Underwriting Guidelines:

Due to the number of submissions underwriters see these days, it is imperative submissions are as complete as possible. The guidelines listed below should help you understand what is needed to process your business and provide quick turnaround for you and your clients.

If an incomplete submission is received, we will notify you of any questions and/or indicate any missing information. If the information is something an underwriter requires to quote, we will set the submission aside until the information is available. With that being said: the quicker you provide us with a response, the quicker the quoting process will begin.

Please note all questions must be answered. If there is a question that does not apply, please make sure "n/a" is shown, so there are not any areas left blank.

To begin we need:

1. Acord application
2. Supplemental application (for residential and commercial contractors)
3. Products application and website address/product brochure, if available (for products and manufacturing accounts)
4. Five years' currently valued loss runs (if applicable)
5. Current financials (if applicable)

Make sure of the following:

1. Receipt, payroll and any subcosts are listed.
2. If the insured has revenue generated from "wraps", please be sure to provide a breakout.
3. Information on the acord matches information on the supplemental application.
4. Make sure payroll and sub-costs do not add up to more than the receipts.
5. List all prior carriers and expiring terms.
6. Volunteer information on any large losses up front.
7. Be sure the estimated receipts are as accurate as possible; it is never an easy task to get the underwriters to change their quotes once they are released.

Whenever possible:

1. Give us target pricing. Underwriters are more eager to quote accounts they feel they have a chance to write.

Upon binding:

1. Written bind order to include effective date
2. All subjectivities as they apply on quote

Please help inform your insureds that many markets are now taking the position that they will not backdate if the insured does not bind on or before the effective date of their policy. It is becoming increasingly difficult to get policies backdated after the policy has expired. The only exception is when it is the markets delay in getting the quote done on time.

If you are a new producer here are some simple steps to get appointed.

It's as easy as 1.2.3.

1. Simply fill out the attached application - click here to download a Producer Agreement for the Pasadena Office Or Orange County Office.
2. Copy of Broker's license (s) - firm and individual broker/agent
3. Errors & Omissions Declarations Page evidencing your policy limits and expiration date

We only work with qualified and professional Retailers, we would be happy to refer you to one in your area.

If you are a contractor and looking for a Retailer in your area to represent you, please refer to the contacts page and send in a request containing the following information:

• Name:
• Email:
• Address:
• Phone Number:

As part of our commitment to servicing your needs, you will be contacted within 1 business day.

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