Frequently Asked Questions: 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 "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?

  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! Let us know by revising your existing application. You'll find the "Edit" button next to each policy you applied for in the "My liability insurance" section of the website.

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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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