As the founder and Principal of Pacific Crest, I want to be the first to welcome you to the Alliance. This is the start of your journey towards building a very successful business in the independent insurance industry. I am honored in your new-found trust in choosing us as your partner.
As your independent business partner, the Pacific Crest team is at your fingertips to help you transition and pave the path to success. We are eager to work together with you and look forward to helping you grow your agency. Please read through this welcome kit to understand our on-boarding procedures, our operational processes, and the resources that are available to you.
Shawn G. Webb / Principal
Step 1 - Agency introduction
During this step, we would like to get to know you and your agency needs. We will ask you for several pieces of information such as the number of staff you have, the agencies location, how long it’s been in business, and what your overall goals are that you would like to achieve.
Step 2 - e&0 Policy compliance
You will work with Priscilla Morales to complete this step. We cannot take the next steps of giving you access to any Pacific Crest systems or carriers until this step is complete.
Step 3 - Pacific Crest email Account
We will provide you with a Pacific Crest email account. Check this account daily as this is our main form of communication with you, and this is also where you will find all updates on carrier appointments.
Step 4 - agency documentation (Carrier appointments, payroll, licenses, business plan, affiliation fee authorization form)
You will receive all updates and required documents via email. This is a large packet, if you have any questions at all over the paperwork please contact Pacific Crest. When you receive these applications, please be as thorough as possible. Sign and date each form in the respective field. These applications are sent to the carriers, to ensure expedited approval, we want them to be as accurate as possible.
Step 5 - COmplete Payroll documents (Direct deposit, w9, & Voided check)
These forms are required to pay you your earned commissions. Please be sure all forms match in terms of name and SSN vs EIN. Do not hesitate to ask any necessary questions you may have in regards to these documents.
Step 6 - Submit all p&C licenses to Pacific Crest
Your P&C, Life, and Agency licenses (if applicable) will be required for all the states you operate in.
Step 7 - Submit BUsiness/marketing plan
Certain carriers will not accept an application without a business/marketing plan. Please make this a priority. You were sent a template with your carrier applications for review. If you need any help completing this plan, please let us know.
Step 8 - Complete State Department of Insurance affiliation fee authorization form
This is required to grant you authority under Pacific Crest in your state. Carrier appointments cannot be submitted until this is done.
Pacific Crest Alliance On-boarding Team
As the Agency Development Director I would like to welcome you to the Pacific Crest team. I will be your primary point of contact as your liaison. Its my job to make sure your on-boarding process goes as smooth as possible. Do not hesitate to reach out to me if you feel the need.
This is everyone who will be involved with your on-boarding process. Included is their contact information. Please feel free to reach out as you have questions about the process. Call the office at (208) 938-4197 and ask for a specific team member to talk on the phone.
E & O Coverage
At Pacific Crest Insurance, we require all of our agents to acquire E & O coverage. This not only protects our alliance, but you as the agent. Below are the expectations and requirements we ask of you as a Pacific Crest Independent Insurance agent, regarding E & O coverage.
Policy approval from Pacific Crest home office.
Minimum limits on an Agents policy should at least be $1MM/$1MM and may need to be reviewed and increased from time to time to account for additional exposure.
We do not recommend Agents get a deducible over $5000.
Pacific Crest Services, Inc. will need to be added as an additional insured to Agents policies for all vicarious exposure performed by Agent.
Prior acts coverage is required, if applicable.
Agent will need to provide proof of coverage for all licensed 1099 contractors and employees for the scope of work performed as an affiliate of Pacific Crest.
Pacific Crest does not provide Errors and Omission coverage under a master policy.
Pacific Crest should be immediately notified if your policy is pending cancellation or has been cancelled.
If you have any questions regarding your E & O coverage, please reach out to Priscilla Morales at, firstname.lastname@example.org
When To Notify Pacific Crest Of Agency Updates
Please notify Pacific Crest with any updates within your agency.
We require notification on the following changes:
Resident address change.
Office address change.
Change to your entity name.
Staffing changes that would include the addition or removal of any administrative staff, CSR’s, or Producers.
If you get licensed to write in a new state.
Any possible E&O claim activity.
New P&C appointments not provided by Pacific Crest.
Vacations, extended leaves of absence.
Updated credit card information for monthly fees.
Updated banking information for commission direct deposits.
Please send any change notifications to: email@example.com
Commission & Fee Details
Payments and Fees
Pacific Crest Fees are due on the first billable day of each month. When you signed your contract, you provided a credit or debit card to pay your monthly fees. If your payment does not process, you will be given notice sent via email to your Pacific Crest account. You will have 3 business days to remit payment to Pacific Crest or you could face suspension of your agreement.
Commissions are paid twice per month, on the 5th and on the 20th.
Your first commission payment will be issued as a paper check. Going forward they will be directly deposited into the account you set up.
Commissions will typically be paid 30 - 45 days after the effective date of the policy (some carriers may pay commissions on premium as earned).
You can always change the account on file for commission direct deposits.
There is a payroll processing fee of $4.50 on each check. This fee is assessed from our payroll provider.
Commission checks under $50 are not disbursed. The balance will roll on to your next check and will be disbursed when the balance is over $50.
If you have any questions or concerns related to your commission statements, email inquiries to firstname.lastname@example.org.
Pacific Crest Commercial University
Are you ready to expand your practice into Commercial Lines?
We are excited to offer an industry leading program: Pacific Crest Commercial University. This Virtual University presents training on a wide range of commercial topics that include:
Once you complete the Pacific Crest Commercial University, you will be armed with the tools, knowledge, and resources to partner with a wide range of commercial clients to manage their risks.The University program will be offered 2-3 times per year. Class size will be limited to 10-15 agents per session (on an acceptance basis) to ensure that each agent receives extensive training. Our sessions will include knowledgeable guest instructors drawn from Pacific Crest leadership, agents, carrier partners, and industry experts. Benefits of the University include CE credits for course work, as well as the chance to work with a commercial lines mentor. Pacific Crest Commercial University enrollment is valued over $10,000! We are proud to offer this program at absolutely no cost to you. If you are interested in learning more about Pacific Crest Commercial University, please send inquires to Mike Willits at, email@example.com.