Frequently Asked Questions
Whether you’re exploring coverage options for an MMA gym, construction firm, ex mod solutions, or a staffing agency, we understand that insurance can be complex. Below, you’ll find answers to some of the most common questions we receive at All Risk Advisors. If you don’t see your specific question answered, please feel free to contact us directly for more information.
General Insurance Questions
What types of businesses does All Risk Advisors serve?
We provide coverage for a broad range of industries, including but not limited to MMA gyms, construction companies, staffing agencies, and businesses looking to optimize their experience modification (ex mod) ratings. If you’re unsure whether we cover your specific industry, just reach out—we’re always expanding our offerings.
How can I get a quote for my business?
Simply visit our Get a Quote page, fill out the form with a few details about your business, and one of our advisors will connect with you promptly. You can also call or email us for a more direct consultation.
Do you offer bundle discounts if I purchase multiple types of coverage?
Yes. We often combine general liability, workers’ comp, and additional coverages into a custom package tailored to your risk profile. Bundling can lead to cost savings and make policy management simpler.
MMA Gym Insurance FAQs
Why does an MMA or martial arts gym need specialized coverage?
High-contact sports like MMA increase the likelihood of injuries and potential liability claims. Specialized coverage addresses equipment damage, property liability, and the specific risks inherent in combat sports training environments.
What if I host fight nights or competitions at my gym?
We can add event-specific coverage to protect against spectator or participant injuries, property damage, and related liabilities. Speak with an advisor to ensure you have the right protections in place for special events.
Construction Coverage FAQs
What is builders risk insurance, and do I really need it?
Builders risk insurance protects materials, equipment, and structures while a construction or renovation project is in progress. It’s essential for covering potential losses from theft, fire, vandalism, and certain weather events—and is often required by project owners or lenders.
Can I use the same policy for multiple job sites?
Depending on the scope of each project, you may either have one policy that covers multiple sites or separate policies for each. We’ll review your operations to determine the most cost-effective and comprehensive approach.
Ex Mod Solutions FAQs
How does my Ex Mod rating affect my workers’ comp premiums?
The experience modification (Ex Mod) factor can significantly increase or decrease your workers’ comp costs. If your Ex Mod is greater than 1.0, you’ll pay above the industry average; if it’s lower than 1.0, you’ll pay less. Implementing risk management strategies and safety protocols can help lower your Ex Mod over time.
How long does it take to see results after making improvements to lower my Ex Mod?
Ex Mods usually consider three years of claims data. While you can see some benefits in the near term—especially by reducing claim frequency or severity—it may take 12 to 24 months to fully reflect in your rating.
Staffing Insurance FAQs
Who is responsible for workers’ comp if my placed employee is injured on a client’s site?
Typically, staffing agencies serve as the employer-of-record, which means you’re responsible for providing workers’ comp for employees you place. However, proper contracts and policies can help limit liability when incidents occur at a client’s location.
How do I protect sensitive client data or candidate information?
Cyber liability insurance and commercial crime coverage can both help protect against data breaches, theft, or fraud. We can also assist with best practices for data management and regulatory compliance.
Policy Management & Claims
How do I file a claim?
Filing a claim is straightforward. Once you have your policy details, contact us by phone or email. We’ll guide you through the steps, help you gather documentation, and keep you updated on the claim’s progress.
Can I upgrade or adjust my coverage mid-policy?
Yes, you can usually endorse (amend) your policy at any time. If you add new services, expand your physical location, or face any other operational changes, it’s essential to update your insurance to avoid gaps.
Getting Started & Additional Support
How do I know which coverages I actually need?
An All Risk Advisors specialist will evaluate your business structure, industry regulations, and overall risk exposure. We’ll recommend only the policies that make sense for you—no fluff, no unnecessary extras.
How often should I review my insurance?
We recommend an annual policy review or whenever you experience a significant change in your business (e.g., expansion, new services, increased headcount). Regular reviews ensure your coverage remains up-to-date and cost-effective.
Still Have Questions?
We’re committed to making insurance transparent, straightforward, and effective. If you need more details or have questions not covered here, don’t hesitate to contact us or give us a call at (XXX) XXX-XXXX. Our team of insurance experts is here to help you safeguard your business, so you can focus on what you do best.
