BRITECORE. spriska.britecore.com

Transcription

1 BRITECORE spriska.britecore.com

2 SPRISKA BRITECORE ICON GLOSSARY NEW QUOTE/APPLICATION The blue dollar sign icon allows you to generate a new quote or application. TOGGLE The A/Q toggle button allows producers to toggle unsubmitted policies back and forth between a Quote and Application. This icon will default to. Policy is an Application when this is selected you are able to view and complete applications and supplements required for submission to underwriting. Policy is a Quote when this is selected you are only able to view the premium indication. You are not able to view the applications, supplements or submit to underwriting. Recommended Best Practice = change this icon to you begin a new quote/application. Policy is an Application by clicking on the icon as soon as ADD The green + icon allows you to add a contact, policy coverage, policy form, application or another piece of information to the application. DELETE The red X icon allows you to delete information. This symbol will appear next to information that is able to be deleted, such as a contact, a policy coverage, etc. EDIT The pencil icon allows you to edit a section of information. Clicking the pencil icon will reopen the screens where you originally entered data. INFORMATION The information icon can be found within the Rating screen. When you click on this icon a message will appear with helpful information to walk you through the rating process. ARROWS You will see these arrows throughout the quoting system. When you click on an arrow it will either open or close depending on its default position. When the arrow is pointing down that section is open. When the arrow is pointing to the right that section is closed. Page 1 of 1

3 SPRISKA BRITECORE OVERVIEW Page 1 of 9

4 GETTING STARTED TO LOG IN TO SPRISKA BRITECORE: 1. Open Firefox web browser (download free at 2. Go to the SPRISKA BriteCore website ( 3. In the Username input field, type your username. Press Enter or Click Go. 4. In the Password input field, type your password. Press Enter or Click Go. If you do not have a username and password please contact SPRISKA Producer Support at x 812. If you forget your login information you can click I Forgot My Username and/or Password in the bottom right corner of your screen. You will then be prompted to enter the address your Agency has set up as the Administrator. A link to reset your Agency login information will be sent to your Agency Administrator. SPRISKA BRITECORE SPRISKA BriteCore's dashboard is made up of six core modules: New Quote, Policies, Claims, Payments, Stats, and Settings. These modules have been created to increase the ease of doing business by displaying only those items needed for producers to efficiently perform their duties. From the dashboard, producers are able get a quick quote, submit an application, review policies, check on the status of a claim, send an electronic payment, review commission, review loss ratio, and change the Agency username and password. Page 2 of 9

5 NAVIGATION In the image below, notice the dashboard's quick navigation points highlighted in red. These are built in links to the SPRISKA website, Quote a New Policy, and Logout which are located on the dashboard. The BriteCore logo is located in the top left corner of each screen. You can click the BriteCore logo in order to access the dashboard from any of the modules. Page 3 of 9

6 EXPLORING SPRISKA BRITECORE POLICIES In the Policies module, you can quickly and easily create an application or search and view existing policies. Below is an example of the Policies screen. NOTE: The Help link will help you by displaying the different ways to search for a policy/application. The check boxes highlighted above will allow you to narrow your search by the current status of the policy/application. Policy Status Please see the following explanations for policy statuses: Unsubmitted = an application that has not yet been submitted to the company for approval Submitted = an application that has been submitted to the company but has not been bound Rejected = an application that has been declined Active = a policy that is in force Cancel Pending = a policy that is pending cancellation Cancelled = a policy that has been cancelled Renewal Status If a policy is a short term (special event) the Renewal Status will show Non Renew. Short term events are never renewed. Each event is written as a new piece of business. Page 4 of 9

7 CLAIMS In the Claims module, producers can view an entire list of their client's claims or search for a specific claim. Within an individual claim, producers can view the general information. When searching for existing claims, you can use keyword(s) to help locate a specific claim. You can even further refine your search by filtering according to claim status. Page 5 of 9

8 PAYMENTS The Payments module is where producers can enter electronic payments on behalf of the insured and submit Agency Sweeps. Overnight, the funds will be transferred from the agency s account to the company's account. The system automatically posts the payment to its respective policy. NOTE: You must have a valid ACH form on file with Spriska for your agency sweep account to be set up. Please contact Producer Services to request a form or change the account information on file. In order to make a payment using the Insured s credit card or ACH you will need to go to the SPRISKA website and click on Make a Payment. Page 6 of 9

9 STATS The Stats module is where producers can view, measure, and interpret their own statistics. Producers have the ability to view loss ratio and commissions by month. Page 7 of 9

10 SETTINGS The Settings module allows your Agency to change login preferences, including username and password. The confirmation is the Agency Administrator address. NOTE: Your Agency will only have one username and password. If an individual changes the username and password it will affect all users in your office. If a member of your office that was privy to this information leaves your agency, you need to change your password, so they cannot access the system. LIVE CHAT For your convenience we have a Live Chat service available for questions or issues that may come up during the submission process. If no one is available, or if it is after business hours, you will be able to leave a message via the Live Chat and a representative will contact you as soon as possible. Page 8 of 9

11 LOGGING OUT OF SPRISKA BRITECORE To secure your user settings and privacy, log out of SPRISKA BriteCore once you are finished. TO LOG OUT 1. Click on the BriteCore logo in the upper left corner of your screen to access the dashboard. 2. Click the Logout button. 3. Exit your browser. Page 9 of 9

12 SPRISKA BRITECORE HOW TO QUOTE SPECIAL EVENT GENERAL LIABILITY Page 1 of 11 08/29/2014

13 STEP ONE From the SPRISKA BriteCore Dashboard you can begin a quote by clicking on New Quote in the top right corner of the screen or by going to the Policies Module. STEP TWO When you click New Quote, you will have seven tabs to work through before you are able to submit the application to the Company. Insureds Policy Risks Rating Billing Attachments Submit Page 2 of 11 08/29/2014

14 At the bottom of each tab is a Back, Save, and Next Button. Once you have completed filling out each, you will click Next to move on to the next tab. If you need to move to a previous tab, you can click Back or choose that tab under Policy Setup (the Insureds tab does not have a Back button because there are no tabs before it). Recommended Best Practice = Save your work as you go! STEP THREE You will notice a blue icon on the screen that says Policy is a Quote this is a premium indication only. Please click on this icon to change it to Policy is an Application. This will allow you to complete the required application(s) and submit the business for underwriting review. Page 3 of 11 08/29/2014

15 STEP FOUR The first tab is the Insureds tab. This is where you will enter: 1. The Insured s name and mailing address. Once you have entered the name you can then click the Tab key on your keyboard. NOTE: This information will become policy information if issued, please enter exactly how it should be printed on policy. NOTE: If quoting multiple lines, be sure to input named insured exactly as on the original line of business, as it will pull the insured s mailing address and link the policies together. 2. This will open a Contact screen where you will enter the details for the Insured. Once you have entered the name, address and phone number for the contact you will click on Done. You can also edit the contact information by clicking on the pencil icon next to the named insured. 3. You will enter your Additional Interests, if any, by clicking on the under Additional Interests. NOTE: Additional Insured(s) must also be added under the rating tab. Page 4 of 11 08/29/2014

16 STEP FIVE The Policy tab is where you will: 1. Select the state from the drop down box. 2. Click on the arrow next to the policy type and select the radial button next to Special Event. 3. Enter the Effective Date. 4. Set Policy Term For a special event you will select a custom term and indicate the expiration date. NOTE: Even for an event only lasting one hour, you must change the expiration date to the NEXT day. 5. Answer the general underwriting questions if your answer requires explanation, you will need to explain before you can submit the application to underwriting for review. Page 5 of 11 08/29/2014

17 STEP SIX The Risks tab is where you will enter the location address for the event. If the location address is the same as the insured s mailing address you can click on the blue text that says Copy From Named Insured. Page 6 of 11 08/29/2014

18 STEP SEVEN The Rating tab is where you will enter the coverage information. You will notice that the arrows on the left side of the table are pointing towards the right. When the arrow is pointing right, it is closed. When the arrow is pointing down, it is open. Be sure you open each arrow and input the necessary information before completing your submission. Page 7 of 11 08/29/2014

19 STEP EIGHT You will need to go through each line and enter the appropriate information. Special Event: 1. Select the limits of liability desired. 2. Select the type of event from the Classification drop down box. 3. Select the number of days the event will be held (do not include set up and break down). Legal Entity: 1. Select the correct legal entity type. Additional Insured: 1. If there is an Additional Insured requested, click on. 2. Once you have added the Additional Insured line to the policy you can select the number of Additional Insureds. NOTE: If you would like to submit the application for consideration, you will need to complete the Application Questions Page 8 of 11 08/29/2014

20 Application Questions: 1. Click the arrow next to Application Questions in order to open the application. 2. If the question is required for submission it will have an * after it. Recommended Best Practice = answer all questions, even if they are not marked as required. If not applicable, answer N/A. STEP NINE When you have entered all of your information and answered any Supplemental Questions you are then able to Rate and Save. This will give you a premium indication. Page 9 of 11 08/29/2014

21 STEP TEN The Billing tab is where you can view the Billing Schedule. You do not need to enter a payment to submit the application. Underwriting must approve the submission before coverage can be bound. Special Event policies can only have a billing schedule of annual. Payment must be made in full prior to coverage being bound. STEP ELEVEN The Attachments tab is where you can attach loss runs, photos, etc. Page 10 of 11 08/29/2014

22 STEP TWELVE The Submit tab is where you can submit the application for underwriting review. 1. Enter desired addresses for the Payment Receipt & Submission Confirmation (optional). 2. Click Submit Application for underwriter review. NOTE: Upon clicking Submit, you will no longer be able to edit the quote. STEP THIRTEEN Once the application is submitted the underwriter will approve, reject or request additional information, if necessary. If approved, the underwriter will send the Quote Summary to the contact indicated on the application. The Quote Summary will need to be signed and returned in order to bind coverage we will not automatically bind coverage without a request. NOTE: Full payment is due prior to binding a Special Event Policy. Page 11 of 11 08/29/2014

23 SPRISKA BRITECORE HOW TO QUOTE LIQUOR LIABILITY & SPECIAL EVENT LIQUOR LIABILITY Page 1 of 11 8/29/2014

24 STEP ONE From the SPRISKA BriteCore Dashboard you can begin a quote by clicking on New Quote in the top right corner of the screen or by going to the Policies Module. STEP TWO When you New Quote, you will have seven tabs to work through before you are able to submit the application to the Company. Insureds Policy Risks Rating Billing Attachments Submit Page 2 of 11 8/29/2014

25 At the bottom of each tab is a Back, Save, and Next Button. Once you have completed filling out each, you will click Next to move on to the next tab. If you need to move to a previous tab, you can click Back or choose that tab under Policy Setup (the Insureds tab does not have a Back button because there are no tabs before it). Recommended Best Practice = Save your work as you go! STEP THREE You will notice a blue icon on the screen that says Policy is a Quote this is a premium indication only. Please click on this icon to change it to Policy is an Application. This will allow you to submit the business for underwriting review. Page 3 of 11 8/29/2014

26 STEP FOUR The first tab is the Insureds tab. This is where you will enter: 1. The Insured s name and mailing address. Once you have entered the name you can then click the Tab key on your keyboard. NOTE: This information will become policy information if issued, please enter exactly how it should be printed on policy. NOTE: If quoting multiple lines, be sure to input named insured exactly as on original line of business, as it will pull insured mailing address and link the policies together. 2. This will open a Contact screen where you will enter the details for the Insured. Once you have entered the name, address and phone number for the contact you will click on Done. You can also edit the contact information by clicking on the pencil icon next to the named insured. 3. You will enter your Additional Interests, if any, by clicking on the under Additional Interests. NOTE: Additional Insured must also be added under the rating tab. NOTE: The building owner should always be listed as an Additional Insured, if they are not the named insured. There is NO CHARGE for Additional Insured(s) on a Liquor Liability Policy. Page 4 of 11 8/29/2014

27 STEP FIVE The Policy tab is where you will enter: 1. Select the state from the drop down box. 2. Click on the arrow next to the policy type and select the radial button next to Special Event or Liquor Liability. 3. Enter the Effective Date under Policy Term 4. Policy Term For a Liquor Liability Special Event you will select a custom term and indicate the expiration date. If this is an annual policy you can leave the term at 1 year. NOTE: Even for an event only lasting one hour, you must change the expiration date to the NEXT day. If the effective date and expiration date are the same, the policy will be in force and expire at the same time. 5. Answer the general underwriting questions if your answer requires explanation, you will need to explain before you can submit the application to underwriting for review. Page 5 of 11 8/29/2014

28 STEP SIX The Risks tab is where you will enter the location address. If the location address is the same as the insured s mailing address you can click on the blue text that says Copy From Named Insured. From this tab you can also attach photos or enter loss disclosure information. Page 6 of 11 8/29/2014

29 STEP SEVEN The Rating tab is where you will enter the coverage information. You will notice that the arrows on the left side of the table are pointing towards the right. When the arrow is pointing right, it is closed. When the arrow is pointing down, it is open. Be sure you open each arrow and input the necessary information before completing your submission. Page 7 of 11 8/29/2014

30 For Annual Liquor Liability Policy: 1. Select the desired limits of liability. 2. Enter the liquor receipts. NOTE: you will need to enter the receipts up to $100,000 in the first box and any receipts over $100,000 in the second box. If you do not enter the sales correctly your premium indication will be incorrect. {EXAMPLE: $150,000 total liquor sales you would enter in the first box and in the second box} 3. Select the business classification. 4. Select the territory. 5. Package Credit is only available if quoting other lines of coverage for the insured. For Special Event Liquor Liability Policy: 1. Select the desired limits of liability. a. If changing the limit for Each Common Cause, please remember to also change the Aggregate limit accordingly. 2. Enter the number of attendees consuming alcohol per day. 3. Select the type of event. 4. Select the territory. Page 8 of 11 8/29/2014

31 Legal Entity: 1. Select the correct legal entity type. Adding Endorsements: Click on in order to add the following: 1. Common Law Endorsement 2. Additional Insured Endorsement (there is no charge for adding additional insured on a liquor liability policy) NOTE: If you would like to submit the application for consideration, you will need to complete the Application Questions Application Questions: 1. Click the arrow next to Application Questions in order to open the application. 2. If the question is required for submission it will have an * after it. Recommended Best Practice = answer all questions, even if they are not marked as required. If not applicable, answer N/A. OR STEP EIGHT When you have entered all of your information and answered any Supplemental Questions you are then able to Rate and Save. This will give you a premium indication. Page 9 of 11 8/29/2014

32 STEP NINE The Billing tab is where you can view the Billing Schedule. You do not need to enter a payment to submit the application. Underwriting must approve the submission before coverage can be bound. Please leave all Billing Schedules as Annual advise Underwriter of desired Billing Schedule when binding coverage. NOTE: Special Event s policies must be paid in full prior to binding coverage. STEP TEN The Attachments tab is where you can attach loss runs, photos, etc. Page 10 of 11 8/29/2014

33 STEP ELEVEN The Submit tab is where you can submit the application for underwriting review. 1. Enter desired addresses for the Payment Receipt & Submission Confirmation (optional). 2. Click Submit Application for underwriter review. NOTE: Upon clicking Submit, you will no longer be able to edit the quote. STEP TWELVE Once the application is submitted the underwriter will approve, reject or request additional information if necessary. If approved, the underwriter will send the Quote Summary to the contact indicated on the application. The Quote Summary will need to be signed and returned in order to bind coverage we will not automatically bind coverage without a request. NOTE: Full payment is due prior to binding a Special Event Policy. Page 11 of 11 8/29/2014

34 SPRISKA BRITECORE HOW TO QUOTE GENERAL LIABILITY Page 1 of 15

35 STEP ONE From the SPRISKA BriteCore Dashboard you can begin a quote by clicking on New Quote in the top right corner of the screen or by going to the Policies Module. STEP TWO When you click New Quote, you will have seven tabs to work through before you are able to submit the application to the Company. Insureds Policy Risks Rating Billing Attachments Submit Page 2 of 15

36 At the bottom of each tab is a Back, Save, and Next Button. Once you have completed filling out each, you will click Next to move on to the next tab. If you need to move to a previous tab, you can click Back or choose that tab under Policy Setup (the Insureds tab does not have a Back button because there are no tabs before it). Recommended Best Practice = Save your work as you go! STEP THREE You will notice a blue icon on the screen that says Policy is a Quote this is a premium indication only. Please click on this icon to change it to Policy is an Application. This will allow you to submit the business for underwriting review. Page 3 of 15

37 STEP FOUR The first tab is the Insureds tab. This is where you will enter: 1. The Insured s name and mailing address. Once you have entered the name you can then click the Tab key on your keyboard. NOTE: This information will become policy information if issued, please enter exactly how it should be printed on policy. NOTE: If quoting multiple lines, be sure to input named insured exactly as on original line of business, as it will pull insured mailing address and link the policies together. 2. This will open a Contact screen where you will enter the details for the Insured. Once you have entered the name, address and phone number for the contact you will click on Done. You can also edit the contact information by clicking on the pencil icon next to the named insured. 3. You will enter your Additional Interests, if any, by clicking on the under Additional Interests. NOTE: Additional Insured(s) must also be added under the rating tab. Page 4 of 15

38 STEP FIVE The Policy tab is where you will: 1. Select the state from the drop down box. 2. Click on the arrow next to the policy type and select the radial button next to General Liability. 3. Enter the Effective Date under Policy Term 4. Policy Term you can disregard this drop down, it will default to 1 year. 5. Answer the general underwriting questions if your answer requires explanation, you will need to explain before you can submit the application to underwriting for review. Page 5 of 15

39 STEP SIX The Risks tab is where you will enter the location address. If the location address is the same as the insured s mailing address you can click on the blue text that says Copy From Named Insured. From this tab you can also attach photos or enter loss disclosure information. NOTE: If insured has more than one location, click Page 6 of 15

40 STEP SEVEN The Rating tab is where you will enter the coverage information. You will notice that the arrows on the left side of the table are pointing towards the right. When the arrow is pointing right, it is closed. When the arrow is pointing down, it is open. Be sure you open each arrow and input the necessary information before completing your submission. Page 7 of 15

41 STEP EIGHT For General Liability you will first select the desired limits of liability. STEP NINE You will need to go through each line and enter the appropriate information. Premises/Operations Selection Disregard the deductible drop down there is only one option available. Page 8 of 15

42 Class Code 1 Premises/Operations Final: 1. Disregard the boxes titled Enter Special a rate and Experience Rating Factor this is for underwriting use. 2. Select the GL business classification. 3. Select the Territory 4. Select yes to include Personal Injury/Advertising Injury or no to exclude Personal Injury/Advertising Injury 5. Apply appropriate credit or debit. All scheduled credit or debit must be explained in the application and approved by underwriting. 6. Enter the location if different from the Property address entered under the Risk tab. If the location is the same, indicate by typing in Per Declaration. Page 9 of 15

43 Class Code 1 Premises/Operations: 1. Enter the exposure bases for the appropriate classification, in the example below, it is the Payroll Amount. NOTE: The Minimum/Maximum payroll per owner or officer = $22, If you have additional class codes you can add them by clicking on the next to Add Line Items to Subline. NOTE: Once you select Class Code 2 the system will pull in all lines necessary for rating. Page 10 of 15

44 Products/Completed Operations: 1. The Product/Completed Operations Codes will automatically pull from the business description entered under the Premises/Operations section. 2. The Premium Basis does NOT automatically pull through; please re enter the same premium basis as used under the Premises/Operations section. Legal Entity: 1. Select the correct legal entity type NOTE: If you would like to submit the application for consideration, you will need to complete the Application Questions. Application Questions: 1. Click the arrow next to Application Questions in order to open the application. 2. If the question is required for submission it will have an * after it. Recommended Best Practice = answer all questions, even if they are not marked as required. If not applicable, answer N/A. NOTE: If your business classifications include any of the following: Restaurant/Tavern, Contractor, Manufacturer or Roofer, then please add the appropriate supplement by clicking Add Line Item to Subline. Page 11 of 15

45 Additional Insured: 1. To add an additional insured, click on the next to Add Liability Subline, under the Applications box 2. Choose Additional Insured & click Done 3. Click on the next to Add Items to Subline to bring up Additional Insured form options. NOTE: Please contact underwriter if assistance is needed selecting proper form. Page 12 of 15

46 STEP TEN When you have entered all of your information and answered any Supplemental Questions you are then able to Rate and Save. This will give you a premium indication. STEP ELEVEN The Billing tab is where you can view the Billing Schedule. You do not need to enter a payment to submit the application. Underwriting must approve the submission before coverage can be bound. Please leave all Billing Schedules as Annual advise Underwriter of desired Billing Schedule when binding coverage. Page 13 of 15

47 STEP TWELVE The Attachments tab is where you can attach loss runs, photos, etc. STEP THIRTEEN The Submit tab is where you can submit the application for underwriting review. 1. Enter desired addresses for the Payment Receipt & Submission Confirmation (optional). 2. Click Submit Application for underwriter review. NOTE: Upon clicking Submit, you will no longer be able to edit the quote. Page 14 of 15

48 STEP FOURTEEN Once the application is submitted the underwriter will approve, reject or request additional information, if necessary. If approved, the underwriter will send the Quote Summary to the contact indicated on the application. The Quote Summary will need to be signed and returned in order to bind coverage we will not automatically bind coverage without a request. Page 15 of 15

49 SPRISKA BRITECORE HOW TO QUOTE PROPERTY Page 1 of 22

50 STEP ONE From the SPRISKA BriteCore Dashboard you can begin a quote by clicking on New Quote in the top right corner of the screen or by going to the Policies Module. STEP TWO When you click New Quote, you will have seven tabs to work through before you are able to submit the application to the Company. Insureds Policy Risks Rating Billing Attachments Submit Page 2 of 22

51 At the bottom of each tab is a Back, Save, and Next Button. Once you have completed filling out each, you will click Next to move on to the next tab. If you need to move to a previous tab, you can click Back or choose that tab under Policy Setup (the Insureds tab does not have a Back button because there are no tabs before it). Recommended Best Practice = Save your work as you go! STEP THREE You will notice a blue icon on the screen that says Policy is a Quote this is a premium indication only. Please click on this icon to change it to Policy is an Application. This will allow you to submit the business for underwriting review. Page 3 of 22

52 STEP FOUR The first tab is the Insureds tab. This is where you will enter: 1. The Insured s name and mailing address. Once you have entered the name you can then click the Tab key on your keyboard. NOTE: This information will become policy information if issued, please enter exactly how it should be printed on policy. NOTE: If quoting multiple lines, be sure to input named insured exactly as on original line of business, as it will pull insured mailing address and link the policies together. 2. This will open a Contact screen where you will enter the details for the Insured. Once you have entered the name, address and phone number for the contact you will click on Done. You can also edit the contact information by clicking on the pencil icon next to the named insured. 3. You will enter your Additional Interests, if any, by clicking on the under Additional Interests. NOTE: Mortgagee(s) and Loss Payee(s) will be added under the Risks tab NO need to enter here. Page 4 of 22

53 STEP FIVE The Policy tab is where you will: 1. Select the state from the drop down box. 2. Click on the arrow next to the policy type and select the radial button next to Property. 3. Enter the Effective Date under Policy Term. 4. Policy Term you can disregard this drop down; it will default to 1 year. 5. Answer the general underwriting questions if your answer requires explanation, you will need to explain before you can submit the application to underwriting for review. Page 5 of 22

54 STEP SIX The Risks tab is where you will enter the location address. If the location address is the same as the insured s mailing address you can click on the blue text that says Copy From Named Insured. If you have more than one location or building you will click the next to Add a Property. From this tab you can also add a Mortgagee or Loss Payee, attach photos or enter loss disclosure information. Example of more than one location or building: Page 6 of 22

55 Specify the Location Number and Building Number in the Address line 1. See below. STEP SEVEN The Rating tab is where you will enter the coverage information. Below is what your screen will look like if you have only one location and one building. Page 7 of 22

56 Below is what your screen will look like if you have multiple locations and/or buildings. If you have multiple locations and/or buildings you will click on the black information. next to the Location/Building to enter the coverage Page 8 of 22

57 STEP EIGHT For Commercial Property you will first select the desired property limits and deductible. If the coverage does not apply you will leave the limit as $0. The deductible will sync for all coverages except wind/hail deductible. You must select this separately (see STEP ELEVEN) and it must be equal to or greater than property deductible. Page 9 of 22

58 STEP NINE You will notice that the arrows on the left side of the table are pointing to the right. When the arrow is pointing right, it is closed. When the arrow is pointing down, it is open. Be sure you open each arrow next to the coverage that applies and input the necessary information while completing your submission. Page 10 of 22

59 STEP TEN You will need to go through each coverage line that applies and select the appropriate information. You can disregard the lines without arrows to the left. Building Coverage Rating Data All of the drop down boxes in the Building Coverage section sync with BPP and BI except for the boxes highlighted in red below. If a selection says CARRIER USE ONLY please disregard and move to the next selection box. Please note the next to the drop down boxes these will provide additional information for the selections. Page 11 of 22

60 Perils Covered: Page 12 of 22

61 Construction Type: Protection Class: Page 13 of 22

62 Business Personal Property Rating Data All of the drop down boxes in the Building Coverage section sync with BPP and BI except for the boxes highlighted in red below. If a selection says CARRIER USE ONLY please disregard and move to the next selection box. Please note the next to the drop down boxes these will provide additional information for the selections. Business Income Rating Data All of the drop down boxes in the Building Coverage section sync with BPP and BI except for the boxes highlighted in red below. If a selection says CARRIER USE ONLY please disregard and move to the next selection box. Please note the next to the drop down boxes these will provide additional information for the selections. Page 14 of 22

63 Business Income Time Element Coverages: PURPOSES OF TIME ELEMENT (INCOME) COVERAGE: 1. TO PROVIDE PROTECTION DUE TO REDUCED SALES/INCOME AND/OR INCREASE EXPENSES THAT RESULT FROM DAMAGE TO BUILDING OR PERSONAL PROPERTY. 2. TO RESTORE INSURED TO SAME POSITION HAD NO LOSS OCCURRED TIME ELEMENT FORMS LOSS OF EARNINGS THIS COVERAGE WILL: o PAY FOR CONTINUING NORMAL OPERATING EXPENSES o PAY FOR LOST PROFITS EXTRA EXPENSE o NECESSARY ABOVE NORMAL EXPENSES DUE TO LOSS o TO CONTINUE OPERATIONS AT ANY LOCATION o TO REDUCE THE SUSPENSION OF OPERATIONS o TO REPLACE PROPERTY(ONLY TO EXTENT IT HELPS REDUCE THE TOTAL AMOUNT OF LOSS RENTS RENTAL VALUE (BUSINESS INCOME FROM RENTAL VALUE) o ANTICIPATED RENTAL INCOME FROM TENANTS o FAIR RENTAL VALUE OF PORTION OCCUPIED BY INSURED TIME ELEMENT COVERAGE OPTIONS EARNINGS AND EXTRA EXPENSE EARNINGS INCLUDING RENTS EARNINGS OTHER THAN RENTS EARNING, RENTS, AND OTHER EXPENSE EXTRA EXPENSE ONLY RENTS AND EXTRA EXPENSE RENTS ONLY REASONS TO PURCHASE PAYS CONTINUING EXPENSES ALLOWS INSURED TO RETAIN KEY EMPLOYEES BY PAYING SALARIES/BENEFITS ALLOWS INSURED TO RETAIN CUSTOMERS PERIOD OF RESTORATION BEGINS WITH COVERED PROPERTY LOSS ENDS WHEN PROPERTY RESTORED OR RELOCATED POLICY EXPIRATION WILL NOT LIMIT PERIOD PERIOD DOES NOT INCLUDE EXTRA TIME NEEDED DUE TO BLDG LAWS/POLLUTION CLEAN UP, ETC Page 15 of 22

64 Business Income Payment Options: MONTHLY LIMITATION IF MONTHLY LIMITATION, SUCH AS 1/4, 1/3, 1/6, ETC, IS SELECTED AND SHOWN ON THE POLICY DECLARATIONS, WE DO NOT COVER MORE THAN THE MONTHLY LIMIT DURING ANY 30 CONSECUTIVE DAYS. MONTHLY LIMITATION IS THE PREFERRED PAYMENT METHOD BY MOST CARRIERS, AGENCIES AND INSUREDS. MONTHLY LIMITATION EXAMPLE: LIMIT = $100,000 MONTHLY LIMITATION = 1/4 WE PAY NO MORE THAN $25,000 ($100,000 / 1/4) DURING ANY CONSECUTIVE DAYS IF THE ACTUAL AMOUNT OF LOSS IS DAYS 1 30 $30,000 DAYS $25,000 DAYS $10,000 TOTAL $65,000 WE PAY DAYS 1 30 $25,000 DAYS $25,000 DAYS $10,000 TOTAL $60,000 WE DO NOT PAY THE REMAINING $5,000 SINCE THE AMOUNT OF LOSS DURING THE FIRST 30 DAYS WAS MORE THAN THE MONTHLY LIMIT ALLOWED FOR. Page 16 of 22

65 Business Income Payment Options: (continued) COINSURANCE IF COINSURANCE IS SELECTED, WE ONLY PAY A PART OF THE LOSS IF THE LIMIT IS LESS THAN THE COINSURANCE PERCENTAGE MULTIPLIED BY THE SUM OF YOUR NET INCOME, PAYROLL EXPENSE, INTEREST, AND OTHER CONTINUING OPERATING EXPENSES PROJECTED FOR THE 12 MONTHS FOLLOWING THE INCEPTION OR LAST PREVIOUS ANNIVERSARY DATE OF THE POLICY (WHICHEVER IS LATER) NORMALLY EARNED BY YOUR BUSINESS. OUR PART OF THE LOSS IS DETERMINED USING THE FOLLOWING STEPS: A. MULTIPLY THE COINSURANCE PERCENTAGE BY THE SUM OF YOUR NET INCOME, PAYROLL EXPENSE, INTEREST, AND OTHER CONTINUING OPERATING EXPENSES PROJECTED FOR THE 12 MONTHS FOLLOWING THE INCEPTION OR PREVIOUS ANNIVERSARY B. DIVIDE THE LIMIT BY THE FIGURE DETERMINED IN A. ABOVE C. MULTIPLY THE TOTAL AMOUNT OF LOSS BY THE FIGURE DETERMINED IN 2.B. ABOVE. WE PAY THE AMOUNT DETERMINED IN C. ABOVE OR THE LIMIT, WHICHEVER IS LESS. COINSURANCE EXAMPLE: NET INCOME $100,000 COINSURANCE 80% LIMIT $50,000 LOSS $20,000 STEP A: $100,000 X 80% = $80,000 (MINIMUM LIMIT REQUIRED TO MEET COINSURANCE REQUIREMENT) STEP B: $50,000 LIMIT DIVIDED BY $80,000 AMOUNT REQUIRED =.63 STEP C: $20,000 (LOSS) X.63(COINSURANCE FACTOR) = $12,600 IN THIS EXAMPLE, THE INSURED WAS UNDERINSURED AND THE TOTAL CLAIM WOULD NOT BE PAID. Page 17 of 22

66 Mine Subsidence If Mine Subsidence is required for the risk location you will select YES. If it is not required, you will select NO. The Mine Subsidence limit will match the Building Limit up to: Illinois $750,000 / Indiana $200,000. If Building Limit is greater than the maximum state limit, the respective limit will automatically apply. Mine Subsidence: Policies issued in the following Illinois counties must provide mine subsidence coverage: Bond Bureau Christian Clinton Douglas Franklin Fulton Gallatin Grundy Jackson Jefferson Knox La Salle Logan McDonough Macoupin Madison Marion Marshall Menard Mercer Montgomery Peoria Perry Putnam Randolph Rock Island St. Clair Saline Sangamon Tazewell Vermilion Washington Williamson Policies issued in the following Indiana counties must provide mine subsidence coverage: Clay Knox Parke Vanderburgh Crawford Lawrence Perry Vermillion Daviess Martin Pike Vigo Dubois Monroe Posey Warren Fountain Montgomery Putnam Warrick Gibson Orange Spencer Greene Owen Sullivan Legal Entity: 1. Select the correct legal entity type Page 18 of 22

67 Endorsement Additions: To add Commercial Property Additional Coverages click the green next to Add Line Items to Subline. 1. Example coverages: water back up, spoilage, ordinance & law, etc. NOTE: EQ Coverage is not available (please call Underwriter for specific needs). To apply the following items, click on the green next to Add Line Items to Policy: 1. Package Credit (Only available with Special Form and if you are quoting more than one line of business within the SPRISKA BriteCore system) 2. Equipment Breakdown (Only available if Building Coverage applies and Special Form) 3. Property Enhancement (Only available with Special Form) 4. Loss Control Inspection Fee (This will be required on most policies.) Recommended Best Practice = add the Loss Control Inspection Fee to all Property policies. If no inspection is necessary, we will remove the fee. If Building Coverage applies AND Special Form is selected you must add Equipment Breakdown coverage by clicking on the green next to Add Line Items to Policy. NOTE: If you would like to submit the application for consideration, you will need to complete the Application Questions Page 19 of 22

68 Application Questions: 1. Click the arrow next to Application Questions in order to open the application. 2. If the question is required for submission it will have an * after it. Recommended Best Practice = answer all questions, even if they are not marked as required. If not applicable, answer N/A. NOTE: If your business classifications include Restaurant/Tavern, Vacant Building or Habitational, then please add the appropriate supplement by clicking Add Line Item to Subline. (If you have already completed the supplement for another line of business in BriteCore, you do not need to complete it for a second time.) STEP ELEVEN When you have entered all of your information and answered any Supplemental Questions you are then able to Rate and Save. This will give you a premium indication. Page 20 of 22

69 STEP TWELVE The Billing tab is where you can view the Billing Schedule. You do not need to enter a payment to submit the application. Underwriting must approve the submission before coverage can be bound. Please leave all Billing Schedules as Annual advise Underwriter of desired Billing Schedule when binding coverage. STEP THIRTEEN The Attachments tab is where you can attach loss runs, photos, etc. Page 21 of 22

70 STEP FOURTEEN The Submit tab is where you can submit the application for underwriting review. 1. Enter desired addresses for the Payment Receipt & Submission Confirmation (optional). 2. Click Submit Application for underwriter review. NOTE: Upon clicking Submit, you will no longer be able to edit the quote. STEP FIFTEEN Once the application is submitted the underwriter will approve, reject or request additional information, if necessary. If approved, the underwriter will send the Quote Summary to the contact indicated on the application. The Quote Summary will need to be signed and returned in order to bind coverage we will not automatically bind coverage without a request. Page 22 of 22