1. FARMERS SPECIALTY PRODUCTS
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2. Foremost Property Product Overview
Distinct Choice
Manufactured housing
Dwelling Fire
Owner Occupied, Vacants, Seasonals and Landlord
Foremost Classic
Owner Occupied
CL and ACV
Dwelling fire is ala carte
Classic is meant for full coverage homeowners – DF is more build you own.
Classic ACV is for marginal quality
Classic CL – (Credit & loss) – If a client has loss history and/or credit problems this good outlet for them versus the Farmers Fire product.
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3. Both pay agreed amount in case of total loss!
Distinct Choice Manufactured Home Policy Available
Two Packages:
Plus Policy
ACV, but Optional Replacement Cost on Structures and Contents
Platinum Policy
Replacement Cost Coverage on Structure and Contents
Replacement costs are only on the dwelling for the Platinum package. Replacement cost on the contents can be added to the both the Plus and the Platinum.
Both pay agreed amount in case of total loss!
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5. Distinct Choice – Platinum vs. Plus Package
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6. Distinct Choice – Platinum & Plus Package Discounts/Surcharges
• Auxiliary Heating Device
• Primary Farm/Ranch Use Type
• Secondary Use Type
Discounts
• Insureds age 50 or over
• Mobile homes located in Foremost approved park
• Homes 15 years old or newer
• Multi-policy discount - applicable when insured maintains
one or more voluntary personal auto, motor home,
homeowners, motorcycle, or qualifying life insurance policy
with any Zurich/Farmers/Foremost/Bristol West Group
insurer.

7. Deductible Options & Liability Coverage Options
$ 50,000/$500 Med. Pay to Others
$100,000/$1,000 Med. Pay to Others
$300,000/$1,000 Med. Pay to Others
$500,000/$1,000 Med. Pay to Others
Deductible Options
$100
$250
$500
$750
$950

8. Special conveyances – working on endorsement for higher values – targeting late 2010
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9. Special Limits
Special Limit for memorabilia and tools applies to all perils.
New special limit for vehicles or conveyances - $5,000.
Camper bodies, camper trailers or travel trailers are not covered.
Damage caused by insects or domestic household animals or pets is not covered.
Losses caused by freezing of plumbing, heating or air conditioning systems applies to non-vacant as well as vacant.

10. Manufactured Home Quote Sheet

11. Foremost Classic Product Overview
Classic CL
Owner Occupied
Credit - Loss History
Classic ACV
Owner Occupied
Condition issues
Classic ACV is for marginal quality
Classic CL – (Credit & loss) – is meant for full coverage homeowners. If client has loss history and/or credit problems this good outlet for them versus the Farmers Fire product.
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12. Property – Dwelling Fire
Landlords & Owner Occupied
DF1 – Named Peril
DF3 – All peril
Marginal properties (Inspected)
Ala-Carte HO policies
Great for people with below average credit and loss history

15. Specialty Dwelling Quote Sheet

16. Family Boaters
Personal Watercraft

17. Foremost Boat Types

18. Family Boaters Coverage Highlights
With a Foremost boat policy, customers can enjoy a wide range of standard and optional coverages including: • Agreed Value or Actual Cash Value settlement options (some restrictions apply) • Towing and Assistance covers breakdowns while on the water and if the trailer is disabled. • Coverage for Personal Property protects wearing apparel, sports and fi shing equipment, GPS and fi sh fi nders, and other personal property while on board or being carried on or off the vessel. • Medical Payments coverage for insureds and their guests while in, upon, boarding or leaving the boat. Also covers individuals being pulled on water skis, wake boards or tubes. • Uninsured Watercraft coverage • Physical Damage coverage • Liability coverage • Coverage to recover and protect the boat from further damage • Trailer coverage • Total Loss Settlement option for newer boats • Wreck Removal and limited Pollution coverage

19. Family Boaters Discounts
Foremost offers a variety of discounts that may save customers money on their boat policy. Depending on the state, these discounts can include:
• Multi-Unit for customers insuring more than one boat
• Multi-Policy for customers with additional Foremost or Farmers policies
• Prior Insurance
• Actual Cash Value
• Protective Device
• Boating Safety Course

20. Personal Watercraft Risk Groups
• PWCs up to 14’ in length • Operated on the navigable waters of the U.S. and Canada, including lakes/coastal waters up to 10 miles from the coast • Owned and operated by the insured and household family members or permissive users • Most Jet Ski® models • Most Wave Runner® models • From stand-ups to four-seaters

21. Personal Water Craft Coverage Highlights
The Foremost policy offers a wide range of standard and optional coverages, including: • Towing and Assistance covers breakdowns while on the water and if the trailer is disabled. • Uninsured Watercraft Bodily Injury provides coverage for bodily injury for accidents for which the insured is entitled to recover from an uninsured watercraft. • Accessory coverage for things like racks, windshields and additional permanent accessories that were not originally provided by the manufacturer. • Med Pay covers the insured and their guests for medical payments within one year of an accident that caused injury. • Trailer coverage protects the trailer specifi cally designed to transport the covered vessel. • Bodily Injury/Property Damage or Liability Only • Coverage to recover and protect the personal watercraft from further damage • Watersports Liability and Wreck Removal

22. Personal Water Craft Discount Highlights
To keep policies competitive, Foremost offers a variety of discounts that can save customers money on their premium. Depending on the state, discounts can include:
• Multi-Unit for customers insuring more than one personal watercraft
• Multi-Policy for customers with additional Foremost or Farmers policies
• Renewal
• Prior Insurance

23. Boat & PWC Quote Sheet

24. Motorcycle and Off-Road Vehicle

25. Motorcycle and ORV Risk Groups
Two wheel motorcycles including: • Cruisers • Touring bikes • Sport bikes • Custom cycles • Classic cycles Approved Three-Wheel motorcycles including: • Piaggio MP3 • Can-Am Spyder • Trike conversions Two- and three-wheel scooters and mopeds
Foremost accepts a wide range of popular
Off-Road Vehicles, including:
• Regular, sport and utility ATVs
• Dirt bikes
• Off-road motorcycles
• Standard and high-performance
snowmobiles
• Dune buggies
• Golf carts

26. Motorcycle and ORV Coverage Highlights

27. Motorcycle and ORV Coverage Highlights Continued and Discounts

28. Motorcycle and ORV Quote Sheets

29. Motor Home

30. Motor Home Risk Groups
• High-value and lower-value • Motor homes up to 45 feet long • New and older motor homes • Units titled in a corporate name • Units with multiple owners • Full-timers • Drivers over 70 (no surcharge) • Drivers with minor violations • Many types of conversion units • Super-luxury motor homes • Smaller family-oriented units • Certain RV tow vehicles (must have GVWR over 10,000 lbs.)

31. Motor Home Coverage Highlights
Comprehensive coverage for just about any direct, sudden and accidental loss, including collision, fi re, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
• Personal Property coverage applies to personal property loss that occurs either inside or outside the RV.
• Diminishing Deductible included without any premium charge. For each consecutive year the RV is insured by Foremost without a paid loss, we will reduce the deductible by 25%. Foremost renewal customers may have consecutive loss free policy years, so deductibles might be diminished already. (Not available in every state, deductible rate reduction may also vary.)
• Attached Accessories such as awnings and satellite dishes are covered.

32. Motor Home Coverage Highlights Continued
Attached Accessories such as awnings and satellite dishes are covered.
• Emergency Expenses coverage pays for lodging or travel home if the motor home is damaged by a covered loss more than 50 miles from home.
• Campsite/Vacation Liability coverage provides coverage when the RV is parked and being used as a residence.
• First Accident Waiver means driving records will not be surcharged for the first at-fault accident or minor violation.

33. Motor Home - Other Available Coverages
Total Loss Replacement coverage protects customers from the effects of depreciation. In the event that a new-model RV is damaged beyond repair within its first five model years, and it is still owned by the original owner, we’ll pay to replace it with a brand new one of similar kind and quality. This option can save customers literally thousands of dollars when compared to other policies that only pay Actual Cash Value (ACV) of the RV at the time it’s destroyed. Restrictions and qualifi cations apply.
• TraveLine® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. This valuable service is available 24 hours a day, 365 days a year throughout the United States and Canada.
• Full-Timer coverage provides liability protection very similar to a homeowners policy when the RV is parked and being used as a residence.

34. Discounts and Surcharges
Accident Prevention Course Discount for Operators Age
55 and Older: 5%
Multi-Policy Discount: 5%
Air Bag Discount: 15%
Anti-Lock Brakes Discount: 5%
Multiple Owner Surcharge: 75%
Motor Homes Titled in a Company Name: 10%
Driver Experience Surcharge:
An operator’s driving record of violations and at-fault accidents for the prior three years are considered in rating.

35. Travel Trailer

36. Travel Trailer Risk Groups
• High-value and lower-value
• New and older travel trailers
• Fifth-wheels
• Pop-up campers
• Luxury travel trailers
• Full-timers
• Truck-mounted campers

37. Travel Trailer Coverage Highlights
Comprehensive coverage for protection from just about any direct, sudden and accidental loss, including collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning.
Diminishing Deductible for each consecutive year the RV is insured by Foremost without a paid loss, we will reduce the deductible by 25%. The diminishing deductible is included without any premium charge. Foremost renewal customers may have consecutive loss free policy years so deductibles might be diminished already. (Not available in every state,
deductible rate reduction may also vary.)

38. Travel Trailer Coverage Highlights Continued
• Coverage for Attached Accessories such as awnings and satellite dishes. A special loss payment method applies to specified exterior parts (roofs, siding, etc.) of the travel trailer, giving owners more options.
• Emergency Expenses coverage that pays for lodging or travel home if the rig is damaged by a covered loss more than 50 miles from home.
• Campsite/Vacation Liability coverage that provides liability coverage when a travel trailer is used as a secondary residence.

39. Travel Trailer- Other Available Coverages
Total Loss Replacement coverage protects customers from the effects of depreciation. In the event that a new-model RV is damaged beyond repair within its first five model years, and it is still owned by the original owner, we’ll pay to replace it with a brand new one of similar kind and quality. This option can save customers literally thousands of dollars when compared to other policies that only pay Actual Cash Value (ACV) of the RV at the time it’s destroyed. Restrictions and qualifications apply.
Personal Property coverage applies to personal property loss that occurs either inside or outside the RV.
Full-Timer coverage provides liability protection very similar to a homeowners policy when the RV is parked and being used as a residence.
Fire Department Service coverage included up to $500.
Debris Removal coverage included up to $1,000.

40. Travel Trailer Types

41. Product Information Page
Click here to go
into ForemostSTAR

42. How to get into ForemostSTAR
You’ll need to sign up for a unique ID and password for
access to ForemostSTAR. Go to
the “Get Started” section and follow the links to sign up for your
ID and password.

43. How to Start a Quote

44. How to Quote

45. How to Quote

46. How to Quote

47. How to Quote

48. How to Quote

49. How to Quote It will also ask you for county and if Optional Equipment
exceeds $15,000.

50. How to Quote

51. How to Quote

52. How to Quote
This is an annual
Premium.

53. How to Quote
Print an Estimate from this screen or proceed to New Business

54. How to Input New Business

55. How to Input New Business

56. How to Input New Business

57. How to Input New Business

58. How to Input New Business

59. How to Input New Business

60. How to Input New Business
Prior to this screen
will verify Units one
more time

61. How to Input New Business

62. How to Input New Business

63. How to Input New Business
Have the client sign and
Retain for your records

64. Now you have completed a New Business Application!

65. Questions???

66. J.C. Taylor Insurance

67. J.C. Taylor Insurance – Collectible Auto
Collectible Auto Market
In 2007, it’s estimated that there are 3 million to 4 million collector cars in the United
States. It’s also estimated that this “niche” market is worth $3 billion in premiums.
The collector car market is massive, representing approximately 25 million interested
participants who follow sales and auctions and approximately 6 million who actually own
classic cars. According to Auto Trader Classics, the vast majority of the market is buying
and selling vehicles priced from $15,000 to $50,000. With this type of investment, your
customers may have a need that may have not been explored previously.

68. J.C. Taylor Insurance – Collectible Auto
What is an Antique and Classic Auto?
An antique auto is a vehicle that is 25 years and older.
A classic car is considered a vehicle 19 to 24 years old
Both the antique and classic vehicles must be in the original (or original restored) condition.

69. J.C. Taylor Insurance – Collectible Auto
What can they insure?
Muscle Cars
Convertibles
Coupes
Retractables
Station Wagons
Vintage Motorcycles
Woodies
Corvettes
Sedans
Steam Automobiles
Horseless Carriages
Light Trucks
Farm Tractors
Antique Delivery Trucks
Military Vehicles

70. J.C. Taylor Insurance – Collectible Auto
What is a modified Auto?
A modified automobile is simply a vehicle modified from its original condition.
Whether it's chopped, channeled, lowered, chromed, Frenched or flamed
or it's powered by a flathead, hemi, mouse motor, side oiler, Caddy or an Olds rocket,
the Modified Auto Program is the perfect fit.

71. J.C. Taylor Insurance – Collectible Auto
Modified Auto Program insures specialty vehicles:
Street Rods
Customs
Modifieds
Replicas
Kit Cars
Hot Rods
Exotics
Rare Vehicles
Resto-rods

72. J.C. Taylor Insurance – Collectible Auto
What do each of these mean?
Street Rod - A vehicle manufactured prior to 1949 whose body, chassis, engine
suspension or interior has been modified.
Customized/Modified - A vehicle manufactured after 1948, which is at least 20 years old and has been altered from its original condition.
Replicar - A commercially assembled reproduction of any motor vehicle at least 25 years old.
Kit Car – A representation motor vehicle at least 25 years old consisting of separately manufactured components that are assembled by the purchaser.
Exotic Vehicle – A motor vehicle that is considered to be increasing in value rather than depreciating because of its specific make, model year of manufacture and exceptional physical condition.

73. J.C. Taylor Insurance – Collectible Auto
Coverages & Specialized Coverages
Spare Parts Coverage - Up to $250 in spare parts is covered at no additional cost.
No Attendance Clause - Unlike other collectible auto insurers, we don't have an attendance requirement for loss settlement. That means you can bring your car to a show and not have to worry about a loss while you're walking around and enjoying other displays.
Agreed Value - To protect the value of your car, the "agreed value" on your policy should represent your vehicle's current market value. In the event of a total loss you will receive the full agreed amount less any applicable deductible.

74. J.C. Taylor Insurance – Collectible Auto
Eligibility & Resources for Antique and Classic
Automobiles are primarily used as hobby vehicles. This includes exhibitions, club activities, parades or other functions of public interest. Occasional pleasure drives are acceptable.
The minimum vehicle value is $2,000.
Eligible vehicles for this program are at least 19 years old and in original condition. If the body of the vehicle has been modified and/or the engine altered to increase speed, the vehicle may be eligible for the Modified program.
All vehicle operators must be at least 25 years of age and should have a good driving record with no more than one moving violation and one at fault accident within the last three years.
All vehicles must be kept in a locked, fully enclosed garage when not in use.
The underwriting mileage guideline is 2,500 miles per year but additional mileage requests are considered.

75. J.C. Taylor Insurance – Collectible Auto
Eligibility & Resources for Modified
Automobiles are primarily used as a hobby vehicle. This includes exhibitions, club activities, parades or other functions of public interest. Occasional pleasure drives are acceptable.
Racing is prohibited, as are vehicles with nitrous oxide or roll cages.
The minimum vehicle value is $3,000.
All vehicle operators must be at least 25 years of age and should have a good driving record with no more than one moving violation and one at fault accident within the last three years.
All vehicles must be kept in a locked, fully enclosed garage when not in use.
The underwriting mileage guideline is 3,000 miles per year but additional mileage requests are considered.

76. J.C. Taylor Insurance – Collectible Auto
How to Book Business
By Phone
J.C. Taylor has staff with expertise.
Call Monday-Thursday, 8:30 AM to 4:30 PM Eastern Time
Friday 8:30 AM to 4:00 PM Eastern Time
For Antique and Classic automobiles
1-888-ANTIQUE ( )
For Modified automobiles
1-877-HOT RODS ( )

77. J.C. Taylor Insurance – Collectible Auto
How to Book Business
Online
J.C. Taylor offers Foremost agents the ability to get quotes for Antique Auto policies on
The site now provides quoting capabilities, as well as downloadable applications and all necessary state-specific selection forms. Quotes, applications and state-specific selection forms for Modified Auto policies are also available on the site.

78. J.C. Taylor Insurance – Collectible Auto
How to Book Business
New Business
All applications, payments and claim submissions will be handled directly through J.C.Taylor.
Submit a completed application to J.C. Taylor with:
Payment for the estimated premium.
Photos of the collectible auto.
An appraisal if the car is valued over $30,000.

79. J.C. Taylor Insurance – Collectible Auto
How to Book Business
New Business Continued
About Photos: The Antique and Classic Program requires one color photo from a front corner view. The Modified Program requires four color photos; one rear angle view, one photo of the engine with the hood open, one front angle view and one interior view with the door open.
For Antique and Classic automobiles send applications and payments to:
J.C. Taylor Antique Auto Agency, Inc.
320 South 69th Street
Upper Darby, PA 19082
For Modified automobiles, send applications and payments to:
J.C. Taylor Modified Auto Agency, Inc.
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80. Questions???