We begin processing all submissions the day we receive them. On business we can place within our binding authority we will give you a written quote within 48 hours. Accounts that must be submitted to the company can take anywhere from three to twenty-one working days. Submissions are worked by expiration dates; therefore, we do not release our quotes earlier than 30 days prior to the expiration date. Should you need faster response than what we normally provide, let us know and we'll be happy to comply with your needs.