In addition to any copies of any appraisals, receipts, etc., please answer the following questions to help me determine if the risk associated with this art work is acceptable.

• How often are/will the item(s) be kept in a vault?
• How often are/will the item(s) guarded by a security system? Are all ground level doors and windows wired to security alarms?
• Are the items individually wired for security?
• Will the item ever be on display away from the insured premises?

regarding origin of the item(s)

• If it was not purchased recently, was the item previously insured by your client? If so please let me know the details concerning who insured it, for how much, for how long, etc.
• How was the item acquired by the insured?
• If the insured is retired, how was the insured able to afford such an expensive item?

regarding value of the item(s)

• If not mentioned on the appraisal, what is the value of the art work’s frame, stand, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

doc name: Art.doc

If the care giver is to be covered by our policy when driving an insured vehicle, please let me know:

• How frequently has the baby-sitter driven a family car in the past year? (need to know if she should be added as a covered driver)
• How thoroughly have the insureds consider the driving ability of the care giver? Is the care giver a good driver? (need to know if care will be taken by the insured when entrusting their vehicle to the care giver)
• Will the insureds take time to introduce/orient/train the care giver on the insured vehicle and any substitute vehicles?
• Will the insureds ever rent a vehicle for the care giver to use without the rental agreement reflecting the care giver as a driver? Have the insureds been informed that letting unlisted drivers use rental vehicles is in violation of most rental vehicle agreements? Have the insureds resolved not do it?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Our underwriting guidelines discourage submission of applications for homes that are in remodeled/converted structures such as those formerly used as barns, warehouses, etc. Such submissions are not eligible for our coverage especially if the dwelling’s characteristics are not "standard" such as those:

• having heating units or systems that are not central and conventional for a single family dwelling ("pellet stoves" found in energy efficient homes and ceiling hung forced air gas furnaces found in warehouses are not acceptable).
• completed in ways that create hazards that are not typically found in or at conventional housing.
• set on sites being used for farming, sales, service, etc. activities that are not typically found in or at conventional housing.
• remodeled as a "Do It Yourself" project.

If you care to pursue applying for coverage by The St. Paul, here are some questions to help gather information to determine if the policy should be issued before coverage can be bound:

• What date was all remodeling construction completed?
• Is there a written appraisal I can see to learn the appraiser’s comments about the structure, etc?
• Will the dwelling insured for 100% of its replacement cost excluding things that are not attached to the structure like land, detached buildings, etc.?
• What loss prevention measures (i.e. lighting rods and arrestors, smoke detectors, fencing, etc.) have been taken to prevent or minimize losses by fire, theft, wind, etc?

• Who was in charge of the construction? who was acting as general contractor?
• How established is the builder in terms of reputation, number of homes built annually, years experience as a residential builder? If the insured acted as general contractor we will not be able to verify all systems are installed properly with conventional equipment. We need to know the person in charge of the remodeling has a proven track record for residential construction remodeling.
• Who can we call that is occupying a remodeled dwelling that was remodeled by the person in charge of your client’s dwelling? I need two names with phone numbers in case I’m unable to reach the first one I try to call.
• Is the home free from all mechanic liens? If not are there any deficiencies in its construction?

• Is the dwelling in a developing, established, declining or urban renewal area?
• What is the protection class of the home? We will not insure it if the code is a PC 9 or 10.

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send us answers to the following questions along with any narrative explanations and substantiating documentation you can provide.

1. Concerning the people doing the work on the dwelling:
1. Who or what company is in charge of the construction? Who or what company is acting as general contractor? What are the liability limits of the contractor’s workers compensation and general liability policies? We may not give builders risk coverage if there is no general contractor.
2. How established is the builder in terms of 1) reputation, 2) number of homes built annually, 3) years experience as a residential builder? If the insured is acting as general contractor the coverage will be terminated unless he/she has constructed several similar homes over several years and thereby has a proven track record for residential construction.
3. Is the insured certain the builder has commercial coverage for the builder’s exposures such as negligent acts? Coverage will be terminate if proof of such coverage cannot be provide to you.
4. Does the contractor have workers compensation on the employees and subcontractors working at the dwelling?
2. Concerning timing of the coverage:
1. How long is construction predicted to last? What is the estimated completion date?
2. When should the ______ endorsement be added to the existing policy so the policy’s theft of building materials exclusion can end?
3. Concerning the amount of coverage:
1. What will the total cost of the construction be?
2. What limit of coverage is needed for 100% of its replacement cost excluding things that are not attached to the structure like land, detached buildings, etc.? Or will the policy be adjusted one or more times during/after construction?
4. Concerning non-insurance risk management techniques:
1. What loss control measures (fire detection, security patrol, inventorying, etc.) are being used?
2. What loss prevention measures (security lighting, fencing, etc.) have been arranged?
3. How secure against theft, weather damage, etc. will be or are the building materials, appliances, etc.?
4. When will a security system be installed?
5. Concerning the location of the risk:
1. Is the dwelling being constructed in a developing or established or declining or urban renewal area?
2. How likely is it for neighboring buildings’ to have occupants who will be willing to report any suspicious activity at the dwelling?
3. Is the area regularly patrolled by the local police department?
6. Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send us answers to the following questions along with any narrative explanations and substantiating documentation you can provide.

• Does the insured or agency representative have any knowledge of BOL losses within two miles of the subject dwelling?
• Does the estimate of the replacement cost of the subject dwelling’s old style materials exceed 25% of the subject’s total cost?
• Have any relevant governing bodies adopted any ordinance or past any law in the last three years concerning reconstruction of dwellings similar to the subject?
• Is the subject dwelling insured at 100% of an RC estimate prepared by a third party and accepted as accurate by the insured and the agency’s representative?
• Is BOL coverage wanted as separate extra coverage or as a part of a package of extra coverages?
• What has motivated the insured or agency’s representative to ask for BOL coverage?
• What is the name, address, phone number and fax number for the subject’s building code enforcement office so I can learn how demanding their ordinances and/or laws are?
• Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please let me know the following information.

Regarding the boat itself:

• How long has the insured owned it?
• Was another boat of any kind owed before this one was purchased?
• Where is it harbored or stored?
• How is it harbored or stored?
• Have there been any property or liability claims on the current policy you mentioned in your request?
• Is it in "like new" condition?

• How often does he use it?
• If used for racing, how frequently?
• How many years of sailing experience has the insured had? (open water verses inland waters)
• Is there a paid crew? (Probably not.)
• Will it be taken to gulf, ocean or international waters in the next year?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send us answers to the following questions along with any narrative explanations and substantiating documentation you can provide.

• What actions, hardware, and software are in place to protect confidential information?
• Has all intellectual property been registered, copyrighted, documented, etc. in ways that will discourage infringement and prove the client’s ownership?
• What actions, hardware, and software are in place to prevent and detect transmission of computer viruses?
• What e-commerce (property and liability) losses have the client’s peers experienced in the last three years?
• What e-commerce (property and liability) losses has the client experienced in the last three years?
• Is the client employing two or more persons to work together as risk manager(s) and I.T. manager(s) concerning cyber-risks?
• What actions have the client taken to increase employee awarness and develop training programs for internet risk?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Answer the questions in the following decision tree using these definitions:

• an activity that is done weekly or more frequently and lasts for several hours at a time

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation. If it is now apparent to you that more than our policy’s coverage is needed please consider contacting the following for home business coverage:

• Kay Dingess @ Service General @ 800-645-5129 x118 or fax 216-447-0870
• Maria Acevedo @ Ins. Intermediaries @ 800-444-1744 x832 or fax 614-846-2111
• ????????? @ RLI @ 800-???-???? or fax ???-???-????

If your prospect/client has an office or business in his/her primary residence, please obtain answers to the following questions and let me know:

• What is/are the types of business?
• Is the business portion of the residence insulated/isolated from the rest of the residence?
• Has any customer been injured in any way in the last 10 years that caused bodily injury as a result of doing business with the applicant/insured? Any litigation against the applicant/insured?
• Are there ever any employees or sub-contractors?
• During the busiest week in the last four weeks,
• how many people came to the residence?
• can a copy of the applicant’s/insured’s schedule for that week be given to the agency to document the frequency of business activity at the home?
• what is the highest number of clients on the premises at one time in that week?
• how often was this number of people on the premises in the last four weeks?
• Is there any equipment or merchandise for sale, for educating, or for demonstrating?
• How frequently will people with special needs for mobility be on premises?
• Is the operation or the operator licensed? Can a copy of such be obtained?
• How many years of experience has the business person had doing the business?
• What parts of the home have been altered/remodeled/added by the business person? Is any part used as a deduction on the applicant’s/insured’s income taxes? Is there a separate entrance for the business activity?
• Is there any advertising in any periodical or public place?
• Is there any signage on or near the premise announcing the business?
• Is the business owner a member of any formal or informal association concerned with the business? If so where does the association recommend she/he obtain property and liability coverages?
• Is the office area arranged so that furniture, wires, machines, etc. are not trip and fall hazards? Are there any other liability hazards such as low hanging branches?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation. This information will help me determine where your applicant’s/insured’s risk should be located on the following chart so I can tell how it should be insured:

If it is now apparent to you that more than our policy’s coverage is needed please consider contacting the following for home business coverage:

• Kay Dingess @ Service General @ 800-645-5129 x118 or fax 216-447-0870
• Maria Acevedo @ Ins. Intermediaries @ 800-444-1744 x832 or fax 614-846-2111

Please send us answers to the following questions along with any narrative explanations and substantiating documentation you can provide. If the prospect has taken steps to "harden the target" as police suggest so that future forced entry is discouraged I’d be glad to consider your application for coverage.

The most common types of security techniques are:

• alarm systems ranging from local alarms monitoring only building openings central station alarms arranged in a web of motion detection sensors,
• guard dogs that have been trained and are maintained as guards,
• bank vaults, home safes and other secure hidden containers,
• deadbolt locks and other devices for doors and windows, and
• security guard/patrol and video monitoring by trained persons.

These are not required. However, the severity of the loss and potential for future losses will indicate how many of these techniques should be present for me to consider insuring the prospect. Your information concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

If the camper trailer is away from an insured’s residence, we’d be glad to consider insuring it. We need the normal underwriting information on an application or change request about age, condition, loss history, etc. and we need to know answers to each of the following questions.

1. Concerning the location of the camper:
1. Is the location vacant land with little or no improvements or is the location a private park where there are persons who help care for the security and condition of the camper? We typically do not accept risks if there’s no non-insurance protection against vandalism and malicious mischief.
2. What is the site’s flood zone designation by FEMA?
3. What is the site’s ground elevation?
4. How remote is the camper site in terms of fire protection? How much time will the fire department take to respond?
2. Concerning the design of the camper: Is there anything about the design to make the camper wind resistive? Is it anchored to the ground or just setting on the tires/jack stands?
3. Concerning loss control and loss prevention:
1. What loss control measures (fire detection, security patrol, etc.) are being used?
2. What loss prevention measures (security lighting, alarms, fencing, etc.) are being used?
4. Concerning the construction of the camper:
1. When were the major systems in the camper (electric, plumbing, etc.) updated last and why?
2. How fire resistive are the materials used in the camper’s construction? Has any official consumer or safety agency rated the camper for safety of its design or materials?
5. Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation. doc name: Camper.doc

If you’d like to determine if two persons living together should be documented as named insureds on a policy, please answer the following questions.

• Are they in a monogamous relationship demonstrating time and financial commitment?
• Are they caring for each other’s property?
• Are they showing genuine concern for each other’s well-being?

Or are they not co-mingling their assets, jointly owning property, sharing expenses, sharing responsibilities concerning their household, etc?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

We’d like to know more about the insureds’ participation in community activities. Please provide answers to the following questions:

• What organizations do the insureds participate in?
• What roles do insureds play in the organizations?
• Will the insureds let us know if their roles change causing increased responsibility?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with these kinds of situations.

Our policies were created and are maintained to meet the needs of small farms used for hobby-type activities. This would include settings where:

• insureds do not hire or contract for help with farming activities on a regular basis (weekly, seasonally, etc.),
• no fees are collected for services of insureds relating to farming,
• no money is received by the insureds for crops, plants, etc.,

and

• crops are shown at amateur (not professional) contests.

Therefore you do not have proper coverage for several significant exposures to property and liability losses. These include exposures related to:

• growing and selling crops or plants,
• use of crops for seed stock (e.g., seeds or seedlings), and
• showing plants or crops at professional agriculture association contests.

Concerning the farming of land to produce crops:

• if the crops are cut, bailed, or handled by the insured, the insured should know this makes the insured exposed to direct losses for property and bodily injury liability,

and

• if the insured has someone do the work for the insured, there would be less exposure for the insured to loss if the workers and machinery have appropriate liability coverages from other sources.

The following are farming exposures that are not covered by HO-3 program policies.

Please let us know if you have any of these uncovered exposures.

Please gather answers to the following questions and let me know:

• Have any children been injured in any way in the last 10 years that caused any bleeding and/or bruising?
• Have there been any suits, claims, or losses?
• Are there any employees or sub-contractors ever?
• What is the highest number of children per hour to be on the premises? How often will this number be on the premises?
• How many children will be unfamiliar drop-offs during an average day? Can a copy of the clients’ schedules be given to the agency today?
• Is there any equipment for entertaining, educating or exercise?
• How many children will be on premises with special needs/handicaps?
• Is the operation or the operator licensed? Can a copy of such be obtained?
• How many years of experience has the operator had doing daycare for the typical number of children that will be on this premises?
• What parts of the home have been altered/remodeled/added by the operator or at the operator’s request?
• Is there any advertising in any periodical or public place?
• Is there any signage on or near the premise announcing the operation?
• Is the operator a member of any formal or informal association of daycare providers?
• Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation. If there will ever by more than three client children in the household or children with disabilities are ever to be clients, please contact a carrier offering daycare home liability insurance for at least $1M. Here’s sources’ names listed alphabetically that I know of:

• insurer - Melanie Bates @ American Federation of Daycare Services, Inc. @ 800-476-4940, fax # 678-290-2200;
• agent - Liz Downs or Chris Nick @ New England Ins. Svcs. Inc. @ 860-844-8288 fax # 860-844-8274. They represent Markel Ins. Co.

We’ve learned a vehicle in this household is being used for deliveries and need to know more to be able to decide how coverage should continue. Please let me know:

• Who is/are the driver(s)?
• What is the name of the employer/contracting organization?
• What is being delivered?
• How much is being delivered daily, weekly, and monthly?
• Is there any documentation explaining the employer’s or contracting organization’s coverages for the driver(s)?
• Is a CE-295 appropriate? Why?
• Is charging for business or work use appropriate? Why?
• Does the insured know "We do not provide . . . Liability Coverage for any person: (5) for that person's liability arising out of the ownership or operation of a vehicle while it is being use to carry . . . property for a fee. . ."?
• Have the drivers had any accidents while doing deliveries in the last five years?
• Has the employer/contracting organization had any driving related losses in the last three years?
• What safety training does the employer/contracting organization provide its drivers?
• Was the delivery activity volunteered by the insured or left undisclosed by the insured?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

The following questions need to be answered satisfactorily in order for our coverage to be bound on new risks or to continue covering an existing client. Each question includes actions the insured must agree to accomplish within the next 30 days for us to issue or continue a policy.

• When can the dog be left in the care of a professional dog trainer for at least eight days for obedience training or will completion of the American Kennel Club’s Canine Good Citizen program be completed? Certification of such training should be given to the agency for keeping in its file. If the insured refuses then the only alternative short of getting off the risk or removing the dog is certification as a therapy dog, which is more strict than the two alternatives above.
• Has there been any violation of leash or animal confinement laws by the prospect/client or any household animal in the last five years?
• Is there more than one aggressive dog in the household?
• Will the dog be observed by a licensed veterinarian specializing in domestic animals for at least five days to determine, to the best of the veterinarian’s ability, whether or not the dog is likely to repeat the hostile behavior exhibited on __/__/__? The veterinarian’s written estimation should be kept in the agency’s files for review if there is ever a need.
• When can the dog be, if not already, spayed or neutered?
• If an animal control official was involved, will you obtain a note or copy of his/her report and review it looking for comments concerning the incident and the dog’s temperament?
• If the dog is not kept behind a fence of significant heighth and materials, when will such a fence be built?
• Will the insureds commit to taking actions regularly to socialize the dog so it has more experience with other people and animals?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation. doc name: Dog_B.docw

We do not discriminate unfairly against any age group. Please let me know:

• Why are they considering changing carriers?
• If there’s a physician’s statement concerning 1) the prospect’s physical condition (i.e. site, coordination), 2) mental condition (i.e. memory loss, ability to reason), and 3) any mention of medications that help improve/regulate physical condition or mental ability?
• If a physician’s statement tells whether or not there has been any episode in the last three years when the prospects had any blackout, memory loss, etc.?
• Has there been any episode in the last three years when the prospects had any blackout, memory loss, etc. while not driving that resulted in medical treatment?
• Have any of the prospects taken any elderly driver courses such as the Ohio State University’s safe elderly driver course?
• Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

We do not insure estates as "named insured". We may insure an estate of a named insured if the estate is listed as an "additional insured". The following questions need to be answered satisfactorily in order for our coverage to be bound on new risks or to continue covering a former client.

• What type of estate is in need of coverage? Why?
• Who are beneficiaries of the estate?
• Are the exposures and hazards associated with the entities in question purely personal exposures and hazards without any commercial or business activity?
• Why is coverage wanted for the estate?
• What deadline can be set for our coverage of the estate to end? What will happen if the deadline is reached and the exposure still exists for the estate?
• Does the risk meet new business guidelines?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send us answers to the following questions along with any narrative explanations and substantiating documentation you can provide.

• What is the description of the meeting place? Include all amenities and neighboring facilities.
• Have any of our insureds or clients of the agency ever rented the meeting place before? If so what was learned by the experience?
• How private/secluded is the sight?

• Is there a formal rental agreement? Who is to formalize the rental agreement?
• What group/persons will be hosting the event?
• If a group is hosting the event does the group have a charter (bi-laws) that provides for instructions for coverage during group events?
• Is the event by invitation only or open to the public?
• What groups typically use the meeting place? For what purposes?

• What activities will be conducted formally and informally during the event?
• How experienced are the persons presiding and conducting the activities?
• Any food served, permitted, etc.?
• Any liquor served, permitted, BYOB, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Does the company’s automobile coverage apply to family members of the company’s employee if a family member damages the company vehicle or incurs liability while driving the company vehicle?

Does the company’s policy cover pleasure use of the vehicle by the company’s employee?

What are the primary and excess liability limits provided by the company’s automobile coverages?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

We’ve learned the member’s household includes one or more exotic pets (e.g. toucans, iguanas, monkeys). We need answers to the following questions:

• Are the animals confined to an appropriately sized cage at all times?
• If damaged, would the members want indemnity? If so, who is insuring the animals’ values?
• Has the members’ home been arranged to decrease the likelihood of injury to the animal and animal injury to persons?
• How many animals are there? What types are they?
• Have they been neutered or spade?
• Have there been any human injuries caused by any of these animals in the last 10 years?
• If the animals are for riding, petting, experimenting, etc., does anyone other than the family have access to the animals?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

If the dwelling has a traditional fireplace with out a wood burning stove or fireplace insert, please let me know what information you have concerning the following questions. If a wood burning stove or fireplace insert is present complete our form 6970 or FF-86 (depending upon which insurance program is wanted) in addition to answering these questions.

• What caused the loss?

• What was damaged?

• Who repaired the damages?

• What features are on the fireplace to prevent embers and logs from escaping to the floor of the home? How far does the floor protection (the hearth extension) extend from the front of the fireplace across the floor (should be at lease 18 inches)?

• Is the chimney masonry or factory built? If factory built, is it mass insulated, triple wall, or air insulated? Is there a cap?

• Is any processed wood, trash, manmade solid fuel, chemical logs, etc. burned more than once each week?

• Is a fire extinguisher of the appropriate type kept in the same room as the fireplace?

• Is the chimney through the ceiling/roof or through an outside wall?

• Does the fireplace produce radiant heat only or circulated heat too?

• When were the last two times the chimney was inspected? Why?

• When were the last two times the chimney was cleaned? Why?

• What is the primary source of heat for the dwelling?

• How are ashes removed from the hearth?

• How is the wood kept outside the home?

• How is the wood kept inside the home?

• Is there any double venting?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

The above referenced application/policy was called to my attention because ______ _______________ caused bodily injury to another person. If you’d like this policy to be issued or renewed, please let me know:

1. When can you write or call either of the parents to ask if there have been any other inappropriate incidents of physical injury since the loss?
1. When can you contact at least two school authorities asking them if there have been any more inappropriate incidents of physical injury since the loss?
1. Will you document your findings and let me know your recommendation(s)?

I’ve been informed of the above policy’s dwelling’s mortgage being foreclosed. It’s my understanding that normally underwriting action (cancellation, non-renewal, etc.) is not appropriate for foreclosure alone. Please let me know if there’s anything else changed about this dwelling such as:

• Is the home abandoned?
• Is the home’s exterior exposed to weather related perils?
• Is the home being neglected?
• Is the home formally on the market to be sold or rented?

Here are questions indicating why a client’s interests are best met by coverage from a foreign insurer through a foreign agent:

• Does the agency and carrier based in the US understand coverages and exposures needed in the foreign country?
• Would you want your representation in a foreign auto accident to be a lawyer hired by a carrier who probably doesn’t keep up on what firms are best at representing plaintiffs or claimants in such litigation?
• If a US carrier offers excess coverage for risks whose primary coverage is from a foreign carrier it should learn:

• Would the US carrier be more likely to lose law suits than a domestic carrier based in the foreign country? Would the US carrier be more likely to lose larger judgments than a domestic carrier based in the foreign country?
• Does your underwriter know what coverage enhancements are offered by foreign carriers that are not offered by the US carrier?
• Are the US carrier’s contracts, endorsements, etc. legally compliant in the foreign country? Have the US carrier’s contracts, endorsements, etc. been tested in the foreign country’s courts?

If at least eight of these ten questions are not answered affirmatively the client should seek a foreign agent’s help from a foreign carrier.

Coverage may apply depending upon how these questions are answered. Is the golf cart:

• a factory built model and with only original equipment?
• registered with the insured’s DMV?
• used only "to play golf on a golf course"? Or is it used to drive on roadways shared by regular passenger automobiles?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Several problems can result from the presence of firearms in homes. Therefore there are several hazards we should be concerned about. Please answer the following questions and determine if we should pursue serving prospect/client further:

• Has the prospect/client ever shot anyone under any circumstances (other than during military combat)?
• What prevents children from discovering the gun(s)?
• What prevents children from handling the gun(s)?
• What is the purpose of having the guns?
• If used in law enforcement, is the prospect/client in good standing with his/her employer?
• If used in hunting, has the prospect/client passed a firearm safety course in the last 10 years?
• What are the types of guns in or near the household?
• How many guns are there?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Whenever a schedule of property’s total value exceeds 50% of the policy’s Coverage C limit we need to know why such a high amount of coverage is needed. This is particularly true when the schedule has many guns in it. Please provide answers to the following questions.

• Has there been any break-in to the home in the last five years? If yes, what has been done to lessen the likelihood of another break-in?
• How often are the guns be kept under lock and key or guarded by a security system? Describe how secure the guns are against theft (e.g. wood cabinet or steal vault).
• How often does the insured leave a gun unguarded in the household (e.g. on a night stand in a bedroom)? If yes, where it is it left when unguarded?
• Does an insured carry a gun on their person or in their vehicle? If yes, is there a permit for it?
• How many guns are there in the home that are not mentioned to be scheduled?

• How frequently, during the last 12 months, has an insured used the guns?
• How were the guns used?
• What safety courses have insureds taken and how recently were they taken?
• Are the guns used in club events or in solitary settings?
• Have any guns been lent to any persons outside of the insured household in the last 12 months?

regarding valuations of the guns

• Has anyone at the agency seen documentation that supports most of the values used on the schedule? Or are the values from collectors’ publications?
• Should the guns be covered individually as requested or on a blanket basis?

• Has the prospect/client ever shot anyone under any circumstances (other than during military combat)?
• What prevents children from discovering the gun(s)?
• What prevents children from handling the gun(s)?
• What is the purpose of having the guns?
• If used in law enforcement, is the prospect/client in good standing with his/her employer?
• If used in hunting, has the prospect/client passed a firearm safety course in the last 10 years?
• Are the guns kept together in one area of the home or are they in more than one location?

Your answers to these questions will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please review the following information with your clients to determine if they should have more coverage than what our homeowners policy can give them. Many private horse owners purchase a homeowners policy and a CGL policy endorsed to create what is called a "private horse owner’s policy" or give "equine liability" coverage.

Here’s why we do not want to issue or renew homeowners policies when there are a significant number of animals such as horses owned by an applicant or insured and these exposures are not covered by a private horse owner’s policy. Our home-owners policies do not cover:

• multiple locations that have exposures related to animals not present at the primary location.
• risks associated with showing animals at contests.
• risks associated with breeding of animals.
• damage resulting from discharge, disposal, etc. of feeds, medicines, etc.
• waste products from animals.
• waste products from caring for animals.
• risks associated with participation in athletics or sports.
• liability resulting from the sale of: - animals,

- feed, and

- tack or equipment.

• bodily injury resulting from: - refusal to employ a claimant,

- termination of employment of a claimant, and

- employment-related practices, policies, etc.

• personal injury resulting from: - refusal to employ a claimant,

- termination of employment of a claimant, and

- employment-related practices, policies, etc.

• bodily injury or personal injury to survivors of persons injured by employment related practices.
• risks associated with livery stable operations.
• risks associated with farming activities relating to animals.
• risks associated with posse operations during search and rescue procedures and any activities involving the presence or usage of loaded guns.
• risks associated with club and/or association activity such as hay rides, rodeos, traveling, trekking, etc.
• medical payments coverages for injuries resulting from animal related activities and events.
• public associations of persons as additional insureds.
• lead liability, loss due to lead contamination and costs to clean up lead.
• asbestos liability, loss due to asbestos contamination and costs to clean up asbestos.
• punitive damages resulting from animal activity.
• cross liability.
• liability resulting from damage caused by contents of underground storage tanks leaking or evaporating.
• liability or loss resulting from lack of compliance with zoning laws, safety codes, etc.

This list is growing as I learn more about animal exposures. If there is not more than one horse per member of the household and, after considering these points, you believe there are no exposures that would be left uncovered by our policy please submit an application soon. If there are more than two horses per member of the household or there are exposures that would not be covered by our policy, please contact a carrier offering at least $3M of private horse owner’s policies. Here’s sources’ names listed alphabetically that I know of:

• insurer - Patsy Clark @ Great American @ 352-369-4112, fax # 352-629-4231;
• agency - Linda Cotton @ L C I @ 800-874-1789, fax # 972-563-6133; and
• insurer - Sandy Bruning @ Markel Ins Co @ 800-431-1270 X7782, fax 804-527-7784.

In addition to the usual boat application form’s information, please send me answers with explanations to the following questions and any other documentation relevant to this situation.

1. Regarding the hull:
1. Is there a narrative description such as a marine survey or appraisal?
2. When can photos of at least three sides be relayed to us?
3. Being over 15 years old is typically thought to be a negative factor, what condition is the boat in?
4. When was the last time it was dry docked for maintenance such as cleaning and painting of the hull?
2. Regarding the motor:
1. When was the last time it was overhauled?
2. When can a photo relayed to us?
3. Regarding pilots:
1. Who will be permitted to pilot it?
2. What training have they had? If the principal pilot(s) have had no training in the last 20 years, what officially recognized boating safety course will they take and when?
3. What experience have they had?
4. Regarding usage:
1. How frequently will it be occupied?
2. On what occasions will it be moved?
3. Who will be permitted to pilot it?
4. What prevents unauthorized use of the boat?
5. Regarding location:
1. Where is the boat now?
2. Where will the boat be moved to initially by the insureds?
3. Who will pilot it when moved to where the insured wants it based?
4. How densely populated/used is the area where the boat will be kept on popular holidays?
5. What prevents unauthorized access to the boat by persons who might steal personal property, vandalize the boat, or cause a liability loss?
6. How secure will the boat be in terms of mooring during a storm?
6. Regarding coverages:
1. Should more coverage be purchased for the personal property associated with the boat?
2. Should the policy’s liability limit be increased?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Here’s what we need to know to cover a "Hummers", HMCS four passenger wagons made by American General. We need the usual automobile insurance application information, documentation of the vehicle’s features and answers to the following questions before acceptance of the risk:

• Can a copy of the window sticker or a list of its standard and optional features and their values be kept in your files after you review it for completeness?
• Can you send me a note confirming you expressed our concern about improper use of the vehicle in off road situations?
• Can you send me a note summarizing the applicant’s statements concerning how often youthful operators will be permitted to drive the Hummer without one of our insured adult’s supervision?
• Can you send me photos of 1) the vehicle looking from the driver’s seat toward the back of the vehicle, 2) two different exterior angles, and 3) the dash board?
• Can you send me MVRs of all operators after you’ve reviewed them?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

We do not offer coverage against unlawful, unauthorized use of an insured person’s identity with intent to commit fraudulent activities that may injure an insured’s financial, professional, or personal wellbeing. Does your client need coverage for the following exposures?

• Charges on fraudulently obtained credit cards or any other form of debt.
• Costs incurred for notarizing fraud affidavits or other similar financial institutional documents.
• Certified mail costs associated with the notification of law enforcement agencies, credit agencies, financial institutions, or similar credit grantors.
• Lost wages due to time taken off work to meet with, or talk to, law enforcement agencies, credit agencies, or legal counsel.
• Attorney fees for defense of lawsuits brought against the insured person by defrauded merchants or their collection agencies.
• Attorney fees incurred for challenging the accuracy or completeness of any information in a consumer credit report.

If your client needs these coverages, please approach another insurer such as Chubb or a credit card protection service such as PrivacyGuard @ 800-374-8273, or CreditLine @ 800-962-1008, and Street Smart @ 877-AMW-GEAR.

Non-insurance risk management efforts should also be used. Take actions to prevent disclosure of key pieces of identifying information to unathorized person.

• Contact all credit bureau agencies requesting they put a "fraud alert" on your credit profile. Ordering credit reports regularly can help detect unathorized creditors.
• Personal checks should not display SSNs or DLNs.
• Pre-approved credit card solicitations should be shredded.
• Do not carry all credit cards in one wallet or purse.
• Do not record passwords where they can be stolen.

If this dwelling is not in need of builders risk coverage, we’d be glad to consider insuring it. We need the normal underwriting information on an application or change request about age, protection class, loss history, etc. and we need to know answers to each of the following questions.

1. Concerning the location of the dwelling:
1. What is the dwelling’s distance(s) from ocean, bay, and river waters? We typically do not accept risks if built over water.
2. What is the site’s flood zone designation by FEMA?
3. What is the site’s ground elevation? What is the floor’s elevation (is it on stilts)?
4. Are any other dwellings under construction within a 10 mile radius? If so, how many (ball park guesstimate)? Do they have any extra security devices to protect against break-ins or safety devices to detect or prevent damage by fire?
5. How remote is the dwelling site? How much time will the fire department take to respond?
6. Is the dwelling site accessible by large construction trucks? How accessible is the dwelling by local construction professionals?
2. Concerning the design of the dwelling:
1. What was the year the structure was built?
2. How flood resistive is the design of the dwelling?
3. How is the home designed to make sure water drains away from the structure?
4. Is there anything about the design to make the dwelling wind resistive? Are there storm shutters? If so 1) how are they installed and 2) when are they used?
5. Has the home been renovated/remodeled? If so what was renovated or remodeled? Why?
6. Is there anything about the design that will help keep costs of repair or replacement work from being more expensive than similar work on a standard home?
7. Is there anything about the materials that will help keep costs of repair or replacement work from being more expensive than similar work on a standard home?
8. How likely will a builder be available to repair or replace the structure as it has been designed/constructed after a major loss? (How unique is the design and materials?)
3. Concerning loss control and loss prevention:
1. What loss control measures (fire detection, security patrol, inventorying, etc.) are being used?
2. What loss prevention measures (security lighting, alarms, fencing, etc.) are being used?
4. Concerning the materials used in construction of the dwelling:
1. When were the major systems in the home (electric, plumbing, etc.) updated last and why?
2. How fire resistive are the materials used in the dwelling’s construction?
5. Who can our inspection service representative contact to be able to visit the property and what time of the year would be best for an inspection to be done?
6. Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please help complete the underwriting process for the above referenced application by answering the following questions, in addition to sending us the usual boat application-type information, so we can work together to build your book of business. If this information is acceptable and returned by the response date noted below, the risk will be accepted.

• Other than Mr. and Mrs. ___________, what are the names, ages, and years of regular experience for each of the jet ski operators we are to insure?
• Will I find favorable driving records for the operators?
• What waterways will be used? How congested are the waterways typically on the dates the jet skis will be used?
• Will the jet skis be used in any speed or skill contests?
• Have the insureds been told not to lend the jet skis to inexperienced operators?
• What safety equipment will be used by the jet ski operators?
• What formal and informal safety training have the jet ski operators had?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

In addition to any copies of any appraisal(s), receipt(s), etc., please answer the following questions to help me determine if the risk associated with this jewelry is acceptable.

• How often are/will the item(s) be kept in a vault? How often are/will the item(s) be guarded by a security system? Are all ground level doors and windows wired to security alarms?
• How often does/will the insured leave the item(s) unguarded (e.g. on a night stand in a bedroom) and where will the item(s) be left when unguarded?
• If there are valuable stones, what effort has been made to make sure the stones are secure? What effort will be made to make sure the stones are secure in the future?

• If the item is a ring, will it be worn as a wedding ring?
• If it is not a wedding ring, how often does/will the insured take it out the insured’s home? If it is not a wedding ring and it is worn in public an average of more than three times each month the risk is probably not acceptable.
• If it is not a wedding ring, has it been or will the item be taken out of town over night? If so, how often? How will it be secured against theft when not being worn? How much experience has the insured had traveling with such high valued jewelry?
• If it is not a wedding ring, has it been or will it ever be taken on vacations?

regarding origin of the item

• If it was not purchased in its entirety, was any of the item previously insured by your client? If so please let me know the details concerning who insured it, for how much, for how long, etc.
• If the item(s) has/have more than four stones that are not the same material and approximate size, what are the values and descriptions of the individual stones?
• Were the stones purchased in the setting or were they loose or in other jewelry?
• If the insured is retired, how was the insured able to afford such expensive items?

regarding value of the item

• If not mentioned on the appraisal, what is the value of the largest stone?
• If not describe in detail on the appraisal, what is the description of the largest stone?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

If you are considering submitting an application that has knob and tube "K&T" wiring, please let the prospect(s) know we’d be glad to consider insuring the home if the prospect(s)/client(s) provide answers to the following questions and comply with our requests to improve the home’s electrical servicing if needed.

• Is there any recent (within the last three years) written statement by a licensed electrical describing the quality of the home’s electrical system?
• What rooms are being serviced by the K&T wiring? If the kitchen or bathrooms are serviced by K&T wiring then we require a written statement by an electrician describing the reliability of the system.
• What is the amperage of the electrical service to the home? If it is over 99 amps we require a written statement by an electrician describing the reliability of the system.
• What type of fuses/breakers are used?
• If modern circuit breakers are in place what other wiring areas were replaced? Why wasn’t all of the K&T wiring replaced?
• Have the outlets serviced by the K&T wiring been modified to have grounding?

Your information concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

If you are considering submitting an application that has had more than two power surge or lightning losses and/or claims in the last five years, please let the prospect(s) know we’d be glad to consider issuing a policy if the prospect(s) agree to one of two alternatives.

1. An application could be submitted if the deductible is greater than $1,000 for at least the first two years.

or

2. An application could be submitted if the prospect(s) find other coverage for electrical devices against lightning damage by providing you proof of:

• installation of external lightning arrestors or improvement of those that already exist,
• purchase of at least two power surge suppressers, and
• registration of the electrical devices that are plugged into the suppressers for coverage by the suppressers’ manufacturer’s warranty.

Your information concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Our policies were created and are maintained to meet the needs of small farms used for hobby-type activities. This would include settings where:

• insureds do not hire/contract for help on a regular basis (weekly, seasonally, etc.),
• no fees are collected for services of insureds
• no money is collected for the insureds’ animals’ meat, fur, etc.,
• animals are kept as pets for personal enjoyment only, and
• pets are shown at amateur (not professional) contests.

Therefore St. Paul PI does not give proper coverage for several significant exposures to property and liability losses. These include exposures related to:

• growing and selling animals’ meat, eggs, fur, etc.,
• use of animals for breeding stock (i.e. stud fees are collected), and
• showing animals at professional livestock association contests.

Concerning the raising of animals:

• if the animals or their fur are processed by the insured, the insured should know this makes the insured exposed to direct losses for property and bodily injury liability,

and

• if the insured has someone do the work for the insured, there would be less exposure for the insured to loss if the workers and machinery have appropriate liability coverages from other sources.

The following farming exposures are not covered by HO-3 program policies.

Please raise these concerns with your prospect and relay what you learn to me so we can determine the overall acceptability of the risk associated with this situation.

We need to learn if one or more policies can handle your prospect’s exposures. We need answers to the following questions:

• Are the animals contained at all times?
• Are any animals exotic/valuable? If so who is insuring their value?
• How many animals are there, and what types are they?
• Have they been neutered or spade?
• Have there been any human injuries caused by any animal in the last 10 years?
• If the animals are for riding, petting, experimenting, etc., does anyone other than the family have access to the animals when they are not insured by other coverage?

Your information concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

We’d be glad to consider insuring log homes in a few circumstances. Our _______ program may be used to cover log homes as secondary residences. Our mono-line and combination programs may be used to cover log homes as primary or secondary residences. We need the normal underwriting data about age, protection class, loss history, etc. and answers to the following questions:

• What was the year the structure was built originally?
• How likely will the original builder or another builder be available to repair or replace the structure as it has been constructed? Please provide the names of two contractors who have acknowledged to have had experience building or repairing log structures.

• Have the logs been tested and passed Standard D3957-90 of American Society for Testing and Materials (ASTM)? (Will need documentation or personal verification by agency personnel.)
• Has there been any remodeling of the structure?
• How fire resistive are the materials used in the log home’s construction? Were the logs treated chemically? Is the roofing material fire resistive?
• If the structure is over 10 years old, when was the last time the logs were retreated to keep the wood sealed?
• If the home has been built in the last 10 years:
• When will the logs be re-treated to keep the wood sealed?
• Who was the builder or contractor?
• How many other log homes has the builder completed in the last three years?
• Describe the home’s heating sources in detail and provide pictures of the heating devices and chimneys (interior and exterior).
• How well is the home designed to reduce the buildup of snow and ice as well as handle what weight of snow and ice does build up?
• What materials were used in the roofing?
• How is the home designed to make sure water drains away from the structure?
• Is there anything about the design and materials that will help keep costs of repair or replacement work from being more expensive than similar work on a standard home?
• Does the RC estimate reflect log construction instead of frame construction?

• Are any other log homes under construction within a 10 mile radius? If so, how far away are the new ones? Do they have any extra security devices to protect against break-ins or safety devices to detect or prevent damage by fire?
• How remote is the home site? How much time will the fire department need to respond? Is the home site accessible by larger vehicles?
• Who can our inspection service representative contact to be able to visit the property and what time of the year would be best for an inspection to be done?

Therefore please complete the ___________________ Form and respond to this request for extra information. Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

If a household has had more than one claim for lost jewelry in the last five years, please provide answers to the following questions:

• What are the details of each of the losses?
• What has been done to prevent another item from being lost?
• Have all jewelry items been inspected by a professional jeweler in the last six months to see if there are any hazards such as loose stones, weak chain links, etc.?
• What is the insured willing to agree to do so that our exposure to having to cover a lost jewelry item is significantly less than their current insurer’s exposure for at least three years?
• Should fewer items be scheduled or should we insist upon an informal understanding that no claims for lost jewelry will be made during the next three years?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please write answers to the following questions on this page and fax me.

• Which of the household’s vehicles have signs on them?
• Who owns the business named on the signs?
• Are the signs attached to the vehicles safely?

Answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Occasionally a policy can be issued with the understanding that coverage is temporarily provided for a "model home" used to show prospective buyers. Coverage can be provided for a brief period:

1. as long as the dwelling is finished and furnished as a home would be and
1. if the home’s owner is not the contractor and has informally agreed to insure the home with us within 12 months of this policy’s issuance on a policy with homeowners coverages for at least two years at our option.

Is any area of the dwelling now or to be in the future finished and/or furnished in a manner that would not be customary/standard for a home such as:

• the garage is converted into and furnished as an office area for two desks, files, supplies, etc.?
• areas are provided for contract negotiations, financing arrangements, selection of optional interior decoration schemes, etc.?

Office occupancy comparable to commercial office space would make a single family dwelling have several commercial risk exposures that should not be covered by a standard dwelling fire contract. Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please write answers to the following questions on this page and fax me.

• Are the (household and guests) drivers records clear for the last four years? If not what is on their records?
• Is this vehicle riskier than the last vehicle? Why?
• Is this vehicle more costly to repair/replace that the last vehicle? Why?
• What features on the vehicle make it less likely to be stolen, vandalized, etc.? Why?
• Is it being stored where the weather will not damage it?
• Is the seller going to provide significant training and practice time for the drivers to learn and demonstrate what they learn?
• What features on or near the vehicle will detect or discourage theft, vandalism, etc.? Why?
• Is there anything else we should know about this vehicle that has not been asked concerning its value, risk, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send me answers to the following questions along with any narrative explanations, substantiating documentation, and applications you can provide.

• What perils are of concern to the applicant and to the producer/CSR?
• What types of property are involved?
• What documentation of value is available?
• How well controlled is the exposure to loss?
• Any non-insurance transfer techniques used?
• Any other insurance used?
• Any physical risk treatment (loss prevention methods) used?
• Are you prepared to disclose all relevant information concerning the prospect’s/ client’s relevant activities, habits, hobbies, and properties?
• What do other national A+ rated carriers do in response to requests to insure such a property?
• If any other carrier has refused to insure it, what reasoning was used in the refusal? Why should St. Paul go against such reasoning?
• Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?
• What do steps do you recommend your agency and St. Paul take to partner together to meet this prospect/client’s needs? Why?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send me answers to the following questions along with any narrative explanations and substantiating documentation you can provide.

• Is the vehicle a kit car, home-made, or factory built?
• Any formal or informal racing?
• Who will be operating the vehicle? Who will operate it most? Will guests be permitted to operate the vehicle?
• Have any of these persons had or caused any bodily injury or property damage in the last five years?
• Any previous experience on such vehicles? How much experience/training have they had on this vehicle?
• Where will the vehicle be operated? How populated, remote, etc. is the location? How crowded or popular are the areas where the vehicle is to be used?
• How frequently will it be used by the family and guests?
• What prevents it from being used without the insured’s knowledge?
• What is on the vehicle that prevents it from being stolen, vandalized, etc.?
• What is used in storing the vehicle to prevent it from being stolen, vandalized, etc.?
• Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

If a client’s vehicle is over 15 years old, extra attention should be taken when underwriting it. If only liability is requested then a photo is needed in addition to the usual information to be assured the vehicle is in good condition. If liability and physical damage coverages are needed then a photo and an appraisal are needed so we can be assured of the vehicle’s condition and rate for the value of the vehicle.

Our insurance programs do not promise "stated value" coverage. Such coverage may be obtained from specialty carriers such as Condon & Skelly at 800-257-9496 if their requirements are met.

Acceptable appraisals have narrative description and evaluation of the subject vehicle. Bills of sale, receipts, estimates, etc. are not appraisals. Documentation that is not an appraisal will not carry much weight in an adjuster’s analysis of a loss therefore expecting payment after a loss to reflect such documentation is not wise. Therefore if a request to insure a vehicle over 15 years old is to be considered please provide answers to the following questions:

• What types of coverage are wanted?
• What documentation can be provided?
• Will all documentation be received by St. Paul within 30 days of the start of the requested coverage?
• If documentation is not receive within 30 days of binding, will the insured agree that the corresponding coverage can be deleted until documentation is received?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send us answers to the following questions along with any narrative explanations and substantiating documentation you can provide.

1. Concerning the people doing the work on the dwelling:
1. Who or what company is in charge of the construction? Who or what company is acting as general contractor? What is the liability limit of the contractor? We cannot give builders risk coverage if there is no general contractor.
2. How established is the builder in terms of 1) reputation, 2) number of homes built annually, 3) years experience as a residential builder? If the insured is acting as general contractor the coverage will be terminated unless he/she has constructed several similar homes over several years and thereby has a proven track record for residential construction.
3. Is the insured certain the builder has commercial coverage for the builder’s exposures such as negligent acts? Coverage will be terminate if proof of such coverage cannot be provide to you.
4. Does the contractor have workers compensation on the employees and subcontractors working at the dwelling?
2. Concerning timing of the coverage:
1. How long is construction predicted to last? What is the estimated completion date?
2. When should the 70799 endorsement be added to the existing policy so our policy’s theft of building materials exclusion can end?
3. Concerning the amount of coverage:
1. What will the total cost of the construction be?
2. What limit of coverage is needed for 100% of its replacement cost excluding things that are not attached to the structure like land, detached buildings, etc.? Or will the policy be adjusted one or more times during/after construction.
4. Concerning non-insurance risk management techniques:
1. What loss control measures (fire detection, security patrol, inventorying, etc.) are being used?
2. What loss prevention measures (security lighting, fencing, etc.) have been arranged?
3. How secure against theft, weather damage, etc. will be or are the building materials, appliances, etc.?
4. When will a security system be installed?
5. Concerning the location of the risk:
1. Is the dwelling being constructed in a developing or established or declining or urban renewal area?
2. How likely is it for neighboring buildings’ to have occupants who will be willing to report any suspicious activity at the dwelling?
3. Is the area regularly patrolled by the local police department?
6. Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?
7. Is coverage needed for theft of materials and/or collapse?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please review the following information with your clients to determine if they should have more coverage than what our homeowners policy can give them. Most landlords who own multiple properties purchase a commercial property policy and a CGL policy endorsed to create what is called a "landlord and tenant" policy. If a client needs to roll coverage for more than four properties at once we would need good reasons to not believe the client should have a commercial policy.

If you believe this is a situation St. Paul Personal Insurance should insure, please send me answers with explanations to the following questions, any other documentation relevant to this situation, in addition to the usual dwelling fire application information.

• What is the total number of rentals the client owns either singularly or jointly?
• Has coverage been provided by personal or commercial policies?
• How many maintenance, landscaping, cleaning, etc. persons work for the insured (full time and part time)?
• How spread out are the properties geographically?
• Are coin operated laundry facilities provided?
• What non-insurance risk management techniques are being used?
• Is there any common areas shared between the structures (e.g. two dwellings next to each other with a shared swing set)?

Your information concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

If a vehicle is being rented the following questions should be answered by the insured to determine whether or not the rental company should be paid to give extra coverage for the insured.

• Does the insured want to avoid extra effort required by rental companies of insureds who rent vehicles and have losses while renting a vehicle? If the answer is yes, the insured should pay for the rental company to cover damage to the rented vehicle for all drivers and cover all drivers’ primary liability.

If the insured does not want to pay for such coverage then decisions need to be based upon the insured’s answers to these questions:

• If the vehicle is rendered inoperable before the rental period has ended, will the insured be able to rent another vehicle if the rental company does not provide a substitute vehicle? If not, the insured should either pay for the rental company to cover such damage or not rent the vehicle.
• If the vehicle is damaged, will the insured be able to pay the rental company what it estimates the damages will total when the vehicle is returned to the company? If not, the insured should either pay for the rental company to cover such damage or not rent the vehicle.
• If the vehicle is damaged and coverage is not from our policy, will the insured be able to pay the rental company the OTC or Col deductible when the vehicle is returned to the company? If not, the insured should either pay for the rental company to cover such damage or not rent the vehicle.
• If other persons’ property is damaged by the rented vehicle, will the insured:

1. be able to give our policy’s information to claimants?
1. agree that the loss should effect the insured’s insurability with us and/or amount of premium charged at the next renewal?
1. be satisfied with what our policy would normally cover?

Please let me know:

• What is the typical length of time it will be vacant?
• What is the PC code?
• How many years has the insured or extended family of the insured owned the dwelling?
• What source(s) of heat are used?
• Are 24-hour security and fire alarm systems in place with more than one type of detection device for each system?
• How accessible is the home by the department?
• Is it used as a second home or rental? What percentage of the time?
• How many year round neighbors are there within one mile of the home?
• Has the plumbing burst due to freezing in the last five years?
• How conventional are the building materials used in the dwelling’s construction?
• Is there anything else we should know about this situation that has not been asked concerning its value, risk, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

To provide you with prompt service concerning your request to start coverage for snow mobile(s), please help us by furnishing the information indicated below. Place the missing information in the space provided on our memo and return it to us. We need to know:

• What is the machine’s cost?
• What is the machine’s horse power?
• What is the machine’s engine’s cubic centimeters?
• What is the approximate number of months it may be used each year?
• What is the vehicle identification number?

• How much experience have the insureds had?
• Other than the insureds, what are the names, ages, and years of experience for each of the snowmobile operators we are to insure?
• Will I find favorable driving records for the operators?
• What trails will be used? How congested are the trails typically on the dates the snowmobile(s) will be used?
• Will the snowmobile(s) be used in any speed or skill contests?
• Has the insured been told not to lend the snowmobile to inexperienced operators?
• What safety equipment will be used by the snowmobile operators?
• What formal and informal safety training have the snowmobile operators had?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

To provide you with prompt service concerning your request to begin coverage for a residence with above ground or underground fuel storage tank(s), please help us by furnishing the information indicated below. Place the missing information in the space provided on our memo and return it to us. We need to know:

• Has there been any claim for personal liability coverage concerning the storage tank at this location in the last five years? If so, please provide loss details from at least one insurer.
• What documentation of soil testing is available? When is the next soil testing planned?
• What is the type of ownership? Is ownership to be transferred by title to the property or is ownership had by a fuel distributor?
• Is a General Liability policy active? Is it set for non-renewal?

• How frequently is the tank filled?
• Will it ever be used by our insureds for something other than the insureds’ personal vehicles? Any business use vehicles?
• What type(s) of fuel is/are stored?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

To provide you with prompt service concerning your request to start liability coverage for a time-share residence, please help us by furnishing the information indicated below. Place the missing information in the space provided on our memo and return it to us. We need to know:

• What documentation is used to substantiate the need for our coverage?
• Has there been any other claim for personal liability coverage at this location in the last five years? If so, please provide loss details from at least one insurer.
• What is the type of ownership? Is ownership to be transferred by title to the property or is ownership only a length of time?
• How many owners are there for the unit in question?
• Is a General Liability policy active? Is it set for non-renewal?

• How frequently are our insureds scheduled to use the residence?
• Will it ever be used by our insureds for something other than the insureds’ vacation? Any business use?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please answer the following questions and provide any other information concerning the trailer.

• Have the owners of the trailer had any losses in the last 10 years relating to the trailer?
• How safe is the design of the trailer:
• What is the length? We do reject trailers over 35 feet in length.
• Is it factory built or home-made?
• What is the trailer used for? We reject trailers built for more than four horses.
• Does the insured have any business activity that benefits from use of the trailer?
• If it is over 15 years of age, when can we have a photo of the trailer?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

The American Academy of Orthopaedic Surgeons’ position statement (document 1135) issued 9/96 indicates trampolines should not be used for unsupervised recreational activity. Please answer the following questions and provide any other information concerning the trampoline.

• Have the owners of the trampoline had any losses in the last 10 years relating to the trampoline?
• What prevents (not just discourages) unauthorized use of the trampoline by minors?
• How safe is the design of the trampoline:
• Is it at least 12 feet in diameter?
• Are pads on the outer edges of trampoline?
• Are floor mats on the ground around the trampoline when in use?
• Is the trampoline anchored in place by at least four anchors?
• Have the adults in the family committed to making sure the trampoline is not used without "competent adult supervision and instruction... for children at all times"?
• Is the trampoline well away from structures, vegetation, etc.?
• Is there any business on the property such as daycare?
• When was the trampoline purchased? We need to know its age.

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please provide the following information concerning an undisclosed accident appearing on _________’s MVR for __/__/__. Please let me know:

• who was involved?
• how was the damage caused?
• what was the damage (types and values for each vehicle)?
• who was cited by police? Why?

_______________ also had an undisclosed violation on __/__/__. Please let me know:

• what was the unlawful activity?
• who was involved in the violation?
• were any other drivers cited by police? Why?
• was any damage caused at the time of the violation?
• where was the driver going to at the time of the violation?

Should this lack of disclosure be taken as an indication of moral or morale hazard? Why? Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

In addition to the usual dwelling fire application set for DP-1 coverage, please answer the following questions and provide any other information concerning the residence.

1. Concerning people needing coverage:
1. Who is in charge of the structure? Do we insure any other property for them? Why?
2. If the person(s) in charge do not own the structure, what do we need to know about the owners?
3. How established is the insured in terms of 1) reputation, 2) number of homes owned, 3) years experience as a homeowner or landlord? If the insured is not acting prudently as a landlord* the coverage will be terminated unless he/she provides documentation of .
4. Should commercial coverage for the insured’s exposures be required? Why?
5. Who will occupy the dwelling? How firm of a commitment has been made?
6. Has any government body issued any decision or declaration concerning the property in the last 12 months? Is it condemned?
7. Has it been vacant in the last 12 months due to foreclosure?
2. Concerning timing of the coverage:
1. How long is vacancy predicted to last? Who predicted it?
2. What will the insured do to stop our policy’s exposure if this deadline is past by more than 30 days?
3. Concerning the amount of coverage:
1. What will the total cost of the construction be?
2. What limit of coverage is needed for 100% of its replacement cost excluding things that are not attached to the structure like land, detached buildings, etc.? Or will the policy be adjusted one or more times during/after construction
4. Concerning the types of perils covered, is Form DP-1 (or its equivalent in states not using the Dwelling ‘77 program) sufficient? Why?
5. Concerning non-insurance risk management techniques:
1. What loss control measures (fire detection, security patrol, inventorying, etc.) are being used?
2. What loss prevention measures (security lighting, fencing, etc.) have been arranged?
6. Concerning the location of the risk:
1. Is the dwelling in a developing or established or declining or urban renewal area?
2. How likely is it for neighboring buildings’ to have occupants who will be willing to report any suspicious activity at the dwelling?
3. Is the area regularly patrolled by the local police department?
4. How is the sight accessible by the fire department?
7. Is there anything else we should know about this situation that has not been asked concerning its value, risk, perils, design, etc.?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please send us answers to the following questions along with any narrative explanations and substantiating documentation you can provide.

• Does the insured have an insurable interest in the vehicle? How?
• Is the insurable interests arranged in a way that is in compliance with the agreements created between the vehicle’s purchaser and its leinholder, lessor, loss payee, etc.?

• Who has care, custody, and control of the vehicle?
• Is the person who has care, custody, and control of the vehicle insuring the vehicle in question? Are there other persons in the vehicle’s custodian’s household?
• What is/are the driving record(s)?

• Our insured must be named on the vehicle’s policy as an additional insured.
• If the insured is on our policy, page _ of the Personal Umbrella Liability section indicates primary BI coverage on the vehicle must be at or above $250/$500. Therefore, the custodian(s) of the vehicle should insure it accordingly. The vehicle should be added to our umbrella for excess coverage without adding the custodian(s).
• If the insured is on our Mono/Combo policy, the custodian(s) should have enough primary BI coverage to prevent a gap between their policy and our umbrella for our insured. The vehicle should be added to our M/C umbrella for excess coverage without adding the custodian(s).

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

Please help complete the underwriting process for the above referenced situation by answering the following questions, in addition to questions on the usual boat application forms, so we can work together to determine if or how coverage should be started. If this information is acceptable the risk will be accepted.

• Other than the named insureds, what are the names, ages, and years of regular experience for each yacht navigator permitted to operate the yacht without a named insured being present?
• What formal and informal safety training have navigators had?
• Will I find favorable driving records for the navigators?
• What waterways will be used? Need more specifics than just "Great Lakes".
• Will there be a paid crew?
• Will the yacht be used in any speed or skill contests?
• Will any voyage be for more than 30 days at a time?

• How was the amount of coverage requested for the yacht and its permanent attachments determined? Is a copy of a marine survey or purchase order available to the agency?
• How was the amount of coverage requested for property that is not attached to the yacht determined?
• What safety equipment will be used?
• How much coverage is needed for things that are not physically attached to the yacht?
• Is there any automatic fire extinguishing system?
• Is there any other loss prevention or reduction equipment?

• How will the yacht be stored off-season or will it be moved to a warmer climate?
• How will the yacht be protected from physical damage by wave action, wind, etc. while moored?
• What will prevent liability losses due to the yacht being an attractive nuisance to youths?
• What security will be had against break-ins during harboring?
• What security equipment will be used during harboring? What will prevent or reduce physical damage by vandals?

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.

We are concerned about teenage drivers. The Insurance Information Institute For Highway Safety (IIHS) indicates that the key issues involved with youthful operator driving incidents are:

What are the teen’s parents doing to lessen the likelihood of such incidents/exposures?

We are concerned about aggressive drivers. The U.S. Department of Transportation has defines aggressive driving as "driving behavior that endangers people or property." If any driver in the household has exhibited more than two of the following behaviors in the last six months please take actions to reduce the likelihood of our covering a loss caused by aggressive driving:

Your answers concerning these factors will be evaluated along with other information to determine the overall acceptability of the risk associated with this situation.