Frequently Asked Questions
Clear answers about our independent consultation service and how insurance works.
Insurance CLB is an independent insurance consultation and referral service. We help individuals and businesses understand their insurance options, compare coverage from different providers, and connect with licensed insurance carriers, all at no cost to you. We are not an insurance company, carrier, broker, or underwriting agency.
No. Insurance CLB is NOT an insurance company. We do not issue, underwrite, bind, or sell insurance policies. We provide independent educational guidance and consultation. All insurance policies are purchased directly from licensed insurance carriers.
Yes, our consultation service is completely free to consumers. We don't charge customers for guidance, comparisons, or referrals. We are compensated through referral arrangements with our network of licensed providers, but this never influences the advice we give you.
Licensed insurance agents typically represent specific insurance companies and are licensed to sell those companies' products. We are an independent consultation service; we educate you on your options across multiple providers without being tied to any single company's products.
When we connect you with a licensed insurance provider and you purchase a policy, we may receive a referral fee from that provider. We are transparent about this arrangement. It does not influence our recommendations, we always advise based on your best interests.
Simply fill out our quick quote form or call us at (888) 241-0905. Tell us about your insurance needs, and we'll arrange a free consultation with one of our independent advisors.
You share your insurance needs with us through our quote form, phone, or email. Our independent consultants assess your situation, educate you on available coverage options, and connect you with suitable licensed providers. You then purchase directly from the provider.
Initial consultations typically take 15-30 minutes. Complex situations may take longer. We move at your pace and never rush you into a decision.
No. There is absolutely no obligation to purchase insurance. We provide information and referrals, the decision to buy, what to buy, and from whom to buy is entirely yours.
We cover vehicle insurance (auto, motorcycle, boat, RV, ATV), property insurance (home, renters, condo, landlord, mobile home), personal protection (life, health, identity, pet, umbrella), business insurance, and specialty insurance (travel, event, jewelry, collectibles).
Licensed insurance carriers in our network. After our consultation, we connect you directly with licensed providers. The policy is written by and purchased from the licensed insurance company, not Insurance CLB.
Yes. We work only with established, licensed insurance providers who maintain proper regulatory compliance. However, we encourage all customers to independently verify any provider's licensing and ratings before purchasing a policy.
No. We cannot guarantee any specific rate. Insurance premiums are set by licensed insurance carriers based on your specific information, risk profile, and their underwriting criteria. We help you compare options but do not set, negotiate, or guarantee prices.
Claims are handled directly by your licensed insurance provider, not Insurance CLB. We can provide general guidance on the claims process, but all claims decisions, payments, and processing are the sole responsibility of the insurance carrier.
Insurance CLB itself does not sell insurance and does not require a state insurance sales license. We operate as an independent educational and referral service. The licensed insurance providers we refer you to maintain all required state licenses and regulatory compliance.
We take privacy seriously. We collect only the information needed to facilitate your consultation. We do not sell your personal data to third parties. Please review our Privacy Policy for complete details about how we collect, use, and protect your information.
Didn't Find Your Answer?
Our consultants are happy to answer any specific questions about your insurance needs.