Reference - United Agencies Inc.

Transcription

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
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 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
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
Auto Service
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
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
• 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
Key Coverages:
Food Service Plus Endorsement (PB 20 02)
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
Food Service Coverage Checklist
Coverage
Form
Business Income
Included
Liquor Liability
PB 63 03
Equipment Breakdown
Included
Permanently Installed
Equipment
Include in building
PB 04 15
Utility Services
PB 04 56
Food Contamination
PB 20 02
PB 20 99
Food Service Plus Endorsement
PB 20 02
Food Service
17
Premier
Businessowners
Habitational
Habitational Program
The Habitational program is generally intended for apartments, condominium
associations and townhouse associations.
• 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
PB 20 99
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.
• 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
Motel Program
Key Coverages:
Motel Plus Endorsement (PB 20 04)
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
PB 20 99
Motel Plus Endorsement
PB 20 04
Motel
23
Premier
Businessowners
Office
24
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.
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
• 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)
Limit of Insurance
Deductible
$5,000
None
Unauthorized Business
Card Use
$5,000
Subject to Policy
Deductible
$500
Fine Arts Coverage
$50,000 per
occurrence limit
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
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
PB 20 99
Businessowners Advantage with
Employee Dishonesty
PB 20 98
Office Plus Endorsement
PB 20 05
Office
27
Premier
Businessowners
Process or Service
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.
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
• 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.
Key Coverages:
Service Plus Endorsement (PB 20 06)
Limit of Insurance
Deductible
$5,000
None
Card Use
$5,000
Subject to Policy
Deductible
$5,000
$500
$500
Contract Penalty
Fine Arts Coverage
$50,000 per
occurrence limit
Transfer Fraud
$10,000
Subject to Policy
Deductible
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
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
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
PB 20 99
Service Plus Endorsement
PB 20 06
Process or Service
31
Premier
Businessowners
Retail
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.
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
Retail Program
• 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.
Key Coverages:
Retail Plus Endorsement (PB 20 07)
Brands & Labels
Limit of Insurance
Deductible
BPP Limit
None
$5,000
None
Card Use
$5,000
Subject to Policy
Deductible
Contingent Transit
$25,000
$500
Contract Penalty
$5,000
$500
Worldwide Coverage
$10,000
$500
Transfer Fraud
$10,000
Subject to Policy
Deductible
BPP Limit
Subject to Policy
Deductible
Pairs or Sets
Retail
35
Retail Program
• 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
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
Liability
Included
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.
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
Wholesale Program
• 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.
Key Coverages:
Wholesale Plus Endorsement (PB 20 08)
Limit of Insurance
Deductible
BPP Limit
Subject to Policy
Deductible
$5,000
None
Card Use
$5,000
Subject to Policy
Deductible
Contingent Transit
$25,000
$500
Contract Penalty
$5,000
$500
Worldwide Coverage
$10,000
$500
Transfer Fraud
$10,000
Subject to Policy
Deductible
BPP Limit
Subject to Policy
Deductible
Brands and Labels
Pairs or Sets
Wholesale
39
Wholesale Program
• 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
Coverage
PB 04 04
Utility Services
PB 04 56
PB 04 15
Contingent Transit Coverage
PB 20 08
PB 20 99
Wholesale Plus Endorsement
PB 20 08
Allied Target Program
Allied
Target Programs
Allied
Target 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.
• 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)
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.
43
Allied Church Program Coverage Checklist
Coverage
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
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.
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
• 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.
Key Coverages:
Contractor’s Advantage (IMA 323)
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
Increases the following limits provided in the Contractor’s Advantage Endorsement.
Contractor’s Advantage Plus (IMA 324)
Limit of Insurance
Installation Floater
$25,000
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
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
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
• 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
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.
• 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
Property Off Premises
$25,000
Outdoor Property
$10,000
Personal Effects
$15,000
Property of Others
$10,000
Increased Cost of Construction
$25,000
Fire Dept. Service Charge
$5,000
Business Income
$25,000
Extra Expense
$25,000
$25,000 per location
$5,000
Fire Extinguisher Recharge
$10,000
Property In Transit
$25,000
$5,000 per building;
$25,000 aggregate
$10,000
$5,000 per occurrence;
$10,000 aggregate
Arson Reward
$5,000
Damaged Master Key
$5,000
1,000 feet
Newly Acquired or
Constructed Real Property
Accounts Receivable
Back Up of Sewer or
Drain Water
Employee Dishonesty
Spoilage of Perishable Goods
Premises boundary increased
• 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
Liability
Included
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.
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 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.
57
Key Coverages:
Commercial Property Protection Plus—Wholesalers (CP 7069)
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
Valuable Papers and Records
$25,000
Electronic Data
$10,000
Property Off Premises
$25,000
Outdoor Property
$10,000
Personal Effects
$15,000
Property of Others
$10,000
$25,000 or 10%
Fire Department Service
Charge
$5,000
Business Income
$25,000
Extra Expense
$25,000
Accounts Receivable
$50,000 per location
$10,000
Fire Extinguisher Recharge
$10,000
Newly Acquired or
Constructed Real Property
Increased Cost of Construction
Property In Transit
$25,000
$25,000 aggregate
$10,000
$10,000 aggregate
Arson Reward
$5,000
Damaged Master Key
$5,000
Forgery or Alteration
$5,000
Salesperson Samples
$10,000
Back up of Sewer or Drain
Water
Employee Dishonesty
58
• 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.
• 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
CP 7069
Coverage
CG 7003
Utility Services
CP 7132
CP 7069
Transit Coverage
CP 7069
59
Allied:
Other Lines of Business
60
Allied:
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
• 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:
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
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*
Commercial Property Protection
*These limits are all included in the $150,000 blanket total limit.
65
Commercial Property
Coverage Enhancements Continued:
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
Commercial Property
Coverage Enhancements Continued:
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*
Tenant’s Building Glass Liability
Valuable Papers
Valuable Papers including Cost of
Research
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
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 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:
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:
and Services
Allied:
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:
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
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:
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:
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:
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
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:
and Services
Payment Plans
Agency Bill Payment Address:
Allied Insurance
1100 Locust Street
Department 2025
For Insured Payments including Overnight or Fed Ex Payments:
Allied Insurance
One Nationwide Gateway
Department 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
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
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)

Reference - United Agencies Inc.

Transcription

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