When it comes to securing insurance for valuable assets, the process can often be daunting, especially when faced with multiple roadblocks. Michael Millman, a prominent lawyer from Los Angeles, found himself in a challenging situation when he needed property and liability insurance for two of his apartment buildings. Despite reaching out to over 18 elite insurance brokers, none of them were able to meet his needs—until he turned to Fuller Insurance. Here’s how we helped Michael Millman secure the necessary policies and provided a seamless experience, even when others couldn't.
Michael Millman, who manages multiple properties, was tasked with obtaining insurance for two buildings located in California. Like many property owners, Michael faced difficulties finding insurers willing to underwrite new business in the state due to concerns over the increasing risks from wildfires. Despite contacting over 18 well-established brokers and insurance companies, he encountered resistance. Many of these companies were unwilling to even begin the application process, while others didn’t offer the essential forms or schedules needed to proceed.
At Fuller Insurance, we believe in providing our clients with a simple, efficient, and personalized service. When Michael came to us, we immediately recognized the unique challenges he was facing and set out to offer a streamlined solution.
Instead of using complicated paperwork or pre-printed applications, we provided Michael with a two-page form asking only for the essential information. Our team took the time to assess critical details, such as:
This focused approach allowed us to create a comprehensive insurance profile for both buildings while saving Michael time and frustration.
One key factor in securing the policies was our attention to the specific needs of the properties. Michael’s buildings had been well-maintained and refurbished, with updated plumbing, electrical systems, and new or repaired roofs. Additionally, the properties had no claims history related to water damage, mold, bedbugs, or accidents like slip-and-fall incidents.
Michael’s proactive management of the buildings further played a crucial role in securing the insurance. He took measures to reduce risk, including:
These efforts made a significant difference in the eyes of the insurers, allowing us to present the properties as low-risk and highly maintainable.
After our thorough process and proactive risk management approach, Fuller Insurance was able to secure the necessary property and liability policies for Michael Millman’s two apartment buildings. Unlike the other brokers who couldn’t help, we understood the importance of clear communication, a tailored approach, and a focus on minimizing risk.
Michael was thrilled with the outcome, and in his own words, he expressed his appreciation:
"Fuller Insurance’s team was the only one that not only provided a straightforward process but also gathered all necessary details with efficiency and professionalism. Their approach was proactive, and I’ve had a hassle-free experience."
This successful outcome is a testament to our dedication to going above and beyond for our clients, no matter the challenge.
At Fuller Insurance, we pride ourselves on our ability to simplify complex insurance processes for our clients. Whether you’re dealing with hard-to-place coverage or navigating difficult risk factors, our team is here to help.
If you’re facing challenges with securing insurance for your property or business, don’t hesitate to reach out. Like Michael Millman, you can rely on us to get the job done right.
