See below Frequently Asked Questions and Answers.

Will you insure a business with apartments attached?
Yes, however, the units cannot exceed 4 and the floors are restricted to 3 stories. 

I own a hospitality business, will you sell directly to my business?
No, we do not sell direct retail, you must go through a Licensed Insurance Producer in your state.

Direct Brokers,  can I submit an application directly to R.C.A.?
Yes, fill out  our application and fax it in. We will send a Broker Agreement after you bind your first  account. The Agreement is on line for your inspection only,  do not print it and send it in. We will send you two copies after we open an account for your agency.

Do I have to be a licensed insurance producer?
Yes, you must  be licensed in the state you are submitting business from. You must have a valid license with property/casualty authority and E+O Insurance.

Applications, is there an R.C.A. application?
Yes, it can be downloaded from this site. Check our Branch Office page to determine which office serves your state.

Acord Application,I already have one filled out, can I use it?
No, we require our app.  Using our app expedites the turnaround time.

Turnaround Time, when can I expect a quote?
We generally need two days in house. We often meet a 24-hour target.

Quotes, how  will you advise me a quote is ready?
We fax quotes  back immediately upon completion.

I faxed an application and want to follow up on it, who do I call?
Call the regional  office servicing your state and ask for the Underwriting Department.  If you already have a quote and have a question, ask for the underwriter that signed your quote.

Workers’ Compensation, is it available?
No

Can I (the broker) underwrite and bind business?
No, all underwriting and binding authority rests with R.C.A. without exception

Inspections, do you inspect the insured?
Yes, an annual inspection is done, beginning with year one.

Social Security  Numbers, why do you require the shareholders SS number?
If the insured has a bad personal credit history we will decline writing a property policy.

Liquor/Dram  Liability coverage, is it available?
Yes, everywhere  we do business we offer this coverage.

Assault &  Battery, is this coverage available?
Yes, for both  CGL and Liquor.

Employment Practices Liability, is this coverage available?
No

Financing, is  it available?
Yes, by a third party.

Admitted or  Non-Admitted, on what basis do you offer policies?
Our program is available on an Admitted basis in almost every state.

Are your carriers  rated?
Yes, A or better,  by A.M. Best.

Premium, how do I pay it?
Agency bill, account current.

Claims, who administers them?
R.C.A. is the  TPA for all claims out of our main office in Clifton, NJ. Call Schyler Kohl in the Clifton, NJ office for all claim questions.

Where should I submit my application?
Refer to the States Available map page and click on the state of interest, it will direct you to the proper regional office.

Do you write Night Clubs ?
No

Do you write business with Entertainment, ie: DJ, Bands and Dancing?
No, even if it is only one night a month we will decline.

The bar has Karaoke on some evenings, is that ok?
Yes

The bar has bouncers, will you write it?
No, it is out of our guidelines with bouncers or security.

Do you write bars with 100% liquor sales?
Yes, but not nightclubs, college bars, disco's or bars with entertainment.

How much business  experience must the owners have?
We require three years experience as a manager or owner.

Do you have a company personnel list by departments?
Yes, see Company Directory.

Do you write Retail Liquor Stores?
No

Do you write property on PC 9 buildings?
No

Do you offer Commercial Auto?
No

Do you offer non-owned or hired Auto?
We offer non-owned but not hired.  Neither is offered in MA.

Brokers kit, do you have one?
Yes, but all the same info and forms are available on this site.

Do you offer a BOP? No. we only offer a CPP.

_{Do you have any marketing materials for my agency?}
No, we do not provide retail marketing materials.