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Insurance Coverage for Your Clients

IIAC Announces a New Member’s Benefit for Coastal Homeowners Insurance!
 
UPC and the Connecticut Big I Agent Association are pleased to announce that UPC Insurance is a Homeowners market now available for Connecticut Big I agents. Connecticut is UPC’s 11th state and is now open for business!  Through a partnership with UPC, IIAC members will have access to a standard homeowners market specializing in coastal property. 

UPC
UPC has a long track record of supporting agents and paying policyholders' claims while maintaining financial strength and stability. UPC 
Keeps the Promise® by providing world-class insurance products and services to more than 307,000 policyholders in 11 states, representing more than $561 million of total in-force premium. UPC Insurance is a publicly traded company on NASDAQ (stock symbol: UIHC). Learn more about UPC and the five foundations of UPC insurance by viewing the Company Brochure.
 
Program Benefits
UPC is offering HO3 and Flood coverages in the state.  The Company has plans to introduce Dwelling Fire, Renters, and Condo Owner policies in the future.  UPC Insurance’s HO3 product offers dwelling, personal property, loss of use, and liability coverage to the owner/occupant of a private residence. Optional coverages are available allowing policyholders to tailor the policy to their unique needs. Some of the features and optional coverages available in this program are:
 
  • UPC is open for ALL locations and protection classes – including the coast
  • No mandatory wind/hail or hurricane deductibles
  • Multiple discounts available to save consumers up to 60%.
  • Coverage available for 1-2 family dwellings including secondary and seasonal homes
 
Find peace of mind with Identity Theft Restoration, Equipment Breakdown, Water Backup and Sump Overflow, and Watercraft and Sailboat Endorsement.
 
Download Product Brochure, Flood Brochure or visit website at upcinsurance.com
 
For more information on this program, please contact Warren Ruppar at 860-563-1950.
RLI’s stand-alone Personal Umbrella Policy (PUP) can provide up to $5 million worth of coverage above and beyond the insured’s underlying homeowners and automobile policies, which makes it a perfect solution for hard to place personal lines accounts.
  • No minimum volume requirements
  • No access fees
  • Self-underwriting application
  • Direct bill to the insured at renewal
  • IIAC members earn 10% commission on new and renewal business
  • Does not require or desire underlying policies
  • RLI is admitted and A.M. Best "A+" rated
 
New! EXPANDED Appetite Criteria (PUP Special) Includes:
  • Drivers licensed less than 1 year
  • Property owned outside of US
  • 1 DUI/DWI (eligibilty guidelines apply)
  • 1 incident each (drivers 20-21 & over 80)
  • Full List & Additional Exposure Charges
  • Do you have additional questions on the RLI Personal Umbrella Program?
  • Click here to read the answers to the "20 Most Frequently Asked Questions."
Do you have additional questions on the RLI Personal Umbrella Program?  Here are the answers to the 20 Most Frequently Asked Questions.
 
If you are not currently appointed to write with RLI in Connecticut, please complete the Agency Contract and submit to Rose Mullaly.  Out-of-state agencies are required to also submit a copy of their Connecticut Non-Resident insurance license and a certificate of insurance for E&O coverage listing IAS, Inc. as a certificate holder.
 
For additional information, please either call (860-563-6510) or email Rose Mullaly for assistance.
 
For applications not using eSignature, credit card or ACH transfer, the original signed application and check (payable to "IAS") must be mailed to:
 
Attention:  Rose Mullaly
Independent Agents Services, 30 Jordan Lane, Wethersfield, CT 06109. 
 
Applications cannot be sent directly to RLI.
 
Policies are agency billed for the first year only.

RLI’s Home Business Insurance Policy (BOP) provides great home-business coverage for over 130 classes of small retail and service type home-based businesses for a very low premium.

  • No minimum volume requirements
  • No access fees
  • IIAC members earn 12% commission on new and renewal business
  • Up to $50,000 Business Personal Property Coverage, including theft both on & off premises
  • Up to $1 million in Business General liability protection both on and off premises
  • Loss of business income protection up to 12 months available
  • Up to $5,000 per person for medical payments to customers or vendors injured on premises
  • Drone coverage is available.
  • Optional coverages for Money and Securities
  • Storage of supplies may be at a second location
  • A standard $250 deductible
  • RLI is admitted and A.M. Best "A+" rated

If you are not currently appointed to write with RLI in Connecticut, please complete the Agency Contract and submit to Rose Mullaly.  Out-of-state agencies are required to also submit a copy of their Connecticut Non-Resident insurance license and a certificate of insurance for E&O coverage listing IAS, Inc. as a certificate holder.

PAYMENT OPTIONS:
  1. Original signed application and check (payable to "IAS") can be mailed to Rose Mullaly, Independent Agents Services, 30 Jordan Lane, Wethersfield, CT 06109.  Policy will be direct billed at renewal.
  2. Signed application can be emailed to Rose Mullaly with request to pay via credit card or ACH transfer (do NOT include payment information in email).  Agent will be contacted by Rose to obtain payment information.
 
PLEASE NOTE:  Applications cannot be sent directly to RLI.

 

 


 
IIAC has prepared a simple RLI marketing plan complete with letters to help you start selling. Free consumer brochures are also available for you to download, customize, and send to your clients.
 
After all, It’s not just another policy sold.  It’s an investment in retention.
 
The more accounts you have for a client, the higher your retention. Studies have shown the following retention statistics:
 
The chance you will still have the account at the end of 5 years are:
25% if your account consists of 1 policy
63% if your account consists of 2 policies
92% if your account consists of 3 policies
 

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 Insurance Underwritten by
Westport Insurance Corporation
 
Swiss RE Lawyers’ Professional Liability Program, underwritten by Westport Insurance Corporation (Rated A “Excellent” by A.M. Best), is designed to protect lawyers against both the typical and unique claims being asserted today.
 
This top-quality coverage at a competitive price includes:
  • Limits of Liability – begin at $100,000 per claim, $300,000 aggregate and can be quoted up to a maximum of $15 Million per claim, $15 Million aggregate to qualifying firms
  • Additional Claims Expense and Claims Expense Outside the limit of liability are available, subject to underwriting
  • Full Prior Acts Coverage available
  • Broad definition of Insured and Legal Services
  • Reimbursement for trial attendance at Westport’s request, up to $10,000 per claim against you
Swiss RE Program Extras:
  • Online risk control service for insureds
  • Access to a free, confidential claim prevention “Hot-Line” for Insureds

 

HOW TO SUBMIT BUSINESS

  1. Your agency needs to be a member of the Independent Insurance Agents of Connecticut and have a completed Agents Agreement on file with Independent Agents Services.  You must also submit a copy of your agency's Connecticut Insurance license and a certificate of insurance showing your agency's current professional liability insurance coverage and listing IAS, Inc. as certificate holder (if IAS, Inc. does not write this coverage for your agency).  If you currently do not have an agreement, you can submit a completed agreement, copy of insurance license and certificate of insurance with your first application.
  2. Complete the application and any necessary supplementary forms (listed below in the forms area) with your insured and fax them to: Rose Mullaly at 860) 563-6730 or email them to her at rmullaly@iiac.org. Please include a blank copy of the firm's letterhead.
  3. We will send the quote to you via email. 
  4. If you would like to accept the proposal, return the quote acceptance signed by the insured and a net premium check* made payable to:  IAS, 30 Jordan Lane, Wethersfield, CT 06109.  Once the policy issues it will be forwarded to your office via email.
  5.  Independent Agents Services, Inc. Agent’s Agreement & Commission Schedule
 
MARKETING IDEAS & DISCUSSION STARTERS
APPLICATIONS / FORMS TO DOWNLOAD
 
You may also e-mail these forms to your clients – for quick, clear applications!
 
Please remember that all applications and supplements must be printed
and signed and dated by the insured before they are submitted to underwriting.
 
Forms When to Submit
(Please contact office for information on firms
with 20 or more attorneys) 
​All New Business
Individual Lawyer Supplement

​All New Business

Additional Location Supplement ​When the Main Application Indicates
Supplemental AOP Questions for Lawyers ​When the Main Application Indicates
Supplemental Questions for Lawyers ​When the Main Application Indicates
Claim Supplement ​When the Main Application Indicates
Outside Interest Supplement ​When the Main Application Indicates
Securities Activities Supplement ​When the Main Application Indicates
Intellectual Property Supplement ​When the Main Application Indicates
New Lawyer Application ​When a new lawyer joins the firm
 
  
Select the link below to view:
 
Comparison of CPC policy form (old form) to the PAL policy form (new form)
 
New PAL policy form
 
For more information about the Lawyers' Professional Liability Insurance Program,
contact Rose Mullaly at Independent Agents Services, Inc. 
Phone:  (860) 563-6510 or (800) 255-9787  /   E-mail: Rose Mullaly