RENEWAL W/F – (COMMFARM) Revised 11272017

Client______XDT:___/_____/_____ Agent______A/MGR ______

Client Contact___Email______Phone______
(Step One 120 -110 days out)

(1)ACCOUNT MANAGER (Van / Mel / Allison / Delores)

For accounts < 10k in total ALL LINES acct. premiumFor accounts > 10k in total ALL LINES acct. premium

_____ Print Renewal W/F & other docs from “Docs & Forms”_____ Print Renewal W/F & other docs from “Docs & Forms”

_____Email U/W or Team about renewal (get on their radar)_____ Email U/W or Team about renewal (get on their radar)

_____Verify TAM Acords mirror carrier pol. Inside TAM system_____ Get from U/W - Prem Summary tab, Loss Summary tabs

_____ Print Tam “Sum. of Cov.” (All pages & schedules - NO $)_____ Print “Sum. of Cov.” (ONLY – Autos/trailers, drivers, equip- NO- $)

_____ Place all in Producer box for review “Marketing Plan”(if any)_____Verify TAM Acords mirror carrier pol. Inside TAM system

_____ Print TAM Current Acords – all lines all carriers for Producer _____ Place all in Producer box for review & “Marketing Plan”(if any

(Step Two 110 - 90 days out)

(2)Producer (Adam / David / Rosa / Charlie )

_____ Mark up & email schedules to client for review – (CC A/M)_____ Organize renewal packet into 3 future scans
(1- Highlight missing info, 2- Write in “titled too”) (-w/f with misc, 2- Final Proposals, 3- Acords & apps)

_____ Review/update Acords and / or Summary of Coverage (TAM accuracy)_____ Producer returns to A/M Date _____/______/______

(3)ACCOUNT MANAGER (Van / Mel / Allison / Delores)
“IF” marketing the account@ 90 Days outreview with Producer early – to create “marketing plan”

_____ Email supps to client for review & sigs, if any (highlight missing)_____ Print full set of loss runs (all lines of coverage all carriers)

_____ Use Marketing Plan “Summary of Carriers”

(Step 3 14-21 days out)

(4)ACCOUNT MANAGER ( Van / Mel / Allison / Delores)

_____ Print (2/ sheet) carrier Dec Pages or Proposal (all lines of coverage)_____ Write in prem. compare from prior year 1st page

_____ Assemble ALL offers & trailing docs_____ Assemble D/P, billings, prem.Fin. agreements
_____ Specify “to whom payable” from client (TCG, Carrier, Prem Fin Co)_____ To Producer in organized manner

(Step 4 7-10 days out)

(5)PRODUCER(Adam / David / Rosa / Charlie)

_____ Perform “FINAL PROPOSAL”*NOTE DECLINATIONS_____ Complete F/P cover sheet (summarize changes for A/M)
_____ Secure ALL required signatures_____ Highlight changes in FINAL PROPOSAL for A/M

_____ Clarify D/P, premium finance agreements (GET CHECK)_____ Return all to Account Manager( Van / Mel / Allison)
_____ Write hand written note

(Step 5 3 days before renewal date)

(6)ACCOUNT MANAGER(Van / Mel / Allison / Delores)

_____ If not renewed- close out acct in TAM and w/ carriers_____ RENEW in TAM and Archive OLD

_____ Process all payments_____ BIND/SUBMIT with all carriers

_____ EMAIL ALL RENEWAL D/P BILLS TO CLIENT (cc Prod)_____ Scan & email completed trailing docs to carriers

_____ Scan & email lag docs to carriers & TAM when complete

_____ Hold FINAL PROPOSAL for Q/C _____ Verify all a/I’s are issued by carrier

_____ Update changes to “Current” Acords_____ Move PROSPECT to CLIENT in TAM (if needed)

_____ Set up prop/liab templates in Tam_____ Mail“Holders” certs

_____ Email certs/auto ids to Advisor & client_____ Assign client to Producer(s) and CSR in TAM

_____ Important separate scans to ATTACH TAM

_____ 1-Advisor property survey (MSBS, surveys, pics, Acord 140’s)_____ 3-FINAL PROPOSAL

_____ 2-Original Advisor Acord submission with all blue notes _____ 4- Everything else (u/w emails, misc, catch all)

(Step Five)45 days after renewal date

(7)ACCOUNT MANAGER (Van / Mel / Allison / Delores)

_____ Verify all policies arrived?_____ Verify carrier downloads or manual Acord entries

_____ Verify polices mirror FINAL PROPOSAL, certs, Acords_____ Bind up “Client Copy” & Red Stamp – YELLOW BINDER

_____ Laminate client “Auto ID Cards”_____ Mail signed/checked pol.to client with A/M biz card

_____ If Applicable add “NW Brokerage Checklist” (page 1 of policy scan)_____ Attach & verify all pols are in TAM (Download & manual)

_____ Make sure TAM client or prospect contacts & Acords are 100% updated

Do not attach page one (1) & two (2) to FINAL proposal trailing doc

Leave blank for Marketing sheet coming soon

RENEW W/F – (COMM & FARM)Prospect______XDT:______Agent ______(Rvsd11272017)

Attach to RENEWAL “FINAL PROPOSAL”

Clark Group – Renewal or New Biz “Summary Change Order”

Items to delete (highlighted in proposal)

  1. ______
  2. ______
  3. ______
  4. ______
  5. ______
  6. ______
  7. ______

Items to add (highlighted in proposal)

  1. ______
  2. ______
  3. ______
  4. ______
  5. ______
  6. ______
  7. ______

Items to revise or verify (highlighted in proposal)

  1. ______
  2. ______
  3. ______
  4. ______
  5. ______
  6. ______
  7. ______
  8. ______
  9. ______
  10. ______

General verifications &/or notes to Account Manager

____ Prod. verify titling/deeding (autos, trailers, equip, & property) _____ Prod. declines noted on FINAL Proposal

____ Down pays & prem finance explained(if any)____ Producer asked about FLOOD & EARTHQUAKE

____ Prod. rounded out account (cl, pl, fl)____ Prod. asked if owners included or excluded on work comp

____ Prod. verified All STATES and LOCslisted on ALL pols____ Prod. verified all signatures obtained

______

Date: ____/_____/_____ Client (x) ______Advisor (x) ______

***Attach to TAM as FINAL proposal with copies of revised pages from actual policy***

FINAL PROPOSAL red stamp

Proposed to ______

Proposed by______Attach page “3” to FINAL PROPOSAL

Account MGR______

Bind Date ______Attach page one to other trailing docs as workflow

“A clear, complete & well documented review = a great day in court and the judge will wink at you and ask for your card”

This template is Clark Group confidential and proprietary to The Clark Group – DO NOT share with other agents
Attach pages four (4) and five (5) to Acord 125 of submission
RENEW W/F – (COMM & FARM)Prospect______XDT:______Agent ______(Rvsd11272017)

Line through = n/a, D = Discussed & Declined, A = Discussed & added, Check Mark equals discussed

General(ACORD 125)

_____ All named insureds (current and prior) documented____ Ownership changes discussed

____ Discussed life & disability for owners & key employees____ Buy sell agreement in place

____ All locations and job sites have been added to policy____ States they currently work in and could work in documented

____ All program renewal dates concurrent all lines____ Liability lines with same carrier

____ Delivered signed and reviewed renewal policies

____ Complete MANDATORY forms from docs & forms site

____ Equipment questionnaire____ Msb disclaimer____ WC include/exclude signatures ____Um supp____ Collections procedures

____ Flood & eq waiver, ____ Disclaimer stating client will read all polices and notify us of questions or concerns

____ Print and complete applicable OPTIONAL forms from docs and forms

____ Comm umbrella app (Acord)____ Inland marine app (Acord)____ Signature authority if other than owner____ Liquor supp____ Drug free app

____ Flex Check authorization____ Statement of no loss____ Philadelphia epli app ____ Other

Property(ACORD 140)

____ All structures discussed including previously declined structures____ Contents limits at each location “BACKED INTO”

____ Valuations discussed (RC, ACV, FRC, AV)____ Should limits (building &/or property) be blanketed

____ Coinsurance waived, or at 80%, or at agreed value (AV)____ If coinsurance in effect discussed items not to be covered (EXCLUDED)

____ Attached BPP items considered as “building”____ Document protect devices ea building (burg/fire/video/fire ext, sprinkler)

____ Potential inventory spikes discussed (peak season)____ Verified all mortgagees and loss payees

____ MSB limits updated / discussed____ Verified all “titled too” and “deeded too” for insurable interests

____ Deductibles reviewed (not to high due to no cat ded option for iso)____

____ Named all owners of anything as mortgagees, loss payees or named insureds – This is who the check is written to after the claim – very important

Optional coverages offered

____ Earthquake____ Flood____ Property in the open____ Equipment/systems breakdown____ Signs not attached

____ Property off premise____ Spoilage____ Property in transit (owned)____ Property in transit (nonowned/cargo)____ Pollution cleanup

____ Utility services____ Cyber/intellectual property____ Tenants improvements____ Fences____ Light poles

____ Bleachers____ Antennas____ Underground property____ Peak season / inventory spikes____ MFG selling price

____ Sidewalks____ Wind (coastal)____ Scoreboards____ Turf (fields)____ Liquid stock

____ Property owned by others____ Ord & Law____ BIEE____ BIEE extended period (full year)____ BIEE payroll (full year)

____ Building canopies/awnings____ Tanks, pumps, canopies____ Retaining walls____ Vacancy coverage____ Computers and s/w

____ Piers/ docks____ PPO (in for repair)____ High valued glass ____ Lettering on glass_____ Cosmetic/decor property

_____ Intelectual property_____ Cyber property

Notes (note also items that want excluded from coinsurance)
______

______

______

______

Inland Marine(ACORD 146)

_____ Verify all titled toos____ Valuations discussed (rc, acv)

____ Coinsurance discussed (80%, waived or agreed value)____ Loss payees discussed

____ Deductibles reviewed____ Underground property

____ Named all owners of anything as mortgagees, loss payees or named insureds – This is who the check is written to after the claim – very important

Optional coverages offered

____ Flood____ BIEE____ Rental value____ Earthquake____ False pretense (tricks)

____ Employee tools____ Underground property____ Contractors equipment____ Other high value items (scheduled)____ Dealer inventory floater

____ Builders risk____ Installation floater____ Seed ____ Crops____ Hay/feed

____ Contractors PLUS

Notes (note also items that want excluded from coinsurance)
Be very careful to write equipment on toy (pl) policy or i/m policy (or both) acording to its commercial use or personal use… also verify titling as personal or commercial) ______

Be careful of equipment mounted on autos or trailers and also “equipment” they may consider as “auto”

______

______Producer - Attach pages four (4) and five (5) to Acord 125 of submission

This template is Clark Group confidential and proprietary to The Clark Group – DO NOT share with other agents
Attach pages four (4) and five (5) to Acord 125 of submission
RENEW W/F – (COMM & FARM)Prospect______XDT:______Agent ______(Rvsd11272017)

Line through = n/a, D = Discussed & Declined, A = Discussed & added, Check Mark equals discussed

Liability(Acord 126)

_____ Occurrence or claims made____ Defense inside or outside the limits

____ Limits meet umbrella underlying requirement____ Reviewed additional insured, waiver of subrogation, certificate statuses

____ Do they use a WRITTEN contract with their customers____ Do they subcontract any work (are a/i, waiver of sub clauses granted)

____ Type of aggregate (/ policy year, / job, / location, etc)____ Audit exposures reviewed

____ Named all owners of anything as additional insureds or named insureds

Optional coverages offered

____ EPLI with 3rd party____ EBL____ Liquor____ Cyber____ Professional/ E&O (mistakes)

____ Pollution____ D&O (decisions made)____ Fiduciary (financial)____Druggist____ Underground tank

____ Design build____ Warehousemans____ Seedmans____ Owners & Contractors (OCP)____ Aerial applications

____ Printers E&O____ Fellow employees____ Garage Keepers (direct)____ Patent & Trademark liability____ Intelectual & Cyber

_____ Hired & N/O Auto Liab

Notes
______

______

______

Auto(ACORD 127)

_____ Valuations discussed (acv, stated amount, agreed value, guaranteed value, etc…)____ Covered auto symbols (liab = 1, others 2,8,9,)

____ Um stacked or non stacked with form signed____ Titled toos discussed and additional insured and loss payee documented

____ All trailers discussed/documented____ Discussed always buying rental coverage at the counter

____ Named all owners of anything as loss payees or named insureds – This is who the check is written to after the claim – very important

Optional coverages offered

____ Liability 1,000,000(sym1)____ Med pay 5,000(sym2)____ C&C ded 2,000(sym2)____ um at lest 500,000 total(sym2)____ Hired & non liab(sym2)

____ Hired & nonowned pd____ Original factory equip____ Drive other car____ Fellow employee____ Employee as insureds

____ Employee hired auto____ Pollution broad form____ Tools coverage____ Permanantly install equipment____ Loading & Unloading

____ High valued glass____ Employee vehicles used____ Employees leasing veh____ Do they rent cars____ Auto PLUS included

Notes
______

______

Work Comp / Employers Liability(Acord 130)

_____ All states noted where work “is” currently done or “could” be done____ All current locations and job sites on policy

____ Drug free workplace credit (5%)____ Owners and officers included or excluded (SIGNATURES)

____ Waiver of subrogation____ Any leased employees or temps

____ Any employees shared with other employers____ Any foreign work

____ Any work over water____ Any railroad work

____ Do they hire out of state employees____ Review audit exposures

Notes
__Special note about section 3a and 3c on app______

______

Umbrella(ACORD 131)

_____ True or excess form____ Defense inside or outside limits

____ Punitive damages included or excluded____ All underlying policies documented to underwriter (Acord app)

____ All additional insureds, waivers, etc communicated to underwriter____ Drop down coverage

____ All current, past and future named insureds covered____ x dates concurrent

____ All liability lines with same carrier____ Deductibles discussed (never per claim)

Notes
__Verify that all underlying policies as well as a/I small print is communicated with umb carrier______

______

Producer - Attach pages four (4) and five (5) to Acord 125 of submission

“A clear, complete & well documented review/submission = a great day in court & the judge will wink at you and ask for your card”

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