Text us at: 385.351.8000

Agent Procedures


A Complete Submission
A complete submission is defined as a completed application with three to five years of loss runs dated and valued within the last three months of submission. We will accept submissions up to 90 days prior to the inception date. If submission is incomplete, it will be returned to the agent and no action will be taken pending receipt of complete submission. If a subsequent complete submission is received from another agent, that submission will be considered first in for the quote.


Timing of Quote

Once a complete submission is received, our goal is to provide a quote within 72 hours or two weeks prior to the established activation date. We strive to accommodate rush requests of less than 72 hours.

Broker of Record Letters

A valid broker of record (BOR) letter must contain the following elements:

  • On policyholder letterhead
  • Signed by an officer or director of the company
  • Currently dated
  • Effective date of assignment of new agent
  • Letter received and addressed to WCF Insurance – submit to your assigned underwriter
  • A complete submission must accompany the BOR
  • A complete submission is defined as a completed application and company three years currently valued loss runs
  • If a subsequent complete submission is received by WCF Insurance, the submitting agent is advised that a valid BOR letter must be submitted to be the agent of record on the submission.

Calls from Your Clients

We request that your clients be advised to contact the agent directly regarding any policy issues. While we will answer payment-related calls from policyholders, they will be referred to call their agent with all other policy questions. The agent can then contact WCF as appropriate.

Your Servicing Contacts

Small Business Advisors

For policy and underwriting issues relating to your policies under $10,000, the Small Business Advisors team will address all your servicing needs for this segment of business. Your agency is assigned to a specific Small Business Advisor, but all team members are available to assist you. To reach this group call our main number at 385.351.8000. To send in underwriting service requests via email, send to uw@wcf.com or to your assigned Small Business Advisor.

Your Underwriting Contacts

The WCF Insurance Underwriting Department is divided into servicing units with a specific underwriter assigned to your agency. If you do not know the name of the underwriter on a specific account, call our main number and ask to be connected to the underwriter on the policy.

Middle Market

This unit handles policies with premium up to $150,000 including multi-state exposure. Gwen Church manages this unit. Contact Gwen at (385) 743-3020.

Risk Management

This unit handles large accounts with premium over $150,000, including retrospective rating plans, large deductible plans, alternative rating plans, and wrap ups. Patrick Harris is the manager of the unit and he can be contacted at (385) 351-8313.

Multistate (non-Utah) Underwriting Options

This unit works with agents outside of Utah and is managed by Gwen Church.

Agent Councils

Agent Advisory Council
Account Manager Advisory Council

Please contact Laura Stireman at (385) 351-8271 with any questions.




This company was issued a secure rating by the A.M. Best Company, click for additional details

Due to scheduled maintenance, the website may be unavailable daily from 9 p.m. - 1 a.m. MT.  Privacy StatementCCPA Privacy Policy | (800) 446-2667
Copyright 2020 All Rights Reserved