apartments may 05 - Red Shield RSI Product Guide.pdf · 2015. 11. 25. · 2. Red Shield Restaurant & Liquor Questionnaire 3. Three Years of Currently Valued Company Loss Runs Liquor

2015

Our Strengths Providing individual risk underwriting by “thinking

outside the box” since 1979 Regionally owned and managed, with a focus on

solid underwriting results Strong financial positioning, with a long history of

combined ratios of less than 100% Solid relationships with top-rated reinsurance

partners who enable us to provide consistent products and fair rates

Exceptional service through personal evaluation ofeach risk, with responsive and fair claims handling

PRODUCT GUIDE

WINTER SEASONAL SHORT-TERM WINTER EVENT POLICIES…

MEETING THE NEEDS OF YOUR CLIENTS EVERY SEASON

General Liability at $350 Minimum Premium (3 months or less): • Christmas Tree Lots (no U-Cut) • Christmas Tree Light Installation • Holiday Craft Booths • Snow Removal

Inland Marine Coverage:

• Snow Removal Equipment • Seasonal Cargo Transportation (such as Christmas Tree haulers)

Highlights:

• No Deductible • $1,000,000 / $2,000,000 Limits • First Additional Insured included for permit or leased premises

Call us today at 800-527-7397 redshield.com

Submit to: [email protected]

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supersede and replaces any previous related general information.

Copyright © 2015 Red Shield Insurance Company®. All rights reserved. 11.25.15

http://www.redshield.com/

Restaurant Program F AM I L Y S T Y L E - C AF E S - D E L I S - W I N E & C H E E S E S H O P S

WITH LIQUOR LIABILITY (up to 50% in receipts)

Available in OR, WA, ID & UT

Property • ACV, RCV, Special and Basic Causes of Loss • $500 minimum deductible • Property Enhancement available including:

Ordinance or Law Extra Expense Spoilage Fire Department Service Charge Recharge Fire Extinguishers Inventory & Loss Adjustment Expense Detached Outdoor Signs Money & Securities

• Equipment Breakdown including: $25,000 Perishable

Goods with 12-hour deductible • Business Income

Family-style restaurants with a small bar within the restaurant are eligible.

Contact our Underwriting Department with any questions:

800-527-7397 or visit redshield.com

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supersede and replace any previous related general information.

Copyright © 2015 Red Shield Insurance Company®, All rights reserved. 10.21.15

General Liability • Up to $1,000,000 per Occurrence / $2,000,000

General Aggregate • Medical Expense up to $5,000 • Hired/Non-Owned Auto available (no delivery)

Email submissions to: [email protected] Submit with: 1. Acord Application 2. Red Shield Restaurant & Liquor Questionnaire 3. Three Years of Currently Valued Company Loss Runs

Liquor Liability (optional) • Up to $1,000,000 per Occurrence / $2,000,000 Aggregate • Liquor Receipts up to 50% of total receipts • Separate lounge/bar areas are not eligible


mailto:[email protected]

Pumpkin Patches, Corn Mazes and Craft Fairs!

RED SHIELD IS YOUR CARRIER FOR SHORT-TERM FALL EVENT POLICIES ($350 MINIMUM PREMIUM)

We do not write hayrides, train rides, bounce houses, haunted houses or other amusement rides.

Other Fall exposures we write (subject to $500 Minimum Premium):

Brush Removal Carpet Cleaning Chimney Cleaning Concessionaires

Landscape Gardeners (including lawn care) Reforestation Services Tree Pruning and Repairing

Obtain a rate indication thru our RSI (Rate Sample Indicator) by visiting our website at redshield.com and sign into the Producer Lounge. If it’s not one of our online ratable classes,

please submit to: [email protected]. Questions? Contact us at 800-527-7397

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlight provided herein supersede and replace any previous related general information.



mailto:[email protected].

Older Buildings

HAVING TROUBLE PLACING YOUR MIXED-USE BUILDINGS?

In addition to standard apartment buildings, Red Shield Insurance Company offers coverage for mixed-use older buildings (mercantile on main floor, apartment units on upper floor(s)).

Highlights:

• Special Form if 30 years or under and roof updated in last 25 years

• Special Form available on buildings over 30 years, with complete updates and acceptable photos

• Basic Form available if over 30 years with limited updates - wiring must be updated to circuit breakers, roof updated in last 25 years with acceptable photos

• RCV available with adequate limits (insured to construction value) and acceptable updates

• FBV (Functional Building Valuation) available on older buildings with adequate limits and acceptable updates

• Property Enhancement is available when Special Form is offered

• Equipment Breakdown Coverage is available

• Ordinance or Law Coverage is available

• General Liability to $1,000,000 per Occurrence / $2,000,000 General Aggregate

• Hired and Non-Owned Auto Coverage is available

Call us today at 800-527-7397

www.redshield.com


Copyright © 2015 Red Shield Insurance Co®. All rights reserved. 7.6.15


Unique & Unusual UNDERSTANDING THE LOCAL MARKET & THE NEEDS OF OUR CLIENTS

HELPS US IN PLACING THESE TYPES OF UNIQUE RISKS

A few of the local businesses we have found coverage solutions for are:SERVICES / PROFESSIONS

• Beer Tap Cleaners• Farriers• Fortune Tellers• Goats for Hire• Pet Sitters• Taxidermists• Window Decorators• Falcons for Hire• Brew Kettle Manufacturer• Restaurant Hood & Vent Cleaners• Worm Farmer• Local Dinner Theater

PROPERTY / TRANSPORTATION

• 12,000 lb. Idaho Potato• Beer Dispensing Unit• Motorized Cooler Mfg.• Miniature Train Rides• Office Caboose• Portable Showers for Firefighters• Public Art• Loggers’ Broad Form Coverage for a

Mushroom Picker• Race Car Simulator Game• Fleet of Delivery and Electric Tour Bicycles

Remember to give Red Shield a call for your uncommon risks! 800-527-7397 or visit www.redshield.com




Food Carts RED SHIELD HAS SERVED THE FOOD CART INDUSTRY

FOR OVER 15 YEARS Our long history with Food Carts puts us in a unique position to offer a

comprehensive Inland Marine and General Liability coverage combination for both mobile* and fixed-location Food Carts and fixtures.

*Operations of carts that are licensed for road use will warrant that separate auto liability coverage is in place. Minimum Policy Premium aslow as $450 for a "Package" of Inland Marine and General Liability.

Order Up!• General Liability limits up to $1,000,000 / $2,000,000

(Higher limits may be available if required by city, state or local government) • AAIS Inland Marine Scheduled Property Floater• Income and Extra Expense Coverage available• Enhanced coverages available with no deductible• Utilizing Inland Marine forms designed for mobile property rather than standard

property form

We also provide coverage for Special Events, Fairs, Coffee Kiosks, Catering Services and Seasonal Operations

For quick and easy turn-around: 1. Log into our Producer Lounge / go to Apps & Forms2. Complete our Food Vendor Application (only application required)3. Send to: [email protected]

Questions? Call us today at 1-800-527-7397! www.redshield.com


Copyright © 2015 Red Shield Insurance Co®, All rights reserved. 6.3.15



FIREWORKS STANDS Available in Oregon, Idaho, and Utah

Coverage

• $1,000,000 Occurrence / $2,000,000 Aggregate General Liability

• CG 2011 - Additional Insured/Managers or Lessors of Premises – included in minimum premium

• CG 2012 - Additional Insureds for permitting agencies - no charge

• Other Additional Insureds will be considered

Endorsements/Forms

• CG 2104 - Exclusion for Products/Completed Operations

• CG 2144 - Designated Premises Endorsement

Requirements

• Completed Acord Application

• $350 Minimum Premium

• Short term policy

Call us at 800-527-7397 Send submissions to: [email protected]

.




Rental Dwellings on Commercial Form

NO MINIMUM OR MAXIMUM NUMBER OF DWELLINGS

COVERAGE AVAILABLE IN IDAHO, OREGON, UTAH & WASHINGTON

We can write Individual’s, LLC’s, Corporation’s or Trust’s.

• Exterior needs to show pride of ownership

• Smoke and carbon monoxide detectors per code

• $1,000 minimum deductible applies to property coverage (no deductible on liability)

• Special, Broad & Basic Forms available

• Loss of Income available - on a coinsurance or monthly limitation basis

• Ordinance or Law Coverage is available for dwellings that qualify for Replacement Cost coverage

• Property Enhancement Endorsement available when Special Form is offered

• Non-Owned & Hired coverage and/or Washington Stop Gap coverage is available

• Equipment Breakdown is available

Contact us: 800-527-7397 / www.redshield.com






Spring has arrived! We are looking for above-average risks and experienced

new ventures in the following classes: Quote these online thru our Rate Sample Indicator (R.S.I):

For a quick & easy indication, check out our R.S.I. for these classes and more:

• Carpet Cleaning• Chimney Cleaning• Interior Painting• Janitorial Services / House Cleaning• Landscaping / Lawn Care*

(*Due to the Total Pollution Exclusion in Oregon, Lawn Care is now under the Landscaping class code 97047)• Tree Trimming and Removal• Window Cleaning• Yard Sprinkler Installation

Send these to [email protected] for a quote:

• Fence Erection• Fire Extinguishers Servicing• Pest Control (Not available in Oregon)• Pressure Washing flat surfaces and trucks• Reforestation• Seasonal Produce Transportation

• Septic Tank Systems Cleaning• Swimming Pool Installation / Service• Water Tenders for Wildfire Fighting

(Engine Tender Agreement)• Yard Cleanup

As a regional insurance company, we understand the local market. Contact your Commercial Underwriting Team at 800-527-7397 or www.redshield.com





Apartments PROTECTING YOUR BUILDING INVESTMENT

IN A CHALLENGING ECONOMY We want to write your Apartments and Mixed-Use Buildings!

Highlights

• Package or monoline policies• Traditional and mixed-use apartment complex(es)• Amenities: Swimming pools acceptable with required protection• Apartment complex values $5 million or less per location (higher limits considered)• GL limits to $1 million per Occurrence / $2 million General Aggregate

Options Available • Special Form and Replacement Cost are available for buildings under 25 years of age• Special Form and Replacement Cost are available for buildings > 25 years of age with updates to

roof, electrical, plumbing and HVAC• Broad or Basic Form and ACV coverage are offered to older buildings with partial updates and an

acceptable photo• Washington Stop Gap coverage available upon request• Property Enhancement Endorsement available when Special Form is offered• Equipment Breakdown coverage available• Hired / Non-Owned Auto coverage available• Ordinance or Law coverage available when Replacement Cost is offered

Requirements • Acord Application• Habitational Supplement Questionnaire (available in the Producer Lounge)• Send completed Acord & Habitational Supplement Questionnaire to: [email protected]

CONTACT US AT: 800-527-7397 / www.redshield.com Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supersede and replace any previous related general information.



Fire Extinguisher Floor Covering Installation Forestry Services Operations Hood & Vent Cleaning Inspection & Appraisal Co (No Professional) Janitorial Services Landscaping / Lawn Care (Pollution Exclusion in OR) Tree Trimming and Removal Window Cleaning

Alarm Installation Carpentry & Woodworking (Interior) Carpet Cleaning Chimney Cleaning Debris Removal Dry Wall or Wallboard Installation Custom Farming Fence Erection Contractors

Specialty Trade, Service and Artisan Contractors Look to Red Shield and you’ll find we’ve done all the heavy lifting for you and

built a contractor’s package with coverage all in one convenient policy.

Here’s a list of some of our favorite contractor classes:

General Liability · Property · Business Income Coverage · Equipment Coverage * Some classes may qualify for Installation Floaters *

Think of us for your contractor risks! We’ll quote package or monoline. Quick turnarounds by submitting Acord applications & contractors questionnaire to [email protected] or quote 13 classes of service contractors through our Producer Lounge: www.redshield.com .

We are here to assist you in determining eligibility. Call us at 800-527-7397.




http://www.redshield.com/spContractors.html


Builders' Risk (aka "Course of Construction")

• Residential or Commercial buildings

• Residential - new construction only

• Commercial - new construction and renovations / additions

• Policy can be written for contractor or owner

• Coverage available for a single project or on a reporting basis

• Short-term projects (fully earned premium may apply)

• Limits up to $10,000,000

• Soft Costs and Loss of Rents available

Required: Builders' Risk Application: www.redshield.com (log into the Producer Lounge)

Email completed application to: [email protected]

Questions? Contact us at: 800-527-7397

Brian Crist, Inland Marine Lines Manager

Leah St. John, Underwriter

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supercede and replace any previous related general information.

Copyright © 2014 Red Shield Insurance Company®. 12.02.14



WINTER RISKS SHORT-TERM WINTER EVENT POLICIES…MEETING THE

NEEDS OF YOUR CLIENTS

General Liability at $350 Minimum Premium for: • Christmas Tree Lots (no U-Cut)• Christmas Tree Light Installation• Holiday Craft Booths

Highlights: • $1,000,000 / $2,000,000 Limits• No Deductible• First Additional Insured included for permit or leased premises

Inland Marine coverage for: Snow Removal Equipment (we can also quote the GL) Seasonal Cargo Transportation (like Christmas Tree haulers)

Providing great service to meet the needs of your clients throughout the seasons.

Call us today at 800-527-7397 www.redshield.com





Logging & Contractors' Equipment

AVAILABLE IN: OR, WA, ID & UT

Remember, we are your regional Inland Marine coverage provider. Red Shield has insured logging equipment for more than

30 years, and we're in it to stay!

Coverages & Features Available:

Blanket or Scheduled policies, depending on size of schedule

Owned/Employee Tools

Equipment Leased/Rented From Others

Rental Reimbursement

Business Income Coverage

***Send in our Contractors & Logging Equipment Application***

(available in our Producer Lounge)

Loggers' Broad Form Property Damage coverage is also available, with $500,000/$1,000,000 or $1,000,000/$2,000,000 limits. We offer discounted premiums for Loggers' Broad Form PD when combined with supporting, desirable equipment or transportation business.

Contact our Commercial Inland Marine Department at 800-527-7397 www.redshield.com / [email protected]

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supersede and replacee any previous related general information.

10.16.14

Copyright © 2014 Red Shield Insurance Company®, All rights reserved.




Pumpkin Patches, Corn Mazes and

Craft Fairs! RED SHIELD IS YOUR CARRIER FOR SHORT-TERM FALL EVENT POLICIES ($350 MINIMUM PREMIUM)

We do not write hayrides, train rides, bounce houses, haunted houses or other amusement rides.

Other Fall exposures we write (subject to $500 Minimum Premium):

• Brush Removal• Carpet Cleaning• Chimney Cleaning• Concessionaires

• Landscape Gardeners(including lawn care)

• Reforestation Services• Tree Pruning and Repairing

Obtain a rate indication thru RSI (Rate Sample Indicator) by visiting our website at www.redshield.com and sign into the Producer Lounge. If it’s not one of our online

ratable classes, please submit to [email protected].

Contact us at 800-527-7397

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights

provided herein supersede and replaces any previous related general information.


Older Buildings HAVING TROUBLE PLACING YOUR

MIXED-USE BUILDINGS? In addition to standard apartment buildings, Red Shield Insurance Company offers coverage for mixed-use older buildings (mercantile on main floor, apartment units on upper floor(s)).

Highlights:

Special Form if 30 years or under and roof updated in last 25 years

Special Form available on buildings over 30 years, with complete updates and acceptable photos

Basic Form available if over 30 years with limited updates - wiring must be updated to circuit breakers,roof updated in last 25 years with acceptable photos

RCV available with adequate limits (insured to construction value) and acceptable updates

Property Enhancement is available when Special Form is offered

Equipment Breakdown Coverage is available

Ordinance or Law Coverage is available

General Liability to $1,000,000 per Occurrence / $2,000,000 General Aggregate

Hired and Non-Owned Auto Coverage is available




Mobile Home Park Insurance Program

Effective 2/01/14Avai lable in ID, OR, UT and WA

Eligibility Clubhouses and community centers No restrictions on park size Three or fewer property and/or general liability claims in the past 3 years May include a limited number of newer park-owned rental units for property and liability coverage

Highlights GL is rated on a per-pad basis rather than annual gross receipts No audits unless peripheral codes with an adjustable exposure basis

such as campgrounds are also used Special Form with Replacement Cost available for most property Special Mobile Home Park Endorsement available which includes:

o A provision that converts standard business income & extra expensefrom 80% coinsurance to ALS

o $2,500 per unit Abandoned Mobile Home Removal Expense/$25,000 annual maximum

o 1,000 feet perimeter extensiono $10K Money and Securities Inside, $5K Outsideo $10K Fidelity, $25K Accounts Receivable

Additional credits available for parks who are members of a qualifying Park Owners Association

Call us at 800-527-7937 or visit us at: www.redshield.com Send submissions to: [email protected]



Requirements

1. Completed Acord Applications

2. Supplemental applicationrequired and can be foundin the Producer Lounge:

Airplane Hangars COVERAGE AVAILABLE IN OREGON, IDAHO,

WASHINGTON AND UTAH

Highlights

• Privately owned Airplane Hangars

• Owner-occupied or tenant-occupied for both property and general liability

• Designated Premises Liability - Excluding Products / Completed Operations

Underwriting Requirements

• $1,000,000 / $2,000,000 limits

• No liability deductible• Smoke detection devices and fire extinguishers required

• Acord applications

• Send submissions to: [email protected]

Contact us today: www.redshield.com or at 800-527-7397 As always, our underwriters are here to assist you in determining eligibility.





Motor Truck Cargo & Contingent Cargo Liability

CLASSES: Owner-Operator

Fleets

On-Hook Towing

Courier / Delivery (maximum radius-300 miles)

Contingent Cargo for Freight Brokers

SAMPLE COMMODITIES:

Lumber, Steel, Building Materials

Containerized Freight (including Container as Cargo) Agricultural Products

Dry and Refrigerated Food Products

Autos Lower-Valued Machinery and Equipment www.redshield.com

Mobile Homes (newer than 15 years old) Livestock (no horses)

LIMITS - to $250,000 / Occurrence Risk must be domiciled in ID, OR, UT or WA

Contact us today at 800-527-7397 Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supersede and replace any previous related general information.


Destination = Summer Fun! Whether you like the comfort of the familiar or the lure of

adventure, summer is the time to follow your passion.

Dining out – restaurants, cafes, delis, wine shops, catering and food carts

Hospitality – hotels, motels, bed & breakfasts and vacation rentals

Indoor events – rental halls, wedding chapels and movie theaters

Inland Marine for outdoor events – riggers’ liability, equipment coverage, installation andexhibition floaters

Mobile Home Parks

Outdoor activities – RV parks, campgrounds and bait shops

Shop ‘til you drop – smaller shopping centers, strip malls and mixed-use buildings

Your home on the water – yachts, floating homes and boathouses

Think of us for your community, hospitality and recreation-related risks!

We'll quote package or monoline Get quick turnaround by using our applications - log into the Producer Lounge:

www.redshield.com

As always, our underwriters are here to assist you in determining eligibility. Please do not hesitate to contact us to talk about the risks you have.

Call us at: 800-527-7397

Send submissions to: [email protected]


Copyright © 2014 Red Shield Insurance Co®. All rights reserved. 5-13-14

Vacation Rental Homes

COVERAGE AVAILABLE IN OREGON, IDAHO, WASHINGTON AND UTAH

Considerations & Highlights Value of home should be at least $200,000

Lower-values may be considered on an individual basis

We prefer a local management company with rental prescreening criteria, after rental cleaningservice and bi-monthly walkthroughs during off-season; or a caretaker or rental cleaning servicewill be considered

Hot tub maintenance required

Protection Class 8 or lower

Photos required

Smoke, carbon monoxide detectors and fire extinguishers as required per code

Special Form and Replacement Cost available

Property Enhancement available

Equipment Breakdown available

$1,000 minimum deductible

LLC or Partnership acceptable

Send Acord applications to: [email protected]

Contact us today to determine eligibility or to discuss other risks you have: 800-527-7397



www.redshield.com

Transportation Insurance PROTECTS INSUREDS WHO SHIP OR RECEIVE GOODS BY

MOTOR CARRIER, RAIL , A IR OR OWNED VEHICLES

Highlights Shippers sometimes assume that they are fully protected against cargo loss under the terms of their bill of lading or because carriers for hire are required to have cargo liability coverage. Owners of goods in transit need their own transportation insurance for the following reasons:

Broader Coverage – the carrier for hire is normally exempt from liability for loss or damage due tocertain causes, such as Acts of God, shippers’ fault/negligence, spoilage, or acts of public authority.

Full Recovery – if the shipments are made subject to released value bills of lading, the carrier’s liabilityis limited to nominal amounts. This could result in a protection gap for the shipper; i.e., the difference between the carrier’s liability and the actual amount of the loss.

Carrier Liability – the carrier’s cargo liability insurance may be insufficient for the value of the load.The carrier’s policy may also have been cancelled or non-renewed, unbeknownst to the shipper.

Carrier Stability – a carrier’s ability to pay deductibles or damage claims may be impaired by its financialcondition.

Faster Reimbursement – the insurance company pays the shipper and then assumes the burden of collectingfrom the carrier.

Shippers who use their own vehicles to transport property need transportation insurance because they have no opportunity for risk transfer, other than possible recovery from an at-fault driver in a collision. Property in transit is subject to virtually all of the perils at fixed locations, plus collision, upset / overturn, loading / unloading, etc.

RED SHIELD’S INLAND MARINE DEPARTMENT CAN HELP YOU WITH TRANSPORTATION RISKS

Call us at 800-527-7397 or online at www.redshield.com


Copyright © 2013 Red Shield Insurance Company® All rights reserved. 10.23.13

Crafting the very best A Portfolio of Coverages from Red Shield Insurance Company

for Artists, Artisans, Craftspeople and Fine Arts

INLAND MARINE COVERAGE

Inland Marine coverage for fine arts for corporate and individual collections, historical societies,historical museums, art dealers & brokers and galleries

Inland Marine coverage for large-scale art installations coverage - permanent and on exhibit(exhibition and installation floaters)

COMMERCIAL COVERAGE

Monoline, Packages & Short-Term Policies

Commercial Package policies for artisans - woodworking shops, ornamental metalworking shops,sculpture studios, pottery and glass art studios. Premium savings when you package General Liability, Property, and tools/equipment including, Equipment Breakdown!

Retail storefronts - art galleries, arts and crafts stores, hobby shops

Short-term liability policies available for seasonal booths at craft fairs, street fairs and art gatherings

Insuring hard work & creativity for over 34 years

KEEPING IT LOCAL!

Email submissions to: [email protected] Contact us today: www.redshield.com or at 800-527-7397

As always, our underwriters are here to assist you in determining eligibility.



Restaurant Program F A M I L Y S T Y L E - C A F E S - D E L I S - W I N E & C H E E S E S H O P S

WITH LIQUOR LIABILITY (up to 50% in receipts)

Available in OR, WA, ID & UT Property Up to $5,000,000 per policy

$500 minimum deductible

RCV, Special Causes of Loss available

Property Enhancement available on special form

Equipment Breakdown including: $25,000 PerishableGoods with 12- hour deductible is available

ACV and Basic available

Theft coverage available

Business Income available

Ordinance or Law coverage available

Liquor Liability (optional) No separate lounge/bar area

Up to $1,000,000 per Occurrence / $2,000,000 General Aggregate

Liquor receipts up to 50% of total receipts

$500 minimum premium per location

Contact our Underwriting Department with any questions: 800-527-7397 or visit www.redshield.com



General Liability Up to $1,000,000 per Occurrence / $2,000,000

General Aggregate

Medical Expense up to $5,000

Hired/Non-Owned Auto available (no delivery)

For Fast, Efficient and Outstanding Service, Email submissions to: [email protected]

Submit with: 1. Acord Application

2. Restaurant & Liquor Questionnaire

3. Three Years of Current-Value Company Loss Runs

Family-style restaurants with a small bar within the restaurant are eligible.

Loggers Broad Form Property Damage

A VA ILA B LE I N O R , WA , I D & U T Our new Loggers Broad Form product is designed to meet the needs of small loggers and forestry related service providers such as surveyors, road builders, re-planters, log haulers, communications lines contractors and equipment maintenance contractors.

Basic Eligibility Guidelines: Minimum of 3 years in business or excellent, demonstrable prior experience Less than 25% of operations sub-contracted is preferred; higher percentages considered Acceptable Loss Runs Completed Loggers Broad Form Property Damage application Verification of in-force General Liability coverage (not with Red Shield)

Coverage: Fire Suppression Expense incurred by others Property Damage to timberlands owned by others and in your care, custody and control Property Damage from loading and unloading to Non-Owned Autos Additional Insured endorsements available, if required by written contract

Limits: $500,000 occurrence / $1,000,000 aggregate or $1,000,000 occurrence / $2,000,000 aggregate

Minimum Premium: Varies by type of operation and limit requested

We can also quote your contractors’ equipment and cargo exposures. We provide discounted minimum premiums for Loggers Broad Form when combined with supporting inland marine coverage.

Contact Laura Ticer at Red Shield or call (503) 226-4146 for more information.



Coming Soon... (effective 3/1/2013)

New Yacht Policy from Red Shield Insurance Company

The Insurance Policy for the Northwest Boater

NEW HIGHLIGHTS INCLUDE THE FOLLOWING COVERAGES

Consequential damage Your tender's boat trailer Kayaks, rowboats, windsurfers and paddleboards Zebra Mussel damage Environmental damage, including fines and penalties 10 years discovery of latent defects from date of original construction Underinsured Vessel coverage in addition to Uninsured Vessel coverage Clarified that onboard social consumption of alcoholic beverages does not exclude coverage Overland transit for your tenders Your vessel's equipment in storage is now covered for 150 days 10% added to your agreed vessel value if it is necessary to replace your new boat after a total loss

For more information, ask your agent to obtain a no obligation Red Shield Insurance Company quote, which will give you the opportunity to fully appreciate how our updated policy is designed to fit you,

the Northwest Boat Owner.

Call us today at 800-527-7397 www.redshield.com Note: This bulletin is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The bulletin provided herein supersede and replace any previous related general information.


Courier Program Red Shield offers Motor Truck Cargo coverage for courier and delivery services, including owner operators

Coverage Limits up to $25,000 any one vehicle

Deductible $500-$1,000 depending on commodities

Maximum 300 mile radius

Premium includes loss payee or certificate to parent company

Optional Personal Property Coverage Extension available to qualified risks

Guidelines Designed for private passenger and box trucks/vans

Hot shot/pick-up truck operations are not available for this program

MVRs are subject to underwriter approval - driver surcharge or exclusion may apply

No target commodities

For fast, efficient and outstanding service - submit our completed Motor Truck Cargo Application

(under apps & forms tab located on our website) to [email protected]

Questions?

Contact Laura Ticer, Inland Marine Lines Manager at:

1-800-527-7397 or visit us at www.redshield.com



Contingent Cargo Liability Freight Broker, Freight Forwarder, or Motor Carrier? How can you tell?

One of the realities of the transportation industry is that it can get confusing out there! Trucking firms often run multiple and varied operations, and they call themselves and these operations by many names. From a legal standpoint, it’s not so much how they label themselves as how they hold themselves out to the Shipper.

One of the simplest analogies of a true Freight Broker is to that of a travel agent. When you want to take a vacation, you contact a travel agent to arrange your transportation. The travel agent books the tickets with the airline in your name, you pay the travel agent for the tickets, he pays the airline and takes his commission. At that point, you have a ticket issued by the airline that stipulates their liability in the event of loss – for instance, to your luggage. If your luggage is lost or damaged, you don’t go after your travel agent for reimbursement; you work directly with the airline, because that is who your legal contract is with.

In the case of Contingent Cargo, the Motor Carrier actually transporting the freight is who signs the contract with the Shipper, be that a Bill of Lading or other shipping document. By doing so, the Carrier may be liable for the loss depending on the contract language. The Broker is simply the one who arranges the transportation, like the travel agent. Unlike a Freight Forwarder, he never takes physical possession of the property. This is why the Broker’s Contingent Cargo rates are typically 25-35% of primary rates.

Subject to the terms and conditions set forth in the policy, Contingent Cargo may respond with defense and/or indemnity in the event:

Carrier's Insurance has been canceled or non-renewed without the Broker’s knowledge Carrier's insurance limits are insufficient to cover the total loss Loss is excluded under the terms of the Carrier's insurance policy

Red Shield is your market for Contingent Cargo Liability!

REQUIRED: Contingent Cargo Legal Liability Application (fillable PDF can be found onwww.redshield.com Copy of the Broker's contract with the Carriers to whom they broker loads

Contact: Laura Ticer, Inland Marine Lines Manager at 800-527-7397

www.redshield.com

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supersede and replace any previous related general information


Inland Marine Coverages

We offer more than 30 Classes of Inland Marine Coverages

Bailee Processor Floater Builders’ Risk Catering Equipment Contingent Cargo Contractors’ Equipment Docks and Piers Exhibition Floater Fine Arts Galleries / Collections Installation Floater Loggers Broad Form Property Damage Logging Equipment

Miscellaneous Property Floater Mobile Medical Equipment Motor Truck Cargo Musical Instruments On-Hook / Towing Photography Equipment Riggers’ Liability Sales Representative Floater Sports Equipment Transportation Floater Warehouse Legal Liability

Red Shield is not a market for Mini-Storage or Household Goods Operations, Residential Renovations, Monoline Tools, Jewelers’ Block, Furriers’ Block, Dry Cleaners, Target or High Hazard Commodities.

Contact: Laura Ticer, IM Manager 800-527-7397

www.redshield.com Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supercede and replace any previous related general information.

Copyright © 2012 Red Shield Insurance Company, All rights reserved. 1.25.12

Are You Using the RSI? R.S.I. (Rate Sample Indicator) provides a quick indication of premium costs for many of our Specialty Contractor

classes (highlighted in red below). It’s simple, easy and efficient!

Look for the calculator icon in the Producer Lounge on our website.

Alarm Installation - 91127 (Excluding Professional)

Carpentry Interior - 91341 (Cabinet Installation & Finish Work Only)

Carpet Cleaning - 91405 Chimney Cleaning - 91481 Debris Removal Contractors - 91629 Farm Machinery Operations (By Contractors) - 94225 Fence Erection Contractors - 94276 Fire Extinguishers (Servicing, Refilling or Testing) - 94304 Floor Covering Installation - 94569 Forestry Service Operations – 43822 (Including Water Tenders, Reforestation, Road Building, Timber Cruising, Tree Thinning,

Brush Removal, Cleanup & Maintenance)

Inspection & Appraisal Companies – 96317 (Excluding Professional)

Janitorial Services - 96816 Landscape Gardening – 97047 (Excludes Backflow Testing)

Lawn Care Services – 97050 Painting, Interior - 98305 Pest Control Services - 43470 (Excluding Professional)

Septic Tank Systems (Cleaning) - 98805 Sewer Cleaning - 98813 Sign Erection, Installation or Repair - 98993 Sign Painting & Lettering - 99003 Inside Buildings, 99004 on Buildings/Structures Snow and Ice Removal - 99310 Sprinkler Installation - 94444 (Underground)

Swimming Pool Installation - 99506 Above Ground, 99507 Below Ground Tile, Stone, Marble – 99746 (Interior Construction)

Tree Pruning, Dusting, Spraying, Repairing,Trimming – 99777 (No Logging/Lumbering Operations)

Window Cleaning – 99777 (No Pressure Washing Operations)

IMPORTANT NOTE: Some classes may be subject to our Exterior Building Envelope Exclusion.


Copyright © 2012 Red Shield Insurance Company®, All rights reserved. 1-19-12

Miscellaneous Property Floaters

RED SHIELD 'S INLAND MARINE DEPARTMENT IS HERE TO HELP

Available for:

Contemporary Art Dealers and Artists Food Carts and Catering Equipment Commercial ATVs/Snowmobiles, including rentals Sound Equipment & Musical Instruments for Professional Musicians, Sound Engineers & DJs Sporting Equipment and Similar Property for Adult Leagues

Signs Commercial Photography Equipment

Contact: Laura Ticer, IM Manager: 800-527-7397

www.redshield.com

Note: This highlight of coverage is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The highlights provided herein supercede and replace any previous related general information.



Winter is Closing In! Autumn colors are a reminder of colder weather to come as well as the bittersweet marking of the end of summer boating season. Now is the time to prepare your yacht for winter. Winterizing is a prudent step for protecting your investment and readying your yacht for the next season.

WINTERIZING CHECKLIST Check coolant for the proper antifreeze Use only marine-approved heating devices (not all UL approved devices are for use in marine environments) Upgrade or add extra dock lines to provide chafing protection Have a sufficient quantity of fenders of the correct size and type Secure winter covers Top off fuel tanks Consider fuel additives if ethanol blend is used Close all through-hulls, with the exception of cockpit drains and install covers or plugs on exhaust ports to minimize

potential for Muskrat damage. (Leave a reminder by the helm to open the through-hulls before starting the enginesnext season.)

Tighten hose clamps and check that all through-hulls are double clamped

Consider removing the following items for dry storage Tenders (motors and fuel) Spare propane containers Ship’s papers

Bimini tops, sails and other canvas Old or unused food items from galley Excess equipment

Do a final cleaning and pump out the holding tank Check bilge pumps for working float switches, and remove any debris from the bilge that could interfere or clog pumps Fill and charge batteries Turn off batteries Close valves on any propane tanks Leave locker doors open to promote good ventilation of interior spaces If you leave your boat with shore power, clean any corrosion from the power cord plugs, and make sure it is firmly

attached and secured

Note: This bulletin is only intended for general information. Specific coverages, conditions and exclusions are given in the policy contract itself. Please review the policy for specific details. The bulletin provided herein supersede and replace any previous related general information.

Copyright © 2011 Red Shield Insurance Company® All rights reserved. *12-01-11*

Installation Floaters O N E O F T H E M O S T M I S U N D E R S T O O D A N D U N D E R S O L D

T Y P E S O F I N L A N D M A R I N E C O V E R A G E

This floater is designed to cover material, supplies, machinery, equipment and fixtures during installation. It includes transit to the job site and storage while at the job site, or at a temporary location. If your insured is installing something that will become a permanent part of a construction project, and is responsible for it until it is installed, then an Installation Floater is needed.

The covered property can be the Insured’s materials or the property of others in the Insured’s care, custody or control. Additional coverages include debris removal, emergency removal, contract penalty, pollution cleanup, testing and transit.

Remember that Business Personal Property under the ISO Commercial Property Form covers only the Insured’s Personal Property within 100 feet of their premises described in the declarations.

If your insured is installing HVAC equipment, production machinery, alarm or sprinkler systems, or even a swimming pool, then an Installation Floater is needed.

Installation Floaters can be written for a specific job or on a blanket basis.

Call today at 800-527-7397

www.redshield.com


Copyright © 2011 Red Shield Insurance Company®, All rights reserved. 10-26-11

Your Floating Property Coverage with Red Shield…

A FEW "WHAT IFS" TO THINK ABOUT

Here are a few of the coverages which differentiate Red Shield’s Floating Property Insurance from other carriers:

What if you want or need to move your floating home? Our policy allows for movement of yourfloating home to a new slip in the same moorage by a towing service - all we ask is that you informus within 30 days of the move.

What if the floating home breaks away? Our policy provides coverage for a variety of the thingsthat can go wrong if your home escapes its slip, including resulting: water damage, stranding,sinking and/or collision.

What if there is a flood? Our policy provides coverage for flood.

What if a log floats down the river and pierces the floor of your home? Our marine policy willrespond to damage caused by floating debris as a “peril of the sea”.

What if you have to move your floating home to a new location to avoid damage or preventfurther damage? Our marine policy forms include additional coverage for “sue & labor”.

Examples of claims paid to our Insureds:

The floating home took on water due to a covered cause of loss Flood carried home downriver and sank Debris from the river caused damage which caused the floating home to list A speeding boat caused a large wake which broke windows and

cracked sheetrock

Most homeowners policies will not cover ANY of the above claims for damages. Get the protection you need now. Go to www.redshield.com

and click on ‘AGENT LOCATOR” to find a local agent in your area.

You can rest easier knowing the strength and expertise of Red Shield is there for you. We have more than 25 years of experience writing Floating Homes in

the Northwest and are locally owned and managed.



Optional - Property Enhancement Endorsement Available for Commercial Property - Special Form - ONLY

Effective 01/01/2011

The following schedule is a summary of the increased Limits of Insurance and Additional Coverages available to you under the Property Enhancement Endorsement, CF 2001 for an additional premium of $50.00

Additional Coverages Limits of Insurance

Fire Department Service Charge $5,000

Employee Theft $5,000

Lock and Key Replacement $2,000

Arson Reward $5,000

Recharging of Fire Extinguishers $2,000

Inventory and Loss Adjustment Expense $2,500

Ordinance or Law 5% of Building Limit to $10,000

Extra Expense $5,000

Back-Up of Sewers and Drains $5,000

Spoilage $2,500

Coverage Extensions

Personal Effects and Property of Others $5,000 ($2,500 per Person)

Valuable Papers and Records $5,000

Property Off Premises including Transportation $10,000

Outdoor Property $5,000 ($500 per Tree Plant or Shrub)

Accounts Receivable $25,000

Outdoor Signs – Detached $2,500

Electronic Data Processing Hardware, Data and Media $5,000

Electronic Data Processing Extra Expense $5,000

Money and Securities $2,000 (In and Out)

Providing individual risk underwriting by “thinking outside the box” for the past 31 years.

Regionally owned and managed, with a focus on solid underwriting results.

Strong financial positioning, with a long history of combined ratios of less than 100%.

Solid relationships with top-rated reinsurance partners who enable us to provide consistent products and fair rates.

Exceptional service through personal evaluation of each risk, with responsive and fair claims handling.

This Schedule Summary is intended to be a general description of coverage. Specific coverage, conditions and exclusions are given only in the policy contract itself. The information proved in this flyer updates and supersedes all prior flyers on this subject.

For Marketing Information contact Jim Brown

[email protected]

1-800-527-7397

Visit us at www.redshield.com

1411 SW Morrison St. Suite 400 Portland, Oregon 97205-1945

Phone: 800-527-7397 Fax: 800-742-5172

01.01.11

12.07

RED SHIELD

For Marketing Information Contact Jim Brown [email protected]

1-800-527-7397

Red Shield Insurance Company Announces a New

Installment Billing Plan

Effective 03-01-07 for new business and 4-01-07 for renewal business, policyholders may take advantage of our new installment plan!

Policyholders may choose between Two Options: 20% down with 8 payments 20% down with 10 payments

Just submit a check or money order for the minimum down payment

Then select the payment type by checking the corresponding box on the remittance slip

The 1st Payment is due one month after policy inception

Balance may be paid off at any time without penalty

Payments are on the same day of the month as the effective date on the policy

3rd party outside financing is no longer needed

It’s Simple, Fast, No Additional Paperwork!

KNOWLEDGE ● COMMITMENT ● RELIABILITY ● SERVICE

1411 SW Morrison St, Suite 400 Portland, OR 97205-1945

Installment Plans Available in OR, WA, ID & UT

Premium 20% Down Balance for Installment

Plan # of

Payments Monthly

Payment

$500.00 $100.00 $400.00 8 $56.00

10 $46.00 $1,000.00 $200.00 $800.00 8 $107.00

10 $87.00

$1,500.00 $300.00 $1,200.00 8 158.00

10 128.00

$2,000.00 $400.00 $1,600.00 8 $209.00

10 $169.00

$4,000.00 $800.00 $3,200.00 8 $413.00

10 $333.00

$6,000.00 $1,200.00 $4,800.00 8 $617.00

10 $497.00

$10,000.00 $2,000.00 $8,000.00 8 $1,025.00

10 $825.00$20,000.00 $4,000.00 $16,000.00 8 $2,045.00

10 $1,644.00

$350.00 $.70.00 $280.00 8 $41.0010 $34.00

www.redshield.com

12.07

RED SHIELD INSURANCE COMPANY®

For Marketing Information Contact Jim Brown [email protected]

1-800-527-7397 visit us at www.redshield.com

Here is some exciting news regarding our NEW INSTALLMENT BILLING PLAN

It’s Simple

Our installment plan’s flexibility gives your clients more control by allowing them to make monthly payments and the ability to budget for their premium payments on an 8 or 10 pay basis. All they have to do is choose an option, make the required down payment, and continue to make the monthly payments.

◘ No more forms to complete◘ There are no more contracts for the insured to sign

More Specific Highlights

◘ When you bind coverage on new business, you will receivea bind confirmation that identifies the billing option (8 or 10pay) and the required down payment.

◘ Please make sure you get the down payment to us on time◘ We will send direct notice of cancellation if the payment is

not received by the specified date◘ To receive the best service, please send a copy of the bind

confirmation with your payment

If you have questions, please contact our Accounting Department.

Our appetite is growing, we provide local service, an admitted market, and regional expertise for your needs.

1411 SW Morrison St. Suite 400 Portland, Oregon 97205-1945

• Boilers and fired pressure vessels

• Unfired vessels (hot water tanks, air tanks, cookers,

process vessels)

• Refrigerating and air conditioning, vessels and piping

• Piping (steam, air, etc.)

• Electrical motors, generators and other rotating

electrical equipment

• Centrifugal compressors, pumps, fans, blowers

• Reciprocating compressors, pumps, internal

combustion engines

• Turbines

• Gears, gear sets

• Miscellaneous machines (paper machines, hydraulic

presses, extruders, production machines)

• Transformers

• Miscellaneous electrical apparatus (switchboards, cables,

bus ducts, circuit breakers)

• Air Conditioning units, small refrigerating and

compressing units

AND CAUSES

• Rupture/bursting/cracking due to overpressure, control

failure, low water level, overheating

• Rupture/bulging/cracking due to overpressure, thinning of

metal, vacuum collapse

• Cracking/rupture due to vibration, support failure

• Rupture/cracking due to vibration, support failure

• Electrical burnout/burned bearings due to line surge,

excessive moisture, brittle insulation, ventilation problems

• Electrical burnout/burned bearings due to

misalignment, loss of lubrication, overspeed

• Cylinder/shaft damage/rod or valve breakage due to

liquid slugging, contaminated oil, seizing

• Blading/shaft/jacket/frame damage due to shroud ring

failure, imbalance, progressive cracking, and overspeed

• Broken teeth/burned bearings due to vibration,

misalignment, metal fatigue, contaminated oil

• Breaking of moving parts/frame damage due to metal

fatigue, thinning of parts under pressure

• Electrical burnout, line surge, excessive moisture,

overload, dirty environment

• Electrical burnout, line surge, excessive moisture,

overload, dirty environment, loose connections

• Refer to comments above related to particular

components of the units: motors, etc.

EQUIPMENT BREAKDOWNPROTECTION

A Comprehensive

Guide to Boiler &

Machinery Insurance

EQUIPMENT CAUSE OF LOSS

All too often, when Boiler & Machinery is considered, only Boiler & Property Damage exposures get insured. A quick glance at this Equipment and Coverage

Guide will show how many other exposures may have been overlooked. Red Shield has one of the most up-to-date comprehensive coverages in the industry

and can provide the total coverage needed for your customers. Use this guide to determine the needs of your customers today and call us. If you have a

business you do not see on our list, we can help with that, too.

TYPE OF ESTABLISHMENT

x

x

x

x

x

x

x

x

x

x

x

x

x

x

x

x

Usually Found

Occasionally Found

Potential Coverage Needed

Hea

ting

Boi

lers

Hig

h P

ress

ure

Boi

lers

Pre

ssur

e Ve

ssel

s(n

on-p

roce

ss)

Pro

cess

Ves

sels

Air

Con

ditio

ning

E

quip

men

t

Ref

riger

atio

n E

quip

men

t

Mot

ors,

Gen

erat

ors

Tran

sfor

mer

s

Ele

ctric

al A

ppar

atus

Pum

ps, C

ompr

esso

rs

Eng

ines

, Tur

bine

s

Pro

duct

ion

Mac

hine

ry

Bus

ines

s In

terr

uptio

n

Spo

ilage

(c

onse

quen

tial d

amag

e)

Ext

ra E

xpen

se

AND MACHINERYOTHER

COVERAGENEEDS

BOILER (PRESSURE VESSELS)

Apartment Buildings

Arenas

Artist & Drafting Supply

Barber Shop

Bars and Taverns

Book Store

Churches

Coffee/Tea/Spice Shop

Condominiums

Convenience Store

Country Clubs

Drug Store

Dry Cleaner

Florist/Greenhouse

Furniture Store Under 10,000 sq. ft.

Gift Shop

Hotels

Machine Shops

Marinas

Medical Offices

x

x

x

x

x

x

x

x

x

x

x

x

x

x

x

x

x

xx

x

x

x

x

x

x

x

x

xx

xx x

x x

AT-A-GLANCE EQUIPMENT AND COVERAGE GUIDE

Hea

ting

Boi

lers

Hig

h P

ress

ure

Boi

lers

Pre

ssur

e Ve

ssel

s(n

on-p

roce

ss)

Pro

cess

Ves

sels

Air

Con

ditio

ning

E

quip

men

t

Ref

riger

atio

n E

quip

men

t

Mot

ors,

Gen

erat

ors

Tran

sfor

mer

s

Ele

ctric

al A

ppar

atus

Pum

ps, C

ompr

esso

rs

Eng

ines

, Tur

bine

s

Pro

duct

ion

Mac

hine

ry

Bus

ines

s In

terr

uptio

n

Spo

ilage

(c

onse

quen

tial d

amag

e)

Ext

ra E

xpen

se

AND MACHINERYOTHER

COVERAGENEEDS

BOILER (PRESSURE VESSELS)

Usually Found

Occasionally Found

Potential Coverage Needed

Geographic location and variations within a type of business may affect the type and scope of equipment a business may have.

* Examples: Machine Shops, Hardware, Cutlery, Electrical Fixtures, Locks, Paper Boxes.

x

x x

x

x

x

x

x

x

xx x

x

x x

x

x

x

x

TYPE OF ESTABLISHMENT

Motels

Non-Profit Buildings

Offices and Office Buildings

Real Estate

Restaurant

Retail/Store NOC

Shopping Centers

Stores

Warehouse

x

This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicablepolicy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individualinsureds meeting our underwriting qualifications and to state availability.

© 2008 Red Shield Insurance Company. All rights reserved. CP-6941 New 12-08

xx

Contact Info

Red Shield Insurance Company

1411 SW Morrison Street, Suite 400

Portland, OR 97205

Ph. 800.527.7397

Fx. 800.742.5176

www.redshield.com

AT-A-GLANCE EQUIPMENT AND COVERAGE GUIDE

1411 SW Morrison St. Suite 400 Portland, OR 97205-1945

2.19.10

A. Equipment breakdown coverage is not (just) about insuring clients with boilers.

A major misconception about equipment breakdown coverage is that habitational and retail risks only need coverage if boilers are present. If your client has a boiler, they receive boiler inspections and coverage as part of their premium. If not, you might think no equipment breakdown coverage is needed. What’s the real story? Consider this statistic:

Historical Incurred Direct and Indirect Equipment Breakdown Losses for Habitational and Retail Buildings (US$)

Businesses stay “up and running” with broad equipment breakdown coverage at a very affordable price.

Businesses pay a heavy price when uninsured breakdowns lead to unplanned repair costs, lost business and disaffected customers. The good news is broad coverage is avail-able to your clients at a very affordable price. It costs pennies a day in premium to protect thousands of dollars worth of equipment and reve-nue - a small price to pay for peace of mind.

Read the following examples that impact habitational and retail businesses everyday.

Restaurants As a result of a single electrical phase imbalance, a freezer compressor, refrigeration compressor, ceiling fan, time clock and ice machine were all damaged at a family owned restaurant. All the covered equipment was replaced, and food was also lost due to spoilage. The restaurant was forced to close for three days to install a new electrical panel.

Loss: Property Damage - $11,900 Business Income - $4,000 Spoilage - $7,300

In another case, a short circuit damaged a microbrewery’s point-of-service computer ordering and fulfillment system. The seven-year-old system was replaced because repair parts for the insured’s antiqued hardware were no longer available. Sales also dropped significantly because the manual ordering work-around limited the number of transactions and reduced customer service quality and patron turnover during peak dining times.

Loss: Property Damage - $26,000 Business Income - $6,000

A water heater overheated and ruptured due to a control failure and a malfunctioning relief valve. The building also suffered water damage.


Nearly 3 of every 4 equipment breakdown losses are not boiler related.

Do your non-boiler clients have the liquidity to self-insure the remaining 75% of their risk?

THE ABC’S OF EQUIPMENT BREAKDOWN COVERAGE

KNOWLEDGE COMMITMENT RELIABILITY SERVICE

For Marketing Information contact Jim Brown [email protected]

1-800-527-7397 Visit us at www.redshield.com

Note: This flyer is intended only to be a general description of coverage. Specific coverages, conditions and exclusions are given only in the policy contract itself.

Providing individual risk underwriting by “thinking outside the box” for the past 31 years.

Regionally owned and managed, with a focus on solid underwriting results.

Strong financial positioning, with a long history of combined ratios of less than 100%.

Solid relationships with top-rated reinsurance partners who enable us to provide consistent products and fair rates.

Exceptional service through personal evaluation of each risk, with responsive and fair claims handling.

Service Stations An air receiver, with a compressor mounted directly on the tank, had to be removed from service due to cracking from vibration.

Loss: Property Damage - $4,750

Hotels An incoming voltage surge resulted in the failure of both the communication and environmental control systems.


Manufacturing Firms A 1000-kva transformer failed due to a supply line switching surge. A rental unit was located within two days and used until the owned transformer was rewound.


Apartments Two exposed wires came in contact inside a breaker box of an eight-unit apartment complex. The connection resulted in a power surge that damaged two multi-unit air conditioning units. Both air conditioners required replacement.


B. CYS - Cover Yourself by offering equipment breakdown coverage to all your clients.

We’ve reviewed the stats. We’ve read the examples. It’s clear the exposure is there. Now protect your clients and your E & O by offering equipment breakdown coverage. Red Shield is here to help.

C. This step is even easier than ABC.

We will offer equipment breakdown coverage on all eligible risks. Please contact your Red Shield Insurance Company underwriter with any submissions or questions.

2.19.10

Documents

apartments may 05 - Red Shield RSI Product Guide.pdf · 2015. 11. 25. · 2. Red Shield Restaurant & Liquor Questionnaire 3. Three Years of Currently Valued Company Loss Runs Liquor