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What is a minimum premium?

A minimum premium is the minimum amount required by the insurance carrier to bind coverage. If your rate calculations fall below the minimum, you must pay the minimum premium stated on the application. Minimum premiums are fully earned upon policy inception and are not refundable. Pro-rata refunds will be issued upon cancellation for any amount above the minimum premium.

Are tournaments covered under the Martial Arts and Dance Studio policies?

Yes, tournaments are covered under the Martial Arts and Dance Studio policies if the participants of the tournament are the same as the participants stated on the enrollment form. If the tournament is for outside participants (anyone who wants to participate), then there is no accident/medical coverage in place. In order to cover outside participants, a special events accident policy for the tournament may be purchased. Liability coverage remains in place.

Can I purchase the liability coverage without the accident coverage?

No, an accident medical policy of at least $25,000 is required in order to purchase a participant liability policy. The accident policy is the first to respond and pays the medical bills of the injured party.
No accident policy is required in order to purchase a spectator liability policy, such as Special Events or Wedding Insurance.

What If I need my policy to run longer than what’s stated in the brochure?

We can endorse your policy to change the expiration date. Additional premium may be required, as follows:
To convert a seasonal policy to an annual policy:
1. Divide the per participant rate by the number of months
indicated on the application for the sport.
2. Multiply that number by 12
3. Use this rate for your participant rate when calculating your premium to reflect an annual policy term.
Call us @ (800) 318-7709 for additional assistance if you have concerns or questions

How can I get a quote?

Through our online website is one way, click here

Are we covered if we travel to another state or outside the U.S.?

Yes, your coverage is worldwide. However, claims or lawsuits must be brought into the U.S. in order to be submitted.

How do I cancel my policy? Will I be refunded?

You may cancel your policy by sending a request in writing via e-mail, fax or mail. Please be sure to include the name of Policyholder and certificate number. NOTE: Minimum premiums are fully earned at inception of the policy. Anything above the stated minimum premium may be pro-rated for a refund.

How can I check the status of my accident claim?

All claims are handled by the claims office. Call the number listed on your claim form for additional assistance. We cannot adjust claims in our office and do not have copies of your claim due to Privacy laws.

Where can I send in my claims to?

Accident claims can be submitted to the address on the Claim Form for your policy. See the claim form for details. Liability claims can be submitted directly to our office via fax or email. Please make sure to include contact information, Policyholder name, certificate number, and any other information needed to submit your claim to the insurance carrier.

Can I purchase the liability coverage without the accident coverage?

No, an accident medical policy of at least $25,000 is required in order to purchase a participant liability policy. The accident policy is the first to respond and pays the medical bills of the injured party.
No accident policy is required in order to purchase a spectator liability policy, such as Special Events or Wedding Insurance.

Are tournaments covered under the Martial Arts and Dance Studio policies?

Yes, tournaments are covered under the Martial Arts and Dance Studio policies if the participants of the tournament are the same as the participants stated on the enrollment form. If the tournament is for outside participants (anyone who wants to participate), then there is no accident/medical coverage in place. In order to cover outside participants, a special events accident policy for the tournament may be purchased. Liability coverage remains in place.

What is a minimum premium?

A minimum premium is the minimum amount required by the insurance carrier to bind coverage. If your rate calculations fall below the minimum, you must pay the minimum premium stated on the application. Minimum premiums are fully earned upon policy inception and are not refundable. Pro-rata refunds will be issued upon cancellation for any amount above the minimum premium.

Can you issue a policy outside of the United States?

We are unable to provide a policy outside of the 50 U.S. states.

How long before I receive my policy?

Coverage is bound once we receive and approve your completed application and full payment. Proof of coverage (Certificate of Insurance) can be rushed if requested with an expediting fee, but typically your Proof of Coverage will be delivered by email or fax within 48 – 72 hours from receipt of your application. A complete policy with policy benefits, limitations and exclusions will be emailed or mailed within two weeks.

How can I change my dates, limits, name, address or add participants to my existing policy?

All request for change must be requested in writing, dated and signed. You can e-mail, fax or mail your request. Please make sure to include the name of the Policyholder, your policy number, certificate number, and specific details as to what needs to be changed on your policy. We will review your request and respond as quickly as possible.

I need to add an additional insured to my policy, how do I get this done?

You can use the Certificate Request form on our website. In order to add an additional insured to your policy, we need your request in writing. Fill in the form completely so there is no delay responding to your request. You may send this to us via e-mail, fax or mail.
Certificate requests take a minimum of 48 to 72 hours to review and issue. If your request is urgent, there is a $25 expediting fee for overnight service.

Which address can I overnight a check to?

Please send all overnight checks to our street address at Westpoint Insurance, 5625 West 79th Street, Burbank, IL 60459. P. O. Boxes will not accept overnight mail delivery.

Why do I need to fill out new applications to renew if my numbers are the same as last year?

The policies are not guaranteed renewable. To renew your policy we are required to gather current risk information every year by our insurance carriers.

How do I renew my policy?

In order to renew your policy, we need your completed and signed application along with the full premium. You may fax, email, or mail your applications in to us. We can also help you fill out your renewal by phone.

Can I pay off my finance schedule early?

Yes you can pay your finance schedule early.

How do I make my finance payment and am I going to be charged a fee for paying it online?

You can make your finance payment either by sending in a check or giving us your credit card information. You may submit your credit card information online through our website with no additional fee; Checks can be mailed to the P.O. Box on your finance contract.