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...f homes, personal property, and automobiles to trusts. Many older people cede ...e insurer. DIRECTORS & OFFICERS LIABILITY Nonprofit and for-profit corpora...

..._____________________   AUTOMOBILE/VEHICLE ... like a quotation for your Property Liability and Professional Liability or Malpractice insurance? ...

... AUTOMOBILE/HOME ... professional, do you have Property Liability add Professional Liability or Malpractice insurance? ...

... to Personal Lines Renewal Review Form and mail to client. By taking a few minutes to fill out and return this brief checklist, you can help make sure that your insurance coverage is up-to-date and complete. FAMILY RISK QUESTIONNAIRE Name Address City State Zip Home Phone Bus.Phone AUTOMOBILE/HOME Yes No 1. Would you consider increasing your deductibles to lower your premium? 2. Do we presently insure all of the vehicles of your household? If not, how many do we insure? ____ of ____ vehicles. 3. ... Do you own minibikes, mopeds, or motorcycles? If so, how many? 8. Do you have vehicles furnished for your regular use that you do not own, such as a company car? If so, how many? 9. Do you want rental reimbursement coverage in the event that your car is damaged in an accident? HOMEOWNERS/RENTERS Yes No 1. Do you own any antiques, fine arts, silverware, or collections such as unique dishes, figurines, and so on? 2. Do you ... engaged in any form of farming or ranching? 14.Do you conduct any business or give private lessons in your home? 15.Do you own any boats, motorbikes, or other recreational vehicles, such as snowmobiles or golf carts? 16.Would you be interested in any Umbrella or Excess Liability policy that extends your Auto and Homeowners liability coverage to $1 million or more? NOTE: COVERAGE FOR QUESTIONS 1-7 MAY BE LIMITED OR EXCLUDED UNDER YOUR PRESENT POLICY. Yes No 1. Do you have Disability income insurance in case you become sick or ...

... This means that, as they write new and renewal policies, process changes, and interact with clients, insurance professionals must be aware of problems that can arise. OWNERSHIP TRANSFER For example, let's take a look at transferring ownership of homes, personal property, and automobiles to trusts. Many older people cede ownership of such property to adult children to reduce estate taxes or qualify for Medicaid. However, Personal Lines contracts don't include trusts in their definition of "insured," and they don't recognize legal entities. They're written to ... in their renewal process in Personal as well as Business lines. Agencies should also give ongoing training on new cyber risks and products for producers and others who deal with clients. NON-OWNED AUTO EXPOSURES There are also Non-owned Auto exposures, such as short- and long-term car rentals, non-owned autos provided to employees for regular use, autos rented for business purposes with personal credit cards and used for both personal and business ends. In all of these situations, there are coverage gaps to be handled. Few agencies ask their clients the relevant ... be more diligent than ever in analyzing their Errors and Omissions risks and exposures. Some of the areas that open up agency E&O exposures are trusts, cyber risk, Non-Ownership Auto exposures (Personal and Business Auto), D&O Liability, Umbrella & Excess Liability, Employment Practices, home-based businesses, intellectual property exposures, and company solvency issues. Everyone at every agency should keep "due diligence" and "awareness" in mind while taking care of clients. Agents, like other professionals, must demonstrate their knowledge ...

... to answer the questions and return the questionnaire in the enclosed envelope. Name: ____ Address: ____ City: ____ State: _____ ZIP: _____ Home Phone: ____ Business Phone: ____ Date: ____ &# 160 AUTOMOBILE/VEHICLE YES NO &# 160 &# 160 1. Would you consider increasing your deductibles to lower your premium? &# 160 &# 160 2. Do we currently insure all the vehicles in your household? If not, how many do you ... ___ &# 160 &# 160 8. Do you have vehicles furnished for your regular use that you do not own, such as a company car? If so, how many? _____ &# 160 &# 160 9. Do you want Rental Reimbursement coverage in the event that your car is damaged in an accident? &# 160 &# 160 10. Do you own any boats, motorbikes, motor homes, or other recreational vehicles, such as snowmobiles or golf carts? HOMEOWNERS/RENTERS/ ... &# 160 13.Are you currently engaged in any form of farming or ranching? &# 160 &# 160 14.Do you conduct any business or give private lessons in your home? &# 160 &# 160 15. Would you be interested in an Umbrella or Excess Liability policy that extends your Automobile and Homeowners Liability coverage to $1 million or more? &# 160*Coverage for questions 1-7 may be limited or excluded under your policy. OTHER PERSONAL INSURANCE YES NO &# 160 &# 160 1. Do you ...