Kemper Preferred

Personal Lines Products:

  • Auto – Packaged business only. 100/300 minimum limits. 500/500/250 maximum.  Good drivers only; newly licensed dependent children with clean MVR ok on family accounts. Autos must be registered to named insured.
  • Auto – Standard common vehicles (i.e. not Bentley, Lamborghini, etc.). Cost under $100K new
  • Home – Packaged business only. Loss free single family structures and duplexes only
  • Home – 5 years loss experience; over 1 loss is ineligible
  • Home – HO3 Protection class 1-8 max coverage A is $1 Million
  • Home – HO4 max coverage A is $200K
  • Home – HO6 max coverage A is $300K
  • Dwelling Fire – Must write HO3 with Kemper. One- and two-family dwellings only. No more than 8 units per policyholder with a limit of 4 locations
  • Inland Marine – Appraisal required if item is $25K+ (jewelry, furs, fine arts & silverware)
  • Boat – Hull $75K max; Liability $500K max
  • Umbrella – available

Discounts:

  • 20% off Auto and 20% off HO3 with package
  • 15% off Auto and 17% off HO6 with package
  • 10% off Auto and 10% off HO4 with package
  • 15% off primary HO3 if insuring multiple homes

 

Why Sell Kemper Preferred
Click here for FSC rating tips and tricks
Click here for personal umbrella worksheet
Click here for helpful video explaining Kemper Preferred’s Blanket Property Limit
Kemper Package Plus with Youtube Links

Kemper Preferred Auto Underwriting Manual – including discounts
Kemper Preferred Home Underwriting Manual – including discounts
Kemper Preferred Auto and Home Appetite
Kemper Preferred HO3 Coverage Comparison Sheet
Kemper Preferred Umbrella
Kemper Preferred HO3 Policy Features
Kemper Preferred HO4 Policy Features
Kemper Preferred HO6 Policy Features

 

 

Nationwide

Personal Lines Products:

  • Auto – 50/100/25 minimum limits. 100/300/50 preferred. 500/500 max limits. Stand alone ok. Good drivers only; newly licensed dependent children with clean MVR ok on family accounts.
  • Autos must be registered to named insured or corporation solely owned by an individual, husband and wife or Registered Domestic Partner
  • Occupation discounts available (must submit proof): scientists, engineers, credentialed teacher/professor, physician, registered nurse, pharmacist, veterinarian, dentist, accountant, firefighter, paramedics/EMT, pilot, law enforcement officer, business owner and accredited college alumni.
  • Home – Stand alone ok. Up to $1 Mil in-house and up to $2.5 Mil with UW approval
  • Dwelling Fire – 15 units max. Must be individually owned single family, duplex, tri-plex or four-plex
  • Dwelling Fire – Condos are ineligible for DP3
  • Personal Umbrella – Up to $2 Mil in-house and $3-5 Mil with UW approval. Must insure auto, home and any other lines with Allied. 250/500/100 minimum underlying auto limits

 

All Discounts Quick Reference
Auto Quick Reference
SmartRide FAQs
Roadside Coverage
Allied Extra for Auto and Home
Home Quick Reference
Optional Home Package Endorsement Comparison Chart
Scheduled Personal Property
Home Equipment Breakdown Flyer
HO6 Premier Endorsement Highlights
Dwelling Fire Quick Reference
Umbrella Quick Reference

 

Commercial Lines:

Auto Plus Comparison
Auto Service Program Flyer
BA Business Interruption Flyer
BOP Pkg Cheat Sheet
Food Service Program Flyer
Office Program Flyer
Retail Services Flyer
Service Program Flyer
Target BOP Classes
BOP Coverage Highlights
Small Commercial Sweet Spots

 

MarketScout

FAIRS & FESTIVALS PROGRAM

WIAA is pleased to offer the Fairs & Festivals Program through our strategic alliance with MarketScout. Coverage is with an A+ XV company.

Coverage available in CA, NV, AZ, NM and TX. Annual or short term policies including income protection for no show or event cancellation are available.

CLASSES CONSIDERED:

-Fairs
-Festivals
-Carnivals
-Concerts
-Racing
-Sports
-Sponsors
-Lessees
-Special Events
-Parades
-Concessionaires

INSURANCE COVERAGE:

-Liquor Liability
-Abuse & Molestation
-Pyrotechnics Liability
-Directors & Officers / Errors & Omissions
-Event Cancellation & Non-Appearance
-Prize Indemnity
-Incidental Medical Malpractice
-Umbrella Liability
-Participant / Volunteer Accident
-Participant Liability
-Contingent Ride Liability
-Bailee Coverage

LIMITS & CAPACITY:

-Up to $10M limits on most Casualty Coverages
-Up to $20M on Property Coverages
-Up to $10M on Contingency Coverages

SUBMISSION REQUIREMENTS:

-Acord Application
Fairs & Fairgrounds Supplemental Application
Festivals/Special Event Supplemental Application

 

Employers

Workers’ Compensation (monoline only)

  • Min. policy premium is $750
  • 4 years CVLR
  • New ventures okay; detailed experience requested
  • 5% rate credit for all eligible Calif. Restaurant Assoc. (CRA) members
  • 5% rate credit for Apartment Association of Greater Los Angeles (AAGLA) members
  • 10% rate credit for Integrated-Anthem Blue Cross subscribers

Top Classes:

• Physicians                 • Laundry and Dry Cleaning            • Property Management
• Bakeries                     • Quick Printing                                 • Auto Body Shops
• Restaurants               • Clothing Manufacturing                • Jewelry Stores

Employers is looking to grow in the following classes:

• Retail Stores            • Hotels               • Auditors and Accountants
• Clerical                     • Attorneys          • Colleges

Berkshire Hathaway Homestate Companies

Workers’ Compensation (monoline only)

  • Min. policy premium is $1,000
  • Supplemental application required
  • 3 years CVLR
  • New ventures accepted

AmTrust

Commercial Lines

  • California only
  • Must include FEIN # on all applications
  • $500 min. premium
  • BOP
  • Package – Submit to carrier
  • Auto – Submit to carrier
  • Apartments
  • Hotels
  • Grocery Stores
  • Fine Dining
  • Deli/Cafe
  • Mobile gourmet food vendors
  • Offices
  • Financial Institutions

AmTrust Top BOPs/Package Classes

AmTrust Workers’ Comp Coverage

AmTrust Hotel Coverage 

AmTrust BOP Apartment Supplement

AmTrust Hotel Supplement

 

Liberty Mutual

Commercial Lines

  • $400-$750 min. premium depending on class and line of business
  • BOPs/Package
  • Commercial Auto
  • Monoline general liability
  • Restaurants
  • Janitorial
  • Beauty salon

Liberty Mutual Appetite Guide

Liberty Mutual Middle Market Appetite Guide

Liberty Mutual Northern CA Top Classes

Liberty Mutual/Golden Eagle Farm Appetite Guide

AIG

Workers’ Compensation (monoline only)

  • Min. policy premium is $7,500
  • 3 years CVLR (within 6 months)
  • Mid-term accounts accepted
  • Construction class codes can be written with premium over $10,000

Kemper Specialty

Personal Lines

WIAA subproducers may quote and issue Kemper Specialty autos directly on the Kemper Specialty Website. Please email membership@wiaagroup.org for a username and password. You must add yourself as a Producer to instantaneously be added to the list of appointed Producers before policy issuance.

  • 15/30/5 minimum limits; 100/300/100 max
  • Payment options, monthly installments – EFT only (down payment
    must be made by credit card)
  • SR22s accepted
  • Suspended license or never licensed
  • Challenged driving record
  • DUI ok
  • broker fees ok

Kemper Specialty Quick Reference Guide

PLEASE NOTE CARRIER FEES:

  • Insured request cancellation fee: $50
  • Endorsement fee: $3
  • SR-22 Fee: $15
  • NSF fee: $20
  • Reinstatement fee: $15
  • Late fee: $6
  • Installment fee for direct bill: $12
  • Installment fee for EZPay (recurring credit card payments): $6
  • Carrier 6 and 12 month policy fee: $20 per policy ($16 for good drivers)

 

 

Foremost

Personal Lines

  • Dwelling Fire – High Risk
  • Homeowners – High Risk
  • Vacant homes
  • Vacation rentals
  • Fixer – uppers
  • Mobile/manufactured homes (CLICK HERE for Mobile Home Application)
  • Motor homes, luxury motor coach
  • Golf carts
  • Motorcycle, Scooter, ATVs
  • Personal watercraft
  • Family boater