Complaints

This profile includes complaints for Ashton Agency, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Ashton Agency, Inc.

  4100 Metric Drive Suite # 100 Winter Park, FL 32792

• 

  Ashton Agency, Inc.

  4100 Metric Dr Ste 100 Winter Park, FL 32792-6832

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been with this company going on 9 years plus each year I ask I want to my insurance to be shocked for the best price I've never made a claim I've been in business for over 14 years and there are other businesses paying less than what I pay I am being discriminated against and being bullied into going with the company that they want me to go with instead of them shopping and doing their job because they get a better kickback from using the same company over and over again. I requested this "over a month ago I Did not even receiveNo information and now my policy is expired and now my business has to shut down until I get a new policy. I made multiple calls to the company requesting a new quote and its one excuse after another. The quote should be given 30 days prior to renewal. Which would be April 23rd 2023 not May 10th 2023 or may 22nd 2023.

  Business Response

  Date: 05/23/2023

  The insured,
  Mr. ******* received his renewal packet around the same time he did the year
  prior. Unfortunately, with Florida dealer licenses expiring on 04/30 of each year, the influx of renewals in April and May have impacted the Managing General Agent's (***/underwriter) ability to provide agencies with quotes
  30 days prior to expiration. As we (****** Agency) do NOT have authority to
  underwrite on behalf of any carrier, we are at the mercy of the
  underwriter/*** to provide each quote.
  
  On May 10th,
  Mr. ****** was given the following renewal quote for 2023-24.
  
  Renewal for 2023-24
  Premium $2,780.00
  Policy Fee $100.00
  FL Tax: $142.27
  FSLSO Fee: $1.73
  Total
  $3,024.00
  
  A difference of $113.40 compared to the renewal
  quote for 2022-23 (premium details below).
  
  Renewal for 2022-23
  Premium $2,572.00
  Policy Fee $100.00
  Inspection Fee $100.00
  FL Tax: $136.94
  FSLSO Fee: $1.66
  Total
  $2,910.60
  
  Mr. ******
  requested that we provide (2) additional quotes, one to decrease dealer tags to 2 (from 4),
  keeping his limits the same, and another to decrease liability coverage from
  $300,000 to $100,000 and decrease dealer tags to 2 (from 4). The requests were
  sent to the underwriter on the same day, May 10th, and the insured
  was advised that it may take time for the underwriter to provide a revised quote
  to reflect these changes (5 to 7 business days).
  
  On May 22nd,
  the insured was provided the following REVISED quote:
  
  Revised for 2023-24 decreasing liability from $300,000 to $100,000.
  Premium $2,214.00
  Policy Fee $100.00
  FL Tax: $114.31
  FSLSO Fee: $1.39
  Total
  $2,429.70
  
  The quote
  the insured requested to keep all limits the same and reduce the dealer tags to
  2 (from 4), had no impact on the premium as tags are rated based on Uninsured
  Motorist (UM) coverage, which is based solely on number of employees, and in
  this case, Mr. ****** is the only listed insured.
  
  Our agency
  presented the revised quote to Mr. ******* to which he expressed his dissatisfaction,
  advising that even with a decrease of $594.30, the annual premium is still too high.
   
  
  Our agency
  has been in business for over 50 years, with a stellar reputation not only with
  our many long-time clients, but with our ***s and Surety companies. We work tirelessly
  to ensure our clients are receiving the lowest possible rate based on desired coverage
  limits, business territory, and employees. On average, insurance carriers have
  taken a 10% increase across all lines. As an agency, this is not something we have
  any control over.
  
  The insured’s
  assumption that we (****** Agency) did not consider alternative quotes from
  other carriers because we receive a higher “kickback” from a specific carrier
  is false. The (2) other carriers proven to be most competitive in the current garage
  market were estimating a base premium of $2,594 or higher (for $100k in
  liability) + taxes/fees AND a required inspection of the premise,
  which would produce an additional $100-$150 towards fees.  
  
  Despite our
  best efforts to work with Mr. ****** to ensure he wouldn’t suffer a lapse in
  coverage, we were unable to come to a resolution. 

  Business Response

  Date: 05/26/2023

  Enclosed is the email Mr. ******
  received from his representative, Evelyn B*******, on 05/10/23. As I advised in
  my previous response, we are at the mercy of the underwriter to provide us with
  quotes, and unfortunately, policies expiring in April and May can take a bit
  more time to come in due to the influx of renewals during that time. We've
  apologized for this numerous times and worked as quickly as possible to get the
  revised quote Mr. ****** requested. Although the revised quote with the
  reduction in liability coverage was received on 05/22/23, we advise that the
  carrier agreed to bind the renewal effective 05/22/23 to ensure Mr. ****** wouldn’t
  suffer a lapse in coverage, as long as the documents were received by the end of
  the following business day (05/23/23).

  
  As
  I also advised in my previous response, this year's renewal came within a
  similar timeframe as in prior years. Although we strive to receive renewals
  30-days prior, with the influx of renewals during the Florida licensing renewal
  period, and the staffing challenges currently impacting many businesses, our
  agency and our ***s do the best we can to get these quotes out as quickly as
  possible. Below is a date & premium timeline of the prior policies bound
  for this insured: 
  
  2018-19:
  Quote received on 05/14/18; Policy bound on 05/22/18 for $2,561.29 (********
  ********/*** Insurance) - 2 other quotes obtained by different carriers & ***s.
  2019-20:
  Quote received on 04/26/19; Policy bound on 05/20/19 for
  $3,159.31 (******** ********/*** Insurance) - 3 other quotes obtained by
  different carriers & ***s - remained with AC due to rebuilt percentage.
  2020-21:
  Quote received on 05/05/20; Policy bound on 05/14/20 for
  $3,079.31 (******** ********/*** Insurance)
  2021-22:
  Quote received on 05/10/21; Policy bound on 05/12/21 for $2,255.40 (********
  Specialty/*** Insurance) - ****** shopped the insured's renewal when ********
  entered the market at a lower rate than AC. 
  2022-23:
  Quote received on 05/06/22; Policy bound on 05/16/22 for
  $2,910.60 (******** ********/*** Insurance) - ******** Specialty elected
  to non-renew this policy; alternative quote obtained from ********
  ********.  
  2023-24:
  Original quote received on 05/10/23 for $3,024.00; Revised quote reducing
  liability to $100k received on 05/22/23 for $2,429.70. We also received a quote
  from another carrier for $2,933.70 (w/ $100k in liability). 
  On 05/23/23, Mr. ****** emailed Ms.
  B******* to request 3-year loss runs and received his 2018-22 loss runs the
  very next morning (see email attached).
  
  Year
  over year, ******** ******** has proven to be the most competitive and
  consistent in their rates based on the insured's coverage needs, which is and
  has always been our focus -- just as it was when we obtained a lower bond quote
  in 2022, as soon as we were made aware of a rate/guideline change made by one
  of our sureties.

  
  While
  we would love nothing more than to make all our clients happy and save them
  money year after year, we must comply with the rates & underwriting
  guidelines of the sureties and carriers we are appointed to place business
  with. 

  
  We're
  sorry Mr. ****** felt the annual premium was too high and that our
  communication regarding this year’s renewal was lacking -- we've apologized for
  this and provided options in hopes of coming to an amicable resolution, but we
  cannot control how the carrier rates each risk. 

  Customer Answer

  Date: 05/26/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: They claim that I have 30 days from renewal date while the renewal date is 5 22 20 23 that would make the time  ***** they should have had the "email to me or mail to me and notified me of the change in price 30 days prior I have all the phone calls to prove it in the phone log that they never reach out to me I called them on 522 to find out what was going on with my "and my policy. I'm not the only person who has had this problem with this company this company is changed their name multiple times because of situations like this they've also not been in business for 50 years this business has only been incorporated for a couple years they keep changing their names or status on Sundays It is the job of the insurers company to give me a proper amount of time to make a decision whether I'm gonna accept changes or a "given to me not less than 6 hours notice they gave me notification on 5 22 20 23 at exactly proximately 4:30 PM is when the final" came in supposedly which I do not believe that either. 
  
   Also Also they made claims that how many tags I may have do not make a difference but they do make a difference I requested changes lasteer and I did the same it on that it takes longer to get it back from the underwriter but they don't give me an option in March or mid April to get a new "they only give me an option when 30 days prior to my insurance about to expire so I am rejecting their response And I want to be compensated for my time aggravation and hassle for having to deal with this
  
  Sincerely,
  
  
  
  ***** ******