Networked Insurance Personal Lines Networked gives you the tools - PowerPoint PPT Presentation

Networked Insurance Personal Lines Networked gives you the tools you need to make your Personal Lines business grow!

Personal Lines Management � Scott Smith – Personal Lines Manager 530-274-6981 Scott.smith@networkedins.com � Charna Eastin-Personal Lines Senior Underwriter & Team Leader 530-274-6907 Charna.eastin@networkedins.com

Personal Lines Underwriters Jeanine Haring (530) 477-3938 jeanine.haring@networkedins.com Handles: TSVP Larry Oslie & TSVP Rocco DeMateis Gina Bajone (530) 274-6923 gina.bajone@networkedins.com Handles: TSVP Traci Herring

Personal Lines Underwriters Erin Cummings (530) 274-6932 erin.cummings@networkedins.com Handles: TSVP Donna Percival & TSVP Jeanette Riley Ashley Hearing (530) 477-3905 ashley.hearing@networkedins.com Handles: TSVP Apinya Nguy

Personal Lines CSR’s Sara Zahm (530) 274-6927 sara.zahm@networkedins.com Handles: Fireman’s Fund and Hartford Lisa Lines (530) 274-6970 lisalines@networkedins.com Handles: Chubb, First American, Balboa

Personal Lines CSR’s Allison Coulston (530) 274-6909 allison.coulston@networkedins.com Handles: Kemper, Encompass, Foremost Carolyn Moses (530) 274-6985 carolyn.moses@networkedins.com Handles: RLI, Safeco, Commerce West , Pacific Select, Geo Vera and Royal Sun Alliance

Personal Lines CSR’s Amber Stone (530) 274-6978 amber.stone@networkedins.com Handles: Travelers

Personal Lines Tech’s Trista Dutcher (530) 274-6915 trista.dutcher@networkedins.com Handles all pre-approval CLUE, MVR and mapping requests

NETWORKED MARKETS - We give you access to name brand, customer recognized, competitively priced Carriers! Property � Chubb � Kemper � Encompass � Travelers � First American � Clarendon/Balboa � Hartford � Fireman’s Fund

What can these Carriers do for you? Do your clients need a quality/competitively priced HO3, HO4, HO6? � Networked recommends: Travelers � First American � Encompass � � Hartford Kemper � Do you have a “High End” home you need to place? � Networked recommends: Chubb � Fireman’s Fund � Fireman’s Fund Prestige Solutions � How about homes with multiple losses? � Networked recommends: Balboa � � Foremost * (anticipated release 12/05!) Stand alone DP3’s? � Networked recommends: Travelers � Balboa � First American �

How About Auto? Once again, Networked has access to Name Brand customer recognized, competitively priced Carriers � Encompass Non-Standard � Hartford � Commerce West � Kemper � Travelers � Chubb* � Fireman’s Fund* Minimum pref. limits 50/100/50,000 * Need supporting home

What other tools does Networked Personal Lines have in it’s tool box that will help me be successful? � Mobile Home/Manufactured Home/Modular Home – Foremost � Stand Alone Excess – RLI � Stand Alone in Home Business – RLI � Stand Alone Earthquake – Geo Vera, Pacific Select, Royal Sun Alliance � Stand Alone Motorcycles – Foremost � Stand Alone Watercraft – Travelers, Chubb, Foremost

…I Like what I see! So, tell me more…

Encompass Insurance Co � Package Policies preferred � A Package consists of the Auto & Primary Home (Homeowners, Condo Owners or Renters) � Package policies can also include Boat, Dwelling Fire, Motorcycle, Recreational Vehicles, Motor Homes and Excess Liability � All lines of business on one policy, one bill, one deductible, one installment fee. � Offers three levels of coverage: Special, Deluxe & Elite. � Aggregate Property Limits. � Will entertain family risks including youthful operators. **Lower commission paid on the vehicle the youthful is assigned to. � Credit for existing insurance. � Package discount is 12% off the home and 15% off the auto

Encompass Sales Tips � Credit for existing insurance – Write the home or auto with current effective date and the remaining line with a future effective date (must be submitted at the same time). – Underwriting is once and done: The package is underwritten at the time it is submitted and not again when the second policy is effective. – Gaps are covered: If the client has a claim that exceeds their primary policy prior to the Encompass policy taking effect, Encompass will cover the difference. (If a covered peril) – Locked in rates: If the rates change before the second policy is effective the insured will continue to get the rate that was quoted. – Package discount is applied.

Hartford Insurance Company � Currently writing Auto, HO3, HO4, HO6 and Dwelling Fire with supporting Home. � Discounts: Superior Driver 15%, Account Credit Auto 10% Home 15%. New Home Discount up to 33% � Domestic Partner Discount - married rate for couples in committed relationship or single parent with custody of children. � Must meet CA Good Driver to qualify (including youthful operators). � Automatic Replacement Cost Protection for cars under 1 year old with less than 15,000 miles included with Comp and Collision. � $10,000 Accidental Death Benefit included � H5A Endorsement includes: Replacement Cost Contents and Dwelling (150%), Theft of jewelry or watches $2,500/$1,000 per item limit and more. � 30% surcharge for first loss, 50% surcharge for second loss

Kemper Auto & Home � Package Policies – Preferred Package Plus & Package Plus Classic � Offers package policies – Home, Auto, PA & Umbrella on one policy, one bill. Aggregate Property Limits on Package Plus � Extended Replacement Cost Coverage (automatically included) provides 150% of the blanket limit, not just Coverage A � Parked Auto Collision: Waives insured’s collision deductible in the event that the insured’s vehicle is hit while legally parked. � Kemper Total: Includes Auto Loan/Lease coverage & Replacement Cost Coverage for the vehicle in event of total loss. � Owned by Unitrin, A rated carrier. � Kemper Package Plus gives your client approximately 14% discount on Auto and 12% discount on Home. � CEC – Credit for Existing Coverage endorsement allows the insured to have a future effective date on Home or Auto and still get the package discount.

Travelers Property & Casualty � Currently writing HO3, HO4, HO6, Auto, COC, Dwelling Fire, Watercraft & Excess � Subject to: CLUE, MVR’s, IRAS and Brush mapping. � Discounts: 14% Superior Driver, 12% Degreed Professional and Account Credits of Auto,15% Home 25%. New Home to Customer 10%. � COC policy available. No owner builders.

Fireman’s Fund � Specializing in HV Property $500,000+, Auto, Dwelling Fire, Watercraft & Excess � No Maximum Coverage A � 200% Extended Replacement Cost � Need to Write Home to Write Auto � Send in Fireman’s Fund Location Approval Worksheet

Chubb � Specializing in HV Property $500,000+. With primary home will also consider Auto, Dwelling Fire, Watercraft & Excess � Subject to: Earthquake and Brush mapping. � Expert home appraisals and loss control evaluation upon issuing of the Homeowners policies. � Deductible waived in the event of a loss exceeding $50,000 � Customers enjoy superior claims service with maximum control over how, when, where and by whom property is replaced or repaired. � 200% Extended Replacement Cost � All risk on contents when written in the Deluxe program � 24 hour minimum turn around on quotes

First American Specialty � Specializing in Monoline Property, Homeowners and Condo Owners, Stand Alone Dwelling Fires . � We need colored photos of the front and back of the home for Dwelling Fires � For every Dwelling Fires submission you send you must match with a home submission. � Will consider up to two losses of different nature excluding fire and liability. Water losses under $5,000 ok. (receipts may be required) � Homeowner Plus Endorsement is included in all policies � - Extended Replacement Cost up to 150% � - Ordinance or Law � - Personal Injury � - Inflation Guard

Balboa � Specializing in monoline property HO3, HO4, HO6 and including monoline Dwelling Fire, Secondary/Seasonal homes and Vacation rentals. � 5 tiers available � Will write secondary home without the primary � Dwelling limits as low as $80,000 � Will consider up to three losses (must be of different cause). � All Dwelling Fires must be submitted with 2 colored photos (front and back of the risk)

Commerce West � Preferred (Select) and Non-Standard (Protection) Auto � 15/30 limits available in Protection only � Discounts: Multi-car permitted between Protection and Select programs � Payment Plan Discounts up to 13% available in the Protection Program for Full Pay or 50% down � Non-Owner Policy available in the Protection program- will write more than 1 driver. � Moving violations charged on violation date. � Agent must provide MVR for the Select Program only � Protection Plan – photos required if no prior insurance or lapse and comp and collision are requested. � SR-22 are available in the Protection Program