Bay Area Branch Product Session

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Bay Area BranchProduct Session
Capital Insurance Group
August 2010
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Company History andMission Statement
To provide

• Excellent Service/Ease of Doing Business
• Quality Insurance Products
• Financial Strength (Rated A by A.M. Best)
• Stability (Over 100 years of experience)
• A Leader in Customer Satisfaction

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Automobile Program
California Capital Insurance Company
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CIG California Auto

• Competitive rates for youthful drivers
• Competitive rates for drivers with 4-33 years of
  driving experience
• Competitive physical damage rates
• AutoCard 100 program (Nationwide roadside
  protection)
• Auto Replacement Coverage (Free)
• Generous Multi-Policy Discount
• Last California auto rate increase was in 2003!

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COVERAGES
Split Limits
Coverage Minimum Maximum
Bodily Injury Liability 15,000/30,000 500,000/500,000
Property Damage 5,000 300,000
Uninsured Motorist Bodily Injury 15,000/30,000 500,000/500,000

• No longer requires an umbrella
• Effective 6/15

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COVERAGESNationwide Roadside Protection

• Express Road Service (AutoCard 100)
• 24/7 Roadside assistance
• Simply call 1-800-513-0016
• Towing up to 100 Miles from point of
  disablement
• Additional Services include
• Locksmith service
• Jump start
• Vehicle first aid (change flat tire)
• Fuel delivery in the event you run out of gas

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ADDITIONAL COVERAGES

• Transportation Expense (Rental Re)
• 15 per day up to 450 automatically provided at
  no additional cost in event of total theft.
• 50 per day up to 1,500 (30 days) Optional.
• Customized Equipment (Optional)
• Coverage up to value of equipment.
• 1,000 coverage automatically provided.
• Auto Replacement Coverage
• Loss settlement in the event of a total loss to a
  vehicle less than 12 months old and driven less
  than 15,000 miles is replacement cost.
• No additional cost.

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DISCOUNTS
Discount Discount Percentage ()
Mature Driver Prevention Course Mature Driver Prevention Course 5
Accident/Violation Free (Good Driver) Accident/Violation Free (Good Driver) 25
Airbags (Med Pay only) Airbags (Med Pay only)
Driver Side ONLY 20
Driver and Passenger Side 30
Anti Theft (applies to comp only) Anti Theft (applies to comp only)
Audible Alarm 5
Active Disabling 5
Passive Disabling 15

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DISCOUNTS
Discount Discount Discount Percentage ()

Multi-Policy Discount Multi-Policy Discount Multi-Policy Discount 17
Renewal Discount Renewal Discount Renewal Discount
1-3 Years 5
Over 3 Years 7
Multi-Car Discount 20 on each car
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Homeowners Program Review
Capital Insurance Group
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Homeowners Review

• Competitive Rates
• Multi-Policy Discount Increase of 10
• Competitive Credits For Higher Deductibles
• No surcharges for Claim activity (new or renewal)
• Coverage (HO-3)
• 200 Extended Replacement Cost
• Home Appliance Electronic Equipment Breakdown
  Coverage (new!)
• Personal Injury Protection
• Ordinance and Law (10 of Coverage A included)
• Identity Fraud Expense Coverage
• Fences Settled at Replacement Cost

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Homeowners Review

• Discounts
• Loss-Free Discount 5
• Multi-Policy Discount 10
• Can apply to secondary homes as well
• New-Home Discount 2 - 25
• Non-Flammable Roof Credit 10
• Protective Device Credits
• Central/Direct Reporting Alarm 10
• Gated Community 5
• Sprinkler Credit 5 - 10
• Renewal Credit 5 to 10 (depending on years
  with)
• Deductible Credits Available

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CIG HO-5 Secure Choice Endorsement

• Only One Eligibility Rule
• Qualify as an HO-3 with CIG
• Coverage C (contents) Special Peril Coverage
• 10,000 Business Coverage on Premises
• 10,000 Water/Sewer Backup/Sump Pump Overflow
• 10,000 Loss Assessment
• 5,000 per-item limit on Jewelry/Furs
• Includes Our Cal-Pak Coverages as well
• Cost 10 of Base Rate

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Home Appliance Electronic Breakdown Coverage

• 50,000 coverage limit
• 500 deductible
• 3,000 expediting expenses
• 3,000 pollution cleanup
• Settlement Options
• 3,000 green option (energy efficient)
• Or 125 of like kind and quality
• Annual premium of 27

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Did You Know?

• CIG can write an HO-4 for two unrelated
  individuals.
• We write swimming pools with diving boards.
• CIG can extend liability to up to 10 rentals.
• CIG has increased agents binding for scheduled
  items to 25,000 per item and 75,000 total.
• CIG changed the appraisal requirement from
  10,000 to 15,000.
• We have revamped our Older Home Program and have
  streamlined our questionnaire to make it easier
  to write older homes with us.
• CIG can write an out-of-state landlord on
  in-force business.

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Did You Know?

• CIG moved central station alarm requirement to
  1M (from 850K).
• CIG allows the writing of townhouses and row
  houses.

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Excess Liability (Umbrella)
California Capital Insurance Company
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Personal Excess Policy

• Limits from 1 5 Million. Coverage available
  above 5M with UW Management approval. Can also
  write up to 10 Million with Reinsurer approval.
  
• Competitive rates.
• Personal liability exposures only.
• Coverage written for most personal exposures.
• Unacceptable Exposures may be excluded in order
  to provide Excess Coverage for remaining risk.

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COMING SOON TO A THEATER NEAR YOU!
Upcoming Personal Lines Enhancements
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Future Product Enhancements

• Loan/Lease Coverage Autos
• Landlord Protection Coverage
• Washington PL Entry (Auto/Home/Umbrella)
• PL Rater (Silver-Plume)

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Technology Enhancements

• Web 5.0 Straight-Through Auto Processing
• Rules-based processing.
• Declaration, Endorsement, and Renewals are posted
  to the web.
• Auto application streamlined from 23 underwriting
  questions to 13.
• System automatically orders MVRs/Clues.

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CIG Website
CIG Insurance Company
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CIG WEBSITE
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CIG WEBSITE
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BOOK ROLLS Why Roll to CIG Personal Lines?

• 1 in Customer Satisfaction (CA DOI survey)
• Excellent Financials A Rated Regional Carrier
• Named to Wards 50 Benchmark Group for
  Outstanding Operating Performance for Second
  Consecutive Year
• Superior Service Standards
• We customize the roll program to fit your agency
  needs
• We can provide other agency references for rolls
• We supply the resources to assist you with the
  roll
• Competitive Rates
• Quality Products (Home and Auto)
• Express Underwriting for Qualifying Roll Business
• NB Commission 22 (Automobile) and 22 (Home/DF)

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Commissions (Non-Rolls)
New Business New Business
Automobile 20
Homeowners 20
Dwelling Fire 15
Excess Liability (Umbrella) 15
Renewals Renewals
Automobile 13
Homeowners/DF 15
Excess Liability (Umbrella) 13
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Why Capital Insurance Group

• Founded in 1898 in Ventura County, we are a
  California-based company, with our home office in
  Monterey, California.
• CIG is rated A Excellent by A.M. Best.
• Recognized by Wards Group as one of the top 50
  safest and most consistent insurance company
  performers in the U.S.
• Excellent Claim Service.
• CIG offers superior products, such as
• CIG Think Twice home coverage CIG will pay up to
  twice your home coverage if that is what it takes
  to rebuild.
• ID Fraud Expense Reimbursement up to 15,000.
• Home Appliance Electronic Equipment Breakdown
  coverage Up to 50,000 to repair or replace such
  property in your home.
• AutoCard 100 Emergency Roadside Rescue our
  100-mile towing and rescue service will come get
  you a good deal farther than the others.
• New Car Replacement coverage If your new car is
  totaled, you will be able to replace it with a
  brand new auto (within the first year).
• And the most friendly and knowledgeable staff
  around.

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Alternative Markets
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10-Minute Break
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Client Service Center
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Personal Lines Client Service Center

• CIG Personal Lines Client Service Center Started
  in 2007.
• What Makes our Client Service Center Better?
• Financial Benefits to Your Agency.
• How to Get Started.

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Commercial Lines Client Service Center

• Currently Being Piloted
• Available to All Agents in 2011
• Please Provide Feedback and Suggestions

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COMMERCIAL LINES
California Capital Insurance Company
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Commercial Lines

• Businessowners Policy Updates
• CMP Updates
• Online Manuals and Endorsements

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BOP New Credits and Rate Decreases

• Franchise Credit
• Apartment and Condominium Smoke-Free Credit
• Rate Decrease Mercantile Food Service
• Surcharge Revisions

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New CIG Businessowners Endorsements

• Business Income 24 Months Actual Loss Sustained
  (Form 03-002 edition 11-08)
• Extended Period of Indemnity for 180 days (Form
  03-001 edition 11-08

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Monterey Insurance Company Expanded Market

• Hotels/Motels with restaurants bars open to 2
  a.m.
• Restaurants with bars open to 2 a.m.
• Newer, well-protected , vacant buildings-
  including vacancy permit
• Vacancy levels in excess of 50
• Sprinklered buildings in excess of 6 stories
• Restaurants with incidental dance floors
• Family billiard restaurants

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Monterey Insurance Company Expanded Market (cont.)

• Restaurants that brew their own beer
• Properties in excess of 50 years old
• Risks with exposures identified, in our
  guidelines, for placement in MIC
• Well-managed risks that fall outside the
  guidelines of our other programs
• Successful, specialized programs in your agency
  that you would like MIC to consider

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CIG Commercial Multiperil Broadening Endorsement

• Building definition amended.
• Reverse Flow of Sewer or Drain - 100,000.
• Signs Covered Causes of Loss - 25,000.
• Power Failure Off Premises - 10,000.
• Computer Equipment Media/Data - 30,000.
• Employee Dishonesty - 5,000.
• Outdoor Property - 25,000 / 2,500 per item.
• Property Off Premises - 25,000.
• Income Support Property - 25,000.

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CIG Commercial MultiperilBroadening Endorsement
(cont.)

• Newly Acquired Business Personal Property 25
  of BPP limit with 250,000 maximum.
• Newly Acquired Buildings or Constructed Property
  - 500,000.
• Business Personal Property defined to include
  personal property in the open (or in vehicle)
  within 1,000 feet of the described premises.
• Business Income for Newly Acquired Structures -
  100,000.
• Money Securities - 15,000 on premises/5,000
  off premises

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CIG Commercial Multiperil Broadening Endorsement
(cont.)

• Tenants Building Glass - 25,000.
• Valuable Paper and Records Cost of Research -
  15,000 on premises / 5,000 off premises.
• Accounts Receivable is included at 15,000 on
  premises / 5,000 off premises.
• Arson Reward for Conviction - 5,000.
• Expenses for Loss Adjustment - 5,000.
• Fire Extinguisher Recharge - 5,000.
• F.O.B. - 5,000.
• Credit Card Transaction - 1,000.

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CIG Commercial MultiperilBroadening Endorsement
(cont.)

• Key Replacement or Lock Repair
• The endorsement offers highly desirable coverages
  for a premium charge of only 250 per location.
• Also available for mono-line property policies
  with five locations or more with at least one
  building at each location.
• Form 03-223 (01-09) in AZ, CA, NV

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Commercial LinesManuals and Forms

• Demonstration of accessing CIG online manuals.
• Online Commercial Lines manual includes
  hyperlinks to any form mentioned in text sections
  and hyperlinks in the forms list at the end of
  each program section.

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CIG Website
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Capital Insurance Group Marketing Program
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Welcome to CIG Promo-On-Demand (POD)
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CIG Co-Branding with NEW Logo Option
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Partner Agency Stationery
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Event Types

• Professional Events B-2-B
• --AOA Apartment Owners Association
• --YBAC Young Brokers Association
• -- AgShow
• Community Safety Saturday

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Community Safety Saturday
Visalia PDs Crime Prevention Department taking
measurements and photos and providing
take-home fingerprinting kits
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Referral Giveaway Products
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CIG Website
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Press Releases Testimonials under Whats New?
on the CIG Website
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Coming Soonthe new The Protector Network
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The Protector Network Members Benefits Page
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TPN eZine Newsletters and eBlasts
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Introducing CIGLIVE
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Sandie Borthwick sborthwick_at_ciginsurance.com 831.2
33.5372 www.CIGinsurance.com www.TheProtectorNetwo
rk.com 877.TPN.9104
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Presenters George Cushing Manager Bay Area
Branch. . . . . . . . . . . . . . . . . . . . . .
. . . . 831-233-3722 Walter Bennett Vice
President Underwriting. . . . . . . . . . . . .
. . . . . . . . . . . . 831-233-5361 Bob
Winn Vice President Underwriting. . . . . . .
. . . . . . . . . . . . . . . . . .
831-233-5294 Suzan Marcos Senior Personal Lines
Underwriter. . . . . . . . . . . . . . . . . . .
. . .831-233-5323 Debbie Belardes Personal Lines
Underwriter/Client Service Manager. . . . . . . .
. . 775-321-1700 William Wetherell Alternative
Markets Manager. . . . . . . . . . . . . . . . .
. . . . . . . . .831-233-1781 Cheryl
Bruns Territorial Manager Bay Area Branch. . .
. . . . . . . . . . . . . . . . 408-371-5501 John
Reynoso Territorial Manager Bay Area. . . . . .
. . . . . . . . . . . . . . . . . .
.707-255-1872 Genavieve Capone Commercial Lines
Underwriter. . . . . . . . . . . . . . . . . . .
. . . . . .408-385-3719 Home Office
800-382-9255 www.CIGinsurance.com
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Thank you for your business and support.