RV Insurance Agency Agent: P. S.
Prep notes for annual insurance review Date: 12/6/10
Client: Mr. & Mrs. Santa Claus (nickname Kris)
Address: North Pole (get Mapquest for inspector)
Client rating (naughty, nice, preferred): Preferred
List of assets to be covered:
12 drummers drumming (needs musical instrument floater – rate higher if used professionally)
11 pipers piping (pipes excluded for breakage, but resultant damage covered unless house is vacant)
10 lords a-leaping (check for trampoline – automatic HO cancel!)
9 ladies dancing (Jazzercise? Home business exposure? Add liability rider)
8 maids a-milking (outbuildings used for business excluded on HO -check age of barn for rider)
7 swans a-swimming (pool? Verify yard is fully fenced)
6 geese a-laying (needs Farm-mate policy – determine limit per goose and total value of gaggle)
5 gold rings ($1000 theft limit on jewelry, no mysterious disappearance. Recommend personal property floater – get appraisals)
4 calling birds (bird droppings on personal property only covered under comprehensive perils form – upgrade to HO-5)
3 French hens (remind that auto liability does not respond in France. Recommend umbrella policy for worldwide coverage)
2 turtle doves (no coverage for pets under HO)
1 partridge in a pear tree (limited tree coverage: $500 per loss due to direct lightning strike. Not covered for wind unless pear tree falls on covered property i.e. garage, patio furniture, 9 ft. lighted plastic Frosty)
Notes:
– Check current life and disability policies (will UNUM consider class 4 with up-on-the-rooftop exposure? Check definition of disability – own occ., or any occupation i.e. department store Santa?)
– Recommend long-term care. Elves not covered caregivers unless licensed by Medicare. Verify date of birth for quote. Rating software does not recognize age given: as old as my tongue and older than my teeth.
-Ask to quote business exposure (currently w/Gallagher):
Commercial package for toy factory
Commercial auto (check policy definitions: reindeer-powered vehicles qualify as auto?)
Workers comp (verify experience mod. Claim history shows frequency w/hammered thumb incidents. Also severity issues: 2008 permanent partial settlement for vocal cord polyps caused by excessive carolling & ho-hoing)
Reindeer coverage (classify as employees under workers comp? business personal property? livestock floater?)
Mrs. says this is “crunch time” at work for hubby. Have Chris schedule appt after holidays.













