Understanding the inner workings of how an insurance policy is written and managed can be helpful whether you’re shopping for new insurance or already have coverage in place. In this blog, we’ll walk you through the process your Lockton Affinity policy goes through to give you an idea of what to expect.

From the moment you fill out a contact form, you’re on a journey with your insurance policy. Action behind the scenes make sure that you receive the correct policy to meet your needs and connect with a team of experts who help you manage your risk.

While your own policy will always be unique to you, all insurance policies start out on a similar journey, moving from sales to underwriting and eventually client solutions.


The first stop along the journey of your policy is in sales, probably one of the most familiar aspects of insurance for customers. The sales process begins when you are shopping for insurance. A customer fills out a contact form requesting a quote and is contacted by an insurance sales representative.

A sales representative is someone who knows a lot about insurance and is also great with people. Their job is to review your current coverage, learn more about your current insurance needs and give advice about suitable products and services.

The sales rep then collects the information needed to get you a quote. You can expect your insurance representative to ask you some key questions to understand your business, such as:

  • Business address and contact information
  • Number of years in the industry
  • Number of people you employ
  • Payroll for the most recent year
  • Number of employees using their own vehicles

After the necessary info is gathered, it typically takes a few business days to receive your quote.

With Lockton Affinity, working with sales representatives is easy and fast. Thanks to more than 30 years in this industry, we’ve developed a quick and streamlined process that makes for a smoother experience.


After sales, your policy continues its journey to underwriting. Underwriting is an important stage in the process of insurance, where your individual risks are assessed, and your specific policy is written. Even though you likely won’t interact with insurance underwriters directly, they are the ones working behind the scenes to get you a competitive rate.

At Lockton Affinity, our underwriters have extensive experience. It’s a unique advantage that allows us to make smart decisions about risk, understanding which exposures are more likely to result in claims and which ones are more benign. The result is being able to offer very competitive pricing while still providing the coverage needed to protect your business.

Thanks to our learning and experience, we have been able to develop exclusive relationships with top carriers, giving our customers access to one-of-a-kind programs with competitive rates. The role of our underwriters here can’t be understated — they’re the experts who help make these relationships and opportunities possible.

Client Solutions

After underwriting, your policy continues its journey to client solutions, but this isn’t the end of the road. Unlike other products and services you’ll purchase for your business, insurance is complex and ever-changing. Over time, you may find you have questions and concerns, or that your insurance needs change as your business and the industry change. Whatever your question, the client solutions team will be here to help.

Once you have purchased your policy, you’ll be introduced to your account manager on the client solutions team. This person will be your point of contact from here on out. You can reach out to your account manager for:

  • Questions about your policy
  • Changes in your insurance needs
  • Request for documentation and more

Your account manager will also occasionally reach out to you to check in and see if you need anything.

While every firm offers customer service, our client solutions is another feature that is unique to Lockton Affinity. Our program offers a dedicated contact at your disposal who works on the program and understands the needs and challenges you face. It’s one reason our mission is: we live service.