Who We Are. Service Standards. Quick Market Guide. Cargo/Physical Damage Program. Repossession Program. Intermodal Trucking Program

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1 Who We Are Service Standards Quick Market Guide tow Program Cargo/Physical Damage Program Repossession Program Intermodal Trucking Program Hazardous Material Hauler Program and Pollution Control Commercial Auto Program 1TOC.09/13

2 Who We Are Trinity Underwriting Managers was founded to be the premier underwriting management firm catering to the specialty needs of agents across the country. We have developed a no-nonsense approach to program management and underwriting through the use of industry-leading technology and proven hands-on underwriting. Trinity has the ability to offer our agents the unique combination of quality and thoughtful underwriting with extremely high levels of service and commitment. The insurance industry has changed considerably over the years, and with it, the agents needs. Agents demand service, quality and commitment to their business. Trinity has invested in systems and personnel to make agents expectations a reality. We focus on our service and underwriting standards, continually working to expand our programs in order to be the primary underwriting firm for our agents. Trinity Underwriting is one of the nation s foremost special program management firms specializing in commercial transportation related insurance programs. We offer a full line of products designed for specialty classes of haulers. Trinity focuses on a small segment of the insurance industry so that we can offer only the very best to our customers. We may not do everything, but everything we do is the best and second to none! Trinity is constantly evolving to meet the needs of our clients and adapt to their industries. Our heritage serves as the foundation of our future success. Experience you can trust. Jason Barlow President 2WWA.09/13

3 Service Standards When partnering with Trinity Underwriting Managers, you can expect excellence. Below are some standards that Trinity maintains: Most accounts will be quoted the same day. A designated underwriter will be assigned to your account. Policies will be issued within five business days, sooner when possible. Endorsements will be processed within five business days. Our personal service means a live person will answer your call and will be happy to talk with you. Exemplary customer service. Agents will earn competitive commissions. Policyholders will enjoy competitive pricing and rates. Broad coverages. Solid markets. Many financing options. A solid, experienced and dedicated management team. 3SS1.9/13

4 TUMI Quick Market Guide Market Lines Commission Notes/Guidelines/Appetite Arch Insurance Company, BINDING Arch Insurance Company, BINDING Arch Insurance Company, BINDING Diamond State Insurance Company BINDING Allianz BINDING Scottsdale Insurance Company/ National Casualty Chartis - The Truck Insurance Group Towing Program Intermodal Trucking Program Repo Program Local and Intermediate Auto, Contractor Auto Cargo, Contingent Cargo, Excess cargo, Phys dam AL, GL, Cargo, Phys- Dam National Indemnity (NICO) AL, GL, phys dam and cargo, Garage AIG Global Marine - Cargo, WLL, Builders admitted Risk, Mobile Equipment 10% Nationwide program for Towing and recovery operators with or without ancillary garage or storage operations. New Ventures are acceptable with experience. 10% Program designed for Intermodal accounts, Package including AL, PD, Cargo, Broadened Pollution, UIIA Endorsement. 10% AL, GL, wrongful Repo language, GKDP up to 1,000,000 limit Excess available up to 1,000,000 with Arch. Broad Cargo form. 10% Nationwide Product for Risks that travel up to 300 miles. Broad appetite of classes. Local Trucking (not for hire), Garbage Operations, contractor auto. 50 unit Max 10% Very competitive Cargo market. Great market for writing Cargo and Phys dam in Tandem 10% competitive on Sand and Gravel, Fuel Haulers, Taxis, Ambulances, Delivery, cement mixers, garbage haulers, Min Premium $25,000 all states AL, GL, Phys dam 10% All states except La, Ma, NH, ME; 1+ power units, 5+ in TX; Most classes incl S&G 10% Mainly for tougher to place trucking risks, Min 10 units, Garage Min premium $7,500 10% Shippers interest, MTC, WLL, Builders risk (Non-Cat), Installation including rigging, Contractor Equipment, Mobile equipment, MP is $10,000 per risk, forms are AAIS Travelers Cargo and Phys dam 10% Very competitive on smaller to medium size risks. Great phys dam rates when written in tandem with Cargo. US Specialty Insurance Occ Acc 10% all states ex NC Ace Environmental Insurance Arch Insurance Company Hartford Programs AL, Phys dam, Pollution HazMat Program Package Specialized Truck Equipment and Trailers 10% HAZMAT programs including fuel haulers, Broad coverage and can do $5,000,000 limits, Min 10 unit 10% Max radius 300 miles; Appetite includes Propane Dealers/Distributors, Petroleum Distributors, Fuel Oil Dealers/Distributorships 10% Manufacturers, distributers, installers of truck/trailer equipment. Fire trucks, tow trucks, garbage trucks,fuel and lpg-lng. GL, AL, Auto, Work Comp, Umbrella and more. Not in HI, AK, LA 10% Very good Physical Damage Program. Gap Coverage can be included. Seneca Phys Dam, Cargo, Cont Cargo, GKKL Lloyds Phys Dam, Cargo, Cont 10% Very competitive Cargo, GKKL Lexington Excess Liability, cargo, 10% Good on Tougher Risks physdam Gemini Excess Liability 10% Very competitive, $50,000 min premium [email protected] 4QMG09.13

5 Tow Program The Tow Program is designed for professional towing operations that also engage in approved ancillary operations such as auto repair, body shop, salvage yards, storage, gas sales and more. Our program is among the broadest and most flexible product on the market and our underwriting is very responsive. Key Points of Our Towing Package 1. No exclusive radius endorsement we do not, by form, reduce the radius or miles a tower can operate from the garaging location. Many of our competitors have this limitation. 2. Loading and unloading is included in our cargo form, and will cover the cargo while it is in the process of recovery until it is delivered or stored. 3. Our cargo form is the broadest in the industry with coverage for equipment hauled as well as autos. Contents of vehicles are covered as well. 4. NO DRIVE TRAIN EXCLUSION we do not exclude drive train damage on our cargo form. 5. Debris removal is included in our cargo form with a sub-limit of $2, NO liability deductible. 7. General liability covers premises and operations even operations away from the premises such as road side repair work (tire changes, jump starts, lockouts) /7 claims handled by towing adjusters with knowledge in the industry to get the claim handled quickly without the learning curve of novice adjusters. 9. Accidental Death and Dismemberment of $10,000 per life on the policy is included on all accounts offered through American Transportation Association, Inc. 10. A rated insurance company that will be available to pay the claims 11. Broad driver guidelines. Coverages and Limits Auto Liability $100,000 to $1,000,000 CSL Physical Damage comprehensive and collision Actual Cash Value (ACV) Rated on cost new basis Auto Medical Payments $1,000 to $5,000 Uninsured/Underinsured Motorist (non-stacked) Basic limits or as required by law Personal Injury Protection Basic limits or as required by law General Liability $100,000 to $1,000,000 CSL Hired and Non Owned Liability Limits equal to General Liability Garage Keeper s Legal Liability Maximum limit per location $500,000 CSL On Hook/Cargo Maximum limit per auto $300,000 Deductibles Auto Liability No deductible General Liability No deductible Physical Damage $500 - $2500 Garage Keeper s Legal Liability Minimum $500 comp and $500 collision On Hook/Cargo $1,000 to $2,500 Submissions 1 to 4 Units - Use the quick quote sheet 5+ Units - Use the Supplemental application and Acords for all others. We can use anyone s application for quoting purposes but will require our forms if bound. 5T1.09/13

6 Tow Program Continued Policy Details We are best on 1 to 7 units, 3 year loss history ratio of 40% or less with experienced drivers with good records and low driver turnover. Below is some additional underwriting information. 1. New in business accounts. Owner must be at least 25 years of age. Owner must have a minimum of 5 years experience on similar equipment. A surcharge will be applied and no credit allowed on new ventures. Limit of 5 units for the first year. New in business is defined as an applicant that has not carried continuous insurance coverage in their name for the specific coverage desired for at least the past 24 months (2 years). 2. Loss Runs: a. 1 to 5 units Underwritten on driving records and loss history. A loss statement letter is required before releasing quotes. We encourage you to obtain 3 years of loss runs, but if not available, a loss statement signed by the insured along with the current year loss run will be acceptable. Use the statement given to you only. In the event of a loss without loss runs in the file, we will order loss runs to verify the loss statement. If there is material misrepresentation the claim could be denied and the policy cancelled. Property Underwriting Guidelines Property may be packaged with Auto Coverage for the Towing, Auto Hauler, Garage and Dealers and Mobile Repair programs. Authority Limits Coverage Limits Building $1,000,000 Business Personal Property $500,000 Business Income $250,000 With or without extra expense Minimum policy premiums are $500 Deductibles are $500 to $5,000 State/Area Restrictions For all coastal states, we will not write property coverage within 10 miles of the coast line with the exception of NY, VA and MD. In these states, coverage may not be written within 1,000 feet of the coast line. b. 6 to 10 units - A loss statement letter is required before releasing quotes. Three years of currently valued loss runs must be received prior to binding. c. 11 or 25 units Three years of currently valued loss runs are required before quoting. d. Over 25 units require 5 years of currently valued loss runs with a full submission prior to quoting. 3. Applicants must comply with the applicable provisions of the Federal Motor Carrier Regulations. 4. Applicants must be primarily involved in the towing and/or auto transport industry. 5. Applicants should not allow new employees to drive a tow truck until their MVR is approved by TUMI. 6. Hire dates must be shown for all drivers. 7. Applicants must have an adequate vehicle maintenance program that is consistently applied to all scheduled vehicles. 8. Any vehicle with tandem axles and/or capable of hauling a tractor or a trailer over 35 must be rated extra heavy. 9. All dealer/transporter plates must be scheduled on policy for coverage to apply. Causes of Loss Basic Broad Special Unacceptable Dwellings Farms Builders Risk Buildings more than 100 years old Non Approved Spray Booths Mobile Trailers in Florida Documentation Acord Application 125 and 140 Risk with Spray Booths require the UL# or a photo of the booth Photos or inspections required on all buildings over 30 years old. Rating ISO Rating Using Company LCM 5T2.09/13

7 Cargo/Physical Damage & Non-Trucking Liability Program The Cargo/Physical Damage is designed for all types of trucking companies needing a cargo and physical damage policy. Many coverage and deductible options are available. This program is designed for fleets of 50 or smaller. We offer non trucking liability up to a $1,000,000 CSL limit. Key Points of Our Cargo/Physical Damage Program 1. Bobtail, cargo and physical damage 2. A Rated Carrier 3. High limits available 4. Most effective on 1 to 25 units, but can write up to Credit available for loss free accounts 6. Non trucking liability market available Coverages and Limits ACV (Cost new rating), Stated Amount Valuations Available Extended loading and unloading available in our Broad Form cargo up to 5 miles Debris removal included Earned freight coverage included Towing included Non-Trucking Auto Liability $100,000 to $1,000,000 CSL Physical Damage comprehensive and collision ACV, stated amount Auto Medical Payments $1,000 to $5,000 Uninsured/Underinsured Motorist (non-stacked) Basic limits or as required by law Personal Injury Protection Basic limits or as required by law General Liability $100,000 to $1,000,000 CSL Motor Truck Cargo Maximum limit per auto $500,000 Deductibles Auto Liability No deductible General Liability No deductible Physical Damage ACV, stated amount valuations available Motor Truck Cargo $1,000 to $2,500 6CPD1.09/13

8 Repossession Program This program is designed to cover the operations of professional repossession contractors. TUMI seeks accounts with contracts with banks, credit unions and other reputable lending institutions. TUMI is a market leader in this class and uses an A rated admitted insurance company for this program. Coverages Auto liability up to $1,000,000 limit CSL General liability with wrongful repossession language endorsement Garage Keepers direct with limits up to $1,000,000 Drive away coverage Towing accounts with repossession operations are acceptable Broad cargo form with loading and unloading Underwriters who know the business Excess auto and GL limits up to $1,000,000; Excess of $1,000,000 Targeted Operations 3 years in business No operations that service Buy Here/Pay Here dealerships No pawn shop or title pawn company contracts Fleets of less than 25 Loss Ratios of less than 40% 7RP1.09/13

9 Intermodal Trucking Program Trinity Underwriting Managers Intermodal Program (TRIP) is designed for trucking professionals engaged in intermodal modes of transportation. From owner operators to 1,000 truck national accounts, Trinity understands the local and intermediate nature of intermodal operations. TRIP s unique and proprietary rating methodology can deliver the most competitive value program available. Intermodal trucking companies are the fastest growing segment in the transportation field, and very few insurance companies recognize the unique characteristics of this class. TRIP is not a trucking program that will entertain intermodal risks. Instead, Trinity designed this program specifically for intermodal operations. The TRIP program bundles all the coverage that intermodal haulers require under one package. Key Points 50% or better loss ratios Single truck/owner operator risks are accepted Would prefer no new ventures to start, but will consider if it is 3+ years in the same class of business and/or an employee or group of employees is buying the business where currently employed Targeting risks with premiums 250,000 and below Please provide expiring premiums with all submissions We do not complete reporting form and prefer scheduled, hired, non-owned Eligible accounts should derive more than 60% of their receipts from intermodal transportation. They should predominantly haul container and flatbed freight and generally operate within a 500 mile radius Eligibility Single and multi-state operations from 1 truck to 1,000 trucks Drayage and over the road exposures rated and covered Wet port or inland port operations Coverage Auto liability $1,000,000 limit General liability $1,000,000 limit Warehouseman s liability of $2,000,000 Trailer interchange agreement limit up to $1,000,000 Terminal and container yard coverage $500,000 limit Broad cargo coverage with limits up to $500,000 Non trucking liability up to $1,000,000 written on policy as needed Excess Auto and GL limits of $1,000,000; Excess of $1,000,000 underlying Other Available Coverage Occupational Accident Property and Business Personal Property To learn more about Trinity s Intermodal Program, please contact TRIP s specialty underwriter, Rob Mills, CLCS , ext. 211 or [email protected] 8IMP1.09/13

10 Hazardous Material Hauler Program And Pollution Control Hazardous Material Hauler Program This program is a full package of coverage for hazardous materials haulers. It is a broad pollution product that can be added to existing coverage or act as a stand alone policy for pollution contract accounts. Simple underwriting and broad coverage combine to make this a very marketable product. Classes of Business power units Medical waste acceptable LP Gas and petroleum haulers Vacuum trucks hauling restaurant oil Many more classes New ventures acceptable Coverages Broad form pollution MCS-90 GL can be included within trucking class codes Motor truck cargo limits up to $250,000 including owner s goods Cargo and physical damage coverage can be packaged with hazardous material hauler program. Pollution Control Program TUMI is proud to offer a quality pollution liability product. This program is an easy add on coverage for towing and auto service businesses. It is also optimal for pollution contractors. $2,500 minimum premiums $7 million limits available Broad classes, tailored coverages Auto liability coverage can be packaged with the pollution control program. 9HM1.09/13

11 Commercial Auto Program The Commercial Auto Program is a broad product designed for small businesses and can cover an extensive range of classes. Commercial Auto coverage can be tailored to fit individual needs. Garbage Operations Contracted collection of garbage, trash, refuse or recyclables at residential, commercial or industrial sites for disposal or recycling Roll off operations Salvage operations including scrap dealers Vehicles operating as a trucker and not being used for residential, commercial or industrial pickup and disposal (e.g., transfer station to landfill or hauling bailed trash). For-hire scrap metal haulers Transportation of salvage or dismantled vehicles Dump Truck Operations Vehicles hauling sand/gravel, aggregates, dirt or other non-hazardous dump commodities Radius up to 100 miles Operations hauling any amount of hazardous materials or waste, or any contaminated dirt Coal haulers New ventures the account must have a minimum of 3 years verifiable loss history in their own name. No exceptions will be made Port-A-Potty operations Cooking grease recycling Minimum driver age 25 years for extra heavy trucks Best fit is 1 to 20 trash trucks Maximum of 30 power units Accounts transporting regulated medical waste or biohazard waste. Any risk with active brokerage authority New ventures the account must have a minimum of 3 years verifiable loss history in their own name. No exceptions will be made. Minimum driver age 25 years for extra heavy trucks Best fit is 1 to 10 dump trucks Maximum of 20 power units Tractor trailer risks Dump trailers No owner operators Physical damage coverage is not offered for dump trucks Cement Mixers, Ready Mix & Concrete Pumpers Cement mixers, ready mix and concrete pumper Minimum driver age 25 years for extra heavy trucks trucks and trailers, which typically operate at or near Best fit is 1 to 10 mixers construction sites Max of 20 power units Radius up to 100 miles New ventures the account must have a minimum of 2 years verifiable loss history in their own name. No exceptions will be made. Contractors General contractors such as building contractors, welders and street sweepers Artisan contractors such as plumbers, lawn service, Contractors transporting explosives (demolition contractors) painters, home remodeling, tree service, electrical contractors, cleaning services, exterminators and more. Contractors transporting hazardous materials (remediation contractors) 10CA1.09/13

12 Commercial Auto Program Continued Food & Beverage Delivery Vehicles used by food/beverage manufacturers or wholesale distributors to transport their own raw or finished products such as bakery, produce, beverage, water, ice and meat distributors Ice cream vendors Pizza/takeout delivery Retail & Wholesale Delivery Businesses that deliver their own commodities such as appliances, auto parts, building supplies, furniture, office equipment and supplies Bulk hazardous materials Risks transporting any amount of explosives poisonous gas, hazardous material Household Goods Movers Vehicles owned by household goods movers Radius up to 400 miles Non-owned (only) auto exposure No tractor trailers Double and triple trailers No tractor trailers Non-owned auto liability No tractor trailers Minimum of 4 power units, maximum of 25 power units Food Trucks/Lunch Trucks Lunch/coffee trucks Mobile trailers Mobile food units with open exterior awnings not supported by hydraulic lifts Catering operations Delivery services are not eligible Septic Service Companies Installation, service and cleaning contractors Portable toilet/restroom rental companies Milk Haulers Maximum of 20 power units Radius up to 100 miles New ventures the account must have a minimum of 3 years verifiable loss history in their own name. No exceptions will be made. No owner operators Physical damage coverage will not be offered on this class No tractor trailers Mobile Business Businesses operating in or from their own vehicles, such as bookmobiles, mobile medical units, mobile repair or service units, roadside auto services Ice cream vendor Mobile video game trailers Pizza/take out delivery Service Risks Property management companies Security services Physical damage may not be offered for high valued vehicles Mobile medical units Escort/pilot vehicles (for oversized loads) High end/high performance PPTs may not be eligible Security services must not be armed 10CA2.09/13