Your Key to Marketable Agricultural PackagesYour Key to Marketable Agricultural Packages

MARM Mission Statement

Provide profitable market for rural insurance

programs through independent agents. Utilizing

selective underwriting, risk based rating and

ongoing risk inspection to create a premier

agribusiness policy provider in the industry.

Servicing clients with personal attention driven by

unique computer and marketing support.

Responding to policyholder losses with accurate,

timely, and informative settlements.

Functions of MARM

� Appoint Agents

� Provide Agri Markets

� Agency Training

� Policy Underwriting

� Market Expansion

� Pay Commissions

� Web Based Services

� Process Claims

�15% FO/RO, Hobby Farms

�15% Rural Auto, Farm Trucks & Semis

�10% Excess

�10% Mono-line Inland Marine /

Irrigation Equipment

All Paid on New & Renewal

A General Agency

Offering Full Commissions

Mid-America Risk Managers, Inc.

---MARM---

� Farm/Ranchowners

� Agri-Auto Risks

� Agri Umbrella

� Hobby Farms

� Stand Alone Irrigation Coverage

� Confinement Risks *

� Equine & Training *

� Dairies *

� Local Specialized Underwriting

*Requires 45 days advance to Quote

� Excellent Coverage - Special Perils, Flood & Earthquake

� Including Mechanical & Electrical Failure – Any Age

� Full Replacement Cost (Must be insured to 90% of replacement

value) Total or Partial Loss

� Deductibles $1000 up to $10,000

� Occurrence Deductible (Not per item)

� No Pivot Age Limit or Surcharge

� Collision w/other systems

� Damage on the Initial Circle

� Optional Ancillary Coverage

Stand Alone Inland Marine

�*$25,000 Legal Liability for Written CCC

� $25,000 Additional Removal Expense

� $10,000 Fire Dept. Charge

� $10,000 Premises Pollution Clean Up

� Newly Acquired –Lesser of 25% of Policy

Limit or $50,000

*No Other Coverage Known in the Industry

Not in Handout – Please Add to Notes

Irrigation Policy

Hidden Features

FO/RO, Rural Auto, & Excess

�Flexible Coverage --Basic, Broad or Special

�Flexible Occurrence Deductibles

�Flexible Pricing -- 4 Rate Tiers plus IRPM

�Quick PDF Policy Turnaround

�Blanket Inventories on Web

�RC and M&E on Irrigation (NE Only)

�10 Acres

�$75,000 Dwelling

�Not Qualified for HO

�Principal Dwelling

Hobby Farms

Dwelling Coverage*

� Coverage A - Residence

Perils:

� Basic

� Broad

� Special

* Principal Dwelling may be in town, listed as a separate location

PROPERTY� Perils –

Basic, Broad or Special

� Newly Acquired Machinery –60 days, $100,000

� Rented or Borrowed Equipment -

$50,000 – Primary

� Livestock Per Head Limit –Refer over $5,000

� Must Insure Combines and Irrigation Equipment in this manner ONLY

Scheduled Farm Personal PropertyScheduled Farm Personal Property

� Perils:Basic, Broad or Special

� Same as Scheduled but no combines or irrigation equipment.

� Must be within 80% of total

Farm Personal Property not

excluded

Unscheduled (Blanket)

Farm Personal PropertyUnscheduled (Blanket)

Farm Personal Property

Perils available:

Basic

Broad

Special

Losses settled on ACV, replacement cost is available by endorsement and buildings must be insured to 80% of

replacement cost.

Barns, Buildings, and Structures

FARM

� Premises Pollutant Clean Up & Removal - $10,000 limit

� Property in Care of Common Carrier - Perils of Cov. E or F, $1000 limit

� Cab Glass - Perils of Cov. E or F, $0 deductible

� Farm Records - $2000, $0 ded. includes data

� Buildings Under Construction - $250,000

Incidental Coverages� Provides Property Coverage - Special Perils (except Hay)

w/$250 Deductible:

• Hay, Straw and Fodder $10,000

• Computer Equip. & Software $10,000

• Misc. Equipment (not tractors) $10,000

• Office Equipment & Furnishings $10,000

� $250,000 coverage for newly acquired machinery

� $10,000 Transportation of covered FPP

� $50,000 coverage per stack limit on insured hay

� $10,000 Rental Reimbursement Expense

� Cost to repair Agricultural Machinery, 5 years and newer, without depreciation deduction

Agri Plus II -- $200 Endorsement

MARM Rural Auto Program

Requires FO/RO

All Vehicles with Rural Garaging

Good Rates

No Commercial Exposures

Discounts & Credits:

Preferred Risks

Fleet and Multi-car

Seasonal Lay-up (Trucks including

Semis for Insured’s own use)

Application Requirements

ACORD Forms 125,137 and

127

Proof of Prior Coverage

Loss History

Expiring Premium

Eligible Drivers

Not more than 3 Violations

(except youthful)

No DUI, DWI or other major

Violations

Further guidelines apply

Average 1 per driver on Account

Minimum Premium: $750 but $500 if combined premium is less than $10,000

Limits to $10,000,000 or higher

Travelers requires Auto to be written with Travelers Auto

Does not apply to Employer’s Liabilityor UM/UIM

Convenient Account Billing

E-mail to personnel

Exclusive Web Rating for Irrigation &

FO/RO Risks

Store Quotes & Convert to Applications

Paperless Electronic Applications

Receive PDF Policies & Changes

Download Manuals

Download Forms

On-Line Policy Change Requests

Send Digital Pictures

WWW.marm.net Services

BeforeBefore you Quote --

Obtain hard copy loss runs

Run MVR on all drivers

• Appointing New Agents

• Aggressive Pricing Guidelines

• Special Agri Risks

Marketing Opportunities

www.marm.net

(800) 935-MARM