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? Frequently Asked Questions

How do I obtain a quote from PGIA?
How long is a Premium Indication valid?
What are PGIA’s core states of business?
Will PGIA consider risks outside their core states of business?
Does PGIA require me to sign a contract?
What lines of coverage are available?
What companies does PGIA do business with?
Who issues certificates of insurance?
Do I have binding authority?
How do I cancel a policy?
Does PGIA offer premium financing?
What types of accounts does PGIA typically bind?
Who do I contact if I have a different question?


How do I obtain an indication from PGIA?

If you are a licensed agent, we accept submissions via email, fax or mail. Please view the Contact Us tab for more details. To obtain an instant quote, check out our online raters at Get A Quote. Phone indications are available on many Commercial Auto accounts.

How long is an Premium Indication valid?

Our Premium Indications are valid for 30 days unless otherwise stated.

What are PGIA’s core states of business?

We’re able to offer all our products in Arizona, California, Nevada, and Oregon.

Will PGIA consider risks outside their core states of business?

Yes, we will consider multi-state Commercial Auto risks if one state is one of our core states. We can consider Commercial Auto (ten power units or more) and Garage ($10,000 minimum premium) accounts in any other state except Massachusetts. General Liability, Commercial Property and Workers' Compensation are available in other states on a submit basis.

Does PGIA require me to sign a contract?

Prior to binding our first piece of business with your office, we will require a signed Producer Agreement, a copy of your license, and proof of Errors and Omissions coverage.

What lines of coverage are available?

Check out our Products pages to see which coverages are available.

What companies does PGIA do business with?

PGIA represents and has binding authority with the following companies:


National Indemnity group of insurance companies Berkshire Hathaway Homestate Companies

Other companies with whom we do business but have no binding authority:


United States Liability Insurance Group

Who issues certificates of insurance?

You are able to issue Commercial Auto certificates of insurance by clicking on Manage Your Policy. All other certificates of insurance will need to be issued from our office and can be requested on our Issue a Certificate page.

Do I have binding authority?

No, a policy is not considered bound until you contact PGIA and receive written confirmation. Please see our Binding tab for more instructions.

How do I cancel a policy?

You will need to Contact Us to cancel a policy. We do not flat cancel or backdate cancellations.

Does PGIA offer premium financing?

We do not have a premium finance company. You may arrange financing on your own or we can provide a financing quote through a third party if needed. Also, we offer a Direct Bill program that provides a variety of payment options on select risks. See our Billing page for more details.

What types of accounts does PGIA typically bind?

Check out our Areas of Success page for more info.

Who do I contact if I have a different question?