Nationwide Brokerage Solutions SM Agent Guide How Brokerage Can Help Your Agency Thrive
This information has been updated as of September 3, 2015 and is provided for your consideration only and does not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages from other insurance companies, which are controlling. Additionally, this information is subject to change at any time in Nationwide Brokerage Solutions sole discretion. Nationwide Brokerage Solutions cannot and does not guarantee that using any of this information will result in achieving your desired objectives. Nationwide Brokerage Solutions continues to recommend that Nationwide s independent contractor agents consult with their personal attorneys and business advisors regarding the specific operations of their agencies for any questions.
The Nationwide Agent Brokerage Solution Part of the Family We are Nationwide Brokerage Solutions SM (NBS), a Nationwide-owned brokerage firm that serves Nationwide agents. We re part of the Nationwide family, and we share the same goals and values: to serve Nationwide s members by providing competitive, top-notch solutions to meet their needs. We know that if we serve you better, you can better serve your members! Benefits of NBS At NBS, we offer industry-leading commissions, direct appointment opportunities with nearly 20 carriers, admitted and non-admitted coverage solutions to meet a variety of your members needs, and access to our experienced and dedicated underwriting staff. So whether agents are looking to find coverage for common risks or something more complex, we have the resources and people to help them sell. What to Expect Inside We ve designed this brochure to introduce you to the brokerage departments of NBS. Each section describes the benefits of the department, provides a list of current carriers, and includes further details to help you make the most out of working with us. We re excited to get to know you, to partner with you, and to do our best to help your agency thrive! 2 5 Power at Your Fingertips with DIY Excess & Surplus to the Rescue 9 The iquote SM Edge 11 13 Getting Personal Contact Page Nationwide Brokerage Solutions comprises three different legal entities: Insurance Intermediaries, Inc., Allied General Agency Company, and Premier Agency, Inc. iquote is a service mark of Insurance Intermediaries, Inc. Nationwide Brokerage Solutions 2015
Power at Your Fingertips with DIY DIY Superpowers Wouldn t you love more power at your disposal? Power to quote and bind policies directly with the insurance carrier? And power to manage your accounts on your own timetable? We put the power in your hands with our DIY (Do It Yourself) direct access markets! Benefits of DIY NBS has partnered with leading, national and specialized markets to provide you with an efficient way to directly quote, bind and service commercial and personal lines risks when an account is outside of Nationwide s scope. And all of this comes with industry competitive commission rates. Quick and Easy The process of accessing our DIY markets varies slightly based on the carrier. The DIY page on our website offers step-by-step, carrier-specific details. Some markets require an appointment application or online registration. Others let you quote and bind immediately, no registration needed. Whatever the appointment process, you will be quoting directly within a few business days. Going the Extra Mile We offer a variety of quality insurance markets that cover a broad range of your members needs. Our dedicated sales staff is ready to help you get started. Carrier Partners by Type and Appointment Method* Paper Form (.), Online Form (:) or No Registration ( C ) Personal Lines Only Carriers Appointment Method Aegis. American Collectors : American Modern : Arrowhead. iiipersonal.com : Interboro. Orchid. SageSure : Commercial Lines Only Carriers BTIS : Dovetail. Hiscox C Identity Fraud, Inc. : iiigl.com Appointment Method C Personal and Commercial Lines Carriers Foremost. Nationwide Flood. Progressive C US Assure : USLI Appointment Method :/C *Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. 2 Have a question? Give us a call at 800-444-1744 Confidential and Proprietary: Do Not Copy or Distribute
DIY Product Guides Products by Line and Carrier* Personal Lines Products Boats and Watercraft Builder s Risk Classic/Exotic Autos Dwelling Fires Flood Homeowners Mobile Homes Motorcycles and Toys Motor Homes Personal Articles Private Passenger Specialty Homeowners Travel Trailers Umbrella Vacant Dwellings Carriers American Modern, Foremost, Progressive US Assure American Modern Aegis, American Modern, Foremost, USLI Nationwide Flood Arrowhead, Foremost, iiipersonal.com, Interboro, Orchid, SageSure Aegis, American Modern, Foremost American Modern, Foremost, Progressive Progressive American Collectors Progressive Aegis, American Modern Progressive USLI Aegis, USLI Commercial Lines Products Businessowners Policy Builder s Risk Contractors Commercial Auto: Auto, Tractor, Trailer, Tow Cyber Liability/Data Breach Flood Inland Marine Professional Workers Compensation Carriers Dovetail, Hiscox, USLI US Assure BTIS, iiigl.com, USLI Progressive Identity Fraud, Inc., USLI Nationwide Flood US Assure Hiscox, USLI Dovetail *Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. Ditch the paper! Visit us online at nbsbrokerage.com Confidential and Proprietary: Do Not Copy or Distribute 3
Contacts and DIY Carrier Force Contact Information General Phone Number 800-444-1744, option 2 Registration Questions 800-444-1744, option 4 Service Requests See carrier info at nbsbrokerage.com DIY Carriers* *Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. 4 Have a question? Give us a call at 800-444-1744 Confidential and Proprietary: Do Not Copy or Distribute
Excess & Surplus to the Rescue E&S is the Best It would be ideal if all of your business proved eligible for an admitted market like those offered by our programs, but we know that won t always be the case. Your members who are new ventures, food vendors, or multitalented contractors will typically not be a fit for a Nationwide product or other products of admitted carriers at NBS. Don t let these barriers limit you; NBS has excess and surplus (E&S) solutions to meet these needs. Benefits of E&S We are a Managing General Agent (MGA)* with in-house quoting authority to rate your non-admitted business with some of the industry s top excess and surplus carriers. Agents will get knowledgeable, firstclass service from our underwriting team and above-average commissions with our markets. Quick and Easy Let s face it, the words excess and surplus don t sound quick or easy. But for many business classifications, we can complete a quote for you right over the phone in as little as five minutes, depending on the uniqueness and complexity of the account. This makes quoting hard-to-place risks a cinch. Going the Extra Mile We ll contact our carriers directly if an account is on the borderline of eligibility. And if it turns out that we can t write the account for you, we ll do our best to provide you with a referral. Carrier Partners by Authority** MGA Authority CapSpecialty Centrex (liquor only) Century Penn America Scottsdale USLI Western Heritage Brokerage Authority CapSpecialty Century Scottsdale Lines of Business Offered General Liability (GL) Garage Liquor Liability Package (PKG) Property Inland Marine (IM) Excess/Umbrella (XS, UMB) *Managing General Agent (MGA): A specialized type of insurance broker that, unlike traditional agents/brokers, is vested with underwriting authority from an insurer. Accordingly, MGAs perform certain functions ordinarily handled only by insurers such as binding coverage, underwriting and pricing. **Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. Ditch the paper! Visit us online at nbsbrokerage.com Confidential and Proprietary: Do Not Copy or Distribute 5
Excess & Surplus Common Classes Most Common Classes Quote Types: Phone (() or Submission (2) Line of Business Quote Type Line of Business Quote Type Adult Day Care ( Alarm System Installers ( Amusement Devices ( Animal Service ( Apartments ( Auto Service ( Bakery ( Barber: Beauty Shops/Schools ( Bars/Nightclubs ( Boarding House ( Bowling Lanes 2 Campgrounds ( Caterers ( Churches ( Clothing Store ( Clubs ( Communication Construction Contractor ( Concessionaires ( Condominiums/HOA ( Contractors ( Contractors: General (/2 Convenience Stores ( Dance Studios ( Day Care/Preschool ( Detective Agencies ( Distributors ( Entertainment ( Event Planner ( Excavation/Grading of Land ( Exercise and Health Studios ( Exterminators ( Flea Markets ( Food Processing ( Foreclosure/Eviction Cleanup Contractor ( Furniture Stores ( Garage 2 Golf Course/Miniature Golf ( Grocery Stores ( Halfway House ( Halls ( Home Health Care Agencies ( Hotels/Motels ( Hunt/Skeet/Trap Clubs ( Internet Sales 2 Janitorial Services ( Landowners ( Landscapers ( Laundries ( Lawn Care Services ( Lessor s Risk Only ( Liability Liquor ( Locksmith ( Machinery Service/Repair ( Manufacturing 2 6 Have a question? Give us a call at 800-444-1744 Confidential and Proprietary: Do Not Copy or Distribute
Line of Business Quote Type Line of Business Quote Type Martial Arts Studio ( Massage Parlors ( Medical Equipment Supply Sales/Rental ( Mercantile ( Metal Fabrication 2 Mobile Home Parks ( Offices ( Painting: Exterior ( Pawnshops ( Personal Trainers ( Push Cart / Kiosks ( Recyclers ( Rental Stores ( Restaurants ( Retail Stores ( Roofers 2 Schools ( Security Guards and Patrols ( Sign Erection ( Spa ( Special Events ( Sports Camps ( Swimming Pool Contractors ( Tanning Beds/Salons ( Tattoo Parlors ( Transportation Services ( Tree Trimmers ( Truckers ( Umbrella Sim-Underlying Ins ( Vacant Building ( Vacant Land ( Warehouses ( Water Pressure Cleaners ( Welding or Cutting ( Wholesalers ( Window Cleaning ( Wood Products Mfg ( Woodworking Risk ( This list is not an all inclusive class list, but represents the classes we had the most premium with in 2014. Although some classes can be phone quoted, there may be individual account characteristics that require a submission with our carriers (high property TIV, loss history, etc.). Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. Ditch the paper! Visit us online at nbsbrokerage.com Confidential and Proprietary: Do Not Copy or Distribute 7
Contacts and Excess & Surplus Carrier Force Contact Information New E&S Business 800-444-1744, options 3, 2, 1 All Other (renewals, service questions, COI s, etc.) 800-444-1744, options 3, 2, 2 Submissions Service Requests Send to iiisubmit@nationwide.com Send to nbs@nationwide.com Commercial Lines Carriers* *Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. 8 Have a question? Give us a call at 800-444-1744 Confidential and Proprietary: Do Not Copy or Distribute
The iquote SM Edge iquote in a Nutshell We ve teamed up with industry-leading software developer InsureZone to create iquote, an online commercial lines comparative rating tool. iquote provides you with a more efficient way to quote commercial lines business with multiple top-end insurance markets. And the best part? No additional appointments needed. Benefits of iquote Using iquote, you can obtain quotes from a variety of leading national carriers with just one electronic application. Businessowner s policies (BOP), general liability, commercial auto, workers compensation and umbrella coverages are available for rating in iquote. And you won t be assessed any production requirements, loss ratio restrictions, or fees from the carrier. iquote is not tied to NBS hours of operations, so agents are free to quote any time, any day. Your completed applications will also be mapped to current ACORD forms, so you ll never have to handwrite an ACORD application again. Quick and Easy Credentials and access to iquote will be sent to you shortly after completion of an enrollment tutorial video, available on our website. Once you re signed up, you can complete a quick quote (non-bindable) or a full quote (bindable) in the iquote system. For eligible full quote business, you will receive quote proposal(s) from our insurance carriers within 15 minutes. (If you ve completed the full quote, we ll reach out via phone or email within one business day to help you bind the account.) The quick quote option is available if you are looking for a non-bindable indication in about 5 minutes. Going the Extra Mile If for any reason an account turns out to be ineligible with our carriers, we ll forward ACORD applications to our Excess and Surplus (E&S) team for rating. If you have completed the full quote option, we ll automatically requote the account through iquote at renewal. Carrier Partners by Line* General Liability Businessowner Policy Workers Compensation Hartford CNA AIG USLI Foremost Brickstreet Guard CNA Commercial Auto Hartford Employers CNA USLI FirstComp Foremost Hartford Progressive Foremost Guard Hartford *Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. Ditch the paper! Visit us online at nbsbrokerage.com Confidential and Proprietary: Do Not Copy or Distribute 9
Contacts and iquote SM Carrier Force Contact Information General Inquiries 800-444-1744, option 2 Submissions (only if requested) Service Requests Send to iquote@nationwide.com Send to iquote@nationwide.com Commercial Lines Carriers* *Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. 10 Have a question? Give us a call at 800-444-1744
Getting Personal A Personal Experience All of your members have personal assets that need to be covered, but you don t always have a direct solution at your disposal. We would love to help you keep Nationwide policies on your book by accommodating the exposures that don t fit Nationwide s appetite. That s why NBS offers easy access to our personal lines markets and underwriting experts. Benefits of Personal Lines Whether you re looking for a high value package, coverage for a vacant dwelling or coverage for a building with PC 9-10, we have an option for you. NBS is your access point to Nationwide Private Client. We partner with four of the industry s leading high net worth carriers. And as the Managing General Agent (MGA)* for Scottsdale Insurance we can provide options for those members with less than favorable characteristics. Quick and Easy Our Personal Lines team can complete new business quotes within 2 business days with a variety of admitted and non-admitted carriers. Best in class customer service is always our number one priority. Our brokerage placement specialists work with carriers to find the right coverage even for hard-to-place risks. Going the Extra Mile We work hard to help you both bind and maintain your personal lines book of business. If for any reason we can t write an account, we ll provide you with resources and options so you can meet your members needs. Carrier Partners** ACE John Handel RLI AIG Orchid Scottsdale Chubb Progressive Universal Crestbrook Pure USLI Foremost QBE Western Heritage Lines of Business Offered High Value Homeowners Vacant Building Umbrella Homeowners Classic/Exotic Auto Inland Marine Dwelling Fire In-Home Business Mega Yacht *Managing General Agent (MGA): A specialized type of insurance broker that, unlike traditional agents/brokers, is vested with underwriting authority from an insurer. Accordingly, MGA s perform certain functions ordinarily handled only by insurers such as binding coverage, underwriting and pricing. **Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. Want to ditch the paper? Visit us online at nbsbrokerage.com 11
Contacts and Personal Lines Carrier Force Contact Information New PL Business 800-444-1744, options 3, 1, 1 All Other (renewals, service questions, COI s, etc.) 800-444-1744, options 3, 1, 2 Submissions Service Requests Send to iiisubmit@nationwide.com Send to nbs@nationwide.com Personal Lines Carriers* *Information updated as of September 3, 2015 and subject to change at any time in NBS sole discretion. 12 Have a question? Give us a call at 800-444-1744 Confidential and Proprietary: Do Not Copy or Distribute
Contact Page DIY (Do It Yourself) General Phone Number 800-444-1744, option 2 Registration Questions 800-444-1744, option 4 Service Requests See carrier info at nbsbrokerage.com Excess and Surplus Lines New E&S Business 800-444-1744, options 3, 2, 1 All Other (renewals, service questions, COI s, etc.) 800-444-1744, options 3, 2, 2 Submissions Send to iiisubmit@nationwide.com Service Requests Send to nbs@nationwide.com iquote General Inquiries 800-444-1744, option 2 Submissions (only if requested) Service Requests Send to iquote@nationwide.com Send to iquote@nationwide.com Personal Lines New PL Business 800-444-1744, options 3, 1, 1 All Other (renewals, service questions, COI s, etc.) 800-444-1744, options 3, 1, 2 Submissions Service Requests Send to iiisubmit@nationwide.com Send to nbs@nationwide.com This information has been updated as of September 3, 2015 and is provided for your consideration only and does not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages from other insurance companies, which are controlling. Additionally, this information is subject to change at any time in Nationwide Brokerage Solutions sole discretion. Nationwide Brokerage Solutions cannot and does not guarantee that using any of this information will result in achieving your desired objectives. Nationwide Brokerage Solutions continues to recommend that Nationwide s independent contractor agents consult with their personal attorneys and business advisors regarding the specific operations of their agencies for any questions. Ditch the paper! Visit us online at nbsbrokerage.com Confidential and Proprietary: Do Not Copy or Distribute 13
nbsbrokerage.com Phone: 800-444-1744 Fax: 877-444-4094 PO Box 182500 Columbus, OH 43218