Bolt Insurance Agency

Don't recommendCommunication BadThe waiting for response, BADI am their customer for years I they only communicate through emailsThe waiting for response too longSince they are brokers they say, the have to wait for their responseAnd this is not for a claimThis is only for renewalI cant imagine if I have I have a claimI just change to my house, car insurance companyThey responded faster and feel felt more confident about communication with themI don't think they valued a customer

On 08/21/2015, a $payment was received and a commercial package policy was issued for [redacted] by BOLT Insurance Agency At the time of the policy issuance, Ms [redacted] was sent a binder as evidence of coverage On 09/25/15, a duplicate copy of the policy was emailed to Ms [redacted] On 10/30/an email was received requesting information on her billing since it had not yet been received On 11/04/15, Ms [redacted] was made aware that the finance agreement was not submitted to the finance company On 11/05/15, BOLT Insurance Agency received a call from the financing company advising that they were requiring two payments of $ On 11/05/15, Bolt Insurance Agency left a message for Ms [redacted] that payment would be made to keep the policy from cancelling On 11/06/15, Ms [redacted] was transferred to the finance company to make a payment and set up her account On 11/06/15, Ms [redacted] notified BOLT Insurance Agency, via email, that she was unhappy with the handling of the payments on her account On 11/11/15, Ms [redacted] was notified by BOLT Insurance Agency that they were advised by the finance company that additional payment was still needed to keep the policy active On 11/13/15, BOLT Insurance Agency received correspondence from Ms [redacted] that she would handle the details of this account when she returned from vacation On 11/23/15, BOLT Insurance Agency received correspondence from Ms [redacted] that she was still unhappy with the handling of her account On 11/30/2015, Ms [redacted] contacted BOLT Insurance Agency to resolve her billing issues to reinstate her policy From 11/30/15-12/08/15, the policy was reviewed for reinstatement by the carrier On 12/08/15, Ms [redacted] was notified that her policy was reinstated with no lapse in coverage, that she can set up her policy to bill electronically and that all billing will be handled directly through the fiancé company The policy is currently activeBOLT Insurance Agency appreciates the feedback and the opportunity to review our billing process

On 03/31/BOLT Insurance Agency received a telephone call request to cancel the Workers Compensation policy for [redacted] A written request to cancel was sent to the named insured that day, with a request for signature When the written request to cancel was returned on 04/01/it was submitted to the carrier, and a flat cancellation was processed per the insured's request On 04/11/the carrier conducted a payroll audit of the past term on the Workers Compensation policy, which is an annual practice for all Workers Compensation policiesDuring the audit it was determined that one owner of the LLC had elected to be covered, and the payroll exposure for that owner was addedThis resulted in a back charge for the unreported payroll exposure in the amount of $ On 07/07/a manager from BOLT Insurance Agency received the audit dispute from the named insured and reviewed the fileBOLT Insurance Agency determined that the unreported payroll was not a fault of the LLC, and has waived any past due premium amounts [redacted] * [redacted] owe no additional money to the carrier or Agency, and the policy remains cancelled

On 02/01/ a business owners policy for Mr [redacted] was issued by BOLT Insurance Agency At the time of sale BOLT Insurance Agency confirmed that the policy included a $deductible for business personal property per Mr [redacted] requestThe policy issued by National Fire Insurance (CNA) had an exclusion for windstorm coverageAt the policy renewal effective 02/01/ [redacted] (CNA) relaxed their policy terms in the state of MA, offering windstorm coverage with a $10,deductible at no extra charge On 04/13/Mr [redacted] reported a claim which involved damage to his front doorIt was determined by the claims adjustor working for CNA that the damage was due to a windstorm and therefore the $10,dedutcible would applyAt the time Mr [redacted] disputed that the damage was from a windstorm and requested the decision be reviewedBOLT Insurance Agency spoke with both the claims adjuster and underwriter but we were unsuccessful in getting the carrier to reverse their decision on the damage being due to a stormSince the damage fell under the deductible limit under the windstorm coverage, the claim was denied In BOLT Insurance Agency's communication with Mr [redacted] at no time did we receive a request to amend or alter this added windstorm coverageYour policy documents were mailed to you by [redacted] (CNA) on 01/31/2011, 12/18/2011, 12/18/2012, 12/18/ and 12/18/

Website Complaint Response: On 09/01/a General Liability policy was issued for [redacted] by BOLT Insurance AgencyCoverage was contingent on the insured passing an inspection by the insurance companyOn 01/06/the insured received the inspection report which cited a request for more information on the insured location, as well as for State licensing to be providedOn 02/04/Mrs [redacted] received a second request to comply with the inspection requirements in order to maintain active coverageThe first and second notice for underwriting information were never answeredOn 03/14/coverage was cancelled, notice was sent to the insured citing “failure to provide underwriting information” as the reason for cancellationOn 04/08/a service representative from BOLT Insurance Agency spoke with Mr [redacted] and discussed the cancellationMr [redacted] was asked to provide the requested underwriting information in order to have the policy reviewed for reinstatementOn 04/14/Mr [redacted] advised BOLT Insurance Agency they would be unable to comply with the inspection requirementsOn 04/16/BOLT Insurance Agency received notice from the carrier that the reinstatement request was denied, as inspection requirements were not metA manager from BOLT Insurance Agency reached out to Mrand Mrs [redacted] to explain the decision and offer a rewrite of coverage once the business can comply with carrier requirementsAt this time Mr [redacted] was charged for coverage from 09/01/2013-03/14/2014, a refund check in the amount of $was issued to the insured on 03/08/ 4/21/9:54:AM

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is narrowly satisfactory to meThe email from BOLT somehow negates the fact that BOLT was responsible for the error that put my policy in danger of being canceled in the first place I had to call several times over several days to resolve the issue even though it was not my fault that the policy was overdue rather it was the error of one of BOLT's employees It would have alleviated a lot of stress for me if BOLT would have just resolved the issue between themselves, the finance company and the actual insurance agency rather than have me be stuck in the middle making several frustrating phone calls to the three different entities managing this policy.I will not be continuing my relationship with BOLT once my term is up While there is a small handful of good employees there who were willing to help (after I had to get very angry and frustrated over the phone), my overall experience with BOLT was poor and I will be happy to find another insurance agent who practices outstanding customer service and takes responsibility for their errors in the near future Sincerely, [redacted]

The General Liability policy Mr& Mrs*** are disputing is a direct bill policyAny refund or returned premium decisions are made by the carrier, *** *** *** *** directlyAt this time because coverage was in force and active for the time period 09/01/through 03/14/a full refund cannot be issuedAs Mr& Mrs*** Agency, BOLT Insurance Agency did try and negotiate the policy to be either reinstated or rewritten to provide coverageOur requests were declined by the carrier as currently Mr& Mrs***' business cannot provide the required information in regards to the insured location and a valid *** license with the State of ***
The reason for cancellation was failure to comply with underwriting guidelines, more specifically with concerns raised during the inspection of the property and businessNotices were sent to Mr& Mrs*** on both the inspection and the cancellation dates, we have attached those notices for referenceThe inspection requirements required action by the insured and were not issues that BOLT Insurance Agency could rectify without action taken by Mr& Mrs***
At this time, an offer to rewrite coverage once the required State licensing has been secured has been extended to Mr& Mrs***BOLT Insurance Agency did also confirm that Mr& Mrs*** received their refund for the unused premium on the General Liability policyA member of BOLT Insurance Agency management has reached out directly to Mr*** and explained that a full refund cannot be issued, as coverage was in force for several months prior to cancellation

Complaint: ***
I am rejecting this response because: due the fact this is a scam to take money for service not providedWhy did bolt insurance wait after six month s of payments to discuss underwriting problemsThe insurace agent said no problem when he came to our home in august, state license never discuss at that timeThis company is fraudlent do to the neglect to follow throughWe have no pond on our property,this is what bolt told us why cancelledWe paid this company about $total in six months so we according to their records never had their insurances coverage from sept to cancellation march full refund in needed for this insurace scam
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is narrowly satisfactory to meThe email from BOLT somehow negates the fact that BOLT was responsible for the error that put my policy in danger of being canceled in the first place I had to call several times over several days to resolve the issue even though it was not my fault that the policy was overdue rather it was the error of one of BOLT's employees It would have alleviated a lot of stress for me if BOLT would have just resolved the issue between themselves, the finance company and the actual insurance agency rather than have me be stuck in the middle making several frustrating phone calls to the three different entities managing this policyI will not be continuing my relationship with BOLT once my term is up While there is a small handful of good employees there who were willing to help (after I had to get very angry and frustrated over the phone), my overall experience with BOLT was poor and I will be happy to find another insurance agent who practices outstanding customer service and takes responsibility for their errors in the near future
Sincerely,
*** ***

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On 02/01/
a business owners policy for Mr*** was issued by BOLT Insurance Agency
At the time of sale BOLT Insurance Agency confirmed that the policy included a
$deductible for business personal property per Mr*** requestThe
policy issued by National Fire Insurance (CNA) had an exclusion for windstorm
coverageAt the policy renewal effective 02/01/*** *** *** ** *** (CNA) relaxed their policy terms in the state of MA, offering
windstorm coverage with a $10,deductible at no extra chargeOn
04/13/Mr*** reported a claim which involved damage to his front
doorIt was determined by the claims adjustor working for CNA that the damage
was due to a windstorm and therefore the $10,dedutcible would applyAt the
time Mr*** disputed that the damage was from a windstorm and requested
the decision be reviewedBOLT Insurance Agency spoke with both the claims
adjuster and underwriter but we were unsuccessful in getting the carrier to
reverse their decision on the damage being due to a stormSince the damage
fell under the deductible limit under the windstorm coverage, the claim was
deniedIn BOLT
Insurance Agency's communication with Mr*** at no time did we receive a request to amend or alter this added
windstorm coverageYour policy documents were mailed to you by *** *** *** ** ***(CNA) on 01/31/2011, 12/18/2011, 12/18/2012, 12/18/
and 12/18/

On 08/21/2015, a $payment
was received and a commercial package policy was issued for *** *** by
BOLT
Insurance Agency. At the time of the policy issuance, Ms*** was
sent a binder as evidence of coverage. On 09/25/15, a duplicate copy of
the policy was emailed to Ms***. On 10/30/an email was received
requesting information on her billing since it had not yet been received.
On 11/04/15, Ms*** was made aware that the finance agreement was not
submitted to the finance company. On 11/05/15, BOLT Insurance Agency
received a call from the financing company advising that they were requiring
two payments of $153.96. On 11/05/15, Bolt Insurance Agency left a
message for Ms*** that payment would be made to keep the policy from
cancelling. On 11/06/15, Ms*** was transferred to the finance
company to make a payment and set up her account. On 11/06/15, Ms***
notified BOLT Insurance Agency, via email, that she was unhappy with the
handling of the payments on her account. On 11/11/15, Ms*** was
notified by BOLT Insurance Agency that they were advised by the finance company
that additional payment was still needed to keep the policy active. On
11/13/15, BOLT Insurance Agency received correspondence from Ms*** that
she would handle the details of this account when she returned from
vacation. On 11/23/15, BOLT Insurance Agency received correspondence from
Ms*** that she was still unhappy with the handling of her account.
On 11/30/2015, Ms*** contacted BOLT Insurance Agency to resolve her
billing issues to reinstate her policy. From 11/30/15-12/08/15, the
policy was reviewed for reinstatement by the carrier. On 12/08/15, Ms
*** was notified that her policy was reinstated with no lapse in coverage,
that she can set up her policy to bill electronically and that all billing will
be handled directly through the fiancé company. The policy is
currently activeBOLT Insurance Agency appreciates the feedback and the opportunity to review our billing process

On 08/21/2015, a $333.95 payment
was received and a commercial package policy was issued for [redacted] by
BOLT Insurance Agency.  At the time of the policy issuance, Ms. [redacted] was
sent a binder as evidence of coverage.  On 09/25/15, a duplicate copy of
the policy was emailed...

to Ms. [redacted].  On 10/30/15 an email was received
requesting information on her billing since it had not yet been received. 
On 11/04/15, Ms. [redacted] was made aware that the finance agreement was not
submitted to the finance company.  On 11/05/15, BOLT Insurance Agency
received a call from the financing company advising that they were requiring
two payments of $153.96.  On 11/05/15, Bolt Insurance Agency left a
message for Ms. [redacted] that payment would be made to keep the policy from
cancelling.  On 11/06/15, Ms. [redacted] was transferred to the finance
company to make a payment and set up her account.  On 11/06/15, Ms. [redacted]
notified BOLT Insurance Agency, via email, that she was unhappy with the
handling of the payments on her account.  On 11/11/15, Ms. [redacted] was
notified by BOLT Insurance Agency that they were advised by the finance company
that additional payment was still needed to keep the policy active.  On
11/13/15, BOLT Insurance Agency received correspondence from Ms. [redacted] that
she would handle the details of this account when she returned from
vacation.  On 11/23/15, BOLT Insurance Agency received correspondence from
Ms. [redacted] that she was still unhappy with the handling of her account. 
On 11/30/2015, Ms. [redacted] contacted BOLT Insurance Agency to resolve her
billing issues to reinstate her policy.  From 11/30/15-12/08/15, the
policy was reviewed for reinstatement by the carrier.  On 12/08/15, Ms.
[redacted] was notified that her policy was reinstated with no lapse in coverage,
that she can set up her policy to bill electronically and that all billing will
be handled directly through the fiancé company.  The policy is
currently active. BOLT Insurance Agency appreciates the feedback and the opportunity to review our billing process.

A Manager from BOLT Insurance Agency reached out to [redacted] in regards to the cancellation notice and additional charges she was being billed for. Our Agency has corrected with the Insurance Carrier any outstanding fee issues, and have confirmed any past due notices will be declared null and void....

All the policies for Kincare Healthcare Services LLC are currently in good standing, and there are no outstanding fee or premium charge disputes.

Complaint: [redacted]
I am rejecting this response because:this information is a fraud! We were never contacted about our "failure to provide underwriting information"!
 The insurance agent and company are responible for all and any underwriting the policyholder not. In six months time we paid premium we never received any noti     sces on anything! This is a scam to take peoples money an not provide service.  Their agent came one time to house never inspected anything made me sign paperwork never gave me a copy and was only here long enough to file out paperwork didnot look at any property? Agent told me I would receive copy of paperwork in few weeks company behind in processing. Fraud answer cause we never paperwork. My huband called several times requesting policy got run around never  received. Six months later with no policy and full premium paid we get cancelation notce due to pond on property we dont have one and never did. We feel this is all a scam and not our fault please get full refund for this inconvenience now we dont have any insurance.
Sincerely,
[redacted]

Don't recommend. Communication Bad. The waiting for response, BAD. I am their customer for 3 years I they only communicate through emails. The waiting for response too long. Since they are brokers they say, the have to wait for their response. And this is not for a claim. This is only for renewal. I cant imagine if I have I have a claim. I just change to my house, car insurance company. They responded faster and feel felt more confident about communication with them. I don't think they valued a customer.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is narrowly satisfactory to me. The email from BOLT somehow negates the fact that BOLT was responsible for the error that put my policy in danger of being canceled in the first place.  I had to call several times over several days to resolve the issue even though it was not my fault that the policy was overdue rather it was the error of one of BOLT's employees.  It would have alleviated a lot of stress for me if BOLT would have just resolved the issue between themselves, the finance company and the actual insurance agency rather than have me be stuck in the middle making several frustrating phone calls to the three different entities managing this policy.I will not be continuing my relationship with BOLT once my term is up.  While there is a small handful of good employees there who were willing to help (after I had to get very angry and frustrated over  the phone), my overall experience with BOLT was poor and I will be happy to find another insurance agent who practices outstanding customer service and takes responsibility for their errors in the near future.
Sincerely,
[redacted]

On 02/01/2011
a business owners policy for Mr. [redacted] was issued by BOLT Insurance Agency.
At the time of sale BOLT Insurance Agency confirmed that the policy included a
$500 deductible for business personal property per Mr. [redacted] request. The
policy issued by National Fire...

Insurance (CNA) had an exclusion for windstorm
coverage. At the policy renewal effective 02/01/2012 [redacted] (CNA) relaxed their policy terms in the state of MA, offering
windstorm coverage with a $10,000 deductible at no extra charge.
On
04/13/2015 Mr. [redacted] reported a claim which involved damage to his front
door. It was determined by the claims adjustor working for CNA that the damage
was due to a windstorm and therefore the $10,000 dedutcible would apply. At the
time Mr. [redacted] disputed that the damage was from a windstorm and requested
the decision be reviewed. BOLT Insurance Agency spoke with both the claims
adjuster and underwriter but we were unsuccessful in getting the carrier to
reverse their decision on the damage being due to a storm. Since the damage
fell under the deductible limit under the windstorm coverage, the claim was
denied.
In BOLT
Insurance Agency's communication with Mr. [redacted] at no time did we receive a request to amend or alter this added
windstorm coverage. Your policy documents were mailed to you by [redacted](CNA) on 01/31/2011, 12/18/2011, 12/18/2012, 12/18/2013
and 12/18/2014.

On
03/31/2014 BOLT Insurance Agency received a telephone call request to cancel
the Workers Compensation policy for [redacted]. A written...

request to
cancel was sent to the named insured that day, with a request for signature.
When the written request to cancel was returned on 04/01/2014 it was submitted
to the carrier, and a flat cancellation was processed per the insured's
request.
On
04/11/2014 the carrier conducted a payroll audit of the past term on the
Workers Compensation policy, which is an annual practice for all Workers
Compensation policies. During the audit it was determined that one owner of the
LLC had elected to be covered, and the payroll exposure for that owner was
added. This resulted in a back charge for the unreported payroll exposure in
the amount of $263.00.
On
07/07/2014 a manager from BOLT Insurance Agency received the audit dispute from
the named insured and reviewed the file. BOLT Insurance Agency determined that
the unreported payroll was not a fault of the LLC, and has waived any past due
premium amounts. [redacted] owe no additional money to the carrier or
Agency, and the policy remains cancelled.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]