These frequently asked questions (FAQs) are designed to give our policyholders a deeper insight of InsureLMT's policies and benefits.

InsureLMT offers $2 million of liability coverage per occurrence, or per single claim. Per occurrence means the maximum amount of coverage available to you for each individual incident resulting in a claim during your term. Individual annual aggregate is the maximum amount of coverage available to you for all incidents that occur during the course of a policy year. InsureLMT offers an individual annual aggregate of $3 million. In other words, you have $3 million of liability coverage available to you per year.

It is important to note the difference between Occurrence-Form and Claims-Made coverage. Occurrence-Form coverage means claims arising out of incidents that occur during the policy term are covered even if they are reported after the end of the policy term. Claims-Made coverage means claims arising out of incidents that occur during the policy term are covered only if they are also reported before the end of the policy term. Some Claims-Made policy forms allow for an extended reporting period beyond the policy term at an additional cost. Occurrence-Form coverage is generally preferred by LMTs, compared to pure Claims-Made coverage.

Your coverage with InsureLMT goes into effect immediately. If you apply online or by phone, you will be emailed your certificate of insurance and receipt within minutes of completing the application.

Yes! You can purchase a policy now and select a start date up to three months in the future. For instance, if you purchase on November 1 but don’t need coverage until December 22, simply set December 22 as the start date during checkout.

Some employers or landlords will require you to add them as an additional insured. In doing so, you are giving that person or entity legal claim on the benefits paid under the general liability portion of your policy to the extent they suffer a loss. If you need to add an additional insured, you can do so at purchase or call into InsureLMT customer service anytime during your policy period.

Our accepted methods of payment over the phone and online are major credit cards: Visa, Mastercard, American Express and Discover.

This policy is a fully earned policy meaning as you are instantly enrolled into the InsureLMT system, and your certificate is emailed to you immediately, there will be no refunds from our policy

To place a claim, please refer to the email address on your Certificate of Insurance. Send as much information as possible regarding the incident. If you do not have this information please call 800-901-4702 and one of our representatives will assist you.

Your InsureLMT insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.

Yes, we offer monthly payment plans through PayPal's Pay Monthly credit program. While monthly payments offer convenience, we encourage paying in full upfront to avoid credit checks. The PayPal Pay Monthly option divides the total cost of your policy, plus a small service fee, over your selected payment term. Keep in mind, this option requires a credit check, and there’s no interest if you pay off the balance within six months. After that period, interest charges may apply.

To file a claim, simply reach out to our Operations Team at sarasota.bsd.operations@ajg.com to begin the process. The team will confirm your coverage and have you complete a Claim Summary Form. Additional documentation may be needed, depending on your specific situation. After that, we'll guide you through the next steps.

Yes, you're covered in both locations. Our policy covers you wherever you work, whether at a client’s home or in your office. As long as you’re compliant with local and/or state regulations, your coverage is valid in all 50 states.

You can easily access your certificate of insurance (COI) by logging into your online member portal and selecting "Certificate of Insurance" from the menu on the left. If you prefer, you can call us and we’ll email a copy of your COI directly to you.

The distinction between part-time and full-time policies is based on the number of hours spent with clients. If you work 10 hours or fewer per week with clients, you would select the part-time policy. If you exceed 10 hours, you will need the full-time policy. Tasks like administration and marketing do not count toward these hours. Both options provide the same coverage limits.