Policy Quote Checklist - Ullrich Insurance

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Auto Insurance

Auto: Did you quote any vehicles without Comp and Collision?

Remember, if you ever quote a car without comp and collision, you must ALWAYS add UMPD to it. Got it?

If a vehicle has no comp and collision, did you add UMPD? (Hint: Every time quote quote or sell an auto policy with no comp and collision, you must ALWAYS add UMPD, no matter what!)

Remember, if you ever quote a car without comp and collision, you must ALWAYS add UMPD to it. Got it?

Red Flag: Does a driver drive for Uber, Lyft, Doordash or do any delivery at all?

Red Flag for Uber/Delivery, etc: Did you 100% make sure that you quoted the auto policy with a company that is okay with this, and do you for sure have the correct endorsement on there?

NOTE: Some companies are okay with Uber but not delivery or Doordash. Be very careful about this and specifically make sure that their exact thing is allowed by the insurance company. Example, if a company allows Uber that does mean that they allow everything.

Red Flag: Custom Equipment, Does a vehicle have more than $1,000 of custom equipment?

Red Flag: Custom Equipment, Did you correctly add the custom equipment to the quote?

Red Flag: Is a vehicle titled in someone else's name or the name of a business?

Red Flag: If titled in other name or business name, are you 100% sure that the way that you quoted it is eligible with the company that you quoted?

Red Flag: Are there any other people living in the home who have a license or permit?

Red Flag: Every company has a specific rule about other people in the home with a license or permit. Did you set up the policy 100% accurately according to the situation and the company?

Auto: Are you quoting a camper van? They are very hard to insure! It is super tricky! Talk with Jared.

Camper vans are crazy complicated to insure properly. Talk with Jared ASAP if you are quoting a camper van. Watch out!!

Auto: Is the camper van a van that was converted into a camper van? 1) It must have been professionally done, 2) Only maybe Progressive might insure this, 3) You need to make sure that you have "agreed value" coverage on the quote, 4) You need to make sure that the amount of "agreed value" coverage is the amount that the van is worth. Call an underwriter and make sure that they will insure this correctly.

We have been burned with this in the past. Only Progressive will write these, and maybe Nationwide? Talk with Jared about this.

Auto: Did you exclude a driver?

Auto: Will you make sure to read the driver exclusion waiver to the client and make them sign it?

If a driver is excluded, you must read the driver exclusion waiver to them and they must sign it.

Auto: Did you put a vehicle on "comprehensive only" coverage?

Auto: Will you read the waiver "vehicle on comp only" and make them sign it?

Auto: Do you either have no Med pay or no UMBI?

Auto: Will you read the Med Pay/UMBI rejection disclaimer to the client and have them sign it?

Auto: Did you quote state minimum coverage limits?

Auto: Will you read the low coverage limits disclaimer to the client and will you have them sign it?

HO3

Did you look at the coverage guide AND are you 100% sure that you have all recommended coverages?

The coverage guides can change. Make sure you always have them open. If there is something that you have a question about, let Jared know.

Did you look closely to confirm that the roof on the quote is Replacement Cost and not ACV?

It is VERY TRICKY with some companies to know for sure if we are quoting a Replacement Cost or an ACV roof. If you ever want to quote an ACV roof to someone, 1) approve it with Jared, 2) you must read the disclaimer to them, 3) they must sign the disclaimer

Did you quote an HO3 with Allstate?

Allstate home: Is the home anywhere near the forest or a rural area?

If yes, we need to specifically approve the home with an underwriter or else they might just cancel it within 90 days.

Allstate home near a forest or rural area: Did you specifically chat or email with Jennifer or an underwriter, and ask them about the trees, and ask them if they think it would be eligible?

Allstate Home: If you are going to quote Allstate, will you confirm the following? 1) The yard is cleaned up and there is no debris all over the place, 2) There is no damage on the exterior of the home, 3) There was never an insurance claim when the client took the money but did not repair the damage.

We really don’t want to sell a policy with Allstate that will be cancelled within 90 days of the policy starting. If someone does have damage, ask them if they can fix it. Guys, ask Jared if you have any questions about this.

Allstate home: Are you sure that the home is not in a restricted zip code?

Allstate home: Are there any branches touching the roof or reaching over the roof?

If there are branches over a roof or touching a roof, Allstate will non-renew them within 90 days. We need to confirm with the client about this. Or, the client might need to trim the trees.

HO6 Coverages

Did you show the prices for $25k and $50k Loss Assessment?

Did you check the coverage guide?

Landlord Condo

Landlord Condo: Did you check the coverage guide and do you have all recommended coverages and endorsements?

Landlord Condo: Did you present the $25k and $50k Loss Assessment options?

Manufactured/Mobile Home

Manufactured home: Did you check the coverage guide and make sure that you have the correct coverages, etc?

Manufactured home: Did you read the disclaimer to them and will you have them sign it?

Vacant Home/Fix & Flip

Vacant Home/Fix & Flip: Did you check the coverage guide and do you have all the coverages correct?

Vacant Home/Fix & Flip: Did you read the disclaimer to them and will you have them sign it?

Surplus Lines

Surplus Lines: Did you read the disclaimer to the client and will you have them sign it?

Surplus Lines: Did you check the coverage guide and does our quote have all the coverages that we recommend?

Which Surplus Lines broker did you write this with? (Name of broker and company)

Why exactly was this written with Surplus Lines? Did you confirm that nobody else would take it?

Looking at the insurance policy, is the structure of the home covered on a "Named Perils" or an "Open Perils" basis?

Did you ask the Surplus Lines broker what all the restrictions are with water damage, and did you tell this to the client? Type the water damage restrictions here:

Will there be a time when this insurance policy could be written with a standard company? If yes, when do you think that would be possible? Did you create a task in Agency Zoom for that future date?

Boat, Motorhome, RV

Boat, Motorhome, RV: Are you sure that you put "Agreed Value" coverage on it?

There is a generic coverage guide for boat, motorhome and RV.

Boat, Motorhome, RV: Did you check the coverage guide and make sure that you quoted it correctly?

There is a generic coverage guide for boat, motorhome and RV.

Umbrella

Umbrella: Did you read the coverage guide closely and did you follow it?

An umbrella policy is more complex than you realize. Read the coverage guide closely!

Umbrella: You need to ask them if they own anything else with a motor. The only way that anything with a motor can be covered by the umbrella is if #1) it has its own insurance policy, #2) It has sufficient underlying liability coverage ($250k/$500k), #3) It is specifially added to the umbrella. Did you confirm all of this and is everything good with this?

An umbrella policy is more complex than you realize. Read the coverage guide closely!

DP3

DP3: Loss of rental income: Make sure that you explain loss of rental income and make sure the client agrees that this amount of coverage is what they want.

DP3: Look close. Is the roof Replacement Cost? Are you 100% sure that it is replacement cost?

DP3: Is this a short term rental?

DP3 Short Term Rental: Did you make sure the policy is written correctly and has the special short term rental endorsements that it needs?