foremost insurance group presents - atlas insurance brokers
TRANSCRIPT
FOREMOST INSURANCE GROUP
PRESENTS
WHAT’S HOT FOR
ATLAS INSURANCE BROKERS LLC
Terry L. Quinn, CIC
Foremost Insurance Company
Founded June 12, 1952
• Specializing in
Manufactured Housing Insurance
• Home Office: Grand Rapids, Michigan
• Part of the Zurich Group - 2000
Products (Niches)
Manufactured Housing
Travel Trailers
Motor Homes
Specialty Dwellings
Motorcycles
Off-Road Vehicles
Family Boater’s
Personal Watercraft
Non Standard Auto
COMMISSIONS
ALL SPECIALTY PRODUCTS!!
15% New & 12.5% Renewal
AUTO
12% New & 10% Renewal
Profit Sharing!!
How to do Business
ForemostStar.com
1-800-528-5995
Service Point
1-800-527-3905
Online Business Management = Policy Download
Agency Sweep = Bridge Quoting
June 28, 2012 FOREMOST INSURANCE 7
MINNESOTA Total Units In State
92,012
WISCONSIN
1
Manufactured Housing
• Primary Residence
• Secondary Residence
• Park Model
• Rental
• Tenant
U/W RULES--REPLACEMENT
COST
2. MINIMUM
REPLACEMENT VALUE =
$25,000
SINGLE SECTION 18 FEET
OR LESS
U/W RULES--REPLACEMENT
COST
2. MINIMUM REPLACEMENT
VALUE = $40,000
MULTI SECTION GREATER THAN
18 FEET
Manufactured Housing
• Better coverage than your
Homeowners Form 3 Policy
• No Age Limit
• Replacement Cost coverage on
homes >25K single >40K multi
• Agreed Loss coverage
on other homes
Manufactured Housing
• Open Peril on Personal Property
• Golf Carts covered
• Animal Damage covered
• Computers covered
• Satellite Dished Covered
13
ANIMAL STORIES DAMAGE BY ANIMALS NOT EXCLUDED
CLAIMS PAID
– INSURED STATES THAT
SHE HEARD LARGE
ANIMALS UNDER HER
HOME & ANIMALS IN
HER WALLS. WEEK
LATER HOME WAS
CONSUMED BY ODOR
OF DEAD ANIMALS
($3649)
June 28, 2012 FOREMOST INSURANCE 14
SKUNK TOTALS HOME
CLAIMS PAID
SKUNK INVADES HOME
SPRAYS
PROFESSIONALLY
DEODORIZED
ODOR REMAINS
WE BOUGHT INSURED A
NEW HOME!
OPPORTUNITY!!
Standard
Carrier
Specialty Dwelling
• Dwelling Fire One
• Dwelling Fire Three
• Classic ACV
• Classic CL
Dwelling Fire One
• Rental and Vacation Rentals
• Owner Occupied
• Seasonal
• Vacant (up to one million in value) – One year Policy - Pro-rated
• Rental Schedules up to 36 properties
Dwelling Fire One
• Eight Named Perils
• Vandalism and Theft Optional
• Agreed Value Settlement
• Unpackaged Policy
• Structurally Sound
Dwellings
Dwelling Fire One
Dwelling Fire Three
• Open Peril Coverage
• Unpackaged Policy
• Agreed Value coverage with the option
for Replacement Cost
• Repair Cost Endorsement
Great Endorsement
• Repair Cost Endorsement
No Depreciation subtracted from partial
loss
• Designed for older homes or any home
without Replacement Cost Coverage
• Dwelling Fire 3 Only
• $75.00
Classic ACV Value
• Homes that do not qualify for
Replacement Cost policies
• Insure for ACV
• HO-3 Package with ACV
Settlement
• $1,000 Theft Limit
Classic CL
• Loss Problems- Up to 5 Losses
• Market Value to Replacement Cost
greater than 70%(up to one million
value)
Classic CL
Gottleib Daimler
1885
"Reitwagen" ("riding car")
BONE CRUSHER
Motorcycle
• Five Motorcycle Programs
• Liability Only
• Street Bike Program
• Classic Bike Program
• Custom Bike Program
• Non-standard Program
Street Bike Program
• Liability
• Collision
• Other than Collision
• $3,500 Optional Equipment
• $1,500 Helmet and Safety
Apparel
• Total Loss Replacement Cost
on New Bikes for 2 Years!
Off-Road Vehicles
• Two-wheel, off-road motorcycles
• Three-, four- and six wheel all-terrain
vehicles (ATV)
• Golf carts
• Dune buggies
• Snowmobiles
OFF-ROAD VEHICLES Specialized Coverage's
• Optional Equipment - $500
• Helmet and Safety Apparel - $1500
• Transport Trailer Coverage
THE FOUR SLEDSMEN!
Marine Products
TEMPORARY INSANITY II
• Watercraft up to 40 feet in length
• Agreed Loss Coverage for the first
15 years
• Total Loss Replacement cost option
adds 20% coverage(current year)
• Waterskiing Liability
Covered
Family Boater’s
Family Boater’s
• Pollution Liability
• Removal of Wreck
• Recover and Protect
• Boat Trailer optional
• Personal Property optional
• Towing optional
Jet Ski
Picture of a real Jet Ski
PWC History
• Developed in the
late 60’s by
inventor Clayton
Jacobsen II for
Bombardier
Personal Watercraft
Actual Cash Value Policy
Coverage Options Page 11
• Bodily Injury Liability and Property
Damage up to $250/$500/$250
• Deductible Options
– $250 Base with $500 Theft
– $500 and $1,000 available
• Liability Only available
FOREMOST AUTO
• NON STANDARD AUTO MARKET
• WIDE VARIETY OF DISCOUNTS
• COMPETATIVE ON SINGLE DUI
BUSINESS
• COMMISSIONS- 12 NEW 10 RENEWAL
FOREMOST AUTO
• Contact Info/Websites
• Policy Services: 1-888-888-0080
• Policy Services Fax: 1-888-888-0070
• Producer-dedicated Web site:
www.iaproducers.com or
www.foremostproducers.com
FOREMOST PRODUCT
WEBINARS • SPECIALTY PRODUCTS
• SPECIALTY DWELLING
• FOREMOST AUTO
• MUST REGISTER!
Foremost Insurance Group
THANK YOU!!