Networked Insurance Personal Lines

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Networked Insurance Personal Lines
Networked gives you the tools you need to make
your Personal Lines business grow!
Networked Insurance Agents
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Networked Insurance Agents
Experienced/Customer Focused Staff!
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Personal Lines Management
Networked Insurance Agents

• Scott Smith Personal Lines Manager
• 530-274-6981
• Scott.smith_at_networkedins.com
• Gina Bajone Team Lead and PL Underwriter
  530-274-6923
• gina.bajone_at_networkedins.com

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Personal Lines Underwriters
Networked Insurance Agents
Erin Cummings [phone] erin.cummi
ngs_at_networkedins.com Handles TSVP Will Staffhorst
Ashley Hearing (530)
477-3905 ashley.hearing_at_networkedins.com Handles
TSVP Texas Apinya Nguy Marcia Ruddick Chris
Decolati
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Personal Lines Underwriters
Networked Insurance Agents
Jeanine Haring [phone] jeanine.haring_at_netw
orkedins.com Handles TSVP Rocco DeMateis Larry
Oslie

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Personal Lines CSRs
Networked Insurance Agents
Sara Zahm [phone] sara.zahm_at_networkedins.
com Handles Texas, N Central, Southeast
territories
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Personal Lines CSRs
Networked Insurance Agents
Allison Coulston [phone] allison.coul
ston_at_networkedins.com Handles North LA and
Arizona territories
Jackie Atkinson [phone] Jackie.atkinson_at_ne
tworkedins.com Handles N Coast Bay and Rocky
Mountain States
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Personal Lines CSRs
Networked Insurance Agents
Amber Stone (530)
274-6978 amber.stone_at_networkedins.com Handles
Orange and Nevada territories Lisa Lines (530)
274-6970 lisalines_at_networkedins.com Handles C
South Bay and Northwest territories
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NETWORKED MARKETS - We give you access to name
brand, customer recognized, competitively priced
Carriers!Property
Networked Insurance Agents

• Firemans Fund
• Safeco
• Kemper

• Chubb
• Encompass
• Met Life

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What can these Carriers do for you?
Networked Insurance Agents

• Do your clients need a quality/competitively
  priced HO3, HO4, HO6?
• Networked recommends
• Encompass
• Kemper
• Met Life
• Do you have a High End home you need to place?
• Networked recommends
• Chubb
• Firemans Fund

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How About Auto? Once again, Networked has access
to Name Brand customer recognized, competitively
priced Carriers
Networked Insurance Agents

• Safeco
• Met Life

• Encompass
• Kemper
• Chubb
• Firemans Fund
• Minimum pref. limits 50/100/50,000
• Need supporting home

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What other tools does Networked Personal Lines
have in its tool box that will help me be
successful?
Networked Insurance Agents

• Mobile Home/Manufactured Home/Modular Home
  Foremost
• Stand Alone Excess RLI
• Stand Alone in Home Business RLI
• Stand Alone Motorcycles Foremost, Safeco
• Stand Alone Watercraft Safeco, Foremost, Chubb
  (min. 100,000 coverage)

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So, tell me more
Networked Insurance Agents

• I Like what I see!

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Encompass Insurance Co
Networked Insurance Agents

• 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

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Encompass Sales Tips
Networked Insurance Agents

• 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.

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Safeco Homeowners

• Highlights
• Now available on NLinkPL
• Most competitive Renters Policy rates in the
  state
• Rates are very competitive in the Houston area
• Eligibility and Rules
• Appointed for both Tier 1 and Tier 2 Coastal
  Plans
• Tier 1 consists of the following counties
  Aransas, Brazoria, Calhoun, Cameron, Chambers,
  Galveston, Jefferson, Kenedy, Kleberg, Matagorda,
  Nueces, Refugio, San Patricio, Willacy and that
  portion of Harris County located inside the city
  limits and east of Highway 146 in LaPorte,
  Morgans Point, Pasadena, Seabrook and Shore
  Acres.
• Tier 2 consists of the following counties Bee,
  Brooks, Fort Bend, Goliad, Hardin, Hidalgo,
  Jackson, Jim Wells, Liberty, Live Oak, Orange,
  Victoria and Wharton.
• Due to the high probability of catastrophic loss
  in the event of a hurricane or tropical storm,
  risks located in the following areas are
  unacceptable as new business
• All offshore islands
• Any risk located within five miles of the
  coastline, intercoastal waterway or inland bays
• All water claims must be approved by the company
  prior to binding and may require proof of
  remediation.
• Deductibles
• Offering deductible options from 500 to 10,000
  for All Other Perils, Windstorm or Hail
  deductible options from 1-5. NOTE A minimum 2
  windstorm or hail deductible is required for
  dwellings with wood roofs located outside of
  coastal tier 1. Dwellings located within coastal
  tier 1 must have the perils of windstorm or hail
  excluded.

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Safeco Home (Continued)

• Limits, Increased Limits Decreased Limits
• Offering Liability Coverage up to 500,000 and
  Medical Payments Coverage up to 10,000
• Minimum Contents for one and two unit dwellings
  is 40 and 20 for three and four unit dwellings
• Will write Secondary residences as long as Safeco
  insures the Primary residence
• Dwelling Fire product not available at this time
• All Homeowners policies are required to have the
  Full Value on Personal Property and Extended
  Dwelling Coverage where availableNo Course of
  Construction policy available
• Loss Assessments Coverage limits available up to
  50,000
• Account Credit for having Safeco Auto 10
• Burglar Alarm Credit 5 for Local Alarm, 6 for
  Police Station Alarm and 10 Central Station
  Alarm
• Hail Resistive Roofing Credit Credit will apply
  for residential roof coverings meeting the impact
  resistance testing criteria for U.L. Standard
  2218. A valid certificate of installation must
  be provided by the installer of the roof
  covering. All information on the certificate
  must be completed and signed by the individual
  responsible for the installation.
• Newer Home Credit Dwellings are eligible for a
  premium credit if they are less than 7 years old.
  
• Wood Roofs are OK however, a 20 surcharge will
  be applied to the Base Premium of a dwelling with
  a wood roof. In addition, homes with wood roofs
  require a minimum 2 windstorm or hail deductible

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Met Life

• Currently offering Homeowners, Auto, Umbrella,
  Motorcycle and Recreational Vehicle coverage
• Automobiles
• Prior approval required if
• Excluding a driver
• Vehicles with symbols great than 27
• Classic or Antique automobiles or motorcycles
• Any policy to be bound with 2 or more
  theft/vandalism claims in the past 3 years
• Homeowners
• Coverage A minimum 150,000 in Tier 1, 100,000
  in Tier 2 and 75,000 in Tier 4 (rating system
  will automatically calculate the correct tier)
• Some territories will have a mandatory Clause 1
  (Wind/Hail) Deductible of 500 and others will
  have 1,000 ir 1, whichever is greater (rating
  system will automatically advise if this is a
  requirement)
• Wood Roofs ineligible in all territories
  Composition Roofs have a 10 year age maximum
  Slate Roofs have a 40 year age maximum Clay,
  Fiber Cement, Ceramic Tile and Metal Shingles
  have a 15 year age maximum
• Package discount available rating factor is
  about 10 on home and auto
• Dwelling Fire Coverage not available in Texas at
  this time

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Kemper

• Currently writing Auto, Home, Dwelling Fire,
  Umbrella and Recreational Vehicles
• Package discount available for Auto and Home
  policy with Kemper
• Automobile
• All accounts subject to CLUE and MVR
• At least one vehicle per policy must carry
  comprehensive, collision, and liability coverage
• Maximum of 2 minor violations for a One Car
  account ineligible if there are any major
  violations
• Maximum of Two per driver, Three per household
  for Two Car account
• Maximum of two per driver, Four per household
  for Three or More cars for minor violations
• Homeowners
• Built within 40 years with proof of required
  updates to major systems. No unique architectural
  risks
• -OR-
• Homes older than 40 years, but built in 1940 or
  later, with updates to HVAC, plumbing, roof and
  electrical within 15 years, Coverage A greater
  than or equal to 250,000 and PC 1-6.
• No more than 1 loss within the last 5 years
• Minimum 250 deductible for all forms
• Dwelling Fire
• New business Dwelling Fire policies for one and
  two family dwellings are eligible for coverage.
• Coverage for new Dwelling Fire policies with
  pre-1920 dates of construction must be referred
  to Underwriting prior to binding.
• Applicants with prior declinations, cancellations
  or non-renewals for underwriting reasons by any
  other carrier are not eligible.  Applicants with
  a lapse in coverage are not eligible.
• Dwellings greater than 30 years old must have
  detailed updated plumbing, electric, and heat
  source, Heating units in service longer than 20
  years are eligible with inspection/documentation
  of regular cleaning/service/replacement of worn
  parts. Roofs more than 20 years or Flat roofs are
  not eligible.

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Firemans Fund
Networked Insurance Agents

• 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 Firemans Fund Location Approval
  Worksheet
• Send an ACORD Application for Auto Quote
• Subject to credit scoring on Home and Auto

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Chubb
Networked Insurance Agents

• Specializing in HV Property 500,000. (Depending
  upon state and location, may go down as low as
  300,000) .With primary home will also consider
  Auto, Dwelling Fire, Watercraft Excess
• 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
  (HO-C) program

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Networked Insurance Agents
Personal Lines Submission Procedures
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How do I bind a Personal Lines Account?
Networked Insurance Agents

• VERY IMPORTANT
• Our carriers do not allow us to extend binding
  authority to our affiliates.
• In order to expedite binding of your submission
  please follow these instructions carefully.
• To request binding fax or email a completed
  submission to Networked (please note we treat all
  applications as bind requests). Please do not
  send applications for pre-approval.
• Within 24 hours you will receive an
  acknowledgement letter

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How do I bind a Personal Lines Account Continued.
Networked Insurance Agents

• Once the underwriter reviews the account you will
  then receive one of the following within 24
  hours.
• A Confirmation of Coverage if the submission is
  complete and the risk qualifies. Please note
  coverage is not bound until you receive a
  confirmation of coverage from Networked.
• An Additional Information Memo if the submission
  is incomplete. Please note Networked will not
  bind coverage until all information is received
  and the effective date will be determined once
  submission is complete
• A Declination Letter if the risk is unacceptable.
  Please note another carrier will be offered if
  one is available

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How to complete an Auto submission
Networked Insurance Agents

• Completed Accord Auto Application
• Prior Dec Page
• Copy of Agents Quote
• Supplemental Forms/Items
• Signed UM Form May be carrier specific
• Proof for a not-at-fault accident (i.e. Police
  Report or letter of experience)
• Company Specific Supplemental
• Signed Drivers Exclusion

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How to complete a Home submission
Networked Insurance Agents

• Completed Acord Application
• Replacement Cost Estimator
• Agents Copy of the quote
• Supplemental Forms
• Older Home Questionnaire Company Specific
• Wood Stove Questionnaire Company Specific
• Photos (if applicable)

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Escrow Closes
Networked Insurance Agents

• Networked understands the urgency of escrow
  closes.
• We have implemented the following for your
  convenience
• Fax in a complete submission noting on the cover
  page that this is an escrow close. If you have
  scanning capabilities you can email the
  submission directly to the underwriter to help
  expedite the procedure.
• Once faxed, contact the underwriter who will be
  handling the account to let them know you have
  sent in an escrow close and give the clients
  name.
• The underwriter will work that account first and
  contact you immediately to advise if an EOI can
  be issued or if additional information is needed.
• Please note Networked does not require
  signatures to bind coverage for escrow closes

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Networked Insurance Agents

• Please mail all originals and down payment to our
  office within 7 days of receipt of the
  confirmation of coverage.
• Please note since Networked holds the carrier
  appointment our affiliates are unable to contact
  the carriers directly. For any questions about a
  risk please contact
• Networkeds Personal Lines Underwriting
  Department.

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• Inset Picture of PL group and a thank you for
  placing your biz with Networked !