Welcome to the ALPS Claims FAQ
Providing our clients with timely, personal service is our priority. If you have questions or concerns, please contact us at (800) 367-4366.
Please review the most frequently asked claims questions below. If you do not find what you are looking for, please contact us directly so we can assist you.
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When do I report a claim?
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.
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Should I report a claim even if a demand has not been made?
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.
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How do I report a claim?
The terms of the policy require you submit the claim in writing to:
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) 367-4366 if you have any questions about this process.
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When do I pay my deductible?
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.
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Should I report a claim that is likely to stay within my deductible?
Yes, the policy requires you to report all claims.
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If I am sued for malpractice, who would defend me?
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.
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What does claims made and reported mean?
Claims-made and reported policies require 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 reported to the insurer. Both preconditions must occur before the policy will provide coverage.
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