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 home quote or via Purl 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 SigningStep 7 – Bind the Policy & Complete Point of SaleStep 8 – Process BOR & Complete Point of Sale (In case client decides to BOR to our Agency)
Applicant Information:
Address Information: We must be careful and take precaution with insuring this location. It's very important that we do not place insurance on the wrong address and a claim is denied.
Property Title Information: We must verify how the property is titled to so we can determine how the policy should be written and to make sure all individuals and/or entities are covered properly.
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Prior Ins. Policy Info:
Reconstruction Cost Info:
Note: This coverage A Limit has been increased by 10% for any items that we did know about or include in our RC Estimate.
Detached Structures Information:
Are there any detached structures of any kind on this lot
How many detached structures are there
Underwriting Questions:
Is the Roof in poor condition or near end of life
Is it a Woodshake Roof
Is the primary heating system powered by other than natural gas and/or electric
What type of electrical panel does the home have.
Is the home undergoing any remodling or renovation
Does the home have a Post and Pier Foundation
Is there a Trampoline on premises?
Are there any farm animals
Is there a swimming pool on the premises
Is the Property currently for sale or planned to be sold in the next 6 months? (By the applicant)*
Is your current/prior policy being canceled for any reason
Are there Dogs on the premises
Have you had any homeowner insurance claims in the last 5 years
Is your home protected by an alarm system
What type of alarm does the home have
Note: Having an alarm will give a discount on the policy, however to receive the biggest discount the client will have to call the alarm company and request alarm certificate. We cannot accept a copy of any application, or screenshot, or copy of the bill. Only the alarm certificate is acceptable and nothing else.
Underwriting Characteristics:
Coverage Guidance: The following will help to choose the coverage limits and endorsement on the policy.
Standard Coverage: Coverage A - Dwelling: Based on the RC Estimator, this is the amount of coverage need to replace the home in case of a total loss aka reconstruction cost. Coverage B - Other Structures: The standard limit included is 10% and should be increase in case the others structures value is greater than 10%.Coverage C - Personal Property: The standard limit we include is $10000 per unit, but can be increase if more coverage is needed.Coverage D - Loss of Use: The standard limit included is 20% or actual loss sustained, but can be increase if more coverage is needed.Coverage E - Personal Liability: The standard limit is 300K, but can be increase if more coverage is needed.Coverage F - Medical Payment: The standard limit is 5K, but can be increase if more coverage is needed.
Other Coverages & Endorsements:Building Ordinance: The standard limit included is 10%, but can be increase if more coverage is needed.DIC Endorsement: This endorsement if available should be added in case the home does not pass brush requirements & a Fair Plan policy need to be written.Replacement Cost on Dwelling: This endorsement should always be added if available in every case.Replacement Cost on Personal Property: This endorsement should always be added if available in every case.Extended Replacement for Dwelling: This endorsement should always be added with a minimum of 125% but can be increase to 150% if needed.Animal Liability: This endorsement should be added if the client has any animals and given a minimum limit of 25K coverage but should have 100k if available.Equipment Breakdown: This endorsement should not be included automatically, we do not add this unless the client is asking for it or if it will help close the sale.Sewer or Drain Backup: This endorsement should be added and given a minimum limit of 10k coverage but should have 25k if available.Personal Injury: This endorsement should always be added if available in every case.
Deductible: The standard deductible we should be quoting is $2500, however rates for different deductibles can be given to the client so they can choose what they prefer to have in case of future loss.
Ezlynx Client Creation:
Field-2D
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).
Ezlynx Risk Entry (For Bridging:)
Market Guidance for Rental/Investment Home (DP1-DP3)- (Full Time Occupancy) Insurance:
Basic Underwriting:Dwelling Fire Guidelines Identity Theft Coverage BrochureDwelling Fire SpecimenProduct Highlights
Basic Underwriting for DIC:DIC FAQ
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WORK IN PROGRESS . . .
Basic Underwriting: Homeowners GuidelinesProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetAuxiliary Heater Form Product Highlights
Basic Underwriting for DIC:
Basic Underwriting:Dwelling Fire GuidelinesBamboo Basic UnderwritingProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetProduct Highlights
Basic Underwriting:Dwelling Fire GuidelinesProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetProduct Highlights
Basic Underwriting:Dwelling Fire GuidelinesProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetFirst Cap - Quick Quote AppProducer Welcome Packet - Mar 2021 - v4 Product Highlights
Basic Underwriting: Dwelling Fire GuidelinesProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetProduct Highlights
Basic Underwriting for DIC:DIC Underwriting GuidelinesDIC Homeowners SpecimenDIC Disclosure Form
Basic Underwriting: Dwelling Fire GuidelinesProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat Sheet5 Plus Application Form5 Plus Change Request Product Highlights
No DIC Policies are offered in CA at this time:
(Accelerant Ins)
(American National Ins Co)
Basic Underwriting:Dwelling Fire GuidelinesSES Basic UnderwritingProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetProduct Highlights
Basic Underwriting:Dwelling Fire GuidelinesProduct ComparisonDwelling Fire SpecimenProduct Highlights
Basic Underwriting:Homeowners GuidelinesHO3 Product ComparisonHO3 SpecimenProduct Highlights
(Aegis E&S Program)
Basic Underwriting:General GuidelinesProduct highlight / ComparisonHomeowners SpecimenDwelling Fire Cheat SheetProduct Highlights
Hidden Carriers:
Basic Underwriting: (New Bus Suspension)Dwelling Fire GuidelinesDwelling Fire BrochureDwelling Fire Product ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetProduct Highlights
Basic Underwriting for DIC: (New Bus Suspension)DIC GuidelinesDIC Endorsement Acknowledgement Form
Basic Underwriting: (New Bus Suspension 2-1-2024)Dwelling Fire Guidelines DP3-Landlord BrochureProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetProduct Highlights
Basic Underwriting: (New Bus Suspension)Dwelling Fire GuidelinesProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetProduct Highlights
Basic Underwriting for DIC: (New Bus Suspension)DIC Coverage Information
Basic Underwriting: (New Bus Suspension)Dwelling Fire GuidelinesProduct ComparisonDwelling Fire SpecimenDwelling Fire Cheat SheetOccupancy Verification FormDeath of Named Insured FormName Change Request Form Product Highlights
Basic Underwriting for DIC: (New Bus Suspension)
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Basic Underwriting for Rental/Investment Home (DP1-DP3)- (Full Time Occupancy):Dwelling Fire Und. GuidelinesDwelling Fire SpecimenProduct Comparison(Nevada)-Product ComparisonCA Homeowners EligibilitySub Limits Explained
Basic Underwriting for DIC:DIC Product GuideDIC Specimen
HO3-Underwriting GuidelinesPrimary Home SpecimenEquip. Breakdown CoverageEquipment Breakdown FAQAdding Trust Form
DIC one Pager.2020
Rate Comparison Analysis (RCA): Status Defintions:
Waiting = Waiting Validation ReviewSubmitted = Submitted to Carrier for Undewriting ApprovalFull = Approved for a Full Policy and Ready to Release to the Client DIC = Approved for a DIC Policy and Ready to Release to the ClientDec. by Am = Risk was declined by Accunt Manager and did not pursue validation.Dec. by CPA = Risk was declined by the CPA rule and validation not pursued.NB Susp. = Since there is a new business suspension in place at this time, validation not pursued.
STEP 6 - Prepare Application for Signatures:
Note: We need to prepare the Mercury application along with any additional underwriing forms for signatures.
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 GuidelinesPrimary Home SpecimenProduct Comparison(Nevada)-Product ComparisonCA Homeowners EligibilitySub Limits Explained
Note: We need to prepare the Foremost application along with any additional underwriing forms for signatures.
Note: We need to prepare the Travelers application along with any additional underwriing forms for signatures.
Note: We need to prepare the Hartford application along with any additional underwriing forms for signatures.
Note: We need to prepare the KW Specialty application along with any additional underwriing forms for signatures.
Note: We need to prepare the Nationwide application along with any additional underwriing forms for signatures.
Note: We need to prepare the Stillwater application along with any additional underwriing forms for signatures.
Note: We need to prepare the Progressive (ASI) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Honeycomb application along with any additional underwriing forms for signatures.
Note: We need to prepare the CSE application along with any additional underwriing forms for signatures.
Note: We need to prepare the First Cap (Preferred) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Aegis (First Connect) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Bamboo application along with any additional underwriing forms for signatures.
Note: We need to prepare the Bamboo (E&S) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Aegis application along with any additional underwriing forms for signatures.
Note: We need to prepare the A. Modern application along with any additional underwriing forms for signatures.
Note: We need to prepare the Pacific Specialty application along with any additional underwriing forms for signatures.
Note: We need to prepare the Sagesure application along with any additional underwriing forms for signatures.
Note: We need to prepare the Fair Plan application along with any additional underwriing forms for signatures.
Note: We need to prepare the First Cap (Ca Fair Plan Eq.) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Hippo application along with any additional underwriing forms for signatures.
Note: We need to prepare the Steadily application along with any additional underwriing forms for signatures.
Note: We need to prepare the SES application along with any additional underwriing forms for signatures.
Note: We need to prepare the AU Gold application along with any additional underwriing forms for signatures.
Note: We need to prepare the Obie (Accelerant Ins) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Obie (American National Ins Co) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Obie (Southlake Specialty Ins Co) application along with any additional underwriing forms for signatures.
Note: We need to prepare the Delos application along with any additional underwriing forms for signatures.
Note: We need to prepare the Bridge Spec. application along with any additional underwriing forms for signatures.
Note: We need to prepare the ISC application along with any additional underwriing forms for signatures.
Note: We need to prepare the Cabrillo application along with any additional underwriing forms for signatures.
Note: We need to prepare the Lightspeed application along with any additional underwriing forms for signatures.
Note: We need to prepare the Aegis (E&S) application along with any additional underwriing forms for signatures.
STEP 7 - Bind the Policy:
Note: We need to Bind the Mercury Policy.
Note: We need to Bind the Foremost Policy.
Note: We need to Bind the Travelers Policy.
Note: We need to Bind the Hartford Policy.
Note: We need to Bind the KW Specialty Policy.
Note: We need to Bind the Nationwide Policy.
Note: We need to Bind the Stillwater Policy.
Note: We need to Bind the Progressive (ASI) Policy.
Note: We need to Bind the Honeycomb Policy.
Note: We need to Bind the CSE Policy.
Note: We need to Bind the First Cap (Preferred) Policy.
Note: We need to Bind the Aegis (First Connect) Policy.
Note: We need to Bind the Bamboo Policy.
Note: We need to Bind the Bamboo (E&S) Policy.
Note: We need to Bind the Aegis Policy.
Note: We need to Bind the A. Modern Policy.
Note: We need to Bind the Pacific Specialty Policy.
Note: We need to Bind the Sagesure Policy.
Note: We need to Bind the Fair Plan Policy.
Note: We need to Bind the First Cap (Ca Fair Plan Eq.) Policy.
Note: We need to Bind the Hippo Policy.
Note: We need to Bind the Steadily Policy.
Note: We need to Bind the SES Policy.
Note: We need to Bind the AU Gold Policy.
Note: We need to Bind the Obie (Accelerant Ins) Policy.
Note: We need to Bind the Obie (American National Ins Co) Policy.
Note: We need to Bind the Obie (Southlake Specialty Ins Co) Policy.
Note: We need to Bind the Delos Policy.
Note: We need to Bind the Bridge Spec. Policy.
Note: We need to Bind the ISC Policy.
Note: We need to Bind the Cabrillo Policy.
Note: We need to Bind the Lightspeed Policy.
Note: We need to Bind the Aegis (E&S) Policy.
Now that you have Bound the Policy, its time to complete the Point of Sale. Hit Submit
STEP 6 - Process a BOR:
(What is a BOR or AOR)
Note: We need to send a Mercury BOR to the client for signing.
Basic Underwriting for Mercury BOR
-California Auto does not allow BOR in California.The policy must be written with a new business applicationas to move to another agency.
Note: We need to send a Travelers BOR to the client for signing.
Basic Underwriting for Travelers BOR
-Travelers requires at least 30 days prior to renewal for the policy to be successfullytransferred 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.
Basic Underwriting for Hartford BOR
-Hartford requires at least 20 days prior to renewal for the policy to be successfullytransferred 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 KW Specialty BOR to the client for signing.
Basic Underwriting for KW Specialty BOR
-
Note: We need to send a Nationwide BOR to the client for signing.
Basic Underwriting for Nationwide BOR
-Nationwide requires at least 30 days prior to renewal for the policy to be successfullytransferred 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.
Basic Underwriting for Stillwater BOR
Note: We need to send a Progressive BOR to the client for signing.
Basic Underwriting for Progressive BOR
-Progressive requires at least 15 days prior to renewal for the policy to be successfullytransferred 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 Honeycomb BOR to the client for signing.
Basic Underwriting for Honeycomb BOR
Note: We need to send a CSE BOR to the client for signing.
Basic Underwriting for CSE BOR
Note: We need to send a First Cap (Preferred) BOR to the client for signing.
Basic Underwriting for First Cap (Preferred) BOR
Note: We need to send a Aegis (First Connect) BOR to the client for signing.
Basic Underwriting for Aegis (First Connect) BOR
Note: We need to send a Bamboo BOR to the client for signing.
Basic Underwriting for Bamboo BOR
Note: We need to send a Foremost BOR to the client for signing.
Basic Underwriting for Foremost BOR
-Foremost Specialty 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 Bamboo (E&S) BOR to the client for signing.
Basic Underwriting for Bamboo (E&S) BOR
Note: We need to send an Aegis BOR to the client for signing.
Basic Underwriting for Aegis BOR
-Aegis 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 A. Modern BOR to the client for signing.
Basic Underwriting for A. Modern BOR
-American Modern does not allow BOR in California.The policy must be written with a new business applicationas to move to another agency.
Note: We need to send a Pacific Specialty BOR to the client for signing.
Basic Underwriting for Pacific Specialty BOR
Note: We need to send a Sagesure BOR to the client for signing.
Basic Underwriting for Sagesure BOR
Note: We need to send a Fair Plan BOR to the client for signing.
Basic Underwriting for Fair Plan BOR
Note: We need to send a First Cap (Ca Fair Plan Eq.) BOR to the client for signing.
Basic Underwriting for First Cap (Ca Fair Plan Eq.) BOR
Note: We need to send a Hippo BOR to the client for signing.
Basic Underwriting for Hippo BOR
Note: We need to send a Steadily BOR to the client for signing.
Basic Underwriting for Steadily BOR
Note: We need to send a SES BOR to the client for signing.
Basic Underwriting for SES BOR
Note: We need to send a AU Gold BOR to the client for signing.
Basic Underwriting for AU Gold BOR
Note: We need to send a Obie (Accelerant Ins) BOR to the client for signing.
Basic Underwriting for Obie (Accelerant Ins) BOR
Note: We need to send a Obie (American National Ins Co) BOR to the client for signing.
Basic Underwriting for Obie (American National Ins Co) BOR
Note: We need to send a Obie (Southlake Specialty Ins Co) BOR to the client for signing.
Note: We need to send a Delos BOR to the client for signing.
Basic Underwriting for Delos BOR
Note: We need to send a Bridge Specialty BOR to the client for signing.
Basic Underwriting for Bridge Specialty BOR
Note: We need to send a ISC BOR to the client for signing.
Basic Underwriting for ISC BOR
Note: We need to send a Cabrillo BOR to the client for signing.
Basic Underwriting for Cabrillo BOR
Note: We need to send a Lightspeed BOR to the client for signing.
Basic Underwriting for Lightspeed BOR
Note: We need to send a Aegis (E&S) BOR to the client for signing.
Basic Underwriting for Aegis (E&S) BOR
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.