  Yes! The only one that isn't is event insurance, which is a short term liability policy.
  
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- Do I have to be a member to get insurance with you?
  
  Do I have to be a member to get insurance with you?
  
  Yes! Our insurance programs have been designed specifically for FA members. If you sign up and then decide not to get your insurance through us, we're happy to refund your membership dues. But we do have lots of other fabulous programs that may be useful, so check out the rest of the website!
  
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- Does what I need insurance for have to be artistic in nature or arts-related?
  
  Does what I need insurance for have to be artistic in nature or arts-related?
  
  Yes! It does need to be artistic in nature. We are, after all, an arts service organization.
  
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- How come Fractured Atlas staff cannot immediately answer all my questions?
  
  How come Fractured Atlas staff cannot immediately answer all my questions?
  
  Fractured Atlas is an arts service organization, not an insurance company. Our Liability Insurance programs are a service to our members and we work with insurance brokers and carriers to create these programs. Sometimes we must contact these insurance agents to ensure that members receive a complete, correct answer.
  
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- How come the rates are so low? It seems too good to be true!
  
  How come the rates are so low? It seems too good to be true!
  
  It's because we love you and fight hard to get you the best policies at the lowest rates possible. These programs are just for our members: you won't find them anywhere else.
  
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- How long does it take to get coverage?
  
  How long does it take to get coverage?
  
  We'd love it if you give us at least ten business days, but we can usually do it in 3-5 if necessary. Some thing take lots of time, like workers comp and errors and omissions. Some things don't, like equipment coverage and volunteer accident insurance. If time is tight, stop reading this and fill out an application ASAP then give the office a call!
  
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- Is Fractured Atlas an insurance company?
  
  Is Fractured Atlas an insurance company?
  
  Nope! We do have a licensed insurance broker on staff, but we work with insurance companies to get awesome policies at great rates for our members.
  
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- What if I still have questions?
  
  What if I still have questions?
  
  Email us! That's always the fastest way to get an answer: shoot an email to support@fracturedatlas.org and we'll get back to you just as soon as possible, and definitely within one business day.
  
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- What insurance companies do you work with?
  
  What insurance companies do you work with?
  
  Lots of them, but the ones we do the most with are Philadelphia, The Hartford, and Chubb. We only work with A, A+, or A++ rated companies.
  
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Obtaining a Quote
- Can I get a quote lower than the miniumum?
  
  Can I get a quote lower than the miniumum?
  
  No! The minimum quotes are the minimum quotes that we can give you. It doesn't get any lower. But you're always free to shop around and see what else you can find!
  
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- Can I just get a ballpark figure without becoming a member and applying for a quote?
  
  Can I just get a ballpark figure without becoming a member and applying for a quote?
  
  Yes and no. Fractured Atlas staff members are not insurance underwriters and, therefore, we do not recommend asking us for a ballpark figure. We can try our best to offer a broad price range based on the quotes we've seen in the past, but the actual quote could be a lot lower or higher than what we present.
  
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- Do I have to be a member to get a quote?
  
  Do I have to be a member to get a quote?
  
  Yes! We've worked hard to create these programs specifically for our members, so you do need to join first. If you decide not to get your insurance with us, we're of course more than happy to refund your membership dues. But we really do have some other fabulous programs, so spend some time on the website and see what we're all about!
  
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- How do I apply for a quote?
  
  How do I apply for a quote?
  
  1. Become a member 2. Log on to the website 3. Go to "Liability insurance" under the "Programs and services" menu 4. Pick the program you need 5. Click "Apply today"
  
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- How far in advance can I apply for a quote?
  
  How far in advance can I apply for a quote?
  
  Unless you plan to buy it immediately, we can't get you a quote if your event or start date is more than two months away. If you submit an application really far in advance, we could get you an indication (an idea of how much the premium will be) in case you need it for budgeting reasons.
  
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- I don't like/I no longer need the quote. What should I do?
  
  I don't like/I no longer need the quote. What should I do?
  
  Let us know! If you think there's a problem or you just plain don't want it, we like to know so that we can either fix it or close out the application. It's as easy as hitting "Ask a question" on the "My liability insurance" page, and we'd really appreciate it!
  
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- Is it free to apply for a quote?
  
  Is it free to apply for a quote?
  
  Yes. All members of Fractured Atlas can apply for liability insurance quotes for free.
  
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- My quote is really high! What's up?
  
  My quote is really high! What's up?
  
  It happens! Some states are just plain expensive, and insurance underwriters are scared of a lot of things. We always do everything we can to get you the most affordable policy possible. If you get a quote that seems really high, email us! There's probably something we can do, or at the very least we can tell you what made it cost that much.
  
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- Things have changed since I applied. What should I do?
  
  Things have changed since I applied. What should I do?
  
  We'll fix it! Just let us know: we can always get you a revised quote. There's really no need to submit a new application.
  
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- What do I do once I receive the quote?
  
  What do I do once I receive the quote?
  
  Read it! They're a little dense, but it's really not as scary as it seems and there's a lot of important information there. Once you've had a peek at it, if there's anything at all you're wondering about go ahead and hit the "Ask a question" button on the My Liability Insurance page. We'll get right back to you with answers. If everything looks good, you can buy the policy right there on the website.
  
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- What happens if you can't get me a quote?
  
  What happens if you can't get me a quote?
  
  We'll let you know as soon as we find out! There are some things that are hard to cover: music videos, aerial work, rap concerts . . . We'll always keep looking even if you originally get turned down. And we'll keep you posted on our progress! Unfortunately, there have been things that we've had to say no to, but we always try to give you ideas of where else to look.
  
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Filling Out the Application
- I can't get to the application!
  
  I can't get to the application!
  
  Are you a member? Then you need to log on to the website! Are you not a member? You need to sign up! Once you've joined (as a full member, community members can't apply for liability insurance, just healthcare), you'll be able to log on and access the applications.
  
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- I don't know how to answer some of these questions!
  
  I don't know how to answer some of these questions!
  
  Insurance sucks! We need a lot of information to get you a quote, and it's really important that it be correct. Some questions have little question marks next to them that help explain what we're looking for. There are also little white boxes with more information, or you can always look at the FAQs for the specific application you're trying to complete. Still confused? Email us at support@fracturedatlas.org or give the office a call. We deal with this every day and can totally help you figure it out.
  
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- What is an "additional insured?"
  
  What is an "additional insured?"
  
  That's somebody that's not you who needs to be included in the policy. It's actually a really complicated question, but that's the simple answer. Sometimes venues or organizations ask to be included as additional insured and that's not a problem at all. Our policies come with unlimited additional insureds, and you can request certificates right through the "My liability insurance" portion of the website.
  
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Purchasing the Insurance
- How do I get a copy of my policy?
  
  How do I get a copy of my policy?
  
  Usually the insurance company will send you one 3-4 weeks after you purchase the coverage. For equipment, volunteer accident, event, and artwork policies you'll need to email us at support@fracturedatlas.org and ask us to send you a copy.
  
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- I need insurance certificates!
  
  I need insurance certificates!
  
  That's great, but you need to request them online. Once you've purchased the policy, there will be a big green button on your "My liability insurance" page that says "Request certificates". Hit that, fill out the information, and you'll get an email with your certificates attached within one business day. Need them faster? Email support@fracturedatlas.org and let us know.
  
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- The quote looks great! How do I purchase the insurance?
  
  The quote looks great! How do I purchase the insurance?
  
  Follow the instructions online! Go to "My liability insurance" and the site will walk you through the rest.
  
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- What's the binder fee?
  
  What's the binder fee?
  
  It's an administrative fee to Fractured Atlas that makes this program possible!
  
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Frequently Asked Questions: General Information

About Fractured Atlas

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