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| July 2008 |
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| Have a question about this issue of the Newsletter? Then why not email us! |
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| SPOTLIGHT ARTICLE |
Now offering in Iowa
BOP, WC, UMBRELLA
Illinois Casualty Company is an industry leader in Restaurant / Tavern business offering broad and innovative coverage along with competitive pricing.
FIRST WESTERN will now be able to offer our contracted agents access to these great products in addition to the Liquor product we have traditionally offered.
Please plan to attend one of our informational meetings. Your attendance at this meeting is strongly encouraged and will make your agency eligible for a commission bonus on our IL CAS BOP program.
| Meeting locations: |
July 8 1:30 PM Davenport, IA
July 9 9:00 AM Manchester, IA
July 14 9:00 AM Des Moines, IA |
Please visit www.fwins.com/events/ to register and see full details for the meetings.
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| INACTIVE modernLINK USER IDs TO BE DELETED |
As part of an ongoing effort to strengthen our security posture, starting on July 8, 2008, all modernLINK users who have not changed their passwords within the past year will be considered inactive and therefore deleted.
If you, or someone you know have not logged into modernLINK within the past year, please do so before July 8. You will then be prompted to change your password.
The Midland Company values a strong security posture that protects our partners' and customers' information, which they have entrusted to us. Deleting inactive IDs is required for system security.
Later in this calendar year, Midland will begin an automated process to delete inactive users on a monthly basis. We will post detailed information on modernLINK's News portal as we near completion of this new feature.
If you experience difficulty while trying to login to modernLINK, please contact your Profile Administrator.
Hazel M Woods
Personal Lines Manager
hwoods@fwins.com"
800-475-1000 (Ext. 221)
Fax (515)225-3872
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SCOOTERS —
AN ALTERNATIVE TO LOWER FUEL COSTS |
Scooters - With gas prices pushing $4 a gallon, drivers are looking for alternatives to lower their fuel costs. One option is to switch to a scooter, which can get 75 to 120 miles per gallon.
You may well be asked to quote coverage for a scooter. Remember,
- We treat scooters just like street bikes
- Quote it on modernLINK
- Our rates are competitive
- All usual discounts apply (homeownership, completion of a training program, loss-free renewal, insuring multiple units).
Scooter Safety
The Motorcycle Safety Foundation is beginning to offer a training program specifically for scooter operators, in addition to their well-known motorcycle training program.
The Motorcycle Safety Foundation Web site also includes a thorough safety and riding guide for scooters.
Hazel M Woods
Personal Lines Manager
hwoods@fwins.com"
800-475-1000 (Ext. 221)
Fax (515)225-3872
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| YOU SPOKE... WE LISTENED... WE'RE HERE! |
In an ever changing work environment, we want to do everything we can to give you the service you need to meet the needs of your customers.
Breaking with a long time tradition that we enjoyed, First Western's West Des Moines and Omaha offices will be open until 3:15 EVERY Friday afternoon to assist you!
We anticipate this will strengthen our commitment to serving you.
Contact your favorite underwriter or Jim Trager at 1-800-475-1000 x237 if you have any questions.
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| HIGHLIGHTS OF RECENTLY WRITTEN ACCOUNTS |
When you run across a hard-to-place specialty risk, think First Western FIRST!
| General Liability |
| Camp |
$700 |
| Civic Group |
$775 |
| Community Celebration |
$500 |
| Criminal/Civil Background Checks |
$500 |
| Demolition |
$3,550 |
| Estate Sale |
$350 |
| Hog Sales |
$500 |
| Liquor |
$1,650 |
| Liquor |
$1,500 |
| Mud Bog Races |
$650 |
| Photography Exhibit |
$350 |
| Rodeo Sponsor |
$350 |
| Sesquicentennial |
$500 |
| Special Event |
$450 |
| Spectator's Liability - Tractor Pull |
$550 |
| Swimming Pool Manager |
$1,000 |
| Tanning Salon |
$1,200 |
| Tree Trimming |
$800 |
| Tree Trimming |
$750 |
| Tree Trimming |
$900 |
| Tree Trimming |
$550 |
| Tree Trimming |
$600 |
| Wedding Reception |
$550 |
| Inland Marine |
| Salvage Operation |
$3,500 |
| Telephone/Cable TV Installation |
$550 |
| Miscellaneous |
| 4th of July Celebration |
$1,400 |
| Animal Mortality |
$550 |
| Beautician & Tanning |
$900 |
| Beautician IC |
$400 |
| Child Daycare |
$650 |
| Daycare |
$1,600 |
| Daycare |
$400 |
| Used Auto Dealer |
$3,300 |
| Package |
| 6 Plex Rental |
$1,150 |
| Dance Studio |
$1,200 |
| Fitness Center |
$1,100 |
| Restaurant |
$4,200 |
| Software Contracting |
$1,300 |
| Vacant Building |
$3,150 |
| Property |
| Lessors Risk |
$700 |
| Professional |
| County Fair Association |
$650 |
| Laser Skincare |
$2,000 |
| Transportation |
| Party Bus |
$6,650 |
| Telephone/Cable TV Installation |
$130 |
| Trucking |
$6,700 |
| Trucking |
$10,550 |
| Trucking |
$2,400 |
| Trucking |
$4,900 |
| Trucking |
$1,000 |
| Trucking |
$6,500 |
| Trucking |
$1,900 |
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| EXPANDED COVERAGE, BROADER UNDERWRITING ACCEPTANCE |
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EXPANDED COVERAGE,
BROADER UNDERWRITING ACCEPTANCE,
EVEN LOWER RATES IN MANY CASES
THINK OF US FIRST FOR
YOUR BOATING COVERAGES!
Effective New Business
July 1, 2008 |
Renewal Business
August 15, 2008 |
| Liability Protection is now available at $1,000,000 CSL - Review Guidelines for eligibility |
Total Loss Replacement Cost. Boats new to three years old |
| Market Value Coverage. Boats new to 10 years old. Boat Lift Coverage is an added option that will cover physical damage losses to lifts used for the insured watercraft |
Yacht Plus Endorsement Provides increased Personal Effects coverage, includes Rental Reimbursement, Travel Loss Reimbursement for costs associated with emergency travel, lodging & meals |
| Professional Angler Endorsement will cover semi-pro and pro anglers who earn more than 50% of their annual income through fishing tournaments, endorsements & etc. Endorsement provides Tournament Fee Reimbursement |
Underinsured Boater Coverage is added to all package endorsements for no increased premium charges. Also included in the new Yacht Plus and Pro Angler endorsements |
| Diminishing Deductibles available. Customer will continue to earn a renewal discount even if they've selected this coverage option. |
We now provide Named Storm Exclusion Option for customers in East and Gulf coastal territories who are interested in a money saving option |
| Agreed Value available for all boats, regardless of length and age. |
Extended Parts Replacement (previously Extended Partial Loss) now provides replacement cost protection for parts up to 10 years old. |
| Medical Payments still at $1,000 - Now available up to $25,000; and is now a primary coverage for all injured, including insured persons and family members. |
Navigation limits now allow for use in Mexican lakes, as long as shared between Mexico and the United States. |
IMPROVEMENTS INCLUDE:
- Boat Values up to $500,000
- Performance Boats up to 120 mph
- Bass Boats up to 90 mph (no increased speed charges)
- Sport Fishing boats up to 79 mph (with no increased speed surcharges)
- Airboats and Hovercraft
- Houseboats up to 125 ft
- Quad outboard engine Sport Fishers
- Performance boats are still subject to approval
On Line Training sessions are available
ALL THESE IMPROVEMENTS AND MANY LOWER POLICY RATES
If you need a User ID and Password for modernLINK® click here to email us.
Hazel M Woods
Personal Lines Manager
hwoods@fwins.com"
800-475-1000 Ext. 221
Fax (515)225-3872
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| HAGERTY COLLECTOR CAR INSURANCE |
WE ARE excited to offer three new classic auto policy endorsements
Automobilia Coverage
Any historic or collectible item linked with motor vehicles is eligible, including petroliana (gas pumps, Station displays), model cars and other toys, license plates, posters and signs, painting and prints, hood Ornaments, automotive literature and more.
No inventories, schedules, appraisals or receipts required
$0 deductible on most losses
Blanket limits available, with up to $5000 in coverage per item
Fair market value, open perils, subject to exclusions
Automotive Tools Coverage
Any tools used to maintain or restore collector vehicles are eligible. Portable carts, toolboxes and accessories also qualify.
No inventories, schedules, appraisals or receipts required $250 deductible
Blanket limits available, with up to $1000 in coverage per item
Fair market value, open perils, subject to exclusions
Spare Parts Coverage
Any collector vehicle spare parts are eligible, even those intended for a vehicle that isn't covered on a Hagerty policy.
No inventories, schedules, appraisals or receipts required
$0 deductible on most losses
Blanket limits available, with up to $5000 in coverage per item
Fair market value, open perils, subject to exclusions
*Clients also have the option of increasing the basic limit of spare parts coverage already included in policy ($750). Only spare parts intended for the vehicle(s) covered on the policy are eligible for the increased limit of coverage.
These can be added to any existing Hagerty policy with ease.
Hazel M Woods
Personal Lines Manager
hwoods@fwins.com"
800-475-1000 (Ext. 221)
Fax (515)225-3872
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