Eligibility
What are the current eligibility guidelines for apartments/condos and ROs where the building(s) are over 30 years old? What documentation must be submitted and is acceptable? Are there any exceptions? Does this apply to all buildings?
**Bonus- will the age of the building be updated with documentations required for over 30 years old?
All utilities- heating, plumbing, electrical must be replaced and roof is in good condition. Only acceptable documentation is itemized receipts/invoices. If they cannot produce, not eligible. No exceptions. Does not apply to aux structures for all and private residences for RO.
Eligibility/UGs
**No unless they can show the roof has also been replaced
What is CUI? What information is used in the decision model? Are there exceptions? If so, what is the process and information needed for exceptions?
Customer Underwriting Index- UW decision model used to determine eligibility on new business. Model uses public info and/or commercial credit. Includes liens, judgements, bankruptcy. Personal credit is not a factor.
Can submit CUI exception form if risk meets majority of criteria. (significant P&C tenure, other CMP in good standing, exceptional payment/claim history). Need information such as active/inactive policy numbers, claim info, payment history info, other businesses owned, personal name of customer if Inc/LLC
What are the minimum underlying liability requirements for Business liability and autos? Where is the answer located?
$500,000; $500,000/$500,000/$100,000 or $1mil single limit
Rate manual, UGs
Can an agent submit a new application or submission for new business? Where did you find the answer?
No.
CA FAQ; California Auto & Fire-Additional Information; UGs, California Nuggets
What date did we stop writing new business-5/27/23
What are the criteria to use Aerial Imagery? What resource did you use?
Apt, RO, RCA, OO- BOP/Contractor except AK, HI, MA, RI. Bldg more than 14 years old.
BURC>Job Aids>Aerial Imagery BL user guideline
What resources do the agents have available to determine eligibility? Where are they located?
Business Lines Eligibility Tool/Guide> ABS>Products>tools
BLAKE: ABS>Products>Business>Tools; ECRM >Tools; PC>new business quote in SBLE>on business details screen select Business AI Knowledge Engine hyperlink under "what's the primary business description"
Is there a limit to how many owners/officers can be added on the Policy Info page? If there is a limit and there are more, how do they get added?
5 is the limit on the Policy Info screen. If more, instruct the agent to list the remaining officers/owners as a policy note. Only their name needs listed.
Can an insured get a CLUP when the underlying is only auto?
No. Answer in CLUP UG- eligibility
What is the Coverage A cap for BOP/RCA/RO? Where did you find the answer?
*Since no-new business, how is this Coverage A cap applied to existing business?
$5mil
CA FAQ, CA UGs under Managed Growth
*Insureds will be non-renewed if they initiate a change request that exceeds the limits
Can the Age of Building worksheet be submitted for all CMP policies to update the year built? Can other documents be submitted to update the year built?
No, it cannot be used for apt/condo/RO.
Yes- worksheet, inspection forms signed by licensed inspector, bldg permits, paid invoices/receipts/ new purchase building inspection document.
Resource: BURC>Job Aids>Age of building discussion guide.
Agent calls asking if this is eligible: customer purchased a training facility and will provide hitting instruction for baseball/softball as well as low risk strength training. Is this eligible? What resource did you use?
Not eligible.
Profile for Personal Trainer/Fitness Trainer/Coach & Amusement Center- not Amusement Park
What is BER? When is it calculated? What resources did you use to find your answer?
Business Experience Rating (BER) is an experience rating plan that will replace Claim History Rating (CHR) and the Claim Experience Rating Plan (CERP).
BER is only calculated (or recalculated) to be effective on the New Submission and Renewal effective dates. When the effective date of a transaction is not equal to the effective date of the term, the prior BER calculation is utilized.
OG1105-12-06 and job aid on BURC for PC.
An agent needs help with a CLUP quote for current SF contractor policy with $1mil liability limits. The quote tool will not allow you or the agent to calculate the $500,000 Section II premium. What do you do? What resource did you use?
**Bonus- what if the underling contractor policy is with another carrier?
Determine if the eff date/exp date match on the name screen. If so, Review contractor stat screen for additional liability/AI lines. Next, advise the agent you need to get info from Service. Then call audit Service and ask for an annual quote back to the flat effective date for $500k liability plus all other Section II premiums. Wait for case to be reassigned to you from Service with premiums. Call the agent and continue with CLUP quote. If policy terms do not match, send case to RG Service Audity/Non-audit.
**determine eligibility, if eligible, the agent will need to do a contractor quote at $500K
Can a name/entity change be made and if so, what type?
Yes. Only if change in ownership with at least 50% of common ownership remaining after the change. Trustee can also be changed as long as the trust stays the same.
What is the formula to calculate the wind/hail deductible dollar amount? What is the requirement of this dollar amount?
**Bonus- when can the w/h deductible be changed?
Coverage A-aux structures X w/h ded %. That dollar amount must be more than all peril wind hail deductible.
It cannot be changed mid-term. Only if all peril is changed which requires the w/h ded to change.
Agent calls stating he has a client who is an employee for a local electrician that does both residential and commercial work. The business owner requires the employees to use their own tools. The agent is asking if we can cover the tools for his customer. Is this eligible? If so, what program/product? Any additional questions?
*Bonus- what if this was an employee of a locksmith?
Eligible as standalone Mobile Equipment Inland Marine because this is a contracting type of risk. Need to determine amount, where are they kept, how are they secured, any previous losses. Found answer on Agency Hub-Commercial IM, Coverages & Endorsements.
*Bonus- still eligible but as Misc Articles as BOP type risk. Same questions apply.
Agt calls regarding an existing BOP policy in California that is classed as restaurant-incidental alcohol sales. The mortgage company wants the policy endorsed showing liquor liability. How is that done? What resource did you use for your answer?
It cannot be added.
MOD BURC> Liquor Liability
Rate manual- CA liability- shows as bolded. It has not been approved.
Can a new CLUP be written in Louisiana for a client that has 20 RDPs in LA insured with SF and 5 RDPs in Mississippi insured with SF? What resource can you find the information?
**Bonus- what if the insured has 6 RDPs in Mississippi, 5 with SF and 1 with another carrier?
Yes. Per the PL job aid, LA has no restriction and MS has restriction of 5, all are already insured with SF.
**No, a new CLUP cannot be written because MS has a restriction of 5 RDPs and the NI has 6. All risks are not eligible to be written with SF. Is there a way around this for the NI?
What is the insurance to value requirement?
90% min RC, 80% min ACV.
UGs
You are looking for information/resource that used to be on the BLRC site and cannot find it. What is a current resource to use to see where information you are looking for may now be located? Where is this current resource located?
BLRC Site Migration Info on the BLRC Resources OneNote.
Agent is asking where to classify this risk: 2 story building, first floor is rented out to a florist and a bakery, the second floor has 2 short term rental units. The building has the same square footage on the 1st and 2nd floors. The client only owns the building. What resource did you use?
*BONUS- what if there were 5 rental units? Are there any additional requirements?
Lessor risk- all other due to 50/50 split of square footage
BOP or Apartment UG
Bonus- Apartment program. Meet Apartment guidelines and if over 30 years utility replacement.
Agent calls on a policy that was just issued with an effective date of 10 days ago. the insured has advised that closing has been moved to next month. What is your answer and what resources did you use?
Policy must be flat cancelled back to effective date and rewrite full term transaction completed on the cancelled policy
OG1105-06 Section I (rewrites); OG 1105-06 Section 3
If an agent calls regarding an existing CLUP that was written in Florida and covers a BOP w/SF in GA, 1 RDP in FL w/SF, 6 RDPs in GA w/SF and 1 RDP in LA w/SF and advises the insured purchased 3 RDPs in AL that the insured wants covered by the CLUP, what is your answer? What, if anything, will happen to the existing CLUP? What resources did you use?
Alabama has a household limit of 5 RDPs. The insured has a total of 8 already insured, 11 total with the new 3. We will not be able to cover the 3 new RDPs under the CLUP. A CU 2316 needs added for the existing UL policies.
RDP lever doc, UGs.
What is happening on 7/20/26
**Bonus- what is pending CDI approval
Withdraw from RO market and begin non-renewal of policies. This also affects CLUPs with RO underlying.
**non-renew BOP policies with specific business descriptions & BOP policies over $5mil Cov A; change in location of tenant and BIR
What is IRPM? What policies can it be applied to? Is it a credit or debit? What are the characteristics? If it is removed, can it be added back on and if so, how? What resources can be used?
Individual Risk Premium Modification. All CMP policies except CLUP. All states except AK, CA, HI, ID, OR, WA. Applies at a certain premium threshold. Can be credit or debit. Characteristics are management, location, building features, premises/equipment, employees, protection, classification. Risk needs to have unique or superior characteristics that can be documented. PT with docs need submitted for review. Cannot be added mid-term. Can only be added by UW and form is only for UW. Rate manual, IRPM job aid