MAY 2015 NEWSLETTER
EXPERIENCE... CONSISTENCY... CIU!
Our industry is all about relationships.  Knowing you have an experienced underwriter, and knowing you will be working with the same people year after year means everything to us; and that's what we want to provide for you.  

The combined experience of all of our underwriters is 128+ years; and the average experience of each underwriter is 16+ years!

Let our team's experience speak for itself! 

Call us today to see what we can do for you!!
417-883-3277
800-241-9759  
WE WANT YOUR HOTELS AND MOTELS!!
No lodging risk is too big or small- we want to look at them ALL!
         
With newly reduced rates we are hoping to be your LAST STOP for this class!! 
 
Send your submissions to newbusiness@ciusgf.com today!  
We want to be your FIRST choice for hard to place PERSONAL LINES risks that do not fit your standard market guidelines!  

  We can help you write risks...

 ....with "BAD DOGS" or HORSES on premises.  Can offer for owner or tenant occupied dwellings.  (NOTE: there is a mandatory Animal Exclusion on every policy, so there is no coverage for the animals, but, we can write coverage on the dwelling and liability.)  There must be no bite history for dogs and only up to 2 horses (for personal use only).

....that are CORPORATELY OWNED or in the name of a TRUST

....with CLAIM PROBLEMS.  We can consider risks with TOTAL FIRE and/or multiple losses.

....located in PC 9/10.  (Including Seasonal, Vacant or Tenant Occupied or High Value Dwellings.)

....that are LOG construction.

....requiring a $1,000,000 Liability.  (Available on some programs)

 

Contact Marsha Peck, Ext 236, mpeck@ciusgf.com TODAY; she is ready to assist you with your challenging Personal Lines risks! 

 

WE WANT YOUR PROFESSIONAL ACCOUNTS!   
E&O... A&E... LAWYERS... INSURANCE AGENTS... ALLIED MEDICAL... AND MORE!
With minimum premiums starting as low as $500* for some MPL risks, we want to be your GO TO for this class! 
 
Call your underwriter today to see what we can offer!
   
*MP's depend on limits, deductibles and class/type of account.  Not every risk will be eligible for a $500 MP.
Did you know Product Recall is one of the 

Protect your clients from unanticipated expenses arising out of supply chain product withdrawal or recall. Written in conjunction with Product Liability Coverage, this endorsement provides reimbursement for certain expenses incurred because of a product withdrawal, due to a recall or tampering.
Sample exposures include:
Bakery Plants
Beverage Bottlers
Clothing Manufacturing
Detergent Manufacturing
Food Products' Manufacturing
  
Contact us today for more info or to get a quote!
417-883-3277
800-241-9759 
ON THE BOOKS
Commercial Lines:  
Hotel- 3 Story, MNC, PC 1, $3,661,000 TIV (incl Earthquake), $5k AOP dedt, 10% EQ dedt. (no liability) $13,760
Hotel w/ 48 rooms- $4mil Excess only (over GL, Auto Liability and Employers Liability) $2,730
Utility Company- DIC incl Earthquake. $10mil primary (of $71.5mil full TIV).  5% dedt. $71,590
Gun Sales/Gunsmithing- $1mil/$2mil GL; $567k Prop TIV w/ $1k dedt.  $254k GR. $3,900
Home Health Care Agency- $1mil/$3mil GL (incl Prof, H&NO Auto, EBL and Sexual/Physical Abuse sublimits).  $1.5mil GR. $25k Prop TIV w/ $2,500 dedt. $12,600
Hotel w/ 63 rooms. $1mil/$2mil GL + $2mil Excess.  $530k GR. $6,105
Used Construction Equipment Dealer- $1mil CSL Auto Liab; $972k Phys Dmg. 22 scheduled units. Local Radius.. $38,020
Trucking/Delivery Service/Warehouse- $100k MTC w/ $2,500 dedt; and $2mil Terminal (Cargo) Coverage w/ $5k dedt. $17,250
Residential Roofing General Contractor- $1mil/$2mil GL (w/ blanket AI & WOS), $1.5mil subs cost; $100k IM w/ a $1k dedt. $16,385
Saw Components Manufacturer- $1mil/$2mil GL, $2.5mil GR; $1mil Excess (over GL, Auto Liability and Employers Liability) $38,845
Personal Lines:  
MO HO 3 $306k TIV Total Fire Loss $2,600
AR DP 1 Tenant Occupied Condo $65 Betterments/Improvements $615
OK DP 1 Owner Occupied Metal Bldg w/ lengthy lapse  $170k TIV $2,080
Monoline Jewelry Schedule $18k TIV $1k dedt $450
Umbrella $5mil limit 3 premises, 6 autos, 4 watercraft, 6 drivers (w/ some violations) $2,405
AR HO 8 $1.8mil TIV PC 9 $7,705
   

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