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Baytree Finance Company
9 Market Square Court
PO Box 230
Lake Forest, IL 60045-0230
888-687-4900

Processing:

Agreements will be processed and funded within 24 to 48 hours of receipt, provided that the following procedures have been followed: 1. Agent and insured have signed the agreement (or in states allowed, agent has signed on behalf of the insured). 2. The agreement has been dated. 3. Payments due within 10 days of the due date are collected by the agency with the down payment. 4. Policy information completed, including: effective date, policy type, insurance company and general agent (if applicable), premium, taxes and/or fees. 5. Correct down payment obtained

Carriers and Brokers:

Eligible carriers must have an AM Best rating of B+5 or better.  Exceptions may be made, but must be approved.  Please call us at 866-439-1389.

Large Agreements:

Agreements with an amount financed over $500,000 require current financial statements from the insured. 

How to Check an Account On-Line

Click Here

Payment Options:
Web Payments will have a charge of $3.95 to make a payment on-line Click Here.  Check-by-Phone and Check-by-Fax will have a charge of $9.95.

Additional Premium Add-Ons:
Additional premiums may be financed and added to an existing account providing the conditions list below are met:

1)  All payments due are current
2)  At least three billable payments, and
3)  The amount of the additional premium is at least $500.00 amount financed

Please contact us for a quote

Holding Accounts from Cancellation:

Most accounts will cancel 18-days after the due date if not paid.  Please call us @ 866-439-1389 to place up to a 5-day hold on the account.

Request for Reinstatement:
If an insured pays a cancelled account up-to-date, Baytree will request reinstatement, in most cases, within 7 days from receiving the insured’s check. However, if paid with certified funds, a request to reinstate will be issued right away.

Rate and Term Exceptions:
We recognize that there will be instances when you will need better terms and rates. Please call 866-439-1389 and we will be happy to accommodate you.

Standard Terms

Standard Account (with no minimum earned provision or extended cancellations):
15% to 25% down payment and 8 to 10 installments depending on the individual quote.

Minimum Earned Provisions:
The down payment must include all minimum earned premiums plus any non-refundable taxes and/or fees.

Extended Cancellations:
Typically 5% above the standard down payment, for specifics on your quote please contact us.

Assigned Risk and Workers Compensation:
30% down and 8 installments.

Minimum Amount Financed:
The minimum amount financed is $500.  Exceptions can be made.

Canal Indemnity and Canal Insurance:
Canal policies with out filings require a 30% down with 8 installments, and with filings 36% down with 7 installments, if different terms are needed please contact us.

Scottsdale Insurance:
All Scottsdale policies have at least a 25% minimum earned provision to the policy.