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 aciusgf.com!
  
DECEMBER 2017 NEWSLETTER
  
'Tis the season for
SNOW...  Removal Contractors, that is!!
  
Eligible classes include: 
  • Commercial retail plowing
  • Hotels 
  • Malls 
  • Schools 
  • Apartments
  • Condominiums
  • And others!
Coverage features include:
  • Property and contractors equipment is available
  • Annual policy and premium is 100% earned
  • Minimum premiums vary by state
  • Can cover private roadways, but not available for highways and/or interstate roads
  • Blanket AI CG2033 is available
  • Broad territory
Send us your snow removal contractors today!! newbusiness@ciusgf.com

"Notable Dates" for the month of Dec:
  
Happy Birthday to: 
   Shannon Casteel (on  Dec 18th)
   
Please also note  CIU will be closed:
  
Thurs, Dec 14th  ( from noon to 5:00 pm only -for our office Chri stmas party)
Monday, Dec 25th
Tuesday, Dec 26th
and 
Monday, Jan 1st

From our CIU family 
to yours...
*H ap pHo li da ys !! *


Beyond the Office...
This month CIU employees collected toy donations for our local Salvation Army (to assist families who needed some help making sure their kiddos have a merry Christmas).  
It was really fun to see all the cute goodies everyone brought in for this great cause!
Are your customers covered for Employment Practices Liability (EPL) issues?
   
With headlines breaking daily (if not by the hour) accusing and/or exposing high-profile (and other) individuals of inappropriate behavior, now may be the ideal time to have a conversation with your clients about how they can try to protect themselves from incidents like this (that could arise within their workforce and/or affect their business operations). 

Employers, regardless of size and/or nature of business, face a wide 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%.
 
But it's not all bad news!!  CIU has numerous solutions for the EPL exposures your customers face!  
 
Contact us today (800-241-9759) to see how we can help your customers obtain coverage for this alarming exposure.
Abuse/Molestation
  
The recent stream of allegations related to inappropriate behavior within workplaces are also shedding light on another area where our customers may face a concerning exposure: the  actual (or threatened) abuse or molestation of clientele while in their care, custody or control. 
  
And whether your customers are aware of it or not, most GL policies do not include this important coverage.
       
But we have a solution for many of your customers who are concerned about this potential exposure! 
  
We can consider  stand-alone 
Abuse and Molestation coverage for:
Churches
Museums
Community Theater/
Arts Programs
Tutoring Services
and more!
Call us today at  800-241-9759 to discuss your account specifics!
Personal Lines 
EQUIPMENT BREAKDOWN 
and SERVICE LINE coverage enhancements!
  
We have some new options that can be added onto Homeowner and Dwelling risks we are quoting for you!  

Home System Protection coverages can be added for either $35 (if coverage A is < $350k), or $81 (if coverage A is > $350k).  The deductible is $1,000 (regardless of the AOP dedt).  

Examples of items covered include: Air Conditioning/ Heating systems, Washer/Dryer, Computers/Laptops, Dishwasher, Stove, Pool Equipment, Well Pumps, etc.  
 
Coverage includes payment for sudden and accidental mechanical or electrical breakdown of property (and there is no restrictions for age of equipment).
 
Another new optional coverage is Service Line Coverage.  This covers outdoor water/sewer lines, communications (cable/phone), electrical power, etc. that are technically not a part of the structure, but for which the property owner is still responsible.  This coverage is $48 with a $500 deductible.
 
Let us help protect your client's property inside and out!  Ask to have either of these optional coverages added to your quote today! 

Send your submissions to personallines@ciusgf.com!
ON THE BOOKS
Commercial Lines:
 
Biochemical Manufacturer- $860k Prop TIV.  PC 10.  Frame Const. $6,100
Commercial Property Owner (tenant is a restaurant)- $1mil/$2mil GL.  $710k Prop TIV. PC 6.  JM Const.  12,000 square feet.                                              $7,970
Tennis Club and Pool Complex- $15M Excess over underlying GL, Auto & Lead 5M XS $12,780
Novelty Store- $1mil/$2mil GL.  $1.7mil Prop TIV.  1.1mil gross receipts. $10,740
Bulk Coffee (and related equipment) Delivery Service- $1M CSL Auto Liab; $500k UM/UIM; $1k Med Pay.  $334,600 Auto Physical Damage.  $500 Comp dedt/$1,000 Coll dedt. 10 power units.  Prior loss frequency. $39,785
Garbage Roll Off Service- $1mil CSL Auto Liab; $110k Physical Damage; $1mil/$2mil GL; & $189k Inland Marine. 2 power units. $14,690
Roofing Contractor- $1mil/$2mil GL.  $2,500 dedt.  Based on $150k gross receipts. $5,390
Used PPT Auto Dealership- $100k/$300k Garage Liab. $1k Med Pay. $100k UM/UIM. $100k DOL (w/ $1k comp/coll dedts). $5,915
C-Store (w/ restaurant)- $1mil/$2mil GL; $700k Prop TIV. $1.6mil gross receipts. $9,210
   
Personal Lines:  
HO3- Owner Occupied Dwelling.  $243k TIV. Prior hail and water losses. $1,415
HO3- Owner Occupied Dwelling.  $201k TIV. Prior fire loss. $1,540
HO3- Owner Occupied Dwelling.  $306k TIV.  Prior large wind/hail loss. $2,425