Aggressive Rocks - January 2015

More Information about Aggressive Rocks! El Paso at www.Aggressive.rocks

“What You Don’t Know Can’t Help You!” … Eddie K. Emmett, Editor

Kick-Off 2015: Rejuvenate at El Paso KICK-OFF 2015: ............................ 1

A brand-new year is a great time to take a closer look at your agency.

BENEFITS OF REPRESENTING AGGRESSIVE .................................. 4

How do you answer these two main questions?

PROPERTY DISCLAIMERS ............. 14

1. How do you get new clients?

2. How do you keep current clients?

In This Edition

AGENTS E&O TIPS ...................... 14

All attendees to El Paso st meeting on January 21 will get this software & training.

Aggressive Insurance is devoted to finding innovative (& usually free) methods you can use to rejuvenate your agency.

For example …

January 21, 2015 7 hours Free CE 5 hours Free County Mutual Free After Hours Party Register at www.Aggressive.Rocks

Aggressive Rocks!

Scan QR Code to see FREE MOBILE SITE: Fully engage your visitors by building a fullyfunctional, smartphone-friendly mobile site in minutes with our Mobile Site Builder. Insert pictures, videos, maps, vCards, contact forms, or other elements. No programming skills required!

Page 1

FREE VIDEO E-MAIL: Software that offers everyone the ability to create and receive video messages in a selfcontained, spam-free environment.

With no client to install, you can start using the software immediately with any browser, on any platform.

FREE VIDEO CREATOR SOFTWARE: At Aggressive, we live by two basic philosophies: make it simple, and make it beautiful. And we're proud to offer you the simplest way to create the most beautiful videos online, whether for yourself, your friends, your family, or your business.

FREE WEB SITE: Check out the step-by-step tutorials to create your own free website, browse through the FAQs, and post your own questions for support.

January 2015

More Information about Aggressive Rocks! El Paso at www.Aggressive.rocks

Why make a website mobile-friendly?

Imagine a user looking at your site on a mobile device. Can the user easily read your page and find the necessary information or is too hard to use?

Ethical Business Practices (2 hours Ethics CE) 8 Questions Every Agency Owner Will Have to Answer

The desktop version of a site might be difficult to view and use on a mobile device. The version that's not mobile-friendly requires the user to pinch or zoom in order to read the content. Users find this a frustrating experience and are likely to abandon the site.

Alternatively, the mobile-friendly version is readable and immediately usable.

In the USA, 94% of people with smartphones search for local information on their phones. Interestingly, 77% of mobile searches occur at home or at work, places where desktop computers are likely to be present.

1. What do I need to know about Classification, Compensation and Overtime Rules?

2. What insurance do I need?

3. What benefits can I offer to attract and retain talented employees?

4. How can I make benefits more affordable?

5. How to create Non-Solicitation, Confidentiality, & NonCompete Agreements 6. How do I handle employee garnishments and child support?

7. What do I need to know about terminating employees?

8. How to evaluate your agency’s true value Insurance Advertising in Texas (3 hours CE) 10 Steps for Effective (& Legal) Agency Advertising

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How to create the Perfect Agency Website How to claim Local Search Pages How to perfect Local Citations How to get Positive Reviews How to create the Perfect Facebook for Business Page How to get Facebook Likes using QR Codes How to create the Perfect YouTube Channel How to create free YouDoodle videos How to find free content for your agency blog How to create a free agency e-newsletter That’s a Great Idea! (1 hour P&C CE + 1 hour Ethics CE) 8 Great Ideas for Agency Operations

Test your site for free at: https://www.google.com/webmasters/tools/mobilefriendly/ Aggressive Rocks!

1. How to “Guerilla Market” the Competition’s Facebook Page 2. How to create a Facebook ad campaign on a shoestring 3. How to track Closing Ratios 4. How to get video referrals from your favorite clients 5. How to set Realistic Goals for CSRs 6. How to calculate the true cost of “Free” quotes 7. How to compensate producers not “order takers” 8. How to make your agency attractive to Buyers Page 2

January 2015

More Information about Aggressive Rocks! El Paso at www.Aggressive.rocks

Aggressive Rocks! is coming to El Paso 7 hours CE, 5 hour County Mutual PreLicensing & Aggressive Rocks! Party Free Registration at www.Aggressive.Rocks

Limited number of Standard King & Double available at $120.00 per night Use Promotional Code "AGGI"

Designed to provide you with an exceptional stay, the Radisson offers free, property-wide Wi-Fi access, a state-of-the-art fitness center, complimentary parking, and indoor and outdoor swimming pools. You can also find home comforts like microwaves and refrigerators in each of the 239 rooms and suites at the Radisson El Paso Airport.

Aggressive Rocks!

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January 2015

More Information about Aggressive Rocks! El Paso at www.Aggressive.rocks

PRODUCT TRIVIA

Benefits of Representing Aggressive Aggressive is committed to the Independent Agent. Well over a thousand agencies appreciate our loyalty and dedication to serving them. We hope you will join us.

How well do you know the different insurance products available through Aggressive Insurance?

In this edition we show the “Cheat Sheets” for all of them.

We strive to provide leading edge technology tools to improve the management of our business and yours. We use the most advanced techniques available so we can deliver accurate service. Here are some of the benefits Aggressive offers to you and your customers:

Study them carefully.

We plan to have an “Aggressive Trivia” contest st during the After Hours Party on January 21 in El Paso.

Combine your knowledge with a winning ticket and you get to go home with a great prize!

Commissions Paid Twice Monthly

For example … where does a client get the Celestite App?

Down-Payments accepted with Credit Card or E-Check Collect Agency Fees by Credit Card Monthly and Semi-Annual Automobile Programs Multiple payment options for customers Recurring EFT Nation Safe Driver – Increased commissions on Policy Premium Web enabled Point-of-Sale and Policy Administration System Real time Agency Reporting Real Time Endorsements Point-of-sale Endorsement Issuance Competitive Rating Structure Fast and Friendly Customer Service

The Texas Sheriff pulled up next to the guy unloading garbage out of his pick-up into the ditch. The Sheriff asked, "Why are you dumping garbage in the ditch? Don't you see that sign right over your head."

Reliable In-Office Claim Service 100% Reinsured by an A++ A.M. Best Rated Company Producer meetings include Continuing Education Unit sessions.

"Yep," he replied. "That's why I'm dumpin' it here, 'cause it says: 'Fine For Dumping Garbage.'"

Aggressive Rocks!

To request an appointment, please contact us at 866-424-9511.

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January 2015

AGGRESSIVE MOTORCYCLE INSURANCE

The Aggressive Motorcycle Insurance program is written on the American Reliable Insurance Company - an "A-rated" member of the Assurant Group.

We offer an annual term with monthly payment plans along with credit card, EFT, E-check and even cash payment options.

Here's what we cover: • • • •

Bikes valued up to $35,000 Cruiser Motorcycle Sport Motorcycle Harley Motorcycle

• Standard Motorcycle • Tour Motorcycle • High Performance Motorcycle • ATV & Scooters

Our discount packages include credits for: • • • •

Motorcycle safety training programs • Over 55 driver training Motorcycle association • Theft alarm Multi-unit policy • Claim free renewal Transfer insurance from another insurance carrier [restrictions apply)

Our coverage options include: • • • • • •

Bodily Injury Liability Guest Passenger Liability Uninsured Motorists Property Damage Collision Medical Payments Safety Clothing

• Property Damage Liability • Uninsured / Underinsured Motorists • PIP • Other Than Collision • Accessories and Add-On Equipment • Towing

Ineligible Units Please review our guidelines for a complete list • • • •

Motorcycles with more than two wheels Units used for racing Physical damage on units 20 years or older Units over $35,000

Ineligible Operators Please review our guidelines for a complete list • Operators who do not have a valid US license • Operators who do not have a valid International license

Accessories Accessory coverage starting at $3,000 Marketing · 866-424-9511

PROGRAMS Aggressive Elite (TXE) Standard Policy Aggressive Select (TXS) Limited Policy (All Programs offer 1, 3 & 6 month terms) BENEFITS • TX ID not accepted on this program • Matricula/International License (copy required)

Insured Web

Customers have access 24/7 to their insurance policy information. https://aggressiveinsured.com • • • •

Print Dec & ID Cards Make Payments Report Claims Policy Detail

• • • •

• Out of state drivers license accepted (No Surcharge) • No Medical Statement required • Up to 40 years for liability • Up to 20 years for Comp/Coll • Salvage Title accepted with Liability only • One Ton's (No more than 4 wheels) • Automatic 25 miles into Mexico AGGRESSIVE SELECT PROGRAM DISCLOSURES WARNING: A NAMED DRIVER POLICY DOES NOT PROVIDE COVERAGE FOR INDIVIDUALS RESIDING IN THE INSUREDS HOUSEHOLD THAT ARE NOT NAMED ON THE POLICY • TXS policy does not provide liability coverage: o For damage to rental vehicles o To any family member or household resident who is not listed on the declaration page; o For any person under any agreement, contract or bailment.

• TXS policy does not provide physical damage coverage: o For any gross vehicle weight in excess of 10,000 lbs; o For a covered vehicle not in the care of an authorized driver.

• TXS gives the insured 10 days to report a newly acquired vehicle.

• TXS does not provide out of state coverage for first party coverages

SCAN TO SMARTPHONE ACCESS TO MAKE PMT & ID CARD

Live Chat Go Paperless Upload Documents 24 hour access Celestite Policy Scan

Photo Upload Made Easy Upload photos in 1 simple step Celestite Policy Scan is available for both Iphone and Android devices.

Text Alerts / Email Alerts

Sign your customers up today to receive text and email alerts for payment reminders. Once signed up, we will send your customer alerts for the following: • Welcome Text or Email for new customers • Payment / Renewal reminder the day prior to their due date • Payment / Renewal reminder the day prior to cancel or expiration.

Agency Fees

Upload your agency fees in a single transaction. When binding a policy or simply posting a payment, you can add your agency fees and eliminate the duplicate transaction.

How does it work? When posting both Credit Card & E-Check payments you will be prompted “Are you charging additional fees”. Once posted the premium payment is applied to the policy and the agency fee will be added to your next commission statement.

You will not receive a 1099 for your agency fees.

PAYMENT PLANS Pay # of 1st Due Plan Inst Date 15% 5 15 days 16.67% 5 20 days 19.5% 5 25 days 24% 4 30 days

1st Cancel Date 26 days 30 days 33 days 42 days

FEES 1 Month Policy Fee $12.85 SR-22 $10 Late Fee N/A Return Check $25 Installment Fee N/A

3 Month $36 $12 N/A $25 N/A

Future Due Date 30 days 30 days 30 days 30 days 6 Month $72 $25 $10 $25 Rule 14

Credit Card Processing Fee $2.95 (Primoris charge) Recurring Credit Card $2.95 E-Check – Single payments or recurring No Charge Non-Owners - Not written DISCOUNTS Homeowner Multi-Car Safe Driver Prior

5% 20% 15% 20%

Maximum policy discount is 40%. Prior Insurance qualification is named insured provides at least proof of six-month’s of continuous coverage with no more than a 30-day lapse in coverage.

PROHIBITED VEHICLES • Any vehicle with a ISO symbol greater than 22 for Model Years 1991 to 2010 or 49 for 2011 and newer for OTC/Collision • Any vehicle with an ACV of $45,000 or more; • Any vehicle with a salvage title for OTC/Collision; • Any vehicle older than 40 years; • OTC and collision coverage on vehicles over 20 years old; NO LOSS PROCEDURES Agents have the ability to accept a no loss up to 10 days from the cancellation date. Only a company generated no loss will be accepted. A company generated no-loss is provided in the memo section of the policy.

REWRITE PROCEDURES Policies that have cancelled for nonpayment may be eligible to be rewritten. A new policy number is assigned with the rules and rates that are in effect at time of the rewrite. The policy will be issued with the same drivers, vehicles and coverage’s as the prior policy. The rewrite option is located in the status tab of the policy.

CONTACT INFORMATION MAILING ADDRESS P O Box 143249 Irving, Texas 75014 CUSTOMER SERVICE Monday – Friday 8:00am – 6:00pm CST Saturday 10:00am – 2:00pm Phone - (866) 424-9511 Fax - (866) 424-9510 PAYMENT SERVICES Automated Inquiry – (877) 634-8533 (24 x 7) CC & E-Check Payments – (877) 634-8533 (24 x 7) Online – www.Policy-Service.com CLAIMS SERVICE Monday – Friday 8:00am – 6:00pm CST Phone - (877) 754-9534 Fax - (877) 754-9537 MARKETING Supplies: Marketing@Aggressiveusa.com Phone (866) 424-9511 Fax (866) 424-9510 HELPFUL CONTACT INFORMATION Texas Department of Public Safety Attn: Safety Responsibility Bureau P O Box 15999 Austin TX 78761 TDI - http://www.tdi.state.tx.us/

TDI 800-252-3439 ITC 800-383-3482 QQ 800-940-6600

VALUE ADDED SERVICES Cash Payment Location ® www.IsoPay.com (location search)

10,000 Locations Nationwide Including IPP & Ace Cash Express $8.00 Per Month Per Policy Add to Liability & Physical Damage Policies Nation Safe Driver CS – (855) 548-5630 Towing Dispatch – (800) 745-5791 • Towing up to 15 Miles • Run out of gas • Lost or Keys locked car • Flat Tire • Dead Battery

PROGRAMS Tejas Seguros Elite (TSE) Standard Policy Tejas Seguros (TEJ) Limited Policy (All Programs offer 1, 3 & 6 month terms) BENEFITS • Texas ID Accepted

Insured Web

Customers have access 24/7 to their insurance policy information. https://tejasinsured.com • • • •

Print Dec & ID Cards Make Payments Report Claims Policy Detail

• • • •

• Undocumented Foreign Drivers • Matricula/International License • Out of state drivers license accepted (No Surcharge) • Medical Statement required for operators 79+ • Up to 40 years for liability • Up to 20 years for Comp/Coll • Salvage Title accepted with Liability only • One Ton's (No more than 4 wheels) TEJAS SEGUROS PROGRAM DISCLOSURES WARNING: A NAMED DRIVER POLICY DOES NOT PROVIDE COVERAGE FOR INDIVIDUALS RESIDING IN THE INSUREDS HOUSEHOLD THAT ARE NOT NAMED ON THE POLICY • TEJ policy does not provide liability coverage: o For damage to rental vehicles o To any family member or household resident who is not listed on the declaration page; • TEJ policy does not provide physical damage coverage: o For any gross vehicle weight in excess of 10,000 lbs; o For a covered vehicle not in the care of an authorized driver.

• TEJ does not provide out of state coverage for first party coverages • TEJ policy does not provide coverage for delivery of goods.

SCAN TO SMARTPHONE ACCESS TO MAKE PMT & ID CARD

Live Chat Go Paperless Upload Documents 24 hour Access Celestite Policy Scan

Photo Upload Made Easy Upload photos in 1 simple step Celestite Policy Scan is available for both Iphone and Android devices.

Text Alerts / Email Alerts

Sign your customers up today to receive text and email alerts for payment reminders. Once signed up, we will send your customer alerts for the following: • Welcome Text or Email for new customers • Payment / Renewal reminder the day prior to their due date • Payment / Renewal reminder the day prior to cancel or expiration.

Agency Fees

Upload your agency fees in a single transaction. When binding a policy or simply posting a payment, you can add your agency fees and eliminate the duplicate transaction.

How does it work? When posting both Credit Card & E-Check payments you will be prompted “Are you charging additional fees”. Once posted the premium payment is applied to the policy and the agency fee will be added to your next commission statement.

You will not receive a 1099 for your agency fees.

PAYMENT PLANS Pay # of 1st Due Plan Inst Date 15% 5 15 days 16.67% 5 20 days 20% 5 25 days 24% 4 30 days

1st Cancel Date 26 days 31 days 33 days 41 days

FEES 1 Month Policy Fee $12.85 SR-22 $10 Late Fee N/A Return Check $25 Installment Fee N/A

3 Month $36 $12 N/A $25 N/A

Future Due Date 30 days 30 days 30 days 30 days 6 Month $72 $25 $10 $25 Rule 14

Credit Card Processing Fee $2.95 (Primoris charge) Recurring Credit Card $2.95 E-Check – Single payments or recurring No Charge Non-Owners - Not written DISCOUNTS Homeowner Multi-Car Safe Driver Prior

2.5% 20% 15% 20%

Maximum policy discount is 40%. Prior Insurance qualification is named insured provides at least proof of six-month’s of continuous coverage with no more than a 30-day lapse in coverage.

PROHIBITED VEHICLES • Any vehicle with a ISO symbol greater than 22 for Model Years 1991 to 2010 or 49 for 2011 and newer for OTC/Collision • Any vehicle with an ACV of $45,000 or more; • Any vehicle with a salvage title for OTC/Collision; • Any vehicle older than 40 years; • OTC and collision coverage on vehicles over 20 years old; NO LOSS PROCEDURES Agents have the ability to accept a no loss up to 10 days from the cancellation date. Only a company generated no loss will be accepted. A company generated no-loss is provided in the memo section of the policy.

REWRITE PROCEDURES Policies that have cancelled for nonpayment may be eligible to be rewritten. A new policy number is assigned with the rules and rates that are in effect at time of the rewrite. The policy will be issued with the same drivers, vehicles and coverage’s as the prior policy. The rewrite option is located in the status tab of the policy.

CONTACT INFORMATION MAILING ADDRESS P O Box 143249 Irving, Texas 75014 CUSTOMER SERVICE Monday – Friday 8:00am – 6:00pm CST Saturday 10:00am – 2:00pm Phone - (877) 754-9530 Fax - (866) 424-9510 PAYMENT SERVICES Automated Inquiry – (877) 634-8533 (24 x 7) CC & E-Check Payments – (877) 634-8533 (24 x 7) Online – www.Policy-Service.com CLAIMS SERVICE Monday – Friday 8:00am – 6:00pm CST Phone - (877) 754-9534 Fax - (877) 754-9537 MARKETING Supplies: Marketing@TejasSeguros.com Phone (866) 424-9511 Fax (866) 424-9510 HELPFUL CONTACT INFORMATION Texas Department of Public Safety Attn: Safety Responsibility Bureau P O Box 15999 Austin TX 78761 TDI - http://www.tdi.state.tx.us/

TDI 800-252-3439 ITC 800-383-3482 QQ 800-940-6600

VALUE ADDED SERVICES Cash Payment Location ® www.IsoPay.com (location search)

10,000 Locations Nationwide Including IPP & Ace Cash Express $8.00 Per Month Per Policy Add to Liability & Physical Damage Policies Nation Safe Driver CS – (855) 548-5630 Towing Dispatch – (800) 745-5791 • Towing up to 15 Miles • Run out of gas • Lost or Keys locked car • Flat Tire • Dead Battery

Insured Web

PROGRAM Star Canyon Elite (SCE) Standard Policy (Program offers 1, 3 & 6 month terms)

Customers have access 24/7 to their insurance policy information. https://starcanyoninsured.com

BENEFITS • TX ID not accepted on this program • Matricula/International License (copy required) • Out of state drivers license accepted (No Surcharge) • No Medical Statement required • Up to 40 years for liability • Up to 20 years for Comp/Coll • Salvage Title accepted with Liab only • Automatic 25 miles into Mexico PAYMENT PLANS Pay # of 1st Due Plan Inst Date 15% 5 15 days 16.67% 5 20 days 19.5% 5 25 days 24% 4 30 days FEES Policy Fee SR-22 Late Fee Return Check Installment Fee

1 Month $12.85 $10 N/A $25 N/A

1st Cancel Date 26 days 30 days 33 days 42 days 3 Month $36 $12 N/A $25 N/A

Future Due Date 30 days 30 days 30 days 30 days 6 Month $72 $25 $10 $25 Rule 14

Credit Card Processing Fee $2.95 (PrimorisVendor charge) Recurring Credit Card Fee $2.95 E-check – Single payments or recurring No Charge Non-Owners Not written

SCAN TO SMARTPHONE ACCESS TO MAKE PMT & ID CARD

• • • •

Print Dec & ID Cards Make Payments Report Claims Policy Detail

• • • •

Live Chat Go Paperless Upload Documents 24 hour access Celestite Policy Scan

Photo Upload Made Easy Upload photos in 1 simple step Celestite Policy Scan is available for both Iphone and Android devices.

Text Alerts / Email Alerts

Sign your customers up today to receive text and email alerts for payment reminders. Once signed up, we will send your customer alerts for the following: • Welcome Text or Email for new customers • Payment / Renewal reminder the day prior to their due date • Payment / Renewal reminder the day prior to cancel or expiration.

Agency Fees

Upload your agency fees in a single transaction. When binding a policy or simply posting a payment, you can add your agency fees and eliminate the duplicate transaction.

How does it work? When posting both Credit Card & E-Check payments you will be prompted “Are you charging additional fees”. Once posted the premium payment is applied to the policy and the agency fee will be added to your next commission statement.

You will not receive a 1099 for your agency fees.

INSTRUCTIONS ATTACHING DOCUMENTS & PHOTOS • • • • •

Log into system inquire desired policy select “Notes/Susp” click “Add” from the “Attachments” line Attach image(s)

DISCOUNTS Homeowner Multi-Car Safe Driver

5% 20% 15%

TIERED PRIOR DISCOUNT 6 months = 20% 12 months = 25% 24 months = 30% Maximum policy discount is 40%. Prior Insurance qualification is named insured provides at least proof of six-months of continuous coverage with no more than a 30-day lapse in coverage.

PROHIBITED VEHICLES • Any model vehicle with an ISO symbol greater than 23 • Years 2010 and prior or symbol 49 for Model Year 2011 and newer for OTC/Collision; • Any vehicle with an ACV of $45,000 or more; • Any vehicle with a salvage title for OTC/Collision • Any vehicle older than 40 years; • OTC and collision coverage on vehicles over 20 years old • One Ton’s NO LOSS PROCEDURES Agents have the ability to accept a no loss up to 10 days from the cancellation date. Only a company generated no loss will be accepted. A company generated no-loss is provided in the memo section of the policy.

CONTACT INFORMATION MAILING ADDRESS P O Box 143249 Irving, Texas 75014 CUSTOMER SERVICE Monday – Friday 8:00am – 6:00pm CST Saturday 10:00am – 2:00pm Phone - (866) 424-9511 Fax - (866) 424-9510 PAYMENT SERVICES Automated Inquiry – (877) 634-8533 (24 x 7) CC & E-Check Payments – (877) 634-8533 (24 x 7) Online – www.Policy-Service.com CLAIMS SERVICE Monday – Friday 8:00am – 6:00pm CST Phone - (877) 754-9534 Fax - (877) 754-9537 MARKETING Supplies: Marketing@StarCanyonUSA.com Phone (866) 424-9511 Fax (866) 424-9510 HELPFUL CONTACT INFORMATION Texas Department of Public Safety Attn: Safety Responsibility Bureau P O Box 15999 Austin TX 78761 TDI - http://www.tdi.state.tx.us/

TDI 800-252-3439 ITC 800-383-3482 QQ 800-940-6600

VALUE ADDED SERVICES Cash Payment Location

REWRITE PROCEDURES Policies that have cancelled for nonpayment may be eligible to be rewritten. A new policy number is assigned with the rules and rates that are in effect at time of the rewrite. The policy will be issued with the same drivers, vehicles and coverage’s as the prior policy. The rewrite option is located in the status tab of the policy.

INSURED NSF Star Canyon will reimburse any insured payment that an agent takes on our behalf that is return for insufficient funds by the bank. An agent may notify us by faxing or emailing us a copy of the front and back of the NSF.

® www.IsoPay.com (location search)

10,000 Locations Nationwide Including IPP & Ace Cash Express $8.00 Per Month Per Policy Add to Liability & Physical Damage Policies Nation Safe Driver CS – (855) 548-5630 Towing Dispatch – (800) 745-5791 • Towing up to 15 Miles • Run out of gas • Lost or Keys locked car • Flat Tire • Dead Battery

More Information about Aggressive Rocks! El Paso at www.Aggressive.rocks

Aggressive Insurance E&O Express Quote & Binding

Property Disclaimers Agents E&O Tips http://www.agentseotips.com/ Posted on December 29, 2014 by Curt Pearsall On virtually all lines of insurance, there is no doubt that commercial property accounts produce the greatest number of large E&O claims. Based on the customer exposures, these E&O claims can easily exceed $100,000 and for some accounts, E&O claims in excess of $1,000,000 have occurred with a fair degree of frequency.

Typically the E&O claim alleges that the agency did not provide the proper limits on either the building, the contents, or on the business income exposure. There have certainly been E&O claims where all three of these exposures were alleged to have been “underinsured”.

While agencies have various “estimator” tools to address some of these exposures, clearly determining the proper property is not a perfect science. These tools can be a great starting point but they are obviously heavily influenced by the various “inputs” such as square footage, construction type, etc. Without the correct detailed information, the “outputs” can be inaccurate and thus not reflect the correct limit. While this is an issue for all property exposures (personal and commercial), determining the correct commercial property values seems to pose more of a problem.

For assistance in our E&O quote/bind process contact Affinity Insurance at 877-843-4553.

If coverage cannot be placed through Aggressive, Affinity can place coverage with one of their many carriers.

Office hours from 9am - 5pm Mon – Fri EST. Affinity Insurance - Brandi Baggett - Kristin Howland - Martha Klocke - Robert Hansen - Joan Mobley Underwriting Referrals For underwriting referrals and/or special acceptances please contact Bruce Jones at 972-827-3681 during office hours from 9am - 5pm Mon - Fri CST. Here's what we offer: Competitive prices We focus on the small to mid-sized personal lines agency Limits up to $ 1 million per claim/ $2 million aggregate

In the event of an E&O claim, customers oftentimes allege that the agent “picked the limit” and thus they (the agent) should be held responsible for the problem that has developed in the subsequent settlement of the claim. For an agent to add an element of E&O protection, it is heavily suggested that agents provide annually some disclaimer wording to commercial and personal clients. On various questionnaires and proposals (both personal and commercial lines), language such as the following should be provided: “property values determination is ultimately your responsibility so be sure to regularly review your property limits for adequacy”. The goal is to identify the client as the final decision maker.

Retroactive coverage available.

One Month Down-payment with 11 equal monthly payments Automatic EFT from your operating account.

No premium finance charges Minimum $1,000 deductible Automatic Renewals

It is also common for agents to add to the disclaimer some reference materials that the customer can access to assist in the determination of the property exposure such as appraisal or valuation services.

Aggressive Rocks!

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January 2015

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Go to www.EandOQuote.com for more information