How to Enter a Quote
Mobile Home and
RV Park Online
Processing Manual
Agent Training
The information contained in this document is confidential and proprietary to Bankers Financial Corporation. No part of the document may be circulated, quoted, or reproduced for distribution outside the Client organization without prior written approval from Bankers Financial Corporation.
Mobile Home and RV Park Online Processing Manual
Last saved on 10.27.2011 Page 2 of 39
Table of ContentsHow to Enter a Quote....................................................................................................................................................................... 4
Coverages............................................................................................................................................................................................ 5
Locations .............................................................................................................................................................................................. 6
Location Coverages..................................................................................................................................................................... 8
Adding Buildings to a Location......................................................................................................................................... 12
Building Coverages ................................................................................................................................................................... 13
Total Premium................................................................................................................................................................................ 14
Non-Binding Quote.................................................................................................................................................................... 14
Underwriting Questions.......................................................................................................................................................... 15
Billing Plan Selection................................................................................................................................................................. 15
Payment Options.......................................................................................................................................................................... 16
Print Application........................................................................................................................................................................... 16
Additional Liability Exposures ................................................................................................................................................ 16
Location Level Questions........................................................................................................................................................... 20
Underwriting Questions Detail ............................................................................................................................................... 21
Policy Processing ............................................................................................................................................................................ 23
Searching for a Quote.............................................................................................................................................................. 23
Searching by Quote Number........................................................................................................................................ 23
Searching by Individual Name .................................................................................................................................... 24
Searching by Business Name....................................................................................................................................... 25
Policy Search ................................................................................................................................................................................. 26
Searching by Policy Number........................................................................................................................................ 26
Printing the Application .................................................................................................................................................... 27
Viewing an Application ..................................................................................................................................................... 28
Searching by Name................................................................................................................................................................... 28
Printing the Application .................................................................................................................................................... 29
Viewing an Application .................................................................................................................................................... 30
Searching by Business Name............................................................................................................................................ 30
Printing the Application .................................................................................................................................................... 31
Viewing an Application ..................................................................................................................................................... 32
Searching by Property Address ...................................................................................................................................... 32
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Printing the Application .................................................................................................................................................... 33
Viewing an Application ..................................................................................................................................................... 33
Navigating the View Policy Screen .............................................................................................................................. 34
Reporting a Loss ......................................................................................................................................................................... 35
Adding the Claim .................................................................................................................................................................. 36
Adding a Witness ................................................................................................................................................................... 36
Uploading Files ...................................................................................................................................................................... 38
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How to Enter a Quote Page 4 of 39
How to Enter a Quote1.Mouse over Products and go to Mobile
Home Park > New Quote > FL.
2.If this is Resident Owned, click Yes, then
Next Page.
3.Using the Calendar icon , select the Effective Date.
4.Select the Form of Business from the drop down: Corporation Individual (DBA) Individual Joint Venture Limited Liability Company Partnership
5.Enter the Applicant’s: Name Mailing Address Indicate if this is within City
Limits (Y/N)
6.Enter the applicant’s: Email Address Web Site Contact Information
o Nameo Phone Number
Years in Business
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7.In the Prior Insurance Information, enter: Prior Insurance (Y/N) The name of the carrier Policy Number Expiration Date Expiring Premium
8.Proof of Insurance Provided: Declarations Page Renewal Notice Non-Renewal Notice None
9.Indicate if the applicant holds an additional policy with Bankers Insurance Group (Y/N)10. Click Next Page.
Coverages11. Select your General Liability
Coverages from the drop down: 300,000 Occ/600,000 Agg 500,000 Occ/1,000,000 Agg 1,000,000 Occ/2,000,000 Agg 2,000,000 Occ/4,000,000 Agg
12. In the Additional Coverages section, select any additional coverages that have been requested.
13. Terrorism Coverage is checked by default. If it is not wanted, uncheck the box and click Next Page.
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Locations
14. To add locations, click the Locations icon .
15. Enter the address of the location and click Update.
16. Enter the attributes and click Next.
17. Answer the following Yes/No Location Questions: Size of Park: Less than 25
spaces Size of Park: More than 100
spaces Ratio of Park owned rentals:
Less than 15% capacity Ratio of Park Owned Rentals:
50%or more of capacity Age of Park: Less than 11 years Age of Park: Over 25 years Physical Features: Paved
streets and full lighting Physical Features: Unpaved
streets and no lighting Ratio of Camper Spaces: 50%
or more of capacity Ratio of Camper Spaces: 10%
or less of capacity
For more on the Location Questions, please see page 20.
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18. The screen will update with the
new location. Use the Location icon to add more as needed.
NOTE: You may use the icon to
edit and the icon to delete a location.
19. Once you have completed adding all locations, click Next Page.
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Location Coverages20. The Location Coverages
page allows you to addthe liability exposures, aswell as other additionalcoverages.
21. This page defaults to thefirst location.
22. Click Additional LiabilityExposures.
23. Click the Add Exposures icon .
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24. Select the exposure that bestdescribes it from the drop down.
25. Click Update.For a full description of each Liability Exposure, please see page 16.
26. Click Done.
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27. If you would like to add additionalcoverages, such as Miscellaneous Outdoor Property, click the corresponding link.
28. To add a record, click the icon
as shown.
29. Using the drop down, make your
selection.
30. Enter the Limit, Description of
Exposure, and click Update.
31. Click Done.
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32. Click Next Page.
33. Once you have added thecoverages for the first location, click the second location as shown.
34. Add any additional liabilities andclick Next Page.
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Adding Buildings to aLocationYou may attach multiple buildings to each location.
35. Click the Add Building icon .
36. Here you may assign building risks to your locations that you have entered on page 6. Select the location from the drop down and the address will populate.
37. Add additional information and click Update.
38. Once you have completedassigning the buildings to the locations, click Next Page.
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Building CoveragesHere you may add additional building coverages. This page defaults to Location/Building 1.
39. Make your selections as required.
40. To add coverages to otherLocations, click the links to each one as shown.
41. When you have completed the coverages, click Next
Page.
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Total PremiumThis page may take a moment or two to load.
42. Review the premium and selectNext Page.
Non-Binding QuoteA Non-Binding Quote will display.
43. Review the quote and click NextPage.
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Underwriting QuestionsReview the questions with the client and fill in answers. For information on the Underwriting Questions, please see page 21.
Billing Plan SelectionMake the payment selection and click Next Page.
NOTE: The quote will be sent to Underwriters for review. Once approved, you will
receive an email notification. At that time you can retrieve the quote (shown on page 14), enter the payment option and submit the application.
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Additional Liability Exposures Page 16 of 39
Payment OptionsFill in the payment method, transaction details, Payor, and Binding Authority. Click Submit Application.
Print ApplicationThe Application will display. In the top right
hand corner there is a PDF icon which you may use to print this application or send it in an email.
You may also scroll all of the way down to send this application to the printer by clicking the Print button.
Additional Liability ExposuresExposure Description Requested Information
Fitness Centers – Fee Sales – Sales Liability: Dollar AmountDescription of Exposure: Text Entry
Fitness Centers – No Fee Each: Licensed Capacity of Park (number pulls automatically)Description of Exposure: Text Entry
Golf course/Receipts/Pro-Shop Provide the total annual sales/receipts from allgolf related activities.: Dollar AmountDescription of Exposure: Text Entry
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Exposure Description Requested Information
LPG (Propane Sales) What is the Total Annual Sale in Gallons: Number of GallonsDescription of Exposure: Text EntryHow Many Tanks: Numeric EntryIs the Class of License 0604: Yes/No
Other Liability – Admission Admissions: Dollar AmountDescription of Exposure: Text Entry
Other Liability – Sales Sales – Sales LiabilityDescription of Exposure: Text Entry
Other Liability – Each Each: Numeric EntryDescription of Exposure: Text Entry
Other Liability – Total Cost Total Cost: Dollar Amount Description of Exposure: Text Entry
Other Liability – Area Area: Numeric Entry, Square FootageDescription of Exposure: Text Entry
Other Liability – Payroll Payroll: Dollar Amount Description of Exposure: Text Entry
Other Liability – Units Units: Numeric EntryDescription of Exposure: Text Entry
Other Liability – Operating Exp Total Operating Expenses: Dollar Amount Description of Exposure: Text Entry
Other Swimming Exposure Each Water Exposure - Describe Type Below:Numeric EntryDescription of Exposure: Text Entry
Playground or Amusement Areas Each: Numeric EntryDescription of Exposure: Text Entry
Prem Rented to others; Non Res Total Annual Receipts or Sales from Activities:Dollar AmountDescription of Exposure: Text Entry
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Additional Liability Exposures Page 18 of 39
Exposure Description Requested Information
Prem Rented to Others; Resident Number of Rental Units: Numeric Entry Description of Exposure: Text EntryDoes the Community Conduct a Background Check on Prospective Tenants: Yes/No Minimum Number of Months Required for Lease/Rental: Numeric EntryDoes the Insured Have a Guideline for the Maximum Number of Tenants per Unit/Bedroom: : Yes/NoMaximum Number of Tenants Per Bedroom: Numeric EntryDoes the Applicant Have Written Guidelines for Qualifying a New Tenant: Yes/NoAre the Locks Changed Or Re-keyed Between All Tenants: Yes/NoAre the Units Equipped With Hard Wired Smoke Detectors: Yes/NoAre the Units Equipped With Battery Type Smoke Detectors: Yes/NoWhat Is The Maintenance Procedure to Determine That The Smoke Detectors are in Working Order: Text EntryAre the Units Equipped With Burglar Bars: Yes/No Does the Insured Lease or Rent Units to be Used as Adult Congregate Living Facilities: Yes/No
Restaurant or Bar Total Annual Sales From This Restaurant or Bar:Dollar AmountDescription of Exposure: Text EntryDo all cooking surfaces and hoods have automatic fire protection: Yes/NoNumber of months between maintenanceinspections: Numeric EntryDoes The Insured Sell Beer and/or Liquor: Yes/NoDoes The Insured Have Liquor Liability Coverage
Elsewhere: Yes/No
RV/Mobile Home Sale Gross Annual Sales: Dollar Amount Description of Exposure: Text Entry
Seating Bleachers/Grandstand with More than 2 Risers
Each: Numeric EntryDescription of Exposure: Text EntryAre There Any Seating or Viewing Areas withMore Than 5 Risers and/or Seating in Excess of100 Persons: Yes/No
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Exposure Description Requested Information
Swimming Exposure – Pool/Beach Each: Numeric EntryDescription of Exposure: Text EntryAre all pool areas completely fenced with self-closing; self-locking gates: Yes/NoIs there a diving board or pool slide at any pool: Yes/NoDoes the Swimming Pool or Spa Comply With the Virginia Graeme Baker Pool Safety Act: Yes/No PDF icon links to: Virginia Graeme Baker Pool and Spa Safety Act,http://192.168.50.40/MHPK/PoolSafetyAct.pdf
Vacant Land How Many Acres: Numeric EntryDescription of Exposure: Text Entry
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Location Level QuestionsQuestion Type Error or Message if Error or Message Result
Is location in an “A” or “V” FloodZone?
Yes/No Yes, followingquestion markedwith **
**Does the applicant have Flood Insurance?
Yes/No N (and location is not within city limits)
UW Review: Building Located in an A or V Flood Zone
Size of Park: Less than 25 spaces Yes/No
Size of Park: More than 100 spaces Yes/No
Ratio of Park owned rentals: Lessthan 15% capacity
Yes/No
Ratio of Park Owned Rentals: 50% or more of capacity
Yes/No
Age of Park: Less than 11 years Yes/No
Age of Park: Over 25 years Yes/No
Physical Features: Paved streets and full lighting
Yes/No
Physical Features: Unpaved streets and no lighting
Yes/No
Ratio of Camper Spaces: 50% or more of capacity
Yes/No
Ratio of Camper Spaces: 10% or less of capacity
Yes/No
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Underwriting Questions Detail Page 21 of 39
Underwriting Questions DetailQuestion Type Error or Message if Error or Message Result
Does any building have a woodshingle roof or aluminum wiring
Yes/No Yes UW Review: Wood ShingleRoof or Aluminum WiringExists
Is any building in the process of renovation or construction
Yes/No
Does any building have existingdamage
Yes/No Yes UW Review: Structure hasexisting damage
Any other subsidiaries, operate any business or own other property
Yes/No Yes
Any unrelated business or servicesprovided
Yes/No Yes UW Review: Business orServices provided isunrelated to primary class
If community is Age restricted, minimum age permitted
Select:1855
Is this a Gated Community Yes/No
What Are the Hours the Access Is Controlled
Select:0 hours24 Hours6 to 12 HoursOvernight
Are accessible areas of the perimeter fenced or walled
Yes/No
Are there tennis courts Yes/No
Are there shuffleboard courts Yes/No
What is the monthly maintenance fee Dollar Entry
Is the HOA responsible formaintenance of streets or street signs
Yes/No
Is the HOA responsible for lawn irrigation
Yes/No
Is the HOA responsible for treetrimming
Yes/No
Is the HOA responsible for cable TV, telephone or internet service
Yes/No
Is the HOA responsible fortrash/garbage collection
Yes/No
Is the HOA responsible for Security Yes/No
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Question Type Error or Message if Error or Message Result
Do guards carry firearms or use guard dogs
Yes/No Yes Risk does not meet eligibility requirements
Are there any Saddle Animals Yes/No Yes Risk does not meet eligibility requirements
Is there any Skeet or Trap Shooting Yes/No Yes Risk does not meet eligibility requirements
Are there Canoe Rentals Yes/No Yes Risk does not meet eligibility requirements
Are there Fireworks Displays Yes/No Yes Risk does not meet eligibility requirements
Is there a Boat Ramp Yes/No Following 2 questions marked with ** if answer is Yes
With the Street** Does the Boat Ramp Line up Yes/No Risk does not meet eligibility
eligibility requirements
** Does the Boat Ramp Have a Gate to Prevent Vehicle Traffic
Yes/No Risk does not meet eligibility requirements
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Policy Processing
Searching for a Quote
1. From the main Web site, mouse over Products, then move to Mobile Home Park > Quote Search.
Searching by Quote Number2. Select the type of search you
like, in this case, Quote Number.
3. Type the quote number in the field
4. Click the Next button.
You will see icons next to the quote:will print this quote copies
the quote
allows you to do further work with this quote
deletes the quote
5. If you Print the quote, the
Binding Quote will display. You may click the PDF icon to send this to the printer
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6. Editing the Quote will let youcontinue and unfinished quote, or make adjustments as necessary.
7. Deleting the quote will give you awarning message before the action is taken.
Searching by Individual Name Select Individual Name, and enter the Last and First Names into the fields and click Next.
You will see icons next to each quote:
will print this quote copies the
quote
allows you to do further work with this quote
deletes the quote
For full explanations of all of these functions, see pages 23 - 24.
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Searching by Business Name Select the Business Name option and enter the name in the fields.Then click Next.
You will see icons next to each quote:
will print this quote
copies the quote
allows you to do further work with this quote
deletes the quote
For full explanations of all of these functions, see pages 23 - 24.
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Policy SearchTo search for an existing policy, mouse over Products and move to Mobile Home Park > Policy Search.
Searching by Policy Number Ensure Policy Number is selected Enter the Policy Number into the field. Click Next.
Your policy will display.
will allow you to reprint this application
will allow you to view this application
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Printing the Application
Click the icon to print this
application.
In the top right hand corner there is a PDF icon which you may use to print this application or send it in an email.
You may also scroll all of the way down to send this application to the printer by clicking the Print button.
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Viewing an Application
To view this application, click the
icon.
An overview of the application will display.
Searching by Name1. Select Individual Name.2. Enter the Last Name and
First Name.3. Click the Next button.
The Search results will display. Next to each policy, you will see two icons:
will allow you to reprint this application
will allow you to view this application
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Printing the Application
Click the icon next to the appropriate policy to print the desired application.
In the top right hand corner there is a PDF icon which you may use to print this application or send it in an email.
You may also scroll all of the way down to send this application to the printer by clicking the Print button.
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Viewing an Application
To view this application, click the
icon.
An overview of the application will display.
NOTE: To use the navigation on the right hand side of the screen, please see page 34.
Searching by Business Name1. Select Business Name.2. Enter the First Business Name
and Last Business Name (if applicable).
3. Click the Next button.
The Search results will display. Next to each policy, you will see two icons:
will allow you to reprint this application
will allow you to view this application
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Printing the Application
Click the icon next to the appropriate policy to print the desired application.
In the top right hand corner there is a PDF icon which you may use to print this application or send it in an email.
You may also scroll all of the way down to send this application to the printer by clicking the Print button.
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Viewing an Application
To view this application, click the
icon.
An overview of the application will display.
NOTE: To use the navigation on the right hand side of this screen, please see page 34
Searching by Property Address
1. Select Property Address2. Enter the address in the
required fields. You may enter a partial address here.
3. Click the Next button
The Search results will display. Next to each policy, you will see two icons:
will allow you to reprint this application
will allow you to view this application
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Printing the Application
Click the icon next to the appropriate policy to print the desired application.
In the top right hand corner there is a PDF icon which you may use to print this application or send it in an email.
Viewing an Application
To view this application, click the
icon.
An overview of the application will display.
NOTE: To use the navigation on the right hand side of this screen, please see page 34
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Navigating the View Policy ScreenOn the right hand side of the policy view,there are a list of options:
Claim Information Payment Information Refund Information Coverage Information Document
Information Transaction History Forms History Forms and
Endorsements Make Payment Report Loss Upload Files
Clicking any of the Information links will provide the corresponding information, if any.
Selecting the History links will provide the information, if any is available.
Clicking Forms and Endorsements will provide that information, if it is available.
To make a payment, click Make Payment and submit the appropriate information. Then click Update.
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Reporting a Loss1. Click Report Loss
The Loss Report screen will display.
2. Select the Primary Type of Claim from the dropdown.
3. Enter the Loss Date and Time4. Select who this loss was
reported by.5. Select the reporting method6. Enter the first and last name of
the one reporting7. Indicate if this is the business
name8. Enter remaining contact
information
9. Enter the contact information of theInsured as shown.
10. Enter the description of the loss
11. Select the Type of Loss from the drop down
12. Indicate the location of the loss
13. Select if an authority responded, the name and case number
14. Click Next Page
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Adding the Claim1. To add the claim, click the icon
next to Claimant List.2. Enter the claim information
and all contact information as shown.
3. Click Update.
Adding a Witness1. If you would like to add a
witness, click the Add button as shown.
2. Enter the Witness Information: Name Address Phone Numbers Email Address
3. Click Update, then Next Page
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4. If this claim is related to a catastrophe, select it from the dropdown.
5. Click Next Page
6. You will receive a Claim Report Confirmation. Record the Claim Number and Adjuster information and click Done.
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Uploading Files1. To upload a file (i.e. photographs,
documents, etc.), click Upload Files.
2. Click the Browse Files link.
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3. The Select Files window will open.
4. Highlight the file you wish to upload and click Open.
5. You will see the file name of what you selected on the right hand side of the window.
6. Click Upload.
7. You will see an upload confirmation window with a number.
8. If you wish to remove this file, click the Remove link just to the right of the file name.
9. Click Close.
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