Serving independent agents since 1954 -

You can trust us to get you the service you need.

“Service to the Local Agent, not Competition.”

Who We Are Bloss & Dillard, Inc. is an insurance management facility, accepting business from over 1,700 agents in West Virginia, Ohio, Kentucky and Pennsylvania. We offer the local agent and broker the products of over forty insurance carriers, 100% of which are rated “A-“ or better by A.M. Best Company.

Our facilities are available to you, the local agent and broker exclusively; we do not sell our product directly to the insurance buying public. Our motto is “Service to the local agent – not competition.”

We have a staff of professional underwriters to quote and bind both the commercial and personal lines insurance coverages. Our underwriters have full binding authority and in many cases extend coverages immediately.

Our markets are not limited to the placing of non-standard, high-risk and specialty coverages. We are a complete insurance management facility. We have commercial packages available written as a program business at very competitive rates. We have the “in-house facilities” of foreign and domestic insurance markets, which we make available to you for the placing of your tough, unusual and specialty coverages. We can provide you with excess coverage, umbrellas, general liability, long haul, intermediate and local trucking, including dumps, ambulance services and tow trucks. Some of our specialty products are mobile homeowners, boats, and personal umbrellas. These are but a few of the host of other products we have available to you.

Commissions paid are liberal, and we have become known for our fast policy service department. We can now boast that the policy turnaround is usually less than seven working days once all of the information has been received.

Bloss & Dillard, Inc. is a member of the American Association of Managing General Agents (AAMGA). We are also an active member of the National Association of Professional Surplus Lines Offices, Ltd. (NAPSLO). These are trade associations dedicated to the preservation of the independent agency system and the professionalism of true managing general agents. We believe in, are associate members of, and support in a material way, the state and national associations of the independent agents and professional agents. Finally, we are the founding members of the USA Alliance, a national organization formed for the purpose of better supporting the needs of the local agent in servicing their clients through our facilities.

If you are not one of the more than 1,700 agents doing business with us, we urge you to visit our website, www.bloss-dillard.com, today!

Commercial Auto

Personal Lines

Property & Casualty

Worker’s Comp

P.O. Box 7878Huntington, WV 25778-7878p 800.624.3422f 304.429.7248www.bloss-dillard.com

Call us today for more information! 800.624.3422

Call us today for more information! 800.624.3422

Getting in touch with Bloss & Dillard is now easier than ever!Our site allows you to quickly find the information you need and offers you the resources you’re looking for right at your fingertips 24/7. Visit us online, call or stop by our office location today!

Look for Bloss & Dillard online with many features including:

• Need help immediately and don’t want to wait on hold? Live chat is available on our website. Chat directly with our Accounting Department or an underwriter.

• Agent Service Center available, giving you access to information such as status of policies and submissions, policy info, expiration lists, account statements and invoices, and much more!

• Easy navigation - get what you need within three clicks

• Information on various classes available at your fingertips

• Hundreds of forms available

• Loss run request utility

• Commercial auto ratings available on the B.E.A.R. page

• Staff photos - put a face to the name of your Bloss & Dillard staff

Bloss & Dillardat your fingertips.

Visit our website! www.bloss-dillard.com

Find out what Bloss & Dillard can do for you!Contact Us Now!

Commercial Auto

Personal Lines

Property & Casualty

Worker’s Comp

P.O. Box 7878Huntington, WV 25778-7878p 800.624.3422f 304.429.7248www.bloss-dillard.com

Loss – Claim Procedures At Bloss & Dillard, Inc., we strive to give quick, reliable claim service. You, as our agent, can help us do this by reporting all claims directly to our office as soon as you are notified.

How to report a loss (1st party): Fax or email a “Notice of Loss” (Acord) to our office and, if required, an adjuster will be assigned the same day. If the loss is serious and requires immediate attention, please call our claim department, and an adjuster will be assigned. Please follow up with a “Notice of Loss” (Acord).

How to report a claim (3rd Party): A “Notice of Loss” (Acord) should be faxed or emailed to our office upon initial notice of the claim, and we will refer to an adjuster upon receipt. If the claim is serious, please call immediately and the company will be contacted. Please stress to the insured that all lawsuits should be reported the same day as received in order that the company may be notified. We will need a complete copy of the suit sent to our office immediately. If the insured has more than one policy or layered coverage, it is important that all carriers be put on notice.

Some of our companies have staff adjusters; thus, upon receipt of a “Notice of Loss” in our office, the company will be contacted and the claim given immediate attention.

LOSS RUNS: Can be obtained from our Claim Department.

I.P.F. Corporation Bloss & Dillard Inc. will arrange premium financing for your insured through our in-house premium finance company, I.P.F. Corporation. Founded in October 1987, I.P.F. Corp. offers financing in West Virginia, Ohio, and Pennsylvania.

I.P.F. Corporation is a fully licensed premium finance company offering premium financing exclusively to BDI producers. Their specialized service affords an easy payment plan for your insured and no-hassle arranging for you.

I.P.F. can finance almost every Bloss & Dillard, Inc. policy. They can set up your insured’s financing plan on monthly installments ranging from three to eight months. Contact your BDI underwriter or I.P.F. representative if you have any questions concerning premium financing.

Surplus Lines Filing Surplus lines business of (a) any insurance coverage not acceptable to your standard contract companies; (b) any unusual coverage requiring tailoring of coverage which a standard market would not be equipped to handle; (c) any specialty coverage; (d) accounts presenting capacity problems.

Bloss & Dillard, Inc. represents a group of companies which we have chosen, to provide stable, reliable and financially sound markets. As a contract agent for these companies, BDI has binding authority within the contract limits. You, as a producer, do not have binding authority but can have a risk bound by telephoning the underwriters at BDI.

Surplus lines companies may be “approved” by state insurance departments but not ‘admitted.’ Non-admitted companies are not regulated by the state insurance departments. Their rates and forms are not controlled. They do not file statistical results or pay

taxes directly to the states. The taxes are collected and paid by the licensed excess lines broker, such as Bloss & Dillard, Inc. Further, these companies are not members of the State Guaranty Funds.

As stated above, Bloss & Dillard, Inc. holds brokers licenses for the states in which they operate and are responsible for the companies that are used. They are required to keep detailed records, file surplus lines affidavits and pay the required state tax.

Surplus lines filings are required by the State Insurance Department for all policies written in a non-admitted company. Bloss & Dillard, Inc. will forward the forms required by the state when quoting a policy written in a non-admitted company. These forms have specific time limits and must be completed and returned with your request to bind the policy. The rates of taxation are established by the State Insurance Department and must be collected and remitted to the state by Bloss & Dillard, Inc.

Premium Accounting The industry-wide attitude toward premium collection and mode of handling has evolved like all other facets of the property and casualty insurance business. Company policies have required a tightening of collection and remittance procedures. Therefore, we adhere to the following requirements:

• All issued policies will appear on a monthly computerized account, whether previously invoiced, or arrangements made for financing the premium through one of the recognized premium finance organizations. Respectively, all cash exchanged will be reflected on the monthly account. It might be well to call to your attention that arranging for premium financing does not discharge the obligation of the agent to pay for all policies ordered.

• Any policies that are written with our direct bill companies, American Modern Home and Brickstreet, do not appear on the monthly agent statements. Separate checks are issued for any commissions due our agents on these types of accounts.

• Polices that have special payment requirements are noted on the quotes the underwriter issues, i.e. cash to bind, need payment within 10 days, etc. This does not appear on any invoices or statements issued.

• At the top left of our monthly account is the code number assigned to your agency. It will be most helpful in properly crediting your account if you will indicate that code number on your checks.

• Those agencies who have established credit with Bloss & Dillard, Inc. will have 15 days following the date appearing at the top of our account in which to remit. Except, however, there are certain markets that deal on a cash or 10-day remittance basis, and on policies involving those markets, we will continue invoicing. Our invoice will set forth the due date.

• It is necessary that all producers pay by our prepared account. We ask those few agencies still submitting accounts current to discontinue this practice.

• We recognize that special problems require special handling. If for some reason payment cannot be made by the due date, a prompt phone call to our Accounting Department will usually solve the problem.

• It is recognized that from time to time errors, ours or yours, may occur. If you question items on your account, please call them to our attention promptly, and we will take immediate action to resolve them.

Our business has become increasingly complex, and today’s cost of handling does not allow any margin for duplication of effort. Our main objective is to make doing business both more pleasant and more profitable for all concerned.

Commercial Auto

Lines Written: Local, Intermediate and Long Haul Trucking All classes of business. Exception: haulers requiring 5MM limits. Reporting form policies available for fleet accounts

Hot Items: Trucking Special Type Auto Dump Trucks Ambulances (emergency & non-emergency) Garbage Trucks Driver Training Mobile Home Toters Short Term Rental Vehicles Non-Trucking Pizza and Fast Food Delivery Tow Trucks (including on hook coverage) Security Patrols Contractors Drive Away Contractors Logging & Lumber Steel Motor Truck Cargo Coal (all states except KY) Cargo Liability Form/Owners Form Personal Property (in or off the vehicle) Livery Operations Reefer Breakdown Church Buses Electronic Equipment School Buses Debris Removal Taxicabs Limousines & Buses Garage Operations Courtesy Vehicles Used Car Dealers Home Health Care Vehicles Include Private Passenger Vehicles, Employee Transport Trucks, Tractors Group Home Vehicles Daycare Repair & Body Shops Airport Transportation Private Passenger, Motorcycles, ATVs, Frame Straighteners, Paint & Body Excess Commercial Auto Shops, and more All classes available

Quotation Procedure: Telephone quotations available for risks with fewer than ten power units. Submissions are required for fleets of ten or more power units and for garage operations.

Binding Authority: Binding resides only with Bloss & Dillard, Inc.

Note: Several excellent carriers are available for the placement of your commercial automobile needs. BDI’s in-house authority will assure you a quick response.

Call us today for more information! 800.624.3422

Send your submission to submissions@bloss-dillard.comVisit our website! www.bloss-dillard.comCall us today for more information! 800.624.3422

Personal Lines

Lines Written: Dwelling Fire High-Value Homeowners Vacant Dwellings Mobilehomes Vacant Mobilehomes Personal Umbrella Excess Personal Umbrella Excess Personal Auto Liability Personal Inland Marine Motorcycles & ATVs Travel Trailers (Limited States) Classic Autos (Limited States) Boats & Jet Skis

Quotation Procedure: Online rating or phone quotes are available for most classes.

Binding Authority: Binding Resides only with Bloss & Dillard, Inc. (Some Classes can be bound online)

Note: A+ Admitted Carriers for most lines of business.

Call us today for more information! 800.624.3422

Property & Casualty

Lines Written: Property, Casualty, Brokerage, Professional, Excess & Umbrella, and Inland Marine

Some common classes we review:

Alarm InstallationApartmentsBarsBatting MachinesBuilders RiskCable Line InstallationCampgroundsCatering OperationsChurchesCoal CompaniesContractorsConvenience StoresDaycaresDemolition ContractorsDetective OperationsDirectors and Officers Liability Profit and Non-Profit Organizations Financial InstitutionsEmployment Practices Liability Errors & Omissions Accountants Architects and Engineers Electronic Data Processors Insurance Claims Adjusters Lawyers Home Inspectors ConsultantsExcavation / Grading of LandExcess Liability Excess General Liability Excess Commercial Auto UmbrellaExcess Commercial Liability

Exercise FacilitiesFlea MarketsGas StationsGeneral ContractorsGrocery StoresGuides/OutfittersHigh-Value Property Home Health Care OpsHunting ClubsJanitorial OperationsKennelsLaw Enforcement LiabilityLoggingMachine ShopsMasonry RisksMedical Equipment StoresMedical FacilitiesMercantileMunicipalities OCP CoverageOil & Gas OperationsPest Control ExposuresPollution Liability Pressure Washing BusinessesProducts Liability Professional Liability Misc Prof for various classes Clinics Clinical Laboratories Firemen’s E&O Hospitals Insurance Agents E&O Nursing / Convalescent Homes

Send your submission to submissions@bloss-dillard.comVisit our website! www.bloss-dillard.comCall us today for more information! 800.624.3422

Property & Casualty - Continued

Quotation Procedure: By submission. Phone quotes are available for some classes.

Binding Authority: Binding resides only with Bloss & Dillard, Inc.

Note: All carriers are A rated with the majority being A+ or better.

Excess & Umbrella: $1,000,000, in-house authority for commercial auto. Other umbrella and excess coverages are available by submission to the company. Call to discuss umbrella and excess.

Public Officials Liability Repossession OperationsRestaurantsSocial Service OrganizationsSpecial EventsSports LeaguesStudent HousingSwim ClubsTanning Bed Liability

Technology Professional Liability Tree TrimmersTrustees and Fiduciaries Liability Umbrella Vacant BuildingsVacant LandVarious Mercantile OperationsWarehousesWelders

Continued classes:

Call us today for more information! 800.624.3422

Workers Compensation

Lines Written: Workers Compensation Coverage.

Some common classes we review:

Coal Mining Operations Contractors Oil & Gas Work

Quotation Procedure: Submission only. Acord Applications required.

Binding Authority: Binding Resides only with Bloss & Dillard, Inc.

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We’re your neighbors.

Call us today for more information! 800.624.3422

Since 1954, Bloss & Dillard has been helping our neighbors get the coverage they need. We have the history and the knowledge you want with your insurance.

Bloss & Dillard started with humble beginnings in 1954, and has proven

to be a strong enterprise in the Huntington and the tri-state community.

With our many years of knowledge of insurance, and our strong ties to

this area, you can feel secure knowing that your insurance accounts are

handled with the best in the business – and the area.

Contact us today to find out how we can help you, our neighbors, with all

of your insurance needs.

Smartphones: scan and link directly to BDI!

Look to Bloss & Dillard for coverage in:

Commercial Auto I Personal Lines Property & Casualty I Workers Compensation

Send your submission to submissions@bloss-dillard.comVisit our website! www.bloss-dillard.com

Serving independent insurance agents.

Bloss & Dillard is a Managing General Agent (MGA). We don’t sell our products directly to the insurance buying public. Our facilities are available exclusively to local agents and brokers. Our motto is “Service to the Local Agent, not Competition.”

P.O. Box 7878 • Huntington, WV 25778-7878 • (304) 429-6961 • (800) 624-3422 • f:(304) 429-7248

P.O. Box 7878 | Huntington, WV 25778-7878 | p 800.624.3422 | f 304.429.7248

www.bloss-dillard.com