Guidelines & Rules (pdf format)

All applications on bound risks must be fully and truthfully completed or coverage is considered null and void. In the case of Direct Bill Accounts, New Business Applications containing false or incomplete information or if checks received are returned as NSF, applications will be null and void with no coverage afforded or as otherwise allowed by State law.

With-in 30 days of binding you must (PLEASE) PROVIDE PROPERLY COMPLETED, SIGNED APPLICATIONS TO CREATIVE (AS SOON AS POSSIBLE) ALONG WITH OTHER INFORMATION AS MAY BE REQUESTED BY THE UNDERWRITER.

YOU MUST RETAIN A DUPLICATE OF ALL SUBMISSIONS IN AN APPROPRIATE SUSPENSE SYSTEM AWAITING RECEIPT OF THE ISSUED POLICY.

RENEWALS

(AGENCY BILL ACCOUNTS)

YOUR OFFICE IS PROVIDED RENEWAL SOLICITATION APPROXIMATELY 60 DAYS IN ADVANCE OF EXPIRATION. IF UPDATED INFORMATION IS REQUIRED, IT IS CONSIDERED A RENEWAL CONDITION THAT MUST BE SATISFIED IN ORDER TO OBTAIN CONTINUED COVERAGE. IF NON-RENEWAL IS NECESSARY, IT WILL BE PROVIDED IN ACCORDANCE WITH STATE LAWS. RENEWAL REQUEST MUST BE RECEIVED BY CREATIVE PRIOR TO EXPIRATION TO AVOID A LAPSE IN COVERAGE.

UPON RECEIPT OF OUR RENEWAL SOLICITATION YOU MUST ADVISE YOUR CLIENT ACCORDINGLY AND OBTAIN THEIR WISHES REGARDING COVERAGE RENEWAL AND RESPOND TO CREATIVE PRIOR TO RENEWAL DATE.