Craig Daugard Insurance Brokers reviews

Poor customer service and follow through

We have been a customer of Daugard for several years and have never had any issues until last year when we had a claim (our first one ever) against one of our construction jobs (a fire). At the recommendation of Daugard we had switched insurance carriers Jan 2014. The construction contract was signed in late 2013 and the fire occurred in early 2014...so the claim was denied by both insurance agencies indicating that it did not fall within the insurance coverage time period. Kind of a pickle since we believed that our insurance broker made sure we were fully insured during the transition. What construction project doesn't go on for months and have the possibility of spanning a change in insurance provider? When a broker ensures that you have full coverage (as they advertise that they have been doing construction insurance for over 30 years)you tend to believe that to be the case. Apparently it was not the case for our small family owned company. While we understand that brokers are not responsible for "defending" us regarding insurance claims we do expect that as a full service broker and claims processing companying that they would advocate for our us and clearly explain to us that by switching insurance companies we run the risk of being uninsured for any job that we started prior to the switch in policy. Additionally, when we requested to have copies of both insurance policies since we were obviously on our own on this one Bonnie Stewart, a claim supervisor, ignored our requests and failed to respond to not only the initial request but follow up emails as well. Even when we emailed a manager we received no response. The customer service has been horrendous with no efforts to reach out and support us on this effort. We are now being asked to pay over $13,000 or taken to court if we don't pay because of this non-coverage. What good do insurance premiums do if you have no coverage? Extremely disappointed with Craig Daugard Insurance Brokers and the employees that we have dealt with trying to get this issue resolved.