Serving independent agents since You can trust us to get you the service you need.

Transcription

1 Serving independent agents since You can trust us to get you the service you need. Service to the Local Agent, not Competition.

2 Commercial Auto Personal Lines Property & Casualty Worker s Comp Who We Are Bloss & Dillard, Inc. is an insurance management facility, accepting business from over 1,700 agents in West Virginia, Ohio, Kentucky and Pennsylvania. We offer the local agent and broker the products of over forty insurance carriers, 100% of which are rated A- or better by A.M. Best Company. Our facilities are available to you, the local agent and broker exclusively; we do not sell our product directly to the insurance buying public. Our motto is Service to the local agent not competition. We have a staff of professional underwriters to quote and bind both the commercial and personal lines insurance coverages. Our underwriters have full binding authority and in many cases extend coverages immediately. Our markets are not limited to the placing of non-standard, high-risk and specialty coverages. We are a complete insurance management facility. We have commercial packages available written as a program business at very competitive rates. We have the in-house facilities of foreign and domestic insurance markets, which we make available to you for the placing of your tough, unusual and specialty coverages. We can provide you with excess coverage, umbrellas, general liability, long haul, intermediate and local trucking, including dumps, ambulance services and tow trucks. Some of our specialty products are mobile homeowners, boats, and personal umbrellas. These are but a few of the host of other products we have available to you. Commissions paid are liberal, and we have become known for our fast policy service department. We can now boast that the policy turnaround is usually less than seven working days once all of the information has been received. Bloss & Dillard, Inc. is a member of the American Association of Managing General Agents (AAMGA). We are also an active member of the National Association of Professional Surplus Lines Offices, Ltd. (NAPSLO). These are trade associations dedicated to the preservation of the independent agency system and the professionalism of true managing general agents. We believe in, are associate members of, and support in a material way, the state and national associations of the independent agents and professional agents. Finally, we are the founding members of the USA Alliance, a national organization formed for the purpose of better supporting the needs of the local agent in servicing their clients through our facilities. If you are not one of the more than 1,700 agents doing business with us, we urge you to visit our website, today! P.O. Box 7878 Huntington, WV p f Call us today for more information!

3 Bloss & Dillard at your fingertips. Getting in touch with Bloss & Dillard is now easier than ever! Our site allows you to quickly find the information you need and offers you the resources you re looking for right at your fingertips 24/7. Visit us online, call or stop by our office location today! Look for Bloss & Dillard online with many features including: Need help immediately and don t want to wait on hold? Live chat is available on our website. Chat directly with our Accounting Department or an underwriter. Agent Service Center available, giving you access to information such as status of policies and submissions, policy info, expiration lists, account statements and invoices, and much more! Easy navigation - get what you need within three clicks Information on various classes available at your fingertips Hundreds of forms available Loss run request utility Commercial auto ratings available on the B.E.A.R. page Staff photos - put a face to the name of your Bloss & Dillard staff Contact Us Now! Find out what Bloss & Dillard can do for you! Visit our website!

4 Commercial Auto Personal Lines Property & Casualty Worker s Comp Loss Claim Procedures At Bloss & Dillard, Inc., we strive to give quick, reliable claim service. You, as our agent, can help us do this by reporting all claims directly to our office as soon as you are notified. How to report a loss (1st party): Fax or a Notice of Loss (Acord) to our office and, if required, an adjuster will be assigned the same day. If the loss is serious and requires immediate attention, please call our claim department, and an adjuster will be assigned. Please follow up with a Notice of Loss (Acord). How to report a claim (3rd Party): A Notice of Loss (Acord) should be faxed or ed to our office upon initial notice of the claim, and we will refer to an adjuster upon receipt. If the claim is serious, please call immediately and the company will be contacted. Please stress to the insured that all lawsuits should be reported the same day as received in order that the company may be notified. We will need a complete copy of the suit sent to our office immediately. If the insured has more than one policy or layered coverage, it is important that all carriers be put on notice. Some of our companies have staff adjusters; thus, upon receipt of a Notice of Loss in our office, the company will be contacted and the claim given immediate attention. LOSS RUNS: Can be obtained from our Claim Department. I.P.F. Corporation Bloss & Dillard Inc. will arrange premium financing for your insured through our in-house premium finance company, I.P.F. Corporation. Founded in October 1987, I.P.F. Corp. offers financing in West Virginia, Ohio, and Pennsylvania. I.P.F. Corporation is a fully licensed premium finance company offering premium financing exclusively to BDI producers. Their specialized service affords an easy payment plan for your insured and no-hassle arranging for you. I.P.F. can finance almost every Bloss & Dillard, Inc. policy. They can set up your insured s financing plan on monthly installments ranging from three to eight months. Contact your BDI underwriter or I.P.F. representative if you have any questions concerning premium financing. P.O. Box 7878 Huntington, WV p f

5 Surplus Lines Filing Surplus lines business of (a) any insurance coverage not acceptable to your standard contract companies; (b) any unusual coverage requiring tailoring of coverage which a standard market would not be equipped to handle; (c) any specialty coverage; (d) accounts presenting capacity problems. Bloss & Dillard, Inc. represents a group of companies which we have chosen, to provide stable, reliable and financially sound markets. As a contract agent for these companies, BDI has binding authority within the contract limits. You, as a producer, do not have binding authority but can have a risk bound by telephoning the underwriters at BDI. Surplus lines companies may be approved by state insurance departments but not admitted. Non-admitted companies are not regulated by the state insurance departments. Their rates and forms are not controlled. They do not file statistical results or pay taxes directly to the states. The taxes are collected and paid by the licensed excess lines broker, such as Bloss & Dillard, Inc. Further, these companies are not members of the State Guaranty Funds. As stated above, Bloss & Dillard, Inc. holds brokers licenses for the states in which they operate and are responsible for the companies that are used. They are required to keep detailed records, file surplus lines affidavits and pay the required state tax. Surplus lines filings are required by the State Insurance Department for all policies written in a non-admitted company. Bloss & Dillard, Inc. will forward the forms required by the state when quoting a policy written in a non-admitted company. These forms have specific time limits and must be completed and returned with your request to bind the policy. The rates of taxation are established by the State Insurance Department and must be collected and remitted to the state by Bloss & Dillard, Inc. Premium Accounting The industry-wide attitude toward premium collection and mode of handling has evolved like all other facets of the property and casualty insurance business. Company policies have required a tightening of collection and remittance procedures. Therefore, we adhere to the following requirements: All issued policies will appear on a monthly computerized account, whether previously invoiced, or arrangements made for financing the premium through one of the recognized premium finance organizations. Respectively, all cash exchanged will be reflected on the monthly account. It might be well to call to your attention that arranging for premium financing does not discharge the obligation of the agent to pay for all policies ordered. Any policies that are written with our direct bill companies, American Modern Home and Brickstreet, do not appear on the monthly agent statements. Separate checks are issued for any commissions due our agents on these types of accounts. Polices that have special payment requirements are noted on the quotes the underwriter issues, i.e. cash to bind, need payment within 10 days, etc. This does not appear on any invoices or statements issued. At the top left of our monthly account is the code number assigned to your agency. It will be most helpful in properly crediting your account if you will indicate that code number on your checks. Those agencies who have established credit with Bloss & Dillard, Inc. will have 15 days following the date appearing at the top of our account in which to remit. Except, however, there are certain markets that deal on a cash or 10-day remittance basis, and on policies involving those markets, we will continue invoicing. Our invoice will set forth the due date. It is necessary that all producers pay by our prepared account. We ask those few agencies still submitting accounts current to discontinue this practice. We recognize that special problems require special handling. If for some reason payment cannot be made by the due date, a prompt phone call to our Accounting Department will usually solve the problem. It is recognized that from time to time errors, ours or yours, may occur. If you question items on your account, please call them to our attention promptly, and we will take immediate action to resolve them. Our business has become increasingly complex, and today s cost of handling does not allow any margin for duplication of effort. Our main objective is to make doing business both more pleasant and more profitable for all concerned.

6 Commercial Auto Lines Written: Local, Intermediate and Long Haul Trucking All classes of business. Exception: haulers requiring 5MM limits. Reporting form policies available for fleet accounts Hot Items: Trucking Dump Trucks Garbage Trucks Mobile Home Toters Non-Trucking Tow Trucks (including on hook coverage) Contractors Logging & Lumber Steel Coal (all states except KY) Livery Operations Church Buses School Buses Taxicabs Limousines & Buses Courtesy Vehicles Home Health Care Vehicles Employee Transport Group Home Vehicles Daycare Airport Transportation Excess Commercial Auto All classes available Special Type Auto Ambulances (emergency & non-emergency) Driver Training Short Term Rental Vehicles Pizza and Fast Food Delivery Security Patrols Drive Away Contractors Motor Truck Cargo Cargo Liability Form/Owners Form Personal Property (in or off the vehicle) Reefer Breakdown Electronic Equipment Debris Removal Garage Operations Used Car Dealers Include Private Passenger Vehicles, Trucks, Tractors Repair & Body Shops Private Passenger, Motorcycles, ATVs, Frame Straighteners, Paint & Body Shops, and more Quotation Procedure: Telephone quotations available for risks with fewer than ten power units. Submissions are required for fleets of ten or more power units and for garage operations. Binding Authority: Note: Binding resides only with Bloss & Dillard, Inc. Several excellent carriers are available for the placement of your commercial automobile needs. BDI s in-house authority will assure you a quick response. Call us today for more information!

7 Personal Lines Lines Written: Dwelling Fire High-Value Homeowners Vacant Dwellings Mobilehomes Vacant Mobilehomes Personal Umbrella Excess Personal Umbrella Excess Personal Auto Liability Personal Inland Marine Motorcycles & ATVs Travel Trailers (Limited States) Classic Autos (Limited States) Boats & Jet Skis Quotation Procedure: Online rating or phone quotes are available for most classes. Binding Authority: Note: Binding Resides only with Bloss & Dillard, Inc. (Some Classes can be bound online) A+ Admitted Carriers for most lines of business. Send your submission to Visit our website!

8 Property & Casualty Lines Written: Property, Casualty, Brokerage, Professional, Excess & Umbrella, and Inland Marine Some common classes we review: Alarm Installation Apartments Bars Batting Machines Builders Risk Cable Line Installation Campgrounds Catering Operations Churches Coal Companies Contractors Convenience Stores Daycares Demolition Contractors Detective Operations Directors and Officers Liability Profit and Non-Profit Organizations Financial Institutions Employment Practices Liability Errors & Omissions Accountants Architects and Engineers Electronic Data Processors Insurance Claims Adjusters Lawyers Home Inspectors Consultants Excavation / Grading of Land Excess Liability Excess General Liability Excess Commercial Auto Umbrella Excess Commercial Liability Exercise Facilities Flea Markets Gas Stations General Contractors Grocery Stores Guides/Outfitters High-Value Property Home Health Care Ops Hunting Clubs Janitorial Operations Kennels Law Enforcement Liability Logging Machine Shops Masonry Risks Medical Equipment Stores Medical Facilities Mercantile Municipalities OCP Coverage Oil & Gas Operations Pest Control Exposures Pollution Liability Pressure Washing Businesses Products Liability Professional Liability Misc Prof for various classes Clinics Clinical Laboratories Firemen s E&O Hospitals Insurance Agents E&O Nursing / Convalescent Homes Call us today for more information!

9 Property & Casualty - Continued Continued classes: Public Officials Liability Repossession Operations Restaurants Social Service Organizations Special Events Sports Leagues Student Housing Swim Clubs Tanning Bed Liability Technology Professional Liability Tree Trimmers Trustees and Fiduciaries Liability Umbrella Vacant Buildings Vacant Land Various Mercantile Operations Warehouses Welders Quotation Procedure: By submission. Phone quotes are available for some classes. Binding Authority: Note: Binding resides only with Bloss & Dillard, Inc. All carriers are A rated with the majority being A+ or better. Excess & Umbrella: $1,000,000, in-house authority for commercial auto. Other umbrella and excess coverages are available by submission to the company. Call to discuss umbrella and excess. Send your submission to submissions@bloss-dillard.com Visit our website!

10 Workers Compensation Lines Written: Workers Compensation Coverage. Some common classes we review: Coal Mining Operations Contractors Oil & Gas Work Quotation Procedure: Submission only. Acord Applications required. Binding Authority: Binding Resides only with Bloss & Dillard, Inc. Call us today for more information!

11 THIRD AVENUE OHIO RIVER THIRD AVENUE FIFTH STREET HILL FIFTH AVENUE HAL GREER BOULEVARD HAL GREER BOULEVARD FIFTH AVENUE We re your neighbors. MIDLAND TRAIL Since 1954, Bloss & Dillard has been helping our neighbors get the coverage they need. We have the history and the knowledge you want with your insurance. Bloss & Dillard started with humble beginnings in 1954, and has proven to be a strong enterprise in the Huntington and the tri-state community. With our many years of knowledge of insurance, and our strong ties to this area, you can feel secure knowing that your insurance accounts are handled with the best in the business and the area. Contact us today to find out how we can help you, our neighbors, with all of your insurance needs. Look to Bloss & Dillard for coverage in: Commercial Auto I Personal Lines Property & Casualty I Workers Compensation Smartphones: scan and link directly to BDI! P.O. Box 7878 Huntington, WV (304) (800) f:(304) Serving independent insurance agents. Bloss & Dillard is a Managing General Agent (MGA). We don t sell our products directly to the insurance buying public. Our facilities are available exclusively to local agents and brokers. Our motto is Service to the Local Agent, not Competition. Send your submission to submissions@bloss-dillard.com Visit our website!

12 P.O. Box 7878 Huntington, WV p f