We talk to agents all the time, from all over the state. One of the most common complaints is the amount of time it takes to get quote indications from an insurance company.

Many agents say they wait days for an indication. Wouldn’t you agree that waiting this long for an indication is unreasonable, and bad for business?

You have several choices for your habitational risks, right?

With everything else being the same, you want the insurance company with the best service, so you can provide great service for your clients and sell the policy.

We have been insuring apartments, condos, duplexes, triple-deckers, brownstones, and many other types of habitational property for over 25 years. Our specialty is residential condos and apartments with 2-10 units

We’ll give you fast & simple online quote indications

Agents told us, “We need a simple, fast way to get an indication”.

• You want to skip the full application for right now.
• You want to get a “ballpark” quote.
• You want to do it quickly.
• You want to do it easily.
• You want to do it without filling out long forms.

Use our online quote indication form, get an indication within 30 minutes*

1. Fill out our online form by clicking here (it only takes a minute or two)
2. Click “Submit” to send us the information
3. The underwriters in our office* will immediately receive your request
4. You will receive the indication by email, along with any further instructions

It’s that simple

Click here now to receive a quote indication

*(Dale & Amy, our underwriting specialists, usually get these back in 30 minutes or as soon as possible)

Red Sox Ticket Giveaway Extravaganza!

Every year, we give away Red Sox tickets to out agents and brokers as a way of saying, “Thanks for the business!”. This year we wanted to do something a little different, and decided to have a weekly trivia contest, and give away a pair of Sox tickets to the winner

So, every Tuesday this season, check your inbox for the trivia question. Answer correctly and you might win!

It’s Free to Play! Here’s how:

1. Use the form in the right sidebar to sign up for the mailing list

2. Check your inbox every Tuesday for the question

3. Answer the question and you might win!

Using 1 policy for every size and shape of habitational building is like fitting a square peg in a round hole. We consistently write more 2-10 unit residential condo/apartment buildings than anyone else because that is our specialty. We don’t try to be everything to everybody.

What we are good at is insuring residential condo/apartment buildings with 2-10 units

It is a very specific market, and that is why Brownstone is extremely popular in this class. We know these types of properties, and product was designed for these types of properties, and we serve them very well.

What is the next step…where do I start?

1. No need to sign up as a new agent/broker yet – we can take care of this later
2. Submit a property for on online indication -it’s simple and there is no obligation, click here for an online indication
3. When we move on to an actual quote & binding, we can get your agency information, click here for applications

Effective 1/1/2008, all new Brownstone Insurance habitational policies will be underwritten by Everest National. Any current AIG policies will be in effect until the expiration date.

The change from AIG to Everest has been a great opportunity for us to improve our habitational policy, and we’re very excited about the changes.

We have partnered with Everest for 3 reasons:

• The ability to expand the Brownstone Program
• More rating flexibility
• They help us serve our clients better

Ability to Expand the Brownstone Program
More Territories- Working with Everest, we have been able to expand the program territory to include all of Massachusetts, Rhode Island, and Connecticut. Through our affiliate office in New York, the Brownstone Program reaches to New Jersey and New York as well. With a larger territory, you are able to write more buildings with Brownstone.

More Classes- Another major reason for the change of carrier was our need to include more property classes in the Brownstone Program. With the change to Everest, we can now include apartments, condominiums, offices, mercantile, and fire-resistive buildings. Again, more property classes mean stronger selling power to our brokers & agents.

Larger Buildings- The Brownstone Program has always been limited by building size. This is somewhat a product of our origins; starting in urban areas and specializing in smaller “brownstone” buildings. The Program has expanded, and we needed to write larger properties.
Now with Everest, we have the ability to insure buildings with up to 100 units, double what it used to be with AIG.

Better Coverage- Overall, our coverage limits have been greatly improved with by moving to Everest. Liability limits have increased to $2,000,000/$4,000,000. We have higher limits on sub coverage like demolition, water backup, flood, and earthquake. We now have more deductible options up to $10,000, and can even offer blanket coverage.

More Rating Flexibility

Higher Limits- Our in-house underwriting authority has increased 500% to $25,000,000, and through re-insurance our limits are limitless.

Helping us serve our clients better

Less Restrictive Underwriting Requirements- By working with Everest, we have more flexible loss control level requirements. Instead of basing loss control on valuation, it is now based on number on units.

Even better, our coastal requirements are improved as well, reducing to only 1/2 mile (compared to 1 mile with AIG)

Simpler Application- Even though our previous application was pretty simple to fill out, it is now even better. At only 2 pages, it only takes a few minutes to fill out.

Furthermore, we only need a new application filled out every 6 years, a huge improvement over the previous 3-year cycle.

More Authority as Agency- With more authority for our in-house underwriting department, our turnaround time is fast. We are able to get instant indications, fast quotes, and same day policy issuance in most cases.

About Brownstone Insurance Agency
The Brownstone Insurance Program started in 1973 in New York City. The concept for the product came from insurance agents living in an up and coming neighborhood of renovated older buildings in need of habitational policies.

The Brownstone Program was started, and for over three decades it has grown and changed as much as the neighborhoods in which it started.

Today, Brownstone’s Boston affiliate offers some of the most competitive products with competitive prices, underwritten by an insurance company with an A+ rating. We’ve been insuring Boston’s neighborhoods for over 25 years, and we look forward to 25 more.

About Everest National Insurance Company
Everest National Insurance Company represents the primary insurance operations for Everest Reinsurance Company, one of the leading professional reinsurance organizations in the world.

Everest National Insurance Company specializes in primary program insurance opportunities written through underwriting managers, which we refer to as Program Administrators. With our affiliated companies, we offer Program Administrators the products needed to write programs throughout the United States.

We have a staff of seasoned insurance professionals in the underwriting, claims, actuarial, operations, systems, accounting, loss control, and premium audit disciplines to assist Program Administrators in analyzing opportunities and developing an approach that favorably positions the program in the market. Everest’s Direct Retail underwriting facilities offer coverage, through independent agents, to the commercial account market.

1. Instant indications- Your client wants it fast, we help you get it for them. Use our online form, fax form, or give us a call.
2. 2 page application- Tired of wasting time filling out huge applications? Completing our 2 page application takes just a few minutes.
3. Same-day issuance- Get the deal done and move on. Our in-house issuance departments gets them out same day.
4. Buildings up to 100 units- Our package policy is for building as small as 2 units, and up to 100 units. Don’t be limited by size.
5. Flexible rates- Our rates are competetive, and we can apply special credits. If you need a rate for a good risk, we can get it.
6. 3 Year Policies- Exclusive to Brownstone, why sell every year? Sign them up on our 3Year Policy and get upfront commission.
7. High limits- Our limits have increased to $2,000,000/$4,000,000, don’t be limited with other policies.