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allied personal lines
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the latest
products
and tools
to best
serve your
markets
Personal Lines
We can help ; your customers' assets and give them a a greater sense of security.
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Commercial Lines
Our comprehensive protection will keep your customers' businesses safe when the
unexpected happens.
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what’s new
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the more
your
customers
buy, the
more they
save
Click below to learn more about our personal lines products and
customizable coverages designed to meet your clients’ needs.
Auto
DWELLING FIRE
Our auto target market
How we stand out in the marketplace
Allied Extra
Special physical damage endorsement
Lots of ways for customer to save
Underwriting basics
Our dwelling fire target market
Underwriting basics
Home
Our home target market
Homeowner packages
ID Theft
Inland Marine
Earthquake Coverage
Allied Extra
Lots of ways for customers to save
Underwriting basics
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Training
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Powersports
Our powersports target market
How we stand out in the marketplace
Lots of ways for customers to save
Underwriting basics
Umbrella
Our umbrella target market
Underwriting basics
Payment Options
Easy ways for customers to pay
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personal
allied commercial lines
Auto
When you
t
choose Allied
Insurance for
Information
is intended
as
See full guidelines
in
an
Visit
the
theoverview.
e-library on
the
Allied e-library
for full
Agent Center.
product details.
We provide an auto policy that’s highly inclusive, right out of the box,
yet can be customize to your customer’s needs with features like
Deductible Savings Rewards, Roadside Assistance, Good-as-New,
Allied Extras, the Special Physical Damage endorsement and numerous
discounts. In addition, our dedicated claims team is available 24/7 to be
there when customers need help most.
your auto
customers, you
provide them
peace of mind
Our premier auto target market
• Multi-car accounts
• Homeownership
• Supporting homeowner coverage
• Newer autos with full coverage
• Residence/employment stability
• Favorable loss history, including no more
than two comprehensive losses
• Continuous prior coverage
• Minimum $250 physical
damage deductibles
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Auto
See full guidelines in
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Allied Agent Center.
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Deductible savings rewards
Roadside assistance
Good-as-New
Vanishing Deductible
Basic
New Car Replacement/
Reduces customers’ deductible by $100
Covers towing up to 15 miles, fuel
Gap Coverage
for every year of safe driving.
delivery, lockout, jump starts, flat tire
Will additionally protect consumers from
assistance and online membership
losing money due to the depreciation of
discounts. Semi-annual cost is $14.
the vehicle in the event of a total loss.
Semi-annual costs is $40 for first vehicle
and $7 for additional vehicles. Maximum
charge is $61 per semi-annual policy.
Total Loss Deductible Waiver
Waives the entire deductible for
a total loss.
Plus
Includes basic package plus towing
up to 100 miles, trip interruption,
turn-by-turn directions and more.
Semi-annual cost is $30.
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How we stand out in the marketplace
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Auto
See full guidelines in
the e-library on the
Allied Agent Center.
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When your customer insures
their auto and home with
Allied, they get the Allied Extra
coverages for free.
Emergency Lockout Coverage
Accidental Death Benefit
Up to $150 to pay a locksmith when
Provides a $10,000 payment in the event
customer is locked out of their car or home.
of customer’s death resulting from an
Single Deductible
Customer pays only one deductible
Antique/Classic Auto Coverage
when the same event results in a covered
Pays up to $1,000 for direct or accidental
loss affecting multiple Allied policies,
loss to your auto’s spare parts.
including auto, home and powersports.
Allied will pay up to $2,500 for changed
In a total fire loss to the home, Allied will
needed to make your home or auto
waive the loss deductible up to $5,000.
accessible in case your customer or
Covers an airbag that deploys accidentally.
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Home and Auto Modifications
Deductible Waiver
Air Bag Replacement
3
accident involving the customer’s car.
Training
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their family member suffers paralysis or
dismemberment after a covered loss.
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Allied Extra provides bonus coverages for package customers
allied personal lines
allied commercial lines
Auto
home
See full guidelines in
the e-library on the
Allied Agent Center.
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We know not all parts are created
equal, so we give customers the
option to get the parts they want.
Allied’s standard auto product
provides physical damage
coverage to replace damaged
parts using similar and quality
parts when available. These parts
are guaranteed for the length of
time the customer owns
the vehicle.
Allied also offers the Special
Physical Damage endorsement
which enhances the base
contract to provide OEM parts
when available. The premium
for this coverage is 10% of the
comprehensive and collision
premiums and is provided on an
individual vehicle level.
Comprehensive and/or collision coverage is
required. Some restrictions apply.
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Special physical damage endorsement
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Auto
See full guidelines in
the e-library on the
Allied Agent Center.
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Multi-policy Discount
Good Driver Discount
Company Car Discount
Bundle home and auto insurance with us
A 20% discount for eligible customers
Customer pays a lower premium when
and save money:
meeting the Good Driver criteria as
they have a company car available for
• Auto/Home/Umbrella/Financial 29%
outlined in section 1861 of the California
their business and personal use. Single
• Auto/Home 23%
Insurance Code.
vehicle only.
Elite Good Driver Discount (CA)
Good Student Discount
Multi-vehicle Discount
A 15% discount for customers who
Earn lower rates for students with a
Customer saves when they insure
meet the definition of the California
B average or better.
multiple vehicles with us.
Good Driver criteria and who have no
• Auto/Renters 8%
New Vehicle Discount
Pay a lower premium for insuring a
chargeable accidents or violations in the
past five years.
deterrent systems. Independent Yet Never Alone®
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Reduced premiums for private
passenger auto equipped with theft
newer vehicle.
5
Anti-theft Device Credit
Agent Center
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Lots of ways for customers to save
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Auto
See full guidelines in
the e-library on the
Allied Agent Center.
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Automatic Payments Discount
Occupational Discount
• Paramedics
Pay bill automatically to avoid
A 12.5% discount for members of
• Pilots
service fees.
professional groups such as:
California Farm Bureau Discount
• Engineers
Customers get a premium discount on
• Scientists
personal auto insurance and business
• Educators
auto insurance for being a member of the
California Farm Bureau. A 7.5% discount
for sustaining members and 12.5% for
voting members.
For more information regarding the
• Police officers
• RN’s
• Government law enforcement
officers
• Doctors
• Licensed insurance producers
• Pharmacists
appointed with Allied/Nationwide
• Veterinarians
and Nationwide employees and
• Accountants
their family members
Proof is required.
California Farm Bureau Federation
• Dentists
and the many additional benefits of
• Fire fighters
membership, click here.
print a full list of
auto Discounts
12-month Rate Lock Discount
Insure both auto and home with
Allied Insurance and rate is locked in
for 12 months.
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Lots of ways for customers to save (cont’d)
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Auto
See full guidelines in
the e-library on the
Allied Agent Center.
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• Provide the name and date of birth
for all members of the household
• If either name insured’s are business
owners, provide an explanation for
the type of business
• If there is a company vehicle
used, provide information on the
application and in the notes
• List all members of the household
not listed as an operator as a non-
are possible related claims, note if
driver; if licensed, signed driver
that person is in the household
exclusion is required
• If operator is a student, provide
school name and address
• If the student qualifies as a good
student, provide copy of grades
• If the spouse does not drive or is
• If not writing Uninsured Motorist
not licensed, please send signed
Coverage or lower UM coverage,
driver exclusion for them with
submit the waiver with the
the application
application; this will prevent an up
rate to the insured
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• Review the CLUE Report; if there
Training
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• If there was an accident, provide
accident verification and whether
at fault or not at fault; if not at fault,
provide proof from other carrier or
police report
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Underwriting basics
allied commercial lines
home
Your
t
customer’s home is a big investment—
give them a dependable
insurance
option
Information
is intended
as
See full guidelines
in
an
Visit
the
theoverview.
e-library on
the
Allied e-library
for full
Agent Center.
product details.
When you choose Allied Insurance for your home customers, you’re
giving them peace of mind. We provide you with a home policy that’s
highly inclusive right off the bat, yet can be customized to fit your
customer’s needs.
Our home target market
• Owner occupied, primary residence
• Home insured to 100% of replacement cost value
• Well maintained/pride of ownership evident
• Newer/updated roof and utility systems
• Electrical system must consist of circuit breakers
• Adequate fire protection
• Favorable loss history
• Homes over $2.5 million should be
referred to Allied Private Client
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allied personal lines
allied personal lines
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home
See full guidelines in
the e-library on the
Allied Agent Center.
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Customize your customers
policies with features like our
Protection Plus and Premier
endorsements. Take a look
and see what separates our
endorsements from our standard
home policy helping you provide
exceptional value and protection
to your customers.
Protection Plus
Premier
• Personal Injury Liability
• Personal Property at another
• Coverage D Loss of Use with no
deductible
• Lock Replacement for when keys
are lost or stolen
• $500 per occurrence of
consequential loss to
refrigerated contents
residence 30% of Coverage C
• Loss of Use 24 month ALS
• Coverage D Loss of Use with
no deductible
• $5,000 Back-up of sewer or drain
• Personal Injury Liability
• Higher limits for theft of jewlery,
watches, furs, guns, business
property, and more.
• Lock replacement for when keys
are lost or stolen
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Homeowner Packages
allied personal lines
allied commercial lines
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home
See full guidelines in
the e-library on the
Allied Agent Center.
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To restore your customer’s
good name, Allied will pay up to
$25,000, with no deductible to
cover their expenses for $45 per
year. Available for homeowner,
condo and renters polices.
Coverages include:
Customers can call 866-451-7605,
Credit Monitoring
and they will be put in touch with an
Keeps a constant eye on customers
experienced professional who can:
credit report and immediately alerts
• Costs of executing affidavits
• Report identity theft to the Federal
• Lost income (maximum $250 per
day, total of $5,000)
• Help identify fraudulent accounts
• Help place a “fraud alert” on
credit reports
Trade Commission
• Notify credit-reporting agencies
• Loan re-application fees
• Contact creditors
• Attorney fees
• Help file a police report
Plus, customers can take advantage of
• Help replace driver’s license,
additional services. Through Allied’s
partnership with Europ Assistance USA,
they’ll have access to programs designed
to help them restore their identity.
passport, Social Security card, etc.
• Provide an emergency cash advance
if theft occurs away from home
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them to any critical changes.
Online Data Protection
Helps protect information online using
two tools:
• Data ScramblerTM protects their
keystrokes from key logging attacks
• PhishBlockTM warns the customer
if they attempt to access a
phishing site
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ID Theft
allied personal lines
allied commercial lines
home
home
See full guidelines in
the e-library on the
Allied Agent Center.
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Allied offers a number of coverage
options to protect your customers’
jewelry, fine art and other valuable
personal property. What’s great
about these endorsements is they
provide open peril coverage and
are not subject to a deductible.
HO-61 Scheduled Personal
HO-60 Scheduled Personal
12571 Blanket Personal
Property Endorsement —
Property Endorsement
Agreed Value
• Use for jewelry, fine arts, furs, cameras,
• Use for jewelry, furs, cameras,
musical instruments, silverware,
coins, stamps, and golf equipment
• Agreed value
Property Endorsement
• Single items $25k or less
• Use for jewelry items under $25k,
• Certified appraisals required for
fine arts, furs, cameras, musical
instruments, silverware, coins,
stamps and golf equipment
• Agreed value for fine arts and
replacement cost for all other classes
• Appraisals required on fine arts and
items $1,000 to $10,000*
IMA 823 Personal Jewelry Floater
• Use for jewelry items over $25k
• Replacement cost
• Certified appraisals required*
other articles valued over $25k only
• Complete descriptors required on
items without appraisals.
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musical instruments, silverware,
coins, stamps and golf equipment
• Replacement cost
• No descriptions or appraisals required
• $10k max limit per item for jewelry,
furs and fine arts
• $2.5k max limit per item for all
other classes
*A
ppraisals should be no more than
three years old
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Inland Marine
allied personal lines
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home
home
See full guidelines in
the e-library on the
Allied Agent Center.
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Allied provides customers access
to earthquake coverage through
a partnership with the California
Earthquake Authority (CEA). To
support this partnership CEA
quoting is now available on the
Agent Center through the new
Allternet tool.
Allternet Access and Features
• Quote CEA coverage for eligible
companion policies
• Review CEA policy information
• Review billing information, including
payment history; features allowing
payment through Allternet are
planned for future release
• Links to Allternet have been integrated
• Submit change requests for CEA
specific coverage options
into Agent Center to support both
the new business and existing
customer processes for property
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Earthquake Coverage
allied personal lines
allied commercial lines
home
home
See full guidelines in
the e-library on the
Allied Agent Center.
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When your customer insures
their auto and home with
Allied, they get the Allied Extra
coverages for free.
Deductible Waiver
Antique/Classic Auto Coverage
In a total fire loss to the home, Allied will
Pays up to $1,000 for direct or accidental
waive the loss deductible up to $5,000.
loss to your auto’s spare parts.
Air Bag Replacement
Home and Auto Modifications
Emergency Lockout Coverage
Covers an airbag that has
Allied will pay up to $2,500 for changed
Up to $150 to pay a locksmith when
accidentally deployed.
needed to make your home or auto
customer is locked out of their car
or home.
Accidental Death Benefit
Provides a $10,000 payment in the event
Single Deductible
of customer’s death resulting from an
Customer pays only one deductible
accident involving the customer’s car.
when the same event results in a covered
loss affecting multiple Allied policies,
including auto, home and powersports.
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accessible in case your customer or
their family member suffers paralysis or
dismemberment after a covered loss.
t
Allied Extra provides bonus coverages for package customers
allied personal lines
allied commercial lines
home
home
See full guidelines in
the e-library on the
Allied Agent Center.
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Multi-policy Discount
Personal Status Discount
Roof Credit
Customers can save up to 29% when
An 8% discount for customers who are
A 3% discount for homes with a tile or
they bundle their Auto/Home/Umbrella/
married, registered domestic parents
metal roof; applies to HO 3/5.
Financial policies; Auto/Home 25%; or widowed.
Auto/Condo 15%; Auto/Renters 5%.
Protective Device Credit
Claim Free Discount/
A 2%-15% credit for homes equipped
Home Purchase Discount
Retention Credit
with protective devices including smoke
A 10% discount for newly purchased
Save up to 9% for customers who
detectors, fire alarms, burglar alarms and
homes; applies to HO 3/5.
are claim free for a three year period;
residential fire sprinklers.
Age of Insured Discount
A 2% discount for customers ages 40-49;
5% discount for customers ages 50-59;
10% discount for customers ages 60+.
discount increases with tenure/retention;
1% retention credit applies after three
years regardless of claims.
Age of Construction Discount
A 2%-45% discount for homes
constructed in the last 75 years; applies
to HO 3/5.
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Gated Community Discount
Customer save 5% when a home is
located within a controlled access
community.
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Lots of ways for customers to save
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home
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• If the insureds are married, list both
• If named insureds are business
occupations even if both are not
owners, explain what type of
listed as named insureds
business and if their are any
business exposures on the premises
• If the named customers are not
(i.e. foot traffic)
married, please list their relation,
whose name is on the title and who
• Property within 1000 feet of shore
is living at the house
• Explain the relation of other
or property on an island is ineligible
• Agency binding authority for HO-3
household residents (i.e. roommates,
family) in the notes section and if an
HO4 was offered or needed
• For new business, mark if water
and HO-5
° Protection Class 1-8: $1,000,000
° Protection Class 9-10: contact
your underwriter prior to binding
heater has been strapped and
shut-off valves required prior to
binding in zip codes 94121-9412294010-94611
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Ineligible Dog Breeds
Swimming Pools
Diving Boards
Sliding Boards
Trampolines
Wildfires
print Underwriting
basics Snapshot
t
Underwriting basics
See full guidelines in
the e-library on the
Allied Agent Center.
allied commercial lines
dwelling fire
we can
t
cover your
customers
rental
investments
units too
Our dwelling fire target market
• One to four family rental dwellings
• Part of a package account
• Stable tenants
• Dwelling insured to 100% of replacement cost value
• Newer/updated roof and utility systems
• Adqequate fire protection
• Favorable loss history
(no losses in three years —
wind is acceptable)
• Up to 15 rental dwellings per insured
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Information
is intended
as
See full guidelines
in
an
Visit
the
theoverview.
e-library on
the
Allied e-library
for full
Agent Center.
product details.
With Allied’s broad product spectrum we’re able to offer solutions for
your customers dwelling fire units. Allied lets you offer a 5% discount if
the insured has both their home and auto with us.
• Property well maintained
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home
Training
Marketing
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allied personal lines
allied commercial lines
home
dwelling fire
See full guidelines in
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Allied Agent Center.
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• Provide who is living in the home
(i.e. family or tenants)
• List name, address and phone
number if there is a property
manager; property manager is
required on all rental locations in
• Property manager required if 5
or more properties and 2 or more
hours away
• List only one location per policy
• Maximum Coverage A of $2.5 million
which the insured lives two or more
hours away
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• Agency binding authority
° Protection class 1-8: $750,000
° Protection class 9-10
are ineligible
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Underwriting basics
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powersports
allied
t
understands
Information
is intended
as
See full guidelines
in
an
Visit
the
theoverview.
e-library on
the
Allied e-library
for full
Agent Center.
product details.
Allied powersports can insure 95% of the vehicles that come through
your doors. With Allied’s stand alone motorcycle, RV and boat products
you can offer a dedicated portfolio of powersports products that can be
tailored to customers who are passionate about their toys.
people are
passionate about
powersports,
in fact, we’re enthusiasts too
Our powersports target market
• Motorcycle
• ATV
• Snowmobile
• RV
• Boats
• Multipolicy
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print a full list of
POWERSPORTS VEHICLES
t
allied personal lines
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
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• Sell as a lead line and cross-sell
Allied’s auto or home
• Year-round coverage with a typical
lay-up period for geography built
into the pricing
• Wide array of discounts
• Flexible payment options including
• Free Vanishing Deductible Rewards
reduces your customers deductible
by $100 for each claim-free
annual renewal
• Handled by specialty claims
adjusters and associates with
experience responding to
motorcycle, RV and boat claims
Flex Chek (automated EFT) and
30/60/90
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• Dedicated speciality products
service center
• Write up to 12 vehicles on a
single policy
read more...
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How we stand out in the marketplace
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
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Motorcycle
Open to Harley Davidsons, cruiser,
touring, sport bikes, custom bikes, ATVs
and dirt bikes, scooters and mopeds,
Safety Apparel
Original Equipment Manufacturer
With collision coverage insured is eligible
Coverage to replace lost or damaged
for up to $2,000 for helmets, leathers
parts in a covered loss with OEM parts.
and other safety apparel.
snowmobiles, golf carts, dune buggies
Guest Passenger Bodily Injury
Available for trikes, custom and limited
and more.
Coverage for passengers while riding
production bikes.
Custom Equipment
covered vehicle.
With physical damage coverage, customer
Roadside Assistance
is eligible for up to 3,000 for aftermarket
Coverage for towing and labor when
parts and accessories including custom
vehicle is disabled.
paint and chrome. Additional coverage
up to $30,000 may be purchased.
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Agreed Value
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How we stand out in the motorcycle insurance marketplace (cont’d)
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
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RV
Custom Equipment
Full-Timer’s Package
With physical damage coverage, insured
Homeowner insurance coverages for
Allied’s RV coverage handles Class A,
is eligible for up to 1,000 for aftermarket
people who live in their RV seasonally or
B, and C motorhomes, bus conversions,
parts and accessories. Additional coverage
year-round.
travel trailers, fifth wheels, toy haulers,
up to $30,000 may be purchased.
pop-ups, truck campers and more.
Roadside Assistance
Additional Physical Damage
Coverage for towing and labor when
Total Loss Replacement and Agreed Value.
vehicle is disabled.
is eligible for up to $10,000 in coverage
Personal Effects
Total Loss Replacement Coverage
for liability in and around a camp site.
Primary coverage for what customers
If your customer’s recreational vehicle is
Additional coverage up to $500,000 may
bring with them.
totaled within the first two model years,
Vacation Liability
With physical damage coverage, insured
we’ll replace it.
be purchased.
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How we stand out in the RV insurance marketplace (cont’d)
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
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Boat
Allied’s boat product is able to write bass
boats, cabin cruisers, pontoons, fishing
boats, runabouts, personal watercrafts,
sailboats and canoes.
All packages include free Roadside
Wreckage Removal
Roadside Assistance
With liability and physical damage
Should your customers boat towing
coverage, the cost to remove wreckage is
vehicle or trailer become disabled, the
covered if insured is legally responsible to
covered expenses for towing the boat
raise, remove or destroy the watercraft.
to the nearest qualified repair facility
Rental Reimbursement
Customer will be reimbursed for covered
On-water Towing and Labor
expenses that happened while renting
Coverage pays for towing a disabled boat
Pollution Liability
a substitute watercraft after their boat
back to dry land, or emergency assistance
Covers liability resulting from
or personal watercraft has sustained a
when a covered watercraft is disabled
unintentional oil or fuel spills.
covered loss.
while afloat.
Primary Coverage for Personal
Additional Physical Damage
Effects and Fishing Equipment
Total Loss Replacement Agreed Value or
Coverage for what a customer brings
actual cash value.
Assistance coverage for trailered boats.
on their boat.
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are covered.
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How we stand out in the boat insurance marketplace (cont’d)
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
t
Motorcycle
Multi-policy Discount
Customer saves when they also
insure their auto, home, condominium
or apartment.
Multi-vehicle Discount
Customer saves when they insure
multiple vehicles with us.
Safety Course Discount
Complete an approved safety course to
receive a discount.
Theft-recovery Discount
Homeowner Discount
Customers save 20% on their premium
Customer saves when they own their
when they have a radio or professional
home, condo or townhome.
installed GPS theft-recovery system.
Riding Association Discount
A 10% discount when the customer pays
Customer saves if they are a member of a
their 12-month premium in full. read more...
riding association.
Anti-lock Brake Discount
A 5% discount when customer’s
motorcycle is equipped with a
factory-installed 2- or 3-wheel
anti-lock braking system.
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Contacts
Agent Center
Paid-in-full Discount
Training
Marketing
t
Lots of ways for customers to save (cont’d)
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
t
RV
Multi-policy Discount
Customer saves when they bundle their
RV, with their home, boat or auto.
Safety Course Discount
RV Association Discount
Complete an approved safety course to
Lower customers cost if they belong to a
receive a discount.
Safety Accessories Discount
Multi-vehicle Discount
Additional savings when an engine fire
Substantial discount when insuring all
suppression system or LP gas protection
motorhomes and travel trailers on one
system with automatic shutoff is
policy, up to 12 vehicles.
permanently installed.
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24
Contacts
Agent Center
Training
Marketing
qualified RV association.
Paid in Full Discount
A 10% discount when the customer pays
their 12-month premium in full.
t
Lots of ways for customers to save (cont’d)
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
t
boat
Boater Safety Course Discount
Packages
Complete an approved safety course to
Allied offers significant discounts if your
receive a discount.
customer buys packaged coverages such as:
home or RV they can receive multiline
Diesel Fuel Discount
• Weekenders
discounts on their boat or personal
If boat is powered by diesel fuel, your
• Overnighters
watercraft policy.
customer can save even more.
Multi-boat Discount
Paid in Full Discount
Customer saves when they insure more
A discount is available when the
than one boat on their policy.
customer pays their annual premium in
Multi-policy Discount
When customer bundles their boat, auto,
full in select states.
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Contacts
Agent Center
Training
Marketing
• Light-Tackle Angles
• Deep-Water Pro
t
Lots of ways for customers to save
allied personal lines
allied commercial lines
home
powersports
See full guidelines in
the e-library on the
Allied Agent Center.
t
Motorcyle
RV
Boat
• Up to $50,000
• Up to $500,000 motorhomes
• Boats up to 50 feet
• Utility vehicles for personal use only
• Up to $300,000 towables
• Up to $250,000 in value
• Not used for racing
• Underwriting approval for horse
• Up to two engines; 500 hp on one,
trailers with living or tack quarters
1000 hp on two
• Personal watercraft up to $27,000
• Boats up to 75 mph; bass boats up
to 90 mph
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Contacts
Agent Center
Training
Marketing
t
Underwriting basics
allied commercial lines
umbrella
allied offers
t
liability
coverage that
goes above and beyond
home
Information
is intended
as
See full guidelines
in
an
Visit
the
theoverview.
e-library on
the
Allied e-library
for full
Agent Center.
product details.
We understand your customers may need extra protection and coverage.
Allied offers personal umbrella coverage for those who insure their
underlying liability exposures with us with limits up to $5 million. Our
umbrella policy can help keep your customer’s home, savings and income
safe from lawsuits.
Many providers offer “excess” policies, which provide coverage past a
specified primary insurance limit. While an excess policy increases the
amount of coverage available, it does not increase the scope of coverage.
Allied fulfills its promise of superior service by offering a true umbrella
policy. An umbrella policy differs from an excess policy in one critical
aspect: It typically insures against certain risks that the primary policy
does not cover. In this way, umbrella policies function as gap-fillers and
provide protection that excess policies do not.
Independent Yet Never Alone®
27
Contacts
Agent Center
Training
Marketing
t
allied personal lines
allied personal lines
allied commercial lines
umbrella
home
See full guidelines in
the e-library on the
Allied Agent Center.
t
• Applicants with occupations which
place them in the public limelight are
generally unacceptable; examples
include, but are not limited to:
• Can only be written in the name
of an individual
• All personal liability exposures
must be written by an Allied
° Politicians, running for public office
° Broadcasters
° Radio and television personalities
° Editors
limits of $2,000,000 - $5,000,000,
° Entertainers
please contact your underwriter or
° Active or retired
Insurance company
• Agency binding limit of liability
must not exceed $1,000,000; for
submit risks unbound
professional athletes
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Contacts
Agent Center
Training
Marketing
t
Underwriting basics
allied commercial lines
home
payment options
Allied makes it
t
easy for your
customers to
pay by offering many payment
options.
Pay in Full
• Only the first billing statement is
Insured can pay the full amount due to
sent to the customer, unless the
avoid service charges. Powersports offers
monthly amount changes
a 30/60/90 day payment option (25%
down and 25% on days 30, 60 and 90).
Flex Chek
• Automated electronic funds transfer
• No service fee
• Allows Allied to automatically
deduct the monthly premiums from
the customer’s checking account
Independent Yet Never Alone®
29
Contacts
Agent Center
See full guidelines in
the e-library on the
Allied Agent Center.
Training
Marketing
• Authorization form is available on
the agent center
• Agency can key Flex Chek on the
agent center for new and existing
business
• Customer can sign up online at
alliedinsurance.com
read more...
t
allied personal lines
allied commercial lines
home
payment options
things to remember
t
Online
Mail
Customers can visit alliedinsurance.com
Your customer can mail Allied a check
and choose from the following payment
using the courtesy reply envelope
options:
enclosed with your billing statement. A
• EZ Check — A one-time deduction
service fee does apply.
Agent
service fee does apply
A customer may choose to pay their bill
American Express, or Debit card;
service fee does apply
at your office. You may offer these two
payment options:
• EZ Check — A one-time deduction
Phone
from insured’s checking account;
Customers can dial 800-282-1446,
service fee does apply
choose option 2 then choose from the
following payment options:
• EZ Check — A one-time deduction
from insured’s checking account;
service fee does apply
• Credit Card — VISA, MasterCard,
• Credit Card — VISA, MasterCard,
American Express, or Debit card;
service fee does apply
Mortgage Company
or mortgagee billed Home/Dwelling Fire
Forms
Billing forms are available on the Agent
Center. Agency Resource>elibrary> Supp
Form-Misc. your state>Billing Forms
Fees
• $6 per installment fee (CA only)
• $10 reinstatement fee per account
• $30 NSF or returned check fee
• Flex Chek (EFT) has no fee. to mortgagee.
center at alliedinsurance.com.
Independent Yet Never Alone®
Agent Center
except for Flex Chek (one month down)
Customers can sign up on customer
service fee does apply
Contacts
Two months down payment is required
Bill is sent one time, directly
American Express, or Debit card;
30
New Business
policies.
from insured’s checking account;
• Credit Card — VISA, MasterCard,
See full guidelines in
the e-library on the
Allied Agent Center.
Training
Marketing
t
allied personal lines
allied personal lines
allied commercial lines
home
t
top-quality
protection
for
business
With Allied Commercial Lines, not only do you get a comprehensive line
of products; you also get access to designated underwriters and loss
control staff. This close working relationship helps us better understand
your business and respond quickly to your needs. Click below to learn
more about our commercial lines products and customizable coverages
designed to meet your clients’ needs.
view commercial
lines product details
owners
Information is intended as
an overview. Visit the
Allied e-library for full
product details.
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31
Contacts
Agent Center
t
commercial
Training
Marketing
allied personal lines
allied commercial lines
home
allied contacts
print a full list
of contacts
t
Your Sales Manager:
Phone:
Email:
Your PL Underwriter:
Phone:
Email:
Your CL Underwriter:
Phone:
Email:
Your CL Field Underwriter:
Phone:
Email:
Your Private Client Underwriter:
Phone:
Email:
Your Farm/Ag Underwriter:
Phone:
Email:
Your PL Remarketing Underwriter:
Phone:
Email:
Your CL Remarketing Underwriter:
Phone:
Email:
Regional Office
Mailing Address
t
We’re here when you need us
Agent Center Help Desk
Customer Service
888-667-3866
Personal Lines Service Center
Allied Insurance
800-282-1446
PCRO Regional Office
Websites
2251 Harvard St., Ste. #200
Agent Center
Sacramento, CA 95815
aac3.alliedinsurance.com
Commercial Lines Service Center
866-322-3214
For you and your customers
alliedinsurance.com
Farm Lines Service Center
800-418-3188
Specialty Service Center 877-877-7907
Claims Reporting 800-282-1446
Independent Yet Never Alone®
32
Contacts
Agent Center
Claims Status 800-552-2437
Training
Marketing
allied personal lines
allied commercial lines
home
agent center
t
Quote new business with ease, inquire about existing customers, find the latest news on products, underwriting
basics, discounts and more. Log in to the Allied Agent Center now.
To learn more about how to use the functionality of the Agent Center such as quoting new business, visit the
Help section under the Learning Center tab on the homepage. Here you’ll find answers to everything related to
the Agent Center.
Independent Yet Never Alone®
33
Contacts
Agent Center
Training
Marketing
t
Your portal to everything Allied
allied personal lines
allied commercial lines
home
training
t
Allied offers robust training tools to get you up-to-speed on Allied systems and overall sales training. Visit the
Sales University section located in the Learning Center tab. You’ll find both web and classroom-based training
modules and events ranging from Agent Center training to our in-house Sales Builder and Sales PhD classes.
Visit the Learning Center tab on the Allied Agent Center.
Class and resource list
• Sales Virtual Classroom: Agent Center webinars and tutorials
• SalesBuilder
• Sales PhD
• Take the Lead: Agency Principal Series
• Take Action!: Sales Skills for CSR’s
• By Your Side
• On Your Side Certification
• Time2Drive®
Independent Yet Never Alone®
34
Contacts
Agent Center
Training
Marketing
t
Tools to help you grow with Allied
allied personal lines
allied commercial lines
home
marketing
t
Allied offers a suite of tools to help you and your agency reach your marketing goals. Whether you’re looking to
increase your web presence, reach out to existing customers or prospect new customers Allied offers a solution
for you.
Marketing Collateral
Allied Marketing Storefront — Allied’s online marketing collateral portal. Click here to order customized brochures, postcards, flyers,
radio ads, execute direct mail campaigns and more. Allied Merchandise Shop — Allied’s online shop to find all your Allied branded apparel including shirts, hats, promotional items,
giveaways and more. Click here to order your items today.
Digital Marketing
DIY ­— Allied’s do-it-yourself site on everything digital. If you’re looking for information on setting up a website, search engine
optimization (SEO), executing email campaigns and social media best practices, click here. You can build your customized learning plan
and take advantage of this exclusive Allied agent offering to assist you in building your agency’s online presence.
Digital Solution — Allied’s digital marketing program works with you step-by-step in setting up and continuously optimizing your
agency’s online presence. We’ll help move up the search engine listings so new and existing customers can find you more easily. Contact
your sales manager to learn more about this program.
Independent Yet Never Alone®
35
Contacts
Agent Center
Training
Marketing
t
Your agency brand is important to your customers and your community
allied personal lines
allied commercial lines
home
Products underwritten by AMCO Insurance Company, Allied Property & Casualty Insurance Company, Depositors Insurance Company, Nationwide Insurance Company of America, Nationwide Affinity Insurance Company of America, Nationwide
Property and Casualty Insurance Company, Nationwide Mutual Fire Insurance Company, and Nationwide Agribusiness Insurance Company. Home Office: 1100 Locust Street, Des Moines, Iowa 50391-2000. Customers will be placed with one of the
above companies based on your location and the product requested. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide, Nationwide Insurance and the framemark
are service marks of Nationwide Mutual Insurance Company. ©2012 Nationwide Mutual Insurance Company. All rights reserved. (10/12)