Coverage Access for your Clients

Big "I" Markets, the online market access system available exclusively to Big "I" members, has partnered with Coalition, the leading technology-enabled cyber insurance solution, to give agents access to the cyber and technology errors & omissions insurance markets.

Coalition is the first insurance-enabled technology firm built to help businesses before, during and after a cyber incident. During the online quoting process, your client's network and web properties undergo an automated risk assessment to identify known issues and potential security weaknesses.

Once coverage is bound, Coalition provides ongoing monitoring for new and emerging threats specific to the information technology used by the insured, adding an extra layer of defense. All policies include this technology-driven approach which includes automated alerts, threat intelligence and ongoing policyholder monitoring along with a dedicated claims and security team should a breach occur.

Through the Big "I" Markets platform, any Big "I" member agency can quote and bind insurance online. Big "I" members also have direct access to Coalition's licensed agents and renowned cybersecurity experts via online chat throughout the sales and underwriting process. Watch our brief Coalition cyber insurance overview video and a demonstration of our streamlined cyber submission process to see how the quoting process works.

Coalition is now admitted in many states providing agents with a one-stop shop to place coverage for small business as well as the most complex risks in the surplus arena. Limits up to $15M are available to U.S. risks generating less than $1B in revenue/gross profit.

How to Get Started:

Coalition Application
Coalition Highlights

STAFF CONTACT:
Carol Hunt
(205) 326-4129

OR

Log in to www.bigimarkets.com and select Cyber Insurance - Coalition. Valuable resources such as a Cyber Declination form, Claims Examples, Coverage Examples, and What is MFA? can be found in the Product Resources section. Don't delay, login today!

INDEPENDENT MARKET SOLUTIONS

Access to markets shouldn't prevent you from writing business.  IMS is a standard commission market access solution to fit every member.

New or small agencies with little or no direct appointments can begin writing policies immediately.

Mid-size to large agencies can place a niche piece of business to satisfy clients' needs without taking on additional minimums or placing less desirable risks with an existing market.

WHAT YOU NEED TO KNOW:

• No joining costs or monthly fees
• Standard commissions plus profit sharing
• Agent owns 100% of expirations
• Own your book of business
• Sub-producer appointments
• Direct working relationships with carriers to help you build relationships
• Opportunity for direct appointments when minimum volume thresholds are met
• New carriers/products added regularly
• Exceptional customer service

WHAT ARE YOU WAITING FOR? Let's get you started today!!

IMS-Alabama Participating Carriers

Access to IMS is available at no charge to AIIA MEMBERS.

NOT AN AIIA MEMBER? Apply today!!

RLI At Home Business Insurance

Do Your Clients Run a Small Business Out of Their Home?
Homeowners insurance may not cover you when:
1. Your business equipment is stolen out of your vehicle
2. A power surge damages your computer
3. Someone steals your cashbox
4. Your groceries spill onto your inventory in your trunk
5. You accidentally knock over the display next to you at an exhibition or show

Premiums starting as low as $150 annually*

POLICY FEATURES
*Liability limits up to $1 million
*Satisfies most event/show liability requirements
*Business property protection up to $100,000
*Loss of income coverage
*Optional coverage for money & securities as well as electronic media

NEW APPLICATION
RLI @Home Business Application
RLI HBI Rating Guide
RLI HBI Eligible Class Descriptions
RLI HBI Terrorism Insurance Terrorism Acceptance

Effective March 1, 2009, on new and renewal policies, RLI is offering the option to add a second location to Home Business Insurance policies. Eligibility requirements are as follows: 2nd location - risks may store BPP at a second location, but may not operate their business from a second location, other than a secondary residence. The following examples of an eligible second location:
1. Insured rents or owns a second home
2. Partnership/Corporation - Two owners of each working from their own home. (Note: A third location may be added by endorsement with underwriting approval.)
3. Storage Units (Maximum Size: 250 square feet)
4. Outbuildings located on insured's premises, but more than 100 feet away from their home (any size).

STAFF CONTACT:
Tangerie Underwood
(205) 326-4129 Ext. 105

RLI Personal Umbrella Policies & Information

RLI will also be introducing additional rating changes at this time. Highlights to be aware of include:

• A 5% increase on Excess UM/UIM rates, including states rated on a per driver basis. For example, $150 per driver becomes $158 per driver
• Incident surcharge for drivers under 22 and/or 80 and older have increased from $100 per incident to $200 per incident. In addition, this question (question 14 on new business) will be split into 14a and 14b in PUP Access, but will remain the same combined question on the paper application.
• On new business, we have removed the $100 surcharge for a driver licensed less than one year, with a permit, or international license (Question 13). A response greater than zero will continue to place the risk in PUP Special, and restrict to $1M coverage.
• Surcharge increase for households with a youthful or inexperienced operator, as well as an increase in the 80+ surcharge in NY, PA, and GA.

As always, the updated rates will be available by quoting within PUP Access or at www.rlipup.com, and will be in compliance with state-approved filings.

THE E & O QUESTION YOU DON’T WANT TO BE ASKED:
“IF EXTRA LIABILITY COVERAGE WAS AVAILABLE, WHY DIDN’T YOU PROVIDE IT TO YOUR CLIENT BEFORE THIS ACCIDENT?”

RLI’s stand-alone Personal Umbrella Policy can provide up to $5 million of coverage above and beyond the insured’s underlying homeowners and automobile policies, which makes it a perfect solution for hard to place personal lines accounts.

• No minimum volume requirements or access fees
• Earn 0% commission on new and renewal business (PUP Special commission rate is 8% new and 7% renewal)
• Does not require or desire underlying policies
• RLI is admitted and A.M. Best A+ rated

EXPANDED Appetite Criteria (PUP Special)

UM / UIM Coverage
Drivers licensed less than 1 year
Property owned outside of United States
1 DUI/DWI (eligibility guidelines apply)
1 Incident each (drivers 20-21 & over 80)

​​PUP Application -
(Eligibility Guidelines)

The RLI personal umbrella is easy to rate, has no underlying carrier requirements, has 3 underwriting tiers, with limits up to $5 million. RLI, rated A+ by AM Best, offers a personal umbrella policy so your customers can protect their hard-earned assets. RLI pays 10% Commission on qualified business! If you have any questions, please contact  Tangerie Underwood  at (205) 326-4129, ext. 105.

Have You Heard about EPUP?
RLI requires an online login for submissions through the RLI portal. It allows you to complete and application and pay online. However, you will need a login ID and password. Contact Tangerie Underwood to receive your login ID and password. www.rlipup.com

RLI Umbrella Policy Features
RLI's PUP stands atop your existing homeowner and auto insurance to provide an extra layer of personal liability protection for you and your family. With RLI's PUP program, you can maintain your auto or home coverage with whatever insurance company you choose, provided you agree to maintain the mandatory minimum. The RLI PUP program provides the best protection for you and your family. The policy may be written either in the name of an individual, in the names of both spouses, or in the names of two unrelated individuals as long as they reside in the same household. The insured’s spouse and members of the insured’s household who are relatives or are in the insured’s care and custody are insured under the policy.

STAFF CONTACT:
Tangerie Underwood
(205) 326-4129 Ext. 105

In partnership with the Big "I" Flood program, we offer access to the National Flood Insurance Program (NFIP) using Selective Insurance as our endorsed Write-Your-Own carrier for primary flood. Both programs can be accessed after registering to quote submissions on the Big "I" Markets website. The Big "I" Flood program pays strong commissions and keeps you up-to-date with FEMA.

CONTACT:
Jeffrey Lawrence
Senior Territory Manager
(904) 510-4400
​www.selective.com