901 E. Saint Louis St
Ste 205
Springfield, MO 65806
Phone: 417-883-3277
Fax: 417-883-3393
Toll Free: 800-241-9759
   
CHECK OUT OUR WEBSITE:  www.ciusgf.com
JANUARY 2018 NEWSLETTER 
~ HAPPY NEW YEAR! ~
Baby, It's Cold Outside!
  
The winter months bring many nights with below-freezing temps, and it would be a good idea to remind your customers with Vacant or Seasonal Dwellings that they need to winterize (not only to protect their property, but also to protect their i nsurance  coverage/s).

Depending on the policy form, there may be conditions that would limit or exclude coverage from water damage if the insured does not take preventative measures to prevent water losses.    

Please review the policy with your insured and point out these special conditions that may apply to vacant or seasonal dwellings:
 

1. The insured must ensure that all utilities are disconnected and water tanks, apparatus and pipes drained while the dwelling is vacant;

 

2. Or the dwelling must be heated to a temperature of at least 55 degrees to prevent freezing of pipes.

 

3. The insured or a responsible party must inspect the dwelling on a weekly basis to ensure there are no visible signs of loss or damage.

 
Frozen pipes can happen at any dwelling (occupied or vacant); so it's always good to remind your insureds to take preventative measures to avoid these sorts of situations.  

And as always, please call us at 800-241-9759 if you have any questions and/or if there is anything we can try to help you with!
WE WANT YOUR AUTO DEALERS AND 
AUTO SERVICE/REPAIR RISKS!!
 
We can include coverage for: 
-Garage Liability 
-Scheduled Auto Liability  
-Fire Legal Liability      
-Uninsured Motorist/Underinsured Motorist
-Personal Injury Protection    
-Medical Payments
-Garagekeepers
-Dealers Physical Damage
-Auto Physical Damage for scheduled units
-Garage Property
 
Some of the unique classes we can consider:
- Antique/Classic Auto Dealers & Restoration
-Auctions   -Bedliner Installation   -Car Washes
-Emergency Vehicle Sales & Service   -Salvage Yards
-Horse Trailer Sales & Service   -Mobile Mechanics
-Lift Kits & Vehicle Wraps   -Motor Home Sales/Service
-Mobility Equipment Sales and Installation
-Motorcycle/ATV Sales & Service  -Oil & Lube Shops
-Valet Parking Services
-Parking & Storage Operations   -Roadside Assistance
-RV/Travel Trailer Sales & Service   -Van Conversion
 
Call 800-241-9759 today to discuss your specific risk(s), or send your submissions to newbusiness@ciusgf.com
Contractors, Contractors, Contractors...  WE WANT YOUR CONTRACTORS!!
  
We can consider contractors of all shapes and sizes... everything from the one-man trade/artisan contractor to the mid-sized remodeling operation; ground-up new home construction and commercial General Contractors; Roofing Contractors; AND MORE!
 
No contractor is too big or too small-- we want them all!
Call us today for an app, or send what you already have completed to us for a quote!
 
Call Toll Free 800-241-9759 o r send submissions to  newbusiness@ciusgf.com today for a quick quote!
We have a new market specifically tailored towards offering Medical Professional, Health Care Errors and Omissions, Management Liability, General Liability and Cyber Liability coverage for:
  • Long Term Care
  • Medical Facilities
  • Non-Standard Physicians
  • Managed Care
  • Life Sciences
  • Hospitals
  • Physician Groups
Send your submissions to newbusiness@ciusgf.com; or call 800-241-9759 today to discuss your specific risk/s with one of our underwriters.
__________________
New tax codes got you stressed?  Never fear!

We have a home for your
Accountants CPA'sTax Preparer's and Book-keepers!

With Competitive Minimum Premiums  and the option to package the Professional with General Liability and Property, we want to help you stay ahead of the curve on this class! 

Call 800-241-9759 today!
__________________
What is 
Miscellaneous E&O?
   
When a risk defies an "easy" definition, try CIU!
 
Miscellaneous E&O is a broad and growing area within the Professional Liability category. 
 
Some examples include: 
 
-"Unusual" Consultants    
-Construction Managers
-Testing Labs
-M&A Consulting
-Expert Witnesses
-Property Managers
-Mortgage Brokers
-Drafters
-Interior Decorators
-Safety Training
-Title Abstractors/Title Agents/Escrow Agents
-Public Claim Adjusters
-AND MORE!
 
Send your submissions to newbusiness@ciusgf.com 
for review today!
ON THE BOOKS
Commercial Lines
Environmental Engineer/Construction Project Manager Consultant- $4mil Excess over $5mil lead excess.   $9,350
Alarm Installation & Locksmith- $1mil/$2mil GL (including Blanket AI); $2mil/$2mil E&O.  $400k annual payroll. $8,575
Taxicab- $300k Auto CSL; $29k Physical Damage. 13 units.  100 mile radius. $56,450
Apartment Building- $1mil/$2mil GL; $2.6mil Prop TIV.  56 units.  Subsidized housing. $19,570
Used Auto Dealer- $1mil/$2mil Garage Liab w/ $1mil UM/UIM.  $100k DOL (w/ $1k aop, $2,500 w/h, and $2,500 theft dedts).  4 d-tags. 3 rating units. $10,560
Sporting Goods/Athletic Equipment Manufacturing- $1mil/$2mil premises only (excluding Products/Completed Ops & P/AI); $4.3mil Prop TIV. $4mil receipts. $15,525
Commercial Property Owner (LRO)- $1mil/$2mil GL; $743k Prop TIV.  17,000 sq ft.  PC 7. $7,645
Apartment Building- $1mil/$2mil GL.  $2mil Prop TIV.  26 units.  Student Housing. $8,855
C-Store w/ Liquor, Tobacco and Gasoline sales- $1mil/$2mil GL; $2.3mil Prop TIV (w/ $5k aop/2% w/h dedts). $3.2mil receipts. $11,555
Machinery Parts Manufacturing- $1mil/$2mil GL.  $3mil receipts.  Prior loss history.  $19,130
   
Personal Lines  
DP1- Seasonal Dwelling. $50k TIV.  PC 10. Woodstove as primary heat source. $1,495
HO3- Owner Occupied Dwelling.  $282k TIV.  Large prior fire      loss. $2,210
HO3 (incl EQ)- Owner Occupied Dwelling.  $990k TIV.  Multiple prior losses. $3,315
HO4- Owner Occupied Dwelling.  $1.9 TIV. Prior water loss. $5,180
HO3- Owner Occupied. $1.2mil TIV. PC 9. $6,945