901 E. Saint Louis St.
Ste 205
Springfield, MO 65806
Phone: 417-883-3277
Fax: 417-883-3393
Toll Free: 800-241-9759
Visit our website at ciusgf.com!

APRIL 2017 NEWSLETTER
  
"Notable Dates" 
for April...
  
Happy Anniversary to:
-Teresa Cheek (who has been with CIU for 11 years)
-Cherie Snavely (who has been with CIU for 3 years)
and
-Dave Hinrichs (who started CIU 33 years ago!!)

Happy Birthday to: 
- Rachel Niemeier (on April 17th)
- Abi Haase (on April 25th) 
and 
-CIU  (who celebrates 33 YEARS on April 13th!) WOW!!

And we wish a very happy Easter to you and your families as well!!
Employment Practices Liability (EPL Insurance)

Employers, regardless of size and/or nature of business, face a variety of employment practice exposures.  

Claims may arise from purported wrongful termination, harassment, discrimination, retaliation, the failure to employ or promote employees, and other such allegations. 

Over the last 20 years, employee lawsuits have risen roughly 400%, with wrongful termination suits jumping up more than 260%.

Despite all of these scary numbers, roughly 7 out of 10 businesses don't carry EPL insurance, which can be a costly mistake.  

B ut there is good news!!   CIU has numerous solutions for the EPL exposures your customers face!  

Contact us today to see how we can help "round out" the coverage/s you are offering your customers to make sure they have protection against this very real exposure. 

Call us today at 800-241-9759 to see how we can help!!  
We still want your Commercial Auto/
Transportation accounts!

Although market conditions are tightening (especially on certain classes and types of risks, including new ventures), we are still writing a lot of this class and want to help you where we can!  

Underwriting is often done on a case-by-case basis, so please call to discuss your specific account/s with an underwriter to see if we can help!  (800-241-9759)

Or, feel free to send your completed submissions (which need to include a carrier specific auto app [no ACORDS, please!], prior carrier loss runs, and the reason the applicant is shopping) to newbusiness@ciusgf.com today!
Let us help RENOVATE 
your profits!

Are you looking for a market for individuals who are "flipping" properties? 

We can write a vacant/renovation policy on a DP-1 - Named Perils ACV basis for the dwelling (1-4 family) or a DP-3 - RC or ACV basis.  These are rated for the completed value (Current ACV or RC + Cost of Renovations).

Premises liability can also be offered if a licensed contractor is doing the "major work" (wiring/heating/plumb./roofing).

Whether your client is just making cosmetic updates or a full gut rehab, let us help you write these policies to RENOVATE your bottom line.

Send your submission to personallines@ciusgf.com for a quote today!
Allied Medical & Healthcare 
Related Accounts
 
We can include not only the GL and Medical Professional coverage, but also Non-Medical E&O coverage (that picks up applicable non-professional E&O issues as well as the Professional coverage). 
 
Target classes include:
- Health Care Staffing
- Home Health Care
- Medical Education
- Research Labs
- Clinical Trials
- Paramedical and Emergency Medical Treatment
- Pharmacies
- Psycho-Social Services

Send all your Healthcare related submissions to newbusiness@ciusgf.com today!
Beyond the Office...
  
Big Brothers Big Sisters of the Ozarks has a wonderful "lunch buddy" program that two of our CIU associates participate in.  
  
Due to privacy issues, we are unable to photograph the "littles" that Brenda Clark (left) and Abi Haase (right) get to enjoy lunch with, but they will both tell you what a joy it is to eat lunch with these students and have the opportunity to be a mentor for them. 
  
The more positive, caring adults a child has in their life, the higher their odds of being a successful adult will be.  

CIU is happy to support this program in our community!
ON THE BOOKS
Commercial Lines  
General Contractor building 10 to 15 homes per year (with up to 100 total homes in any one project over time)- $1mil/$2mil GL w/ $5k dedt.  Based on $8mil annual gross receipts w/ $250k payroll and $6mil in subcontracted work cost.  $29,175
Student Housing Apartments- $1mil/$2mil GL; $3,268,400 Prop IV. 37 units + one pool.                                                                                $16,085
Used Auto Dealer- $1mil/$2mil Garage Liability; $50k DOL; & Dealer E&O 2/ $25k per incident/$100k Agg sublimits. $7,300
Trucker hauling powerline support crawler carrier- $500k Excess Cargo (over $500k primary).  1 power unit. $5,000
Property Owner (54 subsidized rental units)- $500k Tenant Discrimination Legal Expense and Loss Reimbursement Coverage $1,100
Video Production & Webcasting- $1mil/$2mil Premises GL; $1mil/$1mil Media Content Liability; & $834k Prop TIV. $7,440
Bus, Truck-Tractor & Private Passenger Driver Training School- $1mil Auto CSL, $300k UM/UIM; $90,125 Stated Amount (Comp/Coll); 8 Power Units & 10 Trailers. $23,090
New and Used School Bus Sales- $15mil Excess Dealers Open Lot (over $1mil primary). $124,000
Schedule of rental dwellings, apartments, commercial Lessors Risk & Vacant Buildings- $1mil/$2mil GL; $1,200,420 Prop TIV. $11,015
Liquor Store (w/ Tobacco and Gun Sales)- $1mil/$2mil GL; $1.15mil Prop TIV. $2.4mil annual gross receipts. $12,600
Excavation and Cable Installation Contractor- $1mil/$2mil GL; $1mil Excess (over GL, AL and EL); and $1mil/$2mil CPL. Based on $900k annual gross receipts and $400k annual payroll. $16,925
   
Personal Lines  
$5mil Umbrella- 1 premises, 4 vehicles & 4 drivers (w/ 3 at fault accidents) $1,150
HO3- Owner Occupied Secondary Dwelling- $1.2mil TIV. $3,380
DP1- Vacant undergoing renovation. $280k TIV.  Previous fire loss. $740
DP3- Short-Term Vacation Rental $100k TIV. $1,320
HO3- Owner Occupied Dwellng. $553k TIV. Previous (open) liability claim. $2,475
HO3- Owner Occupied Dwelling. $300k TIV.  Previous fire loss. $2,190