1. a resident spouse and any family members residing with the insured for the ownership, maintenance, or use of any auto or trailer.

2. Anyone driving the car with permission or a responsible believe that they are entitled to drive the car.

3. Any organization the driver represents.

1. $15k bodily injury pr person and $30k per occurrence

2. 5k of property damage

1. Accidents causing more than $750 in property damage.

2. Any accident causing bodily injury

3. Registering a vehicle or renewing registration

4. Failur to pay fines or judgments from a previous accident.

5. Serious motor vehicl convictions (DUI, hit and run, etc.)

1. GVW of less than 10,000 lbs.

2. owned by insured person

3. NOT used for freight or delivery

1. an individual

2. husband and wife who are residents of the same household

3. two or more relative other than a husband and wife or two or more unrelated people in the same household, as long as both naems are listed on the registration.

4. a farm family co-partnership or family farm corp.

1. Vehicles for hire that trasport people (liver)

2. Motorcycles and other vehicles with fewer than 4 wheels (can be added with endorsement)

1. More than one minor violation

2. principlaly at fault in an accident that resulted in bodilyl injury or death.

3. conviction for driving with a blood alcohol level of .05 or more while under 18

4. more than 1 dismissal of a traffic citation.

1. names of people covered

2. dates in effect

3. vehicles covered

4.endorsments

1. loss

2. covered auto

3. non-owned auto

4. collision

5. other than collision

1. are in addition to the limit of liability

2. unlimited

1. typically for catastrophic loss.

2. primary coverage is still first

3. may be umbrella policy

1. pays reasonable medical expenses

2. optional

3. immediate

4. applies when riding in another auto or injured as a pedestrian

1. has no liability coverage

2. has less than the minimum required by the state

3. hit and run

4. mandated by CA to be offered but not required to be purchased.

1. Collision

2. Other than collision

3. transportation expenses

4. Theft

1. Funeral benefits up to $2500

2. Gap insurance

3. income loss

4. rental car replacement $15 to $450 a day

5. towing and labor costs

6. stacking (UM coverage by amount of vehicles owned)

1. Collision damage waiver

2. personal effects coverage

1. prompt notification

2. submit proof of loss

3. coopoerate with the insurer

4. submit to medical exams

5. notify police if hit and run or auto is stolen

6. Allow the company to inspect and appraise

7. protect from further damage.

10 days non-payment

20 days any other reason

20 days renewal

30 days non renewal

non payment of premium

fraus or material misrepresentation

substantial increas in the hazard insured against

license suspended or revoked.

Mexico Coverage endorsement

miscellaneoous type vehicl endorsement

named non-owner policy endorsment (borrowed or rented cars)

Extended non-owner liability coverage endorsment (deletes non-owned autos exclusion)

optional physical damange endorsment ($200 max)

Towing and labor coverage endorsment

extended transportation endorsement (up to $30 and $900 total)

1.1947

2.eligible if tried to get insurance but failed in the 60 days prior to CAARP app

3. residents, non-res with registered CA vehicle, military stationed in CA

4. $15k/$30k bodily injury and liability and UM, $5k property, $1k medical payments

1. good driver discount of 20%

2. 15% discount for training course

3. touring cycle discount of 25%

4. multi bike discount up to 30%

5. claim free renewal discount up to 25%

6. excluded if racing

Includes mandatory property and liability coverages and offers optional coverages.

Self-contained, complete package policy

1. Apartments ( do not exceed 6 stories, no more than 60 dwelling units, no more than 15k square feet of offices)

2. Office buildings (do not exceed 6 stories, no more than 100,000 square feet, no more than 15k square feet of apartments or merc, service processing)

3. mercantile (do not exceed 25k square feet and do not gross more than 3MM.)

4. Service or processing (do not exceed 25k square feet no more than 3MM in gross, no more than 25% of their sales are from off premises ops).

5. Building owners and business operators

6. Residential condo associations and office condo associations.

7. Motels

8 Self-Storage

9. Contractors

10. Fast Food (limited cookeries up to 7.5k SF)

11. Convenience stores (gas sales up to 75%)

12. Dry Cleaners

1. mailing address of named insured

2. Loss payee and address

3. Morgage holders and address

4.policy number

5. insurer name

6.producer name

7. named insured

8. policy period

9 limits

10 premium

11. deductible

12. description of business

13. schedule showing location and descriptions

14. forms applicable

15. counter signature

• land
• structures used soley for biz
• structures that are rented
• covered by other insurance
• animals
• motor vehicles
• aircraft and parts
• hovercraft
• property of roomers, boarders and other than tenants
• accounts, drawings, paper records, electronic data processing tapes, wires, records, disks, software.
• water or steam

Broad - premises/operations

Narrow - products and completed operations

• Section 1 - Covered Autos
• Section 2 - Liability Coverage
• Section 3 - Physical Damage Coverage
• Section 4 - Conditions
• Section 5 - Defiinitions

1. Business Auto Coverage Form

2. Garage coverage Form

3. Truckers Coverage Form

• Nuclear Hazard
• War or Military Action
• racing or demo contest or stunting
• wear
• tear
• freezing
• mechanical or electric breakdown
• blowouts
• punctures
• electronic equipment or personal media
• depreciation of vehicle

• Coins
• currency
•  bank notes
•  travelers checks
•  registered checks
•  money orders held for sale

• first class
• registered
• certified
• express

• builders risk
• business income with extra expense
• business income without extra expense
• extra expense
• leasehold interest
• glass
• legal liability
• condominium association
• condominium commercial unit owners
• mortgage holders E&O
• tobacco sales waerhouses
• standard property
• building and personal property

• Shift
• Transfer
• Avoid
• Retain
• Reduce

• Mobile Equipment

motorhomes

dunebuggies

golf carts

motorcycles

ATVs

• auto dealers and all types of repair service operations
• banks and all types of financial institutions
• places of amusement
• wholesalers

• declarations
• coverage form
• endorsements

Six

• debris removal expenses
• loss to property while removed from teh premises to preserve it from loss
• fire dpartment service chagres
• business income
• extra expense
• pollutant cleanup and removal

2

• collapse
• damage by water or other substances

• declarations
• conditions
• inland marine coverage forms
• any endorsements that apply

• withing 30 days after reaching an agreement with you
• the date of entry of a final judgment
• date an appraisal award is filed

1. any auto
2. owned autos only
3. owned private passenger autos only
4. owned autos other than private passenger autos only
5. owned autos subject to no-fault
6. owned autos subject o a compulsoy uninsured motorists law
7. spcifically described autos
8. hired autos only
9. nonowned autos only

• coins
• currency
• bank notes
• travelers checks
• registered checks
• money orders held for sale

• certain farm and agricultural workers
• charitable organization workers
• domestic employees and casual labor
• newspaper vendors
• outworkers

A. Dwelling

B. other structure

C. personal property (indirect loss)

D. Rental Value (extra expense)

Number of extensions: 8 for 5 days

A. Dwelling

B. other structure

C. personal property (indirect loss)

D. Rental Value (extra expense)

E. Additional Living Expenses

Number of extensions: 11 for 30 days

A. Dwelling

B. other structure

C. personal property (indirect loss)

D. Rental Value (extra expense)

E. Additional Living Expenses

Number of extensions: 11 for 30 days

B - Other structure

C - Personal property (indrect loss)

D - Rental Value (extra Expense)

E - additional living expenses

all choices

True or False:

There is no standard umbrella policy?

1. Coverage A - Dwelling
2. Coverage B - Other Private structures
3. Coverage C - Household personal property
4. Coverage D - Loss of Use
5. Coverage E - Scheduled farm personal property
6. Coverage F - Unscheduled farm personal property
7. Coverage G - Other farm structures

• vandalism
• theft
• breakage of glass
• sprinkler leakage
• water damage

• Coverage H - Bodily Injury and Prop damage
• Coverage I - Personal and advertising injury liability
• Coverage J - Medical Payments

A. $15k

B. 10% of A

C. 50% of A

D. 10% of A

Removal for 30 days

Cost for reasonable repairs

Fire service fees

Lawn plants trees shrubs

Debris removal fees

Glass breakage

landlord furnishings

A. $15k

B. 10% of A

C. 50% of A

D. 20% of A

Removal for 30 days

Cost for reasonable repairs

Fire service fees

Lawn plants trees shrubs

Debris removal fees

Glass breakage

landlord furnishings

 collapse of building

A. $15k

B. 10% of A

C. 50% of A

D. 30% of A

Removal for 30 days

Cost for reasonable repairs

Fire service fees

Lawn plants trees shrubs

Debris removal fees

Glass breakage

landlord furnishings

 collapse of building

C. $6k min

D. 20% of C

Removal for 30 days

Cost for reasonable repairs

Fire service fees

Lawn plants trees shrubs

Debris removal fees

Glass breakage

landlord furnishings

 collapse of building

building additions and alterations

A bond that guarantees that a principal will complete and deliver work free of liens.

Also known as labor and material bonds

1. fellow servant rule
2. contributory negligence
3. assumption of risk

• Bodily injury by accident - each accident
• bodily injury by disease - policy limit
• bodily injury by disease - each employee

pays for injury or damage that happens during the policy period

coverage in effect at the time the incident occures responds

responds to claims filed during the policy period

coverage in effect at the time the claim is reported responds

Coverage A. Bodily Injury and Property Damage Liability

Coverage B. Personal and Advertising injury liability

Coverage C. Medical Payments

Supplementary payments Coverages A and B

Assumption of Risk

Intentional Injury or Damage

Pollution Liability

Injury to an Employee

A. $30k min

B. 10% of A

C. 50% of A

D. 30% of A

Removal for 30 days

Cost for reasonable repairs

Fire service fees

Lawn plants trees shrubs

Debris removal fees

Glass breakage

landlord furnishings

 collapse of building

A. $1000 flat

C. $6,000 min

D. 40% of C

Removal for 30 days

Cost for reasonable repairs

Fire service fees

Lawn plants trees shrubs

Debris removal fees

Glass breakage

landlord furnishings

 collapse of building

Fire

Lightning

internal Explosion

Fire

Lightening

EC

VMM

Burglars

Faling Objects

Weight of ice, snow, sleet

discharge/overflow of water/steam

tearing apart, cracking, burning, bulging of steam/water system

freezing of plumbing, heating, air conditions, sprinkler

artificially generated electric current

All Risk for dwelling and structures

broad forms perils for personal property

"Removal"

HOP Section 2- Liability

Primary Coverages

 E: Personal Liability (100k each occurence)

F: Medical payments to others ($1000 each person)

HOP Section 2- Liability

Additional Coverages

• Insurance Claim Expenses
• First aid to others
• damage to property of others ($500/occ)
• loss assessment coverage ($1000/occ)

• insured
• insured's spouse
• family members living with the insured
• less than 21 yrs old and in the care of insured's family
• under 24, a relative, and enrolled in school full time
• legal representatives in event of death
• personal property of others while residing on residence
• residence employee

$1,500

• fire or lightning
• wind
• explosion
• riot or civil commotion
• aircraft
• vehicles (but NOT owned or operated by any resident)
• smoke damage
• vandalism
• theft
• volcanic eruption
• falling objects
• weight of ice
• discharge or overflow of water
• tearing apart or cracking burning or bulging of water adn HVAC systems
• freezing of water and HVAC systems
• damage from artifically generated electrical current

• property, losses and perils not covered due to limitations of the insuring

agreement and the general exclusions;

• loss involving collapse, other than those described above;

• freezing of a plumbing, heating or air conditioning system, or an automatic fire

protective sprinkler system, or a household appliance—or discharge, leakage or

overflow due to freezing while the dwelling is vacant, unoccupied or being

constructed, unless reasonable care was taken to maintain heat in the building,

or to shut off the water supply and drain the systems and appliances (such

damage by freezing of an occupied premises is covered);

• damage caused by freezing, thawing, pressure or weight of water or ice to a

fence, pavement, patio, swimming pool, foundation, retaining wall, bulkhead,

pier, wharf or dock;

• theft in or to a dwelling or structure under construction, or theft of any property

that is not actually part of a covered building or structure (theft of part of a

finished building is covered);

• vandalism and malicious mischief if the home has been vacant for more than 30

consecutive days at the time of loss;

• wear and tear, deterioration, latent defect, rust, mold, wet or dry rot,

contamination, smog, smoke from agricultural smudging or industrial operations,

birds, vermin, insects, domestic animals or the settling, cracking, shrinking,

bulging or expansion of pavements, foundations, walls, floors, roofs or ceilings;

• losses caused by weather conditions to the extent that weather contributes to

causes found in the general exclusions (i.e., power failure, flood, earth

movement, etc.);

• losses caused by faulty, inadequate or defective planning, zoning, surveying,

siting, design, specifications, workmanship, repair, construction, renovation,

remodeling, grading, repair or construction materials, or maintenance; and

• losses caused by acts, decisions or the failure to act or decide by any person,

group, organization or government body

• bodily injury (harm, sickness or disease and the cost of required care)
• property damage

1. claims expenses
2. first aid to others
3. damage to the property of others

1. Out-of-state-coverage

2. supplementary payments

"All Risk"

covers all losses which are not excluded

intended to supplement traditional coverages

• fire
• lightning
• wind
• hail
• explosion
• riot
• smoke
• vehicles
• aircraft
• vandalism
• malicious mischief

True or False:

Physical Damage is an endorsement under a Business Auto Policy?

H. Bodily Injury and Property Damage Liability

I. Personal and Advertising Injury Liability

J. Medical Payments

Fire

Lightning

Wind Storm