2016 Product Guide - Appalachian Underwriters, Inc.

LETTER FROM OUR PRINCIPALS
Welcome
Appalachian Underwriters, Inc. was founded
in 1996 upon the principles of providing the
products and services that small businesses need.
Throughout the past 20 years, our purpose hasn’t
changed and we stand by that commitment
today. We have continued improving and
expanding the types of products we provide,
such as the Xpress Phone Quote System and the
Online Raters for many of our products.
Here at Appalachian Underwriters, we are
constantly updating, changing and adding
services and products to best satisfy the needs of
our customers. Please check our website,
www.appund.com, to stay up-to-date on all of
our initiatives to be the best MGA we can be.
Our marketing staff is available to answer any
questions you may have and to assist with getting
your appointment to do business with us.
Thank you for taking the time to review our
product guide. Call today to discuss how we can
partner together to make, “Business Made Easy.”
Sincerely,
Robert J. Arowood
William M. Arowood
Principal
Principal
p 888-376-9633 | f 888-871-7644 | www.appund.com
TABLE OF CONTENTS
ABOUT THE COMPANY ......................... 1
AUI AGENT ADVANTAGE ...................... 2
HOW TO GET APPOINTED ..................... 3
MARKETING TEAM ................................ 4
WORKERS’ COMPENSATION ................ 5
COMMERCIAL SPECIALTY .................... 7
BROKERAGE .......................................... 9
PERSONAL LINES .................................. 11
GARAGE .............................................. 13
XPRESS QUOTES ................................... 14
PEO ....................................................... 15
CONTACT DIRECTORY ........................ 17
p 888-376-9633 | f 888-871-7644 | www.appund.com
ABOUT OUR COMPANY
NATIONWIDE
AUI provides coverage in all 50 states and has offices located across the country to better serve over 30,000 agencies.
ACCESS TO OVER 150 CARRIERS
Our partnership with over 150 carriers allows us to offer a wide range of
products and services, as well as offer competitive pricing.
CELEBRATING 20 YEARS
Founded in 1996, we have been building partnerships with our agents for
over 20 years.
NATION’S 6TH LARGEST MGA
Named Nation’s 6th Largest MGA in 2015 by Business Insurance.
5-STAR MGA
Voted 5-Star MGA in 2016 by Insurance Business America.
BUSINESS MADE EASY
1
AUI AGENT ADVANTAGE
ACCESS TO OVER 100+ MARKETS
We offer access to both Admitted and Non-Admitted markets through
our partnership with national and regional carriers.
ONLINE AGENT PORTAL - RATE, QUOTE, BIND ONLINE AND MORE!
XPRESS QUOTES
DEDICATED UNDERWRITING AND MARKETING TEAMS
AGENT TRAINING
WEBINARS
AGENT ADVANTAGE REWARDS PROGRAM
Our members have access to many perks with our AUI Agent Advantage Program.
REWARDS CARD
Earn an extra $10 for every eligible new business bind
NEW AGENCY REFERRALS
Earn an extra $100 for referring a new appointed agency
AGENT GIVEAWAYS
We hold many different prize giveaways throughout the year
EXCLUSIVE AGENT DISCOUNTS
Through multiple vendors including Staples, AT&T, Dell Computers,
Choice Hotels and rental car companies
HOW TO GET
Visit our website at www.appund.com and click on the
“Get Appointed” link.
Submit completed appointment packet to:
appointment@appund.com or fax to 866-422-9637.
Contact our Marketing Department for questions or
assistance at 888-376-9633 ext. 2008
The Appalachian Underwriters agent membership offers
insurance agents and brokers access to national and
regional carriers in both admitted and non-admitted
markets. We will provide a dedicated team of professionals
aligned by state and region to ensure your agency gets the
support it needs to be successful. Becoming an appointed
agent has many advantages and places your agency in a
competitive position in the market.
MARKETING TEAM
Contact a Marketing Representative
888-376-9633, ext. 2008 | marketing@appund.com
Find a Representative in your area at
www.appund.com/prospectiveagents
Our Internal Marketing Team collaborates with our Underwriting
Team to achieve industry leading service levels.
Our team of experienced regional field representatives visit
agencies to offer personalized service.
We routinely travel the country hosting lunch and learn workshops
and trade shows empowering our agents with the knowledge
and tools to be successful. We partner with our agents and
together it is “Business Made Easy.”
We invite you to visit our website for our
schedule of upcoming events!
www.appund.com/training#events
p 888-376-9633 ext. 2008 | f 866-953-7153 | marketing@appund.com
www.appund.com/ProspectiveAgents
4
WORKERS’ COMPENSATION
Workers’ Compensation is one of our core lines of business and what our company
was founded upon. If there is a case you are working on, odds are we will have a
solution for you.
CHOICE COMP
• Auto Body Shops
• Auto Parts Stores
• Auto Services
• Bars and Taverns
• Beauty Salons
• Book Stores
•Clerical
• Clothing Stores
• Convenience Stores
with Gas Sales
• Fast Food Restaurants
• Grocery Stores
• Restaurants with Wait Staff
• Retail Bakeries (No
Delivery)
• Retail NOCs
• Tobacco and
E-Cigarette Stores
• Wholesale NOCs
• Hardware Stores
•Hotels
• Insurance Agencies
• Law Offices
• Liquor/Wine Stores
• Machine Shops
• Medical/Dental Offices
• Pet Stores
• Pharmacy/Drug Stores
• Plastics Manufacturing
• Printing Operations
HEALTHCARE
• Assisted and Independent Living
Facilities
• Retirement Communities
• Nursing Homes
• Home Healthcare
• Surgical Hospitals
Call for more programs, products and state availability!
ACORDs and applications are available online at www.appund.com/forms.
p 888-376-9633
ext.
2204
| f|888-871-7644
| |wcsubmissions@appund.com
p 888-376-9633
ext.
2008
f 866-953-7153
marketing@appund.com
www.appund.com/WorkersCompensation
www.appund.com/ProspectiveAgents
5
4
WORKERS’ COMPENSATION
Hard-to-place Workers’ Compensation is our specialty! Receive an instant premium
indication for most construction risks by using our XpressWorkersComp Online Rater!
New Ventures, No Prior, Lapses in Coverage, and High Experience Mods are eligible.
CONSTRUCTION
• Acoustical Ceiling
• Carpet Installation
• Commercial Construction
• Commercial Janitorial
• Concrete Construction NOC
• Door and Window Installation
•Drywall
• Electrical Wiring
• Excavation and Grading
• Fence Erection
• Fire Sprinkler Installation
• Flat Concrete
•Framing
• Hardwood Floor Installation
•HVAC
• Interior Trim
• Landscape Construction
• Landscape Maintenance
•Masonry
•Millwright
•Painting
•Plumbing
• Residential Construction
• Residential Janitorial
• Siding Installation
• Stone and Brick Paver Installation
• Swimming Pool Construction
• Tile Installation
•Welding
OTHER RISKS COVERED
•Aviation
• Defense Based Act
•Foreign
•Manufacturing
• Professional Employer Organization
•Transportation
• Temporary Staffing
• United States Longshore and
Harbor (USL&H)
Call for more programs, products and state availability!
ACORDs and applications are available online at www.appund.com/forms.
p 888-376-9633
ext.
2204
| f|888-871-7644
| |wcsubmissions@appund.com
p 888-376-9633
ext.
2008
f 866-953-7153
marketing@appund.com
www.appund.com/WorkersCompensation
www.appund.com/ProspectiveAgents
6
4
COMMERCIAL SPECIALTY
The Commercial Specialty division is focused on providing agents access to a
reputable line of carriers offering a wide range of coverages and classes. Our
team of dedicated and experienced Underwriters provide unequaled quote
turnaround time and policy services.
LINES OF BUSINESS
• Commercial Auto
• Builder’s Risk
• Contractor’s
Equipment
• Cyber Liability
• Directors and Officers
• Errors and Omissions
• Excess Liability
• General Liability
• Inland Marine
• Installation Floater
• Liquor Liability
• Property
CONTRACTORS (Commercial and Residential)
• Artisan/General Contractors
• Carpentry
• Concrete
• Drywall
• Electrical
• Flooring
• Handyman
• HVAC
• Janitorial
• Landscaping
• Roofing
• Septic Tank
• Swimming Pool Construction
• Window Cleaning
PACKAGE (General Liability and Property)
RESTAURANTS
• Fast Food Restaurants
• Bars and Taverns
• Banquet Halls
• Night Clubs
BUILDINGS
• Apartments
• 1,2,3 and 4 Family Dwellings
• Up To 50% Subsidized Housing
• Not Age Restrictive
• Pool Exposure Approved
• Vacant
MISCELLANEOUS
• Convenience Stores
• Daycares
• Grocery Stores
• Electronics Stores
• Laundromats
• Nail Salons
• Office Buildings
Call for more programs, products and state availability!
ACORDs and applications are available online at www.appund.com/forms.
p 888-376-9633 ext. 2200 | f 866-253-7030 | essubmissions@appund.com
www.appund.com/CommercialSpecialty
7
COMMERCIAL SPECIALTY
INLAND MARINE
CONTRACTOR’S EQUIPMENT
• Scheduled Equipment
• Owned Small Tools ($1,000 per item)
• Employee Tools ($1,000 per item)
• Equipment Leased or Rented from Others
• Equipment Borrowed from Others
BUILDER’S RISK
• Ground Up Builder’s Risk
• Rehab and Renovation
with No Structural Changes
• Protection Classes 8, 9 and 10 Eligible
INSTALLATION FLOATERS
• Specific Job Versus Blanket
• All Risk
PROFESSIONAL LIABILITY
• Cyber Liability
• Directors & Officers
Liability
• Employment Practices Liability Insurance
• Insurance Agents E&O
• Management
Consultants
• Non-Profit Directors and Officers
• Public Officials
• Real Estate Agents
• Staffing
• Tech E&O
• Temporary Staffing
COMMERCIAL AUTO
CONTRACTORS (Commercial/Residential)
• Alarm Installers
• General
• Electrical
• HVAC
• Fencing
• Irrigation
• Floor Covering
• Landscaping
• Framing
• Masonry
• Painting
• Plumbing
• Roofing
PEST CONTROL SERVICES
APPLIANCE REPAIR
DISTRIBUTORS
• Auto Parts Dealers
• Beverage
• Food
ENERGY
• Oil Field Service
• Natural Gas Service
Vehicles
Call for more programs, products and state availability!
ACORDs and applications are available online at www.appund.com/forms.
p 888-376-9633 ext. 2200 | f 866-253-7030 | essubmissions@appund.com
www.appund.com/CommercialSpecialty
8
BROKERAGE
Our Brokerage division provides alternative coverage for those hard-to-place
accounts and business segments that do not fit within one of our programs.
These accounts are typically non-renewed by an admitted carrier or are larger
than $10,000 in premium.
AVIATION
•Aircraft
•Airports
• Control Tower Liability
•Drones
CONSTRUCTION
• Airports
• Alarm Installation
• Boilers
• Bridge Repair
• Commercial Contractors
• Crane Erectors
• Demolition
• Dredging
• Drywall and Plastering
• EIFS
• Fiber Optic
• Fire Extinguishing Systems
• Foundation Repair
• Land Grading
• New York Contractors
• Oil and Gas
• Painting and Waterproofing
• Railroad Protective
• Residential Contractors
• Roofing
• Street and Road
ENVIRONMENTAL
• Asbestos Abatement
• Auto Salvage and Scrap Yards
• Biohazard Response
• Emergency Response
• Fire and Water Restoration
• Green Energy
• Hazardous Materials Consulting
• Hazmat Transporters
• Industrial Hygiene
• Lead Abatement
• Recycling, Landfills, Composting and Solid Waste
• Soil Remediation
• Storage Tank
MARINE
• Boat Dealer’s Inventory
• Charterers Legal Liability
• Excess Marine Liability
• Hull
• Hull Builder’s Risk
• Marine General Liability
• Motor Truck Cargo
• Ocean Marine
• Protection and Indemnity
Available in all states!
ACORDs and applications are available online at www.appund.com/forms.
p 866-984-3251 | f 866-409-3367 | brokersubmissions@appund.com
www.appund.com/Brokerage
9
BROKERAGE
GENERAL CASUALTY
• Amusement Centers
• Apartments
• Automotive Parts Manufacturing
• Auto, Truck and Manufacturers
• Cleaning Products Manufacturing
• Cosmetics, Skin and Hair Care
• Energy Drinks Manufacturing
• Exercise Equipment Manufacturing
• Fertilizer Manufacturing
• Furniture Manufacturing
• Green Energy Manufacturing
• Guns and Body Armor Manufacturing
• Importers and Distributors
• Low Income Housing
• Machine Shops
• Medical Equipment Rental
• Metal Goods
• Office Buildings
• Paint Manufacturers
• Plastic Goods
• Products Liability
• Prosthetics Manufacturing
• Real Estate
• Security Guards - Armed
• Shopping Centers
• Sporting Goods Sales and Manufacturing
• Student Housing
• Surgical and Invasive Medical
Equipment Manufacturing
• Toys and Games
• Vitamins Manufacturing
HOSPITALITY
• Bars, Taverns and Restaurants
• Gentlemen’s Clubs
• Golf Resorts and Club Operations
• Gun, Hunt and Fishing Clubs
• Hotels
• Liquor Liability
• Night Clubs
• Sporting and Entertainment
PROFESSIONAL LIABILITY
• Allied Healthcare
• Cyber Liability
• Directors and Officers
• Employment Practices Liability
• Errors and Omissions
• Fiduciary Liability
• Home Healthcare
• Lawyers
• Medical Malpractice
PROPERTY
• Aged Properties
•Apartments
• Builder’s Risk
• Coastal Property
• Commercial Flood
• Condo
• Hotels
• Inland Marine Products
• Layered Programs
• Poorly Constructed
• Theft Coverage
• Vacant Property
• Wind Coverage
REAL ESTATE OWNED
PROGRAM (REO)
• Multi-Property Private Investor Real Estate Schedules via Monthly
Reporting (Property, Wind, Flood, General Liability, Sinkhole, Earthquake and Loss of Rents)
Available in all states!
ACORDs and applications are available online at www.appund.com/forms.
p 866-984-3251 | f 866-409-3367 | brokersubmissions@appund.com
www.appund.com/Brokerage
10
PERSONAL LINES
Our Personal Lines division is focused on providing agents access to multiple
preferred and specialty products by utilizing the latest technology to self-serve
quickly and more accurately. We provide not only raters that afford real-time
comparative rating, but also carrier direct solutions where agencies can rate,
quote, issue and service policies.
Explore our Personal Lines markets!
www.XpressPersonalLines.com
HOMEOWNERS & DWELLING FIRE
•Builder’s Risk
•Claims Sensitive
•Coastal
•Course of Construction
•Distressed
•High and Low Value
•Preferred and Specialty
•Short Term Rental
•Specialty
•Tenant
•Vacant
AUTO
•Antique
•Collector and Exotic
•Classic
•Kit Cars
•Preferred
UMBRELLA & CPL
•Celebrity
•Preferred
•High Risk
OTHER LINES
•Collections
•Condo
•Earthquake
•Excess Flood
•Home-Based Business
•Mobile Home
•Personal Article Floaters
•Special Events
•Watercraft
Call for more programs, products and state availability!
ACORDs and applications are available online at www.appund.com/forms.
p 888-376-9633 | f 866-206-2343 | plsubmissions@appund.com
www.appund.com/PersonalLines
11
PERSONAL LINES
HIGH VALUE - RELIANCE RISK SOLUTIONS
Reliance Risk Solutions was created for risks that are too large or complex for your
in-house markets.
DWELLING CAPABILITIES
• No maximum deductible
• No maximum TIV
• All occupancy types can be considered
• Mid-Term COC or Ground Up Construction programs available
• All protection classes are acceptable
• Earthquake coverage for Masonry Construction available
• CBRA Flood Program available
COLLECTIONS CAPABILITIES
• No maximum TIV
• Flexible deductible options if requested
• Agreed or Stated Value Loss Settlement Options
AUTOMOBILE CAPABILITIES
• No minimum or maximum value on a single vehicle
• Agreed value or ACV Loss Settlement available
• Physical damage only is available
WATERCRAFT CAPABILITIES
• Broad navigational limits available
• No Maximum Hull Value
• Liability-only policies available
LIABILITY CAPABILITIES
• Primary or Layered Excess Liability programs available
• Complex Ownership Structures can be named insured
• Broad Watercraft Appetite
• Excess UM Coverage available
• Primary and Excess CPL Programs available
Call for more programs, products and state availability!
ACORDs and applications are available online at www.appund.com/forms.
p 865-481-2655 | f 888-220-1632 | rrs@appund.com
www.appund.com/RRS
12
GARAGE (DEALERS & SERVICES)
Our diverse Garage program offers specialized coverage, competitive pricing
and an unparalleled service platform.
CARpro (Certified Auto Repair Program)
LINES OF BUSINESS
• General Liability
• Garagekeepers
• Property (Building and Contents)
• Workers’ Compensation
• General Repair Shops
• Transmission Repair Shops
• Glass Replacement Shops
• Exhaust System Repair Shops
MARpro (Mobile Auto Reconditioning Program)
• Mobile Windshield Repair
• Mobile Detailing (car washing waxing, interior carpet cleaning)
• Mobile Headlight Restoration
• Mobile Paint and Chip Repair
• Mobile Paintless Dent Repair
• Mobile Upholstery Services
LINES OF BUSINESS
• General Liability
• Garagekeepers
• Non-Owned Auto Liability
• Property (Building and Contents)
DEALERpro (Independent Auto Dealer Program)
• Auto Wholesalers/Brokers
• Auto Auctions
• Dealers with Service and/or Repair
• Non-Franchised Auto or Truck Dealers
LINES OF BUSINESS
• Garage Liability
• Fire Legal Liability
• Dealer’s Open Lot
• Garagekeepers
• Property (Building and Contents)
• Workers’ Compensation
Call for more programs, products and state availability!
ACORDs and applications are available online at www.appund.com/forms.
p 888-376-9633 ext. 2115 | f 866-409-3367 | essubmissions@appund.com
www.appund.com/Programs
13
XPRESS QUOTES
ONLINE RATERS
WORKERS’ COMPENSATION www.auigents.com
• Construction
• Choice Comp (Non-construction, small business risks)
COMMERCIAL SPECIALTY www.auigents.com
• Xpress Contractor’s General Liability
• Xpress Inland Marine
• Commercial Lines Package
PERSONAL LINES
www.XpressPersonalLines.com
• www.XpressHomeowners.com
• www.XpressUmbrella.com
• Automobile
• Collector Vehicle
• Comprehensive Personal Liability
• Dwelling
• Earthquake
• Home-based Business
• Mobile Home
• Motorcycle
• Special Events
• Vacant Dwelling
• Watercraft
XPRESS PHONE QUOTES
COMMERCIAL SPECIALTY GENERAL & ARTISAN
CONTRACTORS
• Remodeling Contractors
• Residential Roofing
•Excavation/Grading
•Framing
888-376-9633 ext. 2111
BUSINESS OWNERS AND
PACKAGE POLICIES
SINGLE LOCATION
• Accounting Offices
• Law Offices
•Florist
• Real Estate Offices
• Retail Stores
• Medical Offices
PERSONAL LINES
EXCESS OVER
CONTRACTOR POLICES
• Underlying “A” Rated carrier
• Current gross receipts
of $5 million or less
888-376-9633 ext. 2005
• HO3, HO4, HO5, HO6, HO8 and DP1, DP3
• Low To High Value (No Max TIV)
• Coastal, Tenant, Seasonal and Vacant
• Builder’s Risk
• Course of Construction (COC)
• Preferred, Distressed, Loss-Sensitive
• Canceled, Declined and
Non-Renewed
• Excess Liability & CPL
p 888-376-9633 ext. 2224 | f 866-206-2343
p 888-376-9633 | f 888-871-7644 | www.auiagents.com
plsubmissions@appund.com | www.appund.com/personallines
14
19
PROFESSIONAL EMPLOYER ORGANIZATION
A member of the AUI, Inc. family of companies, American Employer Group
grew out of a desire to take the insurance philosophy of asset protection and
expand it to provide a more comprehensive approach to business services. Our
insurance-minded approach allows us to help our partner clients grow their
companies while lowering their overall costs. With over 200+ years of combined
experience, our team of experts specialize in a wide-range of business solutions,
all custom tailored to fit our clients’ individual needs.
Our state footprint continues to expand. Please contact us for state availability.
PAYROLL SERVICES
• 24/7 Access to the Payroll Web Portal for You & Employees
• Flexible Pay Options, Including Direct Deposit, Pay Cards, and Check Printing
• Management of Child Support, Wage Garnishment, Tax Liens, and All Other Deductions
• Time and Attendance Tracking
• Multi-State Tax Filing
• File/Pay FICA, FUTA, SUTA, 940/941 Reports, & Generate or Deliver W-2s
RISK MANAGEMENT
• Job Task Analysis
• Analyze/Recommend Safety Protocols
• On-Site Inspections
• Safety Program Development
• Drug-Free Workplace
• Coordinate Safety Training
• OSHA Assistance
p 866-986-0118 | info@aegpeo.com | www.aegpeo.com
15
PROFESSIONAL EMPLOYER ORGANIZATION
EMPLOYEE/EMPLOYER BENEFITS
• Major Medical Health Insurance
• Voluntary Benefits
• Dental and Vision
• Long-Term Disability
• 401K Plans
• Pre-Tax Administration
• Life Insurance
• Individual & Estate Investment Accounts
HUMAN RESOURCES
• Employee Handbooks
• Employment Verification
• Handling of Unemployment Claims & Hearings
• Background Checks & Drug Screens
• New Hire Reporting
• Employee Records Management (HRIS)
• Employment Termination Practices
WORKERS’ COMPENSATION
• No Down Payments
• No Year-End Audits
• Competitive Rates
• Dedicated Staff Members to Handle Claims
• File Workers’ Compensation Notice of Injury Reports
• Education for Clients & Injured Workers
• Fraud Investigations
• Return to Work Programs
ACA EMPLOYER MANDATE
COMPLIANCE
• Hourly Tracking
• Allows for Variable Hour Measurement Tracking
• Administration Assistance
• Tax Filing Management
• Real-Time Reporting
• Eligibility Notifications
• Visibility into Compliance Risks
• Audit Support & Data Mining Available
• Distribution of Print/Digital 1095C Forms
p 866-986-0118 | info@aegpeo.com | www.aegpeo.com
16
CONTACT DIRECTORY
MAIN LINE: ..................................................888-376-9633
CUSTOMER SERVICE: ...........................................ext. 2206
customercare@appund.com
MARKETING: ......................................................ext. 2008
marketing@appund.com
WORKERS’ COMPENSATION
COMMERCIAL SPECIALTY
Rate Online: www.auiagents.com
Rate Online: www.auiagents.com
Email Submissions:
wcsubmissions@appund.com
Phone Quote: ext. 2111
Fax Submissions: 888-871-7644
Contact an Underwriter:
New Business.......................... ext. 2204
Renewals ............................... ext. 2205
PERSONAL LINES
Email Submissions:
essubmissions@appund.com
Fax Submissions: 866-253-7030
Contact an Underwriter: ext. 2200
BROKERAGE
Rate Online:
www.XpressPersonalLines.com
Email Submissions:
brokersubmissions@appund.com
Phone Quote: ext. 2005
Fax Submissions: 866-409-3367
Email Submissions:
plsubmissions@appund.com
Contact a Broker: 866-984-3251
Fax Submissions: 866-206-2343
Contact an Underwriter:
Direct Select........................... ext. 2224
Specialty Home..................... ext. 2223
High Value ..................... 865-481-2655
All Other.................................. ext. 2026
GARAGE
Email Submissions:
essubmissions@appund.com
Fax Submissions: 866-409-3367
Contact an Underwriter: ext. 2115
PROFESSIONAL EMPLOYER ORGANIZATION
Email: info@aegpeo.com Phone: 866-986-0118 Website: www.aegpeo.com
A complete contact directory listing is available online at www.appund.com/contact
800 Oak Ridge Turnpike • Suite A-1000 • Oak Ridge, Tennessee 37830 • appund.com
COLUMBIA, SC • KENNESAW, GA • ST. PETERS, MO • SANFORD, FL • SARASOTA, FL • SCOTTSDALE, AZ