Networked gives you the tools you need to make your Personal Lines business grow! Networked Insurance Personal Lines (All states, excluding CA & TX)

May 2007 Networked Insurance Agents Copyright 2007

May 2007 Networked Insurance Agents Copyright 2007 Personal Lines Management   Scott SmithPersonal Lines Manager   Gina BajonePersonal Lines Senior Underwriter/Team Leader

May 2007 Networked Insurance Agents Copyright 2007 Personal Lines Underwriters  Jeanine HaringHandles: CA only (Back up on out of state) (530)  Ashley Hearing Handles: TSVPs Marcia Ruddick and Larry Bynum (530)  Erin CummingsHandles: TSVP Chris Decolati (530)

May 2007 Networked Insurance Agents Copyright 2007 Personal Lines CSR’s  Trista DutcherHandles: Marcia Ruddick (530)  Lisa LinesHandles: CA only (Back up for other states) (530)  Jackie Atkinson Handles: Will Staffhorst (530)  Allison Coulston Handles: Patti Leonard and Larry Bynum (530)  Amber Stone Handles: TSVP Chris Decolati (530)

May 2007 Networked Insurance Agents Copyright 2007 Personal Lines Tech’s Michelle DailyHandles all pre-approval CLUE, MVR and mapping requests (530)

May 2007 Networked Insurance Agents Copyright 2007 Property NETWORKED MARKETS We give you access to name brand, customer recognized, competitively priced Carriers! Property  Chubb  Encompass  Met Life  Hartford *Requires package  Travelers  Fireman’s Fund  Safeco  AIG Private Client*

May 2007 Networked Insurance Agents Copyright 2007 What can these Carriers do for you?   Do your clients need a quality/competitively priced HO3, HO4, HO6?   Networked recommends:   Travelers   Encompass   Hartford   Met Life   Do you have a “High End” home you need to place?   Networked recommends:   Chubb   Fireman’s Fund   AIG   Stand alone DP3’s?   Networked recommends:   Safeco

May 2007 Networked Insurance Agents Copyright 2007 How About Auto? Once again, Networked has access to Name Brand customer recognized, competitively priced Carriers  Encompass  Hartford  Travelers  Chubb*  Fireman’s Fund  Safeco  Met Life  AIG* Minimum pref. limits 50/100/50,000 * Need supporting home

May 2007 Networked Insurance Agents Copyright 2007 What other tools does Networked Personal Lines have in it’s tool box that will help me be successful?   Mobile Home/Manufactured Home/Modular Home – Foremost   Stand Alone Excess –RLI   Stand Alone in Home Business – RLI   Stand Alone Motorcycles – Foremost, Safeco   Stand Alone Watercraft – Travelers, Chubb, Foremost, Safeco

May 2007 Networked Insurance Agents Copyright 2007 So, tell me more… …I Like what I see!

May 2007 Networked Insurance Agents Copyright 2007 Chubb   Specializing in HV Property $400,000+. (Depending upon state and location, may go down as low as $300,000).With primary home will also consider Auto, Dwelling Fire, Watercraft & Excess   Expert home appraisals and loss control evaluation upon issuing of the Homeowners policies.   Deductible waived in the event of a loss exceeding $50,000   Customers enjoy superior claims service with maximum control over how, when, where and by whom property is replaced or repaired.   200% Extended Replacement Cost   All risk on contents when written in the Deluxe program

May 2007 Networked Insurance Agents Copyright 2007 Encompass Insurance Co   Package Policies preferred   A Package consists of the Auto & Primary Home (Homeowners, Condo Owners or Renters)   Package policies can also include Boat, Dwelling Fire, Motorcycle, Recreational Vehicles, Motor Homes and Excess Liability   All lines of business on one policy, one bill, one deductible, one installment fee.   Offers three levels of coverage: Special, Deluxe & Elite.   Aggregate Property Limits.   Will entertain family risks including youthful operators. **Lower commission paid on the vehicle the youthful is assigned to.   Credit for existing insurance.   Package discount is 12% off the home and 15% off the auto

May 2007 Networked Insurance Agents Copyright 2007 Encompass Sales Tips  Credit for existing insurance – Write the home or auto with current effective date and the remaining line with a future effective date (must be submitted at the same time).  Underwriting is once and done: The package is underwritten at the time it is submitted and not again when the second policy is effective.  Gaps are covered: If the client has a claim that exceeds their primary policy prior to the Encompass policy taking effect, Encompass will cover the difference. (If a covered peril)  Locked in rates: If the rates change before the second policy is effective the insured will continue to get the rate that was quoted.  Package discount is applied.

May 2007 Networked Insurance Agents Copyright 2007 Fireman’s Fund   Specializing in HV Property $500,000+, Auto, Dwelling Fire, Watercraft & Excess   No Maximum Coverage A   200% Extended Replacement Cost   Will write “ high end” stand alone Auto   Send in Fireman’s Fund Location Approval Worksheet

May 2007 Networked Insurance Agents Copyright 2007 Hartford Insurance Company   Currently writing Auto, HO3, HO4, HO6, Excess (with Home and auto), and Dwelling Fire with supporting Home.   Discounts: Account Credit Auto – Figured into the quote – no percentage, Home 10%.   Domestic Partner Discount - married rate for couples in committed relationship or single parent with custody of children.   HO3,Sentinel, Sentinel Silver, HO5, Sentinel Gold, Sentinel Platinum – You can choose 125% or 150% Extended Replacement Cost.

May 2007 Networked Insurance Agents Copyright 2007 Travelers Property & Casualty   Currently writing HO3, HO4, HO6, Auto, COC, Dwelling Fire, Watercraft & Excess   Subject to: CLUE, MVR’s,   Discounts: Account Credits for Auto and Home.   COC policy available. No owner builders.

May 2007 Networked Insurance Agents Copyright 2007 High Value and Hard to Place Personal Lines  HO-3  Brush and unprotected properties  Primary, secondary, seasonal and rentals  Earthquake available  HO-4/6  Builders Risk  Vacant Dwellings  Personal Articles Floaters

May 2007 Networked Insurance Agents Copyright 2007

May 2007 Networked Insurance Agents Copyright 2007 Pre Qualify your Risks: Networked wants to save you time!!! Before you take the time to complete all the forms necessary to get coverage bound pre qualify your risk to see if it will qualify for the coverage you are requesting. Send an to Michelle Daily at You will get a response within 6 hours **Remember the technician can only tell you what is on the report, she does not have underwriting authority

May 2007 Networked Insurance Agents Copyright 2007 How do I bind a Personal Lines Account? VERY IMPORTANT: Our carriers do not allow us to extend binding authority to our affiliates. In order to expedite binding of your submission please follow these instructions carefully. To request binding fax or a completed submission to Networked (please note we treat all applications as bind requests). Please do not send applications for pre-approval. Within 24 hours you will receive an acknowledgement letter

May 2007 Networked Insurance Agents Copyright 2007 How do I bind a Personal Lines Account Continued…. Once the underwriter reviews the account you will then receive one of the following within 24 hours.   A Confirmation of Coverage if the submission is complete and the risk qualifies. **Please note coverage is not bound until you receive a confirmation of coverage from Networked.   An Additional Information Memo if the submission is incomplete. **Please note Networked will not bind coverage until all information is received and the effective date will be determined once submission is complete   A Declination Letter if the risk is unacceptable. **Please note another carrier will be offered if one is available

May 2007 Networked Insurance Agents Copyright 2007 How to complete an Auto submission:   Completed Accord Auto Application   Prior Dec Page –   Copy of Agent’s Quote Supplemental Forms/Items   Signed UM Form – May be carrier specific   Proof for a not-at-fault accident (i.e. Police Report or letter of experience)   Company Specific Supplemental   Signed Driver’s Exclusion

May 2007 Networked Insurance Agents Copyright 2007 How to complete a Home submission:   Completed Acord Application   Replacement Cost Estimator   Agents Copy of the quote Supplemental Forms:   Older Home Questionnaire – Company Specific   Wood Stove Questionnaire – Company Specific   Photos (if applicable)

Do you have difficulty placing rural homeowners?  High value dwellings  Protection class 9 or 10  Large 4-legged pets  Animals boarded on premises  Too many acres for personal lines Contact our Agribusiness Unit who can place these accounts with mainstream markets and broad homeowners coverage forms. or call David Lundy (530) or Rebecca Donahue (530)

May 2007 Networked Insurance Agents Copyright 2007 Escrow Closes Networked understands the urgency of escrow closes. We have implemented the following for your convenience:   Fax in a complete submission noting on the cover page that this is an escrow close. If you have scanning capabilities you can the submission directly to the underwriter to help expedite the procedure.   Once faxed, contact the underwriter who will be handling the account to let them know you have sent in an escrow close and give the clients name.   The underwriter will work that account first and contact you immediately to advise if an EOI can be issued or if additional information is needed.   **Please note Networked does not require signatures to bind coverage for escrow closes**

May 2007 Networked Insurance Agents Copyright 2007   Please mail all originals and down payment to our office within 7 days of receipt of the confirmation of coverage.   Please note since Networked holds the carrier appointment our affiliates are unable to contact the carriers directly. For any questions about a risk please contact your designated underwriter Final Step…

May 2007 Networked Insurance Agents Copyright 2007 THANK YOU We appreciate your business!