Continental Western Group

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 Frequently Asked Questions About Fire / EMS Pak

If I want more information about this program who do I contact?

Agent Representation - Our insurance program is administered through Managing State Agencies who have specialized knowledge about the operations of Emergency Response Organizations. These State Agencies work as a team with your local insurance agent to provide the best possible insurance products and services to your organization.

If I want more than one coverage do I need more than one policy?

Package Policy - Package Policy - Your insurance coverage is combined into a single package policy with one common expiration date and one billing. This is not only convenient for you, but you also save money by combining policies.

Is there a way to guarantee the rate I will be charged?

Rate Guarantee - We guarantee that your policy rates will not increase for three (3) years. In addition, if rates have decreased on your policy anniversary, we will renew with the lower rates.

What if I have a multiple coverage claim do I have to pay each deductible?

Waived Deductible - In any single loss occurrence to your property only one deductible, the largest, will apply, no matter what kind of property is damaged or how many policies apply to the loss.

Is there an incentive to keep my business with your company?

Renewal Premium Discount - We provide a special premium discount to you for every year that you continue to renew your insurance with our program. We are happy to reward your loyalty.

 


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