Welcome to ALPS Frequently Asked
Questions
Providing our clients with timely, personal service is our
priority. If you have questions or concerns, please contact us at
(800) 367-2577. Please review the most frequently asked policy
related questions below. If you don't find what you are looking
for, please contact us directly so we may assist you.
Yes, we offer some of the most relevant
and interactive CLEs in the industry. View the events on
this website or ask an ALPS representative about CLEs in your
area.
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A risk retention group (RRG) is a liability insurance company
that is owned by its policyholders - in ALPS case the lawyers we
insure. Some of the key advantages offered by an RRG relate to the
control members obtain over their liability program. An RRG
benefits its members by translating that control into; availability
of coverage year in / year out vs. the constant uncertainty of
dealing with the traditional market, coverage tailored to a
policyholder's specific needs, potential for profit as shareholders
when company grows, professional risk management to prevent losses,
responsive claims handling, and access to reinsurance markets.
As an RRG, ALPS exists to serve the needs of its policyholders
(lawyers) and the legal profession as a whole. We promise to be the
best value for the legal community. While that doesn't always
translate to being the least expensive option, ALPS provides
distinct benefits through both our structure and our policy.
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You will need to update the number of employees to the firm on
your renewal application.
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ALPS does not charge to add an attorney mid-term, nor does ALPS
refund premium if an attorney is deleted mid-term.
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Notification of changes will need to be received in writing. If
you are adding an attorney, we will need to receive a letter from a
partner in the firm requesting the attorney be added to the policy,
stating the exact date to add the attorney. The new attorney will
also need to complete an Individual Attorney Supplement (IAS). If
an attorney leaves your firm, please notify us of this change. All
changes to the firm should be reported within thirty (30) days of
the change.
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Requests need to be received in writing. Requests can be faxed
to (406) 728-7416 or you can click here to log in
to your account and request a copy.
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Certificate of Insurance requests need to be received in
writing. The request will have to include the name of the
Certificate Holder, their address and if you wish to have a copy
faxed to their attention. Requests can be faxed to (406) 728-7416
or you can click
here to log in to your account and request a copy.
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ALPS is registered to protect lawyers and law firms in the
following states and U.S. territories:
Alaska | Arizona | Arkansas | Colorado | Connecticut | Delaware
| Hawaii | Idaho | Indiana | Iowa | Kansas | Maine | Massachusetts
| Minnesota | Mississippi | Montana | Nebraska | Nevada | New
Hampshire | New Mexico | New York | North Dakota | Pennsylvania |
Rhode Island | South Carolina | South Dakota | Tennessee | Utah |
Vermont | Virginia | Washington | Washington D.C. | West Virginia |
Wyoming | Guam | Northern Mariana Islands | U.S. Virgin Islands
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Policyholders are required to provide written notice when they
reasonably become aware of an incident or circumstance that could
give rise to a claim. Experience has proven early reporting can
mitigate damages. If you have questions or concerns, please contact
one of our claims professionals.
Notice of a claim may be written in hard copy and delivered to
ALPS by regular mail or facsimile or submitted via email at claims@alpsnet.com.
In addition to all other terms and conditions of coverage, a
claims made and reported policy requires two things to fall within
the scope of the policy: First, there must be a policy in effect at
the time the error or loss occurred. Second, there must be a policy
in effect when the claim is first made against you and first
reported to the insurer. Both preconditions must occur before
coverage exists under the policy.
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Yes, by the terms of the policy, Policyholders are
required provide written notice to us at the time they become aware
of any incident or circumstance that could give rise to a claim. If
you have questions or concerns, contact one of our claims
professionals.
In addition to all other terms and conditions of coverage, a
claims made and reported policy requires two things to fall within
the scope of the policy: First, there must be a policy in effect at
the time the error or loss occurred. Second, there must be a policy
in effect when the claim is first made against you and first
reported to the insurer. Both preconditions must occur before
coverage exists under the policy.
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Notice of a claim may be written in hard copy and delivered to
ALPS by regular mail or facsimile or submitted via email at claims@alpsnet.com. Send mail
or fax claims notifications to address/fax number below:
ALPS Claims Department
111 N. Higgins Ave., Suite 200
Missoula, MT 59807-9169
Fax: (406) 728-7416
Please feel free to contact our Claims Department at (800)
367-2577 if you have any questions about this process.
In addition to all other terms and conditions of coverage, a
claims made and reported policy requires two things to fall within
the scope of the policy: First, there must be a policy in effect at
the time the error or loss occurred. Second, there must be a policy
in effect when the claim is first made against you and first
reported to the insurer. Both preconditions must occur before
coverage exists under the policy.
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ALPS will advance settlement and defense costs and send your
firm a bill for the deductible at the appropriate time. Copies of
defense counsel invoices are sent to you for your firm records but
should not be paid directly by you, the Insured.
Notice of a claim must be written in hard copy and delivered to
ALPS by regular mail or facsimile. Notice of a claim cannot be
delivered to ALPS by e-mail.
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Yes, the policy requires you to report all claims.
In addition to all other terms and conditions of coverage, a
claims made and reported policy requires two things to fall within
the scope of the policy: First, there must be a policy in effect at
the time the error or loss occurred. Second, there must be a policy
in effect when the claim is first made against you and first
reported to the insurer. Both preconditions must occur before
coverage exists under the policy.
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Our claims professionals will work with you to identify the
options available. We maintain a panel of local defense counsel
that are highly skilled in defending lawyers professional liability
claims.
In addition to all other terms and conditions of coverage, a
claims made and reported policy requires two things to fall within
the scope of the policy: First, there must be a policy in effect at
the time the error or loss occurred. Second, there must be a policy
in effect when the claim is first made against you and first
reported to the insurer. Both preconditions must occur before
coverage exists under the policy.
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In addition to all other terms and conditions of coverage, a
claims made and reported policy requires two things to fall within
the scope of the policy: First, there must be a policy in effect at
the time the error or loss occurred. Second, there must be a policy
in effect when the claim is first made against you and first
reported to the insurer. Both preconditions must occur before
coverage exists under the policy.
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