Here at Flow, we strive to be the best habitational general agency because our agents deserve the best. Our goal is to be your first stop after your core carriers. Whether you are looking for more competitive pricing, better coverage, or access to products that your markets do not offer we can help. Below are several things that we use to try and make us the best habitational general agency.

We couldn’t be the best habitational general agency without our markets. Less and less companies are willing to write habitational insurance, especially in California. Flows list of habitational insurance carriers continues to increase, offering more products and better pricing. We offer policies through both admitted and non-admitted carriers. Our variety of markets helps us remain competitive to help you win more business and keep your existing business.

As an agent, you have enough on your plate. We help take on some of your work load by quoting risks in our systems for you. You send the application and we do the quoting, so you can move on and do all the other things you have to do in your busy life. This way, you’re not having to learn even more systems, keep track of even more logins, and try and figure out who is the most competitive. In our goal to be the best habitational general agency, we try and take as much work off your plate as possible.

You can’t be the best habitational general agency if you don’t know your products. Although we have multiple carriers, we work closely with each of them to keep up on their underwriting strategies and competitiveness, helping us to quickly communicate with our agents that we believe we can be competitive or if we should pass on a certain risk.

We are strong believers that to be the best habitational general agency, quick turnaround time is a necessity. As soon as we receive a quote request, we will confirm it was received and let you know if any additional information is needed. If referring to underwriting is required, we will refer it within 24 business hours and follow up with underwriting appropriately to expedite the process as quickly as possible. As soon as we have the quote, we will turn it over to the agency. If for some reason the process is taking longer than expected, you can be sure that we’ll reach out to let you know the status. Our philosophy is that if we’re going to error with communication, we’d rather over-communicate than under communicate.