SERVICES

It’s what happens

after you get your policy that makes the difference.

Fairmont is with you for the life of your policy with personal, attentive service.

Unlike many agencies who bank on fast commissions and small overhead, Fairmont is committed to servicing your policy for its entire life. So when you need to make a claim, find information about your policy, or make adjustments to your coverage, we’ll be there.

Fairmont Insurance

We understand the anguish a loss or a claim can cause, so we go the extra mile to take the weight off your shoulders. Our Claims Specialists make sure your claim, large or small, is handled quickly and efficiently so that you can avoid further losses of assets and time. Our claims staff is professional, courteous, and at your side from the moment you make a claim to its settlement.

And because we carry weight with insurers and claims adjusters thanks to our large volume of business with them, your claim will be settled quickly and fairly. For your convenience, our Claims Department is available extended hours.

But the best time to talk about coverage is before a claim is necessary. The Claims Department is available to talk about claim-related issues. Not sure if you are covered? Is a particular claim worth being reported? Do new circumstances need to be reported? We’re always here to answer your questions.

When insurance carriers audit workers’ compensation or general liability policies at the end of the policy term, being prepared can make all the difference in your premium adjustment. Fairmont knows exactly what the auditors are looking for, and can help you avoid overcharges, which are difficult to undo after the audit is submitted. Our team reviews your payroll records, sales records — anything that the auditor might require — to make sure you will pay the lowest premium for your coverage.

As long as you have the right coverage, your assets, investments, and your time are adequately protected. To make sure you have the coverage you need, we review your existing portfolio upon each policy's renewal with these questions in mind:

The same coverage assessment evaluation is used for our new clients as well. Every quote we offer answers these and other questions, aiming to get you the best coverage at the best price. After all, if all you are getting is the lowest premium, you may not be getting the coverage you need.

  • Are there weaknesses in coverage that leave you and your assets vulnerable?
  • Does your current level of asset protection reflect your current exposure?
  • Are there opportunities to broaden coverage without necessarily increasing your premiums?

Insuring your assets in the event of loss is only part of the picture. Fairmont Insurance is proactive in helping you reduce the risk of loss in the first place. Our risk management consultants help businesses and institutions quantify and measure risk exposure while offering practical recommendations to help build our clients' overall risk strategy.

Our extensive experience in developing and implementing risk management solutions covers the full spectrum from operations to strategic issues, including compliance with corporate governance requirements, risk management in business planning, and developing risk implementation processes.

Clients that have high deductibles or retentions for General Liability or Workers’ Compensation may need to retain a Third Party Administrator (TPA) to administrate their claims. Fairmont has strong working relationships with a number of boutique size firms as well as the nation's largest TPA firms. Our clients benefit from these relationships by receiving reduced pricing and better service.

Email us for a complete list of recommended TPAs.