Frequently Asked Questions

Insurance FAQsAt Insurance Innovations, we are constantly striving to improve our services. We encourage customer suggestions, questions and comments, and keep them in mind when developing our products.

For your convenience, we have included some frequently asked questions on this page. If our customers don’t find the answers to their question, we encourage them to contact our office during business hours to or to submit their question via email or our online form.


Using Our Online Application

What if I already have an Insurance Innovations online indication?
Use the Return Users Dropdown on the Insurance Innovations homepage. You will be prompted to enter your previously created username and password so that you can access your online quote, bind and pay for your policy.

Will I need my current policy information to apply?
You won’t need your current policy information to obtain an initial indication. However, we encourage customers to use their current information so that they can obtain the most accurate price.

Is my information secure?
Our online quote portal is secure, and your information will not be made available to third parties.

What browsers are supported?
Firefox, Chrome, Internet Explorer and Safari.


General Insurance Questions

What is the effective date?
The effective date is the first day you want coverage to begin. If you are changing carriers, it will be the last day of your current policy. If you have not previously had coverage, it will be the first day you start to provide services.

What is the expiration date?
Policies are usually issued for a one-year period. In some instances, policies may be issued for a shorter term. Consult with your insurance agent to confirm this.

What is a retroactive date on a claims made policy?
The retro date is 12:01 A.M. Standard Time at your address and date requested on the policy’s declaration page, which begins your coverage period. In most cases, the retro date is the first day the insured started providing professional services. It is important to verify your retroactive date to ensure you do not have a lapse in coverage.

Do I need retroactive coverage?
Retroactive coverage is needed on a claims made policy. Without retroactive coverage, any procedures performed prior to the effective date will not be covered. Retroactive coverage, however, is not required for an occurrence policy.

What is claims made coverage?
Claims made coverage is coverage for claims resulting from injury occurring after the retro date, provided the claim is reported to the carrier while the policy is in effect.

What is the difference between occurrence and claims made coverage?
Occurrence Insurance refers to a policy that covers the insured for any incident that occurs while their policy is in effect, even if the occurrence is reported or becomes a claim after the policy period ends. A Claims-Made policy, on the other hand, only covers events that both occur and are reported within the insured period.

What if I have a claim?
Contact us immediately so our specialists can help you navigate the claims process and minimize any additional issues or problems that may arise.