How ATS Insurance Consultants Works

Intro: At ATS Insurance Consultants, we help individuals and businesses evaluate insurance needs and explore available insurance options through our advisory and brokerage services. Our process is designed to make insurance shopping easier, more transparent, and easier to understand.

Step 1 — Tell Us About Your Needs
Start by contacting ATS Insurance Consultants and providing information about the type of insurance you are seeking. Depending on the requested service, we may ask for information about your property, vehicles, business operations, existing insurance, coverage requirements, claims history, or other relevant information.

Step 2 — Review Your Insurance Needs
We review the information you provide and discuss your coverage needs, priorities, and applicable requirements. Our recommendations are based on the information available to us and the insurance options that may be accessible through applicable markets, carriers, brokers, or other insurance partners.

Step 3 — Explore Available Options
Where applicable, we research and compare available insurance options. Options may vary based on location, eligibility, underwriting requirements, coverage needs, market availability, and other factors. Not every insurance carrier or policy is available for every customer or risk.

Step 4 — Review Your Options
We explain the available options and help you understand differences in coverage, limits, deductibles, exclusions, premiums, and other important policy features, as applicable. You remain responsible for selecting the insurance coverage that best meets your needs.

Step 5 — Application and Underwriting
If you decide to proceed, we may assist with the application and submission process. The applicable insurance carrier may review the application and conduct its own underwriting. A quote or application does not guarantee coverage.

Step 6 — Coverage Confirmation
Coverage becomes effective only when the applicable insurance carrier or authorized party confirms that coverage has been bound or issued in accordance with its procedures. Do not assume that coverage is active solely because an application has been submitted or a quote has been received.

Step 7 — Ongoing Service
After coverage is placed, ATS Insurance Consultants may assist with eligible policy-service requests, questions, renewals, and other insurance-related matters, depending on the services agreed upon with the client.

Important Insurance Notice:
ATS Insurance Consultants, LLC is an insurance advisory and brokerage business. We do not underwrite insurance policies. Insurance policies are issued by the applicable insurance carrier and are subject to the carrier's policy terms, conditions, exclusions, underwriting requirements, and applicable law. The actual insurance policy and related documents control the coverage provided.