CGF Insurance, Inc.

For existing policyholders, the online Policy Service Center handles: Online Billing and Payments (the site says most of its insurance companies allow premium payment by EFT, e-check, or credit card), Online Claims Filing through the carrier's 24/7 claim support or by contacting CGF directly, Certificate of Insurance Request (described as "only for existing clients who are commercial policyholders"), Policy Change Request, and Auto ID Card Request. The site also offers a Personal Insurance Checklist, a Business Insurance Checklist, and an Annual Review page.

The policy change page carries this caution verbatim: "By submitting this form you understand that no coverage or premium adjustment of any kind is bound until you receive written notice." Whether any claim would be paid is decided by the insurance carrier, not stated on this site.

The agency's quote request form lets a visitor select from a longer list of commercial insurance types, which indicates the classes of business the agency invites enquiries about: Builders' Risk, Commercial Earthquake, Commercial Trucking, Contractor's General Liability, Directors and Officers Liability, Employment Practices Liability (EPLI), Garage Insurance, Key Person / Employee Insurance, Kidnap and Ransom, Liquor Liability, Product Liability, Restaurant and Bar, Special Event, Technology, and Wholesalers and Distributors Insurance. Appearing in that dropdown means the agency accepts the enquiry; it does not mean a policy can be placed or that a carrier is appointed for that class.

The home page describes business insurance only in general terms: "As a business owner, you have enough on your mind without having to worry about your insurance needs. Let us find the best coverage at the best rates for you."

The site publishes no prices, rates, premiums, minimum revenues, class codes, or coverage limits for any commercial or life product, and no eligibility criteria. Businesses seeking cost or a quote should call (215) 849-2000 or use the online quote request form. For commercial policyholders the site also offers a Certificate of Insurance Request form.

The Meet Our Staff page names four people at CGF Insurance, Inc., all reachable through the main office number (215) 849-2000.

Pat Ruscio, Senior Partner, direct extension 1002. The page says he "has been committed to providing quality customer service to CGF's clients for more than 20 years" and "graduated from LaSalle University with a B.A. degree in business".

Nick Yoskin, Senior Partner, direct extension 1003. The page says he "posses more then 20 years of experience in the insurance industry, catering both the independent side, as well as the direct writer side of the business" and that he handles strategic and business development for the agency.

Syed Ahmed Raza Kazmi, Manager-Business Strategy, office (215) 849-2000. The page says he handles business strategy and new business development, manages the sales team's segmented needs, and received an MBA in Finance from Philadelphia University, now Thomas Jefferson University.

Dougless McNeill, Manager-Customer Relations, direct extension 1001. The page credits him with "more then 20 years of experience in terms of the front office as an agent out of which 12 years of managing his own insurance agency".

Credentials

the site publishes no Pennsylvania insurance producer licence number, no agency licence number, no National Producer Number, and no professional designations (such as CIC or CPCU) for any staff member. It also gives no year the agency was founded.

Reviews

the site shows short unattributed customer testimonials from Philadelphia clients, for example "My overall experience with CGF insurance was excellent." No star rating and no review count are published.

CGF Insurance, Inc. is a full service insurance agency in Philadelphia, Pennsylvania, and its site describes it as "Insuring Philadelphia and All of Pennsylvania". The agency's own wording is that it "currently provides auto/car insurance, home insurance, homeowners insurance, and business/commercial insurance" and that staff "are available to personally consult individuals on the proper insurance coverages". Life insurance is a third listed division alongside personal and business insurance.

CGF describes itself as an independent agency: "We are Independent Agents in Philadelphia, Pennsylvania, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you." The about page explains the independent agent model generally, saying an independent agent "has several companies that he or she can approach" rather than being tied to a single insurer.

The carriers page names six companies the agency says it has relationships with: Erie Insurance, Foremost Insurance, Hagerty Insurance, Liberty Mutual Insurance, Philadelphia Contributionship, and The Progressive Corporation. The home page also carries a "Specializing In Erie Insurance" section with links to an ERIE auto insurance quote, ERIE bill payment, and an ERIE life insurance calculator. The site does not state which carrier appointments are currently active, which carriers would be approached for any given customer, or whether a particular company can write a particular risk, so appointment status and availability are not confirmed by the website.

The site publishes no Pennsylvania producer or agency licence number, no NPN, and no year the agency was founded. Anyone needing those details should contact the office directly. Contact phone is (215) 849-2000.

Areas served

the site footer states the agency "Provides Auto/Car Insurance, Home Insurance, Business/Commercial Insurance to All of Pennsylvania, Including Philadelphia, Bala Cynwd, Upper Darby, King of Prussia". The tagline used throughout the site is "Insuring Philadelphia and All of Pennsylvania". No other states are mentioned.

To make contact, book time with an agent, or schedule a review, the published routes are the phone number above, the Secure Contact Form, the Secure Quote Request form, and an Annual Review page. The contact form accepts a name, company name, email, phone, comments or questions, and file attachments up to 59 MB.

What is not published

a general email address, walk-in or appointment policy, holiday hours, parking information, whether an appointment is required before visiting, or any second branch location. Direct staff extensions are listed on the staff page. The site is published in English only; no Spanish or other language version appears anywhere on it.

The quote form on the site offers a wider list of insurance types a customer can select, including Personal Catastrophic Insurance and Life Insurance alongside the personal lines above.

What the site does not publish for any of these services: prices, premiums, rates, fees, deductibles, coverage limits, discounts, eligibility rules, or which carrier writes which line. No sample cost or estimate figure appears anywhere on the site. A customer wanting a price, a quote, or confirmation that a specific vehicle, home, boat, or pet can be covered has to contact the agency. The Philadelphia office phone is (215) 849-2000, and the site also provides an online quote request form and a secure contact form.

Ask anyway — the agent will say plainly that it is not published rather than guess.