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GENERAL
Q: Can you write
business in the state of ?
A: Please visit our Marketing Territory page for details on where we do
business.
Q: How can I apply for appointment with Arlington/Roe?
A: We will appoint new producers subject to certain requirements.
For more information please click
here.
Q: How do I know what department to send my
commercial lines submission?
A: If you are already dealing with an Underwriter/Broker, send
it to their attention. Commercial Lines meets twice a week to
discuss new accounts. We will get your submission to the right
place. If you do not have a contact, email your submission here.
Q: How can I speed up processing of an application
or submission?
A: Missing information on applications slows down processing.
Please submit fully completed applications to speed up processing.
Q: Why am I unable to email an application
or other attachments?
A: Email does have file size limitations. Please refer to our
email tips page.
BY DEPARTMENT
Aviation
Q: What aviation companies do you represent?
A: We currently represent all domestic aviation markets
with access to London markets as well.
Q: In what states do you write Aviation?
A: We are licensed to do Aviation business in all states.
Q: What are the standard limits of liability for a pleasure &
business aircraft?
A: The limit carried most often by an individual who uses his
aircraft mainly for pleasure purposes is $ 1 million each occurrence
with passengers limited to $100,000 each. With a more qualified
pilot, the passenger limitation can be removed for a somewhat
higher premium.
Q: What types of aviation risks do you write?
A: We can effectively write any type of risk that has an aviation
exposure including aircraft, airports, general liability for contractors
who work on airport premises, aircraft products liability, non-owned
aircraft liability, airport property coverage
among others.
Bonds
Q: I didn't realize Arlington/Roe wrote Bonds. What types of Bonds do
you write?
A: We write a wide variety of Bonds from Performance/Payment Bonds,
to Crime, Public Official and License Permit. For a complete listing,
refer to our coverages written
page.
Q: In what states do you write Bonds?
A: Currently we write in IN, OH, IL, KY and MI. We have the ability
to write in all states for specific account needs of our Midwest
Contractors.
Q: What is the turnaround time on new bonds?
A: Typically 24 hours for most miscellaneous bonds. Contract Surety,
depending on the information provided, could be from 24 hours to 2
weeks.
Q: What type of information do you need for a contractor submission?
A: Complete information is mandatory. An incomplete submission
will significantly increase the amount of time needed for review.
See contract
application forms.
Brokerage
Q: What if your Commercial Lines or Transportation departments
can't offer all the coverages my client needs? Can you help?
A: Yes! Those departments often pass to us any parts of a risk
that they can't place, such as Umbrella, DIC, Boiler, Property,
Products Liability, Foreign Liability…anything that doesn't fit
their markets.
Q: If I have an opportunity to write an account
in a class of business I am unfamiliar with, can you help me?
A: Yes. Our Brokers have over 100 years of combined experience
in various aspects of the insurance industry. Please email
or call 1-800-878-9891 ext. 8633.
Q: Can I get a quote with only an application
and no supporting documentation?
A: In this market, not usually. Insurance carriers are being very
selective about what types of risks they are willing to underwrite.
Your best bet is to provide as much information as possible. Include
loss runs, detailed descriptions of any complicated operations
or claims, complete current financials and marketing brochures
if your client has them. Please include their website address
if you have it.
Q: What is the "turnaround time" on a new submission
right now?
A: Assuming you've given us complete information, we ask that
you allow us 2 weeks to properly market a submission. Carriers
are loaded with work right now, and we typically explore 2-5 markets
on any risk. Large or complicated accounts with multiple coverages
can take longer. In all cases, we will attempt to meet your deadlines
or notify you promptly if we cannot.
Q: What kind of payment options do you offer?
A: Very few E&S carriers offer Direct Bill and multiple-installment
options. Some will only offer payment plans if the premium is
$3,000+. It depends upon the carrier. However, we have partnered
with a premium financing company and can always offer multiple
payment options through our office. When you send us a submission,
mention that your client is interested in payment options. Your
broker can provide that information along with your quotes.
Commercial Lines
Q: In what states do you currently write Commercial Lines?
A: Currently our Commercial Lines Department writes business in IN, IL,
OH, KY and MI.
Q: What classes of business do you write?
A: We have a broad range of products available. Please refer to our
coverages written page for details.
Q: What carriers do you represent?
A: We have various resources available to us. Please refer to our
Markets represented for details.
Q: Do you have premium financing available?
A: Yes, we can offer premium financing through our office with
Insurance Finance Corporation. The minimum amount that can be
financed is $1,500. Please refer to your underwriter for assistance.
Personal Lines
Q: Do you have an age restriction for mobile homes?
A: No, we are able to write any age unit.
Q: Do you have a market for snowmobiles and dune buggies?
A: No, we currently do not have a market for these two products.
Q: Who do I call to check on a policy status?
A: Any one of our personal lines staff members has access to this
information.
Q: Do you offer premium financing?
A: Most of the personal lines accounts are written on a direct bill
basis, and have different payment options where there is no need to
premium finance. We can offer premium financing on certain agency bill
accounts where the policy premium is over $1,000.
Q: Do you have a tenant HO-4 market?
A: We do have a tenant program for mobile homes through American Modern
Home.
Professional Liability
Q: Can I get a quote with only an application and no supporting
documentation?
A: In this market, not usually. Insurance carriers are being very
selective about what types of risks they are willing to underwrite. Your
best bet is to provide as much information as possible. Include loss
runs, detailed descriptions of any complicated operations or claims,
complete current financials and marketing brochures if your client has
them.
Q: What is the "turnaround time" on a new submission right now?
A: Assuming you've given us complete information, we need 2-5 days.
Large or complicated accounts with multiple coverages can take longer.
In some cases, such as EPL and smaller E&O risks, we may be able to
provide you with an indication over the phone. In all cases, we will
attempt to meet your deadline or notify you promptly if we are unable to
do so.
Q: Does my client need Professional Liability?
A: If your client provides a service to the public that could cause
financial harm in the event of an error or omission, they may have a
professional or E&O exposure. Depending upon whom your client does
business with,
(government entities, contractors, etc) they may be required to carry
professional liability or E&O coverage.
Q: Does my client need Employment Practices (EPL) coverage?
A: If they have employees, EPL coverage is a good thing for any client
to consider, especially if they have more than 30 full-time or part-time
employees. It can help defend them against accusations of discrimination
or unlawful firing lawsuits. To protect their own E&O coverage, agents
should always offer EPL coverage to their commercial clients.
Q: What kind of payment options do you offer?
A: Very few E&S carriers offer Direct Bill and multiple-installment
options. Some will only offer payment plans if the premium is $3,000+.
It depends upon the carrier. However, we have partnered with a premium
financing company and can always offer multiple payment options through
our office. When you send us a submission, mention that your client is
interested in payment options. Your broker can provide that information
along with your quotes.
Standard
Small Business/Medical Malpractice
Q: What falls into Standard Small Business?
A: This practice exists to assist those “under served”
small midwestern agents that need assistance writing their main
street account. Most of this business consists of BOP accounts
with their ancillary lines of Auto, Workers’ Compensation
and Umbrella.
We also handle our Jewelers’ Block business and our accident
policies for athletic teams, emergency volunteer workers, schools
and travel in this area. In addition, we handle property policies
associated with our Medical Malpractice accounts.
Q: Do you need special applications for this small business?
A: No, you may submit standard ACORD
applications. We may ask for supplemental information for
specific risk types.
Q: Can you write hard-to-place medical exposures?
A: While not a major portion of our operation, we have markets
available for those risks that have experienced difficult situations
and may need assistance finding coverage. We place standard medical
malpractice coverages for all areas of healthcare.
Q: How do I get applications for medical malpractice
coverages?
A: We feel it helps for us to match the characteristics of an
account with the appropriate carrier before completing applications.
These are warranted policies so it does take additional time with
your customer to complete them. Please call or email
us and we will be happy to send you these applications. As with
other lines of business, most applications will also ask for loss
runs, financials and other underwriting materials.
Transportation
Q: What states do you currently write business?
A: Currently our Transportation Department writes business in
IN, IL, OH, MI, and on a limited basis in KY
Q: Can you write a package policy?
A: The Transportation and Garage Department handles all the needs
of Auto coverage as in Liability, Physical Damage, UM/UIM, Medical
Payments and Cargo. With Garage, we write coverages of Liability,
Physical Damage, Medical Payments, UM/UIM, Dealer Open Lot, Garage
Keepers Liability, In-Tow, Drive away and other garage coverages.
Coverages like Excess, Umbrella or General Liability are best
handled in the other departments of Arlington/Roe, where they
specialize in these areas and are able to provide more market
availability.
Q: What do you need for a Fleet submission?
A: All fleets are submitted to our companies. The companies will
require the following information before quoting:
1. Completed Company Application
2. Equipment List with current stated values
3. Driver List (Including D.O.B., State License Number, D.O.H.)
4. MVR's for all drivers
5. Current 3 year loss runs
6. Current Schedule B (3 years if mileage quote requested)
7. Current Financials (3 years if gross receipts quote requested)
8. Safer Report (www.safersys.org)
9. FHWA Report - Insurance & Authority History (http://www.fhwa.dot.gov/)
10. Safestat Report - Overview & History (http://ai.volpe.dot.gov/)
11. Lease Agreement if Owner/Operators Insured
12. Written Driver Standards & Safety Program
Q: How long will it take to get a quotation?
A: Due to the ever changing market, application submissions have
increased considerably. Submissions are divided between our underwriters
on a daily basis. We endeavor to have our quotes out to our producers
upon the due date.
Workers Compensation
Q: What classes of business do you target for Workers Comp.?
A: Our targeted classes of business are Manufacturing, Wholesaling,
Service, Schools and Truckers.
Q: It is difficult to find a market for Workers Comp., who
does Arlington/Roe write with?
A: Currently, we have 3 monoline markets writing premium small
($2,500) to large ($1,000,000) guaranteed cost coverage. For a
complete listing of current markets, please refer to our Markets
represented page.
Q: What states do you currently write business?
A: Currently our Workers Comp. department writes business in IN,
IL, KY, MI, TN and OH (OH - Excess Comp only).
Q: What types of Workers Compensation programs can you offer?
A: We offer a wide variety of programs; Guaranteed Cost, retrospective,
large deductible, retention and loss sensitive programs.
Q: What is and how does the Assigned Risk
work?
A: For details on this, click here,
or go directly to the ICRB website.
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