The Boatowners Program is designed to cover the following types of watercraft under 26 feet in length and with a hull value of $75,000 or less:

Size: px
Start display at page:

Download "The Boatowners Program is designed to cover the following types of watercraft under 26 feet in length and with a hull value of $75,000 or less:"

Transcription

1 Boatowners Program Introduction The Unigard Boatowners Program is designed to provide quality insurance for individuals who own pleasure type watercraft, including personal watercraft. Coverage is provided by either a separate Boatowners Policy or a Boatowners Endorsement and Watercraft Liability Endorsement attached to the homeowner policy. The Boatowners Policy provides Section I - Property Coverage and Section II - Watercraft Liability Coverage. Unigard s Boatowners Endorsement provides coverage similar to Section I of the Boatowners Policy and may be attached to a homeowner policy. Watercraft liability coverage may be extended under the homeowner policy by use of the Watercraft Liability Endorsement. The Boatowners Program is designed to cover the following types of watercraft under 26 feet in length and with a hull value of $75,000 or less: Outboard Boats Inboards or inboard-outdrive boats Sailboats The Boatowners Program is also available for personal watercraft. A personal watercraft is a small watercraft, powered by an inboard engine and jet pump mechanism. It can have a capacity of one, two or three riders. As part of our risk selection process, we require all Boatowners policies be supported by either a Unigard Homeowner or Personal Auto policy or an application for one of these coverages accompany the Boatowners application. Eligibility We require the watercraft be registered in the name of an individual or husband and wife. All operators of the watercraft must have driving records reflecting a responsible attitude in the operation of motorized vehicles. The applicant must have at least three years of boating experience and have completed a Power Squadron course when the hull value exceeds $50,000. Watercraft used for business purposes, to carry persons or property for a fee, or used in any official race or speed test are not eligible. Sailboats used occasionally for racing are eligible as are watercraft participating in predicted log cruises. Personal watercraft may not be bound without prior underwriting approval. Revised--May, 2007 California Boatowners Program Page 1

2 Eligibility (Cont d) The following types of watercraft present a greater-than-average exposure and are not eligible for coverage under Unigard s Boatowners Program: 1. Watercraft over 10 years of age (unless pre-approved by underwriting). 2. Watercraft with speeds in excess of 55 miles per hour. 3. Watercraft with motors or engines which exceed the manufacturer s recommended horsepower. 4. Special or unique boats such as swamp boats, motor-driven surfboards, ice boats, hydrofoils, collapsible, inflatable or amphibious boats, and homemade boats or boat kits. 5. Risks which have been cancelled, declined or non-renewed. Section I - Property Coverages Coverage A - Watercraft Covers the insured watercraft, permanently attached equipment, inboard or inboard-outdrive engine, and newly acquired replacement watercraft reported to us within 45 days. Coverage is on a replacement cost basis. Coverage B - Outboard Engines or Motors Covers outboard engines or motors or replacement engines or motors reported to us within 45 days. Portable fuel tanks located on the watercraft are also covered. Coverage C - Trailers Covers a trailer or a replacement reported to us within 45 days. Coverage D - Watercraft Accessories Covers equipment on board for the normal operation and maintenance of the watercraft. Watercraft equipment includes anchors, cushions, electronic equipment, fire extinguishers, horns, life preservers, lights, oars, tarpaulines, and sails. It does not include fishing tackle, water skis, other sports equipment, binoculars, cameras or other personal effects. Additional Coverages 1. Emergency Service Covers emergency service to the insured watercraft, motor or engine and trailer up to $75 per occurrence. 2. Wreck Removal Covers costs to remove, raise or destroy the wreck of an insured watercraft. Limited to 5% of Coverage A or $250, whichever is greater. 3. Reasonable Repairs Covers the cost of reasonable repairs to protect covered property from further loss. Revised--May, 2007 California Boatowners Program Page 2

3 Section II - Liability Coverage E - Watercraft Liability Covers bodily injury and property damage caused by an accident and resulting from the ownership, maintenance, or use of the insured watercraft. Coverage F - Medical Payments Covers medical expenses incurred within three years from the date of an accident causing bodily injury to any person while in, upon, boarding or leaving the insured watercraft. This coverage does not include the insured or regular residents of the household. Watercraft Medical Payments Coverage for Insureds is available as an additional coverage. This includes coverage for injuries to insureds resulting from the operation of or waterskiing from the insured watercraft. This coverage is available for all types of watercraft. Coverages and Limits Watercraft insured under Unigard s Boatowners Program are covered on a replacement cost basis with no deduction for depreciation. We require all boats be in above average condition and insured for their full retail value based on current boat price guides. The maximum limit of liability for Coverage A under the Boatowners Policy or the Boatowners Endorsement is $75,000. Deductibles The minimum Section I Deductible for the Boatowners Policy is $100 for watercraft other than personal watercraft. The minimum deductible for personal watercraft is $250. Higher deductibles are available. Policy Term All policies are issued for a term of one year. Short term policies are not allowed. When the Boatowners Endorsement is attached to a homeowner policy, the policy term must be the same. Minimum Premium The minimum premium for a Boatowners Policy is $50. The minimum does not apply to the Boatowners Endorsement. Cancellation All cancellations will be computed on a pro rata basis. Revised--May, 2007 California Boatowners Program Page 3

4 Boatowners Program Rates Section I - Property Coverages Rates for Section I coverages are developed by selecting the applicable rate based on the deductible amount and then applying that rate to the total amount of insurance for Coverages A, B, C and D combined. Rates shown are for each $100 of insurance. A. Territorial Definitions Territory 1: Entire State of California Deductible Watercraft Other than Personal Watercraft Personal Watercraft Hull Value All Hull Values $5,000 or less $5,001 or more $100 $1.30 Not written $3.20 $ B. Credit and Debit Rating Schedule (Section I Only) The following credits or debits are applied to the premium for Coverages A, B, C and D. Credits and debits are based on the operator s boating education (power squadron, for example) or personal watercraft (such as Jet Smart) education, protective device credits, hull type and fuel type. The maximum credit allowed will be 15%. Credits: 5% - Diesel engine 5% - Watercraft up to 5 years old 5% - Navigational courses or power squadron member 5% - Electronic theft prevention system 5% - Personal watercraft safety course or Jet Smart course 2% - Operable depth finder 10% - All sailboats Debits: 10% - Watercraft years old 15% - Watercraft 16 years and older Note: Watercraft over ten years old are not generally acceptable as new business. For watercraft 6 to 10 years old, charge the base rate. Revised--May, 2007 California Boatowners Program Page 4

5 Section II - Liability Coverages A. Watercraft Liability Coverage, Including Personal Watercraft Limits of Liability Cov. E $100,000 $300,000 $500,000 Exposure Cov. F $1000 $2000 $5000 $1000 $2000 $5000 $1000 $2000 $ Up to 15 feet Horsepower Up to to to to to to 26 feet Horsepower Up to to to to to to or more Note 1: Accumulate total horsepower if two or more engines or motors of the same horsepower are regularly used together with any single watercraft owned by the insured. Note 2: If two or more engines or motors of different horsepower are regularly used together with any single watercraft, charge the liability rate for the motor or engine with the highest horsepower. B. Watercraft Medical Payments Coverage for Insureds The policy may be extended to include Watercraft Medical Payments Coverage for Insureds. This coverage provides protection for members of the insured s family in the event an injury occurs out of the operation of or waterskiing from the insured watercraft. The additional premium is: Limit Of Liability Premium $1,000 $14 $2,000 $19 $5,000 $34 Note: This coverage is available for all types of watercraft. Attach Endorsement Watercraft Medical Payments Coverage for Insureds Revised--May, 2007 California Boatowners Program Page 5

6 This page left intentionally blank. Revised--August, 1996 California Boatowners Program Page 6

PLEASURE BOAT INSURANCE COVERAGE INFORMATION

PLEASURE BOAT INSURANCE COVERAGE INFORMATION PLEASURE BOAT INSURANCE COVERAGE INFORMATION This brochure is designed to help you navigate the sometimes confusing waters of pleasure boat insurance. Your boat and personal belongings are very important

More information

Amended Date of New & Revised Material Updates. How To Reach Us

Amended Date of New & Revised Material Updates. How To Reach Us Oregon Washington Watercraft Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Underwriting

More information

Guide to Boat Insurance:

Guide to Boat Insurance: Guide to Boat Insurance: Coverage for Non-Commercial Boats and Ways to Reduce Costs Commonwealth of Massachusetts Division of Insurance January 2007 How to Use This Guide Your boat is one of your most

More information

A CONSUMER'S GUIDE TO BOAT INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO BOAT INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO BOAT INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance recognizes

More information

INSURANCE ADMINISTRATION

INSURANCE ADMINISTRATION A CONSUMER GUIDE TO INSURANCE FOR BOATS AND PERSONAL WATERCRAFT INSURANCE ADMINISTRATION TABLE OF CONTENTS Introduction...1 Do I Need Insurance On My Boat or Personal Watercraft?...1 What Types of Policies

More information

boatowners insurance protecting your dreams

boatowners insurance protecting your dreams boatowners insurance protecting your dreams protect your dream boat. There s nothing like being on the water. It s what you love to do. Boating is part of your life and your lifestyle and you want to protect

More information

WATERCRAFT INSURANCE PROTECTING YOUR DREAMS

WATERCRAFT INSURANCE PROTECTING YOUR DREAMS WATERCRAFT INSURANCE PROTECTING YOUR DREAMS PROTECT YOUR DREAM BOAT. There s nothing like being on the water. It s what you love to do. Boating is part of your life and your lifestyle and you want to protect

More information

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The HO Policy There s Coverage In Those Exclusions Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781 NORTH KINGSTOWN,

More information

Chapter 21. Agenda. Personal liability insurance 4/14/2015. Homeowners Insurance, Section II

Chapter 21. Agenda. Personal liability insurance 4/14/2015. Homeowners Insurance, Section II Chapter 21 Homeowners Insurance, Section II Agenda Personal liability insurance Section II Coverages Section II Exclusions Section II Additional Coverages Section II Conditions Endorsements to a Homeowners

More information

BOATOWNERS UNDERWRITING GUIDE

BOATOWNERS UNDERWRITING GUIDE Assurant Specialty Property PO BOX 47000 Jacksonville, FL 32247-7000 T 800-874-1738 F 800-342-9156 Protect What Matters BOATOWNERS UNDERWRITING GUIDE April 2012 A7012M0312 INDEX Page INTRODUCTION... 1

More information

Pacific Specialty Insurance Company State of Michigan Pleasure Boat Manual

Pacific Specialty Insurance Company State of Michigan Pleasure Boat Manual State of Michigan Pleasure Boat Manual (Edition 1) I. POLICY TERM Policies will be written for 12-month terms only. Installment Payment Plan option is available. A premium invoice will be mailed directly

More information

Means you the policyholder and your Spouse.

Means you the policyholder and your Spouse. WATERCRAFT 1. HELPFUL DEFINITIONS You/your/yourself/yours: Watercraft: Means you the policyholder and your Spouse. Means a boat used on water for pleasure and private purposes with a maximum design speed

More information

Telephone No. (W) (H) (FAX) E-mail address. (a) Number of years as owner of this type of craft

Telephone No. (W) (H) (FAX) E-mail address. (a) Number of years as owner of this type of craft Proposal for Private Pleasure Craft Insurance Before completing this proposal please note specially that failure to disclose all material information, i.e. information which is likely to influence the

More information

OREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX

OREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX INDEX General Instructions... MH-1 Basic Coverages and Limit of Liability... MH-1 Description of Coverage... MH-1 Deductible... MH-1 Application... MH-2 Binders... MH-2 Replacement Value Coverage C (H109)...

More information

INDEPENDENT INSURANCE AGENTS OF LOUISIANA 9818 BLUEBONNET BOULEVARD BATON ROUGE, LA 70810 TEL: 225/819-8007 FAX: 225/819-8027 www.iial.

INDEPENDENT INSURANCE AGENTS OF LOUISIANA 9818 BLUEBONNET BOULEVARD BATON ROUGE, LA 70810 TEL: 225/819-8007 FAX: 225/819-8027 www.iial. INDEPENDENT INSURANCE AGENTS OF LOUISIANA 9818 BLUEBONNET BOULEVARD BATON ROUGE, LA 70810 TEL: 225/819-8007 FAX: 225/819-8027 www.iial.com TA 207 Date: June 11, 2002 SUBJECT: Summertime Brings A Plethora

More information

TEXAS HOMEOWNERS LIABILITY COMPARISON

TEXAS HOMEOWNERS LIABILITY COMPARISON DEFINITIONS Business Includes trade, profession or occupation An activity engaged in on a full-time, part-time or occasional basis for compensation, except: (1) activities for which no insured receives

More information

BOAT DEALER/ MARINA OPERATOR This is not a Binder

BOAT DEALER/ MARINA OPERATOR This is not a Binder BOAT DEALER/ MARINA OPERATOR This is not a Binder Great American Insurance Company of New York Great American Insurance Company NAME OF APPLICANT PRODUCER NAME AND ADDRESS ADDRESS - NUMBER AND STREET CITY

More information

Enhanced Homeowners Forms

Enhanced Homeowners Forms Enhanced Homeowners Forms ENHANCED HOMEOWNERS PROGRAM Enumclaw Property and Casualty offers a simplified approach to providing Enhanced Homeowners protection. The Enhanced Homeowners policy is a self-contained,

More information

DIVE BOAT INSURANCE www.diveinsurance.com

DIVE BOAT INSURANCE www.diveinsurance.com 2015-2016 PADI-ENDORSED DIVE BOAT INSURANCE www.diveinsurance.com Insurance is critical for your dive boat operation. But, you need more than just insurance; you need security, stability and custom-tailored

More information

Table of Contents. Coverage Options Pg. 7. Contact Information Pg. 10 Windstorm Disclosure Notice Pg. 11

Table of Contents. Coverage Options Pg. 7. Contact Information Pg. 10 Windstorm Disclosure Notice Pg. 11 Table of Contents Program Highlights Pg. 3 General Information Pg. 4 New Business & Quote Referrals Pg. 4 Eligibility & Unacceptable Risks Pg. 5 Owner & Operator Information Pg. 6 Boat Information Pg.

More information

FREMONT MUTUAL INSURANCE COMPANY

FREMONT MUTUAL INSURANCE COMPANY PUM Page No. INDEX 1 Application 1 Binding Authority 2 Commercial Exposures 1 Coverage 1 Definitions 5 Discounts 2 Ineligible Risks 1 Introduction 2 Limits Available 3 Minimum Limits of Underlying Insurance

More information

Wilshire Insurance Company

Wilshire Insurance Company Wilshire Insurance Company ARIZONA MOBILE HOMEOWNERS (HO-3) PROGRAM OWNER OCCUPIED AND SEASONAL PROGRAM P. O. Box 30527 Phoenix, AZ 85046 (602) 494-6900 FAX: (602) 494-6999 www.statewide-insurance.com

More information

New Hampshire Personal Umbrella Manual. Policy issued Middlesex Mutual Assurance Company Middletown, CT

New Hampshire Personal Umbrella Manual. Policy issued Middlesex Mutual Assurance Company Middletown, CT New Hampshire Personal Umbrella Manual Policy issued Middlesex Mutual Assurance Company Middletown, CT Table of Contents I. Introduction 4 II. Underwriting Philosophy 4 Page(s) III. Underwriting Eligibility

More information

COVERAGES AND ENDORSEMENTS

COVERAGES AND ENDORSEMENTS 1 DESCRIPTION OF PERSONAL AUTO COVERAGE The following is a general description of the coverages provided by the Personal Auto coverage form. The policy deductible applies to coverages and endorsements

More information

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES ML-9 Ed. 1/87 LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES Coverage L-Personal Liability We pay, up to our limit of liability, all sums for which any insured is legally

More information

Renters Insurance. When you want to leave nothing to chance.

Renters Insurance. When you want to leave nothing to chance. Renters Insurance When you want to leave nothing to chance. Property Coverage The Renters Policy protects your possessions in the event of: Fire Lightning Windstorm Hail Explosion Riot Aircraft Damage

More information

California. Umbrella Product Guide. What s New Effective Date of Revised Material Updates

California. Umbrella Product Guide. What s New Effective Date of Revised Material Updates Table of Contents California Umbrella Product Guide What s New Effective Date of Revised Material Updates Product Overview Description of Coverage Policy Term Retained Limit Insured Eligibility Home Care

More information

First Choice Watercraft Program & JetSport Personal Watercraft Program. Underwriting Guidelines

First Choice Watercraft Program & JetSport Personal Watercraft Program. Underwriting Guidelines American Modern Home Insurance Company American Family Home Insurance Company American Southern Home Insurance Company American Modern Insurance Company See Individual State Rate Schedules for Rates and

More information

LIABILITY COVERAGE SECTION-FARM

LIABILITY COVERAGE SECTION-FARM ML-10 Ed. 1/87 LIABILITY COVERAGE SECTION-FARM DEFINITIONS-The following additional definitions apply to the Liability Coverage Section. 1. Farming means the ownership, maintenance or use of premises for

More information

Operating a dive boat is an exciting and unusual occupation. Meeting new people, sharing new experiences

Operating a dive boat is an exciting and unusual occupation. Meeting new people, sharing new experiences Insurance is critical for your dive boat operation. But, you need more than just insurance, you need security, stability and custom-tailored coverage at a competitive price. PADI-endorsed Dive Boat Insurance

More information

Helping to Protect You and Your Toys!

Helping to Protect You and Your Toys! Helping to Protect You and Your Toys! Insurance options may vary from those described in these materials in DC, DE, HI, ME, MT, ND, NH, NM, NV, RI, SD, VT, WV and WY. 43% of American boat owners are currently

More information

2014 WATERCRAFT UNDERWRITING GUIDE Boatowners and Personal Watercraft

2014 WATERCRAFT UNDERWRITING GUIDE Boatowners and Personal Watercraft US Insurance Services P.O. Box 47000 Jacksonville, FL 32247-7000 Toll Free 800-874-1738 Fax 800-342-9156 http://usis.recprodins.com 2014 WATERCRAFT UNDERWRITING GUIDE Boatowners and Personal Watercraft

More information

Personal Lines: Umbrella, Watercraft & Mobile Homes. John Dismukes January 28, 2014 3 Property & Casualty Continuing Education Credits

Personal Lines: Umbrella, Watercraft & Mobile Homes. John Dismukes January 28, 2014 3 Property & Casualty Continuing Education Credits Personal Lines: Umbrella, Watercraft & Mobile Homes John Dismukes January 28, 2014 3 Property & Casualty Continuing Education Credits PERSONAL LINES COVERAGES By John M. Dismukes, Jr., CIC, CPCU, AAI,

More information

YACHT & HIGH PERFORMANCE INSURANCE APPLICATION

YACHT & HIGH PERFORMANCE INSURANCE APPLICATION GENERAL AGENT CODE: YACHT & HIGH PERFORMANCE INSURANCE APPLICATION PRODUCER CODE: APPLICANT NAME: CORPORATE TITLED? Yes No PRODUCER NAME & ADDRESS MAILING ADDRESS: CITY / STATE / ZIP: PRODUCER PHONE NUMBER:

More information

Personal property insurance: homeowner and auto insurance.

Personal property insurance: homeowner and auto insurance. Insurance and Social Insurance Personal property insurance: homeowner and auto insurance. Agenda Homeowners Insurance Basics Analysis of Homeowners 3 Policy Section I Coverages Section I Perils Insured

More information

made simple Boat Insurance What s inside:

made simple Boat Insurance What s inside: Boat Insurance made simple What s inside: How to read an Allstate Boatowners Policy Declarations Understanding boatowners insurance Coverages Deductibles Coverage limits What to do in case of an accident

More information

TRAVELERS PERSONAL LIABILITY UMBRELLA (PLUS) KANSAS (15)

TRAVELERS PERSONAL LIABILITY UMBRELLA (PLUS) KANSAS (15) PLUS RISK SELECTION GUIDE AND ELIGIBILITY REQUIREMENTS The following guidelines are designed to assist you in identifying risks that are eligible for our Personal Liability Umbrella of Security Policy

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

Your Boat Insurance Policy Summary

Your Boat Insurance Policy Summary Your Boat Insurance Policy Summary Summary of cover The Your Boat Insurance Policy is an annually renewable insurance designed for pleasure craft, arranged, administered and issued by Towergate Insurance.

More information

Boat. Release 3. Program & Underwriting Guidelines

Boat. Release 3. Program & Underwriting Guidelines Boat Release 3 Program & Underwriting Guidelines Drive Boat Insurance WORK WITH PEOPLE WHO REALLY UNDERSTAND BOAT INSURANCE The Progressive Group of Insurance Companies has been insuring boaters for more

More information

64th Legislature AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR

64th Legislature AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR 64th Legislature HB0375 AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR PROPERTY DAMAGE; AMENDING SECTION 61-6-103, MCA; AND PROVIDING AN APPLICABILITY DATE. BE IT ENACTED

More information

Auto Repair and Service Insurance Application

Auto Repair and Service Insurance Application Auto Repair and Service Insurance Application INSTRUCTIONS: ALL QUESTIONS MUST BE ANSWERED IN FULL. INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED MVR S MUST BE SUBMITTED ON ALL OWNERS AND EMPLOYEES. Producer

More information

UNDERWRITING GUIDELINES/ PROGRAM MANUAL

UNDERWRITING GUIDELINES/ PROGRAM MANUAL HEADLINE UNDERWRITING GUIDELINES/ PROGRAM MANUAL norman-spencer.com/dealerrevenueprogram These guidelines are provided to assist you in evaluating the acceptability of each customer in our AquaPac Boat

More information

COMMERCIAL MARINE INSURANCE APPLICATION

COMMERCIAL MARINE INSURANCE APPLICATION COMMERCIAL MARINE INSURANCE APPLICATION Requested Effective Date Applicant Name General Agent Code: Producer Code: Producer Name & Address Mailing Address City / St. / Zip Code Principal Contact; Title

More information

belongings? It may surprise you to know that the average renter purchases approximately

belongings? It may surprise you to know that the average renter purchases approximately Renters Insurance State Farm coverage for just pennies a day belongings? It may surprise you to know that the average renter purchases approximately own if something should happen? With a State Farm Renters

More information

Workers compensation exposure checklist

Workers compensation exposure checklist PIA Doc. No. 90583 Workers compensation exposure checklist To contact PIA for more information, or to request a QuickSource document index, contact: phone: (800) 424-4244 fax: (888) 225-6935 email: resourcecenter@pia.org

More information

Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb

Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb Policy Highlights Chubb Group Personal Excess Liability Insurance provides additional liability coverage up to $50 million

More information

COVERAGES & ENDORSEMENTS

COVERAGES & ENDORSEMENTS ACCIDENTAL DEATH OR DISMEMBERMENT Endorsement PPT100 applies to Personal Autos. This optional endorsement provides coverage for your death, dismemberment or loss of sight. If within ninety (90) days from

More information

Texas Homeowner Forms and Endorsements Description

Texas Homeowner Forms and Endorsements Description Texas Homeowner The following is a brief description of the ISO Homeowners Policy Forms. HO 00 03 10 00. Homeowners 3 Special Form. This form is analogous to the Texas Homeowners Policy - Form B. A side-by-side

More information

KANSAS MUTUAL INSURANCE COMPANY DELUXE HOMEOWNERS PROGRAM. General Index Page

KANSAS MUTUAL INSURANCE COMPANY DELUXE HOMEOWNERS PROGRAM. General Index Page General Index Page Rule No. ACV Roofing Additional Amount or Coverages Additional Insureds Additional Living Expense--Increased Limit Additional Residences (1) Occupied by Insured (2) Rented to Others

More information

YACHT & MOTOR BOAT INSURANCE PROPOSAL FORM. Name of Vessel : Type : Date of Purchase : Tonnage (T.M.) : Price Paid : When Built : Builders Name :

YACHT & MOTOR BOAT INSURANCE PROPOSAL FORM. Name of Vessel : Type : Date of Purchase : Tonnage (T.M.) : Price Paid : When Built : Builders Name : YACHT & MOTOR BOAT INSURANCE PROPOSAL FORM Name of Vessel : Type : Date of Purchase : Tonnage (T.M.) : Price Paid : When Built : Builders Name : Length : O.A. W.I. Beam : Draft Material of Hull : Sail

More information

PERSONAL LIABILITY COVERAGE SECTION

PERSONAL LIABILITY COVERAGE SECTION ML-9A Ed. 6/99 PERSONAL LIABILITY COVERAGE SECTION This coverage applies to the following insured(s); enter names only when different from those on the Declarations. Named Insured: This endorsement serves

More information

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE FMHGL-9 This endorsement changes the Commercial Liability Ed 1.0 Coverage provided by this policy Page 1 of 7 -- PLEASE READ THIS CAREFULLY -- PERSONAL LIABILITY COVERAGE (The information required below

More information

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE This endorsement changes the Commercial Liability Coverage provided by this policy Page 1 of 6 -- PLEASE READ THIS CAREFULLY -- PERSONAL LIABILITY COVERAGE (The information required below may be shown

More information

Insuring Your Farm... The Basics of Property & Liability Coverage. A Publication of the Maine Bureau of Insurance

Insuring Your Farm... The Basics of Property & Liability Coverage. A Publication of the Maine Bureau of Insurance Maine Bureau of Insurance 34 State House Station Augusta ME 04333 Insuring Your Farm... The Basics of Property & Liability Coverage A Publication of the Maine Bureau of Insurance Table of Contents The

More information

A Safe Harbor. for Boats Large and Small

A Safe Harbor. for Boats Large and Small A Safe Harbor for Boats Large and Small Is your insurance program seaworthy? Perhaps you bought a boat so you could relax and get away from it all. Or, maybe you re a sailor at heart, drawn by the thrill

More information

NEW JERSEY RE-INSURANCE COMPANY UMBRELLA INSURANCE APPLICATION

NEW JERSEY RE-INSURANCE COMPANY UMBRELLA INSURANCE APPLICATION NEW JERSEY RE-INSURANCE COMPANY UMBRELLA INSURANCE APPLICATION Instructions for completing your Umbrella Insurance Application. We are pleased to provide you with the following Personal Umbrella Liability

More information

APPLICATION FOR INSURANCE COVERAGE

APPLICATION FOR INSURANCE COVERAGE APPLICATION FOR INSURANCE COVERAGE Policy Eff. Date: Date Needed: Current Carrier: Name of Applicant: Indiv. Corp. Part. Mailing Address: New Renewal City: ST.: Zip: - Bus Telephone: Person to Contact:

More information

Serving others around the world. A personal insurance plan for Foreign Missionaries

Serving others around the world. A personal insurance plan for Foreign Missionaries Serving others around the world. A personal insurance plan for Foreign Missionaries GALLAGHER CHARITABLE Foreign Missionary Insurance Plan A personal insurance plan for you. Gallagher Charitable International

More information

UNIGARD INSURANCE COMPANY. Idaho PERSONAL UMBRELLA MANUAL

UNIGARD INSURANCE COMPANY. Idaho PERSONAL UMBRELLA MANUAL UNIGARD INSURANCE COMPANY Idaho PERSONAL UMBRELLA MANUAL Idaho Personal Lines Personal Umbrella i Application Binding Coverage Increased Limits Limits of Liability Introduction Policy Term Premium Determination

More information

Suncorp Boat Insurance. Your Guide to Premiums, Excesses, Discounts and Claim Payments

Suncorp Boat Insurance. Your Guide to Premiums, Excesses, Discounts and Claim Payments Suncorp Boat Insurance Your Guide to Premiums, Excesses, Discounts and Claim Payments Your Guide to Premiums, Excesses, Discounts and Claim Payments The purpose of this guide is to provide further detail

More information

WATERCRAFT APPLICATION

WATERCRAFT APPLICATION BOAT HULL NO: AGENCY WATERCRAFT APPLICATION CARRIER DATE (MM/DD/YYYY) NAIC CODE APPLICANT'S NAME AND MAILING ADDRESS (Include county & ZIP+4) CONTACT NAME: PHONE (A/C, No, Ext): FAX (A/C, No): E-MAIL ADDRESS:

More information

FARM UMBRELLA. 1.4 Five year loss history must be submitted with the application. 1.5 Details of all losses over $10,000.

FARM UMBRELLA. 1.4 Five year loss history must be submitted with the application. 1.5 Details of all losses over $10,000. FARM UMBRELLA Program Description This program contains the rules and rates governing the writing of Farm Umbrella Liability Policies. The Farm Umbrella Liability Policy is designed to cover above average,

More information

Witherspoon and Associates / CHARTER LAKES PASSENGER VESSEL INSURANCE APPLICATION

Witherspoon and Associates / CHARTER LAKES PASSENGER VESSEL INSURANCE APPLICATION Witherspoon and Associates / CHARTER LAKES PASSENGER VESSEL INSURANCE APPLICATION REGISTERED OWNER OR LEASEE NAME & ADDRESS DOING BUSINESS AS: PRODUCER 709 Blackhorse Pkwy., Franklin, TN 37069 615-599-0334

More information

WATERCRAFT APPLICATION

WATERCRAFT APPLICATION BOAT HULL NO: AGENCY WATERCRAFT APPLICATION CARRIER DATE (MM/DD/YYYY) NAIC CODE APPLICANT'S NAME AND MAILING ADDRESS (Include county & ZIP+4) CONTACT NAME: PHONE (A/C, No, Ext): FAX (A/C, No): E-MAIL ADDRESS:

More information

RESIDENT LIABILITY COVERAGE POLICY

RESIDENT LIABILITY COVERAGE POLICY Page 1 of 6 RESIDENT LIABILITY COVERAGE POLICY As part of a rental agreement, your your lease requirement. landlord may require you to carry liability coverage. This policy satisfies Definitions We, Us,

More information

The Latitude Options Policy for Pleasurecraft Policy Summary

The Latitude Options Policy for Pleasurecraft Policy Summary The Latitude Options Policy for Pleasurecraft Policy Summary Summary of cover The Towergate Insurance Latitude Options Policy is an annually renewable insurance designed for pleasurecraft. This is a summary

More information

If the yacht is corporately owned please complete the remainder of this section about the person(s) who is/are the ultimate user(s)of the yacht.

If the yacht is corporately owned please complete the remainder of this section about the person(s) who is/are the ultimate user(s)of the yacht. Items marked with * are required. Section 1: Ownership details Name of insured* Contact information Telephone [ ] Fax [ ] Mobile Email If the yacht is corporately owned please complete the remainder of

More information

POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY

POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY ST-7680 (Ed. 04-12) New policy look. Same quality. POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY Thank you for renewing your insurance with Harleysville. Your business insurance for your garage operations

More information

PERSONAL LIABILITY PERSONAL LIABILITY DL 24 01 12 02

PERSONAL LIABILITY PERSONAL LIABILITY DL 24 01 12 02 PERSONAL LIABILITY PERSONAL LIABILITY DL 24 01 12 02 AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

More information

WATERCRAFT UMBRELLA INSURANCE 05/04

WATERCRAFT UMBRELLA INSURANCE 05/04 WATERCRAFT & UMBRELLA INSURANCE i TABLE OF CONTENTS PART ONE 1 WATERCRAFT INSURANCE 1 INSURANCE ON WATERCRAFT 1 HULL AND TRAILER LOSS EXPOSURES... 2 HOMEOWNER'S POLICY - PHYSICAL DAMAGE COVERAGE... 2 PERSONAL

More information

Boat Insurance. Your Guide to Premiums, Excesses, Discounts and Claim Payments

Boat Insurance. Your Guide to Premiums, Excesses, Discounts and Claim Payments Boat Insurance Your Guide to Premiums, Excesses, Discounts and Claim Payments The insurer is AAI Limited ABN 48 005 297 807 AFSL 230859 trading as GIO. This product is distributed by Resilium Pty Ltd ABN

More information

Yacht and Boat Insurance

Yacht and Boat Insurance From ski boats to large luxury yachts and all those in between you ll want to be covered by the nation s oldest marine insurance provider. Marine Expertise and Dedicated Service ACE s experienced staff

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information

CHAPTER 28 Insurance

CHAPTER 28 Insurance CHAPTER 28 Insurance Chapter Objectives After studying this chapter, you will be able to describe types of automobile insurance coverage. explain the importance of health insurance as a fringe benefit

More information

Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT

Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT SSE 001 01 12 For an additional premium, we will provide the following: SECTION I - PROPERTY COVERAGES Coverage A

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application NATIONAL INDEMNITY COMPANY OF THE SOUTH NATIONAL LIABILITY & FIRE INSURANCE COMPANY Administrative Office Omaha, Nebraska Desired Policy Term From: To: 1. Named

More information

Personal Umbrella Product for Preferred Applicants

Personal Umbrella Product for Preferred Applicants ABRAM INTERSTATE INSURANCE SERVICES, INC. Personal Umbrella Product for Preferred Applicants Our Personal Umbrella product for Preferred Applicants is designed for risks with favorable driving records

More information

boat insurance application

boat insurance application boat insurance application CGU Marine Insurance A Division of CGU Insurance Limited ABN 27 004 478 371 Please read the following information carefully. Tear off this page and keep for your reference. Your

More information

Canal Truck Insurance Application

Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)

More information

BOATING SAFETY EDUCATION REQUIREMENT

BOATING SAFETY EDUCATION REQUIREMENT A vessel which is lawfully numbered in another state and which is brought into and kept in North Carolina may be used on the waters of this state during the 90 day period immediately ensuing its introduction

More information

PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA. Non-Franchised Auto Dealers Program Underwriting and Rate Guide

PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA. Non-Franchised Auto Dealers Program Underwriting and Rate Guide PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA Non-Franchised Auto Dealers Program Underwriting and Rate Guide General Information 1. A fully completed and signed application is required on all

More information

RIVIERA VILLAS SLIP RENTAL 2014

RIVIERA VILLAS SLIP RENTAL 2014 RIVIERA VILLAS SLIP RENTAL 2014 RENTER: TYPE OF BOAT: LENGTH OA: BEAM: YEAR: NAME OF BOAT: REGISTRY #: *ALL FIELDS MUST BE COMPLETED AND INSURANCE MUST BE ATTACHED* DOCK #: 1 SLIP #: SLIP SIZE: This agreement

More information

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property

More information

0000 efgh ijkl. YOUR TRAVELERS BOAT POLICY from Travelers

0000 efgh ijkl. YOUR TRAVELERS BOAT POLICY from Travelers 0000 efgh ijkl YOUR TRAVELERS BOAT POLICY from Travelers 44201 . TOC44201 SECTION ONE: YOUR TRAVELERS BOAT POLICY QUICK REFERENCE DECLARATIONS PAGE Your Name and Address Policy Period Your Insured Property

More information

Guide to Insurance for Off-Road and Recreational Vehicles. Commonwealth of Massachusetts Division of Insurance

Guide to Insurance for Off-Road and Recreational Vehicles. Commonwealth of Massachusetts Division of Insurance Guide to Insurance for Off-Road and Recreational Vehicles Commonwealth of Massachusetts Division of Insurance January 2007 How to Use This Guide This guide is intended to describe insurance for off-road

More information

Renewal procedures differ depending on the type of account being renewed. However, renewing policies typically involves

Renewal procedures differ depending on the type of account being renewed. However, renewing policies typically involves Renewals Renewing a policy is an opportunity to o Reconnect with your clients; o Review their portfolios; and o Introduce new developments in the market or in insurance products. Renewal retention is a

More information

Pleasure Craft Insurance Product Disclosure Statement and Policy Wording

Pleasure Craft Insurance Product Disclosure Statement and Policy Wording QBE Insurance Australia Pleasure Craft Insurance Product Disclosure Statement and Policy Wording For all enquiries or to locate your nearest branch call 133 723 or the phone number at the top of your schedule

More information

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE AAIS -- THIS IS A LEGAL CONTRACT -- PLEASE READ IT CAREFULLY GL-1 Ed 1.0 PERSONAL LIABILITY COVERAGE TABLE OF CONTENTS Agreement...1 Definitions...2 Principal Personal Liability Coverages Coverage L --

More information

Please fully complete and print the Application, obtain the insured's signature and forward it to your Program Administrator for processing.

Please fully complete and print the Application, obtain the insured's signature and forward it to your Program Administrator for processing. ANY CHANGES MADE TO AN ANSWER ON THIS APPLICATION MUST BE INITIALED BY THE APPLICANT. PLEASE PRINT ALL INFORMATION CLEARLY. Personal Umbrella Liability Insurance Application RLI Insurance Company Name

More information

Pantaenius Yacht Third Party Liability Clauses

Pantaenius Yacht Third Party Liability Clauses Definitions Combined Single Limit Insured Legal Liability Policyholder Natural Person Recklessness Third Party Vessel Wilful Act The maximum liability of the Insurers under this policy in respect of any

More information

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Date November 1, 2011 Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the

More information

Our Insurance services. Where to find

Our Insurance services. Where to find Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

AGENCY UNDERWRITING GUIDE

AGENCY UNDERWRITING GUIDE AGENCY UNDERWRITING GUIDE UNDERWRITING GUIDELINE MANUAL For Connecticut Personal Lines Department Rev. 01 13 TABLE OF CONTENTS Page I. Homeowner 1 II. Personal Inland Marine 9 III. Boatowner 10 IV. Landlord

More information

A Consumer s Guide to Personal Auto Insurance

A Consumer s Guide to Personal Auto Insurance Maine Bureau of Insurance 34 State House Station Augusta, ME 04333-0034 A Consumer s Guide to Personal Auto Insurance A Publication of the Maine Bureau of Insurance June 2015 Paul R. LePage Governor Eric

More information

Ask Mike #2012-10 CGL. Issue #1: Watercraft exclusion. Here are excerpts from the CGL exclusion for watercraft:

Ask Mike #2012-10 CGL. Issue #1: Watercraft exclusion. Here are excerpts from the CGL exclusion for watercraft: Ask Mike #2012-10 Subject: Contractual Liability vs. Exclusions CGL/HO Q. One of my large commercial insureds has approached me with an unusual situation. Jack is the CEO and principle stockholder of a

More information

Business Auto Insurance

Business Auto Insurance Business Auto Insurance Overview of Chapter 5, CPCU 4 I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos - common definition -

More information

Working together to keep your customers talking. Telecommunications Insurance Plan

Working together to keep your customers talking. Telecommunications Insurance Plan Working together to keep your customers talking. Telecommunications Insurance Plan Working together to keep your customers talking. We re here to serve you Over the last 40+ years Farmers Union Insurance

More information

Insurance Primer. Collector Car Insurance

Insurance Primer. Collector Car Insurance Insurance Primer A Crash Course in Collector Car Insurance Finally, you own the vehicle you ve spent a lifetime dreaming about. Now what? The next step is to protect your investment. Auto policies covering

More information

MARKEL MARINE TRADESMAN INSURANCE APPLICATION

MARKEL MARINE TRADESMAN INSURANCE APPLICATION MARKEL MARINE TRADESMAN INSURANCE APPLICATION Desired Effective Date: General Agent Code: Producer Name: Producer Address: Producer Phone #: Agent Contact Email: AGENT INFORMATION Producer Code: Section

More information