Frequently Asked Questions

Short answer:  We would LOVE TO, but we can't.

Long answer:  We cannot give you an estimated cost on ANY insurance because every single line of insurance ranging from auto and home insurance to Professional Liability and a Bond are ALL RATED ON SEVERAL DIFFERENT FACTORS, depending on the type of coverage you are purchasing.  

For example, auto insurance is rated on:

• age of the driver
• the zip code where you live
• the value of the car
• the coverages you choose
• the driver's driving record
• the value of the car
• the annual mileage

Truly, we would love to give you an idea of how much it's going to cost but it's just not possible until we enter all the rating factors for the particular type of insurance you are requesting.

A lot of this answer depends on the type of business you have.  We tell people that it is typically 5-7 business day.  However, sometimes we get it same day!  That is rare but it has happened.

If you are requesting a quote for a complex package like an Assisted Living Home or a Facility that offers several types of services, it will DEFINITLY take at least a couple of weeks to properly shop and quote your coverage.

No, it is not.  Worker's Compensation is a separate policy.

Commercial Auto policies are NAMED DRIVER POLICIES.  This means that unless someone is specifically listed as a driver on the insurance policy, THEY ARE NOT COVERED.  Please do not ever make assumptions, add any new drivers you have and do not assume they are covered until it is confirmed by your agent.

• Check made payable to RBD Insurance Services scanned and emailed for electronic deposit.  We do NOT need the original.
• Zelle:  Use sam@rbdinsuranceservices.com as the contact.
• Credit card:  subject to a 4% processing fee.

Yes!  We work with a third party premium finance company that facilitates the premium payment option.

NO!!!!  Never assume anything is covered, EVER!  Whether you are referring to a personal policy or a business policy, never assume.  There will be some instances where certain coverage is automatically extended to another location but that is rare.  Always ask your agent BEFORE you acquire the new location, vehicle, empty piece of land, etc.