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Find out about the latest improvements we’ve made, new products we’re launching, training courses we’re offering, and much more… all to help you succeed.

3 changes to our small commercial business that just make sense

We want to be your first choice for quality multiline commercial business, so we’re making key investments in our products, quoting platform, underwriting tools and appetite guidance. Here are a handful of the changes we’re making – with more to come.

 

We’re taking pricing and underwriting actions to make our commercial auto product more competitive for quality multiline accounts.
We’re updating eCLIQ to make it easier to do business with us, such as declining out-of-appetite risks earlier in the quoting process.
We’ve added an up-to-date snapshot of our appetite to the agent portal to give you a clear view of what we want to write today.

 

The new appetite pages on the agent portal are the best place to go to learn about our state-specific industry and class appetite and preferred policy characteristics. Get started.

 

Have a risk in mind? Look it up! All you need is the business’s state and business description or class code.

 

 

We want to be your first choice for quality multiline commercial business, so we’re making key investments in our products, quoting platform, underwriting tools and appetite guidance. Here are a handful of the changes we’re making – with more to come.   We’re taking pricing and underwriting actions to make our commercial auto product more…

Products

Misclassified trailers will be updated at renewal

February 13, 2024

Starting Feb. 19, trailers with a load capacity greater than 2,000 pounds that are classified as “service/utility trailer” will be updated to the correct classification — “trailer” or “semi-trailer,” as applicable — effective with the policy’s renewal. Trailer classification will be confirmed using manufacturer and model information. This change may result in premium impacts.

 

Trailers with a larger load capacity represent more risk in the event of a loss and must be rated appropriately for the exposure. Inaccurate data and improperly rated policies lead to premium leakage, which drives higher rates at new business and renewal.

 

Use these definitions to help ensure a better client experience:

Service/utility trailer — any trailer or semi-trailer with a load capacity of 2,000 pounds or less.
Trailer — any trailer with a load capacity greater than 2,000 pounds, other than a semi-trailer.
Semi-trailer — a trailer with a fifth-wheel coupling device for use with a truck-tractor, with load capacity over 2,000 pounds. This includes bogies used to convert containers to a semi-trailer.

 

 

Starting Feb. 19, trailers with a load capacity greater than 2,000 pounds that are classified as “service/utility trailer” will be updated to the correct classification — “trailer” or “semi-trailer,” as applicable — effective with the policy’s renewal. Trailer classification will be confirmed using manufacturer and model information. This change may result in premium impacts.  …

Products

Correcting GL policies where owner’s payroll is below the state minimum

February 13, 2024

Each state requires a minimum owner’s payroll on general liability (GL) policies. When you quote a GL policy, eCLIQ displays that state-specific minimum payroll amount.

 

A recent review revealed that a significant number of GL policies have an owner’s payroll amount below the required minimum. This month, we have started to correct these policies at renewal by increasing the owner’s payroll amount to the state minimum.

 

If you have any questions about this update, please contact your underwriter.

Each state requires a minimum owner’s payroll on general liability (GL) policies. When you quote a GL policy, eCLIQ displays that state-specific minimum payroll amount.   A recent review revealed that a significant number of GL policies have an owner’s payroll amount below the required minimum. This month, we have started to correct these policies at…