Please advise your agent as soon as possible if changes are needed or optional coverages are desired.

Transcription

1 SFI INSURANCE Enclosed you will find an admitted renewal Personal Umbrella quote for WARREN DILL. The Expiring policy number is PCL F and the expiration date is 11/24/2016. Section I- Section II- Section III- Section IV- Section V- Section VI- Details the premiums, taxes and fees associated with this account. In addition, it provides the Underwriting Notes and covers any of the additional underwriting information that might be needed prior to binding or within 21 days of the inception date. Provides the underlying coverages. Communicates the underwriting information used to rate this account and develop this quote. Lists the required coverage forms, notices, endorsements and exclusions. Offers optional coverages that are available to the applicant but are not currently included in the quote. Provides the Direct Bill Payment Description. In addition we have included some materials that will assist in the evaluation of this offer of coverage. A Point of Sale piece that provides some claims scenarios this account may encounter and a coverage checklist that can be compared to the quotation of another carrier. Endorsement PCL-156 (12/15) Public Or Livery Conveyance Exclusion Endorsement for your review. Endorsement PCL 377 (11/15) Exclusion For Permissive Regular Operators for your review. The carrier will send you an invoice based on the terms reflected in this quote. This service is free of charge; no interest, no set-up fees and no installment charges apply. Payment is due to the carrier by the expiration date in order to renew coverage. Payment options available to you are: 1. Send the invoice remittance slip with payment to the lockbox address on their invoice 2. Pay online at < 3. Pay by phone (automated system available 24/7) at Your invoice will include a unique number that will allow you to register your policy at < By registering your policy, you will have access to additional information as well as the option to set-up recurring payments. Recurring payments are a great way to minimize the possibility of your policy being cancelled or not renewed because payment was not received. Please advise your agent as soon as possible if changes are needed or optional coverages are desired. We invite you to contact us to discuss the benefits of any coverages, the costs associated or simply to provide feedback! We welcome the opportunity to talk with you about this quote. Thank you for the opportunity to renew this coverage with you! Cover letter

2 SFI INSURANCE SFI INSURANCE Cover letter

3 SFI INSURANCE PCL016S9719 Quote is valid on 11/24/2016 until 11/24/2016 To: WARREN DILL Renewal of: PCL F - Expiration Date: 11/24/2016 Confirm optional coverages: Do not include any optional coverages. Include the following optional coverages from Section V (Taxes & Fees may apply to optional premium if purchased) Option 1 - (add: $40) - Personal Injury - adds back Personal Injury Coverage if excluded on your primary liability policy. **DIRECT BILL RENEWAL** The policyholder will be invoiced 45 days prior to expiration. This renewal will be invoiced with 1 installment. This quote is for informational purposes only - do not bill or collect payment. Please advise as soon as possible if changes are needed or optional coverages are desired. I. PREMIUM AND UNDERWRITING NOTES/REQUIREMENTS PERSONAL UMBRELLA POLICY INFORMATION Carrier: Status: A.M. Best Rating: United States Liability Insurance Company Admitted A++ (Superior) - IX LIMIT OPTIONS PREMIUM WHOLESALER BROKER FEE AMOUNT DUE $1,000,000 (Expiring Limit) $ $35.00 $ $2,000,000 $1, $35.00 $1, $3,000,000 $1, $35.00 $1, $4,000,000 $1, $35.00 $1, $5,000,000 $2, $35.00 $2, ADDITIONAL COSTS INCLUDE: Wholesaler Broker Fee $35.00 ADDITIONAL QUOTE INFORMATION $25,000 Excess Uninsured/Underinsured Motorist Coverage is included in the premium listed above Please contact us with any questions regarding the terminology used or the coverages provided. **Read the quote carefully, it may not match the coverages requested** Page 1 of 3

4 PCL016S9719 Primary Automobile Uninsured/Underinsured limits must equal our Required Underlying Automobile Bodily Injury limits for this excess Uninsured or Underinsured coverage to apply. Your Office has elected to receive all direct bill quotes FREE AND DISCOUNTED BUSINESS SERVICES AVAILABLE TO USLI INSUREDS VISIT USLI.COM/BRC FOR DETAILS Underwriting Notes: PLEASE BE ADVISED, THIS IS A RENEWAL QUOTE BASED ON THE EXPIRING POLICY. PLEASE FORWARD ANY CHANGES IN ORDER FOR COVERAGE TO APPLY TO ALL ELIGIBLE EXPOSURES. THANK YOU! II. UNDERLYING COVERAGES Comprehensive Personal Liability Combined Single Limit: $300,000 Limits of Liability Recreational Vehicle Liability Limits of Liability Bodily Injury (Per Person): $250,000 Bodily Injury (Per Occurrence): $500,000 Property Damage (Per Occurrence): $100,000 Automobile Liability Limits of Liability Bodily Injury (Per Person): $500,000 Bodily Injury (Per Occurrence): $500,000 Property Damage (Per Occurrence): $100,000 Watercraft Liability Limits of Liability Bodily Injury (Per Person): $500,000 Bodily Injury (Per Occurrence): $500,000 Property Damage (Per Occurrence): $100,000 III. UNDERWRITING INFORMATION USED TO GENERATE THIS QUOTE Schedule In Brief 1 Primary Residence in the rating state of: California 0 Additional Owner Occupied Locations 0 Additional 1-4 family residential units rented to others 3 Automobile(s) 0 Motorcycle(s) and Vehicle(s) less than 4 wheels 0 Acre(s) of Vacant Land 0 Acre(s) of Farmland leased to others 0 Watercraft 0 Recreational Vehicle(s) 0 Farm Location(s) Please contact us with any questions regarding the terminology used or the coverages provided. **Read the quote carefully, it may not match the coverages requested** Page 2 of 3

5 PCL016S9719 Driver Name Date of Birth License Number License State Moving Violation Convictions (Last 3 Years) Major Moving Violations Convictions (Last 3 Years) At Fault Accidents (Last 3 Years) Warren Dill 11/8/1955 E CA Lynda Dill 11/24/1955 E CA IV. REQUIRED FORMS & ENDORSEMENTS Excess Liability Endorsements CA-DN PCL PCL 149 *PCL 377 PCL Jacket (05/06) Consumer Disclosure Notice California PCL-153 (11/14) Retained Limit (07/09) Personal Umbrella Liability Coverage Form (10/13) Coverage Extension - Excess Uninsured/Underinsured Motorist Coverage (11/15) Exclusion For Permissive Regular Operators *PCL-156 PCL-201 PCL-202 Drug or Alcohol Related Offenses (Last 5 Years) (12/15) Public Or Livery Conveyance Exclusion Endorsement (11/10) Service Of Suit Address Change (08/11) Worldwide Territory Endorsement (09/10) Personal Umbrella Liability Policy PCL-CA (07/09) California Changes PCL-139 (07/09) Unlicensed Operator Exclusion PER 376 (07/13) Suspended, Revoked, Restricted Operator License Exclusion PCL-148 (06/12) Exclusion - Rental of Owned or Leased PR NOTICE (06/01) Privacy Notice Auto PCL-151 (05/13) Limited Pool Exclusion For your convenience we have marked the endorsements that have changed for this coming term. Those marked with 1 asterisk (*) are new forms not previously included on this account. V. OFFER OF OPTIONAL COVERAGE(S) Based on the information provided, the following additional coverages are available to this applicant but are not currently included in the quotation. The additional premium may be subject to taxes & fees. For a firm final amount please contact us and we will revise the quote. Coverage Premium Option 1 Personal Injury - adds back Personal Injury Coverage if excluded on your primary liability policy. $40 Important Information If this option is selected, the PCL-154 will apply VI. DIRECT BILL PAYMENT PLAN DESCRIPTIONS SINGLE PAYMENT One Year Payment Plan Descriptions: - The entire premium is invoiced with one installment and due by the inception date. Please contact us with any questions regarding the terminology used or the coverages provided. **Read the quote carefully, it may not match the coverages requested** Page 3 of 3

6 This endorsement modifies insurance provided under the following: PERSONAL UMBRELLA LIABILITY COVERAGE FORM Public Or Livery Conveyance Exclusion Endorsement I. DEFINITIONS The following definition is added: Transportation network platform is an online-enabled application. It may also be a digital network. It is used to connect passengers with drivers. This connection is used to arrange transport for the passenger. The driver will be compensated in exchange for this transportation. III. EXCLUSIONS, H., is deleted and replaced with: Arising out of the use of a conveyance. This includes but is not limited to an: automobile; watercraft; or recreational vehicle while being used as a public livery conveyance. This also includes carrying persons or property for a fee or other consideration, expressed or implied. Any period of time an automobile is being used by any insured while logged into a transportation network platform as a driver. This is true whether or not a passenger is in the automobile. This exclusion does not apply to a share-the-expense car pool that is not operated for business purposes. All other terms are the same. This endorsement is a part of your policy. It takes effect on the effective date of your policy. PCL 156 (12-15) Page 1 of 1

7 This endorsement modifies insurance provided under the following: PERSONAL UMBRELLA LIABILITY COVERAGE FORM Exclusion For Permissive Regular Operators A person other than those defined as Insured in Section I. DEFINITIONS, F. 1., 2., or 3. is not an Insured if they are a Permissive Regular Operator of: an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured if such person does not reside in the primary residence of the Named Insured on a full time basis. A Permissive Regular Operator is defined as a person who is permitted by the Named Insured to have possession, control of, and operate an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured on an ongoing basis or for extended periods of time exceeding thirty consecutive days. This does not include a person who occasionally and with permission of the Named Insured, borrows and operates an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured for short periods of time before and after which the Automobile, Recreational Vehicle or Watercraft is in the custody and control of the Named Insured. It is agreed that Section III. EXCLUSIONS, is amended to add the following: Or expense, including the cost of defense, caused by, arising or resulting, directly or indirectly, from: 1. The operation, possession or use by a Permissive Regular Operator of: an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured. This does not apply if the person(s) has been disclosed to us and endorsed to this policy; or 2. The operation, possession or use of: an Automobile, Recreational Vehicle or Watercraft by a Permissive Regular Operator hired by any insured to operate such vehicle or watercraft. This does not apply if the person(s) has first been disclosed to us and endorsed to this policy. This exclusion does not apply to dependent, full time students who are temporarily residing at school. This exclusion does not apply to children of a Named Insured who reside in the Named Insured s residence as a result of a court approved shared custody arrangement. All other terms are the same. This endorsement is a part of your Policy. It takes effect on the effective date of your Policy unless there is another effective date that is shown. PCL 377 (11-15) Page 1 of 1

8 BUSINESS RESOURCE CENTER DID YOU KNOW THAT YOUR INSURANCE POLICY PROVIDES YOU WITH MORE THAN JUST INSURANCE COVERAGE? TAKE THE STEPS TO REDUCE YOUR CYBER RISK Credit monitoring and cyber risk up to $20,000 for out-of-pocket expenses related to identity restoration Access to four discounted identity theft HIRE THE RIGHT EMPLOYEES TO HELP YOU RUN YOUR HOME Background Check Services First one is FREE and then pricing for each additional screen starts at $10, may apply Motor Vehicle Reports Discounted Training Module FREE access to acquire the skills needed to select the right candidates for your company MORE RESOURCES DO YOU ALSO OWN YOUR OWN BUSINESS? TAKE ADVANTAGE OF: Human Resource Specialists and Training Modules Payroll Services Alcohol Safety Training Educational Resources MAKE THE RIGHT CHOICES WHEN BRINGING ON A NEW TENANT Access to tenant screenings ($15 and $20) - $15 tenant screen does not include the credit score Packages include multi-court criminal database search, multi-court eviction database search, online rental application, adverse action notices for unlimited users, and (optional) Marketing and Social Media Resources For more information and to utilize these services, contact your insurance agent or visit usli.com/brc BRCPersonalQuoteAttachment-10-14

9 Please note: In order to request binding of coverage, please use the following checklists. Missing items may result in delayed policy issuance. If the policy is direct-billed, you DO NOT need to collect any money. Fully completed and signed application Fully completed and signed page 1 of the quote If agency billed, payment is required within 14 days If direct billed the payment option being requested Umbrella: Completed and signed/initialed UM/UIM waiver On a premium financed policy, include a copy of the finance agreement and a proof of the minimum down payment of 25% of the base premium plus all applicable fees 303 Lennon Lane Walnut Creek, CA License # (800) (925) Fax (925)