Markel Insurance Company

Dear [redacted] ***: Our office is in receipt of the complaint submitted by [redacted] *** on behalf of [redacted] *** on April 21, The captioned policy is a New Business Commercial Auto Garage Dealers policy with a term of 2/8/to 2/8/ We wish to clarify that this policy was issued to an [redacted] insured and we followed the cancellation requirements of the State of [redacted] The captioned policy was issued with a total premium due $On March 19, a notice of cancellation was issued with an effective date of April 24, The pro-rata policy cancellation transaction was recently processed in our system and a return premium of $ [redacted] will be issued to the insuredContrary to the insured’s complaint, there is no 25% deduction or cancellation fee associated with the termination of this policyThe amount being retained by the company solely reflects premium associated with days for which Markel provided coverage Upon binding this policy on 2/10/2014, it was clearly communicated that several conditions needed to be satisfied in order for us to provide coverageSpecifically we requested that a completed application for insurance be provided and depending on review of the additional information, we reserved the right to amend or withdraw terms We did not receive a signed application until March 17, Our application includes a section that requires that the spouse and all household members over years of age be listedA review of the signed and completed application revealed that the application was not accurately completedIt did not include the ***’s spouse; nothing was mentioned about the ***, [redacted] ***, having a suspended driver’s license; nor was information provided for [redacted] ***Subsequent to receiving the application, we inquired as to why the [redacted] was not active in the business and why the employees were furnished automobiles and did not receive an explanation until 4/3/Our underwriting guidelines dictate that we receive accurate representation on the application in order to provide coverageFurther providing coverage to an [redacted] with a suspended driver’s license is not in accordance with our underwriting guidelines Since a review of the application submitted revealed the risk failed to meet our underwriting guidelines, we sent out a notice of cancellation, as required by [redacted] code ILCS 5/ Should you have any questions or require additional information, please contact [redacted] at (***) [redacted] ext.***, by e-mail at [redacted] or by mail at the address*** Sincerely, [redacted]

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] I spoke with Markel's audit and collections people today who stated that they show I still owe them the full amount of $and that they did not have any notes or information stating that the account balance should be zeroed outCan you please reopen this complaint for me

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] The offer of payment is acceptable, however I have not received payment yet and I fear this is yet another delay tactic by the company Regards, [redacted]

Please accept this response on behalf of Markel Insurance Company in the above referenced matterMarkel Service, Incorporated (“MSI”) is an affiliate of Markel Insurance CompanyMSI is identified as the servicing entity for Markel Insurance CompanyAn application for workers compensation insurance was submitted to MSI on behalf of Pump It Up Longview with a classification code of (Video Game Room Operation)The insured secured workers compensation insurance through Markel Insurance Company effective 6/20/under policy [redacted] The insured’s policy was renewed under [redacted] and it was determined through a standard audit that classification code (Amusement - Park Or Exhibition Operation & Drivers) was the appropriate classification for the insured’s nature of operationsTherefore payroll was moved to classification code Upon receiving this complaint, MSI’s premium audit manager researched the insured’s concerns and determined there was a breakdown in communication with the insured’s payroll reporting agencyDue to this fact, the insured’s policy is being revised on today’s date and a follow up phone call will be made to explain the revisionThis will result in a zero balance for the insuredMSI hopes this resolves any concerns and respectfully requests that this complaint be dismissed.Thank you for your time in this matter

Dear Ms***:Please accept this response on behalf of Markel Insurance Company in the above referenced matterMarkel Service, Incorporated (“MSI”) is an affiliate of Markel Insurance CompanyMSI is identified as the servicing entity for Markel Insurance CompanyThe insured filed a follow up response with your bureau indicating his business was still receiving billing notices for a balance on its insurance policyI believe there may have been a delay in processing the request, however the matter is now resolvedA review of the insured’s policy was completed and as of today’s date there is a zero balance due on account [redacted] .MSI hopes this resolves any concerns and respectfully requests that this complaint be dismissed.Thank you for your time in this matter

I hired an auto transport company to transport a car for me from [redacted] to **, the company damaged the car & had Markel Insurance Company as an insurance providerThe car had $worth of damage not marked on the inspection reportMyself & the customer went through the necessary steps to initiate an insurance claim May/right after the incident From June to Sept Markel reps were contacted numerous times for the status of the claim & each time said they were working on it or they did not have a status.After months of no progress, Markel reps then got back to me & stated that the insured has not responded to them with their side of the story, so the claim is being closed and there is nothing we can do about the claimI would not recommend doing business with Markel or anyone who is insured by Markel

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The company does not take any responsibility for their lack of support or communication except to place the blame on a new client like me who may not understand their processesAlthough a veteran educator of thirty years, so I am no dummy, their arrogance once again and lack of service is reprehensibleOnce I received their audit paperwork in March, I called their office to find out what I had to doAs they can plainly see, I took action and did what I was supposed to doMy complaint stands but it is evident they do not care and they lady that responded should be fired for her lack of care. My next step will be to write the owners to let them know what losers they have running their company because they do appear to be keen businessmen but not men who lack empathyThis woman did not even check their records other than the obvious. The second part of my complaint is the lack of customer service on their part; ie., alternate routes besides the 9-times for online chat times, one question choices for resetting passwordsShe ignored these itemsShe needs to be fired-she is not doing her job and will lose this company clientsShe is nothing more than a paper pusherI have her name and she will be named in my letter to Anthony and Steven Markel, Thomas G*** and Richard W***She just sluffed off the wrong person
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***.
The offer of payment is acceptable, however I have not received payment yet and I
fear this is yet another delay tactic by the company.
Regards,
*** ***

BEWARE! I paid my policy premium for over years to markel insurance and in that time I never submitted a claimJuring super storm sandy I rode out the storm to protect my vesselMy ft commercial fishing vessel sank in november and markel insurance sent their surveyor down to determine how it sankAfter inspections, Markel insurance stated that my vessel was " UNSEAWORTHY " before it sank, so my policy was "VOID" before my vessel sankThey based their denial of claim on the " UNSEAWORTHY " claus in my policyTheir surveyor found rusted hose clamps in my bilge which they stated made my foot commercial fishing vessel "UNSEAWORTHY"" SEAWORTHY " is a claus in the policy with a very vague defenitionMarkel insurance never returned any of my callsThey only sent me e-mailsMarkel insurance never truly determined how my vessel sank, as a matter of fact, markel insurance asked me how it sankI documented everything that showed what their surveyor stated was suspect, but markel insurance still refused to honor my claimMarkel insurance did not deal with me in good faithAs of this writing I am out $ 45,due to loss of my vessel and I am liable for the hauling, storage and salvage of my vesselTotal loss to me is over $65,Replacement cost for what I lost will cost me over $75,to get back into businessMarkel insurance refused to cover the cost to me of hauling, storage and salvage.It should be noted it took Markel Insurance months and inspection to deny my claimAs for getting a lawyer and suing them, I do not have the funds to replace what I lost and shell out $25,to a lawyer to fight for meMarkel Insurance is very aware of what it costs to fight them, they have lawyers on staff for just this reasonAs of this writing my bills are growing and the hard ship I am going thru is very toughI reported everything to the Revdex.com but they told me to get a lawyerI am asking other state agencys, along with congresman and senators for helpI am not an educated man, most my life I have worked hard with hands and bodyI will try to get someone to help me right this wrong that has been done to meI am in the process to find a lawyer who will take my case on a contigency basesWhatever the lawyer recovers we will split 50/I know in my heart what Markel Insurance did to me was wrong and they should be held responsible for all the costs related to the sinking of my vesselThey also should be held liable for the pain and suffering I am going thruI wish I would of looked at Markel insurances record before I signed with them, I should of spoke to other commercial boat owners alsoMost of the owners I spoke to after my vessel sank have *** insuranceThey all stated *** insurance is a very good companyThat is the company I will go thru if I ever get back into business againI want to thank anyone who read this and please include me in your prayers, it is very tough for me and my family right now

Dear Ms***:Please accept this response on behalf of Markel Insurance Company in the
above referenced matter. Markel Service,
Incorporated (“MSI”) is an affiliate of Markel Insurance Company. MSI is identified as the servicing entity for
Markel Insurance Company.An application for
workers compensation insurance was submitted to MSI on
behalf of *** *** *** *** *** ***. The insured secured workers compensation
insurance through Markel Insurance Company effective 1/11/under policy ***
Upon expiration of a workers compensation policy it is standard procedure
to audit a policy to determine the final audited premium. Audit documents were sent to the insured on
1/5/to complete and return. Attempts
were made to contact the insured regarding the completion of the audit
documents. On 3/31/no documents had
been received by MSI and therefore the audit was deemed noncompliant and the
policy was endorsed with an estimation of payroll.On 4/4/the insured’s completed audit documents were received and the
audit was revised to reflect the insured’s actual payroll. The insured’s policy was endorsed to reflect
the adjustment and documentation regarding this revision was sent to the
insured. On 5/2/a final payment from the insured was received by MSI. As of today’s date the insured has a zero
balance on their *** ***MSI hopes this resolves any concerns and respectfully requests that this
complaint be dismissedThank you for your time in this matter.Sincerely,Lisa ** H*** **

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Dear ** ***Please accept this response on behalf of Markel InsuranceCompany in the above referenced matterMarkel Insurance Company providedCommercial lines coverage to *** *** *** ***The lastMarkel Insurance Company policy terminated on
11/19/It is myunderstanding from speaking with a representative at the *** *** (telephone number ***) in Tennessee that *** *** *** current policy is written through a different insurance company.The accident referenced in the consumer complaint submittedby ** *** occurred on 11/28/2014, subsequent to the expiration of the MarkelInsurance Company policyFor this reason, we recommend that ** *** identifythe *** *** *** *** present insurance company and report the accidentto that carrier.I apologize that ** *** was frustrated in her interactionwith Markel Insurance CompanyIt is our goal to provide good customer service.If you or ** *** need additional information or haveadditional questions please feel free to contact me at telephone number*** or by email at ***.Sincerely,*** ***

Enclosed please find response to claim number ***

Please accept this response on behalf of M*** Insurance Company in the
above referenced matter. M*** Service,
Incorporated (“MSI”) is an affiliate of M*** Insurance Company. MSI is identified as the servicing entity for
M*** Insurance Company.An application for workers
compensation insurance was submitted to MSI on
behalf of *** *** *** *** *** ***. The insured secured workers compensation
insurance through M*** Insurance Company effective 1/11/under policy ***
Upon expiration of a workers compensation policy it is standard procedure
to audit a policy to determine the final audited premium. Audit documents were sent to the insured on
1/5/to complete and return. Attempts
were made to contact the insured regarding the completion of the audit
documents. On 3/31/no documents had
been received by MSI and therefore the audit was deemed noncompliant and the
policy was endorsed with an estimation of payroll.On 4/4/the insured’s completed audit documents were received and the
audit was revised to reflect the insured’s actual payroll. The insured’s policy was endorsed to reflect
the adjustment and documentation regarding this revision was sent to the
insured. On 5/2/a final payment from the insured was received by MSI. As of today’s date the insured has a zero
balance on their *** ***MSI hopes this resolves any concerns and respectfully requests that this
complaint be dismissedThank you for your time in this matter.Sincerely,Lisa ** H*** **

In the last 4 years my husband & I have had 3 policies with Markel, no complaints. So naturally when we bought our new boat I called them & took out boater insurance with a $50 down payment. The next day I decided to check with our auto/home carrier & they were significantly cheaper. I cancelled my policy with Markel at that moment, was informed I would receive a refund. I have yet to receive my refund, 21 days later. I contacted customer service, was told by the customer service supervisor I would not be receiving a refund. The director verified with underwriting I would not be receiving a refund due to their Minimum Earned Premium policy. As a customer I would only be entitled to what I paid over $100. The director also informed me they could "come after the other $50". Like I said this was our 4th policy to have with Markel and this information has never been shared. They have lost a good customer over $50!!

Dear Ms. [redacted]: Please be advised that [redacted], a division
of Markel Service, Incorporated, (herein “[redacted]”) is the servicing entity
for Markel Insurance Company. [redacted] secured workers
compensation insurance through Markel Insurance Company effective 4/1/13 under
policy...

[redacted]. The policy was issued with an estimated premium of
$3165.00. The premium for a workers compensation insurance policy is based off
estimated payroll and upon expiration the insured must submit payroll documents
to determine the final audited premium. A premium audit could result in a
refund or additional premium being owed depending on the outcome. The policy term
for [redacted] was set to expire on 4/1/14 and therefore, on 3/26/14 audit
paperwork was sent to the insured to complete and return to [redacted]. The
insured provided the proper payroll records and an audit was completed on
policy [redacted]. The final audited premium was $3282.00. A billing
statement was sent to the insured regarding the additional premium in the
amount of $117.00 and full payment was received on 6/1/14. Policy [redacted]
has a zero balance. On 1/27/14 a renewal offer was generated and mailed to the
insured for the 2014-2015 coverage period. The renewal quote was accepted by
the insured’s agent and policy [redacted] was issued effective 4/1/14 with
an estimated premium of $7141.00. Payment regarding the estimated premium was
received in full. On 2/4/15 a renewal offer was generated and mailed to the
insured for the 2015-2016 coverage period. [redacted] was set to expire on
4/1/15 and on 3/26/15 audit paperwork was sent to the insured. On 4/2/15
[redacted] received the insured’s payroll records and an audit was completed on
policy [redacted]. The final audited premium was $8291.00. Billing
statements were mailed to the insured regarding the additional $1,150.00 in premium;
however no payment has been received. Late fees totaling $75.00 have been
incurred as result of no payment. Currently Policy [redacted] has a balance
of $1225.00. [redacted] has been in contact with the insured regarding the
outstanding balance on policy [redacted] and possible payment arrangements.
On 3/3/15 the insured informed us that [redacted] was no longer
open and they would not be renewing the policy. The renewal offer for the
2015-2016 coverage period was declined by the insured’s agent and never
automatically renewed. [redacted] has no record of a signed Cancellation Notice
from the insured. No active coverage currently exists through Markel Insurance
Company. [redacted] hopes this resolves any concerns and respectfully requests
that this complaint be dismissed. Thank you for your time in this matter.
Sincerely,

Dear Ms. [redacted]: Please accept this response on behalf of
Markel Insurance Company in the above referenced matter. Markel Service,
Incorporated, (MSI) is the servicing entity for Markel Insurance Company. Duane
Signs secured workers compensation insurance through Markel Insurance...

Company
effective 1/16/14 under policy [redacted]. The policy was issued with an
estimated payroll of $40,000.00 and estimated annual premium of $1,102.00. The
premium for a workers compensation insurance policy is based off estimated
payroll and upon expiration the insured must submit payroll documents to
determine the final audited premium. A premium audit could result in a refund
or additional premium being owed depending on the outcome. The policy term for
[redacted] was set to expire on 1/16/15 and therefore, on 1/10/15 audit
paperwork was sent to the insured to complete and return to [redacted]. No audit
documents were returned and therefore, on 3/20/15 a noncompliant Audit
Explanatory Statement was sent to the insured indicating that the policy would
be endorsed as noncompliant if the completed audit documents were not returned.
No documents were returned and on 4/3/15 the policy was endorsed as noncompliant
with an estimated payroll of $50,000.00 and audited premium of $1293.00. On
10/13/15 the insured returned the completed audit documents and the audit was
completed and endorsed as compliant for policy [redacted]. The insured’s
completed audit paperwork indicated $50,000.00 in payroll; the same payroll
amount estimated on the noncompliant Audit Explanatory Statement. The audited
payroll only included the insured’s wages as the insured had elected to be
included (per his signed application) and did not have any employees. The final
audited premium was $1293.00. A billing statement was sent to the insured
regarding the additional premium in the amount of $191.00 however, no payments
have been received as today’s date. Subsequently, three late fees in the amount
of $25.00 each were assessed on the insured’s account. Policy [redacted]
currently has a balance of $266.00. On 12/22/14 a renewal offer was generated
and mailed to the insured for the 2015-2016 coverage period. The renewal quote
was never accepted and payment was not received. On 1/23/15 and 1/30/15
messages were sent to the agent informing them that no payment had been
received regarding the renewal offer. On 3/2/15 the agent sent a message asking
if the policy could be rewritten. The underwriter was unable to offer the
renewal as too much time had passed since the expiration of policy
[redacted]. No premium or additional charges were assessed regarding the
renewal policy as no renewal policy was ever issued for this insured. The Company
hopes this resolves any concerns and respectfully requests that this complaint
be dismissed. Thank you for your time in this matter. Sincerely, [redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
I spoke with Markel's audit and collections people today who stated that they show I still owe them the full amount of $542.72 and that they did not have any notes or information stating that the account balance should be zeroed out. Can you please reopen this complaint for me.

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted]. The offer of payment is acceptable, however I have not received payment yet and I fear this is yet another...

delay tactic by the company. 
Regards,
[redacted]

I hired an auto transport company to transport a car for me from ** to **, the company damaged the car & had Markel Insurance Company as an insurance provider. The car had $1300 worth of damage not marked on the inspection report. Myself & the customer went through the necessary steps to initiate an insurance claim May/2016 right after the incident. From June to Sept 2016 Markel reps were contacted numerous times for the status of the claim & each time said they were working on it or they did not have a status.After 3 months of no progress, Markel reps then got back to me & stated that the insured has not responded to them with their side of the story, so the claim is being closed and there is nothing we can do about the claim. I would not recommend doing business with Markel or anyone who is insured by Markel.