With a customized insurance policy from The Allen Thomas Group, you have to pay premiums to your insurance provider regularly. The amount you pay will depend on the type of policy and coverage you choose. In exchange, your insurer agrees to cover any financial losses or liabilities caused by accidents or events covered by the policy. Your premium will be allocated to different funds like the insurance company’s reserve fund or investment portfolio. If an incident occurs and you make a claim, your insurer will cover the damages up to your chosen coverage. You may scale up or down, depending on your budget and the level of coverage.