Reference - United Agencies Inc.
Transcription
Reference - United Agencies Inc.
Industry specific coverage and services designed to fit your client’s needs. Pacific Coast Regional Office California Nevada Confidential and proprietary. Not for distribution outside of Allied and Allied agencies. Looking to build your commercial book of business? It has never been a better time to partner with Allied. This year, we’re broadening our vision and working hard to make writing commercial easier than ever. We’ve expanded our coverage options and now offer enhancement endorsements for all of our Premier Businessowners and Allied Targeted programs. We understand the importance of superior service which is why at Allied, we offer safety training and loss control resources, flexible payment options and our world class claims representatives are available 24/7, 365 days a year. We are the 6th largest writer of Commercial Multi-Peril and Commercial Auto insurance which is why you can count on us to understand the specific needs of your business customers. Let’s make your job a little easier. We’d like to help give you the opportunity to provide your customers with the coverages they need. The format of this guide is consistent so it’s easy for you to quickly identify the types of risks that fit some of our most popular “preferred programs”. Within each program you will find these specifics: • A brief statement that explains our appetite • Specific classes of business in which we’re interested • Information about special coverages that might be available • And, a coverage checklist to help you identify the critical coverages for each industry Of course, this is just a guide; complete information about each program is available through the eLibrary which is available via the Allied Agent Center. The classification, eligibility and coverage descriptions found in this guide are summaries only. This summary does not include policy conditions, exclusions, and limitations; refer to policies for details of coverages. Any conflict between the policy and this summary, the provisions of the policy prevail. This guide is intended for reference only and is subject to change without notice. TABLE OF CONTENTS Premier Businessowners: Auto Service 10 Food Service 13 Habitational 18 Motel21 Office24 Process or Service 28 Retail32 Wholesale 37 Allied Targeted Programs: Allied Church Program 42 Contractors 45 Printers 51 Wholesalers & Distributors 55 Allied Other Lines of Business: Commercial Automobile 61 Commercial Package— Commercial Property & General Liability 64 Umbrella 70 Value Added Programs and Services: Loss Control 72 Bonds73 Allied General Agency 75 Claims76 Payment Plans 77 Premier Businessowners Premier Businessowners Premier Businessowners The Premier Businessowners program is generally for small to medium businesses that present low to medium premises/operations exposures and low products/ completed operations exposures. In the next few pages, you will find additional information about several of the Premier Businessowners programs that are written in your particular area of the country. While space in this guide doesn’t allow us to list all the eligibility rules and guidelines for every program, the information found in the following pages should give you a good idea of the types of risks Allied Insurance likes to write. And as you know, coverages may vary from program to program; generally speaking you will find that the Premier Businessowners programs provide broad property and liability protection for your clients. Here are a few of the main coverages that are included. Premier Property Protection • Replacement Cost Coverage • Special form causes of loss • Coverage is provided without a coinsurance provision. Additional Property Coverage • Business Income—Actual loss sustained* • Extra Expense—Actual loss sustained* • Equipment Breakdown • Appurtenant Structures • Debris Removal • Money and Securities • Back Up of Sewer or Drain Water Damage • Pollutant Clean Up and Removal • Increased Cost of Construction • Exterior Building Glass • Arson Reward for Conviction • Dependent Properties—Business Income Property Coverage Extensions • Newly Acquired or Constructed Property • Newly Acquired Locations—Business Income • Outdoor Signs Optional Property Coverages • Actual Cash Value • Employee Dishonesty • Ordinance or Law • Spoilage from Power Outage • Scheduled Property Floater • Ordinance & Law Blanket Sublimit *Options available for 3-24 months. 5 Premier Businessowners Premier Liability Protection Provides coverage for: • Bodily injury, property damage and personal injury and advertising injury • Premises/operations and products/completed operations • Medical payments • Tenant property damage legal liability • Waiver of Subrogation • Data Breach* • Automatic additional insured status: • Co-Owners of Insured Premises • Controlling Interests • Grantors of Franchises or Licenses • Lessors of Leased Equipment • Managers or Lessors of Leased Premises • Mortgagees, Assignees, or Receivers • Owners from Whom Land is Leased • State or Political Subdivisions • Supplementary payments coverage: • Cost of Defense Expenses • Bonds to Release Attachments • Expenses Incurred by Insureds at Our Request; • Costs Taxed against Insureds in a Suit Optional liability coverages: • Additional Insureds • Employee Benefits Liability • Garagekeepers Coverage • Hired and Non-Owned Auto Liability • Employment Practices Liability The Premier Businessowners Plus Endorsements are optional endorsements that are designed to work with the base businessowners coverage forms. Each Plus endorsement is customized with additional coverages unique to the program, and is available for the following BOP programs: • Auto Service • Process/Service • Food Service • Retail • Motel • Wholesale • Office *Data Breach Expense Reimbursement available on Inland Marine 6 Premier Businessowners Premier Businessowners The Premier Businessowners Advantage Endorsement (PB 20 99) is an optional endorsement designed to appeal to a wide range of insureds across all eight Businessowners programs. Also available is an Advantage endorsement with Employee Dishonesty Coverage (PB 20 98). Both coverages are available for the following BOP programs: • Auto Service • Process/Service • Food Service • Retail • Motel • Wholesale • Office • Habitational Advantage Endorsement Property Coverages We allow customers to “blanket” their protection. They can rest assured that they have the coverage they need at a price they can afford. • Customized limit: $100,000 up to $500,000 • The limit applies for all of the following coverages: • Accounts Receivable • Valuable Papers and Records • Debris Removal • Forgery or Alteration • Utility Services • Back-up of Sewer or Drain Water Damage • Increased coverage provided for their business personal property that is being transported or is at a non-owned location Advantage Endorsement Liability Coverages: • Watercraft increased from 26’ to 51’ • Bail Bonds, Daily Expense and Newly Acquired Organizations—coverages that increase the included limit • Bodily Injury definition now includes mental anguish, mental injury, shock or fright as a result of injury, sickness or disease 7 Businessowners Plus and Advantage Forms Property and Liability Coverage Forms Advantage Endorsement and Plus Endorsement Optional Coverages Complete BOP Protection Pricing Tools* And, don’t forget about all of the tools we have in place to help you get the best price for the accounts we want to write. • Multiple Policy Discount Plan • Multiple Building Credit Plan • Persistency Plan • IRPM—Individual Risk Premium Modification • Years at Premises Modifier • And others *Pricing tools are not available in all states or in all Premier Businessowners Programs. Pricing is subject to individual risk qualifications. 8 Premier Businessowners Premier Businessowners Auto Service Premier Businessowners Auto Service Program The Auto Service Program is for small to medium auto service and repair businesses. With our broad appetite, we are willing to write most auto service and repair businesses on our BOP program. We are especially interested in the businesses listed below. Classification Listing: Air Conditioning System Service or Repair Alignment & Brakes Auto Body Repair Auto Diagnostic Auto Glass Repair Car Washes Carburetor Shops Clutch Service or Repair (see Transmission) Detailing Electrical and Ignition Service or Repair Emissions Testing Engine Rebuilding General Automotive Service or Repair Muffler Shops Paint Shops Quick Lubes Radiator Service or Repair Sound Shops Tire Dealers Transmission Service or Repair Upholsterers Key Underwriting Guidelines: • An alarm is required if Theft Coverage is desired. • Sales of non-automotive products or services should not exceed 10% of total receipts. • There should be no sales of autos (i.e., no car dealerships). • No work on high performance vehicles, truck engines, or vehicles used in racing or competitive events. • Towing activities should be incidental; no contract towing operations. • Auto body shops must have UL approved paint booths that meet NFPA 33 standards. • Gasoline tanks should not exceed 20 years of age. • LPG sales require prior underwriter approval. • Risks should not have impound yards, rental operations, tire recapping operations, or split-rim work. • Other restrictions may apply; refer to Program Eligibility in the eLibrary for details. Auto Service 11 Auto Service Program Key Coverages: Auto Service Plus Endorsement (PB 20 00) Coverage Description Limit of Insurance Lock Replacement Expenses Deductible $1,000 None Employee Portable Tools & Equipment $1,000* each employee; $10,000* all employees $500 Transit Pollutant Clean-Up & Removal - In Aggregate $25,000 $500 *Optional limits available. • Garage Liability (PB 30 00) Provides coverage for customers’ automobiles while in the course of the garage operations. • Garagekeepers Coverage (PB 30 02) Protects an auto service shop against liability for damage to vehicles while in their care. • Broadened Garage Liability (PB 30 04) Provides additional coverage for both Defective Products and Faulty Work. Auto Service Coverage Checklist Coverage Form Garage Liability PB 30 00 Garagekeepers Coverage* PB 30 02 Appurtenant Structures2 Included Broadened Garage Coverage PB 30 04 Employee Tools and Equipment PB 20 00 Businessowners Advantage PB 20 99 Auto Service Plus Endorsement PB 20 00 1 Automatically included with occupant classification. Coverage included at 10% of the building limit up to $50,000 maximum. Additional limits may be scheduled. * Blanket garagekeepers at a single location is available 1 2 12 Premier Businessowners Food Service Food Service Program The Food Service Program is for establishments that prepare and serve food directly to a consumer. We will entertain a wide variety of restaurants within this program ranging from limited cooking to fine dining. Please refer to the eLibrary for a complete classification listing and underwriting guidelines. Classification Definitions: Family Style: A “full menu” restaurant that caters primarily to families. E.g., American Style, Asian, BBQ, California Cuisine, Chinese, Ethnic, Italian, Japanese, Mexican, Seafood, Steak House. Fast Food: A restaurant wherein food is purchased at a counter and then taken to the dining area to be consumed. These establishments typically also include take-out as well as drive thru service. They will include “limited cooking” type appliances as well as grills, broilers, deep fat fryers, roasters or BBQ’s. E.g., Chicken, Hamburger, BBQ, Hot Dog, Mexican, Oriental, Seafood. Fine Dining: A “full menu” restaurant wherein the average entree price is $14.00 or more as evidenced by their current menu. E.g., American Style, Asian, BBQ, California Cuisine, Chinese, Ethnic, Italian, Japanese, Mexican, Seafood, Steak House. Exquisite Fine Dining: An upscale “full menu” restaurant wherein the average entree price is $25.00 or more as evidenced by their current menu. (CA only) Full Menu: A restaurant that offers a variety of foods with waiter/waitress service at tables. Takeout is limited (less than 10%) and no drive-thru service is provided. Food preparation will use the full array of cooking methods. Limited Cooking: No cooking except by microwave or convection ovens, steamers or toasters. This class shall not include food preparation with deep fat fryers (excluding shallow donut fryers), grills, broilers, roasters, barbecuing, solid fuel cooking (e.g., wood), or other processes capable of producing grease-laden vapors requiring an exhaust system. E.g., Bagel Shop, Coffee Shop, Delicatessen, Ice Cream Store, Pasta Restaurant, Pizza Restaurant, Sandwich Shop, Yogurt Shop. Take-Out-Only: No beverages or food served for consumption on premises. There may be a small customer waiting area, however no tables or other facilities are provided for the customer to eat on the premises. 14 Classification Listing: American Restaurant Asian Restaurant Bagel Shop Barbeque Restaurant Cafeterial/Buffet Style Restaurant California Cuisine Chinese Restaurant Coffee Shop Mexican Restaurant Pasta Restaurant Pizza Restaurant Restaurant NOC Sandwich Shop Seafood Restaurant Steak House Yogurt Shop Delicatessen Donut Shop Drive-Thru Restaurant Ethnic Restaurant Franchised Fast Food Restaurant Ice Cream Shops Italian Restaurant Meal Preparation Store Premier Businessowners Food Service Program Key Underwriting Guidelines: • In business for at least three years under current ownership. • A financially sound and successful business. • Operate on a year-round basis. • Designed for restaurant or food service occupancy. • Located in protection classes 1-8 with paid fire response. • Meets the Americans with Disabilities Act requirements. • Properly protected with both smoke and fire alarms. • If liquor is served, these receipts may not exceed 25% of total gross receipts except: 35% for fine dining, 45% for exquisite fine dining in CA; 50% for NV. • Liquor Liability Coverage is available by endorsement; subject to liquor underwriting criteria. See the eLibrary or contact your underwriter. • Catering receipts should not exceed 50% of total gross receipts. • Fast Food restaurant risks should: • have total property exposure less than $2,000,000 per premises • not offer residential delivery • Restaurants of frame construction should contain property values of $1,000,000 or less unless protected by an automatic sprinkler system. Commercial Cooking Requirements: • All cooking equipment should meet NFPA 96 Commercial Cooking requirements. • An automatic extinguishing system protecting the hood, duct, and all surfaces of grills, ranges, deep fat fryers, broilers and stoves meeting UL-300 requirements. • A service contract for semiannual inspection and maintenance of the extinguishing system and quarterly flue cleaning. • A manual release device for the extinguishing system located in the path of exit from the cooking area. • Automatic thermostat controls with a high limit switch and fuel cut off to the deep fat fryers. • A regular in house cleaning schedule for hoods and filters with professional cleaning at least quarterly. • A minimum of 18 inches clearance between all hoods and ducts from combustible materials. • All lights in the hood of explosion proof type. Food Service 15 Food Service Program Key Coverages: Food Service Plus Endorsement (PB 20 02) Coverage Description Limit of Insurance Deductible Credit Card Forgery $5,000 $500 Credit Card Slip Theft, Disappearance or Destruction $5,000 $500 n/a n/a • Cooking Equipment Recharge Expenses $5,000 $500 • Clean-up Expenses (Accidental Discharge) $5,000 $500 • Loss of Income from Discharge $5,000 $500 $10,000 per premises; 24 hour wait Automatic Extinguishing System: Food Contamination – Loss of Income: $50,000 annual aggregate • Restoration Expenses $10,000 $500 • Additional Advertising Expense $5,000 $500 • Inoculation Expense Reimbursement $5,000 $500 $10,000 $500 Spoilage from Power Outage • Spoilage from Power Outage (PB 04 15) This endorsement provides coverage only for spoilage of perishable stock, including change in temperature or humidity, caused by power outage, whether on or off premises. This coverage is broader than the Utility Service endorsement, as the power outage cause of the loss does not need to be triggered by a covered cause of loss. This differs from the Utility Service endorsement, which requires a covered cause of loss to trigger the interruption of service. • Liquor Liability Coverage (PB 63 03) Coverage for the legal liability for bodily injury or property damage because of the insured’s serving or sale of alcohol to a customer. • Equipment Breakdown Coverage (included) Protects against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage. 16 Premier Businessowners Food Service Program Food Service Coverage Checklist Coverage Form Business Income Included Liquor Liability PB 63 03 Equipment Breakdown Included Permanently Installed Equipment Include in building Spoilage from Power Outage PB 04 15 Utility Services PB 04 56 Food Contamination PB 20 02 Businessowners Advantage PB 20 99 Food Service Plus Endorsement PB 20 02 Food Service 17 Premier Businessowners Habitational Premier Businessowners Habitational Program The Habitational program is generally intended for apartments, condominium associations and townhouse associations. Key Underwriting Guidelines: • Minimum lease term of 6 months, 12 month term is preferred. Signed lease agreement between the insured and each tenant is required. (Apartment only) • On-site management is recommended for all locations with more than 30 units. This can be a manager who lives on the premises full time or a manager who keeps regular office hours on-site. (Apartment only) • Recommended that all apartment tenants carry renters insurance. Ideally, the insured would include this in the written lease agreement and obtain certificates of insurance. • Condominiums should be at least 75% owner occupied (less than 25% rented out). • Condominium owners must have their own insurance. • Buildings 4 or more stories must be 100% sprinklered. • Other restrictions may apply; refer to program eligibility in the eLibrary for details. Property • Risks with more than 30 units should have a professional qualified maintenance staff, with an established preventive maintenance program. • Compliance with NFPA 70 – National Electric Code. • Apartment and Condominium buildings should have all dryer vents cleaned annually by a professional contractor. General Liability • Compliance with NFPA 101 – Life Safety Code. • Two means of egress from each living unit, except as permitted otherwise by NFPA 101 – Life Safety Code. • Buildings must be equipped with operational UL listed or approved central station monitored automatic fire detectors (smoke/heat): • Located in each residence. • Located in common areas. • Detectors should be hard wired and installed in accordance with NFPA 72 – National Fire Alarm Code. • Carbon monoxide alarms may be required • 1 or 2 story buildings equipped with battery powered detectors may be acceptable if: • Management has demonstrated its reliability with periodic testing and battery replacement. • The testing is documented. • Hardwired alarms with battery backup are required on any building over 2 stories. Habitational 19 Habitational Program Key Coverages: • Apartment Cooperative, Condominium and Townhouse—Directors and Officers Liability Insurance (PB 41 00) Habitational Coverage Checklist Coverage 20 Form Business Income Included Condominium Association PB 17 01 Directors and Officers Liability PB 41 00 Utility Services PB 04 56 Hired and Non-Owned PB 04 04 Businessowners Advantage PB 20 99 Businessowners Advantage Endorsement with Employee Dishonesty PB 20 98 Premier Businessowners Motel Motel Program The Motel program is generally intended for newer moderately priced franchised business class motel properties, which offer limited services and facilities. This program is not intended for the larger convention-oriented risks with a bar, tavern, or restaurant exposure in the same building. Key Underwriting Guidelines: • Motels should be affiliated with a national or regional franchise operations. Risks not associated with a national or regional franchise operation may be considered – please discuss with your underwriter. • Property should be less than 20 years old. • The motel must be in business under current ownership for a minimum of 3 years. • The motel must be open for year-round occupancy and maintain an occupancy rate of at least 60%. • The motel must be catering to guests needing overnight accommodations for a day or more. • Buildings must be 6 stories or less. Buildings 3 or more stories must be 100% sprinklered with a minimum 65 point ISO grading and proper alternative means of egress. • No rentals by the month or longer, bars, taverns, live entertainment, restaurants attached to the motel, or playgrounds. • Swimming pools, spas, hot tubs and fitness facilities are allowed if there is a daily written maintenance program or record, and no diving boards or slides on the pool. • Properties should be in protection classes 1-8. • Risks that serve a light breakfast or dinner requiring limited cooking are eligible. Kitchenette or other in-room limited cooking facilities are also acceptable. • Hard wired smoke and heat detectors and alarms must be present in all guest rooms. • Risks that offer free “Happy Hour” drinks for their guests (only) are eligible, only if a motel employee dispenses the drinks. • Other restrictions may apply, refer to program eligibility in the eLibrary for details. 22 Premier Businessowners Motel Program Key Coverages: Motel Plus Endorsement (PB 20 04) Coverage Description Limit of Insurance Deductible Computer Fraud & Funds Transfer Fraud $10,000 Subject to Policy Deductible Lost Master Key/Key Card $10,000 $500 Guest Relocation & Reimbursement Expense $10,000 $500 Contract Penalty $5,000 $500 $10,000 per item limit $500 Fine Arts Coverage $50,000 per occurrence limit • Liability for Guests’ Property (PB 58 01) Provides coverage for the motel’s legal liability arising out of loss of or damage to property of their guests, while such property is in the motel building or in the possession of the motel outside of the motel building. • Utility Services (PB 04 56) This endorsement insures against loss caused by the interruption of service of a specified utility when the interruption results from a covered cause of loss to the utility property. This endorsement is also extended to cover the loss of income beginning 12 hours after the interruption of service forces suspension of your operations. • Business Income Provides coverage for loss of business income sustained that occurs after the date of direct physical loss or damage. Coverage choices for the actual loss sustained (ALS) period range from 3 to 24 months. Motel Coverage Checklist Coverage Form Business Income Included Guests’ Property PB 58 01 Guest Relocation Expense PB 20 04 Utility Services PB 04 56 Lost Master Key/Key Card PB 20 04 Businessowners Advantage PB 20 99 Motel Plus Endorsement PB 20 04 Motel 23 Premier Businessowners Office 24 Premier Businessowners Office Program The Office program is for small to medium businesses, including owner occupants, lessors, and tenants that present low to medium premises/operations exposures. We are especially interested in those types of businesses listed below. Classification Listing: Accounting & Bookkeeping Firms Management Consultants Actuarial Services Medical Clinics Adjusters—Independent Mortgage Brokers Advertising Agencies Notaries—Public Appraisers—Real Estate Offices or Agencies—Condominiums Architects—Consulting Opticians Associations—including Trade Optometrists Attorneys Osteopathic Physicians Banks—Lessors Risk Only Physicians and Surgeons Bookkeeping Firms Physiotherapist Brokers—Stock, Commodity Podiatrists Business Management Professional Offices—NOC* Chiropodists Psychologists Chiropractors Public Relations Communication Consultants Real Estate Agents & Offices Dentists & Dental Surgeons Tax Return Preparations Draftsmen Ticket Agencies Educational Consultants Title Abstract Companies Financial Planning Consultants Travel Agencies Insurance Agents Veterinarians *Refer to underwriter. Office 25 Office Program Key Underwriting Guidelines: • Buildings should not exceed six stories in height. • Buildings should be occupied principally for office purposes. • Offices should not be in converted dwellings or operated from private residences. • There should be no armed employees or armed security services. • Optometrists should not have operations that go beyond the production, reproduction, mounting and fitting of glasses; they should not be involved in surgery; and they should not operate stores that also sell a variety of other products such as cameras, binoculars, microscopes, etc. • Veterinarians should not be employed or retained by a racetrack; they should not be employed by a farm or ranch specializing in high-valued stock; and they should not be involved in extensive treatment with experimental drugs or medicines. • Other restrictions may apply; refer to program eligibility in the eLibrary for details. Key Coverages: Office Plus Endorsement (PB 20 05) Coverage Description Limit of Insurance Deductible Lock Replacement Expenses $5,000 None Unauthorized Business Card Use $5,000 Subject to Policy Deductible $10,000 per item limit $500 Fine Arts Coverage $50,000 per occurrence limit Computer Fraud & Funds Transfer Fraud $10,000 Subject to Policy Deductible Laptop Computers – Worldwide Coverage $10,000 $500 Contract Penalty $5,000 $500 • Professional Liability Provides protection for a professional error or mistake made by the insured or by others performing work on their behalf. • Equipment Breakdown (included) Protects against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage. • Employee Dishonesty (PB 20 98) Coverage is included in the Businessowners Advantage Endorsement with Employee Dishonesty Coverage (PB 2098). Coverage is also built into the property coverage from with an option to increase limits. Protects against the loss of money, securities and property from the fraudulent act of an employee. 26 Premier Businessowners Office Program Office Coverage Checklist Coverage Form Business Income Included Equipment Breakdown Included Accounts Receivable Included Tenants Property Damage Legal Liability Included Hired and Non-Owned Auto Coverage PB 04 04 Utility Services PB 20 99 Employee Dishonesty PB 20 98 Veterinarians Professional Liability PB 08 05 Businessowners Advantage PB 20 99 Businessowners Advantage with Employee Dishonesty PB 20 98 Office Plus Endorsement PB 20 05 Office 27 Premier Businessowners Process or Service Premier Businessowners Process or Service Program The Process or Service program is for small to medium businesses, including owneroccupants, lessors, and tenants that present low to medium premises/operations and low products/completed operations exposures. We are especially interested in those types of businesses described below. Classification Listing: Addressing or Mailing Companies Appliances & Accessories Install, Service, or Repair Bakeries Barber & Beauty Shops Blueprinting Bookbinding Business Form Printing Copying and Duplicating Dental Laboratories Diaper Services Dry Cleaners & Laundries Embroidery Shops Engraving Funeral Homes or Chapels Lithographing Microfilming Service Nail Salons Pet Grooming Photo Finishing Photocopying Service Photoengraving Photo Finishing Shops Photography Studios Piano Tuning Plant Maintenance Services—Commercial Printing & Duplicating Shoe Repair Tailoring or Dressmaking Taxidermist Typesetting Uniform, Towel & Linen Services Watch, Clock, & Jewelry Repair Process or Service 29 Process or Service Program Key Underwriting Guidelines: • Property should occupy less than 25,000 square feet of mercantile space. • Operations should have less than $5,000,000 in annual gross receipts. • An additional 25,000 square feet of habitational or office space may be included. • Storage facilities may be included if they are located in a separate building owned by the insured which are incidental to an eligible process/service risk and do not exceed 25,000 square feet. • Off-premises installation, service, and/or repair exposures should not have receipts from those operations that exceed 25% of total receipts. • Risks cannot primarily be a contractor. • Barbers and beauticians should not offer services beyond the normal haircutting, perms, highlighting, tinting, manicures, pedicures, etc. Day spas, electrolysis, and permanent make-up risks are not eligible. • Dry cleaning plants should have retail outlets and should not do a substantial amount of specialty work such as furs, high-valued rugs; leathers, etc.. • Risks located in protection class 9 or 10 will need underwriter approval. • Professional liability is available for funeral directors, beauticians and printers. • Other restrictions may apply; refer to Program Eligibility in the eLibrary for details. Key Coverages: Service Plus Endorsement (PB 20 06) Limit of Insurance Deductible Lock Replacement Expenses Coverage Description $5,000 None Unauthorized Business Card Use $5,000 Subject to Policy Deductible $5,000 $500 $10,000 per item limit $500 Contract Penalty Fine Arts Coverage $50,000 per occurrence limit Computer Fraud & Funds Transfer Fraud $10,000 Subject to Policy Deductible Laptop Computers – Worldwide Coverage $10,000 $500 Contingent Transit $25,000 $500 Brands and Labels BPP Limit Subject to Policy Deductible • Printers Errors and Omissions Liability (PB 08 04) This is automatically included when an account qualifies for and is rated in the Printer class. This endorsement adds coverage for claims resulting from the insured’s negligent act, error or omission in providing printing services. 30 Premier Businessowners Process or Service Program Key Coverages Continued: • Barber or Beauty Shop Professional Liability (PB 08 01) This is provided for a professional error or mistake made by the insured or by others performing work on their behalf with respect to Barber or Beauty shop operations. • Funeral Directors Professional Liability (PB 08 02) Provides protection against claims for the rendering of or failing to render services for others in the conduct of the insured’s business as a funeral director or mortician. • Dry Cleaners EXTRA (PB 20 01) Amends the Limits of Insurance Section of the Property Coverage Form so the Business Personal Property Limit does not apply to the insured’s customers’ personal property while not in process. Sublimits are provided for loss to customers’ personal property while in the process of cleaning, laundering, pressing, altering, repairing, renovating or other similar processes. Optional sublimits are available. • Equipment Breakdown (included) Protects against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage. • Extended Business Income The business income period of indemnity may be extended beyond 60 days for an extra charge. Coverage may be extended in increments up to 360 days. Service Coverage Checklist Coverage Form Business Income Included Equipment Breakdown Included Hired and Non-Owned Auto Coverage PB 04 04 Employee Dishonesty PB 20 98 Printers Errors and Omissions Liability PB 08 04 Barber or Beauty Shop Professional Liability PB 08 01 Funeral Directors Professional Liability PB 08 02 Dry Cleaners EXTRA PB 20 01 Businessowners Advantage PB 20 99 Service Plus Endorsement PB 20 06 Process or Service 31 Premier Businessowners Retail Premier Businessowners Retail Program The Retail program is for small to medium businesses, including owner-occupants, lessors, and tenants that present low to medium premises/operations and low products/completed operations exposures. We are especially interested in those types of businesses shown below. Classification Listing: Appliance Stores Dry Goods Aquarium Sales & Supply Stores Electric Supplies Stores Art & Craft Supplies Stores Electronics Stores & Cell Phone Stores Auto Parts & Supplies Stores Fabric Stores Bakeries Feed Stores Barber or Beauty Supplies Stores Fireplace Equipment Stores Bath Shops Five & Ten Cent Stores Beer/Wine Stores Floor Covering Stores Bicycle Shops Florists Blanket & Bedspread Store Frame Shops Book & Magazine Stores Frozen Food Stores Bric-a-Brac or Curio Stores Fruit & Vegetable Stores Camera & Photographic Supplies Stores Furniture Stores Camping Equipment Stores Gasoline Station Candle Shops Gift Shops Candy, Nut & Confectionery Stores Glass Sales—Window, Plate or Mirror Card Shops Glassware Stores Carpet Stores Golf & Tennis Pro Shops Catalog Sales Stores Grocery Stores Ceramic Stores Hardware Stores Cheese & Sausage Specialty Stores Hearing Aid Centers or Stores China & Glass Stores Hobby Shops Clock Shops Home Furnishings & Accessories Stores Clothing Stores Jewelry Stores Coffee, Tea, & Spice Stores Kitchen Accessories Stores Convenience Stores Lamp & Lighting Fixtures Stores Cosmetic & Perfume Stores Lawn & Garden Supplies Stores Craft Shops Leather Goods Stores Curtains & Draperies Stores Luggage Stores Dairy Products or Butter & Egg Stores Meal Preparation Stores Department or Discount Stores Marine Supplies Stores Drug Stores Meat, Fish, Seafood, or Poultry Stores Dry Cleaners & Laundries Millinery & Trimmings Stores Retail 33 Retail Program Classification Listing Continued: Music and Video Stores Musical Instruments Stores Office Furniture Stores Office Machines Rentals & Leasing Office Machines & Equipment Office Supplies & Stationery Stores Optical Goods Stores Paint and Wall Coverings Stores Paper & Paper Products Stores Pet & Pet Supplies Stores Pharmacies Photographic & Camera Stores Photographic Equipment Supplies Piano & Organ Stores Plumbing Supplies & Fixtures Stores Pottery Shops Premium Coupon Redemption Stores Printing & Book Binding Supplies Stores Produce Stores Radio, TV, & Stereo Stores Record, Compact Disc, and Tape Stores Religious Goods Stores Sewing Machines Stores Shoe Stores Sporting Goods Stores Stationery Stores Strip Malls – Lessor’s Risk Television Stores Toy Stores Trophy Stores Vacuum Cleaner Sales & Service Variety Stores Video Rental Stores Wig Shops 34 Premier Businessowners Retail Program Key Underwriting Guidelines: • Property should occupy less than 25,000 square feet of retail or mercantile space (50,000 square feet for Strip Malls). • Operations should have less than $5,000,000 in annual gross receipts per location ($10,000,000 for Convenience Stores—with Gas Pumps or Gasoline Stations, no Repair). • Risks may have up to an additional 25,000 square feet of office or habitational space. • Risks may include storage facilities in a separate building owned by the insured which are incidental to an eligible retail risk and do not exceed 25,000 square feet. • Risks involved in off-premises installation, service, and/or repair exposures should not have receipts from these operations that exceed 25% of total receipts; they should: • maintains a reasonable amount of inventory, • operate from a retail location; • not primarily act as a contractor. • Risks should not be involved with commercial cooking which produces greaseladen vapors. • Occupancies with a high exposure to business personal property theft must have a UL certified alarm system. • Operations should not have more than 10% of receipts derived from rental of personal property (with the exception of video rental stores) and should not have more than 5% of receipts derived from sales of used merchandise. • Florists should not grow stock for sale by others; employ landscape gardeners or designers; have more than 25% of their sales derived from live plants; operate greenhouses; or care for live plants away from the insured location. • Other restrictions may apply; refer to Program Eligibility in the eLibrary for details. Key Coverages: Retail Plus Endorsement (PB 20 07) Coverage Description Brands & Labels Limit of Insurance Deductible BPP Limit None Lock Replacement Expenses $5,000 None Unauthorized Business Card Use $5,000 Subject to Policy Deductible Contingent Transit $25,000 $500 Contract Penalty $5,000 $500 Laptop Computers – Worldwide Coverage $10,000 $500 Computer Fraud & Funds Transfer Fraud $10,000 Subject to Policy Deductible BPP Limit Subject to Policy Deductible Pairs or Sets Retail 35 Retail Program Key Coverages Continued: • Hearing Aid Professional Liability (PB 08 03) Provides coverage for the rendering of or failure to render professional hearing aid services. • Optical Goods Professional Liability (PB 08 03) Provides coverage for the rendering of or failure to render professional optical goods services. • Pedorthist Professional Liability (PB 42 03) Provides coverage for the rendering of or failure to render professional pedorthic services. • Florists Misdelivery (PB 42 01) Provides coverage for florist’s errors and omissions. • Tenants Property Damage Legal Liability Provides coverage for the insured’s legal liability arising out of building damage caused by one of the Covered Cause of Loss under the Property Coverage Form. • Peak Season The BOP will automatically increase the business personal property limits by 25% to accommodate seasonal increases in values. • Glass Coverage This is included in the BOP Special coverage form for tenants required by lease to be responsible for glass. Be sure to include the value of glass in the business personal property limit. • D & O Optional coverage available for Retail Condominium building owners. Retail Coverage Checklist Coverage 36 Form Glass Included Peak Season Included Outdoor Sign Included Money and Securities Included Hired and Non-Owned Auto Coverage PB 04 04 Employee Dishonesty PB 20 98 Hearing Aid Professional PB 08 03 Pedorthist Professional Liability PB 42 03 Florists Misdelivery PB 42 01 Tenants Property Damage Legal Liability Included Businessowners Advantage PB 20 99 Retail Plus Endorsement PB 20 07 Premier Businessowners Wholesale Wholesale Program The Wholesale program is for small to medium businesses, including owneroccupants, lessors, and tenants. With our broad appetite, we are willing to write most wholesale businesses on our BOP program. We are especially interested in the businesses listed below. Classification Listing: Appliance and Home Furnishing Aquarium Supplies Architect’s Supplies Art, Craft and Hobby Supplies Audio—Visual Equipment Automobile Parts and Supplies Baked Goods Baker’s Supplies Bar Fixtures & Supplies Barber and Beauty Shop Equipment & Supplies Bath Accessories—not plumbing supplies Beer and Ale Distributors Beer Dispensing & Cooling Equipment Beverage Dispensing Supplies Billiard Equipment and Supplies Bolt, Nut & Screws Books and Magazines Bowling Lane Equipment & Supplies Building Materials Candy, Nut and Confectionery Canvas Goods and Supplies Cash Registers and Supplies Ceramic Supplies Church Furnishings Clothing or Wearing Apparel Coffee and Tea Cosmetics, Toiletries and Perfume Dairy Products Data Processing Supplies Delicatessen Provisions Dental Equipment and Supplies Display Fixtures and Materials Drafting Room Equipment and Supplies Dry Goods Electrical Equipment & Supplies Electronics Equipment, Fixtures or Supplies Fabric or Cloth Fence Fireplace Equipment 38 Floor Coverings Florists Frozen Foods Fruits & Vegetables Furniture Gardening & Light Farming Supplies Glass—Window, Plate, & Mirror Hardware Hearing Aid Supplies Heating and Air Conditioning Equipment Home Improvement Supplies Janitorial Supplies Jewelry Juices and Syrups Kitchen Accessories Lamps and Lighting Fixtures Laundry Equipment Luggage Marine Supplies Music ,Tape, Compact Disc or Records Musical Instruments Office Machines, Equipment and Supplies Optical Goods Paint, Wallpaper and Wall Coverings Paper and Paper Products Pet Supplies Photographic Equipment and Supplies Plumbing Supplies and Fixtures Printing and Book Binding Supplies Refrigeration Equipment and Supplies Restaurant Equipment Rubber and Plastic Stamps Sewing Machines Shoes Sporting Goods Stationary Supplies Store Fixture Tools—Machine Toys Premier Businessowners Wholesale Program Key Underwriting Guidelines: • Wholesale risks should not exceed: • 50,000 square feet in total floor area per location. • $2,000,000 in building values per location (if building coverage is provided). • $3,000,000 in business personal property values per location (if Personal Property Coverage is provided). • $8,000,000 per location in annual gross receipts. • The insured should not distribute goods or products under their own brand or label. • Risks directly importing products from foreign countries, please refer to your underwriter for consideration. • Occupancies with a high exposure to Business Personal Property theft must have a UL certified alarm system (i.e., electronics). • Risks should not make more than 25% of their sales to retail customers. • There should be no armed employees or armed security services. • Businesses should not be operated from a private residence. • Risks located in protection class 9 or 10 will need underwriter approval. • Risks not meeting the above guidelines may be considered for Allied Series Wholesale Program. • Other restrictions may apply; refer to Program Eligibility in the eLibrary for details. Key Coverages: Wholesale Plus Endorsement (PB 20 08) Coverage Description Limit of Insurance Deductible BPP Limit Subject to Policy Deductible Lock Replacement Expenses $5,000 None Unauthorized Business Card Use $5,000 Subject to Policy Deductible Contingent Transit $25,000 $500 Contract Penalty $5,000 $500 Laptop Computers – Worldwide Coverage $10,000 $500 Computer Fraud & Funds Transfer Fraud $10,000 Subject to Policy Deductible BPP Limit Subject to Policy Deductible Brands and Labels Pairs or Sets Wholesale 39 Wholesale Program Key Coverages Continued: • Business Income—Dependent Properties Coverage Provides Business Income Coverage when a supplier or an anchor store the business relies on to operate suffers a loss of its own, forcing the business to close temporarily until an alternate supplier is found or they reopen. • Contingent Transit Coverage (PB 20 08) Coverage is included in the Wholesale Plus Endorsement. • Accounts Receivable Coverage This is in the Businessowners base form and can be increased by the Advantage Endorsement. It pays the increased costs of collecting accounts, re-establishing the accounts receivable records and any amounts uncollectible as a result of the destruction of accounts receivable records. Wholesale Coverage Checklist Coverage 40 Form Business Income Included Business Income with Dependent Properties Included Accounts Receivable Included Peak Season Included Hired and Non-Owned Auto Coverage PB 04 04 Utility Services PB 04 56 Spoilage from Power Outage PB 04 15 Contingent Transit Coverage PB 20 08 Businessowners Advantage PB 20 99 Wholesale Plus Endorsement PB 20 08 Allied Target Program Allied Target Programs Allied Target Program Allied Church Program Allied Church Program The Allied Church program is for religious organizations whose principal activities involve holding religious services and ceremonies. All denominations may be considered. We are especially interested in churches that meet the basic eligibility and underwriting guidelines described below. Key Underwriting Guidelines: Allied Target Program • Locations must be utilized principally to hold religious services and ceremonies. • The church must own and insure its own building. Leased premises are not eligible. • Locations occupied for the following or similar purposes may be included if written in conjunction with the primary church locations: residences for pastors and/or other employees; religious educational facilities (not including church-sponsored elementary, junior high, middle, senior high, or post-secondary schools); sale of religious publications or articles; and church administrative offices. • The program is not available for the following types of occupancies: health care facilities; homes for the aged; orphanages; residential properties except the parsonage; commercial or industrial properties; recreational facilities open to the public; religious camps or retreats. • The program is not available for day-care and/or pre-school facilities operated either by the church or outside independent organizations using church facilities. Key Coverages: Commercial Property Plus Endorsement - Churches (CP 7033) Coverage Description Church Money and Securities Coverage Employee Dishonesty Coverage Limit of Insurance Deductible $5,000 per occurrence Subject to Policy Deductible Increased to $10,000 before, during and after a major holiday $10,000 Subject to Policy Deductible Parsonage Appurtenant Structures 10% of scheduled parsonage limit Subject to Policy Deductible Limited Business Income Coverage $25,000 Actual Loss Subject to Policy Deductible Back Up or Overflow Water Damage $5,000 per building; Subject to Policy Deductible $25,000 per policy • Counseling Professional Liability (GA 44 and CG 7001) Optional coverage for church officers, boards of trustees, other governing bodies, and individual clergy. • Directors and Officers Liability (CG 7018) Optional coverage for church officers, directors, trustees, clergy, or other governing bodies. Allied Church Program 43 Allied Church Program Allied Church Program Coverage Checklist Coverage Money and Securities Parsonage Musical Instruments Employee Dishonesty Counseling Professional Liability 44 Form CR 0304 Included if scheduled IM 1055 CR 0308 GA 44; CG 7001 Directors and Officers Liability CG 7018 Hired and Non-Owned Auto CG 7003 Commercial Property Plus Endorsement—Churches CP 7033 Allied Target Program Contractors 45 Contractors Program The Allied Contractors program is for small to medium contractors specializing in a particular type of construction work with a limited amount of work done by subcontractors. We are especially interested in those types of contractors described. Many of the classifications shown below have specific limitations and/or restrictions that are more fully explained in the eLibrary. This listing is provided to give you a general idea of the types of contractors in which we are interested. Classification Listing: Air Conditioning Systems or Equipment—Installation, servicing, or repair* Appliances & Accessories—Installation, servicing, or repair Ceiling or Wall Installation—Metal Concrete Construction—No street or road work* Driveway, Parking Area, Patio, or Sidewalk—Paving or repairing* Drywall or Wallboard Installation* Electrical Work—Within buildings Fence Erection Furniture or Fixtures—Installation in Offices or Stores—Portable—metal or wood Garage Door Installation—Metal Glass Dealers and Glaziers—Including auto glass work Heating or Combined Heating and Air Conditioning Systems or Equipment* House Furnishings Installation Janitorial Services Landscape Gardening Lawn Care Services Masonry Office Machine or Appliances—Installation, inspection, adjustment, or repair Painting—Exterior—Buildings three stories or less in height* Painting—Interior—Buildings or structures Paperhanging Plumbing—Commercial and industrial* Piano Tuning Prefab Building Erection—No concrete Refrigeration Systems or Equipment—Installation, servicing, or repair—commercial Septic Tank Systems—Cleaning* Sign Painting or Lettering—Inside of buildings Swimming Pool Servicing Television or Radio Installation or Repair Tile, Stone, Marble, Mosaic, or Terrazzo work—Contracted (subcontracted work-on all policies) *Must be discussed with underwriter prior to binding. 46 Contractors Program Key Underwriting Guidelines: • Commercial and Residential Repair Contractors • The cost of subcontracted work should not exceed 25% of total receipts. • 1 year with insurance for that year. • Other restrictions may apply; refer to program eligibility in the manual for details. Allied Target Program Key Coverages: Contractor’s Advantage (IMA 323) Coverage Description Business Personal Property Business Income & Extra Expense Coverage Limit of Insurance $10,000 Actual Loss Sustained Deductible $500 $500 Money & Securities Coverage $10,000 $500 Valuable Papers & Records Coverage $10,000 $500 Accounts Receivable Coverage $10,000 $500 EDP Coverage $10,000 $500 Employee Dishonesty Coverage $5,000 $500 Installation Coverage $10,000 $500 Contractor’s Equipment Coverage $10,000 $500 Debris Removal $5,000 $500 Property in Transit $10,000 $500 Pollutant Clean Up & Removal $10,000 $500 Equipment Leased or Rented from Others $50,000 $500 Master Key Coverage Contractor’s Coverage – Rental Reimbursement $5,000 $500 $250 per day; $5,000 max. $500 Contractors 47 Contractors Program Key Coverages Continued: Increases the following limits provided in the Contractor’s Advantage Endorsement. Contractor’s Advantage Plus (IMA 324) Coverage Description Limit of Insurance Installation Floater $25,000 Contractor’s Equipment Coverage $25,000 Property in Transit $25,000 Contractor’s Enhancement Endorsement (CG 7288) Coverage 48 Description Limit of Insurance Additional Insured - When Required in an Agreement or Contract with You Provides automatic additional insured status for persons or organizations with whom the insured has agreed to add as part of a valid written agreement or contract. This includes: • Lessors of Leased Equipment • Managers or Lessors of Premises • State or Political Subdivision - Permits • Owner/Lessees, or Contractors Policy Limits Aggregate Limit Per Project Policy Aggregate Limit modified to Aggregate Limits Per Project Policy Limits Blanket Waiver of Subrogation If required by written contract, insurer waives right to subrogation Policy Limits Broadened definition of Bodily Injury Definition includes mental anguish Policy Limits Damage to Premises Rented to You Extends damage to premises rented to the named insured to include fire, lightning, explosion, smoke or sprinkler leakage damage $ 300,000 included Expanded Property Damage Provides property damage coverage to personal property in the insured’s care, custody and control $5000 subject to a $250 deductible Contractors Program Key Coverages Continued: Contractor’s Enhancement Endorsement (CG 7288) Continued Description Limit of Insurance Policy Limits Knowledge of an Occurrence Clarifies named insured’s obligation to notify of an occurrence when specific insured’s have knowledge Liberalization Coverage broadened when coverage form broadened without additional premium as approved by state Limits per coverage form changes Lost Key Coverage Provides coverage for keys that are lost while in the insured’s care, custody and control $5,000 occurrence limit Medical Payments Per Policy Forms $10,000 Newly Formed and Acquired Organizations Per Policy Forms Increased to 180 days Non-Owned Watercraft Included for watercraft up to 51 feet Supplementary Payments Per Policy Forms Increased to $ 2,500 for Bail Bonds, $500 per day for loss of earnings Unintentional Failure to Disclose Hazard Per Policy Forms Policy Limits Voluntary Property Damage Provides coverage at the Insured’s request for damage to property of others caused by the insured while in their possession and arising out of their operations Allied Target Program Coverage Policy Limits $500 • Contractor’s Enhancement Plus (CG 7323) includes: – All coverages included with the Contractor’s Enhancement Endorsement (CG 7288) – Primary and Non-Contributory for Additional Insureds – Aggregate Limit Per Location – Broad Form Named Insured – Employee Bodily Injury to Another Employee Contractors 49 Contractors Program Key Coverages Continued: • Contractor’s Advantage Form (IMA 323) This is an optional form that is a compilation of valuable Property and Inland Marine Coverages designed to provide the coverages needed by small artisan contractors by insuring their property and equipment exposures under a single policy. • Expanded Property Damage Endorsement (CG 7035) This is an optional endorsement that provides additional Property Damage Coverage ($5,000 limit) to personal property in the care, custody, or control of the insured and for property damaged as a result of the insured’s operations. Insured must be legally obligated to pay for coverage to apply. Additional increased limits are available. • Contractor’s Advantage Plus Form (IMA 324) This is for contractors who need higher limits for their Installation and Contractor’s Equipment exposures. Allied Contractor’s Coverage Checklist Coverage Installation Coverage IMA 323; IMA 324 Contractor’s Equipment Coverage IMA 323; IMA 324 Expanded Property Damage CG 7035 Business Income & Extra Expense Coverage IMA 323 Property in Transit IMA 323 Contractor’s Advantage IMA 323 Contractor’s Advantage Plus IMA 324 Contractor’s Enhancement Endorsement or Enhancement Plus 50 Form CG 7288 or CG 7323 Allied Target Program Printers 51 Printers Program The Allied Printers program for commercial printers is designed for the third party printer and provides flexible, comprehensive coverage at a reasonable cost. Major printing processes are letterpress, lithography, gravure, and flexography. Offset printing contains the largest share of the printing industry’s dollar volume. Lithographic, or offset, printing has gradually replaced letterpress and is now the most widely used printing process. Key Underwriting Guidelines: • Coverage may be provided only for those commercial printers doing printing jobs for third parties. • The program is not available for publishers and newspaper and/or “shopper” publishers. • The program is not available for printers with annual gross sales exceeding $10,000,000. • Proper and frequent disposal of waste in approved containers is highly desirable. Flammable liquids should be stored in approved safety cans, and residues should not be dumped into normal drains or sewers. • Housekeeping and general maintenance should be average or better, especially in any paper storage or binding areas of the plant. The general public, including customers, should not have access to any work areas. • There should be adequate ventilation, particularly at floor level, to prevent the collection of vapors. Ventilation ducts should be cleaned regularly. • All equipment should be bonded and grounded, and presses should be equipped with static eliminators. • Adequate quality control of printed material is of extreme importance. Production documents should be kept up to date. • Customers should proofread and approve material prior to final printing. The customer contract should include a hold harmless agreement, if at all possible. • If the insured subcontracts any printing jobs, the insured should require the subcontractor to carry adequate insurance, including errors and omissions liability coverage. 52 Printers Program Key Coverages: Commercial Property Protection Plus – Printers (CP 7027) Preservation of Property Cost Limit of Insurance Deductible 45 days n/a $1,000,000 Subject to Policy Deductible Valuable Papers and Records $25,000 Subject to Policy Deductible Property Off Premises $25,000 Subject to Policy Deductible Outdoor Property $10,000 Subject to Policy Deductible Personal Effects $15,000 Subject to Policy Deductible Property of Others $10,000 Subject to Policy Deductible Increased Cost of Construction $25,000 Subject to Policy Deductible Fire Dept. Service Charge $5,000 Subject to Policy Deductible Business Income $25,000 Subject to Policy Deductible Extra Expense $25,000 Subject to Policy Deductible $25,000 per location Subject to Policy Deductible Money and Securities $5,000 Subject to Policy Deductible Fire Extinguisher Recharge $10,000 Subject to Policy Deductible Property In Transit $25,000 Subject to Policy Deductible $5,000 per building; $25,000 aggregate Subject to Policy Deductible $10,000 Subject to Policy Deductible $5,000 per occurrence; $10,000 aggregate Subject to Policy Deductible Arson Reward $5,000 Subject to Policy Deductible Damaged Master Key $5,000 Subject to Policy Deductible 1,000 feet Subject to Policy Deductible Newly Acquired or Constructed Real Property Accounts Receivable Back Up of Sewer or Drain Water Employee Dishonesty Spoilage of Perishable Goods Premises boundary increased Allied Target Program Coverage Description • Printers Errors and Omissions (GA 46 and CG 7001) Optional coverage that provides E&O Coverage which the insured becomes legally obligated to pay as damages because of any negligent act, error, or omission. • Bailees Customers Goods (CP 7027) Coverage is included within the Property Protection Plus Endorsement with options in the Gold and Platinum Plus Endorsements to increase coverage. Protects the property that customers leave in the business’ care for cleaning, storage or work. • Transportation Coverage (CP 7027) Coverage is included within the Property Protection Plus Endorsement with options in the Gold and Platinum Plus Endorsements to increase coverage. Provides protection for personal property while it is off the insured’s premises. Printers 53 Printers Program Allied Printers Coverage Checklist Coverage Business Income CP 7027 Bailees Customers Goods CP 7027 Accounts Receivable CP 7027 Tenants Property Damage Legal Liability Included Hired and Non-Owned Auto Coverage CG 7003 Transportation Coverage CP 7027 Valuable Papers CP 7027 Property Protection Plus CP 7027 Printers Errors or Omissions 54 Form GA 46; CG 7001 Allied Target Program Wholesalers & Distributors 55 Wholesalers and Distributors Program The Allied Wholesalers & Distributors program is for businesses selling products mainly for resale by other businesses or for business use, as opposed to a manufacturer selling directly to the household consumer. Classification Listing: Air Conditioning Systems or Equipment Appliances—Household Type Automobile Parts & Supplies Barber or Beauty Shop Supplies Beverages—Non-alcoholic & Beers Clothing or Wearing Apparel Electrical Equipment Equipment, Fixtures or Supplies Fabrics—New Goods or Textiles Printers Floor Coverings Frozen Foods Fruits or Vegetables Groceries Hardware & Tools Heating and/or A/C Systems or Equipment Ice Janitorial Supplies Office Equipment, Fixtures or Supplies Office Machines or Appliances Paper Products Plastic or Rubber Goods Printers or Electrotypers Supplies Sporting Goods Yard & Garden Equipment 56 Wholesalers and Distributors Program Key Underwriting Guidelines: Allied Target Program • Wholesalers and distributors are eligible for this program if they meet the following definitions: A “wholesaler” is a business selling merchandise for resale to manufacturers, builders, contractors, or others for use in their business, or as raw materials. A “distributor” is a merchant or intermediary who sells products mainly for resale or business use and who sells chiefly to dealers or stores, other merchants, industrial, institutional, and commercial users. • Smaller wholesalers and distributors that do not meet the limits and receipts guidelines may qualify for our premier businessowners wholesalers program. • Total floor area must be greater than 50,000 square feet. • Do not use basement areas not open to the public in computing floor areas for buildings or personal property. • Building values must be greater than $2,000,000, if building coverage is provided. • Business Personal Property must be greater than $3,000,000 or annual gross receipts must be greater than $8,000,000. • Risks should not derive more than 10% of gross annual sales from the installation, service, or repair of any product sold by the risk or from the sale of products to an ultimate household consumer. • Risks should not do any manufacturing, processing, repackaging, modifying, etc. of products sold under their own label or the label of others. (For example, bottling, icemaking, meat cutting, etc.) • Risks should not derive more than 25% of its gross annual sales from the sale of foreign manufactured products and should not sell products as the sole U.S. distributor for a foreign entity. • Risks should not operate primarily as a broker, manufacturers’ rep, warehouser, freight forwarder, haul-for-hire trucker, telemarketer, etc. • Other restrictions may apply; refer to Program Eligibility in the eLibrary for details. Wholesalers & Distributors 57 Wholesalers and Distributors Program Key Coverages: Commercial Property Protection Plus—Wholesalers (CP 7069) Coverage Description Limit of Insurance Deductible Premises Boundary Increased 1,000 feet n/a Preservation of Property Cost 45 days n/a $1,000,000 real property and $500,000 personal property Subject to Policy Deductible Valuable Papers and Records $25,000 Subject to Policy Deductible Electronic Data $10,000 Subject to Policy Deductible Property Off Premises $25,000 Subject to Policy Deductible Outdoor Property $10,000 Subject to Policy Deductible Personal Effects $15,000 Subject to Policy Deductible Property of Others $10,000 Subject to Policy Deductible $25,000 or 10% Subject to Policy Deductible Fire Department Service Charge $5,000 Subject to Policy Deductible Business Income $25,000 Subject to Policy Deductible Extra Expense $25,000 Subject to Policy Deductible Accounts Receivable $50,000 per location Subject to Policy Deductible Money and Securities $10,000 Subject to Policy Deductible Fire Extinguisher Recharge $10,000 Subject to Policy Deductible Newly Acquired or Constructed Real Property Increased Cost of Construction Property In Transit $25,000 Subject to Policy Deductible $5,000 per occurrence; $25,000 aggregate Subject to Policy Deductible $10,000 Subject to Policy Deductible $5,000 per occurrence; $10,000 aggregate Subject to Policy Deductible Arson Reward $5,000 Subject to Policy Deductible Damaged Master Key $5,000 Subject to Policy Deductible Forgery or Alteration $5,000 Subject to Policy Deductible Salesperson Samples $10,000 Subject to Policy Deductible Back up of Sewer or Drain Water Employee Dishonesty Spoilage of Perishable Goods 58 Wholesalers and Distributors Program Key Coverages Continued: • Commercial Property Protection Plus—Wholesalers (CP 7069) An optional coverage that provides special coverages and limits. • Transportation Coverage (CP 7069) This is included within the Property Protection Plus—Wholesalers Endorsement. It provides protection for personal property while it is off the insured’s premises. Allied Target Program • Accounts Receivable (CP 7069) This coverage pays the increased costs of collecting accounts, re-establishing the accounts receivable records and any amounts uncollectible as a result of the destruction of accounts receivable records. • Spoilage of Perishable Goods (CP 7069) This coverage is included within the Property Protection Plus Endorsement. It provides reimbursement for the lost perishables in the refrigeration units if they break down or the power goes out. Allied Wholesalers and Distributors Coverage Checklist Coverage Form Business Income CP 7069 Accounts Receivable CP 7069 Money and Securities CP 7069 Hired and Non-Owned Auto Coverage CG 7003 Utility Services CP 7132 Spoilage of Perishable Goods CP 7069 Transit Coverage CP 7069 Wholesalers & Distributors 59 Allied: Other Lines of Business 60 Allied: Other Lines of Business Allied: Other Lines of Business Commercial Automobile 61 Commercial Automobile Policy The commercial auto policy is designed to comprehensively cover your commercial clients. It can be written with other commercial policies or it can be written on a monoline basis. Please contact your Commercial Underwriter or refer to the Allied Agent Center for eligibility and acceptability for your customer’s business auto needs. Here are some of the coverages available: Coverage Options: • Liability • Medical payments • Uninsured/Underinsured Motorist • Comprehensive • Collision • Hired Auto • Hired Physical Damage • Non-Owned Auto • Drive Other Car • Rental Reimbursement • Audio, Visual and Electronic Data Equipment • Auto Loan or Lease Gap Coverage • Business Auto Advantage Endorsement Key Coverages: Business Auto Extension Endorsement AC0102—automatically included at no charge: • Blanket Additional Insured • Accidental Airbag Discharge Coverage • Glass Repair—Waiver of Deductible • Notice of Occurrence • Unintentional Failure to Disclose Hazards • Autos Hired Or Rented By Employees • Emergency Lockout—Private Passenger Vehicles • Adds coverages for which no premium charge is made. Examples include: • Symbol 7 to include newly acquired vehicles for 30 days • Trailers are automatically covered for Liability • Coverage for Auto Advertising Wrap Business Auto Advantage Endorsement AC0101A: • Newly Acquired or Formed Entities • Temporary substitute—Physical damage • Employees As Insureds—Non-Owned Autos • Supplementary Payments—Bail Bonds—Limit is $2,500 • Supplementary Payments—Loss Of Earnings—Limit per day $500 • Fellow Employee—Officers, Managers and Supervisors • Personal Effects and Property of Others—Includes $500 property of insured and $250 personal property of others 62 Commercial Automobile Policy Business Auto Advantage Endorsement AC0101A Continued: • Hired Auto Physical Damage—Including loss of use • Expanded Towing Coverage • $100 coverage for private passenger • $250 coverage for other vehicles • Rental Reimbursement Coverage—$75 per day for 30 days • Expanded Transportation Expense—stolen vehicles—$50 per day up to $1,000 limit • Extra Expense—Stolen Autos—Coverage for up to $5,000 for the expense of returning a covered “stolen auto” to you • New Vehicle Replacement Cost—Applies to private passenger vehicles and other vehicles with a gross vehicle weight of 20,000 pounds or less which are less than 365 days old, for a total loss. • Blanket Waiver of Subrogation—Coverage for waivers of subrogation which are required by a written contract Allied: Other Lines of Business • Auto Loan or Lease Coverage—This provision has been revised to remove the reference to the application of a deductible Larger Fleets? Specialized Program • 20 Power Units or more •L ow to Medium Hazard Grade •3 year loss ratio of 40% or less •S trong financials, ownership experience, MVR verifications and vehicle maintenance program Contact your underwriter. 63 Allied: Other Lines of Business Commercial Package— Property & General Liability Our company has a broad appetite for commercial business which is why we offer a Comprehensive Package Policy in addition to our Premier Businessowners Policy and Allied Target Programs. Our Package has a broad selection of classes, discounted pricing tools and the ability to tailor coverage to each unique business. You can build a customized policy from scratch using a combination of ISO coverage forms and endorsements and expand the coverage by adding our Plus endorsements and other endorsements offered only by Allied Insurance. Risk Selection: You, our agents, play a major role in the underwriting process. We rely on you to provide much of the information needed in risk selection and pricing. We appreciate your suggestions to our underwriters. Often your personal knowledge of the insured and the operations is more important than all other information we are able to develop. We base selection and pricing on individual risk characteristics. The following basic points are among those considered: • Location: suitability for operations • Exposures: hazards presented by surrounding property • Construction: appropriateness for operations; possible contribution of building material or design to loss • Occupancy: hazards; susceptibility to damage • Protection: public or private efforts taken to prevent or reduce loss • Management: experience, capability, cooperation • Maintenance: care taken to preserve property • Housekeeping: efforts to keep premises clean, orderly and free of unnecessary hazards • Business Potential: probability of success sufficient that continuation of operations is desirable and affordable • Loss Experience: frequency, cause and severity of claims; action taken where possible to prevent recurrence. • Rates: adequacy of premium possible within our filings 64 Commercial Property Valuation: We require all buildings to be insured to the proper value. • Actual Cash Value: The amount it would cost to repair or replace covered property, at the time of loss or damage, with material of like kind and quality, subject to a deduction for deterioration, depreciation and obsolescence. • Replacement Cost Coverage: Current rules in most states permit writing Replacement Cost Coverage on buildings and most contents. We are willing to provide Replacement Cost Coverage on most accounts so long as the amounts of insurance are sufficient to approximate replacement cost and the property insured has use value. • Agreed Amount: Current rules in most states permit use of the Agreed Amount Endorsement. We are willing to provide coverage on this basis if amounts of insurance equal replacement cost. Please refer to underwriting. Coverage Enhancements: Property Protection Plus Gold Protection Plus Platinum Protection Plus Accounts Receivable $25,000 $50,000 $150,000 BLKT* Back Up of Sewers or Drains $5,000/ $25,000 $25,000 $100,000 Coverage Description Brands & Labels Business Income Extra Expense Only Business Income & Extra Expense Dependent Prop (Limited) Business Income without Extra Expense Claim Data Expense Including Inventories & Appraisals Computer – Data & Media Computer – Hardware Not Included $25,000 $50,000 $25,000 $50,000 $100,000 Not Included $25,000 $50,000 $25,000 $50,000 $100,000 Not Included Not Included $10,000 $10,000 $25,000 $150,000 BLKT* Not Included $25,000 $150,000 BLKT* Computer – Laptop/Off Premises Not Included Not Included $5,000 Consequential Loss – Pairs & Sets Not Included Not Included $10,000 1,000 feet 1,000 feet 1,000 feet Covered Property Territory Credit Card Invoices Debris Removal Not Included $1,000 $5,000 $25,000 $25,000 $150,000 BLKT* Allied: Other Lines of Business Commercial Property Protection *These limits are all included in the $150,000 blanket total limit. 65 Commercial Property Coverage Enhancements Continued: Commercial Property Protection Coverage Description Employee Dishonesty Fine Arts Gold Protection Plus Platinum Protection Plus $10,000 $10,000 $25,000 Not Included $25,000 $50,000 Fire Dept. Service Charge $5,000 $10,000 $25,000 Fire Extinguisher Recharge Expense $10,000 $25,000 $50,000 Forgery & Alteration $5,000 $10,000 $25,000 Not Included $25,000 Included in building limit Key and Lock Replacement $5,000 $5,000 $5,000 Money & Securities On & Off Premises $5,000/ $5,000 $10,000 $25,000 Newly Acquired or Constructed Property (Personal Property) $500,000 $500,000 $500,000 Newly Acquired or Constructed Property (Building) $1,000,000 $1,000,000 $1,000,000 Ordinance or Law – A Not Included $50,000 Included in building limit Ordinance or Law – B&C Not Included $25,000 $150,000 BLKT* $10,000 $10,000 $25,000 $500 item/ $10,000 $500 item/ $25,000 $1,000 item/ $50,000 Personal Effects $15,000 $25,000 $150,000 BLKT* Personal Property Off Premises (Unscheduled locations) $25,000 $25,000 $50,000 Pollutant Clean Up & Removal $10,000 $15,000 $25,000 Foundation Outdoor Radio & TV Antennas Outdoor Trees, Shrubs or Plants Property in Transit $25,000 $25,000 $50,000 Property of Others $10,000 $25,000 $150,000 BLKT* Reward – Arson or Theft $5,000 $5,000 $10,000 Sales Samples $10,000 $10,000 $25,000 $5,000 $10,000 $25,000 $5,000 occ/$10,000 $10,000 occ/ $25,000 $25000 occ/ $50,000 Signs – Outdoor Temp Change / Spoilage 66 Property Protection Plus *These limits are all included in the $150,000 blanket total limit. Commercial Property Coverage Enhancements Continued: Commercial Property Protection Property Protection Plus Gold Protection Plus Platinum Protection Plus Not Included Included in BPP Limit Included in BPP Limit Utility Services – Direct Damage Not Included $25,000 $50,000 Utility Services – Time Element Not Included $25,000 $50,000 $25,000 $50,000 $150,000 BLKT* Not Included $50,000 $150,000 BLKT* Coverage Description Tenant’s Building Glass Liability Valuable Papers Valuable Papers including Cost of Research *These limits are all included in the $150,000 blanket total limit. Allied: Other Lines of Business The Property Protection Plus Endorsements are optional coverage endorsements that provides a wide variety of broadened property coverages and includes several additional coverages. There are three levels available: • Commercial Property Protection Plus (CP 7027) • Commercial Property Gold Protection Plus (CP 7032) • Commercial Property Platinum Protection Plus (CP 7133) • Additional Property Enhancement Forms: — Brewery Gold Protection Plus (CP 7163) — Brewery Platinum Protection Plus (CP 7164) — Hotel Gold Protection Plus (CP 7172) — Hotel Platinum Protection Plus (CP 7173) — Manufacturers Gold Protection Plus (CP 7168) — Manufacturers Platinum Protection Plus (CP 7169) — Restaurant Gold Protection Plus (CP 7175) — Restaurant Platinum Protection Plus (CP 7176) — Wholesalers Gold Protection Plus (CP 7186) — Wholesalers Platinum Protection Plus (CP 7187) — Winery Endorsement (CP 7157) Larger Properties? Please contact your underwriter for specialized program. 67 General Liability Key Coverages: General Liability Enhancement Endorsement (CG 7212) Coverage 68 Description Limits Provided Non-Owned Watercraft Included for watercraft up to 51 feet Policy Limits Property Damage for Borrowed Equipment and Customer Goods Subject to $500 Deductible Coverage is excess $10,000 Fire Legal Extends damage to premises rented to the named insured to include fire, lightning, explosion, smoke or sprinkler leakage damage $300,000 included Supplementary Payments Per Policy Forms Increased to $2,500 for Bail Bonds, $500 per day for loss of earnings Unintentional Failure to Disclose Hazard Per Policy Forms Policy Limits Newly Formed and Acquired Organizations Per Policy Forms Increased to 180 days Aggregate Limit Per Location Policy Aggregate Limit modified to Aggregate Limits per location Policy Limits Medical Payments Per Policy Forms $10,000 Additional Insured Status When required by a written contract or agreement: • Co-owner of insured premises • Controlling interest • Grantor of franchise or license • Lessors of Leased Equipment • Mortgagee, Assignee or Receiver • Owners or other interest from who land has been leased • State or political subdivision • Vendors Policy Limits Knowledge of an Occurrence Clarifies named insured’s obligation to notify of an occurrence when specific insured’s have knowledge Policy Limits General Liability Key Coverages Continued: General Liability Enhancement Endorsement (CG 7212) Continued Coverage Description Limits Provided Blanket waiver of subrogation If required by written contract, insurer waives right of subrogation Policy Limits Liberalization Coverage broadened when coverage form broadened without additional premium as approved by state Limits per coverage form changes Broadened definition of Bodily Injury Definition includes mental anguish Policy Limits Allied: Other Lines of Business Allied is a subscriber to the Insurance Services Office, Inc. (ISO) rules, loss costs and forms for Commercial General Liability business. Refer to the ISO Commercial Lines Manual Classification table and Division Six—General Liability section of the manual. With the Liability Coverage, we also offer many optional coverage options. Please contact your underwriter for eligibility. • Employee Benefits Liability (CG 0435) • Employment Practices Liability (CG 7181) • Expanded Property Damage (CG 7035) • Hired and Non-Owned Auto (CG 7003) • Garagekeepers Coverage (11223) • General Liability Enhancement Endorsement (CG 7212) Coverage is not available for contractors. • Various Additional Insured Forms Please explain insurable interest of the additional insured so the correct form can be selected for your insured. •C ontractors Enhancement Endorsement (CG 7288) or Contractor’s Enhancement Plus Endorsement (CG 7323) •S elf Storage Broadening Endorsement (CG7265) 69 Allied: Other Lines of Business Umbrella Commercial Umbrella Liability The Commercial Umbrella Liability program provides coverage extending over and above the liability limits on underlying policies. Allied Insurance does write a true Umbrella form which will provide some additional coverage along with the excess limits. Allied generally requires that all underlying coverages be written by us if a Commercial Umbrella is requested. Note: Only follow-form excess coverage is available for contractors. 70 Value Added Programs & Services Allied: Value Added Programs and Services Allied: Value Added Programs and Services Loss Control What is Loss Control? Loss control is the process of identifying potential hazards in a business and taking steps to reduce their threat. What can you expect? Our safety experts have the technical diversity needed to work with a variety of business types to develop quality loss control programs. And, they are accessible throughout the country to help policyholders operate a safe and productive business. Some of the services and resources we offer include: Loss Control Services: • Loss Evaluation • On-Site Consultation • Self-assistance and preventative maintenance programs • Disaster Planning and Recovery • Customer Services, Seminars and Training: Tailored to customers’ specific needs, we provide topics onsite or offsite. Some of the topics include: • OSHA Compliance • Fleet Safety • Employee and Supervisory Training • Policy/Program Development and Implementation Assistance Loss Control Resources: • Online Safety Training (Driver Safety, Health & Wellness, OSHA, etc.) • Sample Employee Safety Programs • Sample Driver Safety Programs • Spanish Resources (Online Safety Training, Videos, Resource Handouts and Poster) • Safety-Related Brochures and Posters • Self Audit Forms and Checklists • Discounted Driver Observation Reporting Program (Driver’s Alert) • Discounted Employee Criminal and General Background Checks (Intellicorp) • Discounted Safety Equipment, Supplies and Clothing (Cintas) For more information visit: www.alliedinsurance.com/allied/web/business/loss-control.jsp Contact your commercial underwriter to discuss how Loss Control can make a difference to your insureds. 72 Allied: Value Added Programs and Services Bonds Allied Bonds Program Allied offers a full line of contract, commercial surety, and fidelity bonds to meet the bond requirements of many types of businesses, including small to medium sized contractors. A bond is a three party agreement where the surety (i.e. Allied) guarantees to the obligee that a principal will faithfully perform and complete an obligation. The listing shown below is provided to give a general idea of the types of businesses in which we are interested. Many of the classifications have specific limitations and/or restrictions that are more fully explained when talking with a bond underwriter. Bonds: Agricultural: Court Bonds • Grain Dealers • Appeal • Grain Warehouses • Replevin • Livestock Dealers • Attachment • Packers & Stockyards • Injunction Auctioneers Fuel Tax Bonds Cleaning Services Home Health Care Providers Construction: Motor Vehicle Dealers • Carpentry Notary Publics • Electrical • General Building Contractors Probate Bonds • Landscaping • Masonry, Stonework, and Plastering • Nonresidential Building Construction • Painting – Interior & Exterior • Plumbing, Heating, and Air Conditioning • Roofing, Siding, and Sheet Metal • Street, Sidewalk, and Highway Construction • Water, Sewer, and Utility Lines • Guardian / Conservator • Executor 401K Plans Value Added Programs & Services County, City, and State Public Employees: • Board Members • Clerks • Sheriffs • Treasurers 73 Basic Bond Underwriting Guidelines Contract Bid, Performance, and Payment Bonds: • Contractors should be small to medium sized, generally $5,000,000 and under for a single job • Contractors should have good credit; solid, verifiable net worth (personal and business); and good references • Contractors should have experience in job size, scope, and territory • Contractors should have three most recent year-end business financial statements • Contractors must have current personal financial statement on each owner/officer • Personal financial strength is considered • CPA prepared financial statements are preferred but not always required • Minimum amounts of working capital are not required Commercial Surety Bonds: • Commercial bonds cover obligations typically required by law or regulation • Commercial bonds include License & Permit, Court, Probate, Public Official, Notary, Federal and Miscellaneous bonds • Underwriting guidelines vary greatly and are more fully explained when talking with a bond underwriter • Many of the commercial bonds are underwritten freely on the BAS Fidelity Bonds: • Fidelity bonds include Standard Employee Dishonesty, Business Services (i.e., Janitorial), and ERISA • $100,000 maximum limit on Standard Employee Dishonesty • $25,000 maximum limit on Business Services/Janitorial • $500,000 maximum limit on ERISA • Controls should be present in areas where theft can occur • There should be no history of theft • Premiums based on number of rateable employees, controls, and business class • Amount of ERISA Coverage must equal at least 10% of planned funds • ERISA and Business Services Bonds are available on the BAS Bond Automation System (BAS) The Bond Automation System (BAS), located on the Agent Center, allows you to purchase many of your commercial surety & fidelity bonds online for your customers. BAS is easy to use and allows you to issue bonds quickly and efficiently. Because bonds are stored electronically, you can print your bonds and Powers-of-Attorney right from your office. BAS can be found in Agent Center: Agent Center > Login Screen > New Business > Bonds > Commercial Bonds Contact Us: All contract, commercial surety, and fidelity bonds are handled by the Bond dept. PCRO Phone: 800-822-3666 Contract Bond Fax: 877-870-3666 Commercial Bond Fax: 866-508-4102 74 Other restrictions may apply; contact a bond underwriter for additional information. Allied: Value Added Programs and Services Allied General Agency (AGA) What is AGA? Allied General Agency, a full service surplus lines facility, successfully writes a broad range of business classes, including but not limited to those listed below. Not all programs are available in all states. Availability of markets is subject to change. Classes of business with (ACORD) shown require only ACORD applications. Applications/Questionnaires are available for those classes of business in bold. To obtain an Application/Questionnaire, please visit the Allied Agent Center at aac3.alliedinsurance.com Classes: Value Added Programs & Services Inland Marine (ACORD) Accountants E & O Insurance Agents E & O Apartments Janitorial Contractors Asbestos, Mold and Lead Abatement Contractors Landscape/Lawncare Contractors Beauty and Barber Shops Machine and Equipment Repair (ACORD) Bed and Breakfast Martial Arts Studios Builders Risk Mobile Homes, Parks and Campgrounds Communications Liability Mortgage Brokers E & O Confinement Operations (Property) Motel Contractors Oilfield and Gas Operations Contractors Equipment Pest Control Crop Sprayers Pollution/Environmental Dance Studios (ACORD) Public Officials Liability Daycare/Preschools Product Liability Demolition Contractors Real Estate Agents E & O Directors and Officers (Non-profit and Profit) Restaurants/Bars/Catering Driveways/Parking Lots Security Guards Employment Practices Liability Software Design Equine/Horse Related Operations Snow Removal Contractors Equipment Breakdown (ACORD) Strip Malls (ACORD) Errors and Omissions/Misc. Professional Special Events Excess Liability (ACORD) Tanning Beds Farm Tree Trimmers (ACORD) Haunted Houses Umbrella (ACORD) Health/Exercise Clubs Vacant Properties Homeowners/Condo Association Vendor Liability (ACORD) Homeowners – High Value Welders Hunting Clubs Things to know when doing business with AGA: • Your agency must have an active agency agreement on file prior to placing business with AGA. • In most cases, AGA can bind your risk without a down payment. Payment requirements will be specified on the quote and/or binder • Premium payments should be from an agency check. • Please feel free to contact AGA at 888-364-3434 or e-mail at [email protected] with any questions. 75 Allied: Value Added Programs and Services Claims The true test of an insurance company is in how quickly and fairly claims are settled. That’s why your customers can count on fast, friendly service from knowledgeable representatives in Allied’s Claims Call Center—24/7, 365 days a year. New Claims Reporting: Phone: 800-421-3535 (24/7) Fax: 800-554-2899 or mail to: Allied Insurance One Nationwide Gateway, Dept. 5575 Des Moines, IA 50391-5575 All Other Claim Inquiries: Fax: 800-742-1339 or mail to: Allied Insurance PCRO Claims One Nationwide Gateway, Dept. 5575 Des Moines, IA 50391-5575 Allied Value Added Claims Services: • Blue Ribbon Repair Shop Program • Vehicle Rental Assistance • Towing and Temporary Repairs • Glass replacement program with Safelite Solutions • Emergency Clean-up Service • Paintless Dent Repair 76 Allied: Value Added Programs and Services Payment Plans Agency Bill Payment Address: Allied Insurance 1100 Locust Street Department 2025 Des Moines, IA 50391-2025 For Insured Payments including Overnight or Fed Ex Payments: Allied Insurance One Nationwide Gateway Department 2070 Des Moines, IA 50391-2070 Late Payments: Arrangements must be made with an underwriter for the acceptance of late money for policies in cancellation prior to forwarding the payment. Billing Options: • Direct Billed: billed directly to the insured • FlexCheck: Automatic withdrawal from the insured’s checking account. • Credit Cards: Available for down payments or monthly installment payments. Visa, Mastercard, American Express, and bank debit cards. Call 866-322-3214 • EZ Check: A one time bank account deduction. Call 866-322-3214 Payment Plan Options: Option 1: 9-pay; 25% down Value Added Programs & Services Option 2: 12-pay; 2 months down Have Questions? Flex Billing: Call 866-322-3214 Accounting (for agency bill statement questions): Call 800-532-1436 ext. 5814 Agent Help: (billing option) Call 888-667-3866 77 Agent Center Log On It’s as simple as logging on to the Allied Agent Center: aac3.alliedinsurance.com User ID: _____________________________ Password: ___________________________ Online Tools: • Applications & Forms • Quoting & Submission • Inquiry System • Underwriting Guidelines • Online forms eLibrary Navigation Agent Center > Login Screen > Agent Resources > eLibrary Questions? Contact the Agent Center Help Desk Agent Center Phone: 888-667-3866 If you need assistance with quoting, downloading, User IDs, password reset, or other Agent Center questions. Hours of Operation: 5 am - 9 pm, CST, Monday - Friday; 8 am - 5 pm, CST, Saturday Email Comments to: [email protected] Looking for customizable marketing materials? Allied offers a wide range of brochures, postcards, eBrochures and toolkits to help you prospect and sell commercial. Check out the Marketing Storefront, www.alliedstorefront.com, and use keyword “commercial”. 78 Allied PCRO Contacts Agent Center: aac3.alliedinsurance.com Allied Insurance: alliedinsurance.com For Your Clients: View and pay policy at alliedinsurance.com Applications: [email protected] Amendment Requests: [email protected] Regional Office Mailing Address: Allied Insurance PCRO Regional Office 2251 Harvard Street, Suite 200 Sacramento, CA 95815 Regional Office: 800-552-2437 Commercial Lines Fax: 877-807-9528 Billing/Policy, Questions–or-Credit, Card Payments: 866-322-3214 Allied General Agency: 888-364-3434 Allied General Agency Fax: 866-433-4331 Report a Claim: 800-421-3535 Bond Department: 800-822-3666 Agent Center Help Desk: 888-667-3866 For Suggestions: Alliedlistens.com Value Added Programs & Services Notes: 79 Underwritten by Nationwide Mutual Insurance Company, AMCO Insurance Company, Allied Property & Casualty Insurance Company, Depositors Insurance Company, Nationwide Insurance Company of America, Nationwide Affinity Insurance Company of America, Nationwide Property and Casualty Insurance Company, Nationwide Mutual Fire Insurance Company, and Nationwide Agribusiness Insurance Company, 1100 Locust Street, Des Moines, Iowa 50391-2000. Customers will be placed with one of the above companies based on your location and product requested. Products and discounts not available to all persons in all states and products are subject to deductibles, exclusions, and conditions. Nationwide, the Nationwide framemark, and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company. © 2013 Nationwide Mutual Insurance Company. All rights reserved. CMO-0226M1 (05/13)