Disaster
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About Disaster
We now offer an INSTANT INDICATION for coverage for Earthquake and Flood. Questions?
NEXT STEPS: Get quoting HERE. Don’t have a username? Click HERE.
Once you have played around in our system or submitted your first risk, feel free to request agency training for our Access One80 Insurance Underwriting Portal here: Request Training
Personal Lines Applications
Commercial Applications
Client Visits
Read this page before providing information in the Access One80 Insurance Platform. Please review the Commercial Form or Residential Form and upload to the portal HERE or request an instant indication HERE.
If you have questions about insurance terms, please consult the International Risk Management Institute (IRMI).
For tips on how to submit a WINNING PERSONAL LINES APPLICATION, check out our blog.
We also have a YOUTUBE channel to show you how to use the portal and submit an application.
Sample Risks
Flood
Earthquake
Landslide
Difference in Conditions (DIC)
Carriers & Availability
Multiple A Rated Carriers in 50 States
Frequently Asked Questions:
Is this an admitted product?
This is a non-admitted product.
What if I want to request higher limits?
You can request higher limits in the additional information box.
What if I have something not listed above?
You can select the miscellaneous option and simply provide an accurate description of the risk. Please note that we may ask follow up questions in the comment once you hit submit! .
HOW SOON CAN I GET a quote?
Our personal lines underwriters are assigned to submissions within 24 hours. Depending on the nature of the risk, location, etc. and the risk is acceptable, you will get a quote within 2-4 days.
HOW LONG IS A POLICY TERM?
12 months
WHAT ARE MY PAYMENT PLAN OPTIONS?
We have information on our Payments and Financing link. We accept check, ACH, and credit cards.
HOW MUCH IS an average policy?
Similar to other lines of insurance, the premium varies depending on the location, value, and construction of the home.
What’s the underwriting process like?
Here’s the progress from submission to policy.
Submitted, Indicated (Note that an indication does not mean the risk has been accepted)
Underwriting, With Carrier
Quoted
Bind Requested
Bound
Policy Issued
Please note that requests for additional information will have a .5 status and the application will be unlocked for you to provide requested information. We will send weekly reminders until you provide the information and notify the underwriter that additional information provided. Please refer to the comments section for a list of any missing information that may be required to offer a quote, bind coverage, or issue a policy.
WHAT'S COVERED?
Please review the quote packet for terms.
NB: Final price may vary based on additional information provided. Premium estimates expire after 30 days. The effective date of your coverage cannot be before receipt of payment.
Appetite questions?
Please use the appetite chat on the bottom right of your screen for any appetite questions.
Note: Not all of our appetites are listed here and the appetites that we can do vary by state and risk exposure. If you cannot find what you are looking for fill out our application form as best as you can, hit submit, and make a comment with any specific questions you may have. Our underwriters will be in touch within one business day. Get quoting HERE.