PDQ/Connecz
What is the Effective date for policy F 93 C1Y711 1(09)?
Effective date 8/17/23
(find policy in PDQ)
Pull up the PBRI from ABS and share your screen.
ABS > fire > PBRI tool bottom of page
What are the three types of land policies we offer?
1. Real Estate Development (land only)
2. Land Occupied by persons other than the insured
3. Vacant Land
(BRLC > search land)
What would make a personal consultant ineligible?
If the risk primarily provides virtual mailbox services
(BLRC > search consultant-personal)
What equipment is required for a bank to be eligible?
Central Station Burglar Alarm is required.
(BLRC > search bank > underwriting guidance)
What does CY stand for on the stat screen?
Ordinance or Law
(Rumba/Connecz Job Aid)
Could this address be covered by an owner occupied miscellaneous business effective 9/6/2023?
1036 11th Street, Hunstville TX, 77340
Ineligible - Wildfire moratorium in place for the Game Preserve Fire area of imminent danger. Unable to bind coverage.
(PBRI search address)
Main Street Beauty Salon has ten employees: two estheticians, four cosmetologists, two nail technicians and two handle the front desk greeting customers and making appointments. How many employees should be considered for the CMP-4402 Barbers, Cosmetologists and Estheticians Professional Liability endorsement?
Two estheticians + four cosmetologists + two nail technicians
(all these employees could cause professional hazards while performing their jobs)
An agent is trying to quote someone who plays musical instruments at events. How do we tell the agent to quote the risk?
Select “Other” in the “Search for type of business” drop down box and indicate BPCSC# stat class 273.
(BLRC > musician > underwriting guidance)
A company that does online sales and fulfill orders for clients and do not own the property they distribute.
Is this risk eligible?
Not Eligible
(BLRC > search Online sales > see UW guidance page)
What is the Auxiliary Structure coverage on policy F 92 BJL954 9 (15)?
$108,700
(Policy in ConnecZ > stat screen > AS under Sp Cov)
What is the maximum Section 1 coverage we are allowed to approve?
$2 Mill per building/$4 Mill per location
(BURC > Single Process >UND authority)
What specific discount does fast casual Tex Mex restaurant "La Salsa" get?
Double Points if you name 3 other common credits or discounts to consider
Preferred provider
(ABS > Franchise & Affinity > La salsa)
Enclosed building, protective devices, sprinkler, age of building or years in business
Can we write a restaurant that is open until 1 AM on the weekends, and they have alcohol sales that are less than 50%?
Not eligible because open after midnight
(BLRC > search restaurants incidental alcohol sales > UW guidance page)
Shy started a second job to be a Midwife, he is not a RN or a physician. Can we write a Midwife policy to cover Shy?
Yes but would need to be classified as 841-Allied Health.
(BURC > Medical Professional UW Resource M-O > Midwife)
What is the additional insured for our customer in AL under the name Hair Ambitions LLC
Salon Suites SF2 LLC
(ConnecZ > ALFA search AL > policy Hair Ambitions LLC > VF screen)
What are 4 of the BOP caution classes that maybe required to underwrite carefully or get committee review and approval?
603 Nail salon, 564 Cell Phone Stores, 454/442 Convenience Stores with and without gas, 443 Tobacco Product stores and 418 Barber Beauty Supplies
(BURC > Single Process > UND Authority > pg3)
What condo policy stat class would cover interests that are for land only or land and auxiliary structures only.
833
(BLRC > condominium - common area only)
Can we write a policy for a customer who wants to lease her building to a daycare? If so what business description would it be written under?
Eligible 807
(day care -lessor risk only > lessor risk all others > see UW guidance)
Can we write a policy for a lessor whose building has a retail marijuana store?
Eligible
(BLRC > Lessor risk all others > underwriting guidance doc > last sentence)
For policy F 93 CMF865 1 (09), how many years did the named insured/applicant own and operate the same type of business when the agent submitted the application?
2 years
(Policy in ConnecZ > SeIT > view app > bottom of pg 1 in the Pre-Eligibility Section)
Convenience store with 12 gas pumps. They sell gas and the typical items sold in the convenience store. Gas is $3.70/gallon. They are asking for $80,000 in Cov B. Gross annual receipts are reported as $150,000. Is this a fair estimate? If not what could the estimated sales be?
NO,
The average gas tank is 18 gallons. If only one car stopped to fill up at each of the 12 pumps per day, the gas sales alone would be about $292,000 per year
($3.70 x 18 gallons x 12 pumps x 365 days = $291,708) This amount does not include any stock in the store.
What is Soft Costs related to Builder's Risk?
Soft costs refer to certain additional expenses which are incurred as a result of a covered direct loss which causes a delay in completing the project. Soft costs may also be referred to as "Delayed Opening Coverages" or "Delayed Completion Coverages".
(BURC > OG's > 400-11 Builder's Risk)
Can we write a client who cleans ears using/lighting candles in the ear is looking for a policy. How or why not?
If underwritten carefully. 613 stat class- Procedure involves use of hot wax which can burn the external ear and cause infection or damage to the ear drum if it gets into the ear canal.
BURC > Barber, beauty job aid > pg 5 Ear candling/coning)
What stat class and business description would be used for a customer wanting to do auto upholstery service?
Double Point Question - What endorsement should be considered for the auto upholstery?
960- Upholstering -Shop Only
Bonus-Garage Liability should be considered.
(BLRC > search upholstery > Upholstering - Shop Only)