2 Foremost Property Product Overview Distinct Choice Manufactured housing Dwelling Fire Owner Occupied, Vacants, Seasonals and Landlord Foremost Classic Owner Occupied CL and ACV
3 Distinct Choice Manufactured Home Policy Available Plus Policy ACV, but Optional Replacement Cost on Structures and Contents Platinum Policy Replacement Cost Coverage on Structure and Contents Both pay agreed amount in case of total loss! Two Packages:
5 Distinct Choice – Platinum vs. Plus Package
6 Distinct Choice – Platinum & Plus Package Discounts/Surcharges 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. Surcharges Auxiliary Heating Device Primary Farm/Ranch Use Type Secondary Use Type
7 Deductible Options & Liability Coverage Options Deductible Options $100 $250 $500 $750 $950 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
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.
Manufactured Home Quote Sheet 10
11 Foremost Classic Product Overview Classic CL Owner Occupied Credit - Loss History Classic ACV Owner Occupied Condition issues
12 Property – Dwelling Fire DF1 – Named Peril DF3 – All peril Marginal properties (Inspected) Ala-Carte HO policies Great for people with below average credit and loss history Landlords & Owner Occupied
Specialty Dwelling Quote Sheet 15
Family Boaters 16 Personal Watercraft
Foremost Boat Types 17
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 18
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 19
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 20
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 21
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 22 Personal Water Craft Discount Highlights
Boat & PWC Quote Sheet 23
Motorcycle and Off- Road Vehicle 24
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 25 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
Motorcycle and ORV Coverage Highlights 26
Motorcycle and ORV Coverage Highlights Continued and Discounts 27
Motorcycle and ORV Quote Sheets 28
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.) 30
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. 31
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. 32
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, well 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 its 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. 33
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 operators driving record of violations and at-fault accidents for the prior three years are considered in rating. 34
Travel Trailer 35
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 36
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.) 37
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. 38
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, well 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 its 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,
40 Travel Trailer Types
Product Information Page 41 Click here to go into ForemostSTAR
How to get into ForemostSTAR 42 Youll 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.
How to Start a Quote 43
How to Quote
How to Quote 46
How to Quote 47
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!
J.C. Taylor Insurance 66
J.C. Taylor Insurance – Collectible Auto Collectible Auto Market In 2007, its estimated that there are 3 million to 4 million collector cars in the United States. Its 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. 67
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. 68
J.C. Taylor Insurance – Collectible Auto 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 69 What can they insure?
J.C. Taylor Insurance – Collectible Auto 70 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.
J.C. Taylor Insurance – Collectible Auto 71 Modified Auto Program insures specialty vehicles: Street Rods Customs Modifieds Replicas Kit Cars Hot Rods Exotics Rare Vehicles Resto-rods
J.C. Taylor Insurance – Collectible Auto 72 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.
J.C. Taylor Insurance – Collectible Auto 73 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.
J.C. Taylor Insurance – Collectible Auto 74 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.
J.C. Taylor Insurance – Collectible Auto 75 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.
J.C. Taylor Insurance – Collectible Auto 76 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 ANTIQUE ( ) For Modified automobiles HOT RODS ( )
J.C. Taylor Insurance – Collectible Auto 77 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.
J.C. Taylor Insurance – Collectible Auto 78 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.
J.C. Taylor Insurance – Collectible Auto 79 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 For Modified automobiles, send applications and payments to: J.C. Taylor Modified Auto Agency, Inc. 320 South 69th Street Upper Darby, PA 19082