901 E. Saint Louis St.
Ste 205
Springfield, MO 65806
Phone: 417-883-3277
Fax: 417-883-3393
Toll Free: 800-241-9759
AUGUST 2017 NEWSLETTER
Visit our website at  www.ciusgf.com

Are you attending the  Kansas PIA Convention in Wichita Aug 16th-17th?  

If so, be sure to stop by and say "HI!" to Betty Majors at booth # 17!  

We look forward to seeing you there!
___________________
CIU has a new Garage Market!

Boasting competitive rates and "unique" class considerations, we are VERY excited about this new product offering! 

Even if we have not been able to help you with a particular garage or dealer risk/class in the past, please try us again!  We really think this new market will be a fit for a lot of things we may not have necessarily had a "home" for in the past.  
Call today to see what we can offer! 
800-241-9759
Got Farms?  
CIU can help!
  
We have a market for "distressed" farm risks (that your standard markets have declined or are non-renewing). 

Available as a package or for monoline liability (with minimum premiums as low as $400 + taxes/fees); we can consider everything from dairy, crop, and hobby farms to hydro farms; and many more! 

Call your underwriter for an application today!

800-241-9759
"Notable Dates" 
for the month of August
  
Happy Birthday to:
  
Cherie Snavely (on 8/16)
   and   
Betty Majors (on 8/17)
Don't forget CIU for your  Commercial Auto & Transportation  accounts!

Although market conditions are tightening (especially on new ventures), we are still writing a lot of this class and we want to help you write more as well !

Here are some examples of risks we can consider: 
  • Charter Buses
  • Church Buses
  • Contingent Liability
  • Contractors Autos
  • Day Care Buses
  • Dump Trucks (restrictions apply)
  • Escort Vehicles
  • Farm Vehicles
  • For-Hire Truckers
  • Limousine Services
  • Motor Truck Cargo
  • Non-Emergency Medical Transport
  • Senior citizen transport
  • Taxis
  • Truck Driver Training
  • Tow Trucks (restrictions apply)
  • Waste Haulers
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!
Think CIU for your Stand-Alone
Adjacent Personal Lines Structures!
If your customer has a premises that does not have a dwelling, but it  does  have a "structure" on it, let CIU help cover the structure and/or premises liability. 

It could be a garage, shed, boat
dock, or something "else" (but unfortunately we cannot consider farm and/or commercial structures).

We can offer a DP-1 Fire/EC and Premise Liability.  (Note: no VMM can be offered).   We can also cover up to 10% of the structure value for contents.

If you have risks like this, send a dwelling app (and include the appropriate limit in the 'Adjacent Structure' field) to personallines @ciusgf.com today!
Don't Get "All Shook Up!"  
CIU Can Help With Your EARTHQUAKE Business!! 

Our Earthquake markets have recently expanded their appetite and writing territory; AND they have increased their limits capacity!
 
So we are ready to shore up your Earthquake needs!
 
We can look at MO, AR, IL, KS, OK, TN, TX, and more!
 
Call 800-241-9759 to discuss your specific account, or send your submissions to newbusiness@cuisgf.com today!
Beyond the Office...

The St. Louis Independent Agents Association offers multiple merit-based scholarships annually to family of STLIA member organizations.

Laura Peck (daughter of CIU employee Marsha Peck) was selected to receive one of these scholarships.  

Laura is a Senior at the University of Arkansas obtaining a Pre-Vet Biomedical Engineering degree.  She feels her life would be best spent devoted to helping animals by conducting research in the veterinary field or in a small animal private practice treating animals and helping people by caring for their pets.    

A big "Thank You!" to the members of STLIA for selecting Laura as a recipient; and congrats also to Laura and Marsha!  

The scholarship will be utilized towards tuition for the 2017/2018 year.
ON THE BOOKS
Commercial Lines:
Pizza Delivery- $1.5mil CSL Monoline H&NO Auto (over drivers' primary). Based on $3.1mil delivery receipts. $1mil Umbrella (over GL, AL, H&NO Auto & EL). $42,300
Bar & Grill- $1mil/$2mil GL; $1mil/$2mil Liquor; $25k/$50k A&B sublimits; $885k Prop TIV (w/ $10k all perils dedt).  Based on $350k annual gross receipts $12,295
Commercial Property Owner (Lessors Risk Only)- $1.5mil Property TIV w/ $25k dedt.  Coinsurance waived (due to potential underinsurance on values).  Tenants are a table manufacturer and a bus air conditioner service shop. $28,200
Non-Profit Service Dog Training- $1mil/$2mil GL; $10,000 BPP.  $1,000
Wildlife Refuge- $1mil/$2mil GL; $45k Prop TIV. $5,550
Law Firm- $1mil/$2mil Professional. $10k dedt. $17,535
Geologist (performing studies for the mining industry)- $1mil/$2mil GL; $1mil/$1mil Professional; $5mil Excess (over GL, AL and EL). $7,330
PPT Used Auto Dealer- $300k Garage Liab; $300k UM/UIM; $500k DOL. 4 rating units. 8 dealer tags. MVR activity. $10,310
24-Hour Self Service C-store- $1mil/$2mil GL; $345k Prop TIV (w/ $2,500 aop/$5k w/h dedts). Based on $50k annual gross receipts and 110k annual gallons of gasoline sold. $3,100
Vacant Commercial Building- $1mil/$2mil GL; $310k Prop TIV. RC, Spcl x-theft. $2,500 aop/2% (subject to $5k minimum) w/h dedt. $4,800
Community Recreation Facility (w/ docks, club house, and a pool)- $1mil/$2mil GL. $1mil Marine Operators Legal Liab. $319k Prop TIV. $12,905
   
Personal Lines:  
HO3- Owner Occupied Dwelling. $374k TIV.  PC 5.  3 recent claims, including a large fire loss.  $5k aop/5% w/h dedts. $2,355
HO3- Owner Occupied Dwelling. $782k TIV. PC 3.  3 claims in 3 years.  $2,500 aop/$5k water damage dedts. $4,550
HO3- Owner Occupied Dwelling- $390k TIV. PC 2.  2 recent wind losses.  $2,500 aop/5% w/h dedts. $3,025