Personal Lines – Procedures, Processes and Underwriting Guidelines

AEGIS- https://prod.aegisinsurance.com/GameChanger/Portal/Account/LogOn

  • Appetite - Tiny homes, Air B&B, Vacant (3,6,12 month terms will auto-renew if they make next payment), Permanent Site Travel Trailer, Any dog breed, Protection classes 8-10 OK, Mobile/Mfg Home w/no supplemental heating (<20 years old repl cost, > 20 years ACV), Rentals (up to 12 locations on a single policy and up to 4 units in each location), Home Flippers, Under Reno
  • * NO KNOB & TUBE, NO STUDENT HOUSING, NO LOG HOMES
  • Quote - Not available in EZLynx Rater
  • Downloads Enabled - yes
  • Claims -
    • PHONE: 1-800-233-2160
    • MAIL: CLAIMSQ@AEGISFIRST.COM
  • Contact Info:
    • HOME OFFICE EMAIL: AGENCYSUPPORT@AEGISFIRST.COM
    • HOME OFFICE PHONE: 1-800-233-2160
  • Training -
    • General Portal Dwelling Fire - How to quote: https://www.youtube.com/watch?v=fp3m67j68qE&feature=youtu.be
    • Manufactured Home Program - https://www.youtube.com/watch?v=SkPfu_LD4Ok&feature=youtu.be
    • Real-time endorsement Processing - https://www.youtube.com/watch?v=n19GjXw3Y0I&feature=youtu.be
    • Navigating the Home Screen - https://youtu.be/dZBQQ9_d0UM
Accordion Sample Description

ENCOMPASS

  • Boat Rules - https://dashboard.encompassinsurance.com/agents/manuals/pdfs/oh/edge/20120927_oh_edge_bo.pdf
  • Dwelling Fire Rules - https://dashboard.encompassinsurance.com/agents/manuals/pdfs/oh/edge/20190613_oh_edge_df_v1.00.pdf
  • Personal Umbrella - https://dashboard.encompassinsurance.com/agents/manuals/pdfs/oh/edge/20170525_oh_edge_pu_v1.00.pdf
  • Home Rules - https://dashboard.encompassinsurance.com/agents/manuals/pdfs/oh/edge/20200130_oh_edge_ho_rules_v1.02.pdf
  • Underwriting Rules - https://dashboard.encompassinsurance.com/agents/manuals/pdfs/oh/edge/20191014_oh_edge_un.pdf
  • Ineligible Vehicle List - https://dashboard.encompassinsurance.com/agents/manuals/pdfs/oh/edge/Underwriting_Ineligible_Vehicle_List_10-14-2019.pdf
  • Underwriting Guidelines
    • Home - https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=OHESGUIDE&Seq=0&Type=pdf
    • Auto - https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=OHPPGUIDE&Seq=0&Type=pdf
    • Boat - https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=OHBPGUIDE&Seq=0&Type=pdf
    • Mobile Home - https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=OHMHGUIDE&Seq=0&Type=pdf
    • Dwelling - https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=OHDWGUIDE&Seq=0&Type=pdf
    • Landlord - https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=OHLLGUIDE&Seq=0&Type=pdf
  • Auto
    • Auto Plus Endorsement - https://portal.agentexchange.com/Lists/ProductContent/AEDispForm.aspx?ID=3127
    • Rate Protection Endorsement - https://portal.agentexchange.com/Lists/ProductContent/AEDispForm.aspx?ID=83
  • Home
    • Prohibited Dogs - https://portal.agentexchange.com/Documents/Products/Home/RefSheetsProhibitedDogPictures.pdf
  • Claims - https://www.erieinsurance.com/support-center/claims
  • E-Signatures - E-signatures can be completed through the Erie system or through EZLynx. If you do them outside of Erie's system:
    • For automatic payments transactions: If the Bank Account Holder's signature is not completed within 15 days on an ACH Authorization form, enrollment and bank account payment(s) will not be processed. The policy/policies will then be removed from automatic payments.
      • If for any reason an ACH Authorization form originally intended to be electronically signed is printed and signed on paper, it must be faxed to Cash Processing at 814-461-7464.
    • For new business transactions: Any applications that have not been signed by both the Customer and Agent within 23 days (16 days for DC) will be subject to cancelation. Once the eSignature process is started in DSpro Web, if for any reason the application is printed and signed on paper, it must be uploaded through the eSignature Dashboard.

FOREMOST

FOUNDERS 

  • Non-standard personal lines: Founders specializes in handling the most difficult risks. Whether the problem is poor driving record, poor credit score, financial responsibility requirements, an international or out-of-state license, or coverage lapses
  • SR22 filing
  • International and out-of-state driver’s licenses
  • Policies must be distributed BY THE AGENT. 
  • Limits up to $100,000 / $300,000 / $50,000
  • Underwriting Manual - Auto
  • Underwriting Manual - Home
  • Homeowners Quick Facts Guide
Complete online capabilities, including:
HAGERTY INSURANCE - Classic & Antique Auto, Boat, Vehicle under construction, cherished salvage, automobilia, traveling collector, modified vehicles, collector motorcycles and scooters, antique tractors, classic military vehicles, retired commercial vehicles, motorsports insurance
  • Allstate
  • Bristol West (Auto only)
  • Dairyland
  • Encompass
  • Foremost Specialty
  • Kemper
  • Grange
  • Guard (Home only)
  • MetLife Auto & Home
  • National General (Auto only)
  • Safeco
  • Stillwater
  • Travelers
  • AGENTS PROGRAM CARRIERS
  • Allstate
  • Alfa
  • American Strategic
  • CNA
  • Dairyland/Viking
  • Foremost (PL & CL)
  • Grange
  • Guard
  • Hiscox
  • MetLife Auto & Home
  • Safeco
  • State Auto
  • Stillwater
  • Travelers (CL and PL)