Policy Pros

Rotten

100

Your caller wants to add flood coverage to the policy. What should you do?

Transfer to Flood (Nutmeg)

200

NI has a current home policy and is buying new primary home. Can you quote it?

No

300

Is property damage liability per vehicle or per occurrence?

Per Occurrence

400

Customer is calling from the state of NM and wants an auto policy, What is a mandatory coverage we need to state to the customer?

Stacked Uninsured Motorist

500

NI calls and has a current home policy in NJ but is purchasing a second home in TX, can you quote this?

Yes

Apple

100

Valuable Items Blanket covers up to what dollar amount for a single jewelry item?

10k

200

NI states that the person who stays in room in his house owns a dog.  Do we need to develop that dog?

Yes! Any mention of a dog in the HH (even if its one they just watch for one of their kids sporadically) should be developed.

300

TrueLane Eligibility Requirements that must be asked for all phone models.

Has your phone been purchased NEW within 5 years? Does it have a data plan?

400

Property Details stated 50% ceramic, 50% carpet. NI says no more carpet, its vinyl plank and more ceramic. What do we do next?

Develop % of floor coverings fully and specify with customer. 

500

A home claim is shown on the quote. In order to be in compliance with LexisNexis what do we have to disclose for that loss?

Just the exact/full date. No embellishment on claim type etc. is needed.

Wildcard

100

Give a reason why a Florida caller with one vehicle may still want to stack Uninsured?

Stacked Uninsured Motorist coverage also applies to vehicles (rv, motorcycle, car in another state) which are owned by the insured or a family member that are not insured with The Hartford.

200

At issue, you find out that one of the vehicles on the policy is actually registered to the caller and his daughter, the other two are just in the caller's name. What do you do?

Let the caller know you will need to move the co-owned vehicle to a separate quote. Caller will need one policy for his two vehicles and a second policy for the co-owned vehicle 

300

Caller mentions her son doesn’t live with her but may drive her vehicle about 4x a year. She doesn’t want to add him to the policy, but wants to know if he will still be covered when he drives. Will her son have coverage?

"Yes, since he doesn’t live in the household and doesn’t drive on a regular basis, they are not an exposure, so they do not need to be added. However, they will be covered if they have the named insured's permission to drive those 4x throughout the year.

400

A caller describes her bathroom as having a tub, a separate shower stall, a toilet and a sink. What is the type of bathroom you select on property details page?

1.5 Bath

500

This caller says his roof is the original from when the house was built in 1995 but he is about to replace his roof, probably next week. What date should you put in for the year of the roof?

1995- and in order to get credit, what question should this trigger a spidey sense for?