CPA for Commercial Auto

CPA for Commercial Auto

(Carrier Placement Analysis)
This CPA will guide you to identify which carrier (s) will be the best to write this Risk (LOB)

Step 1: Collect risk info via request for auto quote or via Curl for this LOB. (Already done - go to step 2)
Step 2 – Create client in ezlynx if it’s a new client to the agency.
Step 3 – Enter the risk info into ezlynx for bridging to carriers. (Only applies to bridgeable LOB’s).
Step 4 – Identify the carriers that writes this line of business.
Step 5 – Compare final validated rates to determine the best carrier for this risk.
Step 6 – Prepare application for client to Signing
Step 7 – Bind the Policy & Complete Point of Sale
Step 8 – Process BOR & Complete Point of Sale (In case client decides to BOR to our Agency)
Date

MonthDayYear
Date
Agency Name*
enter agency prefix
Producer Names (LSI)*
Ezlynx Client Creation:

Field-2D
Does the client already exist in ezlynx*
Note: Since the client already exists, then just verify the applicant's contact information with what's listed below.
Note - Create a new personal lines client (aka new Applicant).
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What is the Ezlynx Client ID*
Applicant Information:
Legal Entity Type
What is the Legal Name of the business
Does the Applicant use a DBA different from the Legal Name
What is the name of the DBA
When did the Business originally start
When was this Entity established
What is the Social Media Page
What is the website for the business
Does the Business have Insurance now *
Name of Carrier*
Number of Years with this Carrier*
When does the policy expire
Business Contacts:
First & Last Name*
Primary Contact Person
Phone Number*
Email Address*
Is there a 2nd Contact*
First & Last Name*
Secondary Contact Person
Phone Number*
Email Address*
Note: Enter the risk into Ezlynx quoting screens
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What is annual premium (optional)
not required but helpful
Can be Bridged

Mercury

Travelers

Nationwide

Hartford

Stillwater

Progressive

Nationwide
Cannot be Bridged

Mercury

Travelers

Nationwide

Hartford

Stillwater

Progressive

Nationwide
Note: Let's identify the Class of Business (Type of Business)
Choose the Business Type*
Markets for Car Hauling Companies:

- Guard Ins Co. (thru KBK)

- Redwood Fire & Casualty Co. (thru BHHC)

- National Liability and Fire Ins Co. (thru Sierra Specialty)

- _ _ _ _ _ ((thru CTC Ins. Marketing)

- _ _ _ _ _ ((thru Pacific Gateway)

- _ _ _ _ _ ((thru Ironwood Ins)
Markets for Towing Companies:

- Guard Ins Co. (thru KBK)

- Redwood Fire & Casualty Co. (thru BHHC)

- National Liability and Fire Ins Co. (thru Sierra Specialty)

- _ _ _ _ _ ((thru CTC Ins. Marketing)

- _ _ _ _ _ ((thru Pacific Gateway)

- _ _ _ _ _ ((thru Ironwood Ins)
Markets for Trucking Companies

For Short Haul Trucking:

- Guard Ins Co. (thru KBK)

- Redwood Fire & Casualty Co. (thru BHHC)

- National Liability and Fire Ins Co. (thru Sierra Specialty)

- _ _ _ _ _ ((thru CTC Ins. Marketing)

- _ _ _ _ _ ((thru Pacific Gateway)

- _ _ _ _ _ ((thru Ironwood Ins)

For Short & Long Haul Trucking:

- Guard Ins Co. (thru KBK)

- Redwood Fire & Casualty Co. (thru BHHC)

- National Liability and Fire Ins Co. (thru Sierra Specialty)

- _ _ _ _ _ ((thru CTC Ins. Marketing)

- _ _ _ _ _ ((thru Pacific Gateway)

- _ _ _ _ _ ((thru Ironwood Ins)

- Cluett
Identify Carriers that will write this risk:

Field-2D
These are the Primary Markets (direct appointments) for Commercial Auto.
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Mercury
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Travelers
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Nationwide
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Hartford
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Stillwater
Basic Underwriting: (New Bus Suspension)
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus Suspensiontoo many violations/accidents from MVR & CLUEunacceptable vehicleexcluded driver/ownerinsufficient/acceptable limitsother reason
Final Validated Price
Must annualize if 6 month term
Notes for Progressive
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Infinity
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for National General
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Guard
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for BHHC
Basic Underwriting:
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for Bristol West
Basic Underwriting for KBK
Personal Auto Specimen
Full Underwriting Guidelines
Proof of Garaging
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for KBK
These are the Secondary Markets (thru MGA's) for Commercial Auto.
Sign In Now
Basic Underwriting for KBK
Program Highlights and Forms
Validation Status*
Reason for Declination (check all that apply)*

New Bus SuspensionDoes not wrote this Class of Bus.Due to violations/accidents from MVR & CLUEUnacceptable vehicleExcluded driver/ownerInsufficient coverage optionsOther reasonDoes not wrote this Class of Bus.
Final Validated Price
Must annualize if 6 month term
Notes for KBK
Compare the rates:

Field-2D

Rate Comparison Chart :

	Prior / Current Carrier	Merc.	Trav.	Nat. Wide	Hart.	Still.	Prog.	Infin.	Nat. Gen.	Guard	BHHC	Bristol	KBK	KBK2
Commercial Auto

Quote released with*

MercuryTravelersNationwideHartfordStillwaterProgressiveInfinityNational GeneralGuardBHHCBristol WestKBKClient decided to BOR to our agencyNone / Will stay with Current Carrier
Client decided to Purchase

MercuryTravelersNationwideHartfordStillwaterProgressiveInfinityNational GeneralGuardBHHCBristol WestKBKClient decided to BOR to our agencyNone / Will stay with Current Carrier
What carrier are we doing the BOR with*

MercuryTravelersNationwideHartfordStillwaterProgressiveInfinityNational GeneralGuardBHHCBristol WestKBK
Please choose the reason why we could NOT close the sale*

Could not beat existing rateCould not find a marketClient does not want to move midtermUndesirable, agency does not want itOther
Notes
STEP 6 - Prepare Application for Signatures:

Field-2D
Note: We need to preapre the application along with any additional underwriing forms for signatures.
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Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.
HO3 Underwriting Guidelines
Primary Home Specimen
Product Comparison
(Nevada)-Product Comparison
CA Homeowners Eligibility
Sub Limits Explained
STEP 7 - Bind the Policy:

Field-2D
Note: We need to Bind the Policy.
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STEP 8 - Process a BOR:

Field-2D (What is a BOR or AOR)
Note: We need to send a Mercury BOR to the client for signing.
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Basic Underwriting for Mercury BOR

-California Auto does not allow BOR in California.
The policy must be written with a new business application
as to move to another agency.
Note: We need to send a Travelers BOR to the client for signing.
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Basic Underwriting for Travelers BOR

-Travelers requires at least 30 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send a Nationwide BOR to the client for signing.
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Basic Underwriting for Nationwide BOR

-Nationwide requires at least 30 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send a National General BOR to the client for signing.
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Basic Underwriting for National General BOR

-National General requires at least 15 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send a Hartford BOR to the client for signing.
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Basic Underwriting for Hartford BOR

-Hartford requires at least 20 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send a Stillwater BOR to the client for signing.
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Basic Underwriting for Stillwater BOR

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-

-

-

-

-
Note: We need to send a Progressive BOR to the client for signing.
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Basic Underwriting for Progressive BOR

-Progressive requires at least 15 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send an Infinity BOR to the client for signing.
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Basic Underwriting for Infinity BOR

-Kemper requires at least 15 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send an Guard BOR to the client for signing.
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Basic Underwriting for Guard BOR

-Guard requires at least 15 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send an BHHC BOR to the client for signing.
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Basic Underwriting for BHHC BOR

-BHHC requires at least 15 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send an Bristol West BOR to the client for signing.
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Basic Underwriting for Bristol West BOR

-Bristol West requires at least 15 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
Note: We need to send a KBK BOR to the client for signing.
Show me
Basic Underwriting for KBK BOR

-KBK requires at least 15 days prior to renewal for the policy to be successfully
transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.
What is the Policy or Quote number*
Now that you have Bound the Policy, its time to complete the Point of Sale. Hit Submit
Note: Make sure to upload all your quote files here instead of saving in ezlynx client file direclty. After you hit submit then you get the pdf copy of this CPA which will be saved in ezlynx anyway. This is a more organized way of saving files related to quoting / marketing a risk and is much easier to review on future Renewals.
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