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GENERAL INFORMATION
GENERAL INFORMATION
Program Availability
To view Sample Policy Wording, click on state.
| AWAITING APPROVAL- YELLOW |
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States we have filed and are waiting approval to launch umbrella program.
States we do not plan to offer our program in the near future.
COVERAGE
Personal Residences
Personal Liability
$300,000 - Each Occurance - No Deductible
Medical Payments
$5,000 - Each Accident - No Deductible
Damage to Property of Others
$1,000 - Total Policy - No Deductible
Family Protection/Personal Threat/Identity Theft
$15,000 - Maximum - $250 Deductible
Rental Property
Bodily Injury & Property Damage
$300,000 - Each Occurance - No Deductible
Personal Injury
$300,000 - Each Offense - No Deductible
Medical Payments
$5,000 - Any One Person - No Deductible
Bodily Injury & Property Damage, Personal Injury, Medical Payments
$300,000 - General Aggregate - No Deductible
ELIGIBLE RISKS
Primary residence must be located in the state of Approved Authorized
States; all other locations must be located within the United
States or its territories
INELIGIBLE RISKS
Residences
Any insured’s residence with more than 4 units
Any insured with more than 3 locations
Any location with more than 20 acres of vacant land
Any farming exposure
Any high profile insureds
Any location with an unfenced pool or spa
Any location with a pool that includes a diving board/platform or a slide
Any location that includes a trampoline that does not have safety netting in
good condition and installed in accordance with the manufacturer’s
specifications.
Any wild animals
Any specific dog breeds - Pit Bull, American Staffordshire Terrier, Rottweiler,
Akitas, Chow Chow, or Presa Canario - with a bite history
Any other breed with 2 or more bites
Any insured with more than 1 loss in 5 years
Any insured with more than 3 residence employees
Rental Property
Any Rental Property with more than four rental units
Any insured with more than 5 Rental Property locations
Any insured with more than 1 loss in 5 years at rental property
Any rental property without smoke detectors
Named Insured
Your spouse or domestic partner is also a Named Insured if a resident of the same household.
"Insured" in addition to "Named Insured" also means:
- any other resident of "your" household who is "your" relative, including adopted children, under the age of 21 who is in the care of any "named insured"; a student under the age of 24 who is enrolled in school full time, as defined by the school, who was a resident of "your" household before moving out to attend school; or
- on active duty in the U.S. Armed Forces, provided the soldier is under the age of 24 and "your" relative;
- The trusts, estates, limited liability companies or family partnerships shown in the Declarations as respects their ownership interest in an "insured location".
Employee vs Independent Contractor
If you have questions about employee vs independent contractor status please have
applicant read following websites
CALIFORNIA
CA Department of Industrial Relations Website
http://www.dir.ca.gov/dlse/faq_independentcontractor.htm
CA LABOR CODE -SECTION 2750-2752
http://www.leginfo.ca.gov/cgi-bin/displaycode?section=lab&group=02001-03000&file=2750-2752
Brokerage Agreement
Here is a link to our agreement. Personal Umbrella Brokerage Agreement
New business
You may choose either direct or agency. Commission is 15%
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Direct. |
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We will issue policy direct to insured with invoice. |
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You will be paid commission after payment receipt in form of commission statement. |
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Agency. |
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We will issue both insured and agency copy to you with net invoice. |
Renewals
We will directly offer insured a renewal offer 30+ days in advance. Commission is 10%
- You will be notified when offer is sent. Viewable Online
- You will be notified if offer not received.
- You will be able to view/print renewal policy online once offer/payment received by us.
- You will be paid commission after payment receipt in form of commission statement.
Applications
We rely on you to keep supplemental questionnaire, signatures and documentation in your files.
IT IS OUR AMBITION TO ISSUE/MAIL POLICIES WITHIN 2 DAYS OF YOUR ORDER.
YOUR COMPLETE APPLICATIONS WILL BENEFIT IN CUSTOMER’S SATISFACTION.
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