Industry specific coverage and services designed to fit your client’s needs.
Confidential and proprietary. Not for distribution outside of Allied and Allied agencies.
CaliforniaNevada
Pacific Coast Regional Office
Looking to build your commercial bookof business?It has never been a better time to partner with Allied. This year, we’re broadening our vision and working hard to make writing commercial easier than ever. We’ve expanded our coverage options and now offer enhancement endorsements for all of our Premier Businessowners and Allied Targeted programs. We understand the importance of superior service which is why at Allied, we offer safety training and loss control resources, flexible payment options and our world class claims representatives are available 24/7, 365 days a year. We are the 6th largest writer of Commercial Multi-Peril and Commercial Auto insurance which is why you can count on us to understand the specific needs of your business customers.
Let’s make your job a little easier.We’d like to help give you the opportunity to provide your customers with the coverages they need. The format of this guide is consistent so it’s easy for you to quickly identify the types of risks that fit some of our most popular “preferred programs”. Within each program you will find these specifics:
• A brief statement that explains our appetite
• Specific classes of business in which we’re interested
• Information about special coverages that might be available
• And, a coverage checklist to help you identify the critical coverages for each industry
Of course, this is just a guide; complete information about each program is available through the eLibrary which is available via the Allied Agent Center.
The classification, eligibility and coverage descriptions found in this guide are summaries only. This summary does not include policy conditions, exclusions, and limitations; refer to policies for details of coverages. Any conflict between the policy and this summary, the provisions of the policy prevail.
This guide is intended for reference only and is subject to change without notice.
TABLE OF CONTENTS
Premier Businessowners:Auto Service 10
Food Service 13
Habitational 18
Motel 21
Office 24
Process or Service 28
Retail 32
Wholesale 37
Allied Targeted Programs:Allied Church Program 42
Contractors 45
Printers 51
Wholesalers & 55Distributors
Allied Other Lines of Business:Commercial Automobile 61
Commercial Package— 64Commercial Property &General Liability
Umbrella 70
Value Added Programsand Services:
Loss Control 72
Bonds 73
Allied General Agency 75
Claims 76
Payment Plans 77
Premier Businessowners
5
Premier Businessowners
The Premier Businessowners program is generally for small to medium businesses that present low to medium premises/operations exposures and low products/completed operations exposures. In the next few pages, you will find additional information about several of the Premier Businessowners programs that are written in your particular area of the country. While space in this guide doesn’t allow us to list all the eligibility rules and guidelines for every program, the information found in the following pages should give you a good idea of the types of risks Allied Insurance likes to write.
And as you know, coverages may vary from program to program; generally speaking you will find that the Premier Businessowners programs provide broad property and liability protection for your clients.
Here are a few of the main coverages that are included.
Premier Property Protection
• Replacement Cost Coverage• Special form causes of loss• Coverage is provided without a coinsurance provision.
Additional Property Coverage
• Business Income—Actual loss sustained*• Extra Expense—Actual loss sustained*• Equipment Breakdown• Appurtenant Structures• Debris Removal• Money and Securities• Back Up of Sewer or Drain Water Damage• Pollutant Clean Up and Removal• Increased Cost of Construction• Exterior Building Glass• Arson Reward for Conviction• Dependent Properties—Business Income
Property Coverage Extensions
• Newly Acquired or Constructed Property• Newly Acquired Locations—Business Income• Outdoor Signs
Optional Property Coverages
• Actual Cash Value• Employee Dishonesty• Ordinance or Law• Spoilage from Power Outage• Scheduled Property Floater• Ordinance & Law Blanket Sublimit
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*Options available for 3-24 months.
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Premier Businessowners
Premier Liability Protection
Provides coverage for:
• Bodily injury, property damage and personal injury and advertising injury
• Premises/operations and products/completed operations
• Medical payments
• Tenant property damage legal liability
• Waiver of Subrogation
• Data Breach*
• Automatic additional insured status:
• Co-Owners of Insured Premises
• Controlling Interests
• Grantors of Franchises or Licenses
• Lessors of Leased Equipment
• Managers or Lessors of Leased Premises
• Mortgagees, Assignees, or Receivers
• Owners from Whom Land is Leased
• State or Political Subdivisions
• Supplementary payments coverage:
• Cost of Defense Expenses
• Bonds to Release Attachments
• Expenses Incurred by Insureds at Our Request;
• Costs Taxed against Insureds in a Suit
Optional liability coverages:
• Additional Insureds
• Employee Benefits Liability
• Garagekeepers Coverage
• Hired and Non-Owned Auto Liability
• Employment Practices Liability
The Premier Businessowners Plus Endorsements are optional endorsements that are designed to work with the base businessowners coverage forms. Each Plus endorsement is customized with additional coverages unique to the program, and is available for the following BOP programs:
• Auto Service
• Food Service
• Motel
• Office
• Process/Service
• Retail
• Wholesale
*Data Breach Expense Reimbursement available on Inland Marine
7
Premier Businessowners
The Premier Businessowners Advantage Endorsement (PB 20 99) is an optional endorsement designed to appeal to a wide range of insureds across all eight Businessowners programs. Also available is an Advantage endorsement with Employee Dishonesty Coverage (PB 20 98). Both coverages are available for the following BOP programs:
Advantage Endorsement Property Coverages
We allow customers to “blanket” their protection. They can rest assured that they have the coverage they need at a price they can afford.
• Customized limit: $100,000 up to $500,000
• The limit applies for all of the following coverages:
• Accounts Receivable
• Valuable Papers and Records
• Debris Removal
• Forgery or Alteration
• Utility Services
• Back-up of Sewer or Drain Water Damage
• Increased coverage provided for their business personal property that is beingtransported or is at a non-owned location
Advantage Endorsement Liability Coverages:
• Watercraft increased from 26’ to 51’
• Bail Bonds, Daily Expense and Newly Acquired Organizations—coverages thatincrease the included limit
• Bodily Injury definition now includes mental anguish, mental injury, shock or frightas a result of injury, sickness or disease
• Auto Service
• Food Service
• Motel
• Office
• Process/Service
• Retail
• Wholesale
• Habitational
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8
Optional Coverages
CompleteBOP
Protection
Property and Liability Coverage
Forms
AdvantageEndorsement and
PlusEndorsement
Businessowners Plus and Advantage Forms
Pricing Tools*
And, don’t forget about all of the tools we have in place to help you get the best price for the accounts we want to write.
• Multiple Policy Discount Plan
• Multiple Building Credit Plan
• Persistency Plan
• IRPM—Individual Risk Premium Modification
• Years at Premises Modifier
• And others
*Pricing tools are not available in all states or in all Premier Businessowners Programs. Pricing is subject to individual risk qualifications.
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Premier Businessowners
Auto Service
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Auto Service Program
The Auto Service Program is for small to medium auto service and repair businesses. With our broad appetite, we are willing to write most auto service and repair businesses on our BOP program. We are especially interested in the businesses listed below.
Classification Listing:
Air Conditioning System Service or RepairAlignment & BrakesAuto Body RepairAuto DiagnosticAuto Glass RepairCar Washes Carburetor ShopsClutch Service or Repair (see Transmission)DetailingElectrical and Ignition Service or RepairEmissions TestingEngine RebuildingGeneral Automotive Service or RepairMuffler ShopsPaint ShopsQuick LubesRadiator Service or RepairSound ShopsTire DealersTransmission Service or Repair Upholsterers
Key Underwriting Guidelines:
• An alarm is required if Theft Coverage is desired.• Sales of non-automotive products or services should not exceed 10% of
total receipts.• There should be no sales of autos (i.e., no car dealerships).• No work on high performance vehicles, truck engines, or vehicles used in racing or
competitive events.• Towing activities should be incidental; no contract towing operations.• Auto body shops must have UL approved paint booths that meet NFPA 33
standards.• Gasoline tanks should not exceed 20 years of age.• LPG sales require prior underwriter approval.• Risks should not have impound yards, rental operations, tire recapping operations,
or split-rim work.• Other restrictions may apply; refer to Program Eligibility in the eLibrary for details.
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Auto Service
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Auto Service Program
Key Coverages:
Auto Service Plus Endorsement (PB 20 00)Coverage Description Limit of Insurance Deductible
Lock Replacement Expenses $1,000 None
Employee Portable Tools & Equipment
$1,000* each employee; $10,000* all employees
$500
Transit Pollutant Clean-Up & Removal - In Aggregate
$25,000 $500
Auto Service Coverage ChecklistCoverage Form
Garage Liability1 PB 30 00
Garagekeepers Coverage* PB 30 02
Appurtenant Structures2 Included
Broadened Garage Coverage PB 30 04
Employee Tools and Equipment PB 20 00
Businessowners Advantage PB 20 99
Auto Service Plus Endorsement PB 20 00
• Garage Liability (PB 30 00) Provides coverage for customers’ automobiles while in the course of the garage operations.
• Garagekeepers Coverage (PB 30 02) Protects an auto service shop against liabilityfor damage to vehicles while in their care.
• Broadened Garage Liability (PB 30 04) Provides additional coverage for bothDefective Products and Faulty Work.
1Automatically included with occupant classification.2Coverage included at 10% of the building limit up to $50,000 maximum. Additional limits may be scheduled.* Blanket garagekeepers at a single location is available
*Optional limits available.
Premier Businessowners
Food Service
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Food Service Program
The Food Service Program is for establishments that prepare and serve food directly to a consumer. We will entertain a wide variety of restaurants within this program ranging from limited cooking to fine dining. Please refer to the eLibrary for a complete classification listing and underwriting guidelines.
Classification Definitions:
Family Style: A “full menu” restaurant that caters primarily to families. E.g., American Style, Asian, BBQ, California Cuisine, Chinese, Ethnic, Italian, Japanese, Mexican, Seafood, Steak House.
Fast Food: A restaurant wherein food is purchased at a counter and then taken to the dining area to be consumed. These establishments typically also include take-out as well as drive thru service. They will include “limited cooking” type appliances as well as grills, broilers, deep fat fryers, roasters or BBQ’s. E.g., Chicken, Hamburger, BBQ, Hot Dog, Mexican, Oriental, Seafood.
Fine Dining: A “full menu” restaurant wherein the average entree price is $14.00 or more as evidenced by their current menu. E.g., American Style, Asian, BBQ, California Cuisine, Chinese, Ethnic, Italian, Japanese, Mexican, Seafood, Steak House.
Exquisite Fine Dining: An upscale “full menu” restaurant wherein the average entree price is $25.00 or more as evidenced by their current menu. (CA only)
Full Menu: A restaurant that offers a variety of foods with waiter/waitress service at tables. Takeout is limited (less than 10%) and no drive-thru service is provided. Food preparation will use the full array of cooking methods.
Limited Cooking: No cooking except by microwave or convection ovens, steamers or toasters. This class shall not include food preparation with deep fat fryers (excluding shallow donut fryers), grills, broilers, roasters, barbecuing, solid fuel cooking (e.g., wood), or other processes capable of producing grease-laden vapors requiring an exhaust system. E.g., Bagel Shop, Coffee Shop, Delicatessen, Ice Cream Store, Pasta Restaurant, Pizza Restaurant, Sandwich Shop, Yogurt Shop.
Take-Out-Only: No beverages or food served for consumption on premises. There may be a small customer waiting area, however no tables or other facilities are provided for the customer to eat on the premises.
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Food Service15
Food Service Program
Classification Listing:
American RestaurantAsian RestaurantBagel ShopBarbeque RestaurantCafeterial/Buffet Style RestaurantCalifornia CuisineChinese RestaurantCoffee Shop
DelicatessenDonut ShopDrive-Thru RestaurantEthnic RestaurantFranchised Fast Food RestaurantIce Cream ShopsItalian RestaurantMeal Preparation Store
Mexican RestaurantPasta RestaurantPizza RestaurantRestaurant NOCSandwich ShopSeafood RestaurantSteak HouseYogurt Shop
Key Underwriting Guidelines:• In business for at least three years under current ownership.
• A financially sound and successful business.
• Operate on a year-round basis.
• Designed for restaurant or food service occupancy.
• Located in protection classes 1-8 with paid fire response.
• Meets the Americans with Disabilities Act requirements.
• Properly protected with both smoke and fire alarms.
• If liquor is served, these receipts may not exceed 25% of total gross receipts except: 35% for fine dining, 45% for exquisite fine dining in CA; 50% for NV.
• Liquor Liability Coverage is available by endorsement; subject to liquor underwritingcriteria. See the eLibrary or contact your underwriter.
• Catering receipts should not exceed 50% of total gross receipts.
• Fast Food restaurant risks should: • have total property exposure less than $2,000,000 per premises • not offer residential delivery
• Restaurants of frame construction should contain property values of $1,000,000 or less unless protected by an automatic sprinkler system.
Commercial Cooking Requirements:• All cooking equipment should meet NFPA 96 Commercial Cooking requirements.
• An automatic extinguishing system protecting the hood, duct, and all surfaces ofgrills, ranges, deep fat fryers, broilers and stoves meeting UL-300 requirements.
• A service contract for semiannual inspection and maintenance of the extinguishingsystem and quarterly flue cleaning.
• A manual release device for the extinguishing system located in the path of exitfrom the cooking area.
• Automatic thermostat controls with a high limit switch and fuel cut off to the deepfat fryers.
• A regular in house cleaning schedule for hoods and filters with professional cleaningat least quarterly.
• A minimum of 18 inches clearance between all hoods and ducts from combustiblematerials.
• All lights in the hood of explosion proof type.
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Food Service Plus Endorsement (PB 20 02)Coverage Description Limit of Insurance Deductible
Credit Card Forgery $5,000 $500
Credit Card Slip Theft, Disappearance or Destruction
$5,000 $500
Automatic Extinguishing System:
n/a n/a
• Cooking EquipmentRecharge Expenses
$5,000 $500
• Clean-up Expenses(Accidental Discharge)
$5,000 $500
• Loss of Income fromDischarge
$5,000 $500
Food Contamination – Loss of Income:
$10,000 per premises;$50,000 annual
aggregate
24 hour wait
• Restoration Expenses $10,000 $500
• Additional AdvertisingExpense
$5,000 $500
• Inoculation ExpenseReimbursement
$5,000 $500
Spoilage from Power Outage $10,000 $500
Food Service Program
Key Coverages:
• Spoilage from Power Outage (PB 04 15) This endorsement provides coverage onlyfor spoilage of perishable stock, including change in temperature or humidity,caused by power outage, whether on or off premises.
This coverage is broader than the Utility Service endorsement, as the power outage cause of the loss does not need to be triggered by a covered cause of loss. This differs from the Utility Service endorsement, which requires a covered cause of loss to trigger the interruption of service.
• Liquor Liability Coverage (PB 63 03) Coverage for the legal liability for bodily injury or property damage because of the insured’s serving or sale of alcohol to a customer.
• Equipment Breakdown Coverage (included) Protects against damage caused bypower surges, mechanical breakdown, motor burnout, and boiler damage.
Food Service
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Food Service Coverage ChecklistCoverage Form
Business Income Included
Liquor Liability PB 63 03
Equipment Breakdown Included
Permanently Installed Equipment
Include in building
Spoilage from Power Outage PB 04 15
Utility Services PB 04 56
Food Contamination PB 20 02
Businessowners Advantage PB 20 99
Food Service Plus Endorsement PB 20 02
Food Service Program
Premier Businessowners
Habitational
19
Habitational Program
The Habitational program is generally intended for apartments, condominium associations and townhouse associations.
Key Underwriting Guidelines:
• Minimum lease term of 6 months, 12 month term is preferred. Signed leaseagreement between the insured and each tenant is required. (Apartment only)
• On-site management is recommended for all locations with more than 30 units.This can be a manager who lives on the premises full time or a manager who keepsregular office hours on-site. (Apartment only)
• Recommended that all apartment tenants carry renters insurance. Ideally, theinsured would include this in the written lease agreement and obtain certificates ofinsurance.
• Condominiums should be at least 75% owner occupied (less than 25% rented out).
• Condominium owners must have their own insurance.
• Buildings 4 or more stories must be 100% sprinklered.
• Other restrictions may apply; refer to program eligibility in the eLibrary for details.
Property
• Risks with more than 30 units should have a professional qualified maintenancestaff, with an established preventive maintenance program.
• Compliance with NFPA 70 – National Electric Code.
• Apartment and Condominium buildings should have all dryer vents cleanedannually by a professional contractor.
General Liability
• Compliance with NFPA 101 – Life Safety Code.
• Two means of egress from each living unit, except as permitted otherwise byNFPA 101 – Life Safety Code.
• Buildings must be equipped with operational UL listed or approved central stationmonitored automatic fire detectors (smoke/heat):
• Located in each residence.
• Located in common areas.
• Detectors should be hard wired and installed in accordance with NFPA 72 –National Fire Alarm Code.
• Carbon monoxide alarms may be required• 1 or 2 story buildings equipped with battery powered detectors may be acceptable if:
• Management has demonstrated its reliability with periodic testing and battery replacement.
• The testing is documented.
• Hardwired alarms with battery backup are required on any building over 2 stories.
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Habitational
20
Habitational Program
Key Coverages:
• Apartment Cooperative, Condominium and Townhouse—Directors and OfficersLiability Insurance (PB 41 00)
Habitational Coverage ChecklistCoverage Form
Business Income Included
Condominium Association PB 17 01
Directors and Officers Liability PB 41 00
Utility Services PB 04 56
Hired and Non-Owned PB 04 04
Businessowners Advantage PB 20 99
Businessowners Advantage Endorsement with Employee Dishonesty
PB 20 98
Premier Businessowners
Motel
22
Motel Program
The Motel program is generally intended for newer moderately priced franchised business class motel properties, which offer limited services and facilities. This program is not intended for the larger convention-oriented risks with a bar, tavern, or restaurant exposure in the same building.
Key Underwriting Guidelines:
• Motels should be affiliated with a national or regional franchise operations. Risks not associated with a national or regional franchise operation may be considered – please discuss with your underwriter.
• Property should be less than 20 years old.
• The motel must be in business under current ownership for a minimum of 3 years.
• The motel must be open for year-round occupancy and maintain an occupancy rateof at least 60%.
• The motel must be catering to guests needing overnight accommodations for a dayor more.
• Buildings must be 6 stories or less. Buildings 3 or more stories must be 100%sprinklered with a minimum 65 point ISO grading and proper alternative means ofegress.
• No rentals by the month or longer, bars, taverns, live entertainment, restaurantsattached to the motel, or playgrounds.
• Swimming pools, spas, hot tubs and fitness facilities are allowed if there is a dailywritten maintenance program or record, and no diving boards or slides on the pool.
• Properties should be in protection classes 1-8.
• Risks that serve a light breakfast or dinner requiring limited cooking are eligible. Kitchenette or other in-room limited cooking facilities are also acceptable.
• Hard wired smoke and heat detectors and alarms must be present in all guest rooms.
• Risks that offer free “Happy Hour” drinks for their guests (only) are eligible, only if amotel employee dispenses the drinks.
• Other restrictions may apply, refer to program eligibility in the eLibrary for details.
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Motel 23
Motel Plus Endorsement (PB 20 04)Coverage Description Limit of Insurance Deductible
Computer Fraud & Funds Transfer Fraud
$10,000 Subject to Policy Deductible
Lost Master Key/Key Card $10,000 $500
Guest Relocation & Reimbursement Expense
$10,000 $500
Contract Penalty $5,000 $500
Fine Arts Coverage $10,000 per item limit$50,000 per
occurrence limit
$500
Motel Program
Key Coverages:
• Liability for Guests’ Property (PB 58 01) Provides coverage for the motel’s legalliability arising out of loss of or damage to property of their guests, while suchproperty is in the motel building or in the possession of the motel outside of themotel building.
• Utility Services (PB 04 56) This endorsement insures against loss caused by theinterruption of service of a specified utility when the interruption results from a covered cause of loss to the utility property. This endorsement is also extended to cover the loss of income beginning 12 hours after the interruption of service forces suspension of your operations.
• Business Income Provides coverage for loss of business income sustained that occurs after the date of direct physical loss or damage. Coverage choices for the actual loss sustained (ALS) period range from 3 to 24 months.
Motel Coverage ChecklistCoverage Form
Business Income Included
Guests’ Property PB 58 01
Guest Relocation Expense PB 20 04
Utility Services PB 04 56
Lost Master Key/Key Card PB 20 04
Businessowners Advantage PB 20 99
Motel Plus Endorsement PB 20 04
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Premier Businessowners
Office
25
Office ProgramThe Office program is for small to medium businesses, including owner occupants,lessors, and tenants that present low to medium premises/operations exposures. Weare especially interested in those types of businesses listed below.
Classification Listing:
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Office
Accounting & Bookkeeping FirmsActuarial Services Adjusters—IndependentAdvertising AgenciesAppraisers—Real Estate Architects—ConsultingAssociations—including TradeAttorneys Banks—Lessors Risk OnlyBookkeeping FirmsBrokers—Stock, CommodityBusiness ManagementChiropodistsChiropractorsCommunication ConsultantsDentists & Dental Surgeons Draftsmen Educational Consultants Financial Planning ConsultantsInsurance Agents
Management ConsultantsMedical ClinicsMortgage Brokers Notaries—Public Offices or Agencies—CondominiumsOpticiansOptometristsOsteopathic PhysiciansPhysicians and SurgeonsPhysiotherapistPodiatristsProfessional Offices—NOC*PsychologistsPublic RelationsReal Estate Agents & OfficesTax Return PreparationsTicket AgenciesTitle Abstract CompaniesTravel AgenciesVeterinarians
*Refer to underwriter.
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Office ProgramKey Underwriting Guidelines:• Buildings should not exceed six stories in height.• Buildings should be occupied principally for office purposes.• Offices should not be in converted dwellings or operated from private residences.• There should be no armed employees or armed security services.• Optometrists should not have operations that go beyond the production,
reproduction, mounting and fitting of glasses; they should not be involved insurgery; and they should not operate stores that also sell a variety of other productssuch as cameras, binoculars, microscopes, etc.
• Veterinarians should not be employed or retained by a racetrack; they should notbe employed by a farm or ranch specializing in high-valued stock; and they shouldnot be involved in extensive treatment with experimental drugs or medicines.
• Other restrictions may apply; refer to program eligibility in the eLibrary for details.
Key Coverages:
Office Plus Endorsement (PB 20 05)Coverage Description Limit of Insurance Deductible
Lock Replacement Expenses $5,000 None
Unauthorized BusinessCard Use
$5,000 Subject to Policy Deductible
Fine Arts Coverage $10,000 per item limit$50,000 per
occurrence limit
$500
Computer Fraud & Funds Transfer Fraud
$10,000 Subject to Policy Deductible
Laptop Computers – Worldwide Coverage
$10,000 $500
Contract Penalty $5,000 $500
• Professional Liability Provides protection for a professional error or mistake madeby the insured or by others performing work on their behalf.
• Equipment Breakdown (included) Protects against damage caused by powersurges, mechanical breakdown, motor burnout, and boiler damage.
• Employee Dishonesty (PB 20 98) Coverage is included in the Businessowners Advantage Endorsement with Employee Dishonesty Coverage (PB 2098). Coverage is also built into the property coverage from with an option to increase limits. Protects against the loss of money, securities and property from the fraudulent act of an employee.
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Office Program
Office Coverage ChecklistCoverage Form
Business Income Included
Equipment Breakdown Included
Accounts Receivable Included
Tenants Property Damage Legal Liability
Included
Hired and Non-Owned Auto Coverage
PB 04 04
Utility Services PB 20 99
Employee Dishonesty PB 20 98
Veterinarians Professional Liability
PB 08 05
Businessowners Advantage PB 20 99
Businessowners Advantage with Employee Dishonesty
PB 20 98
Office Plus Endorsement PB 20 05
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Office
Premier Businessowners
Process or Service
29
Process or Service Program
The Process or Service program is for small to medium businesses, including owner-occupants, lessors, and tenants that present low to medium premises/operations and low products/completed operations exposures. We are especially interested in those types of businesses described below.
Classification Listing:
Addressing or Mailing Companies
Appliances & Accessories Install, Service, or Repair
Bakeries
Barber & Beauty Shops
Blueprinting
Bookbinding
Business Form Printing
Copying and Duplicating
Dental Laboratories
Diaper Services
Dry Cleaners & Laundries
Embroidery Shops
Engraving
Funeral Homes or Chapels
Lithographing
Microfilming Service
Nail Salons
Pet Grooming
Photo Finishing
Photocopying Service
Photoengraving
Photo Finishing Shops
Photography Studios
Piano Tuning
Plant Maintenance Services—Commercial
Printing & Duplicating
Shoe Repair
Tailoring or Dressmaking
Taxidermist
Typesetting
Uniform, Towel & Linen Services
Watch, Clock, & Jewelry Repair
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Process or Service
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Process or Service Program
Key Underwriting Guidelines:
• Property should occupy less than 25,000 square feet of mercantile space.
• Operations should have less than $5,000,000 in annual gross receipts.
• An additional 25,000 square feet of habitational or office space may be included.
• Storage facilities may be included if they are located in a separate building owned by the insured which are incidental to an eligible process/service risk and do not exceed 25,000 square feet.
• Off-premises installation, service, and/or repair exposures should not have receipts from those operations that exceed 25% of total receipts.
• Risks cannot primarily be a contractor.
• Barbers and beauticians should not offer services beyond the normal haircutting, perms, highlighting, tinting, manicures, pedicures, etc. Day spas, electrolysis, and permanent make-up risks are not eligible.
• Dry cleaning plants should have retail outlets and should not do a substantial amount of specialty work such as furs, high-valued rugs; leathers, etc..
• Risks located in protection class 9 or 10 will need underwriter approval.
• Professional liability is available for funeral directors, beauticians and printers.
• Other restrictions may apply; refer to Program Eligibility in the eLibrary for details.
Key Coverages:
Service Plus Endorsement (PB 20 06)Coverage Description Limit of Insurance Deductible
Lock Replacement Expenses $5,000 None
Unauthorized BusinessCard Use
$5,000 Subject to Policy Deductible
Contract Penalty $5,000 $500
Fine Arts Coverage $10,000 per item limit$50,000 per
occurrence limit
$500
Computer Fraud & Funds Transfer Fraud
$10,000 Subject to Policy Deductible
Laptop Computers – Worldwide Coverage
$10,000 $500
Contingent Transit $25,000 $500
Brands and Labels BPP Limit Subject to Policy Deductible
• Printers Errors and Omissions Liability (PB 08 04) This is automatically included when an account qualifies for and is rated in the Printer class. This endorsement adds coverage for claims resulting from the insured’s negligent act, error or omission in providing printing services.
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Process or Service Program
Key Coverages Continued:
• Barber or Beauty Shop Professional Liability (PB 08 01) This is provided for aprofessional error or mistake made by the insured or by others performing work ontheir behalf with respect to Barber or Beauty shop operations.
• Funeral Directors Professional Liability (PB 08 02) Provides protection againstclaims for the rendering of or failing to render services for others in the conduct ofthe insured’s business as a funeral director or mortician.
• Dry Cleaners EXTRA (PB 20 01) Amends the Limits of Insurance Section of theProperty Coverage Form so the Business Personal Property Limit does not applyto the insured’s customers’ personal property while not in process. Sublimits areprovided for loss to customers’ personal property while in the process of cleaning,laundering, pressing, altering, repairing, renovating or other similar processes.Optional sublimits are available.
• Equipment Breakdown (included) Protects against damage caused by powersurges, mechanical breakdown, motor burnout, and boiler damage.
• Extended Business Income The business income period of indemnity maybe extended beyond 60 days for an extra charge. Coverage may be extended inincrements up to 360 days.
Service Coverage ChecklistCoverage Form
Business Income Included
Equipment Breakdown Included
Hired and Non-Owned Auto Coverage
PB 04 04
Employee Dishonesty PB 20 98
Printers Errors and Omissions Liability
PB 08 04
Barber or Beauty Shop Professional Liability
PB 08 01
Funeral Directors Professional Liability
PB 08 02
Dry Cleaners EXTRA PB 20 01
Businessowners Advantage PB 20 99
Service Plus Endorsement PB 20 06
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Process or Service
Premier Businessowners
Retail
33
Retail Program
The Retail program is for small to medium businesses, including owner-occupants, lessors, and tenants that present low to medium premises/operations and low products/completed operations exposures. We are especially interested in those types of businesses shown below.
Classification Listing:Appliance Stores
Aquarium Sales & Supply Stores
Art & Craft Supplies Stores
Auto Parts & Supplies Stores
Bakeries
Barber or Beauty Supplies Stores
Bath Shops
Beer/Wine Stores
Bicycle Shops
Blanket & Bedspread Store
Book & Magazine Stores
Bric-a-Brac or Curio Stores
Camera & Photographic Supplies Stores
Camping Equipment Stores
Candle Shops
Candy, Nut & Confectionery Stores
Card Shops
Carpet Stores
Catalog Sales Stores
Ceramic Stores
Cheese & Sausage Specialty Stores
China & Glass Stores
Clock Shops
Clothing Stores
Coffee, Tea, & Spice Stores
Convenience Stores
Cosmetic & Perfume Stores
Craft Shops
Curtains & Draperies Stores
Dairy Products or Butter & Egg Stores
Department or Discount Stores
Drug Stores
Dry Cleaners & Laundries
Dry Goods
Electric Supplies Stores
Electronics Stores & Cell Phone Stores
Fabric Stores
Feed Stores
Fireplace Equipment Stores
Five & Ten Cent Stores
Floor Covering Stores
Florists
Frame Shops
Frozen Food Stores
Fruit & Vegetable Stores
Furniture Stores
Gasoline Station
Gift Shops
Glass Sales—Window, Plate or Mirror
Glassware Stores
Golf & Tennis Pro Shops
Grocery Stores
Hardware Stores
Hearing Aid Centers or Stores
Hobby Shops
Home Furnishings & Accessories Stores
Jewelry Stores
Kitchen Accessories Stores
Lamp & Lighting Fixtures Stores
Lawn & Garden Supplies Stores
Leather Goods Stores
Luggage Stores
Meal Preparation Stores
Marine Supplies Stores
Meat, Fish, Seafood, or Poultry Stores
Millinery & Trimmings Stores
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Retail Program
Classification Listing Continued:
Music and Video Stores
Musical Instruments Stores
Office Furniture Stores
Office Machines Rentals & Leasing
Office Machines & Equipment
Office Supplies & Stationery Stores
Optical Goods Stores
Paint and Wall Coverings Stores
Paper & Paper Products Stores
Pet & Pet Supplies Stores
Pharmacies
Photographic & Camera Stores
Photographic Equipment Supplies
Piano & Organ Stores
Plumbing Supplies & Fixtures Stores
Pottery Shops
Premium Coupon Redemption Stores
Printing & Book Binding Supplies Stores
Produce Stores
Radio, TV, & Stereo Stores
Record, Compact Disc, and Tape Stores
Religious Goods Stores
Sewing Machines Stores
Shoe Stores
Sporting Goods Stores
Stationery Stores
Strip Malls – Lessor’s Risk
Television Stores
Toy Stores
Trophy Stores
Vacuum Cleaner Sales & Service
Variety Stores
Video Rental Stores
Wig Shops
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Retail Program
Key Underwriting Guidelines:
• Property should occupy less than 25,000 square feet of retail or mercantile space(50,000 square feet for Strip Malls).
• Operations should have less than $5,000,000 in annual gross receipts per location($10,000,000 for Convenience Stores—with Gas Pumps or Gasoline Stations, noRepair).
• Risks may have up to an additional 25,000 square feet of office orhabitational space.
• Risks may include storage facilities in a separate building owned by theinsured which are incidental to an eligible retail risk and do not exceed 25,000square feet.
• Risks involved in off-premises installation, service, and/or repair exposuresshould not have receipts from these operations that exceed 25% of total receipts;they should:
• maintains a reasonable amount of inventory, • operate from a retail location; • not primarily act as a contractor.
• Risks should not be involved with commercial cooking which produces grease-laden vapors.
• Occupancies with a high exposure to business personal property theft must have aUL certified alarm system.
• Operations should not have more than 10% of receipts derived from rental ofpersonal property (with the exception of video rental stores) and should not havemore than 5% of receipts derived from sales of used merchandise.
• Florists should not grow stock for sale by others; employ landscape gardenersor designers; have more than 25% of their sales derived from live plants; operategreenhouses; or care for live plants away from the insured location.
• Other restrictions may apply; refer to Program Eligibility in the eLibrary for details.
Key Coverages: Retail Plus Endorsement (PB 20 07)Coverage Description Limit of Insurance Deductible
Brands & Labels BPP Limit None
Lock Replacement Expenses $5,000 None
Unauthorized BusinessCard Use
$5,000 Subject to Policy Deductible
Contingent Transit $25,000 $500
Contract Penalty $5,000 $500
Laptop Computers – Worldwide Coverage
$10,000 $500
Computer Fraud & Funds Transfer Fraud
$10,000 Subject to Policy Deductible
Pairs or Sets BPP Limit Subject to Policy Deductible
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Retail ProgramKey Coverages Continued:
• Hearing Aid Professional Liability (PB 08 03) Provides coverage for the renderingof or failure to render professional hearing aid services.
• Optical Goods Professional Liability (PB 08 03) Provides coverage for therendering of or failure to render professional optical goods services.
• Pedorthist Professional Liability (PB 42 03) Provides coverage for the rendering ofor failure to render professional pedorthic services.
• Florists Misdelivery (PB 42 01) Provides coverage for florist’s errors and omissions.
• Tenants Property Damage Legal Liability Provides coverage for the insured’s legalliability arising out of building damage caused by one of the Covered Cause of Lossunder the Property Coverage Form.
• Peak Season The BOP will automatically increase the business personal propertylimits by 25% to accommodate seasonal increases in values.
• Glass Coverage This is included in the BOP Special coverage form for tenants required by lease to be responsible for glass. Be sure to include the value of glass in the business personal property limit.
• D & O Optional coverage available for Retail Condominium building owners.
Retail Coverage ChecklistCoverage Form
Glass Included
Peak Season Included
Outdoor Sign Included
Money and Securities Included
Hired and Non-Owned Auto Coverage
PB 04 04
Employee Dishonesty PB 20 98
Hearing Aid Professional PB 08 03
Pedorthist Professional Liability PB 42 03
Florists Misdelivery PB 42 01
Tenants Property Damage Legal Liability
Included
Businessowners Advantage PB 20 99
Retail Plus Endorsement PB 20 07
Premier Businessowners
Wholesale
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Wholesale ProgramThe Wholesale program is for small to medium businesses, including owner-occupants, lessors, and tenants. With our broad appetite, we are willing to write most wholesale businesses on our BOP program. We are especially interested in the businesses listed below.
Classification Listing:
Appliance and Home FurnishingAquarium SuppliesArchitect’s Supplies Art, Craft and Hobby Supplies Audio—Visual EquipmentAutomobile Parts and Supplies Baked Goods Baker’s Supplies Bar Fixtures & SuppliesBarber and Beauty Shop Equipment & Supplies Bath Accessories—not plumbing suppliesBeer and Ale DistributorsBeer Dispensing & Cooling Equipment Beverage Dispensing Supplies Billiard Equipment and Supplies Bolt, Nut & Screws Books and MagazinesBowling Lane Equipment & SuppliesBuilding Materials Candy, Nut and Confectionery Canvas Goods and Supplies Cash Registers and Supplies Ceramic Supplies Church FurnishingsClothing or Wearing ApparelCoffee and TeaCosmetics, Toiletries and PerfumeDairy Products Data Processing Supplies Delicatessen Provisions Dental Equipment and Supplies Display Fixtures and Materials Drafting Room Equipment and Supplies Dry GoodsElectrical Equipment & SuppliesElectronicsEquipment, Fixtures or SuppliesFabric or ClothFenceFireplace Equipment
Floor CoveringsFloristsFrozen FoodsFruits & VegetablesFurnitureGardening & Light Farming SuppliesGlass—Window, Plate, & MirrorHardware Hearing Aid SuppliesHeating and Air Conditioning Equipment Home Improvement Supplies Janitorial Supplies Jewelry Juices and Syrups Kitchen Accessories Lamps and Lighting Fixtures Laundry EquipmentLuggageMarine Supplies Music ,Tape, Compact Disc or RecordsMusical InstrumentsOffice Machines, Equipment and Supplies Optical Goods Paint, Wallpaper and Wall Coverings Paper and Paper ProductsPet Supplies Photographic Equipment and SuppliesPlumbing Supplies and Fixtures Printing and Book Binding Supplies Refrigeration Equipment and SuppliesRestaurant Equipment Rubber and Plastic Stamps Sewing Machines ShoesSporting GoodsStationary Supplies Store FixtureTools—MachineToys
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Wholesale Program
Key Underwriting Guidelines:
• Wholesale risks should not exceed: • 50,000 square feet in total floor area per location. • $2,000,000 in building values per location (if building coverage is provided). • $3,000,000 in business personal property values per location (if Personal Property Coverage is provided). • $8,000,000 per location in annual gross receipts.
• The insured should not distribute goods or products under their own brand or label.
• Risks directly importing products from foreign countries, please refer to yourunderwriter for consideration.
• Occupancies with a high exposure to Business Personal Property theft must have aUL certified alarm system (i.e., electronics).
• Risks should not make more than 25% of their sales to retail customers.
• There should be no armed employees or armed security services.
• Businesses should not be operated from a private residence.
• Risks located in protection class 9 or 10 will need underwriter approval.
• Risks not meeting the above guidelines may be considered for Allied SeriesWholesale Program.
• Other restrictions may apply; refer to Program Eligibility in the eLibrary for details.
Key Coverages:
Wholesale Plus Endorsement (PB 20 08)Coverage Description Limit of Insurance Deductible
Brands and Labels BPP Limit Subject to Policy Deductible
Lock Replacement Expenses $5,000 None
Unauthorized BusinessCard Use
$5,000 Subject to Policy Deductible
Contingent Transit $25,000 $500
Contract Penalty $5,000 $500
Laptop Computers – Worldwide Coverage
$10,000 $500
Computer Fraud & Funds Transfer Fraud
$10,000 Subject to Policy Deductible
Pairs or Sets BPP Limit Subject to Policy Deductible
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Wholesale Program
Key Coverages Continued:
• Business Income—Dependent Properties Coverage Provides Business IncomeCoverage when a supplier or an anchor store the business relies on to operatesuffers a loss of its own, forcing the business to close temporarily until an alternatesupplier is found or they reopen.
• Contingent Transit Coverage (PB 20 08) Coverage is included in the WholesalePlus Endorsement.
• Accounts Receivable Coverage This is in the Businessowners base form and can beincreased by the Advantage Endorsement. It pays the increased costs of collectingaccounts, re-establishing the accounts receivable records and any amountsuncollectible as a result of the destruction of accounts receivable records.
Wholesale Coverage ChecklistCoverage Form
Business Income Included
Business Income with Dependent Properties
Included
Accounts Receivable Included
Peak Season Included
Hired and Non-Owned Auto Coverage
PB 04 04
Utility Services PB 04 56
Spoilage from Power Outage PB 04 15
Contingent Transit Coverage PB 20 08
Businessowners Advantage PB 20 99
Wholesale Plus Endorsement PB 20 08
AlliedTarget Programs
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Allied Church Program
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Allied Church Program
The Allied Church program is for religious organizations whose principal activities involve holding religious services and ceremonies. All denominations may be considered. We are especially interested in churches that meet the basic eligibility and underwriting guidelines described below.
Key Underwriting Guidelines:
• Locations must be utilized principally to hold religious services and ceremonies.
• The church must own and insure its own building. Leased premises are not eligible.
• Locations occupied for the following or similar purposes may be included if writtenin conjunction with the primary church locations: residences for pastors and/orother employees; religious educational facilities (not including church-sponsoredelementary, junior high, middle, senior high, or post-secondary schools); sale ofreligious publications or articles; and church administrative offices.
• The program is not available for the following types of occupancies: health carefacilities; homes for the aged; orphanages; residential properties except theparsonage; commercial or industrial properties; recreational facilitiesopen to the public; religious camps or retreats.
• The program is not available for day-care and/or pre-school facilities operatedeither by the church or outside independent organizations using church facilities.
Key Coverages:
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Commercial Property Plus Endorsement - Churches (CP 7033)Coverage Description Limit of Insurance Deductible
Church Money and Securities Coverage
$5,000 per occurrenceIncreased to $10,000 before, during and after a major holiday
Subject to Policy Deductible
Employee Dishonesty Coverage
$10,000 Subject to Policy Deductible
Parsonage Appurtenant Structures
10% of scheduled parsonage limit
Subject to Policy Deductible
Limited Business Income Coverage
$25,000 Actual Loss Subject to Policy Deductible
Back Up or Overflow Water Damage
$5,000 per building;$25,000 per policy
Subject to Policy Deductible
• Counseling Professional Liability (GA 44 and CG 7001) Optional coverage for church officers, boards of trustees, other governing bodies, and individual clergy.
• Directors and Officers Liability (CG 7018) Optional coverage for church officers, directors, trustees, clergy, or other governing bodies.
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Allied Church Program
Allied Church Program Coverage ChecklistCoverage Form
Money and Securities CR 0304
Parsonage Included if scheduled
Musical Instruments IM 1055
Employee Dishonesty CR 0308
Counseling Professional Liability GA 44; CG 7001
Directors and Officers Liability CG 7018
Hired and Non-Owned Auto CG 7003
Commercial Property Plus Endorsement—Churches
CP 7033
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AlliedTarget Program
Contractors
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Contractors Program
The Allied Contractors program is for small to medium contractors specializing in a particular type of construction work with a limited amount of work done by subcontractors. We are especially interested in those types of contractors described. Many of the classifications shown below have specific limitations and/or restrictions that are more fully explained in the eLibrary. This listing is provided to give you a general idea of the types of contractors in which we are interested.
Classification Listing:
Air Conditioning Systems or Equipment—Installation, servicing, or repair*Appliances & Accessories—Installation, servicing, or repairCeiling or Wall Installation—MetalConcrete Construction—No street or road work*Driveway, Parking Area, Patio, or Sidewalk—Paving or repairing*Drywall or Wallboard Installation*Electrical Work—Within buildingsFence ErectionFurniture or Fixtures—Installation in Offices or Stores—Portable—metal or woodGarage Door Installation—MetalGlass Dealers and Glaziers—Including auto glass workHeating or Combined Heating and Air Conditioning Systems or Equipment*House Furnishings InstallationJanitorial ServicesLandscape GardeningLawn Care ServicesMasonryOffice Machine or Appliances—Installation, inspection, adjustment, or repairPainting—Exterior—Buildings three stories or less in height*Painting—Interior—Buildings or structuresPaperhangingPlumbing—Commercial and industrial*Piano TuningPrefab Building Erection—No concreteRefrigeration Systems or Equipment—Installation, servicing, or repair—commercialSeptic Tank Systems—Cleaning*Sign Painting or Lettering—Inside of buildingsSwimming Pool ServicingTelevision or Radio Installation or RepairTile, Stone, Marble, Mosaic, or Terrazzo work—Contracted (subcontracted work-on all policies)
*Must be discussed with underwriter prior to binding.
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Contractor’s Advantage (IMA 323)Coverage Description Limit of Insurance Deductible
Business Personal Property $10,000 $500
Business Income & Extra Expense Coverage
Actual Loss Sustained $500
Money & Securities Coverage $10,000 $500
Valuable Papers &Records Coverage
$10,000 $500
Accounts Receivable Coverage
$10,000 $500
EDP Coverage $10,000 $500
Employee Dishonesty Coverage
$5,000 $500
Installation Coverage $10,000 $500
Contractor’s Equipment Coverage
$10,000 $500
Debris Removal $5,000 $500
Property in Transit $10,000 $500
Pollutant Clean Up & Removal $10,000 $500
Equipment Leased or Rented from Others
$50,000 $500
Master Key Coverage $5,000 $500
Contractor’s Coverage – Rental Reimbursement
$250 per day;$5,000 max.
$500
Contractors Program
Key Underwriting Guidelines:
• Commercial and Residential Repair Contractors• The cost of subcontracted work should not exceed 25% of total receipts.• 1 year with insurance for that year.• Other restrictions may apply; refer to program eligibility in the manual for details.
Key Coverages:
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Contractor’s Enhancement Endorsement (CG 7288)Coverage Description Limit of Insurance
Additional Insured - When Required in an Agreement or Contract with You
Provides automatic additional insured status for persons or organizations with whom the insured has agreed to add as part of a valid written agreement or contract. This includes:• Lessors of Leased
Equipment • Managers or Lessors of
Premises • State or Political
Subdivision - Permits• Owner/Lessees, or
Contractors
Policy Limits
Aggregate Limit Per Project Policy Aggregate Limit modified to Aggregate Limits Per Project
Policy Limits
Blanket Waiver of Subrogation If required by written contract, insurer waives right to subrogation
Policy Limits
Broadened definition ofBodily Injury
Definition includes mental anguish
Policy Limits
Damage to Premises Rented to You
Extends damage to premises rented to the named insured to include fire, lightning, explosion, smoke or sprinkler leakage damage
$ 300,000 included
Expanded Property Damage Provides property damage coverage to personal property in the insured’s care, custody and control
$5000 subject to a $250 deductible
Contractors Program
Key Coverages Continued:
Increases the following limits provided in the Contractor’s Advantage Endorsement.
Contractor’s Advantage Plus (IMA 324)Coverage Description Limit of Insurance
Installation Floater $25,000
Contractor’s Equipment Coverage
$25,000
Property in Transit $25,000
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Contractors Program
Key Coverages Continued:
Contractor’s Enhancement Endorsement (CG 7288) ContinuedCoverage Description Limit of Insurance
Knowledge of an Occurrence Clarifies named insured’s obligation to notify of an occurrence when specific insured’s have knowledge
Policy Limits
Liberalization Coverage broadened when coverage form broadened without additional premium as approved by state
Limits per coverage form changes
Lost Key Coverage Provides coverage for keys that are lost while in the insured’s care, custody and control
$5,000 occurrence limit
Medical Payments Per Policy Forms $10,000
Newly Formed and Acquired Organizations
Per Policy Forms Increased to 180 days
Non-Owned Watercraft Included for watercraft up to 51 feet
Policy Limits
Supplementary Payments Per Policy Forms Increased to $ 2,500 for Bail Bonds, $500 per day for loss of
earnings
Unintentional Failure to Disclose Hazard
Per Policy Forms Policy Limits
Voluntary Property Damage Provides coverage at the Insured’s request for damage to property of others caused by the insured while in their possession and arising out of their operations
$500
• Contractor’s Enhancement Plus (CG 7323) includes: – All coverages included with the Contractor’s Enhancement Endorsement (CG 7288) – Primary and Non-Contributory for Additional Insureds – Aggregate Limit Per Location – Broad Form Named Insured – Employee Bodily Injury to Another Employee
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Contractors Program
Key Coverages Continued:
• Contractor’s Advantage Form (IMA 323) This is an optional form that is a compilation of valuable Property and Inland Marine Coverages designed to provide the coverages needed by small artisan contractors by insuring their property and equipment exposures under a single policy.
• Expanded Property Damage Endorsement (CG 7035) This is an optional endorsement that provides additional Property Damage Coverage ($5,000 limit) to personal property in the care, custody, or control of the insured and for property damaged as a result of the insured’s operations. Insured must be legally obligated to pay for coverage to apply. Additional increased limits are available.
• Contractor’s Advantage Plus Form (IMA 324) This is for contractors who need higher limits for their Installation and Contractor’s Equipment exposures.
Allied Contractor’s Coverage ChecklistCoverage Form
Installation Coverage IMA 323; IMA 324
Contractor’s Equipment Coverage
IMA 323; IMA 324
Expanded Property Damage CG 7035
Business Income & Extra Expense Coverage
IMA 323
Property in Transit IMA 323
Contractor’s Advantage IMA 323
Contractor’s Advantage Plus IMA 324
Contractor’s Enhancement Endorsement or Enhancement Plus
CG 7288 or CG 7323
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AlliedTarget Program
Printers
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Printers Program
The Allied Printers program for commercial printers is designed for the third party printer and provides flexible, comprehensive coverage at a reasonable cost. Major printing processes are letterpress, lithography, gravure, and flexography. Offset printing contains the largest share of the printing industry’s dollar volume. Lithographic, or offset, printing has gradually replaced letterpress and is now the most widely used printing process.
Key Underwriting Guidelines:
• Coverage may be provided only for those commercial printers doing printing jobsfor third parties.
• The program is not available for publishers and newspaper and/or “shopper”publishers.
• The program is not available for printers with annual gross sales exceeding$10,000,000.
• Proper and frequent disposal of waste in approved containers is highly desirable.Flammable liquids should be stored in approved safety cans, and residues shouldnot be dumped into normal drains or sewers.
• Housekeeping and general maintenance should be average or better, especiallyin any paper storage or binding areas of the plant. The general public, includingcustomers, should not have access to any work areas.
• There should be adequate ventilation, particularly at floor level, to prevent thecollection of vapors. Ventilation ducts should be cleaned regularly.
• All equipment should be bonded and grounded, and presses should be equippedwith static eliminators.
• Adequate quality control of printed material is of extreme importance. Productiondocuments should be kept up to date.
• Customers should proofread and approve material prior to final printing. Thecustomer contract should include a hold harmless agreement, if at all possible.
• If the insured subcontracts any printing jobs, the insured should require thesubcontractor to carry adequate insurance, including errors and omissions liabilitycoverage.
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Commercial Property Protection Plus – Printers (CP 7027)Coverage Description Limit of Insurance Deductible
Preservation of Property Cost 45 days n/a
Newly Acquired or Constructed Real Property
$1,000,000 Subject to Policy Deductible
Valuable Papers and Records $25,000 Subject to Policy Deductible
Property Off Premises $25,000 Subject to Policy Deductible
Outdoor Property $10,000 Subject to Policy Deductible
Personal Effects $15,000 Subject to Policy Deductible
Property of Others $10,000 Subject to Policy Deductible
Increased Cost of Construction $25,000 Subject to Policy Deductible
Fire Dept. Service Charge $5,000 Subject to Policy Deductible
Business Income $25,000 Subject to Policy Deductible
Extra Expense $25,000 Subject to Policy Deductible
Accounts Receivable $25,000 per location Subject to Policy Deductible
Money and Securities $5,000 Subject to Policy Deductible
Fire Extinguisher Recharge $10,000 Subject to Policy Deductible
Property In Transit $25,000 Subject to Policy Deductible
Back Up of Sewer orDrain Water
$5,000 per building; $25,000 aggregate
Subject to Policy Deductible
Employee Dishonesty $10,000 Subject to Policy Deductible
Spoilage of Perishable Goods $5,000 per occurrence; $10,000 aggregate
Subject to Policy Deductible
Arson Reward $5,000 Subject to Policy Deductible
Damaged Master Key $5,000 Subject to Policy Deductible
Premises boundary increased 1,000 feet Subject to Policy Deductible
Printers Program
Key Coverages:
• Printers Errors and Omissions (GA 46 and CG 7001) Optional coverage thatprovides E&O Coverage which the insured becomes legally obligated to pay asdamages because of any negligent act, error, or omission.
• Bailees Customers Goods (CP 7027) Coverage is included within the PropertyProtection Plus Endorsement with options in the Gold and Platinum PlusEndorsements to increase coverage. Protects the property that customers leavein the business’ care for cleaning, storage or work.
• Transportation Coverage (CP 7027) Coverage is included within the PropertyProtection Plus Endorsement with options in the Gold and Platinum PlusEndorsements to increase coverage. Provides protection for personal propertywhile it is off the insured’s premises.
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Allied Printers Coverage ChecklistCoverage Form
Business Income CP 7027
Bailees Customers Goods CP 7027
Accounts Receivable CP 7027
Tenants Property Damage Legal Liability
Included
Hired and Non-Owned Auto Coverage
CG 7003
Transportation Coverage CP 7027
Valuable Papers CP 7027
Property Protection Plus CP 7027
Printers Errors or Omissions GA 46; CG 7001
Printers Program
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Wholesalers & Distributors
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Wholesalers and Distributors Program
The Allied Wholesalers & Distributors program is for businesses selling products mainly for resale by other businesses or for business use, as opposed to a manufacturer selling directly to the household consumer.
Classification Listing:
Air Conditioning Systems or Equipment
Appliances—Household Type
Automobile Parts & Supplies
Barber or Beauty Shop Supplies
Beverages—Non-alcoholic & Beers
Clothing or Wearing Apparel
Electrical Equipment
Equipment, Fixtures or Supplies
Fabrics—New Goods or Textiles Printers
Floor Coverings
Frozen Foods
Fruits or Vegetables Groceries
Hardware & Tools
Heating and/or A/C Systems or Equipment
Ice
Janitorial Supplies
Office Equipment, Fixtures or Supplies
Office Machines or Appliances
Paper Products
Plastic or Rubber Goods
Printers or Electrotypers Supplies
Sporting Goods
Yard & Garden Equipment
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Wholesalers and Distributors Program
Key Underwriting Guidelines:
• Wholesalers and distributors are eligible for this program if they meet the followingdefinitions: A “wholesaler” is a business selling merchandise for resale tomanufacturers, builders, contractors, or others for use in their business, or as rawmaterials. A “distributor” is a merchant or intermediary who sells products mainlyfor resale or business use and who sells chiefly to dealers or stores, othermerchants, industrial, institutional, and commercial users.
• Smaller wholesalers and distributors that do not meet the limits and receiptsguidelines may qualify for our premier businessowners wholesalers program.
• Total floor area must be greater than 50,000 square feet.
• Do not use basement areas not open to the public in computing floor areas forbuildings or personal property.
• Building values must be greater than $2,000,000, if building coverage is provided.
• Business Personal Property must be greater than $3,000,000 or annual grossreceipts must be greater than $8,000,000.
• Risks should not derive more than 10% of gross annual sales from the installation,service, or repair of any product sold by the risk or from the sale of products to anultimate household consumer.
• Risks should not do any manufacturing, processing, repackaging, modifying, etc. ofproducts sold under their own label or the label of others. (For example, bottling,icemaking, meat cutting, etc.)
• Risks should not derive more than 25% of its gross annual sales from the saleof foreign manufactured products and should not sell products as the sole U.S. distributor for a foreign entity.
• Risks should not operate primarily as a broker, manufacturers’ rep, warehouser,freight forwarder, haul-for-hire trucker, telemarketer, etc.
• Other restrictions may apply; refer to Program Eligibility in the eLibrary for details.
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Wholesalers and Distributors Program
Key Coverages:
Commercial Property Protection Plus—Wholesalers (CP 7069)Coverage Description Limit of Insurance Deductible
Premises Boundary Increased 1,000 feet n/a
Preservation of Property Cost 45 days n/a
Newly Acquired or Constructed Real Property
$1,000,000 real property and $500,000 personal property
Subject to Policy Deductible
Valuable Papers and Records $25,000 Subject to Policy Deductible
Electronic Data $10,000 Subject to Policy Deductible
Property Off Premises $25,000 Subject to Policy Deductible
Outdoor Property $10,000 Subject to Policy Deductible
Personal Effects $15,000 Subject to Policy Deductible
Property of Others $10,000 Subject to Policy Deductible
Increased Cost of Construction $25,000 or 10% Subject to Policy Deductible
Fire Department Service Charge
$5,000 Subject to Policy Deductible
Business Income $25,000 Subject to Policy Deductible
Extra Expense $25,000 Subject to Policy Deductible
Accounts Receivable $50,000 per location Subject to Policy Deductible
Money and Securities $10,000 Subject to Policy Deductible
Fire Extinguisher Recharge $10,000 Subject to Policy Deductible
Property In Transit $25,000 Subject to Policy Deductible
Back up of Sewer or Drain Water
$5,000 per occurrence; $25,000 aggregate
Subject to Policy Deductible
Employee Dishonesty $10,000 Subject to Policy Deductible
Spoilage of Perishable Goods $5,000 per occurrence; $10,000 aggregate
Subject to Policy Deductible
Arson Reward $5,000 Subject to Policy Deductible
Damaged Master Key $5,000 Subject to Policy Deductible
Forgery or Alteration $5,000 Subject to Policy Deductible
Salesperson Samples $10,000 Subject to Policy Deductible
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Wholesalers and Distributors Program
Key Coverages Continued:
• Commercial Property Protection Plus—Wholesalers (CP 7069) An optionalcoverage that provides special coverages and limits.
• Transportation Coverage (CP 7069) This is included within the Property ProtectionPlus—Wholesalers Endorsement. It provides protection for personal property whileit is off the insured’s premises.
• Accounts Receivable (CP 7069) This coverage pays the increased costs ofcollecting accounts, re-establishing the accounts receivable records and anyamounts uncollectible as a result of the destruction of accounts receivable records.
• Spoilage of Perishable Goods (CP 7069) This coverage is included within theProperty Protection Plus Endorsement. It provides reimbursement for the lostperishables in the refrigeration units if they break down or the power goes out.
Allied Wholesalers and DistributorsCoverage Checklist
Coverage Form
Business Income CP 7069
Accounts Receivable CP 7069
Money and Securities CP 7069
Hired and Non-Owned Auto Coverage
CG 7003
Utility Services CP 7132
Spoilage of Perishable Goods CP 7069
Transit Coverage CP 7069
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Commercial Automobile
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Commercial Automobile Policy
The commercial auto policy is designed to comprehensively cover your commercial clients. It can be written with other commercial policies or it can be written on a monoline basis. Please contact your Commercial Underwriter or refer to the Allied Agent Center for eligibility and acceptability for your customer’s business auto needs.
Here are some of the coverages available:
Coverage Options:
• Liability• Medical payments• Uninsured/Underinsured Motorist• Comprehensive• Collision• Hired Auto• Hired Physical Damage• Non-Owned Auto• Drive Other Car• Rental Reimbursement• Audio, Visual and Electronic Data Equipment• Auto Loan or Lease Gap Coverage• Business Auto Advantage Endorsement
Key Coverages:
Business Auto Extension Endorsement AC0102—automatically included at no charge:• Blanket Additional Insured• Accidental Airbag Discharge Coverage• Glass Repair—Waiver of Deductible • Notice of Occurrence• Unintentional Failure to Disclose Hazards• Autos Hired Or Rented By Employees • Emergency Lockout—Private Passenger Vehicles • Adds coverages for which no premium charge is made. Examples include:• Symbol 7 to include newly acquired vehicles for 30 days• Trailers are automatically covered for Liability • Coverage for Auto Advertising Wrap
Business Auto Advantage Endorsement AC0101A:• Newly Acquired or Formed Entities • Temporary substitute—Physical damage • Employees As Insureds—Non-Owned Autos • Supplementary Payments—Bail Bonds—Limit is $2,500• Supplementary Payments—Loss Of Earnings—Limit per day $500• Fellow Employee—Officers, Managers and Supervisors • Personal Effects and Property of Others—Includes $500 property of insured and
$250 personal property of others
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Commercial Automobile Policy
Business Auto Advantage Endorsement AC0101A Continued:• Hired Auto Physical Damage—Including loss of use• Expanded Towing Coverage • $100 coverage for private passenger • $250 coverage for other vehicles• Rental Reimbursement Coverage—$75 per day for 30 days • Expanded Transportation Expense—stolen vehicles—$50 per day up to $1,000 limit• Extra Expense—Stolen Autos—Coverage for up to $5,000 for the expense ofreturning a covered “stolen auto” to you
• New Vehicle Replacement Cost—Applies to private passenger vehicles and othervehicles with a gross vehicle weight of 20,000 pounds or less which are less than365 days old, for a total loss.
• Blanket Waiver of Subrogation—Coverage for waivers of subrogation which arerequired by a written contract
• Auto Loan or Lease Coverage—This provision has been revised to remove the reference to the application of a deductible
Larger Fleets?
Specialized Program• 20 Power Units or more• Low to Medium Hazard Grade• 3 year loss ratio of 40% or less• Strong financials, ownership experience, MVR
verifications and vehicle maintenance program
Contact your underwriter.
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Allied:Other Lines of Business
Commercial Package—Property & General LiabilityOur company has a broad appetite for commercial business which is why we offer a Comprehensive Package Policy in addition to our Premier Businessowners Policy and Allied Target Programs. Our Package has a broad selection of classes, discounted pricing tools and the ability to tailor coverage to each unique business. You can build a customized policy from scratch using a combination of ISO coverage forms and endorsements and expand the coverage by adding our Plus endorsements and other endorsements offered only by Allied Insurance.
Risk Selection:
You, our agents, play a major role in the underwriting process. We rely on you to provide much of the information needed in risk selection and pricing. We appreciate your suggestions to our underwriters. Often your personal knowledge of theinsured and the operations is more important than all other information we are able to develop. We base selection and pricing on individual risk characteristics.
The following basic points are among those considered:
• Location: suitability for operations
• Exposures: hazards presented by surrounding property
• Construction: appropriateness for operations; possible contribution of buildingmaterial or design to loss
• Occupancy: hazards; susceptibility to damage
• Protection: public or private efforts taken to prevent or reduce loss
• Management: experience, capability, cooperation
• Maintenance: care taken to preserve property
• Housekeeping: efforts to keep premises clean, orderly and free of unnecessaryhazards
• Business Potential: probability of success sufficient that continuation of operationsis desirable and affordable
• Loss Experience: frequency, cause and severity of claims; action taken wherepossible to prevent recurrence.
• Rates: adequacy of premium possible within our filings
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Commercial Property
Valuation:
We require all buildings to be insured to the proper value.
• Actual Cash Value: The amount it would cost to repair or replace covered property, at the time of loss or damage, with material of like kind and quality, subject to adeduction for deterioration, depreciation and obsolescence.
• Replacement Cost Coverage: Current rules in most states permit writingReplacement Cost Coverage on buildings and most contents. We are willing toprovide Replacement Cost Coverage on most accounts so long as the amounts ofinsurance are sufficient to approximate replacement cost and the property insuredhas use value.
• Agreed Amount: Current rules in most states permit use of the Agreed AmountEndorsement. We are willing to provide coverage on this basis if amounts ofinsurance equal replacement cost. Please refer to underwriting.
Coverage Enhancements:
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Commercial Property Protection
Coverage DescriptionProperty
Protection Plus
GoldProtection
Plus
Platinum Protection
Plus
Accounts Receivable $25,000 $50,000 $150,000 BLKT*
Back Up of Sewers or Drains $5,000/$25,000
$25,000 $100,000
Brands & Labels Not Included $25,000 $50,000
Business IncomeExtra Expense Only
$25,000 $50,000 $100,000
Business Income & Extra Expense Dependent Prop (Limited)
Not Included $25,000 $50,000
Business Incomewithout Extra Expense
$25,000 $50,000 $100,000
Claim Data ExpenseIncluding Inventories & Appraisals
Not Included Not Included $10,000
Computer – Data & Media $10,000 $25,000 $150,000 BLKT*
Computer – Hardware Not Included $25,000 $150,000 BLKT*
Computer – Laptop/Off Premises Not Included Not Included $5,000
Consequential Loss – Pairs & Sets Not Included Not Included $10,000
Covered Property Territory 1,000 feet 1,000 feet 1,000 feet
Credit Card Invoices Not Included $1,000 $5,000
Debris Removal $25,000 $25,000 $150,000 BLKT*
*These limits are all included in the $150,000 blanket total limit.
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Commercial Property
Coverage Enhancements Continued:
Commercial Property Protection
Coverage DescriptionProperty
Protection Plus
GoldProtection
Plus
Platinum Protection
Plus
Employee Dishonesty $10,000 $10,000 $25,000
Fine Arts Not Included $25,000 $50,000
Fire Dept. Service Charge $5,000 $10,000 $25,000
Fire ExtinguisherRecharge Expense
$10,000 $25,000 $50,000
Forgery & Alteration $5,000 $10,000 $25,000
Foundation Not Included $25,000 Included in building limit
Key and Lock Replacement $5,000 $5,000 $5,000
Money & Securities On & Off Premises
$5,000/$5,000
$10,000 $25,000
Newly Acquired or Constructed Property (Personal Property)
$500,000 $500,000 $500,000
Newly Acquired or Constructed Property (Building)
$1,000,000 $1,000,000 $1,000,000
Ordinance or Law – A Not Included $50,000 Included in building limit
Ordinance or Law – B&C Not Included $25,000 $150,000 BLKT*
Outdoor Radio & TV Antennas $10,000 $10,000 $25,000
Outdoor Trees, Shrubs or Plants $500 item/ $10,000
$500 item/ $25,000
$1,000 item/ $50,000
Personal Effects $15,000 $25,000 $150,000BLKT*
Personal Property Off Premises(Unscheduled locations)
$25,000 $25,000 $50,000
Pollutant Clean Up & Removal $10,000 $15,000 $25,000
Property in Transit $25,000 $25,000 $50,000
Property of Others $10,000 $25,000 $150,000BLKT*
Reward – Arson or Theft $5,000 $5,000 $10,000
Sales Samples $10,000 $10,000 $25,000
Signs – Outdoor $5,000 $10,000 $25,000
Temp Change / Spoilage $5,000 occ/$10,000
$10,000 occ/
$25,000
$25000 occ/
$50,000
*These limits are all included in the $150,000 blanket total limit.
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Commercial Property
Coverage Enhancements Continued:
The Property Protection Plus Endorsements are optional coverage endorsements that provides a wide variety of broadened property coverages and includes several additional coverages. There are three levels available:
• Commercial Property Protection Plus (CP 7027)
• Commercial Property Gold Protection Plus (CP 7032)
• Commercial Property Platinum Protection Plus (CP 7133)
• Additional Property Enhancement Forms:
— Brewery Gold Protection Plus (CP 7163)
— Brewery Platinum Protection Plus (CP 7164)
— Hotel Gold Protection Plus (CP 7172)
— Hotel Platinum Protection Plus (CP 7173)
— Manufacturers Gold Protection Plus (CP 7168)
— Manufacturers Platinum Protection Plus (CP 7169)
— Restaurant Gold Protection Plus (CP 7175)
— Restaurant Platinum Protection Plus (CP 7176)
— Wholesalers Gold Protection Plus (CP 7186)
— Wholesalers Platinum Protection Plus (CP 7187)
— Winery Endorsement (CP 7157)
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Commercial Property Protection
Coverage DescriptionProperty
Protection Plus
GoldProtection
Plus
Platinum Protection
Plus
Tenant’s Building Glass Liability Not Included Included in BPP Limit
Included in BPP Limit
Utility Services – Direct Damage Not Included $25,000 $50,000
Utility Services – Time Element Not Included $25,000 $50,000
Valuable Papers $25,000 $50,000 $150,000BLKT*
Valuable Papers including Cost of Research
Not Included $50,000 $150,000BLKT*
*These limits are all included in the $150,000 blanket total limit.
Larger Properties?
Please contact your underwriter for specialized program.
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General Liability Enhancement Endorsement (CG 7212)Coverage Description Limits Provided
Non-Owned Watercraft Included for watercraft up to 51 feet
Policy Limits
Property Damage for Borrowed Equipment and Customer Goods
Subject to $500 Deductible Coverage is excess
$10,000
Fire Legal Extends damage to premises rented to the named insured to include fire, lightning, explosion, smoke or sprinkler leakage damage
$300,000 included
Supplementary Payments Per Policy Forms Increased to $2,500 for Bail Bonds, $500 per day for loss of earnings
Unintentional Failure to Disclose Hazard
Per Policy Forms Policy Limits
Newly Formed and Acquired Organizations
Per Policy Forms Increased to 180 days
Aggregate Limit Per Location
Policy Aggregate Limit modified to Aggregate Limits per location
Policy Limits
Medical Payments Per Policy Forms $10,000
Additional Insured Status When required by a written contract or agreement:• Co-owner of insured premises• Controlling interest• Grantor of franchise or license• Lessors of Leased Equipment• Mortgagee, Assignee or Receiver• Owners or other interest from who land has been leased• State or political subdivision• Vendors
Policy Limits
Knowledge of an Occurrence
Clarifies named insured’s obligation to notify of an occurrence when specific insured’s have knowledge
Policy Limits
General Liability
Key Coverages:
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General Liability Enhancement Endorsement (CG 7212) ContinuedCoverage Description Limits Provided
Blanket waiver of subrogation
If required by written contract, insurer waives right of subrogation
Policy Limits
Liberalization Coverage broadened when coverage form broadened without additional premium as approved by state
Limits per coverage form changes
Broadened definition of Bodily Injury
Definition includes mental anguish
Policy Limits
General Liability
Key Coverages Continued:
Allied is a subscriber to the Insurance Services Office, Inc. (ISO) rules, loss costs and forms for Commercial General Liability business. Refer to the ISO Commercial Lines Manual Classification table and Division Six—General Liability section of the manual. With the Liability Coverage, we also offer many optional coverage options. Please contact your underwriter for eligibility.
• Employee Benefits Liability (CG 0435)
• Employment Practices Liability (CG 7181)
• Expanded Property Damage (CG 7035)
• Hired and Non-Owned Auto (CG 7003)
• Garagekeepers Coverage (11223)
• General Liability Enhancement Endorsement (CG 7212) Coverage is not available for contractors.
• Various Additional Insured Forms Please explain insurable interest of the additional insured so the correct form can be selected for your insured.
• Contractors Enhancement Endorsement (CG 7288) or Contractor’s Enhancement Plus Endorsement (CG 7323)
• Self Storage Broadening Endorsement (CG7265)
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Allied:Other Lines of Business
UmbrellaCommercial Umbrella LiabilityThe Commercial Umbrella Liability program provides coverage extending over and above the liability limits on underlying policies. Allied Insurance does write a true Umbrella form which will provide some additional coverage along with the excess limits. Allied generally requires that all underlying coverages be written by us if a Commercial Umbrella is requested.
Note: Only follow-form excess coverage is available for contractors.
Allied:Value Added Programs and Services
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Allied:Value Added Programsand Services
Loss ControlWhat is Loss Control?
Loss control is the process of identifying potential hazards in a business and taking steps to reduce their threat.
What can you expect?
Our safety experts have the technical diversity needed to work with a variety of business types to develop quality loss control programs. And, they are accessible throughout the country to help policyholders operate a safe and productive business. Some of the services and resources we offer include:
Loss Control Services:• Loss Evaluation• On-Site Consultation • Self-assistance and preventative maintenance programs• Disaster Planning and Recovery • Customer Services, Seminars and Training:
Tailored to customers’ specific needs, we provide topics onsite or offsite. Some of the topics include:• OSHA Compliance • Fleet Safety• Employee and Supervisory Training• Policy/Program Development and Implementation Assistance
Loss Control Resources: • Online Safety Training (Driver Safety, Health & Wellness, OSHA, etc.)• Sample Employee Safety Programs• Sample Driver Safety Programs• Spanish Resources (Online Safety Training, Videos, Resource Handouts and Poster) • Safety-Related Brochures and Posters• Self Audit Forms and Checklists• Discounted Driver Observation Reporting Program (Driver’s Alert)• Discounted Employee Criminal and General Background Checks (Intellicorp)• Discounted Safety Equipment, Supplies and Clothing (Cintas)
For more information visit:www.alliedinsurance.com/allied/web/business/loss-control.jsp
Contact your commercial underwriter to discuss how Loss Control can make a difference to your insureds.
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Allied:Value Added Programsand Services
BondsAllied Bonds Program
Allied offers a full line of contract, commercial surety, and fidelity bonds to meet the bond requirements of many types of businesses, including small to medium sized contractors. A bond is a three party agreement where the surety (i.e. Allied) guarantees to the obligee that a principal will faithfully perform and complete an obligation.
The listing shown below is provided to give a general idea of the types of businesses in which we are interested. Many of the classifications have specific limitations and/or restrictions that are more fully explained when talking with a bond underwriter.
Bonds:
Agricultural: • Grain Dealers
• Grain Warehouses
• Livestock Dealers
• Packers & Stockyards
Auctioneers
Cleaning Services
Construction: • Carpentry
• Electrical
• General Building Contractors
• Landscaping
• Masonry, Stonework, and Plastering
• Nonresidential Building Construction
• Painting – Interior & Exterior
• Plumbing, Heating, and Air Conditioning
• Roofing, Siding, and Sheet Metal
• Street, Sidewalk, and Highway Construction
• Water, Sewer, and Utility Lines
County, City, and State Public Employees: • Board Members
• Clerks
• Sheriffs
• Treasurers
Court Bonds • Appeal
• Replevin
• Attachment
• Injunction
Fuel Tax BondsHome Health Care Providers
Motor Vehicle Dealers
Notary Publics
Probate Bonds • Guardian / Conservator
• Executor
401K Plans
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Basic Bond Underwriting Guidelines
Contract Bid, Performance, and Payment Bonds:• Contractors should be small to medium sized, generally $5,000,000 and under for
a single job• Contractors should have good credit; solid, verifiable net worth (personal and
business); and good references• Contractors should have experience in job size, scope, and territory• Contractors should have three most recent year-end business financial statements • Contractors must have current personal financial statement on each owner/officer• Personal financial strength is considered• CPA prepared financial statements are preferred but not always required• Minimum amounts of working capital are not required
Commercial Surety Bonds:• Commercial bonds cover obligations typically required by law or regulation• Commercial bonds include License & Permit, Court, Probate, Public Official, Notary,
Federal and Miscellaneous bonds• Underwriting guidelines vary greatly and are more fully explained when talking
with a bond underwriter• Many of the commercial bonds are underwritten freely on the BAS
Fidelity Bonds:• Fidelity bonds include Standard Employee Dishonesty, Business Services (i.e.,
Janitorial), and ERISA
• $100,000 maximum limit on Standard Employee Dishonesty • $25,000 maximum limit on Business Services/Janitorial • $500,000 maximum limit on ERISA• Controls should be present in areas where theft can occur• There should be no history of theft• Premiums based on number of rateable employees, controls, and business class• Amount of ERISA Coverage must equal at least 10% of planned funds• ERISA and Business Services Bonds are available on the BAS
Bond Automation System (BAS)The Bond Automation System (BAS), located on the Agent Center, allows you to purchase many of your commercial surety & fidelity bonds online for your customers. BAS is easy to use and allows you to issue bonds quickly and efficiently. Because bonds are stored electronically, you can print your bonds and Powers-of-Attorney right from your office.
BAS can be found in Agent Center: Agent Center > Login Screen > New Business > Bonds > Commercial Bonds
Contact Us:All contract, commercial surety, and fidelity bonds are handled by the Bond dept.PCRO Phone: 800-822-3666Contract Bond Fax: 877-870-3666Commercial Bond Fax: 866-508-4102Other restrictions may apply; contact a bond underwriter for additional information.
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Allied:Value Added Programsand Services
Allied General Agency (AGA) What is AGA?
Allied General Agency, a full service surplus lines facility, successfully writes a broad range of business classes, including but not limited to those listed below. Not all programs are available in all states. Availability of markets is subject to change.
Classes of business with (ACORD) shown require only ACORD applications. Applications/Questionnaires are available for those classes of business in bold. To obtain an Application/Questionnaire, please visit the Allied Agent Center at aac3.alliedinsurance.com
Classes:Accountants E & OApartmentsAsbestos, Mold and Lead Abatement ContractorsBeauty and Barber ShopsBed and BreakfastBuilders Risk Communications LiabilityConfinement Operations (Property)ContractorsContractors Equipment Crop Sprayers Dance Studios (ACORD)Daycare/PreschoolsDemolition ContractorsDirectors and Officers (Non-profit and Profit) Driveways/Parking LotsEmployment Practices LiabilityEquine/Horse Related OperationsEquipment Breakdown (ACORD)Errors and Omissions/Misc. ProfessionalExcess Liability (ACORD)FarmHaunted HousesHealth/Exercise ClubsHomeowners/Condo AssociationHomeowners – High ValueHunting Clubs
Inland Marine (ACORD)Insurance Agents E & OJanitorial Contractors Landscape/Lawncare Contractors Machine and Equipment Repair (ACORD)Martial Arts Studios Mobile Homes, Parks and CampgroundsMortgage Brokers E & OMotelOilfield and Gas OperationsPest ControlPollution/EnvironmentalPublic Officials Liability Product LiabilityReal Estate Agents E & ORestaurants/Bars/CateringSecurity Guards Software DesignSnow Removal ContractorsStrip Malls (ACORD)Special EventsTanning Beds Tree Trimmers (ACORD)Umbrella (ACORD)Vacant Properties Vendor Liability (ACORD)Welders
Things to know when doing business with AGA: • Your agency must have an active agency agreement on file prior to placingbusiness with AGA.
• In most cases, AGA can bind your risk without a down payment. Paymentrequirements will be specified on the quote and/or binder
• Premium payments should be from an agency check. • Please feel free to contact AGA at 888-364-3434 or e-mail at [email protected] with any questions.
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Allied:Value Added Programsand Services
ClaimsThe true test of an insurance company is in how quickly and fairly claims are settled. That’s why your customers can count on fast, friendly service from knowledgeable representatives in Allied’s Claims Call Center—24/7, 365 days a year.
New Claims Reporting:Phone: 800-421-3535 (24/7)Fax: 800-554-2899 or mail to:Allied InsuranceOne Nationwide Gateway, Dept. 5575Des Moines, IA 50391-5575
All Other Claim Inquiries:Fax: 800-742-1339or mail to:Allied Insurance PCRO ClaimsOne Nationwide Gateway, Dept. 5575Des Moines, IA 50391-5575
Allied Value Added Claims Services:• Blue Ribbon Repair Shop Program• Vehicle Rental Assistance• Towing and Temporary Repairs• Glass replacement program with Safelite Solutions• Emergency Clean-up Service• Paintless Dent Repair
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Allied:Value Added Programsand Services
Payment PlansAgency Bill Payment Address:Allied Insurance 1100 Locust StreetDepartment 2025 Des Moines, IA 50391-2025
For Insured Payments including Overnight or Fed Ex Payments:Allied InsuranceOne Nationwide GatewayDepartment 2070Des Moines, IA 50391-2070
Late Payments:Arrangements must be made with an underwriter for the acceptance of late money for policies in cancellation prior to forwarding the payment.
Billing Options:• Direct Billed: billed directly to the insured• FlexCheck: Automatic withdrawal from the insured’s checking account.• Credit Cards: Available for down payments or monthly installment payments. Visa,Mastercard, American Express, and bank debit cards. Call 866-322-3214
• EZ Check: A one time bank account deduction. Call 866-322-3214
Payment Plan Options:Option 1: 9-pay; 25% downOption 2: 12-pay; 2 months down
Have Questions?Flex Billing: Call 866-322-3214Accounting (for agency bill statement questions): Call 800-532-1436 ext. 5814 Agent Help: (billing option) Call 888-667-3866
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Agent Center Log On It’s as simple as logging on to the Allied Agent Center:aac3.alliedinsurance.com
User ID: _____________________________
Password: ___________________________
Online Tools:• Applications & Forms• Quoting & Submission• Inquiry System• Underwriting Guidelines• Online forms
eLibrary NavigationAgent Center > Login Screen > Agent Resources > eLibrary
Questions?Contact the Agent Center Help DeskAgent Center Phone: 888-667-3866If you need assistance with quoting, downloading, User IDs, password reset, or other Agent Center questions.
Hours of Operation: 5 am - 9 pm, CST, Monday - Friday; 8 am - 5 pm, CST, Saturday
Email Comments to: [email protected]
Looking for customizable marketing materials? Allied offers a wide range of brochures, postcards, eBrochures and toolkits to help you prospect and sell commercial. Check out the Marketing Storefront, www.alliedstorefront.com, and use keyword “commercial”.
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Allied PCRO ContactsAgent Center: aac3.alliedinsurance.com
Allied Insurance: alliedinsurance.com
For Your Clients: View and pay policy at alliedinsurance.com
Applications: [email protected]
Amendment Requests: [email protected]
Regional Office Mailing Address: Allied Insurance PCRO Regional Office 2251 Harvard Street, Suite 200 Sacramento, CA 95815
Regional Office: 800-552-2437
Commercial Lines Fax: 877-807-9528
Billing/Policy, Questions–or-Credit, Card Payments: 866-322-3214
Allied General Agency: 888-364-3434
Allied General Agency Fax: 866-433-4331
Report a Claim: 800-421-3535
Bond Department: 800-822-3666
Agent Center Help Desk: 888-667-3866
For Suggestions: Alliedlistens.com
Notes:
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Underwritten by Nationwide Mutual Insurance Company, AMCO Insurance Company, Allied Property & Casualty Insurance Company, Depositors Insurance Company, Nationwide Insurance Company of America, Nationwide Affinity Insurance Company of America, Nationwide Property and Casualty Insurance Company, Nationwide Mutual Fire Insurance Company, and Nationwide Agribusiness Insurance Company, 1100 Locust Street, Des Moines, Iowa 50391-2000. Customers will be placed with one of the above companies based on your location and product requested. Products and discounts not available to all persons in all states and products are subject to deductibles, exclusions, and conditions. Nationwide, the Nationwide framemark, and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company. © 2013 Nationwide Mutual Insurance Company. All rights reserved.
CMO-0226M1 (05/13)
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