Common Questions

Insurance is a “four letter word.”  At Connor, Alexander and Sullivan Insurance Services, we get that selecting the right coverage can both annoying and overwhelming. You want clarity, confidence, and an advisor who can balance coverage with cost.

On this page, we’ve compiled answers to the questions we hear most often. If you don’t see the answer you’re looking for, our team is here to help. Reach out to us at (415)841-3038 or office@consulinsurance.com and we’ll provide the guidance you need to protect what matters most.

Kevin knows all things commercial:  construction, contractors, restaurant/bars, manufacturing, tech and commercial properties from apartments to stripmalls.  Peter works on your personal insurance, homeowners, cars, boats, personal umbrellas, etc.  

Other Areas we work in:

Misty is your go to for high-net worth individuals

Steve works in the white collar space.

John is all things automotive, from dealerships to auto parts.

Of course, it’s Karla and Maria who hold it all together!

We look at different things, such as your coverage needs, your history, and details about what you want to insure. This helps us set a price that matches your situation. The cost may be different for each person based on these factors.  We’re not fast, we are thorough. 

Depends on the complexity of the risk, which is a fancy way of saying how complicated your situation dictates the time it takes to find and analyze good quotes.  Fastest way is to speak directly with one of us, we tend to be on the phone, belly to belly people.

You will need to share some basic information, such as your name, address, and details about what you want to insure. We may also need some background information to help find the right coverage for you.  The more info we gather early, the cleaner the process.

Yes, we can help you even if you already have insurance with another company. You can compare your current plan with our options, and we can guide you on making any changes or switching if you want.

Making a claim could affect your rates, depending on the type of claim, your history, and other factors. Sometimes, your rates may go up, but not always. Each situation is different, and your personal or business details are taken into account.

If you miss a payment, there may be a short period where you can catch up without losing your coverage. If payments are missed for too long, your insurance could be paused or canceled. Each case depends on your plan and how late the payment is.

Yes, you can usually change your insurance plan after you buy it. You may be able to add or remove coverage, or adjust your plan details. Some changes can be made right away, while others may need to wait until a certain time.

Call us, ASAP.  When you need to make a claim, we guide you through each step. You share the details with us, and we review your situation quickly. We help you understand what’s covered and work to resolve your claim as soon as possible.

Whether you need insurance by law depends on where you live and what type of insurance you are considering. For example, car insurance is often required, while other types may be your choice. Local rules and your situation will decide what you need.