Allegheny Pacific Insurance Services is a full service brokerage committed to bringing you the best insurance for the lowest premiums. We deliver this promise directly through our experienced brokers whose combined years of experience are over 80 years. Allegheny Pacific Insurance Services is also a member of Pacific Interstate Insurance Brokers together representing more than 100 California insurance brokers with more than $150 million in written premium. This provides stability with our companies.
When you become a client of Allegheny Pacific Insurance Services, you are assigned one of our experienced brokers as your exclusive contact. You will always speak directly with your broker not an 800 number that sends you to a different customer service representative every time you call and who does not know you or your account personally. Your broker representative will monitor your insurance at all times contacting you regarding billing questions, changes and claims. If something happens with your current insurance, they are there to shop and move your insurance as needed.
An independent broker is defined by the California Department of Insurance as a representative of the insured, you the customer. As brokers we are able to place your insurance business with many different insurance companies such as Allied (A Nationwide Company), Travelers Insurance Company, Safeco Insurance Company (A Liberty Mutual Company), Capital Insurance Group, The Hartford, Kemper and many more. Because we are appointed with so many companies we are not beholden to just one giving us the freedom to represent your interests. Agents who represent just one company, known as direct writers, do not have this freedom. The California Department of Insurance defines an agent as one who represents the insurance company rather than the insured.
No! Although brokers can charge broker fees these are usually reserved for hard to place commercial insurance policies. Allegheny Pacific’s contracts with all of our personal lines insurance companies prohibit us from charging any fees.
Brokers earn commission from the company with whom we place your insurance. The insurance rates that are charged are the same rates that you would get directly, so our services do NOT cost you one cent!
Yes! Since your broker representative is your advocate, you can ask that “what if” question without jeopardizing your insurance coverage. Your broker will provide you with an answer based on their licensing and experience which can help save you money and hassle.