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US Risk

8401 North Central Expressway Suite 1000, Dalles, Texas, United States, 75225

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I had setup a GL policy for my business back in January '20. I paid $9601.38 as a down payment and $2758.13 for the first month.. I found a much cheaper policy and cancelled that BS policy they setup on day 32 of coverage.. I had the policy for barley 60days.. They refuse to return any money and said admitted to offering a policy w/ such a high number they didn't actually think Id take it.. This was admitted by the specialist I had been dealing with.. I would NEVER refer US Risk, Northen Investors Group or Focus1 to anyone.. Ive had more BS and runaround from all of them then I have ever had.. NEVER AGAIN.. BEWARE OF U.S. RISK!!!!! They will rip you of!

Desired Outcome

Billing Adjustment Return a % of the $9601.38 I put down for a policy that didn't even make it 60days...

US Risk Response • May 29, 2020

In reference to the complaint case # XXXXXXXX, received from the Revdex.com on May 13, 2020 below is the response from U.S. Risk, LLC.
Based on the information provided in the complaint, our records indicate that the insured's company name is USA Staffing, LLC. The retail agent that USA Staffing, LLC chose to work with on this risk was Erin Gessford with Focus1 Insurance Group. Erin Gessford (Producer) with Focus1 approached U.S. Risk Underwriters with a submission for USA Staffing, LLC on 12/30/2019. This submission was reviewed by our Program Director and additional information was requested from the Producer to be able to prepare a quote in our Agency Management System.
On January 14, 2020 U.S. Risk emailed a quote to the Producer, Erin Gessford to review with her insured USA Staffing, LLC. The quote, included the below information:
Types of coverage
Limits of coverage
Coverage forms list
Annual premium
Policy fee
Oregon mandatory taxes and fees
Commission percentage payable to the Producer (Focus1 Insurance)

The quote also included language stating no flat cancellations and a minimum earned premium of 25%.

On January 14, 2020, Erin with Focus1 Insurance, sent an email to U.S. Risk advising to "bind" coverage effective January 15, 2020 with no mention of insured complaining or having an issue with the premium or fees on the quote. U.S. Risk bound and issued the policy based on this email approval from the Producer.
Based on these facts, the proposed resolution will be for the insured to receive the return funds from the premium finance company. On 1/15/20, US Risk received a Premium Finance Agreement Notice from Northern Investors Company, LLC which advised that this account would be premium financed. US Risk is not involved in this agreement as it is between the Premium Finance Company, the Insured and the Agent. When the file cancelled, all remaining funds were transferred from US Risk to Northern Investors Company who confirmed that after the refund was applied to the outstanding balance any additional funds would be returned to insured.
On March 13, 2020 U.S. Risk received an email from Rachel Petetit of Focus1 Insurance Group containing a signed cancellation request from USA Staffing, LLC, requesting that the coverage be cancelled effective March 15, 2020. On March 17, 2020 U.S. Risk emailed Rachel Petetit the cancellation endorsement with the cancellation date of March 15, 2020 along with the cancellation invoices.
The Producer was not being responsive to the insured, so the insured reached out directly to U.S. Risk. U.S. Risk helped provide the insured with information regarding the policy and cancellation, but also advised the insured to contact with his Producer to review the policy and premium.
In summary, upon review of the USA Staffing account, U.S. Risk, LLC. handled everything timely and in an appropriate ethical manner. U.S. Risk, LLC worked directly with the agent (Focus1) and the agent worked directly with the insured (USA Staffing, LLC). It appears this complaint was inadvertently directed towards U.S. Risk, LLC.
Further correspondence can be directed to:
U.S. Risk
8401 N. Central Expressway, Suite 1000
Dallas, TX XXXXX
214.265.7090
***@usrisk.com

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Address: 8401 North Central Expressway Suite 1000, Dalles, Texas, United States, 75225

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