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We will send an invoice with renewal instructions at least 90 days prior to your renewal date. You may renew your policy online by logging into your account and following all requested prompts. Renewal applications are also available on each Covered Profession Page. Scroll through the page to "Additional Resources" to find renewal applications.

Yes, depending on your profession and other factors, there may be additional discounts for which you may be eligible. Such discounts may include new graduate discounts, new policyholder discounts, and discounts for completing risk management courses (just to name a few). For more information see FAQs for your particular profession. (Not all coverage options are eligible for discounts.)

Yes, we offer free risk management consultations with no appointment required.

No. There is no limit on the number of claims that can be filed, however, there is a limit on the amount of insurance that is available. That amount depends on what you choose, however, the most common limits of liability are $1M per occurrence and $3M aggregate. In this example, $3M is the maximum amount of money the insurance company will pay in a single policy year regardless of how many claims are reported.

Yes, you can add additional insureds to your policy, such as landlords, employers, or subcontractors, depending on your coverage needs. (Not available on student policies.)

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Any information related to costs, premiums, or coverage provided before receiving an official customer quote from American Professional Agency, Inc. is merely an estimate and not guaranteed. Actual cost, premium, and coverage are dependent upon various unique factors associated with each individual risk. Customer quotes are contingent upon the information supplied and are subject to underwriting and rating evaluations. Until a formal quote is issued, all content on the website, email communications, or in advertisements should be viewed solely as examples for informational purposes, lacking any offer or guarantee of premium or coverage. Additionally, the coverage terms and conditions are dictated by the specific policy issued, and any explanatory information provided does not in any way alter the terms of the policy or confirm the existence of coverage.

2025 American Professional Agency, Inc.