901 E. Saint Louis St. 
Ste 205
Springfield, MO 65806
Phone: 417-883-3277
Fax: 417-883-3393
Toll Free: 800-241-9759
DECEMBER 2016 NEWSLETTER
Visit our website:  ciusgf.com
New and Improved Home Inspector coverage!

Highlights include:
-Competitive Minimum Premiums
-Low Deductible
-Option to package with General Liability and Property
-Comprehensive coverage options available
-$25,000 property damage sub-limit available

So take a close look at our Home Inspector coverage... send your submissions to 
newbusiness@ciusgf.co m  
for review today! 
CONGRATULATIONS Rachel Niemeier! (formerly Rachel Elledge) 

Rachel is newly married, and her e-mail is now 
rniemeier@ciusgf.com.
___________________
Thank you for your business this past year!

We are looking forward to a prosperous 2017! 

Have a very Merry Christmas and a Happy New Year!! 
Upcoming closures: 

CIU will be closed all day Monday, Dec 26th, and Monday, Jan 2nd. 

For a complete list of our holiday closures year round, click  here.
  
Try our "convenient" new  Convenience Stores
Program (stocked with essential coverage to help meet your customer's needs)!

Program highlights/features include:
-Assault and Battery coverage with $100,000 / $100,000 limits included for no charge (and higher limits are also available)
-Waiting period is waived when Business Income or Utility Services - Time Element coverage is purchased
-Additional Insured - Grantor of Franchise can be included for no charge

Coverage can also be extended to include these additional exposures:
-Gasoline Sales
-Car Washes
-Automobile Repair
-Restaurants with limited cooking
-and more!

So send all your Convenience Store accounts to us at newbusiness@ciusgf.com for a quote today!
New Environmental Program Enhancements
Including:
-A new, more versatile Environmental Impairment Liability policy form with many built-in coverage enhancements to address fixed-site risks.  (The new form is more "customizable" than ever!)
-A "re-launched" A&E program with several enhancements in order to serve a broader range of professional classes and project types!
-A revamped Hazmat Auto program which now offers Excess Auto with limits up to $5mil.
-A new and improved Environmental Contractors and Consultants product (providing package coverage for a wide variety of classes, such as Asbestos Abatement contractors, Soil Remediation contractors, Phase I consultants, Regulatory Compliance consultants and Remedial Design Engineers.)
-AND MORE! 

We want a shot on all of your Environmental accounts! 

Send your submissions to newbusiness@ciusgf.com!
With the beginning of each new year, companies have a tendency to amend their Personal Lines guidelines and appetites.  
This may result in non-renewals on existing policies due to loss history, protection class, and/or other changes.  

Likewise, new business risks may no longer fit company programs/guidelines.  If you need help re-marketing non-renewed policies, or finding a home for any hard-to-place new business, please keep CIU in mind!  

We have flexibility in our underwriting that allows us to consider risks that other companies may not find acceptable.  

So give CIU a chance to help you on these risks!  

Send your applications to personallines@ciusgf.com for review!       
ON THE BOOKS
Commercial Lines:  
Prisoner Transport- $1mil/$3mil CGL & Professional. $8,015
Long Haul Trucker- $1mil CSL Auto Liab; $100k MTC (incl reefer). 1 power unit. $12,860
Restaurant- Earthquake only. $1.6mil TIV.  Building built in 1939.  10% dedt.  $3,160
Biochemical Manufacturing Plant- $863,400 TIV. Frame Const. PC 10. $6,040
Commercial Building Owner/Lessors Risk Only (leased to a restaurant tenant)- $1mil/$2mil GL; $710k TIV. PC 6. 9,900 square feet.   $8,015
Tennis Club and Swimming Pool Complex- $15mil Excess over primary GL, AL and a $5mil lead excess. $8,840
Garbage Roll Off Service- $1mil CSL Auto Liab; $110k Physical Damage; $1mil/$2mil GL; & $189k Inland Marine. 2 power units. $14,770
General Contractor- $1mil/$2mil GL. No dedt. Includes Blanket AI, WOS & Per Project Agg.  $600,000 annual gross receipts. $5,545
Non-Franchised Used Auto Dealer- $300k/$600k Liab. 2.6 total rating units. 6 d-tags. Prior loss history and MVR activity. $7,015
Sand/Gravel/Machinery Hauler- $1mil CSL Auto Liab; $196k Physical Damage. 3 power units & 4 scheduled trailers. Local to intermediate radius. $25,140
   
Personal Lines:  
HO3- $603k TIV. 3 prior water losses. $2,885
DP3- Vacant. 6-month term. $222k TIV. In the name of a trust. $1,140
DP3- Tenant Occupied Rental Dwelling. $135k TIV. Prior fire loss. $1,735