One message. Everything we need in it.
There is no form to fill in. Email service@cribbinsurance.com or pick up the phone, and it reaches the whole service team rather than one person's inbox. The only thing that decides whether a request takes one round trip or four is what goes in the first message — so below is exactly what to include, by type.
Four things in the first message
Your name, which policy it touches, what you need, and the date you need it effective. Everything else is detail we can ask for. Send it to service@cribbinsurance.com, or call (479) 286-1066 if it is easier to explain than to type. If you have a hard deadline — a closing, a job starting Monday, a contract waiting on a signature — put it near the top rather than at the bottom.
By what you are asking for.
None of this is a rule. It is just the list of things we would otherwise have to email you back and ask for, which is the slow part.
Proof of auto coverage
Year, make and model of the vehicle. If you only need it right now, the portal has it already and you can skip the message entirely.
A COI for a customer or a GC
The exact legal name and address of the certificate holder, and the contract page listing the insurance requirements. Say whether they also need to be added as an additional insured — that is an endorsement, not a certificate.
Something bought, something sold
The VIN, the date it changed hands, who drives it, and whether there is a lender. For one going off, the date it went and whether it was sold, traded or totaled.
A new license in the house
Full name, date the license was issued, and who they will mostly be driving. A driver moving out matters as much as one moving in, and it is the one people forget to tell us.
After a move, a refinance or a payoff
The new address and the date you moved, or the new lender's name, mailing address and loan number. Loans get sold quietly, and the wrong name here sends the escrow payment somewhere useless.
Limits, deductibles, a policy added
What you want changed and, more useful, what prompted it. A deductible question and a renewal that came in higher are the same message but different answers.
Email is not a secure channel.
Policy numbers, vehicle details, addresses and contract requirements are all fine to send. Social Security numbers, dates of birth, driver's license or passport images, and bank or card numbers are not — and neither is a photograph of a document containing them. If a request genuinely needs that information, call the office and we will take it another way. If you are not sure which side of the line something falls on, leave it out and just say you have it.
Sending it is not the same as it being done.
Three separate things happen, and only the last one is your coverage. There is the message you send us. There is the change we submit to the insurance company. And there is the endorsement the company issues, carrying an effective date. What you are covered for is what the third one says — not what the first one asked for.
Which is why the date matters more than the wording. Tell us when you need it effective and we will request that date; future-dating is normal and it removes the scramble. When the paperwork comes back, read the front page and check it says what you asked for. And the expensive one: never cancel an existing policy until the replacement is confirmed in force. What to look at on the page that comes back.
Where it goes and who picks it up.
cribbinsurance.com one inbox, whole team
It is not one person's address. A request does not sit because somebody is out, and you are not left deciding which name to write to.
It lands with the person who handles your book.
We pull your file and check what the change actually touches, which is often more than the policy you mentioned — a vehicle added to the auto policy can move an umbrella, and a business address change can reach three policies at once. Then it goes to the insurance company on the forms that company wants it on.
Timing depends far more on the carrier than on us. Some changes go out and come back within days; some need underwriting review. If a request needs something we do not have, you will hear from us rather than hearing nothing, and if the change moves the premium you will hear that before it lands on a bill.
Because we are independent and place across more than forty carriers, servicing is a different job at every company — one wants a portal, one wants a form, one wants a phone call. Knowing which is which is most of what makes this quick, and it is not something you should have to learn.
Sending a request.
What should I put in the email?
Your name, the policy it touches, what you need, and the date you need it effective.
That is the whole list, and getting it into the first message is the difference between one round trip and four. If you know the policy number, include it; if you do not, your name and address will find it. Say what actually changed rather than what you think the policy should say, because the insurance company rates the facts and we would rather correct a plain description than unpick a guess. Attach anything you already have — a bill of sale, a title, a lender letter, a contract page with the insurance requirements on it. For a business, tell us what the operation does day to day rather than what the paperwork calls it. If any of it is uncertain, say so plainly and we will work with that.
Can I just call instead?
Yes, and for anything complicated a call is usually faster.
The number is (479) 286-1066 and the office is open Monday through Thursday from 9 to 5 and Friday from 9 to 4. Email is better for anything with a list in it — several vehicles, an address, the exact legal name of a company — because transcribing that over the phone is where errors get introduced. A call is better when you are not sure what you need, when something has happened and you want to talk it through, or when the answer depends on three things we would otherwise have to ask about one at a time. Either way it reaches the same people. Nothing about emailing puts you further back in a queue.
How long does a request take?
It depends far more on the insurance company than on us.
Some things are immediate. Some changes go out the same day and come back with an endorsement within a few days. Others need underwriting review, and a few need a document from you that we do not have yet. What we will not do is leave you guessing: if a request needs something more, you will hear from us rather than hearing nothing. If you have a hard deadline — a closing, a job starting Monday, a contract that has to be signed — put that in the message and put it near the top. Deadlines change how a request is handled, and we can only work to one we know about.
Can I ask for a change to take effect on a future date?
Usually yes, and it is often the right way to do it.
If you know a vehicle is being picked up on Friday or a job starts at the beginning of next month, say so and we will request that effective date rather than backdating it later. Future-dating is normal and it removes the scramble. Backdating is a different matter and is largely not available, because coverage cannot be bought for a period that has already passed. The practical version of that rule is simple: tell us before the thing happens where you can, and as soon as possible after it where you cannot.
What should I not send by email?
Anything you would not want read by somebody else.
Email is not a secure channel. Do not send Social Security numbers, dates of birth, driver's license or passport images, bank account or payment card numbers, or photographs of documents that contain any of those. If a request genuinely needs that information, call the office and we will take it another way. Policy numbers, vehicle details, addresses and contract requirements are all fine to send. If you are not sure which side of the line something falls on, leave it out of the message and mention that you have it.
Should I email you about a claim?
Report the claim to your insurance company first. Then tell us.
The carrier's claims line is staffed around the clock and it is the number that starts the process, which is why it is the right first call rather than a second-best one. It is printed on your ID card and on your declarations page. We are not the adjuster and we do not decide the outcome, but we hold your file and we can see what is on the policy, so tell us the same day if you can and we will follow it with you. Do not wait for the office to open to report something. If there is any question of injury or of a crime, emergency services and law enforcement come before either call.
If our guides are useful, mark Cribb Insurance as a preferred source so more Arkansas families and businesses can find plain-English answers about their own coverage.
Send it over.
Name, policy, what you need, and when you need it. If you are not sure how to phrase it, write it the way you would say it out loud — we would rather have a plain description than a guess at the right terminology. Not a client yet? Start a personal quote or a commercial quote instead.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri and Texas. This page explains how to send a service request on a policy placed through the agency. It is general information. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. It is not legal advice, claims advice, or a legal opinion.
Sending a request does not change your coverage. A message sent to the agency by email, phone or portal is a request. Coverage changes only when the insurance company issues the change, and only on the effective date the company assigns. Requests are subject to carrier underwriting, eligibility and acceptance, and may be declined or issued on terms other than those requested. Backdated coverage is generally not available. Do not rely on a requested change, and do not cancel or allow an existing policy to lapse, until you have written confirmation that the new or amended coverage is in force. The policy actually issued to you controls what is covered in every case.
Email and timing. Email is not a secure or guaranteed method of delivery. Messages may be delayed, filtered or undelivered, and the agency cannot confirm receipt of a message it has not received. Do not use email to report anything time-critical. Nothing on this page is a commitment to act on a request within any particular period, and no turnaround time is promised or implied. Do not transmit Social Security numbers, dates of birth, driver's license or passport images, financial account or payment card numbers, or other sensitive personal information by email.
Claims. Cribb Insurance Group Inc. is not an insurance company, not a claims administrator and not an adjuster, and does not accept, investigate, adjust, approve or deny claims. Do not use this page or the service email to report a claim. Claims are reported to and decided by your insurance carrier under the terms of the policy issued to you, and carrier claims lines are available outside our office hours. In an emergency, or where injury or a possible crime is involved, contact emergency services and law enforcement first.
Office hours are Monday through Thursday, 9:00 a.m. to 5:00 p.m., and Friday, 9:00 a.m. to 4:00 p.m., Central time, and may change. Availability of any staff member at a given time is not guaranteed. Market access referenced as "more than forty carriers" reflects the agency's overall market access across personal and commercial lines and is not a representation that any particular product, carrier or price is available for any particular person, property or business.
Last reviewed August 2026.