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| Can I apply for coverage over the phone? |
| Unfortunately, we are not able to accept your enrollment information over the phone at this time. You can apply for coverage on-line or by completing an enrollment form and submitting it to K&K via e-mail, fax or mail. |
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| I need to receive a quote from your company, how do I do this? |
| This program does not offer quotes, as the rates are provided for you within this brochure. Simply complete the premium calculation to determine your annual premium and then remit your completed enrollment form with payment to begin coverage. Please note, we cannot bind coverage until the day after we receive both your completed enrollment form and the appropriate payment. |
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| How soon does coverage start? When will we receive proof of coverage? |
| Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates. |
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| What are certificate requests? How do I complete this section on the enrollment form? |
| A certificate is a document prepared by K&K providing you evidence of insurance. You will automatically receive a certificate providing proof of coverage once coverage is bound. |
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| What does claims made policy mean? |
| This policy covers only claims actually made or incidents reported against the insured while policy remains in effect, or any applicable extended reporting period. All coverage under the policy ceases upon the termination date, except for the automatic extended report period coverage, unless the insured purchases additional extended reporting coverage. |
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| What is the automatic extended reporting period? |
| The automatic extended reporting period is sixty (60) days from the termination or expiration date of the policy. The additional extended reporting period, if purchased, may be up to three (3) years. |
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| What type of changes do I need to report to the company? |
| A change in location, mailing address or the addition of any new operations all need to be reported to the company as these types of changes could have an impact on your current coverage. |
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| Who is an individual insured under directors & officers coverage? |
| Directors, trustees, officers, employees, committee members, or volunteers of the organization. |
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