Policy Changes


Producers have no authority to bind coverage, change the provisions of a policy, or act on behalf of the Plan. Producers must request policy changes in writing either by mail, e-mail, or fax. No telephone call changes are accepted. We attempt to issue change endorsements within 3 business days after receipt of the request.

In additions, some policy changes require the insured's signature, including:

  • ● Cancellations
  • ● Rate Bearing Changes – changes to coverages or deductibles
    ● Adding or Removing Additional Insureds
    ● Reissuing Refund Checks


Policy changes - including mortgagee changes - cannot be made if there is a pending cancellation or non-renewal of the policy.

We cannot change the location of the property to be insured after the policy has been in force for seven days. In these cases, the customer should request a flat cancellation of the policy with the incorrect location and submit a new application, with deposit, for the correct location. These are two separate transactions and the return premium of the cancelled policy cannot be used as the deposit on the new policy. There is no coverage provided for the correct location during this process. The correct location is insured only when a policy with the correct location is issued.
Exception: If the incorrect location listed on Declaration page is due to the Plan's error, we will make the correction when notified and coverage will be provided for the correct location since policy inception.