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  • Home
  • About
  • Insurance Agency E&O
  • Premium Financing
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  • Crime & Fidelity
  • D&O-Directors & Officers
  • EPLI-Employment Practice
  • Get A Quote
  • Make a Payment
  • Contact Us
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Premium Financing for Your Clients

Owner James Makela is a National Premium Finance Broker specializing in insurance financing. For the past 21 years, he has successfully managed one of the leading premium financing companies for commercial insurance in the nation.

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Helping Our Clients Protect Their Hard-Earned Businesses

As insurance agents, our primary job is to provide business owners with peace of mind. We understand that obtaining a strong commercial insurance policy is essential for protection, but it often comes with a hefty price tag. Requesting clients to pay for a full year of insurance all at once can significantly strain their finances. 


That is why we offer insurance financing options like Premium Financing. This simple, budget-friendly solution allows our insureds to save their cash while ensuring they have the coverage they need.

Instead of having your client write one large check for their commercial insurance on day one, a reliable insurance financing company steps in to pay the insurance bill in full, ensuring that their coverage starts immediately. Then, your client simply repays that company with smaller, predictable monthly bills over time, thanks to premium financing options. 


Think of it like buying a brand new car: you don’t need to pay the total cost of the vehicle on the first day; instead, you make affordable monthly payments, similar to how insurance financing works.

Why This Matters for Your Clients:

It Keeps Cash in the Bank: Your clients retain their hard-earned money right where it belongs... in their bank account, ready for everyday needs like payroll, utility bills, or unexpected repairs. With insurance financing options available, they can manage their commercial insurance premiums without straining their finances. No Compromises on Safety: Clients don’t have to cut corners or settle for less coverage just because money is tight. They receive the full protection they need to ensure safety and compliance. We Look Out for Them: By offering premium financing, we demonstrate to our clients that we are not just focused on selling a policy; we genuinely care about their financial comfort and overall well-being.

Premium Finance Program Features:

Finance customers can be notified a total of 5 times with up to 3 live phone calls, which paired with the extra days before cancellation, has been shown to drastically reduce cancellations and the need for reinstatements. 


Finance 100% of your Broker Fees through our tailored insurance financing options. 


Qualified policies require just 15% down, making it easier for clients to manage their premium financing needs. 


Referral Fees are structured so that agencies receive higher compensation compared to other finance companies, and our Profit Sharing Program allows you to earn up to 8% interest on the referral fees you’re already generating. 


Additionally, our Down Payment Program permits down payments to be collected directly from the insured at no extra cost, enhancing your financial efficiency. 


With five touchpoints before cancellation—two live calls (plus a third for accounts $30k and above)—we have proven methods to reduce cancellations, particularly with trucking accounts. 


We offer 30 days before cancellation (20 days for trucking), which is more than most finance companies provide.

Send us your quote details and desired terms, & we’ll provide finance agreements.


Email Us at info@amguardinsurance.com or click below and send us your quote details!

Click Below To Download a Premium Finance Quote Form

Email us your completed Premium Finance Quote Form at info@amguardinsurance.com

Premium Finance Quote Form (pdf)

Download

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  • Home
  • About
  • Insurance Agency E&O
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  • Cyber Liability
  • Crime & Fidelity
  • D&O-Directors & Officers
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  • Get A Quote
  • Make a Payment
  • Contact Us

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