Show:
INXS
Get Me There
Master/Mistress of the Castle
Take it over
Who's been sleeping in my bed?
100
What underlying policies do we require for an Excess Liability policy?
Primary home and auto
100
What supporting policy is required with the auto for the multi-policy discount?
Primary Home
100
What is an agent's binding authority for property?
Up to $1,000,000 for Coverage A
100
What is the automatic roll threshold (in terms of premium difference)?
$50
100
Will we allow a property manager to be listed as an Additional Insured?
Yes, a paid property manager can be listed as an Additional Insured.
200
How does an agent quote and submit an umbrella policy?
Use the Excel Rater to quote and obtain a signed ACORD application; fax or email to CIG.
200
How do we rate two young drivers who share a car?
They have to be rated on separate vehicles even if they share a car.
200
What types of waterfront exposures will Personal Lines write?
Lakefront, riverfront, no oceanfront.
200
Why should an agency roll a book to CIG?
Dedicated roll team that does most of the work, competitive pricing, renewal underwriting guidelines and increased commission.
200
What qualifies a risk with an out-of-state landlord?
A paid property manager is required
300
At what age(s) do we require a Medical/Physicians' Statement?
Age 75 for Medical Statement, Age 80 for Physician Statement
300
Why do we ask about other household members and non-drivers?
We confirm their exposure to CIG-insured vehicles.
300
What is the best way for an agent to underwrite possible claims for homeowners and dwelling fire policies?
Run an APLUS and call the underwriter to discuss before submitting.
300
What do we look at to qualify a book roll?
3 year history for written premium and Loss ratio
300
What is the maximum number of rental policies will we write WITH liability??
10
400
What type of excess liability form do we offer?
Following form: the exposure has to be covered under the home or auto policy to be covered by our umbrella policy.
400
Why would we allow an excluded driver?
Driver over the age of 16, a driver not licensed, a driver that doesn't qualify per underwriting guidelines, etc.
400
What types of business exposures will CIG write under a business endorsement?
Gross receipts under $250,000, certain classes, no/limited foot traffic, etc.
400
What does the roll team need in order to provide sample quotes?
20-25 dec pages with the DOB for home and the CDL/DOB for the auto.
400
How does Personal Lines handle dwellings titled to a trust?
Trustee/Executor as Named Insured, Trust as Additional Insured
500
DAILY DOUBLE!!!!
$10,000,000
500
Who can be a Named Insured?
A single person, married couple and registered domestic partners.
500
DAILY DOUBLE!!!
Vacancy, change in legal interest, material misrepresentation.
500
What is the commission schedule for a Personal Lines book roll?
22% for a standard book roll, 25% if the agency uses the Service Center AND the roll is at least 250k, 27% for Oregon and Washington rollovers
500
What two coverages are not automatically included on the dwelling fire policy?
Personal injury Protection (PIP) and Ordinance and Law