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      Phone Number(s):

      • Customer Service: 800-255-0332
      • You can chat with a Foremost Team Member during business hours. Click on “Chat with an Expert,” on the bottom right corner of the home page.

       

      Email(s):

       

      Customer Service Hours of Operation:

      • Monday to Friday, 8:00 AM to 6:00 PM (All time zones) 

       

      Current Lines of Business/States:

      • HO3, HO6 HO4, DP3: AL, AZ, CO, GA, ID, IL, IA, IN, ME, MO, MS, MT, NE, NH, NJ, NM, OH, OK, PA, SD, TN, TX, VT, WV, WI, WY
      • Auto: AL, AZ, CO, GA, ID, IL, IA, IN, MO, MS, MT, NE, NH, NJ, NM, OH, OK, PA, SD, TN, TX, VT, WA, WI, WY
      • Umbrella: AL, AZ, CO, GA, ID, IL, IA, IN, MO, MS, MT, NE, NH, NJ, NM, OH, OK, PA, SD, TN, TX, VT, WA, WI, WY

       

      Carrier Access:

      • Shared Login via LastPass
        • Be sure to verify that you are using the 360 login instead of ARS and confirm if for McGriff. 

       

      Quote Bots:

      • No bots for this carrier.

       

      Application Type: 

      • Carrier e-Sign

       

      Carrier Market:

      • Auto:
        • Standard market
        • Vehicles for licensed drivers with prior limits higher than state minimums
          • Non-licensed drivers usually excluded
        • Less than 3 incidents commonly in the last 3 years
      • Home:
        • Homeowners (including Seasonal) with 4 or less than units/ families
        • DP3 4 or less than Dwelling Units/Families
          • 4/8 Rule (combined < 4 Properties and/or < 8 units ineligible)

      Important Guidelines:

      • Common unacceptable Auto risks include:
        • Unable to verify the claimed identity of the applicant or named insured or VIN
        • Policies in which an eligible driver is not insured or has a suspended/revoked license, unless excluded from coverage.
        • Policies with more than 8 drivers or 10 vehicles.
        • Not registered for street use
        • Leased or rented to others 
        • Regularly available to non-listed drivers
        • With a salvage title (unless proof of repair and roadworthiness)
        • Any vehicle with a value exceeding $150,000.
        • Any driver without a current and valid U.S. or Canadian driver’s license,unless excluded from coverage.
        • Any of the following within the 3-year period prior to the date of application:
          • 3 or more total incidents for an operator
          • 5 or more total incidents* for all operators
          • 4 or more at-fault accidents for all operators
          • 2 or more theft/vandalism claims
      • Common unacceptable Home risks include:
        • Vacant, foreclosed, abandoned, or condemned property.
        • Property that is unoccupied and held for sale. 
        • Commercial property (except incidental business on the property)
        • Property with current evidence of water damage or mold.
        • Unrepaired damage to the property being insured.
        • 2 or more losses of any type within the 5-year period prior to the date of application:
          • 1 or more home liability losses within the 5-year period prior to the date of application.
          • 1 or more home fire losses within the 5-year period prior to the date of application and Location Fire Score > 420.
          • 1 or more water losses within the 5-year period prior to the date of application.
          •  Property with prior sinkhole claim(s).
        • All major operating systems have not been modernized nor updated in order to meet current codes
        • The residence does not have a central heating system.
        • Heating system over 30 years old
        • Roofing:
          • Roofs where it is visually evident that repair or replacement is necessary (i.e.,major wear and tear, splitting, curling, broken or missing shingles, tiles, or slate, sagging or badly uneven roofs, or unvented roofs).
          • Roof Age over 20 years old (excludes lifetime material such as tile, metal, or slate).
          • Wood or flat roofs over 10 years old.
          • Any flat roof when the home year of construction is over 20 years old.

      Additional Resources: