2. What is the standard agency licensing procedure needed to do business with The Beacon?

Answer:
The following procedure is required:

1. Provide The Beacon with a current RI P&C license, resident or non-resident.
2. Complete and submit The Beacon Agency Application.
3. Complete and submit a W9 form.

The name and tax ID number on all of the above items must be identical, as this is how commissions will be paid and policies will be read.

3. Will The Beacon provide a quote over the phone?

Answer:
No. Determining the correct job classifications and rates for premium calculation if not as simple as it sounds. Jobs that appear to be similar may be considered different for classification purposes. Our underwriters will review the operations carefully to make sure that the proper rates are applied. Completion of an application is necessary.

4. Who is responsible for Subcontracting Arrangements?

Answer:
The principal contractor is liable for injuries to an uninsured subcontractors' employees.

5. What type of application does the The Beacon accept?

Answer:
The Beacon will accept applications filed on the standard Acord application. It is critical that all information is included on the application in order to bind coverage. A cover letter explaining the account, along with prior loss history (loss run information) is also desired. Incomplete applications or submissions will be returned if information is not received within 7 days of submission.