eB&T :: User Centered Design Group Iteration 1 Requirements 1 · Retrieve key Siebel information (customer, opportunity, etc.) for use in U/W & Pricing processes Retrieve Class Guide

August 29, 2007

Underwriter Desktop ProgrameB&T :: User Centered Design Group 1

Iteration 1 Requirements |

Iteration 1 Requirements

Version 1.0 :: Site Map 1 of 30

A. Account Management1. Release 1.0 CoreIntegrate with user profile/account information to provide access to users assigned to a particular account

2. Release 1.0 PriorityProvide a summary of appetite for risk across P&C to facilitate cross-sell

3. Release 1.0 (Nice to Have)Provide a summary of account history - prior submissions, premium, losses

B. Analytic/Operational Metrics1. Release 1.0 PriorityProvide underwriting results & data to data-marts & leverage standard extraction/reporting tools to answer such questions as

1) Identify risks written where U/Wdeviated from standard guidance2) Identify risks written beyond authority 3) Capturing reasons for referrals

Data will be available for analytic purposes through data-marts. Enable linkage with other data sources, such as premium & loss

2. Release 1.0Pricing monitoring to provide management with after the fact results on achieving pricing objectives

C. Centralized Data Collection, Access & Maintenance1. Release 1.0 CoreLocation will be treated as a core data element leveraged throughout the entire U/W processRetrieve external account information (i.e. D&B) including operations, financial, classification (SIC, NAICS) required for Risk ScoringCreate a snapshot of information associated with the decision at key decision points (e.g. Loss Control Download, Declination, Quote, Bind, etc)Retrieve existing internal loss & claim information from claim data warehouse/CIWebCapture external claim information (similar to renewal hub) for other carrier loss informationRetrieve CLA data (limits, exposure, class codes, construction, etc.) for use in U/W & Pricing processesRetrieve key Siebel information (customer, opportunity, etc.) for use in U/W & Pricing processesRetrieve Class Guide data for use in U/W & Pricing processesRetrieve New Business Submission/underwriting data (limits, exposure, class codes, construction, etc.) for use in U/W & Pricing processes

Enable ability to perform field validation on user entered information.

2. Release 1.0 PriorityRetrieve external location CAT Hazard information including EQ, Wind, FloodRetrieve internal location CAT Capacity information including EQ, Wind, FloodRetrieve Terrorism Zone & Capacity info from CatRMUtilize mapping software to provide the ability to analyze CAT Hazard & Capacity exposuresIntegrate internal claim information (including adjuster notes) to complete internal loss detail for individual lossesProvide aggregated loss picture of the account including internal & external losses, e.g. Frequency, annual LOB losses, large losses, etc

3. Release 1.0 (Nice to Have)Retrieve/prefill auto/VIN information

D. Comprehensive Risk Evaluation Solution1. Release 1.0 CoreA single question bank containing dynamic U/W questions which enable U/W, LC, and pricing questionsSystem generated questions based on individual risk characteristics, U/W intensity rules & programUser generated questions to address key exposuresConsolidate, develop, and deploy common (non industry specific) questions, rules and alerts/tasks for 5 major lines of business.Develop a consistent approach and guidance on documenting exposures, controls, pricing summary and referral information. Information will be captured throughout the U/Writing lifecycle eliminating the need to capture information towards the end of the process (replaces RED)Capture underwriting narrative throughout the underwriting process in order to capture the unstructured aspect of underwriting decisioning.

2. Release 1.0 PriorityExtend the question bank to enable LC specialists to complete a LC survey. Include prefill of survey with known information and report while offline.Consolidate, develop, and deploy knock out rules questions to aid pre-qual and directing risks to proper business within P&C (i.e High Hazard GL to IR.)Consolidate, develop, and deploy Loss Control questions, rules and alerts/tasks.Apply underwriting rules to flag referrals based on authority and risk characteristicsApply Underwriting Intensity rules (Loss Control Guidelines) to determine if loss control is necessary for a given account, as well as determine the optimal Loss Control priority (pre-quote, post issue, etc.)

Apply Underwriting Intensity rules (Loss Control Guidelines) to determine if loss control is necessary at renewal time, as well as determine the optimal Loss Control priority (pre-quote, post issue, etc.) Automatically order renewal loss control survey early enough in the process to ensure the loss control report is completed pre-quote.Integrate Next Generation CAT Capacity ToolIntegrate Next Generation Gross Earnings ITV ToolProvide access to launch U/Writing tools: Costimator, RPre-Fill underwriting tools with appropriate data: NFL/AAL - Wind Calculator. Leverage CatRM AAL Service

3. Release 1.0 (Nice to Have)Integration of LC into Risk Evaluation - bringing in information collected by LC to Underwriting Risk Evaluation process. Upload and integrate L/C survey into underwriting documentation Keep copy of report as is. Prequote -> update account file with relevant data and notify U/W. Post Quote -> notify U/W and upload answers as part of the file.

Apply U/W Intensity rules to determine the best data source for answering U/Writing questions (e.g Agent, Loss Control, UW, etc.

E. Content Management1. Release 1.0Make Training Content (point & click) available through DesktopMake online help available through Desktop.

Consolidate MMSC site with UW Manuals into a single repository with common look and feel, search capabilities.Update CSR best practices, process guidelines. Integrate into same web content repository.Update and integrate Loss Control reference materialLeverage web publishing capabilities to enable business owners (publishers/editors) to write/update content without IT engagementEstablish/Update standard templates so that content is presented in a consistent manner.

F. Integrated New Business and Renewal processes1. Release 1.0 CoreSupport Middle Market Programs, Key Accounts, Marine (Property only), Technology Practices (X Tech E&O)Renewal Hub - Existing capabilities within Renewal Hub will be retained (and extended)"Roles based" desktop for three key roles (UW, UA, LC). Other desktop users will utilize either one of the three key or a single generic fourth role.Seemless transition to risk score and pricing models - strategic solutionAccount 'Home' Page summarizing lines, premiums, status, key issuesLine of Business ' Home' Page summarizing coverages, exposures, mix, key issues. Ability to drill to locationLine of business detail schedules, location info, exposure bases, etc. Drill down from summary level.Provide a single consolidated view of Risk Evaluation and Essential Services tasks

2. Release 1.0 PriorityProvide desktop links to all Manuals, Industry Websites, QAT Guidelines, Smart Card, Pipeline Mgmt et

G. Sales1. Release 1.0 PriorityEnable U/W to capture pertinent information on submissions that assist in determining best opportunities (prompts/questions for less experienced U/WsEnable U/W to capture current carrier, key issues with current program etc. Also enables capture of final disposition (successful carrier, reason, etc.) Assuming we are leveraging Siebel capabilities, esp on current/successful carrier.

H. Task and Workflow Excellence1. Release 1.0 Core

Develop assignment framework that can assign tasks to the appropriate users based on risk, account, transaction, etc. characteristicsGenerate Tasks/Alerts based on individual risk characteristics. Includes risk evaluation checklist based on risk characteristics and segment guidelines QAT guidelines.

Implement essential services tasks to be generated by the system based on risk characteristics. Remove essential services tasks from Siebel.Provide access to user profile throughout the desktop experience in order to control permissions, display role appropriate views, verify authority, etc.

Develop single repository for a particular desktop user's profile including: contact information, permissions, authority, roles, relationships

2. Release 1.0 PrioritySupport the AST unit with work assignment, structured process flows, workload and status monitoring leveraging Business Process Mgt tools. )

Leverage BPM for initial UA Review and prep of submission including initial go/ no go decisionLeverage BPM to assign, prioritize, and track rating requests from UA to Rating Unit.

3. Release 1.0Referral - Create structured process which facilitates capturing reason for referral, directing to proper referral person, and provides notification on status to all parties.Referral - Create structured process enables follow up on key issues and approval subject to follow-up

I. Mid Term (e.g. Risk Alerts, Audit Alerts, Lg Loss Alerts)1. Release 1.0 PriorityImplement mid term data capture to specifically identify key issues which need addressed at renewal.

J. Policy Services1. Release 1.0 CoreEnable desktop user's to be able to execute Risk Evaluation activities on endorsement activity that requires underwriting.

K. Rules Management1. Release 1.0 CoreProvide access to rules framework for key HO team members, so that current rules can be understood.

L. Task and Workflow Excellence - Task Generation1. Release 1.0 CoreGenerate ad-hoc manual tasks as needed by all user's.

M. UW Quality Analysis1. Release 1.0 PriorityIncorporate QAT reviews into the underwriting file..

N. Strategic Pricing Core1. Release 1.0 CoreProvide ability to view and use saved versions of pricing results based on variations in data, program, coverages, etc.(for an individual risk)Transfer finalized models into the Calculation platform and automatically apply future changes to models.Calculation Platform consisting of calculation rules and pricing modelImplement Existing Models in new platform – WCPMImplement Existing Models in new platform - MM Account Score/Risk ScoreEnable model changes to be implemented easily within a short time frame for routine table updatesConsistent look and feel including standardization of navigation, data input screens, and pricing output screens

2. Release 1.0 PriorityLookup facility enabling ad hoc searches for appetite based on multiple SIC and/or TerritoriesPre-fill pricing models with all available data collected by Underwriting. Eliminate redundant data entry and reduce redundant data updates.

1) CLA2) CDR3) Underwriting Desktop

Present Pricing Results - UDP/SiebelEnable model changes to be implemented easily within a short time frame for changes in calculations where new data is not required

3. Release 1.0 (Nice to Have)Provide "What-If" analysis capability based on variations in data, program, coverages, etc.(for individual risk)Strategic Pricing Solution - Regulatory Pricing DocumentationProvide a comprehensive pricing structure recommendation that utilizes state credit/debit rules and company deviations to guide the underwriter in applying pricing factors appropriately.Appetite is decoupled from pricing. Appetite will be determined by risk characteristics such as: SIC code, state, class, coverage, CAT, etc.Implement Segment Agnostic LOB Models – WCPre-fill pricing models with all available data collected by Underwriting. Eliminate redundant data entry and reduce redundant updates:

1) Siebel/hartsoure2) Claims3) 3rd Party Data (e.g. Experian).

August 29, 2007


Siebel |

Siebel


August 29, 2007


Home |

Home


06/01/07 Monoline Workers Compensation AccountsIn order to help in improving WC Mix, we have compiled a list of Monoline WC Accounts to help you in marketing the supporting lines early in the renewal process.

06/01/07 Property Choice – Policies Without Equipment Breakdown CoverageCurrently there are approximately 1500 Property Choice renewal policies within Key Accounts and Marine that exclude Equipment Breakdown coverage. In an effort to increase our Equipment breakdown penetration to 100%, we will message Siebel to “Cross Sell Equipment Breakdown Covg.”

05/29/07 Fire Legal LiabilityThe revised Fire Legal Liability CLUM provides clarification on the coverage available under Property and GL Choice. Underwriting guidelines have been provided for how and when increased limits of liability may be provided on GL Choice, and also when Property Choice is the preferred method of providing coverage. A summary chart of underwriting options is provided.

05/28/07 APPLE Scores CorrectedOn 4/16/07, the 3Q Apple Reports were released with incorrect information. Many Middle Market Renewal Scores developed for July 2007-September 2007 were in error.

05/28/07 Food & Beverage Re-Entry InitiativeWe would like to inform you of the status of the Food & Beverage Re-Entry Initiative, and the results of the pilot.

05/26/07 12 State Work Comp StrategyJust a reminder of which states are included in our 12 State Work Comp Strategy: NY, CT, VA, WI, DC, TX, MI, MO, MN, IN, MD, COThe predominant risk state, or the state with the largest work comp premium, has to be on these twelve.

View Archives

Welcome, Joe Underwriter

- Forms/DocumentsDocument nameDocument nameDocument name

- LinksLink nameLink nameLink name

My Links

Date Subject 06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name

Add New Note

Search

Enter search term

Go >

My Notes

My Accounts Sales Reports

1 New Business Sales UW view would default to the “Sales” tab Renewal UW view would default to “My Work” tab” Does there need to be a Home tab in addition to these? If so what would be on it? Assumption (Rowena agrees) is that there will not be an additional “home” page – home would be whatever is the user default start page (screen which shows when you log on where you manage your desk/day)New: A home page will be created that houses such things as “what’s new” and access to outlook; a user can change their default start page

Overall – need to reconcile the prototype with the scope

2

3

4

My Work

My Profile | Help | Alerts

Home1

What’s New

06/01/07 2007-26Workers Compensation West Virginia Interstate Experience Modifications.

06/01/07 2007-25Spectrum Traditional: Changes to Spectrum Lawyers Professional Liability in New York

06/01/07 2007-24Select Customer - Spectrum Xpand Umbrella Coverage - New York (Addendum #2)

View Archives

Bulletins

eMail

Secure access to you e-mail.

Check Mail >

August 29, 2007


My Accounts |

My Accounts


06/01/07 IPC Valve Manufacturing 250,000 12/01/06 New P,WC Millenium Corp Sol06/01/07 Grossman’s Hardware 230,000 11/01/06 New A,GL,P Industrial Insur Agcy05/20/07 Dick’s Sporting Goods 275,000 12/15/06 Pricing A,GL,P Lockton Ins Brokers Yes05/20/07 Boscovs 222,000 10/01/06 Pricing A,GL,P,WC Orion Risk Mgmt Ins05/20/07 Carvel 250,000 12/01/06 Pricing A,GL,P Latter Ins Agcy05/20/07 Danny’s Fashions 200,000 11/01/06 Pricing A,GL,P Braely & Wellington05/20/07 Devendorf Shoes 230,000 09/01/06 Pricing A,GL,P,WC BB&T Ins Svcs Inc05/20/07 Carrier Corp 250,000 10/15/06 Pricing P Nesbitt & Assoc05/20/07 Clifford Alarm Systems 275,000 12/01/06 Pricing A,GL,P CD Whitney Agcy05/20/07 Cornerstone Fence 220,000 11/01/06 Pricing P,WC Burns & Cotter, Inc05/20/07 Fast Systems 250,000 08/15/06 Quote A,GL,P,WC Mackintire Ins Agcy05/20/07 Choco Inc 240,000 12/15/06 Quote GL,P Arthur J Gallagher05/20/07 Gabrielli Honda 234,000 12/01/06 Quote A,GL,P Ed R Bearden Ins05/20/07 Carlisle Industries 255,000 10/01/06 Risk Eval A,WC Nesbitt & Assoc Yes05/20/07 Johnson Hardware 235,000 12/01/06 Risk Eval A,GL,P AIC Insur Agcy05/20/07 Steel Mart 255,000 11/15/06 Risk Eval A Assoc Community05/20/07 Red’s Convenience Stores 225,000 12/01/06 Risk Eval A,GL,P AIC Insur Agcy05/20/07 Quaker Valley Plastics 220,000 09/01/06 Risk Eval GL,P The Insurance Ctr Yes05/20/07 Wool Designs 250,000 12/15/06 Risk Eval A,GL,P Lockton Ins Brokers06/01/07 IPC Valve Manufacturing 250,000 12/01/06 New P,WC Assoc Community06/01/07 Grossman’s Hardware 230,000 11/01/06 New A,GL,P Millenium Corp Sol05/20/07 Dick’s Sporting Goods 275,000 12/15/06 Pricing A,GL,P Latter Ins Agcy Yes05/20/07 Boscovs 222,000 10/01/06 Pricing A,GL,P,WC CD Whitney Agcy05/20/07 Carvel 250,000 12/01/06 Pricing A,GL,P Burns & Cotter, Inc05/20/07 Danny’s Fashions 200,000 11/01/06 Pricing A,GL,P Orion Risk Mgmt Ins05/20/07 Devendorf Shoes 230,000 09/01/06 Pricing A,GL,P,WC Nesbitt & Assoc05/20/07 Carrier Corp 250,000 10/15/06 Pricing P Arthur J Gallagher05/20/07 Clifford Alarm Systems 275,000 12/01/06 Pricing A,GL,P CD Whitney Agcy05/20/07 Cornerstone Fence 220,000 11/01/06 Pricing P,WC Orion Risk Mgmt Ins05/20/07 Fast Systems 250,000 08/15/06 Quote A,GL,P,WC BB&T Ins Svcs Inc05/20/07 Choco Inc 240,000 12/15/06 Quote GL,P AIC Insur Agcy05/20/07 Gabrielli Honda 234,000 12/01/06 Quote A,GL,P Braely & Wellington05/20/07 Carlisle Industries 255,000 10/01/06 Risk Eval A,WC Burns & Cotter, Inc Yes05/20/07 Johnson Hardware 235,000 12/01/06 Risk Eval A,GL,P Arthur J Gallagher05/20/07 Steel Mart 255,000 11/15/06 Risk Eval A Nesbitt & Assoc05/20/07 Red’s Convenience Stores 225,000 12/01/06 Risk Eval A,GL,P Mackintire Ins Agcy05/20/07 Quaker Valley Plastics 220,000 09/01/06 Risk Eval GL,P CD Whitney Agcy Yes05/20/07 Wool Designs 250,000 12/15/06 Risk Eval A,GL,P Lockton Ins Brokers

My Accounts

- Forms/DocumentsDocument nameDocument nameDocument name

- LinksLink nameLink nameLink name

My Links

New policies are not being underwritten in South Carolina at this time, pending Storm Florence. Learn More

Date Subject 06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name06/01/07 Note name

Add New Note

Note de

tail (p

op-u

p)Add

note

(pop

-up)

Search

Enter search term

Go >

My Notes


1New Business Sales UW view would default to the “Sales” tab Renewal UW view would default to “My Work” tab” Does there need to be a Home tab in addition to these? If so what would be on it? Assumption (Rowena agrees) is that there will not be an additional “home” page – home would be whatever is the user default start page (screen which shows when you log on where you manage your desk/day)New: A home page will be created that houses such things as “what’s new” and access to outlook; a user can change their default start page

Global (appears on every page)Need to define what the user can search – content, docs, accounts, etc.

Global (appears on every page)Users have the ability to add “favorite” links to 3rd party resources and documents

Appears on applicable pages – contextual based on the level you are on, e.g. at this level the notes would be global, as the user drills into an account the notes would be related to that specific account

Will we need a “Notes” summary page to see all notes?We will need a notes summary page, however there needs to be some way to filter rather than sorting through 40 pages of text (this is the way it shows to day if they print the report)Highlighting a row will change the content of My Notes to account specific notes

Appears on applicable pages – contextual based on the level you are on, e.g. at this level the alerts would be general, as the user drills into an account the alerts would be related to that specific account

If there are no alerts the box would not appear

Comment from Rowena – could be a scrolling alert bar like in Siebel

Per Rowena –Account NameWP (what does this stand for, Premium?) Changed to PremiumLOBs w/ hover text showing Policy number & associated premiumAgencyAlerts – Y/NEliminate Opportunity score

Links to Account Overview (see page 2)

Links to appropriate lifecycle (last completed step) tab under My Account

2

2

33

4

4

5

6

My Work

Hover:

View

Policy

#

General alert message…...

XAlert

Account specific alert message

XAlert

7

8

8

Received Account Name Premium Eff Date Status LOB Agency Alerts

13UUNTI1234, $120,00012WENTI1234, $130,0007

6


!5

My Accounts >

50 of 500 > Next 50 Accounts

Question from architects: Does the UW ever need to “View All Accounts” (like Siebel)? Yes, we will need to show

Lockton Insurance Brokers of San Diego, 72165451

Hover: View fu

ll name/number

Links to agency

detail

Home1

4

August 29, 2007


Account Overview |

Account Overview


Account OverviewIPC Valve Manufacturing

My Accounts > IPC Valve Manufacturing

Account Overview Evaluate Risk Price Risk Quote Issue

Rate AccountDecline Account

Opportunities: 2

Master Classification:Valves Mfg. – Metal (59892)Class Description: additional detail

SIC: 3492 - Industrial Valves

CPID:

Property 0/01/2007 4 6 Sup .85 $24,000 $25,000 Yes

General Liability 0/01/2007 3 7 Avg .85 $24,000 $25,000

Auto 0/01/2007 3 7 High .85 $24,000 $25,000 Yes

Worker’s Comp 0/01/2007 3 5 Marg .85 $24,000 $25,000

Umbrella 4

Line of Business Overview

LOB Eff Date App HC Score Obj Exp WP Init Man WP Alerts

+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >

1

My Accounts Sales ReportsMy Work

9

Account Classification2

5

2

This tab is a dropdown. See page 4, Account Overview: Review Losses, for dropdown contents

Account ClassificationWhere does this info come from? Information in this box is generated from Siebel: MM Account Score &

Class Guide viewsValves Mfg. – Metal (59892) Links to the class guideShort class description with a link to the detailed class description (PAAS) SIC code prefills from D&B website (system performs a SIC code lookup); Per Rowena, assuming we do

not need to show any of the MSI info; 3492 - Industrial Valves links to http://www.osha.gov/pls/imis/sic_manual.display?id=744&tab=description?

CPID was added here (rather than within the LOB overview as suggested) b/c it doesn’t vary by LOB, would only show for Specialty Programs

List out all classes on the account (can be up to ~ 30)User has the ability to update this information; “Update” takes the user to the Class Guide, here they can

save/refresh

Nature of OperationsAdded, similar to Renewal Hub (same as Risk Description) & RED

Account HistoryAccount specific alerts. Alert information has been moved to an “Account History” box. This information

would give the UW the heads up that this account has been previously submitted/written, giving the user the ability to see whether a different agent is involved now.

The button allows the user to see the entire account history = snapshot fed from Siebel (see account/opportunities view; there would be more detail than is currently available in Siebel) (See Renewal Hub: Subsequent Year Renewals)

NOTE: Should contacts be moved to the right & accessed as secondary info to save space?Account Contacts

User has the ability to update this information; Assume this information comes from Siebel (Iteration 1?)Missing information is indicated in some way at the field level as well as showing up in the missing info

box, see #13

Agency ContactsUser has the ability to update this information; Assume this information comes from Siebel (Iteration 1?)

Account TeamUser has the ability to update this information; Assume this information comes from Siebel (Iteration 1?)

Exposures/ControlsCheck renewal hub to see if exposure info is listed & if so how According to Venki it is not, moved account level exposure information per Rowena; This information is not available in Renewal Hub, here it shows as the result of answering the Account Level UWQ; User has the ability to update this information (by re-answering the UWQ)

Line of Business OverviewLinks take user to the LOB detail page, e.g. page 6, Risk Evaluation: Auto Question – should the LOB

line item even show if it is not applicable? Question/Comment from Rowena to business: Do we really need both Mods displayed? UW don’t need to see both (don’t care what it is called) (See MM Account Score) Eliminated Mod to Match & Renamed the one that displays “Obj” (name is per Rowena)

Hovering over the LOB name allows the user to view the policy informationIf LOB is not submitted/written, e.g. Umbrella, only HC will display, this will tie into account management,

e.g. does business have an appetite for certain LOBs What action can the user take??Pop-up box with alert detail; “Yes”: Class level alerts (links to Class Code within the Class Guide); Type

of alert (e.g. Wind) was eliminated b/c they are class guide driven there could be many; “yes” allows user to see all LOB class level alerts if they exist

Refer Account button takes user to a new page – referral form, could be a pop-up (see RED for sample referral reasons) Jim T says system should handle referral (referral DB), e.g it does not have to be a user action so button removed (outstanding question how is the user notified?) Clarification from business: user needs to have the ability to manually refer

Decline Account New page/form? This will link to an input box (today it is a word template); system should know contact name so the only thing that needs to be input is the reason – generates word doc; changed declination reason type to a dropdown instead of freeform text box

Rate Account button creates an activity for the UA (new page/confirmation?) Question from Rowena: is this going to allow the UW to do a RRQ (rapid re-quote) or is CLA still going to be separate

My Notes Contextual notes list, e.g. account specific notes (roll up to my accounts page – see page 3)

My Tasks Contextual task list, e.g. account specific tasks. User has the ability to create new tasks (different from activities?) and check off tasks when they are complete How long do they persist when checked off (see Outlook as an example) Assume tasks can be created by the system as well as by the user. Must they complete them? Can the system check off if it knows the task has been completed?

Documents Contains account documentation

Missing Information Contextual missing info list, e.g. account specific (rolled up). User has the ability to update & save information via a pop-up dialogue box, see #3

5a

Other classes on the account:Class 1Class 2Class 3Class 4

4

6

8

9

10b 10c

10a


ManagementOverall Attitude: Very open to rec’sSafety Program: Formal safety program in

operationExp in Industry: 10+ years

Exposures/Controls

Update

Update

3

Refer Account10a

10b

11

Date Document 05/20/07 Accord Application06/01/07 Supplemental Application

Documents

Date Description 06/01/07 Web Address

Missing Information

Account web address:

XUpdate Missing Information

www.ipcvalve.com

Save Changes >

14

13

Home

1

Date Created Task Name Complete? 06/01/07 Task 1

06/01/07 Task 2

06/01/07 Task 3

Tasks

Create New Task >

√

√

View All Tasks

12

State specific reason(s) for declination

XDecline Account

Generate Letter

Account was written in 2005-06 policy term (policy # XXXXXXX) for X agency.

Account History

8

View Entire History

13UUNTI1234, $120,00012WENTI1234, $130,000

Date Subject 06/01/07 Note name06/01/07 Note name06/01/07 Note name

Add New Note

My Notes11

12

TerrorismCategory: LowTIV/Life Safety: 20 vehiclesComments: Operations & locations

are not a terrorism concern

Cyber ExposuresE-commerce ID (1-5): 1Cyber ID (1-3): 1

The nature of operations is …….

Nature of Operations

4

Update

3

Insured Address:Minnow CourtSacramento, CA 95833-0112

Contact:Jean Smith, position X

Account Contacts

Ph: (914) 922-4700Web:Email: [email protected]

Update

Producer: Judith MillerPh: (916) 922-4701Fax: (916) 922-4702Email: [email protected]

Placer: Tom GolisanoPh: (916) 922-4734Fax: (916) 922-4733Email: [email protected]

NoCal Ins Grp (42354)VIP agency2005 WP: $5.2 million2006 WP

Objective: $6.7 millionYTD: $2.5 million

Hit Ratio: 40%Prof Score: Meets annually

Agency Contacts

Update

5a

5

6

Underwriter: John SmithUACSR

Account Team

Update

7

7

10c

13

14

August 29, 2007


Account Overview: Review Losses |

Account Overview: Review Losses


My Accounts > IPC Valve Manufacturing > Review LossesSearch

Enter search term

Go >


Year Earned Premium Total Incurred Paid Losses Total Claims Open Claims Val Date

2003-2004 $65,000 1

2004-2005 $40,000 $11,000 $0 1 12/12/2003

2005-2006 $45,000 $10,000 $25,000 1 1 03/07/2004

2006-2007 $1,100,000 2

TOTALS $145,000 $41,000 $18,500 4 1

LOB Loss Date Incurred Paid Open Comment

WC 11/4/2000 $40,000 $29,306 $10,694 Employee was standing in the mud, fell backwards & injured their knee. Medical & minimal loss time case that is due to close

WC 7/7/2000 $35,138 It is difficult to determine what is open/paid. Employee has skin cancer on forehead/cheel/chest.

Losses Over $25,000

Loss Summary

Frequency/Severity

+ Forms/Documents

+ Links

My Links

Review LossesIPC Valve Manufacturing

3

1 Account Overview dropdown. As a user reviews/completes each step a check will appear (similar to tax software) – user still has the ability to go back at any time, NOTE: “Review Pricing” page was removed, this information would show on the Quote Detail page

Print Friendly version of this page is available (prints page withoutthe top & right navigation)

Loss SummaryUser has the ability to minimize/maximizeLinks take the user to prior & current LOB loss summary information (see next page)Link names have been changed per request to read actual term dates

Losses Over $25,000Changed title from “Large Loss Detail – Losses Over $25,000” to “Losses Over

$25,000”Large loss detail would come out of the Claims system (IRES) (adjuster notes, etc)

Large Loss DocumentationCurrently there is a form that is completed for large losses where management, UW,

QA, etc have to complete a section of the document with their comments. This form needs to be incorporated into a HIG large loss documentation section (separate from the $25k loss documentation that is required for a standard $25k loss)

Added fields for Status, Action (?) and a link to the report, it is my understanding that there is a separate report for each policy so there could be more than one link

Frequency/SeverityPer Rowena title changed from “Noted Trends” to “Frequency/Severity”Not sure what the data would look like here – need an example, for now treated as

an area to add commentsShould contain frequency analysis calculations, e.g. a scoped down version of

@venture – need example

Comments on Loss ActivityUser has the ability to add general comments about the loss historyCreates automatic audit trail, per request added “Name” column

See Account Overview for button actions (Refer/Decline/Rate Account)Do we need to give the user the ability to order loss control here?

My TasksSpecific tasks related to the task of reviewing the loss history – need sample data

ReferencesAre there reference materials related to the task of reviewing the loss history? If not this information would not show on this page Not applicable – “References” box deleted

Tot Claim Ct Tot Paid Tot Incurred Avg Incurred Avg Paid Comments

246 3,460,950 6,381,034 25,939 14,068 There is not a frequency issue on this account but there has been some pretty good size claims. Whether there is a severity issue I cannot say at this time. We can certainly expect the type claims based on this insured’s business.

2

Large Loss Documentation

Status Action Required Reports

Complete 13UUNTI123412WENTI1234

In Progress

4

5

6

3

4

5

6

7

Home


My Accounts Sales ReportsMy Work

Rate AccountDecline AccountRefer Account


06/01/07 Task 2

06/01/07 Task 3

06/01/07 Task 4

06/01/07 Task 4

06/01/07 Task 6

Tasks

Create New Task >

√

√

9

View All Tasks

Add a comment

Order Loss Control8

8

Add a comment

Date Name Comment05/13/2007 John Smith Loss history has been excellent with no claims in the last four years.

05/01/2006 Mary Jones No losses reported for the current year. Did not request currently valued loss runs from prior carrier (Discovery Re) as both claims closed out. No frequency or severity trends noted. Past two years loss ratio since have written this account is acceptable at 2%.

04/21/2005 John Smith Prior to Hartford Auto was written through Discovery Re for two years. We have hard copy loss runs reflecting the following experience6/30/2002 to 6/30/2003: There was one physical damage claim for $478. 1/30/03 DOL

Comments on Loss Activity7

9

Print Friendly2

Review Losses √

Answer UW Questions

Account Overview

Review Loss Control

Audit

QA

1

Add a comment

August 29, 2007


Review Losses: Prior Year Detail (pop-up) |

Review Losses: Prior Year Detail (pop-up)


Review Losses: Prior Year 11 Clicking on Year, e.g. 2003-2004, within Loss Summary on the Review Losses

page launches this pop-upAdded prior carrier loss information (prior carrier/successful carrier) per request

User can click on the loss date, e.g. 01/04/2006, to update a loss

User can add a loss

Loss Date Carrier Incurred Paid Open Cause

01/04/2006 State Farms $40,000 $29,306 $10,694 Employee was standing in the mud, fell backwards & injured their knee. Medical & minimal loss time case that is due to close.

01/16/2006 State Farms $45,100 $4,402 $40,698 The employee slipped and fell and fractured left wrist. Surgically repaired and released on full duty on 4/20/2006.

07/07/2006 The Hartford $64,400 $15,745 $48,655 Fell & fractured left forearm. Surgically repaired. Resigned employment.08/01/2006 The Hartford $35,138 Its difficult to determine what is open/paid. Employee has skin cancer on forehead/

cheek/chest.11/11/2006 The Hartford $58,582 Employee fell down in front of office on wet cement sidewalk and broke wrist.12/21/2006 The Hartford $59,700 Repetitive motion (handwriting registration)

Worker’s Compensation Add a Loss

Loss Date:

Incurred:

Paid:

Cause:

XAdd Loss

Save

1

22

3

3

August 29, 2007


Account Overview: Answer UW Questions |

Account Overview: Answer UW Questions


My Accounts > IPC Valve Manufacturing > Review Losses > Review Pricing > Answer UW QuestionsSearch

Enter search term

Go >


Reference material Reference materialReference material

References

+ Forms/Documents

+ Links

My Links

Review Losses √Answer UW Questions √

Account Overview

Review Loss Control

Audit

QA

Answer UW QuestionsIPC Valve Manufacturing

1 General Account Level UWQ - need better sample dataData from this page would be displayed within the Exposures/Controls section of the Account Overview page (see page 3)

Depending on the answer to the prior, a related sub-question will appear

Per request added the ability to “Add a Comment”

User has the ability save and/or to continue on to the LOB specific UWQ (starting with the first LOB, in this case it would be Auto)Outstanding technical question: will there be “Auto save” & if so what is the frequency?

Specific tasks related to answering general account level UWQ – need sample data

Reference materials related to answering general account level UWQ – need sample data

2

3

6

Which category best describes the operation?

If the number of years the insured has been in business is less than 3, indicate how many years of experience the insured has in this field?

Do any subcontractors provide unique services and/or goods to the operation?

What percent of manufacturing is subcontracted?

Are parts manufactured for any of the industries listed?(check all that apply)

Any storage above 12 feet?

Are there fire extinguishers?

Yes No

%

Aerosol containers

Aircraft or aerospace applications

Mining machinery

Alarm or security equipment

Pollution control

Yes No

Yes No

Save Continue with LOB UWQ >

1

4

4


My Accounts Sales ReportsMy WorkHome


06/01/07 Task 2

06/01/07 Task 3

06/01/07 Task 4

06/01/07 Task 4

06/01/07 Task 6

Tasks

Create New Task >

√

√

5

View All Tasks

Add a Comment

Add a Comment

Add a Comment

Add a Comment

Add a Comment

Add a Comment

Add a Comment

XAdd a Comment

Save Changes >

3

2

5

6

August 29, 2007


Account Overview: Review Loss Control |

Account Overview: Review Loss Control


My Accounts > IPC Valve Manufacturing > Review Loss ControlSearch

Enter search term

Go >


LC Report Ordering Guidelines

References

+ Forms/Documents

+ Links

My Links

Review Loss ControlIPC Valve Manufacturing

1 Not sure what data appears on this page – need sample data Confirmed that there is a separate LC report for each location where one is required; system indicates which locations are required but it is up to the U/W to manually order the report

User can sort the columns, default is Location number (changed to 6 digit number to indicate address/building like Renewal Hub)

Added column showing status of loss control report, per request

Clicking on location number, e.g. 001 001, opens a pop-up containing location details (could be the same page as “Location Summary” if applicable, see p17)

Clicking on Y opens a form to order LC report, only appears where the system deems that a LC report is needed

System automatically updates the LC report status; Clicking on Completeallows U/W to view the report (see page 9)

Outstanding Loss Control RecommendationsOn Renewal Hub there is a box labeled “Outstanding Loss Control Recommendation”; it is unclear what data is displayed this text box and what its relationship (per location?) is to the page; is this something the U/W fills in?

What action, if any, should the user take from this page (note Individual actions are taken from individual dialogue boxes/forms) Do we need the Rate/Refer/Decline buttons here?

TasksSet up Tasks a little different here; Gives the U/W the ability to track which LC Reports they have ordered/reviewed

References specific to LC

2

3

8

Review Losses √Answer UW Questions √

Account Overview

Review Loss Control √

Audit

QA


My Accounts Sales ReportsMy WorkHome

001 001 Cobb Pkwy Smynra, GA 1 4,600,000 xxxxx 630,000 1988 4 3 83,663 Y Complete

002 001 Windy Hill Marietta, GA 3 1,920,000 xxxxx 430,000 1988 3 3 32,000 Y Complete

003 001 Atlanta Rd Smynra, GA 1 1,408,000 xxxxx 292,600 1988 3 3 17,600 N

004 001 Pleasant Hill Duluth, GA 4 14,462,000 xxxxx 2,553,000 2000 3 4 267,808 Y Order

005 001 Panola Lithonia, GA 1 3,887,000 xxxxx 526,980 1988 4 3 67,020 N

006 001 HWY 92W Woodstock, GA 2 5,025,000 xxxxx 545,300 1990 3 Y ‘2002 3 88,153 Y In Process

007 001 HWY 92 Woodstock, GA 2 5,205,000 xxxxx 1,015,900 1967 4 Y ‘1998 3 86,748 Y In Process

008 001 Pleasant Hill Duluth, GA 4 6.011,000 xxxxx 1,076,135 1988 4 4 111,314 N

009 001 Lionhead Vail, CO 1 999,000 xxxxx 206,616 1977 4 5 8,465 N

010 001 So Tamiami Tr Sarasota, FL 2 8.881,000 xxxxx 1,496,328 1988 4 Y’1997 3 153,129 Y Complete

Loc# Address # Bldgs B BPP RI Yr Blt Const Spk PC Area LC? Status

Outstanding Loss Control Recommendations:

????

4

5

6

32

5

7

Save6

Location Task Complete? 001 001 Review Report

002 001 Review Report

004 001 Order Report

Tasks

√

√

7

Save >

8

1

4

August 29, 2007


LC Report: Location 1 (Overview) |

LC Report: Location 1 (Overview)


Location Summary

Describe account’s operations at this location:

Outline/describe processes at this location:

Any catastrophic loss exposures? YesComments:

Loss control’s comments to underwriting:

Is future service required at this location? No further service

Executive Summary

Risk Alert: No

Overview

Next >

Location

Loss Control

JKL Corporation

Location 1: 90 New MontgomerySan Francisco, CA

Onsite Date: 12/19/2006

Consultant: Janice CheungPhone: (916) 294-1072

Manager: Jane TheurPhone: (916) 294-1072

Insured is investment company dealing with commercial and large residential properties within the San Francisco Bay Area. For this location/account, there are no employees, no company vehicles. Website is informational only. Gross annual rental income is approximately $4M. Office building is a fully sprinklered 130,000 sq ft CSP-6 built in 1985. No foreign exposures, no unusual exposures

This is a standard office building, Class A.

Earthquake exposure.

Business needs: while fair pricing on the premium policy is an important factor, the insured is more concerned about consistent pricing in future years. He is a committed and loyal customer and feels that if he is able to maintain a loss-free record, that it should reflect on the premium pricing. Insured is very meticulous with managing his buildings and making sure they are in excellent condition.

1 Not sure what data appears on this page – need sample data There is a separate LC report for each location; accessed by clicking Complete on the Review Loss Control page; note this page could be HTML based or a PDF

Added “Print Friendly” functionality to this page(s)

Separated out Overview, Property & GL into separate pages with the ability to page through (Next/Back buttons) to eliminate scrolling; print friendly would print the entire report

2

3

1

3

Print Friendly2

August 29, 2007


LC Report: Location 1 (Property) |

LC Report: Location 1 (Property)


Loss Control

JKL Corporation





Location Summary

Is this an Acceptable Property Risk for the Hartford? Above AverageComments:

Protection – Public

Fire Department Response Planning for This Location? AdequateHazardous Material Used/Hazardous Waste Generated? NoFacility has an HazMat Emergency Plan? YesHazMat Inventory/MSDS Given to Fire Dept? NAFire Dept Has Site Plan With Process/Storage Areas? NoAnnual Walk Through By Fire Dept? YesDate of Last Fire Dept Walk Through: 08/15/2006What is the ISO Town Class? CLASS2

Protection – Water Supply

Water Supply Evaluation: Adequate – System installed 1985 or later

Premises and Yard

Suitability of Premises for Use: Above StandardComments:

Facility Maintenance: Above StandardComments:

Property Diagram: Yes – AIRES SketchArial PhotoSite Sketch

LocationProperty

Properly designed sprinkler system with adequate maintenance procedures. Excellent housekeeping throughout, with properly stored flammable liquids. All records well maintained and kept neat and well organized

Office building was designed for such purpose

All facets of building and equipment are subject to a documented preventive maintenance program – includes roof, electrical, lighting, plumbing, HVAC

XArial Photo

1 Any related documents would how up as links to give the user the ability to view them

The rest of the property screen is continued on the next tab2

1

2

August 29, 2007


LC Report: Location 1 (Property,2) |

LC Report: Location 1 (Property,2)


Construction

Total Area of Building (sq ft): 130,000Maximum Number of Stories: 15Basement: NoneBasement Area (sq ft) 0Maximum Open Area Not Divided by Walls/Cutoffs: > 50,000 sq ftNumber of Effective Fire Divisions: 1What is the Construction Class for This Building? CSP 6Roof Survey Conducted? Yes – No Deficiencies Noted

Comments:

Suitable for Occupancy: YesConstruction Quality: SuperiorYear Built: 1986Largest Fire Division: > 100,000 sq ftElevators: Yes

Occupancy – Common Hazards

Common Property Hazards Controlled? Yes – Using ContractorsWarehouse Occupancy NoProduct Storage Practices Controlled: YesAny Other Significant Special Property Hazards: NoneAny Aluminum Processing: NoAny Occupants with a Higher Hazard Code: No

Protection – Private

Automatic Fire Detection System: YesComments:

Manual Fire Alarm System: NoPrivate Protection Acceptable: YesDetection System Acceptable: YesBuilding Protected by A/S System: Yes – FullOverall Evaluation of A/S System: AdequateAutomatic Sprinkler System Design: AdequateAS Care & Maintenance Adequate to Assure Proper Functioning: Yes

External Exposures

Building & Operations are Adequate for Neighborhood: YesExternal Exposures Evaluated to be Low or Moderate: YesUnusual Susceptibility to Other Perils: Yes

Comments:

Building

Roof is peaked and therefore could not conduct a rooftop inspection

Smoke alarms directly wired to central station.

Located in an active seismic zone; vulnerable to earthquake.

Building Exposures

Any Adjacent Structures/Occupancies within 100 Feet: YesComments:

Building Has Multiple Fire Divisions: No

Electrical Service & Maintenance

Electrical System Acceptable: YesType of Electrical Service & Wiring:

Comments:

Operational Changes/Expansions: No Changes/ExpansionsElectrical System Evidence of Lack of Attention/Maintenance: NoPreventative Maintenance Program for Electrical Distribution System: YesAluminum Wiring: No

Next >< Back

Other high-rise to the north and commercial building to the west. Located in a densely populated urban high-rise area.

Wired underground via transformer from public utility. Stepped down in utility room and distributed per each floor.

Exposures

Any Specialized/Custom or Foreign-Made Equipment: NoAre Business Interruption Exposures Controlled: Yes

Exposure or Hazard

LC/RM Programs

Theft Controls Acceptable: Yes

Loss Control & Risk Management

Elevators

Freight Elevators (#): 1Passenger Elevators (#): 3

Elevators

August 29, 2007


LC Report: Location 1 (GL) |

LC Report: Location 1 (GL)


Loss Control

JKL Corporation





1 The rest of the GL screen is continued on the next tab

General Liability

Is this an Acceptable GL Risk for the Hartford? Above AverageComments:

Location Summary

Any Operations on Others Property or Facilities: NoAny Control Exercised Over Subcontractors or Independent Contractors: Yes

Comments:

Any Hold Harmless Agreements That Add or Reduce Liability Exposure: NoAny Off Premises Welding: NoAny Ongoing Liquor Liability Exposure? No

Premises & Yard


Housekeeping: Above StandardComments:

Facility Maintenance: Above StandardComments:

Loss Analysis

General Liability Loss Analysis:

Management/Supervision

Training & Experience of Supervisory Staff:

LocationGL – Prem/Ops

Very well maintained premises and excellent housekeeping. Floors and surfaces in very good condition.

Office Building was designed for such purpose.

Premises, tools and equipment are well maintained, clean and neat. Material storage areas are uncluttered, aisles are clear. Waste is frequently cleaned up and disposed of.

Written contracts with COI’s checked and updated annually.

All facets of building and equipment are subject to a documented preventative maintenance program – includes roof, electrical, lighting, plumbing, HVAC.

No losses

Management has been in place for over 15 years.1

August 29, 2007


LC Report: Location 1 (GL, 2) |

LC Report: Location 1 (GL, 2)


Overall Management Experience & Effectiveness forType Operation: Above Standard

Comments:

Premises


Exterior Walking Surfaces: Above StandardComments:

Interior Walking Surfaces: Above StandardComments:

Visitor & Contractor Control: StandardFacility Maintenance: Above Standard

Comments:

Housekeeping: Above StandardComments:

Any Non-Employee Recreational Facilities: NoAny Swimming Pools: No

Life Safety Exposures/Controls Rate Life Safety: Above Standard

Comments:

Over 15 years experience.

Office building was designed for such purpose.

All walking surfaces well lit and in excellent condition, all stairs and ramps provided with handrails, excellent housekeeping and maintenance.

All walking surfaces well lit and in excellent condition, all stairs and ramps provided with handrails, fastidious attention to cleaning up clutter and standing liquids

All facets of building and equipment are subject to a documented preventative maintenance program – includes roof, electrical, lighting, plumbing, HVAC.

Premises, tool and equipment are well maintained, clean and neat. Material storage areas are uncluttered, aisles clear. Waste is frequently cleaned up and disposed of.

Exceeds Life Safety Code NFPA 101 requirements. Clear access to easily visible exits, little or no interior combustible finish, complete fixed fire protection, evacuation plans posted, drills regularly conducted and critiqued, alarms throughout and all systems regularly tested.

Complete< Back

Building Exposures

Building & Operations are Adequate for the Neighborhood: YesAny Adjacent Structures/OccupanciesWithin 100 Feet: Yes

Comments:

Life Safety

Maximum Number of Stories: 15What is Construction Class for this Building: CSP 6

Building

Other high-rise to the north and commercial building to the west. Located in a densely populated urban high-rise area.

Exits: Adequate Number, Easily Visible, Properly Marked: YesExits: Unlocked & Exit Passage Ways Clear: YesSignificant Combustible Finish at This Location: NoEvacuation Plans Posted: YesAll Areas Can Be Evacuated Promptly & Safely: YesPlace of Assembly at This Location: NoEducational Occupancy: NoDaycare Occupancy: NoDetention or Correctional Occupancy: NoHotel, Dormitory or Apartment Occupancy: NoLarge Residential Board & Care Facility: NoHigh Rise Building at this Location: Yes

Comments:

High-rise building is 15 stories/180 feet high. All office occupancy, no unique features as observatory deck or rooftop equipment.

August 29, 2007


Evaluate Risk: Auto |

Evaluate Risk: Auto


IPC Valve Manufacturing > Evaluate Risk > AutoSearch

Enter search term

Go >

My Accounts My Work Sales



Date Description 06/01/07 Missing MVR

Missing Information

+ Forms/Documents

+ Links

My Links

Date Created Task Name Complete? 06/01/07 Order MVRs

06/01/07 Contact Agent

Tasks

Create New Task >

√

Opportunity: 2

Locations: 10 (multi-state)TIV: $86,020,300Premium: $252,300Pricing:Account Score: 5

Classification:Valves Mfg. – Metal (59892)Class Description needed?

View auto classes

Reinsurance

Special UW Considerations

Evaluate Risk Auto √

General Liability

Property

Umbrella

Worker’s CompensationEvaluate Risk: AutoIPC Valve Manufacturing


Proceed to UWQ >

1

1 This data has been previously captured (application, CLA, Siebel, etc)

Upon initial submission, the user has the ability to continue on to LOB specific UWQ, (see page 15)

Once they have answered the UWQs, the button name changes to “Exposures/Controls” to allow them to return to review the results (see page 16)

Autos by LocationData is broken down by location (see Renewal Hub); user can drill into

location specific detailNeed additional data

Tasks Specific tasks related to reviewing the risk at a LOB level

Missing information related reviewing the LOB risk (box only displays if there is content

References: Contextual reference materials, related to reviewing the risk at LOB level (CLUM)

2

3

4

Auto Classification GuideAuto Identification CardsAutomobile Laws & RegulationsBroad Form EndorsementCertificates of InsuranceClaim Frequency ToolCommercial Auto Risk Selection Guide

References6

4

View All Tasks

5

5

Home Reports

001 001 Cobb Pkwy Smynra, GA 1

002 001 Windy Hill Marietta, GA 3

003 001 Atlanta Rd Smynra, GA 1

004 001 Pleasant Hill Duluth, GA 4

005 001 Panola Lithonia, GA 1

006 001 HWY 92W Woodstock, GA 2

007 001 HWY 92 Woodstock, GA 2

008 001 Pleasant Hill Duluth, GA 4

009 001 Lionhead Vail, CO 1

010 001 So Tamiami Tr Sarasota, FL 2

Loc# Address # Autos3

Autos by Location

Exposures/Controls2

6

August 29, 2007


Evaluate Risk: Auto UWQ |

Evaluate Risk: Auto UWQ


Auto UW Questions

Save

Are any scheduled vehicles not owned or registered by named insured? (does not include long-term leased vehicles)

Please identify them.

Are all vehicles the insured owns or leases on long term basis are included on the policy schedule?

Indicate how vehicles not listed on the policy schedule are insured: (select all that apply)

Identify vehicles not on the schedule, the use of the vehicles and current carrier.

Are there any dump trucks on the schedule?

If there are 5 or more vehicles on the schedule, any heavy or extra heavy vehicles, dump trucks, or vehicles classed as intermediate or long-haul, is there a documented safety inspection and maintenance program?

Explain why not.

Does the schedule include PPTs with cost-new greater than $80,000?

Please explain how the vehicles are protected against vandalism and theft.

Yes No

Yes No

Personal Lines Policy

Non-standard Commercial Policy

Standard Commercial Policy

Other

Yes No

< Back

Yes No

Yes No

3

1 User accesses this page from either the account overview page or any of the LOB pages

User answer one or many LOB question sets

Print friendly version prints only the questions set without any navigation

Items in red boxes are dynamic questions which display based on the answer to prior question

User has the ability to go back to the previous question setTechnical question: can the page automatically saves at a set interval?User has the ability to clear the entire formUser has the ability to save (brings the user to the Exposures & Controls

page)User has the ability to advance to the next question set

NOTE: For an advanced UW, hypothetically the only thing that may show on this page is a freeform comment box (equivalent of the narrative RED)

2

3

4

Clear

Underwriting Questions

Print Friendly2

Account Auto General Liability Property Umbrella Worker’s Compensation1

Next >

4

August 29, 2007


Evaluate Risk: Auto: Exposures & Controls |

Evaluate Risk: Auto: Exposures & Controls


Vehicle Maintenance: Formal maintenance program in place

Vehicle Storage: Vehicles stored in a gated secured lotNo history of theft

MVR Management: MVRs reviewed at hire & annuallyAlthough MVRs provided by the insured were acceptable, we will rerun so that they are uploaded in our system & benchmarks checked

Driver QualityRatio drivers/vehicles: As of now there are 6 drivers and 20 autos. However, only senior employees are cleared for driving

responsibility and the insured recently lost 5 employees that started their own businessTraining Program:Hiring Practices:

Personal UseDo family members drive? No family useIs personal use permitted? No personal use

High Hazard Auto: HC 8 based on class & truck-tractorNot monoline & auto will continue to growRadius is under 50 milesHeavies & tractor have minimal user

Heavy/Unusual Eqp: N/A

LocationV&MM? Contemplated in the ratngCongestion of traffic?

Update UW Questions

1

1 For real estate purposes, put exposures/controls onto its own page which can be opened in a second window for review purposesThe data displayed here would be generated after the user has answered the Auto UWQsNote – this page would not be available until the user has answered some UWQsData needs to laid out so that it is easily scanned

Print friendly functionality available here

User can update the exposure/control data by returning to the UWQs

Question – should there be LOB tabs here like on the UWQ pages?

2

3

3

Auto: Exposures & Controls

Print Friendly2

Close

August 29, 2007


Evaluate Risk: Property |

Evaluate Risk: Property


IPC Valve Manufacturing > Evaluate Risk > Property



Refer Account Decline Account

Opportunity: 2

Locations: 10 (multi-state)TIV: $86,020,300Premium: $252,300Pricing:Account Score: HIgh

Construction20% Frame20% Masonry30% Non-Combustible30% Masonry Non-Combustible10% Fire Resistant

Occupancy30% Manufacturing10% Warehouse40% Office10% Wholesale10% Residential

Date Description 06/01/07 xxxxxxxxxxxx

Missing Information

+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >


06/01/07 Task 2

06/01/07 Task 3

06/01/07 Task 4

06/01/07 Task 4

06/01/07 Task 6

Tasks

Create New Task >

√

√

New policies are not being underwritten in South Carolina at this time, pending Storm Florence. Learn More!


View location classes

Reinsurance25% of locations require

Special UW ConsiderationsControl Plan: Res Exposure in high rise

ITVCostimator: N/A

BI Gross Earnings: N/A

RA Required? N/A

Reinsurance? N/A

Catastrophic Perils Flood Quake Terrorism WindBrush Fire

Protection Classes

2 3 4 5 6

Ages of Construction (in years)

Under 10 20-40 Over 80

Hazard Codes

2 3

Amount Subject/Exposure from Other BuildingsAutomatic Sprinkler SystemsBasic Policy InformationConstructionCalifornia Earthquake Zones

References

20%

80%

25%

60%

50%

60% 10%

50% 20% 30%

10% 10% 10%

60% 40%

Rate Account


HC PC Subject1-6 1-6 $5 mil1-6 7-10 $2.5 mil7 1-10 $1 mil8-9 1-10 $500k

RA Guide


General Liability √

Property √

Umbrella

Worker’s Compensation Evaluate Risk: PropertyIPC Valve Manufacturing

1 This data has been previously captured (from application, CLA, Siebel, etc)

Upon initial submission, the user has the ability to continue on to LOB specific UWQOnce they have answered the UWQs, the button name changes to “Exposures/Controls” to allow them to return to review the results

LocationData is broken down by location (see Renewal Hub); user can drill into location specific detail by clicking on location number, e.g. 001 001Need additional data

Tasks Specific tasks related to reviewing the risk at a LOB level - need sample data

Missing information related reviewing the LOB risk (box only displays if there is content - need sample data


OUTSTANDING - Need to figure out how to link to/display “Location Summary” pop-up (see next page)

2

3

1

4

6

5

4

5

6

View All Tasks

Home Reports

Proceed to UWQ >

Exposures/Controls2

001 001 Cobb Pkwy Smynra, GA 1 4,600,000 xxxxx 630,000 1988 4 3 83,663

002 001 Windy Hill Marietta, GA 3 1,920,000 xxxxx 430,000 1988 3 3 32,000

003 001 Atlanta Rd Smynra, GA 1 1,408,000 xxxxx 292,600 1988 3 3 17,600

004 001 Pleasant Hill Duluth, GA 4 14,462,000 xxxxx 2,553,000 2000 3 4 267,808

005 001 Panola Lithonia, GA 1 3,887,000 xxxxx 526,980 1988 4 3 67,020

006 001 HWY 92W Woodstock, GA 2 5,025,000 xxxxx 545,300 1990 3 Y ‘2002 3 88,153

007 001 HWY 92 Woodstock, GA 2 5,205,000 xxxxx 1,015,900 1967 4 Y ‘1998 3 86,748

008 001 Pleasant Hill Duluth, GA 4 6.011,000 xxxxx 1,076,135 1988 4 4 111,314

009 001 Lionhead Vail, CO 1 999,000 xxxxx 206,616 1977 4 5 8,465

010 001 So Tamiami Tr Sarasota, FL 2 8.881,000 xxxxx 1,496,328 1988 4 Y’1997 3 153,129

Loc# Address # Bldgs B BPP RI Yr Blt Const Spk PC Area

Locations3

August 29, 2007


Location Summary (pop-up) |

Location Summary (pop-up)


001 001 Cobb Pkwy Smynra, GA 1 4,600,000 xxxxxxx 630,000 1988 4 3 83,663 Y Y EFC ? Restaurant ? 67365 83,663

002 001 Windy Hill Marietta, GA 3 1,920,000 xxxxxxx 430,000 1988 3 3 32,000 Y Y Kinkos F320 Tavern 7 67365 32,000

46607 77,825

003 001 Atlanta Rd Smynra, GA 1 1,408,000 xxxxxxx 292,600 1988 3 3 17,600 Y Y Restaurant ? Restaurant ? 67365 17,600

004 001 Pleasant Hill Duluth, GA 4 14,462,000 xxxxxxx 2,553,000 2000 3 4 267,808 Y Y Kmart F060 Café 7 67365 267,808

46607 300,000

005 001 Panola Lithonia, GA 1 3,887,000 xxxxxxx 526,980 1988 4 3 67,020 Y Y Publix F050 New China 7 67365 67,020

46607 152,460

006 001 HWY 92W Woodstock, GA 2 5,025,000 xxxxxxx 545,300 1990 3 Y ‘2002 3 88,153 Y Y Goodwill F060 Firestone 7 67365 88,153

46607 150,000

007 001 HWY 92 Woodstock, GA 2 5,205,000 xxxxxxx 1,015,900 1967 4 Y ‘1998 3 86,748 Y Y Publix F050 Domino’s 7 67365 86,748

46607 150,000

008 001 Pleasant Hill Duluth, GA 4 6.011,000 xxxxxxx 1,076,135 1988 4 4 111,314 Y Y Winn-Dixie F050 Monterrey 7 67365 111,314

46607 197,000

009 001 Lionhead Vail, CO 1 999,000 xxxxxxx 206,616 1977 4 5 8,465 Y Y 67365 8,465

010 001 So Tamiami Tr Sarasota, FL 2 8.881,000 xxxxxxx 1,496,328 1988 4 Y’1997 3 153,129 Y Y Publix F050 Furniture 7 67365 153,129

46607 40,000

TOTAL: 57,934,000 9,912,591 997,212

Location Summary

Loc# Address # Bldgs B BPP RI Yr Blt Const Spk PC Area RA Cost > Occu F-Code Mst Haz HC GL Class Exp

5 6

3

1

2

3

This is functionality is from the old prototype – does it still apply here? Need to know what type of data would show if schedule or flag is chosen

This functionality is from the old prototype – Rowena agreed that it would be helpful to have here. User can filter the list based on defined criteria. User can also sort the list.

User can sort columns (do we need to have filter/search?) User can sort by columnWhat about CAT info - Flood Zone, EQ Zone, Wind? Does this information belong here? What about Stories? Amount Subject (is this exposure)?Is Const Spk = Const Code? (see old proptotype) Separated them Const = Contruction Code, Spk = Sprinkler & when (needs to be w/i the last 10 years)B = buildings; RI = rental income; BPP = business personal property – need sample data for BPP; Mst Haz = most hazardous occupancy is needed for multitenant buildings when determining which hazard code to use; per Rowena, if mst haz does not make the cut then should add occupancyPer Rowena - Under exp it would be nice to specify (based on GL class) what the exposure base is – sale, payroll, area, etc – need clarificationVs. Renewal Hub the following are missing or named differently:BI = Business Income; Extra Expenses (BI, RI, EE all related); Area = sq ft, Occ Code? (different from >Occ); Distance to Coast, EPM (Electrical Preventative Maintenance) UpdateNeed to define & add topical breaks (e.g. CAT view, Building info, etc) – these can be accessed using tabs – need sample categories

“Assumables” are captured & can be updated here by the user; architects suggestion that they be indicated in a different color; Rowena suggested red –is the fact that it is a hyperlink clear enough (indicating that it needs to be updated)? Red is not usually used for links per UCD design standards, need to come up with a design solution, perhaps an icon to indicate there is user action needed

User can launch the RA tool Clarification – Retention Analysis tool is a calculator that takes the following criteria into consideration: occupancy, year built, HC, construction – it is a reinsurance measure, e.g. How much can we retain?” It hangs off Siebel today. Ideally the “Y” would not show, rather the system would take the data & automatically calculate for the user

User can launch the Costimator – Today it is located within the RA tool (and accessed thru Siebel), calculates the cost to replace a building based on year built & construction, prevents over/under insuring. Ideally the “Y” would not show, rather the system would take the data & automatically calculate for the user

4

VIEW: Schedule Flags FILTER: Show locations where isprotection class equal to 61

4

Year Built

Update Missing Information

1976

Save Changes >

2

5

6

August 29, 2007


Evaluate Risk: Property: Exposures & Controls |

Evaluate Risk: Property: Exposures & Controls


FireCommodities: Minimal BPP (office equipment) at the insured’s headquarters

Ignition Sources: Separate location from where the supplies (i.e. wood) is stored

TheftCommodities: Central station alarm

WeatherWind/Ice/Snow: So Cal – contemplated in the rating

Age Modified if > 30 yrsElectrical (update within 10 yrs if > 30 yrs): N/A

Roof: N/A

Update UW Questions

1

1 For real estate purposes, put exposures/controls onto its own page which can be opened in a second window for review purposesThe data displayed here would be generated after the user has answered the Property UWQsNote – this page would not be available until the user has answered some UWQsData needs to laid out so that it is easily scanned

Print friendly functionality available here

User can update the exposure/control data by returning to the UWQs

Question – should there be LOB tabs like on the UWQ pages?

2

3

3

Property: Exposures & Controls

Print Friendly2

Close

August 29, 2007


Evaluate Risk: Worker's Comp |

Evaluate Risk: Worker's Comp


IPC Valve Manufacturing > Evaluate Risk > Worker’s Compensation



Opportunity: 2

Locations: 10 (multi-state)Total Employees: 3,000Payroll: $24,252,300Premium: $252,300Pricing:Account Score: HIgh

+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >


View workers compensation classes

HousekeepingCondition of EquipmentLife Safety/Work EnvironmentMaterial Handling EquipmentMachine/Equipment GuardingPPE provided as neededFormal Lockout/Tagout Program

20%

80%

25%

60%

50%


Employee Hazards/Controls


General Liability √

Property √

Umbrella

Worker’s Compensation Evaluate Risk: Worker’s CompensationIPC Valve Manufacturing

25%

50%

Exposure to Flammables/ExplosivesExposure to CorrosivesChronic OD ExposuresNoiseErgonomic Exposures/ProgramRadiation Exposures

20%

25%

60%

50%

Health Hazards/Controls

25%

50%


Date Description 06/01/07 xxxxxxxxxxxxxx

Missing Information

Date Created Task Name Complete? 06/01/07 xxxxxxxxxxx

06/01/07 xxxxxxxxxxx

Tasks

Create New Task >

√

California Territorial RatingCatastrophic Industrial AccidentsEarthquakes

References6

4

View All Tasks

5

Home Reports

Proceed to UWQ >

Exposures/Controls2

1

1 This data has been previously captured (from application, CLA, Siebel, etc)

Upon initial submission, the user has the ability to continue on to LOB specific UWQOnce they have answered the UWQs, the button name changes to “Exposures/Controls” to allow them to return to review the results

LocationData is broken down by location (see Renewal Hub); user can drill into location specific detail by clicking on location number, e.g. 001 001Need additional data

Tasks Specific tasks related to reviewing the risk at a LOB level - need sample data

Missing information related reviewing the LOB risk (box only displays if there is content - need sample data


2

3

4

5

6

001 001 Cobb Pkwy Smynra, GA

002 001 Windy Hill Marietta, GA

003 001 Atlanta Rd Smynra, GA

004 001 Pleasant Hill Duluth, GA

005 001 Panola Lithonia, GA

006 001 HWY 92W Woodstock, GA

007 001 HWY 92 Woodstock, GA

008 001 Pleasant Hill Duluth, GA

009 001 Lionhead Vail, CO

010 001 So Tamiami Tr Sarasota, FL

Loc# Address3

Locations

August 29, 2007


Evaluate Risk: WC UWQ |

Evaluate Risk: WC UWQ


Worker’s Compensation UW Questions

Are any employees leased from another entity?

Please provide the number of leased employees.

Please describe the scope of their duties.

Is Worker's Comp coverage provided by the leasing organization?

Are certificates of Workers' Compensation insurance obtained?

Does the insured own or operate any aircraft in the course of their business?

Do any employees travel outside the country?

Does the insured have any volunteer labor?

Which of the following methods of delivery are used by the insured?

Does the insured annually prescreen MVRs for employees hired as drivers (delivery, sales, etc.)?

Please explain.

Select all metal/plastic finishing operations conducted at any location (select all that apply)

Yes No

Yes No

Employed Drivers

Contract Carrier

Common Carrier

Independent Owner/Operator

Other

Yes No

Yes No

Yes No

Yes No

x

Yes No

Spray Painting

Polishing/Deburring

Electroplating

Thermocoating

Powder Coating

Open Flame Deflashing

Other

None

1 User accesses this page from either the account overview page or any of the LOB pagesUser answer one or many LOB question sets

Print friendly version prints only the questions set without any navigation

Items in red boxes are dynamic questions which display based on the answer to prior question

User has the ability to go back to the previous question setTechnical question: can the page automatically saves at a set interval?User has the ability to clear the entire formUser has the ability to save (brings the user to the Exposures & Controls page)User has the ability to advance to the next question set

NOTE: For an advanced UW, hypothetically the only thing that may show on this page is a freeform comment box (equivalent of the narrative RED)

2

3

3

Underwriting Questions

Print Friendly2

Account Auto General Liability Property Umbrella Worker’s Compensation1

Save< Back

4

Clear Next >

4

August 29, 2007


Quote |

Quote


IPC Valve Manufacturing > Quote



+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >


06/01/07 Task 2

06/01/07 Task 3

06/01/07 Task 4

06/01/07 Task 4

06/01/07 Task 6

Tasks

Create New Task >

√

√


QuoteIPC Valve Manufacturing

Named Insured: Build America LLC Miracle MileE-Commerce ID: 1Producer Name (Code): Hamilton Brewart Ins Agcy (180608)

Proposed Effective Date: 12/26/2006Proposed Expiration Date: 12/26/2007 Audit Period: Market Segmentation: 780

Policy Information

Policy Number: 72 UUN AH5505 K2Audit Period: Non AuditableMulti-Flex Program: OfficeDeductible: $5,000

Eqsl: $25,000 (CA)

Waiting PeriodWeb Sites: 12 hoursElectronic Vandalism: 6 hoursCivil Authority/Dep Prop: 72 hoursUtility Services BI/RI: 24 hoursDenial of Service: 12 hours

Coverage Part Comp Code PremiumProperty 3 42,874.00Auto 1 148.00GL G 48,663.00

Total Estimated Policy Premium 91,685.00

Terrorism Premium 0.00

Property Choice

Hartford Casualty Insurance Company

Blanket Input Limit Prms/Bldg TotBuilding 52,513,015 52,513,015Business Ins 5,800,000 5,800,000

Covered Prop Amt-of-Ins PremiumBuilding 52,513,015 36,477.00Business Ins 5,800,000 2,050.00Equip Breakdown 2,495.00Eqsl 2,000,000 669.00Target Spice 1,183.00

Total Estimated Premium 42,874.00

Premises Rating Detail

Supplemental Premium CalculationPremium Avg. Mod

X Weather : 30,711.00 1.000Weather: 7,816.00 1.000

Policy Number: Examination Period:

Auto

Policies Coverages RecapCov Cov Autos Limits PremiumLiability 2,9 $1,000,000 per acc $148.00

Total Estimated Premium $148.00

Common Coverages Information

Policy Number: Audit Period:SMF Program: OfficeYr in Claims Made: 1

General Liability

Policies Coverages RecapLimits of Liability Premium

Premises/Operations $1,000,000 each occur $2,000,000 aggr $48,553.00Employee Benefits $1,000,000 each occur $2,000,000 aggr $110.00

Total Estimated Premium $48,663.00

General Liability Detail

2

1 Data was taken from Quote/Rating Worksheet – not sure what data is prefilled & what the user has to enter at this point in the process

Hover text – displays full Company Name

Links to “Quote: Property Detail” pop-up

Not sure what buttons/actions would be available here – depends on whether user can add/update data

Not sure what of these right navigation boxes would display here

3

4

5

2

3

4

5

1


Missing Information


References

Home Reports

August 29, 2007


Quote: Property Detail (pop-up) |

Quote: Property Detail (pop-up)


Quote: Property Detail

Policy Number: 72 UUN AH5505 K2Quote Seg Number: 001Effective Date: 12/26/2006

Market Segmentation: 780Primary State: CA

Rating Modification Factors & CommissionsState(s): CAExposure Mod

X Weather: .8Weather: .9

Normal Line Commission: 15.0Ded Each Occurence: 5,000

Premises Rating Detail

Premises: 001State: CAHazard Code: 01Rate Plan:Year Built: 1968

Building; Blkt

X Weather

WeatherZone: 1

EqslBldg Cl: 3AZone: 09Ded: 25,000

BI-Special; Blkt; Earnings: 100% (Rental)

X Weather

WeatherZone: 1

EqslBldg Cl: 3AZone: 09Ded: 25,000

Equip BrkOcc Code: 260Ded: 5,000

CSP Terr: 620Zip Code: 90045

Deductible: $5,000Area: 144,900

Type of Policy CD Description: OfficeProtection Class: 02X Weather Const: 5-Prot NCWeather Constr: ARate Class: F120

.132 .500 1.000 1.000 1.032 .910X X X X X = .062 X 32,347,480 20,055.00

Base Rate Constr Fctr Prot Fctr Exp Mod Risk Size Fctr Ded Fctr Fin Rate Limit of Liability

.038 .450 1.000 1.032 .800X X X X = .014 X 32,347,480 4,529.00

Base Rate Constr Fctr Exp Mod Risk Size Fctr Ded Fctr Fin Rate Limit of Liability

.006 .790 .516X X = .002 X 32,347,480 647.00Base Rate Ded Fctr Aggr Limit Fctr Fin Rate Limit of Liability

=

=

=

.132 .500 1.000 1.000 1.032 .910X X X X X = .034 X 2,200,00 748.00Base Rate Constr Fctr Prot Fctr Exp Mod Risk Size Fctr Ded Fctr TE Fctr Fin Rate Limit of Liability

.038 .450 1.000 1.032 .800X X X X = .008 X 2,200,000 176.00Base Rate Constr Fctr Exp Mod Risk Size Fctr Ded Fctr TE Fctr Fin Rate Limit of Liability

.006 .790 .516X X = .001 X 2,200,000 22.00Base Rate Ded Fctr Aggr Limit Fctr TE Fctr Fin Rate Limit of Liability

=

=

=

.550X

.550X

.550X

20,803 1.099 4.507 1.250 .0630X ) + ( X ) X 1,648.00Tot XW Prem EB XW Ded Adj Tot W Prem Eb W Ded Adj Equ Break Pct Ded Fctr

=.910X (

PricingTarget Mod (objective): .85Total (final) Mod: .862

1 Data was taken from Quote/Rating Worksheet – not sure what data is prefilled & what the user has to enter at this point in the processNeed to get additional info from Rowena regarding which of these values cannot be changed by the user

Similar to Rapid Requote

1

August 29, 2007


Price Risk |

Price Risk


IPC Valve Manufacturing > Price



+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >


06/01/07 Task 2

06/01/07 Task 3

06/01/07 Task 4

06/01/07 Task 4

06/01/07 Task 6

Tasks

Create New Task >

√

√


Price RiskIPC Valve Manufacturing

Save Pricing Recomendation

Named Insured: Build America LLC Miracle MileE-Commerce ID: 1Producer Name (Code): Hamilton Brewart Ins Agcy (180608)

Proposed Effective Date: 12/26/2006Proposed Expiration Date: 12/26/2007 Audit Period: Market Segmentation: 780

Policy Information

1 Data was taken from Account Score Details (MM Account Score) – not sure what data is prefilled & what the user has to enter at this point in the process

Not sure what buttons/actions would be available here – depends on whether user can add/update data“Save Pricing Recommendation”

Not sure what of these right navigation boxes would display here

Need to update page based on WC Pricing model documentation

2

3

2

3


Missing Information


References

Home Reports

LOB CPID Override CPID Eff Date RS Acct Sc BPO FPO Spec Prog App Spec Const App

Auto No 12/06 CA High 0.85 0.81 No NoGL No A357 12/06 CA High 0.90 0.90 No NoProperty No 12/06 CA Avg 1.10 1.10 No ---Umbrella Yes A358 12/06 CA --- 1.10 1.10 No ---WC No 12/06 CA Sup 0.88 0.88 No No

Account Pricing Summary1

August 29, 2007


Pricing (1) |

Pricing (1)


Affiliated Realty & Management > Price Risk



+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >


Price RiskAffiliated Realty & Management

Account Name: Account Number:

RO Pol Symbol Pol Number

Version:

Policy Information

83

Class Code:SIC Code:

Total EE Count:

Home My Work

Category E AA A BA IEmp Injury Haz & Cntr:

Health Haz & Cntr:

Hum Res & Risk Mgmt:

Class Fit:

Risk Evaluation

Policy Period Current 1st Prior 2nd Prior 3rd Prior ProspectiveEffective Date

Expiration Date

Valued as of

Payroll

Reported Incurred Losses

Losses Over $25,000Large Loss #1

Large Loss #2

Loss Rating

Calculate

WE RF3786

Affiliated Realty & Management 9529

3260

1000

1

1/1/2006 1/1/2005 1/1/2004 1/1/2003

1/1/2007 1/1/2006 1/1/2005 1/1/2004

10/31/2006 10/31/2005 10/31/2004 10/31/2003

70,000,000 65,000,000 60,000,000 50,000,000 75,000,000

MA

DE

CT

25,000 100,000 85,000 50,000,000

17,000 135,000 12,000 15,000

20,000 18,000 23,000 17,000

MA 75,000

State NDS Premium

Premium Detail By State

MA

DE

CT

56,000

50,000

33,000

August 29, 2007


Pricing (2) |

Pricing (2)


Affiliated Realty & Management > Price Risk



+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >


Price RiskAffiliated Realty & Management

Exposure RatingAvg Acct losses at this premium size: $77,074Acct worse/better than average: -14%Expected losses: $66,568

Loss RatingCredibility: 13%Loss Rating: $253,674

Sys Gen Exp Losses: $90,892

Expected Losses

Home My Work

Re-Price Account

Benchmark Avg Wage: $47,353Account Avg Wage: $70,000% higher/lower than benchmark: 48%

Average Wage

Current 1st Prior 2nd Prior 3rd PriorReported Loss Captured at $50k 62,000 228,000 120,000 57,000

Development 2.482 1.145 1.006 1.099

Trend 1.020 1.021 0.977 0.973

Benefit 1.004 1.009 1.017 1.019

Excess Load Less Cost 0.080 0.080 0.080 0.080

Projected Loss Cost @ Total Limits 0.291 0.493 0.279 0.204

Loss Rating Detail

Save

August 29, 2007


Issue |

Issue


IPC Valve Manufacturing > Issue



Date Description 06/01/07 xxxxxxxxxxxx

Missing Information

+ Forms/Documents

+ Links

My Links

Search

Enter search term

Go >


06/01/07 Task 2

06/01/07 Task 3

06/01/07 Task 4

06/01/07 Task 4

06/01/07 Task 6

Tasks

Create New Task >

√

√


References


IssueIPC Valve Manufacturing

Commercial Auto

General Liability

Property

Inland Marine

Worker’s Comp

Umbrella

Company Code Assignment

Named Insured: IPC Valve ManufacturingTrans Type: NewSIC Code: 6512Mkt Seg ID #: 780Legal Id: CorporationProd Name/Code: Hamilton Brewart Ins Agcy (180608)

Policy Information

Program Type

Motel/Hotel

Apartment

Condominium

Office

Mercantile

Dealer/Store

Distributor

Service

Industrial/Processing

Contractor

Other

InstitutionalGovernmental

Educational

Health Care

Other

Target SPICE

Apparel Mfg

Auto Dealers

Bldg Maintenance

Business Services

Communications

Condominiums

Distinctive Coverage

Electronic & Technical

Food Processors

Healthcare

Homes for the Aging

Law Firms

Libraries

Medical Industry

Metalworkers

Mineral Based Mfg

Plastic Fabricators

Post Production

Printers

Private Schools

Public Schools

Staffing Services

Supermarkets

Truck Equipment

Wholesalers

Public Service Ent

Special Trade Cont

Financial Services

Architects

Accountants

Advertising Agency

Consultants

Engineers

Painting & Paper

Electrical Contr

Masonry Contr

Carpentry/Floor

Siding/Sheet Metal

Plumbing/Heat/Air

Concrete Contr

Well Water Driller

Publishers

Telecommunication

Policy #: 13UUNTI123412WENTI1234

Eff Date: 12/26/2006

Exp Date: 12/26/2007

E-Commerce ID: 1

1 User Work Order form as the basis for this Issue page(s)User can choose which quote (e.g. of 5 possible) to be issue order on.Question – what data has previously been entered/gathered by the system & what information does the user have to manually enter at this point into a formIf information is available does the user have the ability at to change it?Assumption is that all of the policy information will come overUser has the ability to choose which quote to issue.

Is this information populated at this point? I believe that since it shows up on the Quote Proposal that it would be If not dropdowns will contain:

Hartford Fire Insurance Co.Hartford Casualty Insurance Co.Hartford Accident & Indemnity Co.Hartford Underwriters Insurance Co.Twin City Fire Insurance Co.Pacific Insurance Co., Ltd.Sentinel Insurance Co.Hartford Lloyds Insurance Co.Hartford Insurance Co. of IllinoisHartford Insurance Co. of the MidwestHartford Insurance Co. of the SouthwestHartford Insurance Co. of ConnecticutVarious (only shows within the Worker’s Comp dropdown)Other (if chosen, a text box will appear)

Will only show if applicable (does the system know this or is it manual?)If Other chosen a text box will appear.

Will only show if applicable (does the system know this or is it manual?)

Depending on size of page it can be broken (at a logical point) into mutlple pages to avoid scrolling.

1

2

2

33

4

4

5

5

72UUAH5505 001Choose Quote:

Home My Work

August 29, 2007


Issue, cont. (2) |

Issue, cont. (2)


Auto Auto Inland GL Liability Phys Dam Weather X Weather Marine Crime Other Rate

Experience

Schedule/IRPM

Expense Reduction

Package Md

Final Mod

Pricing Factors

Stamps & Processing Blocks

‘A’ Rated E

Retro W

Participating

Composite Rated

Tabs

Lars

Bulk Corr

Reinsurance

Installment No.

Aif

Negotiated Commission %

Audit

FilingsICC

Liability

Cargo

Other

F Code

Hazard Code

EQ Bldg Class

Flood Rate

Flood Zone

Supplemental Instructions

Property Choice

Electronic Vandalism Limit (choose one)

Policy LimitSublimit

Indicate appropriate sublimit:PD

Business Interruption/Rental Value

Extra Expense (if applicable)Excluded

Vandalism Waiting PeriodHours

Attach PC25 03(Mandatory for e-Comm 4&5)

Website & Communication Services CoverageLimit

Hours Waiting Period

Rate

General Liability

Cyber ID Personal & Advertising Injury Coverage

Cyberflex ID: 1

Worker’s Compensation

6 Is this information populated at this point? If not are these numbers?Rate box would only show if eligible

Is this information populated at this point? Assume that most of the supplemental instructions would be (HC, Flood Zone, etc.)

Audit dropdown would include: (is a dropdown appropriate, e.g. do they only chose one?)

MonthlyQuarterlySemi AnnuallyAnnuallyNot Auditable

Is this information populated at this point?If Sublimit is checked the related textboxes dynamically appear

Assume this information would be populated at this point – do we need to provide the ability to attach the items listed on the paper form (e.g. HC 00 89, HC 22 31, etc.)?

Is this information populated at this point?Not sure what is meant by “if company code 9” what information would be populated or filled out.Would default to be able to add one experience and schedule modification –user has the ability to add additional linesIf items are checked related input boxes would dynamically appearIs this name-class payroll part of the WC info?Not sure what “Name-class-payroll” is.

6

7

8

7

8

9

9

10

10Experience Modifications

Interstate Interstate ID #

Tentative State

Preliminary

Contingent

Add another line?

Schedule ModificationsState: Schedule:

Add another line?

PolicyOther States Coverage

Not Applicable

Specific States Excluded

Applicable

WC 00 04 02

Anniversary Rating Date / /

Participating Plan No.

Limit of Liability – Part II (other than $100,000)

Dep/Install Override %

Dep/Prem Override

Officer/PartnersIncludedExcluded

Name-class-payroll:

FEIN:

August 29, 2007


Issue, cont. (3) |

Issue, cont. (3)


SaveClear

Stamps & Policy Processing Blocks

Participating

Best Index

Commission if other than normal

Supplemental Instructions

11 Is this information populated at this point?

Is this a continuation of the WC info?Is this information populated at this point? Would this go in the box on the previous page labeled “Stamps & Processing Blocks”?

System would know which endorsements to attach and only the applicable ones would show. Perhaps the user could be given the ability to browse to add others? Where do these forms live, in Documentum?

Free form comments section. Even if the rest of the form gets prepopulated by the system the user should be given the ability to add additional issue specific comments. E.g. “Before issue, change building 1 limit to $2,000,000”

User can clear or save the form – will there be autosave? Should there be a send/submit button?

12

13

14

11 12Umbrella

Policy Limits: $ ,000,000/OCC & AGG

To Be Quoted: $ ,000,000/OCC & AGG

SIR: $ ,000

Primary GL Code/Description:

Classification Per Cum

XHU

RHU

HHU

Underlying Underlying Mod U/L U/L By-LineCoverage Limits Premium Mods Judg Mods

GL-P/O

GL-P/CO

Auto

Other

Commission if not full

Endorsements

Absolute Asbestos Excl (XL2175)

Absolute Lead Excl (XL2182)

Aircraft Products Excl (XL2110)

Auto Liability Follow Form (XL2401)

Auto Liability Excl (XL2103)

Auto Racing & Stunting Activ (XL2112)

C.C.C. Excl for Personal Prop (XL2104)

C.C.C. Excl for Real Prop (XL2105)

Comp Data Proc Prep Prof Excl (XL2297)

Comp Fac Mgt Ser Prof Excl (XL2296)

Comp Software (XL2299)

Contractors Endt (XL2132)

Contract Liab Following Form (XL2402)

Designated Operators Excl (XL2163)

Designated Premises Excl (XL2164)

Educators Legal Liability Endt (XL2193)

Electromagnetic Hazard Excl (XL2311)

Elect Data Processing Excl (XL2284)

13

Emp Benefits Liability Endt (XL0415)

Emp Injury Excl (XL 2177)

Eng Arch or Surv Prof Excl (XL2113)

Ext Insulation Finish Syst Excl (XL2340)

Fiduciary Follow Form (XL2413)

Financial Services Excl (XL2313)

Financial Institutions Limit Endt (XL2131)

Fin Inst Const Loans of Fin Excl (XL2316)

Fungi, Bact & Viruses – F Form (XL2458)

Incidental Prof Liability (XL0401)

Inspect, App & Surv Comp Excl (XL2314)

Insur/Real Est Agents E&O Excl (XL2115)

Insur & Related Ops – Limit (XL2116)

Intern Acc, App Srch or Serv Excl (XL2298)

Lawyers Prof Liability Excl (XL2298)

Limited Underlying Cov Excl (XL2197)

Liquor Law Liability Excl (XL2108)

Liquor Law Liability Follow Form (XL2404)

Mortgage Foreclosures Follow Form (XL2414)

Patient Care Excl (XL2140)

Personal & Advertising Injury Excl (XL2133)

Physicians Excl (XL2121)

Printers E&O Liability Excl (XL0403)

Products & Compl Oper Follow Form (XL2409)

Professional Liability Excl (XL2124)

Real Estate Agents Restrict Endt (XL2205)

Real Estate Mgrs Restrictive Endt (XL2206)

School Bus Restrictive Endt (XL2208)

Silica Excl (XL2317)

Teachers Liability Follow Form (XL2410)

Territorial Limitation of Coverage (XL2280)

Tobacco Health Hazard Excl (XL2129)

Trampoline & Gym Rebound Dev Excl (XL2130)

Watercraft Follow Form (XL2411)

Website Designers Professional Excl (XL2301)

Comments14

15

15