Agents Guide to Submit, Quote & Bind

Transcription

1 Agents Guide to Submit, Version 05/09/2018

2 Table of Contents Login on TheZenith.com... 6 Login Screen... 6 Using TheZenith.com... 9 Top Navigation Small Business Eligibility CA Classes Non-CA Classes Entering a Submission Side Navigation Insured Screen Locations Screen Coverages Alabama State Specific Information Arizona State Specific Information Arkansas State Specific Information California State Specific Information Colorado State Specific Information Connecticut State Specific Information Delaware State Specific Information District of Columbia State Specific Information Florida State Specific Information Georgia State Specific Information Hawaii State Specific Information Idaho State Specific Information Illinois State Specific Information Indiana State Specific Information Iowa State Specific Information Kansas State Specific Information Kentucky State Specific Information Louisiana State Specific Information Maine State Specific Information Maryland State Specific Information Massachusetts State Specific Information Michigan State Specific Information

3 Minnesota State Specific Information Mississippi State Specific Information Missouri State Specific Information Montana State Specific Information Nebraska State Specific Information Nevada State Specific Information New Hampshire State Specific Information New Mexico State Specific Information New York State Specific Information North Carolina State Specific Information Oklahoma State Specific Information Oregon State Specific Information Pennsylvania State Specific Information Rhode Island State Specific Information South Carolina State Specific Information South Dakota State Specific Information Tennessee State Specific Information Texas State Specific Information Utah State Specific Information Vermont State Specific Information Virginia State Specific Information West Virginia State Specific Information Additional Information State Rating Factors WCIRB (CA) NCCI (AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, ID, IA, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WV) PCRB/DCRB (PA, DE) NYCIRB (NY) NCRB (NC) WCRIBMA (MA) MWCIA (MN) CAOM (MI) WCRB (WI) Class Code/Payroll Screen Class Code/Payroll Screen Entering Specific Waiver Class Code/Payroll Screen Entering USL&H Payroll

4 Class Code/Payroll Screen Applications with a Normal Anniversary Rating Date Class Code/Payroll Screen Applications with a Short-Term Policy Initial Group Eligibility Screen Application Eligibility Screen Operation Description Screen Questions Screen Loss History Screen Large Loss History Screen Quote Options Screen Commission Options (CA Only) Payment Options Quote Screen Binding a Quote/Not Taking a Quote Agency Contact Information Screen Insured Contact Information Screen Ownership and Officers Screen Binding Decision Screen Binding Confirmation Screen Sales Outcome Screen Referrals and Files System Referrals Application Eligibility Screen Referral Files Functionality Declinations Resubmitting a Previous Year s Submission Reserving an Account General Guidelines Clearance Pending Process Communicating with Your Underwriter Comments Functionality Comments and Files Screen System Generated Messages Work List Work List Navigation Work List Filters Additional Work List Filter Capabilities

5 Work Item Statuses More Options My Filters Search Box Export Feature Work Item Actions Reassign Screen Viewing Work Items Renewal Quotes Renewal Quotes Frequently Asked Questions

6 Login on TheZenith.com TheZenith.com is a proprietary, secure, online service, which allows you to quote, bind, and submit applications via the Internet. A Username and Password are required for each user to access this service. Login Screen Type into your web browser. To login, select the Log In box in the upper right hand corner or the Policyholder & Agent Log In icon in the center of the screen. 6

7 Either one will open up the Online Accoun Log In section on the right. From here, select the Log In button for Policyholders, Workers Compensation Agents and Zenith Solution Center. Note: If you do not have a Username and Password, click Workers Compensation Agents under the Need To Sign Up?. You may also contact your Zenith Marketing Representative, your Underwriter, your Agency Administrator, or ecommerce@thezenith.com. When contacting Zenith, it s helpful if you include your Agency Code with your request. 7

8 From there you will be taken to a log in screen where you may enter your user name and password. 8

9 Using TheZenith.com After logging in, you will be taken to the application selection page. This page contains links to all TheZenith.com applications for which you are provisioned. Select Submit,. This will take you to the landing page to Submit, Quote, and Bind applications. The landing page is your work list that shows your submissions with Zenith. 9

10 Top Navigation The top navigation will be displayed at the top of the screen on every screen within this application. You may use these at any time to navigate to the desired option. The options are as follows: The Zenith logo: Enter a Submission: Work List: Small Business Eligibility: Help User Name Click this returns the user to the main landing page Takes the user to the first page to enter a new application. This option will take the user to a list of his or her work items. Opens a new box in which the user may quickly check whether a class code(s) is/are eligible for an automated quote with The Zenith Small Business. This will open a help menu where a user may obtain more information From here, the user may select to sign out. Selecting the Help menu will show additional options: User Guide: This is a link to the user guide (this document!). 10

11 Small Business Eligibility Checking the class code eligibility provides a quick way to determine if a class code may be eligible for an automatic quote with Zenith. Some classes may need to be referred for Underwriting review and approval. To use this option, select the Small Business Eligibility link in the top navigation section. Once the Small Business Eligibility is selected, a new box will open displaying the check eligibility options. The items required to check eligibility are the class codes, state, and effective date. Enter the class code into the first box. If you desire to check the eligibility of multiple class codes at once, simply enter all desired class codes separated by commas. Do not enter the sub-class for the class codes. If a class code contains multiple sub-classes, the eligibility for each sub-class will be displayed by entering the class code. Once you have entered the class codes, state and effective date (date will default to the date of entry), select the Check button at the bottom and the eligibility will appear. 11

12 CA Classes For California classes, the eligibility will display for the individual class codes. Additionally, select class codes will display a more granular level of eligibility based upon a description of the class code s operations. Please note the text at the bottom of the screen: Eligibility for automated quoting is displayed based upon class code and description of operations within the class. Eligibilities are subject to change without notice. Risks properly classified within an eligible class code and description of operations may not qualify. Eligibility may vary based upon additional risk characteristics. Standard market size accounts are subject to review by underwriter. Please contact your local underwriter with any questions. It is important to remember that this is an initial eligibility check. The final determination of whether or not an application will receive a quote is based upon a number of other factors particular to each individual application. Some classes may need to be reviewed and referred to the underwriter for approval. 12

13 Non-CA Classes For states other than California the eligibility, once displayed, will contain a list of the class codes entered with every sub-class, a corresponding description, and the class code s eligibility. Please note the text at the bottom of the screen: Eligibility is assessed by class code, not by specific operations. A range of operations may properly be assigned to a single class code and an eligible class code may quote, refer or decline based on the description of operations. Contact your branch underwriter with questions. It is important to remember that this is an initial eligibility check. The final determination of whether or not an application will receive a quote is based upon a number of other factors particular to each individual application. Some classes may need to be reviewed and referred to the underwriter for approval. Note: Not all states offer automated quoting. For states without automated quoting, you will receive a message indicating such. For these states, you may still submit your application, regardless of size, via the system to an underwriter for review. To close out of the Class Code Eligibility Check box, you may either select the Close button at the bottom of the box or the X in the upper right-hand corner. 13

14 Entering a Submission Before entering a submission, please review the following to ensure you have all the information necessary to complete the online application: Basic Insured Information: Insured name, DBA (if applicable), primary physical address and location information, Federal Employer Identification Number (FEIN), years in business with workers compensation coverage, and effective date. Experience Mod and Loss Information: WCIRB (Bureau) or NCCI Number, most recent and previous experience mods/merit Ratings, normal anniversary date, currently valued loss runs (valued within 120 days of the quote date) in a format which will be able to be uploaded to the system, total number of claims, total number of indemnity claims, total policy payroll, total paid loss amounts, total incurred loss amounts, and specific loss information for any loss with a total incurred amount exceeding $50,000. An Understanding of the Insured s Business Operations: Class codes, payroll in each class code, number of full-time and part-time employees in each class code, and a general understanding of the insured s business. Please note, ACORD and other questions may be asked regarding the risk. Billing and Coverage Information: Agent commission, payment plan options, employer s liability limits, and other optional coverage. Once you have all this information, you may select Enter a Submission from the top navigation section. Note: When entering a submission * denotes a required field. 14

15 Side Navigation The application also includes links on the left-hand side of the window to aid in navigation. The links may be different depending upon what page you are on in the application. Application Links: the following links will appear while you are entering in an application. The links on the left will be described in detail in the Entering a Submission section of the guide. In regard to general navigation, the items in blue are pages that have already been completed. You may click any of the blue items to return to that page. The item in bold, black font is the page on which you are currently working. It does not function as a link since you are currently on the page. The items that are shaded light greay are pages which have yet to be completed. The only way you may move to these pages is to complete the page you are currently on and select the appropriate option at the bottom. 15

16 Insured Screen The insured screen contains four sections: Agency Information, Insured Information, Primary Physical Address, and Policy Information. 16

17 In the Agency Information section, select the agent/broker for the application. That individual s name will appear on the quote and all other output produced from the system. (Please note if the user is not listed in the drop-down there is an Other option and if chosen the user can enter a first and last name.) The individual entering the submission will be considered the Contact and will receive all system produced s. In the Insured Information section, the following information should be entered: Named Insured DBA (Doing Business As) Entity Type Primary Phone Number FEIN In the Primary Physical Address section, the following information should be entered: Street: Please enter the number and street name Suite: Please enter the suite number only, if applicable City State Zip Code: 5 digits only The last section is the Policy Information section, in which the following should be entered: Effective Date: Enter the desired effective date in the format mm/dd/yyyy. You may not enter an effective date prior to the date you are entering the application. Expiration Date: This will be defaulted to a year from the effective date entered. You may change this if applicable. Description of Operations: Enter a brief description of the operations of your customer. Any operations in other states?: Select Yes or No to indicate if the insured operates in states other than the state entered on the primary physical address. After completing all the information on this page, you may move to the next page by clicking the Continue button at the bottom of the page. The More Actions box contains the following options: Save, Save and Exit, and Reassign. The save option will save what you have entered into the application so far. Save and Exit will save what you have entered so far and return you to your work queue. Reassign will take you to a screen where you may reassign the contact for the application. Note: There may be a small number of times that the process of reserving an account cannot be completed through the system alone and needs a Zenith employee to intervene. When this happens, the application will go into a Clearance Pending status. This may occur at a number of times while entering in an application, but will most often occur after the Insured screen. (More details can be found on page 63) 17

18 Locations Screen The locations screen contains information such as address, location type, DBA, and number of employees for each location where your customer operates his or her business. You should enter this information for every physical location of your customer. The following are the entry fields on this page: Location Type: See notes below on location types DBA Street Address Suite City State Zip Code # of Employees for this Location Note: If your customer operates in multiple states, the system currently only allows for entry of the states for which you are provisioned. Please enter the appropriate information for only those operations on the locations, state rating factors, and class code/payroll screens. After this point, the system will refer the application to an underwriter who will review your customer s operations in all states to determine if the application will be quoted. Location Type Options: Other Physical: Use this option for any other physical locations other than the primary physical location. Insured Special Mailing: Use this option if your customer desires to have their mail sent somewhere other than their primary physical location. The locations screen functions as a roster. This means that you will enter in the information for each location separately. Once the complete set of information is entered for an individual location, you may click the Add button at the bottom of the screen to add this location to the roster at the top of the page. You will see this type of roster functionality repeated throughout the application. 18

19 Once you click the add button, the location will be added to the online application, and it will appear in a roster format at the top of the screen. To add additional locations, you may click the button Add New. This will open the location information and allow you to add an additional location. 19

20 Now you may enter in the additional information and click the Add button at the bottom. Once you add the additional location, this will appear in the roster as well. On the other physical location, you will have the option to edit or delete. If necessary, you may select either option to take the appropriate action. You will notice that the delete option is not available for the first location. This is the address from the primary physical address, so you may not delete it. However, you may edit the DBA and the number of employees for the location by selecting edit next to the entry. If you need to change any of the actual address information for the first entry, you must return to the Insured screen to do so. Once all your locations have been added, click the Continue button on the bottom of the screen to continue. 20

21 Coverages The coverages screen contains information regarding the state specific coverages. In the Coverages section, the following information should be entered: Employer s Liability Limit Blanket Waiver of Subrogation Required NH, NJ, and KY Only this field does not appear, as Blanket Waiver of Subrogation is not available for these states. The next sections will be state specific depending on the application for which you are entering. Alabama State Specific Information On an Alabama submission, the Alabama State Specific Information and AL Deductibles sections will have the following information which should be entered: Drug-Free Workplace Credit Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (AL only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 21

22 Arizona State Specific Information On an Arizona submission, the Arizona State Specific Information section will have the following information which should be entered: Alcohol and Drug-Free Workplace Credit Arkansas State Specific Information On an Arkansas submission, the Arkansas State Specific Information and AR Deductibles sections will have the following information which should be entered: Alcohol and Drug-Free Workplace Credit Deductible: If the customer desires a small deducible, select the deductible type from the dropdown. Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. California State Specific Information On a California submission, the California State Specific Information section will have the following information which should be entered: Voluntary WC Required?: Please select Yes or No to indicate if Voluntary Workers Compensation coverage is required. This field will default to No. 22

23 Colorado State Specific Information On an Colorado submission, the Colorado State Specific Information and CO Deductibles sections will have the following information which should be entered: Designated Medical Provider Credit: Select this if the customer has met the requirements for the program. Certified Risk Management Program Credit Experience Rated: Select this if the customer is eligible for for the credit and is experience rated. Certified Risk Management Program Credit Non-Experience Rated: Select this if the customer is eligible for for the credit and is not experience rated. Certified Risk Management Program Credit Factor: If the customer is eligible for the Certified Risk Management Program Credit Non-Experience Rated, the appropriate factor should be selected. Employing Previously Injured Employees Credit: Select this if the customer is eligible for for the credit. Employing Previously Injured Employees Credit Factor: Enter the factor amount the customer qualifies for. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (CO only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 23

24 Connecticut State Specific Information On an Connecticut submission, the CT Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (CT only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Delaware State Specific Information On a Delaware submission, the Delaware State Specific Information section will have the following information which should be entered: Workplace Safety Program Credit: Select this if the customer has met the requirements for the program. Workplace Safety Program Credit Factor: If the above is selected, please enter the credit amount for which your customer qualifies. District of Columbia State Specific Information On a District of Columbia submission, the District of Columbia State Specific Information section will have the following information which should be entered: Workplace Safety Program Credit 24

25 Florida State Specific Information On a Florida submission, the Florida State Specific Information section will have the following information which should be entered: Drug-Free Workplace Credit Workplace Safety Program Credit Georgia State Specific Information On a Georgia submission, the Georgia State Specific Information and GA Deductibles sections will have the following information which should be entered: Drug-Free Workplace Credit Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (GA only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 25

26 Hawaii State Specific Information On a Hawaii submission, the Hawaii State Specific Information and HI Deductibles sections will have the following information which should be entered: Workplace Safety Program Credit Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (HI only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Idaho State Specific Information On an Idaho submission, the Idaho State Specific Information section will have the following information which should be entered: Alcohol and Drug-Free Workplace Credit 26

27 Illinois State Specific Information On an Illinois submission, the IL Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (IL only has a small deductible that applies to medical only claims, per accident, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Indiana State Specific Information On an Indiana submission, the IN Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (IN only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 27

28 Iowa State Specific Information On an Iowa submission, the IA Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (IA only has a small deductible that applies to medical-only claims, per claim, with the net claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Kansas State Specific Information On a Kansas submission, the KS Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown. Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 28

29 Kentucky State Specific Information On a Kentucky submission, the Kentucky State Specific Information and KY Deductibles sections will have the following information which should be entered: Drug-Free Workplace Credit Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (KY only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Louisiana State Specific Information On a Louisiana submission, the Louisiana State Specific Information section will have the following information which should be entered: Workplace Safety Program Credit: Select this if the customer has met the requirements for the program. Workplace Safety Program Credit Factor: If the above is selected, please select the credit amount for which your customer qualifies. 29

30 Maine State Specific Information On an Maine submission, the Maine State Specific Information and ME Deductibles sections will have the following information which should be entered: Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (ME has small deductibles that applies to indemnity claims, per claim, or to medical claims, per accident.) Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Maryland State Specific Information On a Maryland submission, the MD Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (MD only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 30

31 Massachusetts State Specific Information On a Massachusetts submission, the Massachusetts State Specific Information and MA Deductibles sections will have the following information which should be entered: Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown. Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Michigan State Specific Information On an Michigan submission, the Michigan State Specific Information section will have the following information which should be entered: Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. 31

32 Minnesota State Specific Information On a Minnesota submission, the MN Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown. Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Mississippi State Specific Information On a Mississippi submission, the Mississippi State Specific Information section will have the following information which should be entered: Drug-Free Workplace Credit Missouri State Specific Information On a Missouri submission, the MO Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (MO only has a small deductible that applies to medical and indemnity claims, per accident, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 32

33 Montana State Specific Information On an Montana submission, the MT Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (MT only small deductibles that apply to medical only or medical and indemnity coverages, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Nebraska State Specific Information On a Nebraska submission, the NE Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (NE only has a small deductible that applies to medical only, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 33

34 Nevada State Specific Information On a Nevada submission, the NV Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (NV only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. New Hampshire State Specific Information On a New Mexico submission, the NH Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (NH has small deductibles that applies to medical and indemnity claims, with the gross claim amount reported. You may select either a Per Claim or Per Accident deductible.). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 34

35 New Mexico State Specific Information On a New Mexico submission, the NM Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (NM only has a small deductible that applies to medical and indemnity claims, per accident, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 35

36 New York State Specific Information On a New York submission, the New York State Specific Information section will have the following information which should be entered: Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Compulsory Workplace Safety Program Surcharge: Select this if the customer requires this program. Compulsory Workplace Safety Program Surcharge Factor: Select the appropriate factor. Alcohol and Drug-Free Workplace Credit Return-To-Work Program Premium Credit: Select this if your customer has met the requirements for the program. Return-To-Work Program Premium Credit: If the customer is eligible for this program, this field will appear and the appropriate factor should be selected. Safety Incentive Program Premium Credit: Select this if your customer has met the requirements for the program. Safety Incentive Program Premium Credit: If the customer is eligible for this program, this field will appear and the appropriate factor should be selected. 36

37 North Carolina State Specific Information On a North Carolina submission, the NC Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (NC only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Oklahoma State Specific Information On an Oklahoma submission, the Oklahoma State Specific Information and OK Deductibles sections will have the following information which should be entered: Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Workers Compensation Premium Reduction Program: Select this if the customer has met the requirements for the program. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown. Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 37

38 Oregon State Specific Information On an Oregon submission, the Oregon State Specific Information section will have the following information which should be entered: Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Pennsylvania State Specific Information On a Pennsylvania submission the Pennsylvania State Specific Information section will have the following information should be entered: Workplace Safety Program Credit: If your customer is eligible for this credit, you may select Yes. Rhode Island State Specific Information On a Rhode Island submission, the RI Deductibles sections will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (RI only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 38

39 South Carolina State Specific Information On a South Carolina submission, the South Carolina State Specific Information and SC Deductibles sections will have the following information which should be entered: Drug-Free Workplace Credit Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (SC only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. South Dakota State Specific Information On a South Dakota submission, the South Dakota State Specific Information and SD Deductibles sections will have the following information which should be entered: Merit Rated: Select this if the customer is eligible for merit rating. Merit Rating Factor: If the customer is eligible for merit rating, this field will appear and the appropriate factor should be selected. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (SD has a small deductible that applies to medical and indemnity or medical only claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 39

40 Tennessee State Specific Information On a Tennessee submission, the Tennessee State Specific Information and TN Deductibles sections will have the following information which should be entered: Drug-Free Workplace Credit Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (TN only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Texas State Specific Information On a Texas submission, the Texas State Specific Information and TX Deductibles sections will have the following information should be entered: Texas Medical Network Credit: If submission is eligible for this credit the field will default to Yes. Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (The type will tell you what claims it applies to as well as whether per claim or per accident. All claims are reported in gross in TX regardless of deductible). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 40

41 Utah State Specific Information On a Utah submission, the UT Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (UT only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. Vermont State Specific Information On a Vermont submission, the VT Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (VT only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 41

42 Virginia State Specific Information On a Virginia submission, the Virginia State Specific Information and VA Deductibles sections will have the following information which should be entered: Drug-Free Workplace Credit Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (VA only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. West Virginia State Specific Information On a West Virginia submission, the WV Deductibles section will have the following information which should be entered: Deductible: If the customer desires a small deducible, select the deductible type from the dropdown (WV only has a small deductible that applies to medical and indemnity claims, per claim, with the gross claim amount reported). Deductible Amount: If a deductible is selected, this field will appear and the desired deductible amount should be selected. 42

43 Additional Information The last section is the Additional Information section, in which the following should be entered: Years in Business with WC: Please enter the number of years your customer has been in business with Workers Compensation coverage. Does your customer have any losses in the current or 2 prior policy years?: o In FL, if 0 years in business with WC and no losses the following question will appear: If no prior workers compensation coverage, how many years of management experience does the principal of your insured have in the same industry? o In PA, if 0 years in business with WC, the following question will appear: Were more than 50% of the employees retained from the prior ownership? (A PA ERM-14 will be required.) 43

44 State Rating Factors The state rating factors screen contains information regarding experience rating. The State Rating Factors section will have different fields depending upon your customer s rating experience and bureau. The following details the fields per bureau, though for the most part the various bureaus are alike: WCIRB (CA) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. Rating Bureau Number: Please enter the customer s rating bureau number. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XX. So, if the bureau sheet says the experience modification is 90%, enter If the bureau sheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has WCIRB promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 44

45 NCCI (AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, ID, IA, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WV) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. NCCI Risk ID Number: Please enter the customer s NCCI Risk ID number. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Rating Status: Please select Preliminary, Contingent or Final. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has NCCI promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 45

46 PCRB/DCRB (PA, DE) Now, following the most recent rating sheet, enter the following: Experience/Merit Rated: Please indicate Yes or No regarding whether the customer is experience/merit rated or not. PCRB File Number/DCRB File Number: Please enter the customer s PCRB file number. This may be optionally entered, even if not eligible for experience rating. Rating Type: Please select Xmod if your customer has an experience mod or Merit if your customer qualifies for merit rating. Most Recent XMOD: Please enter using the format X.XXX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102.5%, enter (Only asked if Xmod Rating Type selected) Merit Rating Factor: Please select the merit rating factor that applies for your customer. (Only asked if Merit Rating Type is selected) Effective Date of the most recent XMOD / Effective Date of the most recent Merit Rating: Please enter the effective date of the experience modification or merit rating. This will be prepopulated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod/merit rating date does not match the effective date. Has PCRB/DCRB promulgated a previous MOD or Merit rating? This question is asked if the most recent XMOD/merit rating date is in the future compared to the effective date of the quote. Previous Rating Type: Please select Xmod if your customer has an experience mod or Merit if your customer qualifies for merit rating. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. (Only asked if Xmod Rating Type selected) Previous Merit Rating Factor: Please select the merit rating factor that applies for your customer for the prior period. (Only asked if Merit Rating Type is selected) Previous Year XMOD Effective Date / Previous Year Merit Rating Effective Date: This is the rating date corresponding to the Previous XMOD or merit rating entered. NJCRIB (NJ) 46

47 Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. NJCRIB File Number: Please enter the customer s NJCRIB file number. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XXX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102.5%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has NJCRIB promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 47

48 NYCIRB (NY) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. NYCIRB Combo ID: Please enter the customer s NYCIRB Combo ID. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XXX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has NYCIRB promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 48

49 NCRB (NC) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. NCRB Combo ID: Please enter the customer s NCRB Combo ID. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XXX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has NCRB promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 49

50 WCRIBMA (MA) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. WCRIBMA Combo ID: Please enter the customer s WCRIBMA Combo ID. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Rating Status: Please select Preliminary, Contingent, Both Contingent and Preliminary, or Final. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has WCRIBMA promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 50

51 MWCIA (MN) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. MWCIA Combo ID: Please enter the customer s MWCIA Combo ID. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XXX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has MWCIA promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 51

52 CAOM (MI) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. CAOM Risk Number: Please enter the customer s CAOM Risk Number. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XXX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has CAOM promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 52

53 WCRB (WI) Now, following the most recent rating sheet, enter the following: Experience Rated: Please indicate Yes or No regarding whether the customer is experience rated or not. WCRB Risk ID Number: Please enter the customer s WCRB Risk ID Number. This may be optionally entered, even if no longer eligible for experience rating. Most Recent XMOD: Please enter using the format X.XXX. So, if the mod worksheet says the experience modification is 90%, enter If the mod worksheet says the experience modification is 102%, enter Effective Date of the most recent XMOD: Please enter the effective date of the experience modification. This will be pre-populated with the effective date of the policy, but you may change the date, if applicable. Does this customer have a rating effective date that differs from the proposed effective date? This question simply asks for confirmation when the experience mod date does not match the effective date. Has WCRB promulgated a previous MOD? This question is asked if the most recent XMOD date is in the future compared to the effective date of the quote. Previous XMOD: If the answer to the above question is yes, please enter the prior XMOD information. Previous Year XMOD Effective Date: This is the rating date corresponding to the Previous XMOD entered. 53

54 Class Code/Payroll Screen The class code/payroll screen contains information regarding the classifications and associated payroll for your customer s operations. The page functions in a roster format, similar to the locations screen. The following data elements should be entered for each class: State Class Code Entry # Full Time Employees: Enter the number of Full Time employees for the particular class code for all locations. # Part Time Employees: Enter the number of Part Time employees for the particular class code for all locations. Total Payroll for this Class Code: Enter the payroll in whole dollars for the particular class code for all locations U. S. L. & H.: This will be used to indicate payroll for a particular class code that is subject to USL&H. Please see further explanation below. Waiver of Subrogation: This will be used to select specific Waiver of Subrogation coverage. Please see further explanation below. NH, NJ and KY Only this field will not display for NJ or KY applications, as specific waiver of subrogation coverage is not available for these states. 54

55 To select a class code, you may enter either the class code number or a word within the class code description into the Class Code Entry box. This will search the available list and display the results. Once you find the desired class code, simply highlight the class code to select it. Search by Class Code: Search by Description: Once you highlight the desired class code, the entire description will appear below the class code entry box. This will help you verify that you have selected the appropriate class code. 55

56 Once you have selected the class code, enter in the remainder of the information and click the Add button at the bottom: 56

57 Once you click Add, the class code will appear in the roster at the top of the page. If you need to alter any information regarding this class code, you may select the edit option next to the entry in the roster. You also have the ability to delete the entire entry if needed using the delete option next to the class code. At this point, you may continue to add class codes using the same entry method as before, if necessary. To do so, select Add New at the bottom of the page. Each will be placed in the roster at the top when added. Once completed, you may select the Continue button at the bottom of the screen to move forward. 57

58 Class Code/Payroll Screen Entering Specific Waiver In order to enter Specific Waiver of Subrogation coverage, you must enter the entire payroll for the class code requiring the Waiver first. Then, answer Yes to Waiver of Subrogation. Upon selecting Yes a new field will appear called Waiver Exposure Amount. In this field, enter the amount of the previously entered payroll to which the specific Waiver of Subrogation is to be applied. In the below example, the entire payroll for class code 9079 is $80,000, but only $20,000 of the $80,000 total is subject to the Specific Waiver of Subrogation coverage. Once added, the roster will show the entire payroll for the class and the amount to which the specific Waiver of Subrogation is to be applied. Note: Often times the amount of payroll subject to Specific of Wavier Coverage is not known at new business. It is acceptable to enter $0 for the waiver field and this will be deteremined at final audit. 58

59 Class Code/Payroll Screen Entering USL&H Payroll In order to add USL&H coverage, you must first find out how much payroll for the class is subject to USL&H coverage. If the entire class code s payroll is subject to the coverage, simply enter the class code as you normally would and indicate Yes to the USL&H indicator. However, if not all of the payroll within the class code is subject to USL&H coverage, you must split up the class code into that payroll which is subject to the coverage and that which is not. For example, you need to enter an application for your customer where they have class code with a total of $80,000 worth of payroll. Only $20,000 is subject to USL&H. This means that $60,000 is not subject to the coverage. First, enter the amount of payroll that is not subject to USL&H coverage, indicating No to the USL&H indicator. The employee counts should be for those employees where USL&H does not apply. 59

60 Next, enter the amount of payroll that is subject to USL&H coverage, indicating Yes to the USL&H indicator. The employee counts should be for those employees where USL&H does apply. You will now have two entries for the same class code, one where USL&H coverage is applicable and one where it is not. You may review this by viewing the USLH column. It will be populated with an N for No and a Y for Yes. 60

61 Class Code/Payroll Screen Applications with a Normal Anniversary Rating Date Entering class code and payroll data on an application with a normal anniversary rating date is completed exactly as is one without a normal anniversary date. However, there is some added functionality to assist with those customers which may have more seasonal operations. To begin, enter in all of the class code data as before and click the Add button. As before, the rating exposure amount for the payroll should be for the entire policy term. 61

62 After clicking the Add button, you will notice that there are two lines for the class code entered. One line corresponds to the time period of the policy prior to the normal anniversary date and the other corresponds to the time period of the policy after the normal anniversary date. This is indicated by the From and To dates on each line. 62

63 You will also notice that the total payroll for the policy period has now been split by period. The initial split performed by the system is done so proportionately based upon the amount of time in each split. In many cases you will want to leave this as is. However, if you have a customer whose operation is seasonal, you may adjust the payroll in the different time periods to receive a more accurate quote. To do so, click the Edit link next to the appropriate line. Please notice that the rating exposure amount field is the only editable field in the mode. You may now adjust the payroll for the time period. Once you are finished, click the Save button to save the change. The change is now saved. Please note the other period s payroll amount was also changed to correspond with the total payroll for the class code that was originally entered. If you need to delete a class code for any reason, clicking delete in this mode will delete both entries with the split. 63

64 Class Code/Payroll Screen Applications with a Short-Term Policy Entering class code and payroll data on an application with a short-term policy is completed similarly to the way an annual policy s information is entered. However, there is additional system functionality to assist you with your payroll entry. To begin, enter and select the class code. Complete the number of employees and payroll. If the payroll you entered is an annual amount, click on the link labeled Calculate Pro-Rated Payroll. When the pop-up box appears, enter the annual payroll and then click Calculate. The below pop-up box will appear with the Pro-Rated Payroll. When you click Save the pro-rated amount will appear in the payroll box for the class code. Once all of the class code information has been entered click Continue on the Class Code/Payroll screen to proceed. 64

65 Initial Group Eligibility Screen After the class codes and associated payroll are entered on the class code/payroll screen, the system will determine if the account meets initial eligibility requirements for any of the group pricing plans. If the application does meet initial eligibility requirements, the Initial Group Eligibility Screen will appear. Please note, if your customer s application does not meet initial eligibility requirements for any group pricing plan, this screen will not appear and you will automatically continue on to the next screen. The screen s content will vary based upon the application and the potentially qualifying groups. Initial Group Eligibility: This section will list all the groups for which the application has initially qualified. Please select the appropriate group. Once you select the appropriate group plan, click the Continue button at the bottom of the screen to move on to the next screen. 65

66 Application Eligibility Screen Accounts with a large size premium need to be reviewed by an underwriter to determine if they will be eligible for a quote. After the class code screen, the system has enough information to determine if your customer s application will have to be reviewed based upon premium size. If such is the case, you will see the below message. You may choose to Continue or Refer at this point. The Refer option will take you to a page to confirm the referral and attach a completed ACORD application and currently valued loss runs. (*The requirements for submissions may vary per state. Your underwriter may answer any questions on this.) Then, the application will be referred to your underwriter. The Continue option will ask you to answer some underwriting questions regarding your customer s business as well as enter in the loss information prior to being referred to your underwriter. You are encouraged to select Continue to help expedite the underwriting process. For more information on the referral process, please see to the Referrals section of this manual. 66

67 Operation Description Screen The operation description page does exactly what the name says; it asks you to provide a further description of your customer s operations. Depending upon the class codes selected on the application, a number of descriptions will appear. The descriptions on this page offer further specifics regarding the class code(s). Choose the description that best applies by selecting the button to the left of the description. After you have selected a description, select the Continue button at the bottom of the screen to move to the next page. Note: This screen may not appear for every application, as some class codes do not need more information regarding your customer s description of operations. 67

68 Questions Screen This screen contains questions that are applicable to your customer. The questions will vary depending upon the prior entries regarding your customer s application (ex: state, class codes, etc). Note: For applications that have been uploaded, some of the answers may be prefilled. The following are the types of questions that may be asked: Yes/No: The majority of the questions asked on this screen will be of this type. To complete, simply select the radio button next to Yes or No. Numeric Entry: A few questions will require you to enter in a number, whether it is a percentage or other type. Drop Down: A few questions may also be in a drop down format. In this case, choose the appropriate answer from the drop-down box. Here is an example of how the questions screen may appear: 68

69 Loss History Screen ***Please note that if you entered No to the question Does your customer have any losses in the current or 2 prior policy years? on the Coverages Screen the Loss History Screens will not appear. However, currently valued loss runs will be required prior to referring and/or submitting an application. The loss history page functions as a roster screen, similar to the class code and locations screens. You will enter data for one policy period at a time. Once complete, select the Add button at the bottom of the screen to add the policy period to the roster at the top. The following are the data elements on this page, which are to be entered per policy period starting with the current year and working back: Effective Date: This is the effective date of the policy period for which loss information is being entered (Format: mm/dd/yyyy) Expiration Date: This is the expiration date of the policy period for which loss information is being entered. (Format: mm/dd/yyyy) Carrier: This is a drop down list of other carriers. Select the carrier through which the coverage was written. If the carrier is not available, select Other. XMOD: Enter the experience modification for the policy term in the format X.XX. Total Policy Payroll: Enter the policy payroll in whole dollars for the policy term. Total Earned Premium: Enter the earned premium in whole dollars for the policy term. Valuation Date: Enter the valuation date for the loss information. (Format: mm/dd/yyyy) Total Number of Indemnity Claims: Enter the total number of indemnity claims. Total Number of Claims: Enter the total number of claims (The total should include the indemnity claims entered in the prior field as well.) Total Paid Losses: Enter the total amount of losses paid in whole dollars. Total Incurred Losses: enter the total amount of losses incurred in whole dollars. When you first enter the page you will notice that the effective date and expiration date are defaulted to the policy year prior to the proposed effective date of the application. These may be changed if necessary. Enter loss information for the indicated policy period and click Add: Once you click Add, it appears in the roster. Continue to enter the next 2 prior policy year periods. 69

70 You will notice you are not allowed to continue until you have entered the required amount of loss information. Zenith requires that the current and prior two years of loss history be entered into the system on the loss history page. The exception to this is if your customer has been in business with workers compensation coverage less than 3 years. If this is the case, you are only required to enter loss history for the time your customer has been in business with workers compensation coverage. 70

71 Once you have entered all the loss information required, the Continue button will appear at the bottom of the screen. Click Continue to move to the next screen. 71

72 Large Loss History Screen The purpose of the large loss history screen is to give more details on losses incurred by your customer that are large in amount incurred. No entry is required on this page as your customer may not have any large losses. However, you must enter any losses on this screen that have an incurred amount of $50,000 or more. The following are the data elements required of large losses: Accident Date: Enter the date of the accident. Description & Cause: Enter information regarding a description and cause of the accident. Total Paid: Enter the total amount paid for the loss in whole dollars. Total Incurred: Enter the total amount incurred for the loss in whole dollars. The large loss page is also a roster page. After you enter all the information for one large loss, click the Add button at the bottom to add the loss to the roster at the top of the screen. 72

73 Once you have entered all losses with incurred amounts of $50,000 or greater, click Continue at the bottom of the screen to move on. As with prior roster pages, if you find you need to edit or delete any entry, you may use the links to the right of that entry. 73

74 If your customer does not have any large losses, you may click Cancel at the bottom of the page. Then, a Continue button will appear which you may click to move on to the next screen. 74

75 Quote Options Screen The quote options screen contains information on agency commission (CA Only) and payment options for the application. Upon entering the screen, it will appear something similar to the below. Commission Options (CA Only) The commission options section of the screen contains the commission amount field, which indicates the percentage the agency earns on the policy. A default value will be pre-populated into this field dependent upon the policy information and agency agreement. You may alter this in accordance with your agency agreement. Payment Options In the payment options section of the screen, you will select the desired payment plan option for your customer. If only one option is available to the customer that payment option will default as it has above. This guide provides a summary of all payment plan options that may be encountered; however, payment plan offerings on each application will vary depending upon your agency and the individual application. First, select the Billing Type from the following options: Direct Bill: This is the most common billing type and will probably be what you select for this option. This option is appropriate if you want Zenith to bill your customer on installments and is also appropriate if your customer voluntarily reports payroll for premium calculation. Producer Bill (limited availability): This option is available if your agency agreement allows for producer bill. Payroll Company: Use this option if your customer has a qualified 3 rd party payroll services company supported to submit payroll reports on behalf of your customer to Zenith. If you select Direct Bill for the billing type, the following options will be available: 75

76 Installment Plan: If you select this option, your customer will be billed a deposit percentage of the Estimated Annual Premium and the remainder of the EAP will be billed over equal installments. o EFT: This option will automatically default to No. If Installment Plan is selected, you also have the option to select EFT, which means that Zenith will electronically transfer the installment amounts out of your customer s bank account. o Payment Plan: A list of options will display with deposit percentages and a corresponding number of installments. Please select one. o EFT ONLY Payment Plan Options: EFT ONLY pay plans will be labeled as such in the Payment Plan box. Please note, if you select an EFT ONLY payment plan option, the EFT field will be read-only with Yes, requiring EFT. If your customer selects an EFT ONLY payment plan, please ensure to complete the EFT Form included with the quote and attach to the submission when binding. 76

77 Payroll Reporting: If you select this option, your customer will be responsible for submitting payroll reports and the corresponding premium payment for the time period. This option is available based on risk characteristics. o Payment Plan: After selecting this option, you will need to select a payment plan which will have the deposit percentage and corresponding number of payroll reports which will need to be submitted by your customer. If you select Producer Bill for the billing type, the following options will be available: Installment Plan: Selecting this option is similar to the option under Direct Bill, except your agency will be billed a deposit percentage of the Estimated Annual Premium and the remainder of the EAP will be paid over equal installments. o Payment Plan: A list of options will display with deposit percentages and a corresponding number of installments. Please select one. If you select Payroll Company for the billing type, you will only need to select the following options: Payroll Company: A list of payroll companies available for your agency will display. Please select the appropriate payroll company. Once you have selected all the necessary information, click Continue at the bottom of the page to continue on to the next screen. 77

78 Quote Screen Congratulations! You have now received an automated quote from Zenith. The quote screen displays a copy of the quote PDF in screen for you to view, save, print or . This document contains details regarding the estimated premiums, payment plan, and other information such as qualified group, dividend plans, and other notices or disclaimers. Once you have received a quote, you are ready to either bind, not take or refer the quote after discussing with your customer (some states do not have the option to Refer to UW for an automatic quote). You will do so by selecting the Bind, Not Taken or Refer to UW button at the bottom of the screen. Please choose the button corresponding to your customer s decision. Refer to the Binding a Quote/Not Taking a Quote section for further instructions. If no decision has been made at this time, exit the screen by clicking The Zenith icon or Work List in the top navigation bar on this screen. 78

79 Binding a Quote/Not Taking a Quote Agency Contact Information Screen Once you select the Bind button on the bottom of the quote screen or directly from the Work List, you will be taken to the Agency Contact Information Screen. As implied by the title, we ask for contact information for those individuals at your agency in regard to this specific proposal. Agency Contact: These fields will default to the user entering the application. Unless, a specific producer was chosen on the Insured screenin which case it would default to the producer selected on the Insured Screen. However, it may be changed if necessary. Account Manager: These fields will default with the agency contact information (the individual entering the submission). It may be changed if necessary. Note: You will be required to enter a minimum of one contact type on this screen. 79

80 Insured Contact Information Screen This screen is similar to the prior screen. However, here you will need to enter contact information for your customer. Also, unlike contacts for your agency, you are required to select the primary work location for each of your customer s contacts. The following are the types of insured contacts: Website Address: If your customer has a website, please enter it here. Safety & Health: Please enter an individual who may be contacted in regard to inspections, safety & health information requests, etc. This contact is required. Premium Accounting: This individual should be able to answer questions regarding billing, premium payment and payroll submissions, premium audits, etc. This contact is required. Claims Information: Please enter an individual who may be contacted regarding claims. Rating Bureau Number (CA Only): If you indicated your customer was experience rated, you must now provide the rating bureau number prior to binding the policy. Texas Medical Network Credit (TX Only): The TX Medical Network Credit dropdown will appear under the Claims Information section on all TX submissions. NJ Tax ID Number (NJ Only): For New Jersey applications, the Tax ID number is required when binding. Selected Dividend Plan (FL, PA, NJ, OK, TX Only): If multiple dividend plans were offered with the quote, please select the desired dividend plan here. If only one was offered, this will be automatically populated with the offered dividend plan. Note: If your customer does not have a business address please type in None. 80

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82 Ownership and Officers Screen The Ownership and Officers screen asks for information regarding the officers of your customer. This page functions as a roster page, similar to the other prior pages such as Locations and Class codes/payroll. You will enter your customer s officers one at a time. The following information will be found in each entry: Name: Please enter the first and last name of the officer. Title/Relationship: Select the appropriate title/relationship from a dropdown list. Ownership %: Enter the ownership percentage in this field. Zero (0) is a valid entry. Inc/Exc: Please indicate whether the officer is included or excluded from coverage. Class Code: Class Codes entered on the Class Code/Payroll screen will appear in this section. Select the class code for the Officer/Owner by highlighting the applicable code. Est. Annual Salary: Enter the officer s annual salary in whole dollars. 82

83 Once you have entered all the necessary information for an officer, click the Add button at the bottom of the screen. The officer will now appear in the top roster. Once you have finished adding all the officers, you should select Continue at the bottom of the screen to move to the next screen. 83

84 Binding Decision Screen Congratulations! You have now completed all of the necessary information to submit your application for binding. There is only one more step needed before you will receive a binding confirmation and a binder number. If you have not already done so, you may now need attach your ACORD and currently valued loss runs. (*The requirements for submissions may vary per state. Your underwriter may answer any questions on this.) The binding decision screen offers a summarized view of the information you have entered into the system. Once you click the Bind and Issue button at the bottom of the screen, the binding confirmation screen will appear, so it is highly recommended that you review the information to check for accuracy. You may show or hide details for each section or the entire screen by using the indicated links. The default screen will hide all details. Click Bind and Issue to bind your customer s application with Zenith! 84

85 Binding Confirmation Screen Congratulations! You now have a binding confirmation which provides a summary of the application information. It shows basic information, locations, selected payment plan, manual premium calculation, and adjustments. The binding confirmation screen displays a copy of the binding confirmation PDF in screen for you to view, save, print or . Note: Once you have reached this screen, the application information may not be amended. If for any reason you notice any errors on the binding confirmation, please contact your underwriter so the appropriate action may be taken. Do NOT enter in the application again as this will result in a duplicate submission. When you select continue at the bottom of the screen, you will be taken to the Summary Review Screen. For more information on this screen, refer to the My Work List section of the manual. 85

86 Sales Outcome Screen If your customer decides not to accept our quote once the application has been quoted with Zenith, we ask that you return to the quote screen within the application and indicate that the quote was not taken by the customer. To do so, select the Not Taken button at the bottom of the quote screen or directly from your Work In Progress screen. Once you select Not Taken, the system will take you to the Sales Outcome Screen. The sales outcome screen asks for basic information regarding why the customer chose not to take the quote offered by Zenith. The following are the items asked: Sales Status: Select from the drop down either Placed by me with another carrier, Placed by another agency with another carrier, Received BOR from another agent, and Coverage Not Requested. Reason Other Carrier Selected: Please select the most applicable option from Service, Price, Coverage Options, or Other. If other selected, why?: If you selected Other for the Reason Other Carrier Selected field, please type the reason in this box. Carrier Selected: Please select the carrier with which the coverage was placed in this field. If not in list, please indicate carrier: As indicated, if the carrier does not appear in the drop down above, please type the carrier s name in the box. Was the selected carrier the incumbent?: Please indicate in the selected carrier was the incumbent carrier or not. Estimated Annual Premium with Other Carrier Please complete all of the information that you know. Once all the information you know has been completed, select the Continue button at the bottom of the screen. This will return you to your work queue. 86

87 Referrals and Files System Referrals. System referrals may occur at a number of points when entering in an application in TheZenith.com. This does not mean that your customer s application has been declined. It does, however, mean that an underwriter needs to review the application before it may continue any further. Once referred, you may be required to attach a completed ACORD application and currently valued loss runs. On a smaller premium submission you may have the option to submit the ACORD and loss runs at a later time. The requirements for submissions may vary per state. Your underwriter may answer any questions on this. At this point, the underwriter will review the account and take one of the following actions: Approve to Quote: Your application will be approved to quote at which time a quote will be provided in the system. At this point, you may review with your customer to decide whether the quote will be accepted and bound or not taken. Decline to Quote: Your application may be declined to quote by the underwriter. If this is the case, you will be able to obtain a formal declination letter by accessing the system again. Application Needs More Information: In some cases the underwriter may need more information regarding an application. If so, they may send you a message via the system messaging requesting more information. Please refer to the Communicating with Your Underwriter section of this guide for more details Application Eligibility Screen Referral When your application refers, the following screen will appear with the indicated message. You are required to select the radio button next to the Acknowledge text to indicate that you certify the information provided in the application is true and correct to the best of your knowledge. 87

88 Files Functionality Prior to completing the referral to your underwriter, you may need to attach a completed ACORD application and currently valued loss runs. Please note files required may vary per state, so please read the referral message to note what is needed for the referral. Your underwriter may answer any questions on this. You may actually attach files within any page of the application; however, it is most common to attach them on the referral page. To attach files, click the Files button located on the right hand side of the application screen. This will open the files menu where you can add a file. There are two ways to attach a file from here: 1. You may select the Add File button. This will open up a file browsing window where you will find the machine on your desktop or network drive. 2. You may use the Drag file here feature. Simply find the file on your computer and drag it over to the box. 88

89 Once you have completed either of the above options, select the Document Type from the drop down list. Please note if your ACORD application and currently valued loss runs are in one file you may choose the option ACORD App and Loss Runs Combined. You may also enter an optional description of the form if desired. After choosing the document type, select Attach to add the file to the work item. The file will be attached to the application, and your underwriter will be able to view it.as indicated, you will need to attach an ACORD application and currently valued Loss Runs. You may not be able to continue until such is done. Once you have done so, you may click Continue at the bottom of the page to return to the work list. Note: This application will not refer to an underwriter until you have attached the ACORD application and Loss Runs and clicked Continue. (*The requirements for submissions may vary per state. Your underwriter may answer any questions on this.) If you navigate away from this page without doing so, the application will stay in your queue, and your underwriter will not review it. Please ensure you have attached the documents and selected Continue to refer the application. 89

90 Declinations There will be times where your customer s application is neither eligible for a quote through our automated system nor through review by an underwriter. As with system referrals, a declination may occur at a number of places when entering in an application to Submit, Quote,& Bind from TheZenith.com. When this is the case, the following screen will appear: You will see that a declination letter is available in PDF format for you to print, save, or . Clicking Continue at the bottom of the screen will return you to your work queue. If for any reason you would like this application reviewed by a Zenith underwriter, you may use the Comments feature to send a message to your underwriter indicating you would like them to review and why. Please refer to the Communicating with Your Underwriter section of the manual. 90

91 Resubmitting a Previous Year s Submission The Resubmit feature allows you to easily resubmit an application you entered into Rate & Quote last year that was either declined or quoted and not taken by your customer. It copies key data that normally does not change every year and allows you to simply complete the pieces of data that may have changed. To view these applications you will click on one of the 2 links that may be found under the Work Lists filter option: My Previous Year s Submissions or My Agency s Previous Year s Submissions. The applications found behind these 2 links are Declined and Not Taken applications that have expired from the day you are viewing these links to 3 months in the future (ex: Searching on June 1 applications will appear from the previous year from June 1 September 1). When you click on an application behind one of these 2 links you will have the option to Resubmit. Please note that if you have already clicked Resubmit on an application it can be found under My Work or My Agency s Work queue. When you choose Resubmit you will be brought to the Insured Screen of the application (Please note when Resubmit is selected the application status will show as started.). You will notice that the information from the prior year has carried over to this new submission. These fields should be reviewed and updated as necessary. Input will be needed on all screens as you continue through the resubmit process. Please note that some information will carry over and need to be reviewed for accuracy. As noted above, the information that changes each year will require entry during the resubmit process. Items needing review and input will show in red. Once the Resubmit button has been chosen the application will be in Started status and can be found in your My Work or My Agency s Work work lists. 91

92 Reserving an Account General Guidelines Zenith reserves an account for the first agency that submits a complete application with currently valued loss runs. This process will be almost completely automated based upon the data that is entered into our system. You will know that an account has been reserved when: 1. You application has been referred to an underwriter and you have successfully attached the ACORD application and currently valued loss runs. (*The requirements for submissions may vary per state. Your underwriter may answer any questions on this.) 2. You have received a quote through the automated system. If the account has already been submitted by another agency, you will receive a declination message. Clearance Pending Process There may be a small number of times that the process of reserving an account cannot be completed through the system alone and needs a Zenith employee to intervene. When this happens, the application will go into a Clearance Pending status. This may occur at a number of times while entering in an application, but will most often occur after the Insured screen. When this occurs you will see the following message: You will be required to acknowledge the information within the application is true, and you will need to attach a completed ACORD application and currently valued loss runs. The application will be reviewed by a member of the Zenith Underwriting team to determine if this account has already been reserved. Once the application has been reviewed and clearance has been either approved or declined by Zenith, you will receive an indicating the outcome of the review. If clearance has been approved, you may return to the application in your work list, select Edit, and continue the application (see My Work List section for details on your work queue). Note: Even though a member of the Zenith underwriting staff has approved clearance on the application, the clearance process may be invoked again if you edit any important information on the application such as insured name, FEIN, primary physical address, phone number, effective date, etc. Please ensure these are entered correctly the first time to avoid any such situation. 92

93 Communicating with Your Underwriter Comments Functionality The Comments functionality is a tool that you may use to communicate with your underwriter regarding a specific application. Any comments you enter will be attached to the specific application and available for review to the underwriter. It will also be used by your underwriter to respond to your comments or send messages to you regarding the application. The comments functionality is available on all pages while you are entering or editing a submission. To access the functionality, simply click the Comments button to the right of the screen. This will open the comments box where you can type your comment. To complete a comment, simply type in the field and then select the Comment button at the bottom. Comments text box opens: 93

94 The comment will then be displayed as a part of the comments and available for your underwriter to review: Comments and Files Screen You may also access comments as well as the files functionality from the work list. When you select the Comments or Files action from the work list on a submission, it will take you to a screen where you can add comments or files. This is an alternative to adding them while entering a submission. All your comments as well as any comments the underwriter has made for you will appear in the Comment Log. You can also print comments by using the link at the bottom of the screen, To print comments Click Here. 94

95 System Generated Messages In order to keep you better informed of the status of your customer s application and when specific actions have taken place regarding the application, the system will generate s to inform you of the status. Below are some examples of s that you may receive: Clearance Approved: Clearance Denied: Zenith Underwriter Comments on Application: Application Quoted: Application Bound: If a Zenith user needs to intervene in the clearance process and approves the reservation of a customer s account for you, you will receive an indicating so. If a Zenith user needs to intervene in the clearance process and denies the reservation of a customer s account for you, you will receive an indicating so. If a Zenith underwriter enters comments on one of your customer s applications, you will receive an indicating which application contains new comments indicating you should access the system to review the comments. When one of your customer s applications receives a quote, you will be notified. When an application is bound with Zenith, you will be notified. Note: messaging is based upon the address given to Zenith at the time you signed up for a login to TheZenith.com. To verify or update your address you may click Modify Profile on the left-hand side of the screen when you first login to TheZenith.com. 95

96 Work List Work List Navigation The Work List on TheZenith.com stores applications that have been submitted to Zenith by your agency. The Work List may be quickly accessed at the top of the page at any time while entering or reviewing an application. Your work list will open with all of your agency s submissions to Zenith. Depending on your agency s setup, you may only be able tyo see work items that are your own. 96

97 Work List Filters The work list will contain the past 5 years worth of submissions to Zenith. You will likely find it very useful to access one of the work list filters depending on what you might be actions you want to take. My Work: When selected this link opens the user s work queue with current effective dates. My Agency s Work: If your agency has chosen this setup, this link will open up a work queue that will include items for all users within your agency with current effective dates. My Previous Year s Submissions: This link will list all applications in Not Taken or Declined statuses where the expiration date is equal to today s date or 3 months in the future for applications started in Rate & Quote. My Agency s Previous Year s Submissions: If your agency has chosen this setup, this link will list all applications for your agency in Not Taken or Declined statuses where the expiration date is equal to today s date or 3 months in the future for applications started in Rate & Quote. Once you select the work list, you will be able to see what work list filter is applied at the top below the filter selection: 97

98 Your work list contains the following data for each application: ID # This is a unique ID assigned by the system for each application entered. Pros / Pol # Name / DBA Agent Agency Contact UW Name Status Updated Effective FEIN This will contain the Zenith assigned prospect number. Once an account has been bound a policy number will appear in this column on your work list. Also, renewals that have been bound will appear in this work queue and the new policy number will be assigned. This is the insured name as entered on the insured page within the application. This section will also display the DBA name if applicable. This shows the agent assigned to the application. This is helpful if you are able to view your entire agency s work queue. This field shows the individual entering the application. The contact will receive communications and any questions needing to be answered from the underwriter. This shows the Zenith employee who is working on your customer s application if the item has been referred. The status of each work item will display here, such as Started, Under Review, Quoted, etc. The date the application was last updated appears here. This will be the date it was last updated by any user, whether within your agency or by Zenith. This is the effective date of the application as entered on the insured page within the application. This is the Federal Employer Identification Number that you have entered for your customer. 98

99 Additional Work List Filter Capabilities If you want to filter down to more specific lists than the Work Lists provided, you have the ability to filter on any data element that is displayed in the work list. Work Item Statuses Status is an important field to be able to determine where you customer s application is at in the process. You may filter on one or multiple statuses. To do so, select the Status box and select the desired statuses. Please see section below for an explanation on each status. Note: Though the work list filters and other filtering capabilities are separate, it will likely be helpful to apply the My Work or My Agency s Work with any additional desired capabilities so that you have current work items. Once you select the statuses, you will be able to see what are applied at the top below the filter selection: 99

100 The status of your work items is important for you as an agent to understand. It will help you know where your application is in the submission process and any actions you may need to take or not take to continue in the process. Below is a listing of the different statuses and a brief description of each. Started Clearance Pending Clearance Approved System Referral Under Review Approval Requested / Approval Received / Approval Denied Quoted Declined Bind Application Bound Not Taken The application has been started by you as an agent. It has not been referred to an underwriter nor has it reached the point of a quote or declination. In order to continue with the application there is more information or action needed by you as the agent. The application has been referred to Zenith to review to determine if another agency has the account reserved. Zenith has not yet taken action on the account. The application has been reviewed for clearance and approved. This does not mean it has been approved for a quote, simply that the account is now reserved for you as an agent. You must enter the application and complete the rest of the necessary information for a quote. The system has determined that this application needs to be reviewed by an underwriter. However, the underwriter has not yet been able to review the application. You may still edit the application if you find that some data is inaccurate. However, once you choose to edit the application, the underwriter will not review until it is referred again. The application went into a referral status and is currently being reviewed by an underwriter. At this point, you may no longer edit the application; you may only send comments to the underwriter. These indicate you application is going through Zenith review and approval. The application has received a quote, whether automated or after review by an underwriter. The application has been denied to quote, whether automated or after review by an underwriter. You may access the application to view, print, or save the declination letter. Application has been quoted and selected to be bound. However, not all the binding information has been completed. You should access the application and complete all the binding information in order to complete the binding process. The application has been bound with Zenith. You may enter the application to print, , or save the binding confirmation. No changes may be made at this time. The application was quoted with Zenith but the quote was not taken. This was either indicated by you, the agent, or the application is 15 days past the effective date. 100

101 More Options The More Options button allows you to filter on any other data element in the work list. To do so, select the More Options button and select the data element by which you would like to filter. For example, say you know the Zenith prospect number. You would select Prospect # from the dropdown and key in the prospect number to the box and then click Search. The filter criteria will then appear and may be edited if you wish. You may apply as many filters as you like. Please note, that some filters may have additional entry. For example, if you choose to filter by a date, you will have to select whether you want to filter on, after, before, or between. Note, to clear one filter criteria, simply click the X on the filter criteria. To clear them all you may select the Clear All link. My Filters You have the option to save filters to reapply in the future as much as you like. Once you have some filter criteria applied, select the My Filters button and you are able to key in a name to save the filter. Once done select save. To reapply the filter once saved, select the My Filters button and it will appear in the box. Click the text and it will be applied To delete the filter, click the X next to it. 101

102 Search Box The search box allows you to quickly find your customer by name. Once you type at least 3 characters of the name into the box, you list will begin to filter. The search feature can be used on the following criteria: ID (Complete ID # is required) Prospect # Name DBA Agent UW Name FEIN 102

103 Entries made in the search box may be removed by clicking on the X. Note: When you choose to exit the application, whatever work lists, filters, etc. you have applied will be reapplied when you log back in to the application. Export Feature The work list can be exported to Excel or CSV format based upon the filters applied by using the Export button. Please note, the export feature may only be used if at least one filter criteria is applied. 103

104 Work Item Actions In order to work with any of the applications in your queue, you will need to select one of the actions that appear to the right of the item. The available options will vary dependent upon what status your application is in. For example, you are not able to edit an application while it is being reviewed by a Zenith underwriter. Likewise, once an application is bound, you are not able to edit the application as it has become a policy. Below is a list of application actions. Edit Resubmit View View Summary Reassign Comments Attach File Quote Bind Binder Decline Letter Not Taken Update Not Taken Opens up the selected application and allow you as a user to edit the data. Opens up the Insured screen of the selected application to allow the resubmission of an application that was Declined or Not Taken the previous year. You will find this action on applications in the My Previous Year s Submissions and My Agency s Previous Year s Submission work queue. Opens the insured screen in view-only format. You may continue through each screen that was completed. Opens the Summary Review screen which displays the application information in a summarized, view-only format. Allows you to reassign the application to another user within your agency. Opens up the comment screen so you may write or review comments to or from your underwriter. Opens up the file attachment screen so you may add attachments. Opens the quote PDF once an account has been quoted. Opens up the bind screens to complete the binding information and bind the application. Opens the binding confirmation PDF. Opens the declination letter PDF. Opens the Sales Outcome screen requesting information to help us understand why the account was not taken. Opens the Sales Outcome screen to allow you to update information to help us understand why the account was not taken. 104

105 Reassign Screen From time to time, you may find it useful to reassign the Contact on a policy to another agent within your agency. For example, maybe you will be taking a week-long vacation next week but have a few applications that you want one of your co-workers to follow up on while you are away. To do so, you would click the Reassign link in the actions column next to the applications you want to reassign. Once you do so, the reassign screen will open. You may search for the other user either by typing the name or by selecting from the drop down. Once you have found the agent to whom you want to reassign the application, simply select the agent and click Continue. Once you select Continue, you will be returned to your work list, and the application will be reassigned to the individual selected. Please note to reassign the Producer on an account you would do that from the Insured screen of the application. 105