ࡱ> !` Snbjbj\\ V>>d .... ̑"h ǟx?  ($QhLÝ@L.. afff."  fffrPrg \ mfQ:v߮4 w0zgg+f9+++LLJ+++"""$b """T6......  APPLICATION Life and Health Insurance Agents and Brokers Errors and Omissions Insurance Underwritten by  Utica Mutual Insurance Company New Hartford, New York THIS IS AN APPLICATION FOR A CLAIMS-MADE POLICY. READ YOUR POLICY CAREFULLY. COVERAGE IS SUBJECT TO UNDERWRITERS APPROVAL. APPLICATION INSTRUCTIONS PLEASE FOLLOW THE INSTRUCTIONS AS LISTED TO EXPEDITE THE PROCESSING OF YOUR APPLICATION. All questions must be answered. If a question does not apply to you, indicate "Not applicable." All applications must be typed/or legibly hand written. If more space is needed, please use a separate sheet to complete answers and attach to application. Return application to: Utica Mutual Insurance Company Errors & Omissions Department P.O. Box 530 Utica, NY 13503 OR 180 Genesee Street New Hartford, NY 13413 Processing time for a properly completed application is approximately 30 days and should be taken into consideration when applying. All incomplete applications will be returned to agency for completion. APPLICATION INFORMATION  FORMCHECKBOX  New Business, or  FORMCHECKBOX  Renewal, provide prior UTICA Policy Number Expiration date Required in Iowa: Soliciting Agent License Number 1. Name of Individual agent and/or Agency (Include all trade names DBAs, etc.)  FORMCHECKBOX  Individual  FORMCHECKBOX  Partnership  FORMCHECKBOX  Corporation  FORMCHECKBOX  LLC/LLP  FORMCHECKBOX  Other 2.a. Mailing Address Street City County State Zip Code b. Physical Address if different from mailing: Street City County State Zip Code Telephone # FAX # Cell Phone # Website Address Email Address of Key Contact 3. Address of branches with identical ownership (1) Street City County State Zip Code (2) Street City County State Zip Code 4.a. How is the agency established? As a:  FORMCHECKBOX  Career Agent  FORMCHECKBOX  Independent  FORMCHECKBOX  Captive (Check all that apply.) b. Date agency originally established c. Date of current ownership if purchased (If the agency is less than two years old under current ownership, a resume for each agency owner(s) is required.) 5. Has the name of the agency, ownership or principals of the agency changed, or has any other business been purchased, merged or consolidated with the agency, including the purchase of another agency's business, during the past five years?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If "Yes" please list details below including gross income derived from other business. 6. Is the agency engaged in any other business?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If "Yes" please give details. 7.a. Is the agency owned by, associated with or controlled by any other businesses?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If "Yes" please provide name, percentage of ownership, description of business of parent or controlling interest, kind and amount of insurance derived from associated business or owner. b. Share office space?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, name of entity 8.a. Provide your gross annual commission and fee income from life, health and financial products for the following: Commissions**FeesTotal Two Years Prior   One Year Prior   Estimated Next 12 Months   b. ** Fee Income received from 9. Breakdown of your total revenue. Total must equal 100%. Life, Individual % Of this percentage of revenue, how much is substandard (Surcharged/High-Risk) business? % Life, Group % Health, Individual % Health, Group % Percentage guaranteed issue? % Percentage individually underwritten? % What percentage of this revenue is from products, which are not fully insured? % Long Term Care % Disability Income % Fixed Annuities % Variable Annuities** % Financial Products** % **For Variable Annuities, Mutual Funds and Financial Products coverage complete questions 32-40 on pages 6 and 7. Property/Casualty Products** % For coverage consideration complete questions 41-54 on pages 7 and 8. Consulting for: Benefit or Pension % Insurance % Administration Income/Activities from: Claims Administration % Third Party Administration % Miscellaneous Exposures: Tax % Estate Planning % Actuarial % Viaticals and/or Life Settlements % Other (specify) % TOTAL MUST EQUAL 100% (excluding shaded information percentage) (Definitions for Question #10) Agent - Place business with companies with which agency is licensed. Personal Producing General Agent - General Agent producing business personally. General Agent - Places business with companies with which the agency is licensed. Commissions are from personal sales and/or sales of sub-agents. Managing, Master or Brokerage General Agent - Has authority to appoint and commissions are from agents and general agents. 10. Please give the approximate percentage breakdown of the total income for business that is placed by you or your agency as: % Agent % Personal Producing General Agent % General Agent % Managing, Master or Brokerage General Agent TOTAL MUST EQUAL 100% 11. Please give the approximate percentage breakdown of the total production. % Personal Production % From your agents (to you as General Agent) TOTAL MUST EQUAL 100% 12. Is agency associated with a cluster or similar type arrangement?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please attach detailed description. 13. Does anyone from the agency sit on any Company Board of Directors or Governing Committees involving an insurance related activity?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, provide details. 14. List all of the insurance entities that together account for 100% of your total agency premium volume. (Include companies that you place all Life, Accident & Health. List any HMOs, PPOs, Wholesalers, General Agencies & their carriers, SIFs, Captives, RRGs, RPGs, etc.) Next to each carrier list the percentage of business placed with that carrier based on 100% of your agencies business. Check the box that represents how you place the business with each.) Company%Business placed direct with insurance companies (Agent/broker)Business placed through othersBusiness placed as a GA, MGA or Broker for others FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Coverage may be available for the insolvency for RRGs, RPGs, or Self Insured programs and NR rated carriers upon written request. Coverage is subject to underwriting approval and receipt of any additional information requested by the underwriter. 15. In the last five years, have any agency contracts you have held with insurance companies been cancelled for cause?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, attach full details. 16.a. Please indicate the agency E&O carrier for the last three years. If none, state none. Carrier Policy Number LimitE&O PremiumEffective and Expiration DateRetro Date, if any b. If you have not had Errors and Omissions coverage for the last (3) years or have had a gap in coverage please give us a narrative explanation. 17. a. Numbers of the following personnel: 1. Owners, officers, partners 2. Employed solicitors, brokers, agents 3. Other employees (including clerical) 4. Total sub-agents 5. Total b. List all agency owners, officers, producers, all licensed and non-licensed employees: (Attach separate list if necessary.) (i.e.: Joe Smith / Owner / L&H 14yrs / NASD 6 2yrs / P&C 5yrs) Name WithShow Licenses & Number of Years Licensed for Each:Professional DesignationsPosition/TitleLife/A&H/yrNASD 6/yrNASD 7/yrP&C/yr FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX c. List sub-agents who are not employees to be covered for their acts in the sales and servicing of Life, A & H business written through or on behalf of your agency. (Attach separate list if necessary.) Name with Number of Years Number of Years Commissions Received Exclusive Agent Professional Designations Licensed with your Agency for Business Placed or Non-exclusive 18. Loss Control Questions: a. Have you attended an approved E&O Seminar during the last 15 months  FORMCHECKBOX  Yes  FORMCHECKBOX  No b. Who is responsible for implementing and auditing office procedures? c. Please describe the details of training sessions, courses provided or taken or any continuing education that you or any agency employees have taken or are enrolled in: 19. List any agent associations that you are currently members of: 20. Please describe your orientation program for new employees: 21. Is all incoming mail date stamped?  FORMCHECKBOX  Yes  FORMCHECKBOX  No 22. Is there a procedure for documenting important phone conversations?  FORMCHECKBOX  Yes  FORMCHECKBOX  No 23. Are all policies, riders and endorsements checked for accuracy before mailing?  FORMCHECKBOX  Yes  FORMCHECKBOX  No 24. Does applicant have planned diary, suspense or follow-up system?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Please check:  FORMCHECKBOX  Manual System  FORMCHECKBOX  Automated System Procedures: 25. Please describe the levels of automation within your agency: (i.e.: Production and accounting systems, On-line with carriers, Use of Internet/Website) (Questions #26., #27., #28., & #29. apply for Life and Health Insurance Agents & Brokers E&O Coverage, and also for Mutual Funds or Financial Products Coverage and Property & Casualty Coverage.) 26. Has an application for similar insurance on behalf of the agency, its predecessor in business or any of its present or former owners, partners, executive officers or directors been declined, cancelled or renewal refused?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If "Yes," please explain in detail. [Not applicable in Missouri] 27. During the past five years, has any claim been made against the agency, its predecessor in business, or any of its present or former owners, partners, officers, or directors?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If "Yes," a statement giving details and status of each claim including dates, amount of claim, deductibles, payments, open reserves, name of client and full details of loss, if any, must be attached. 28. Is the agency aware of any circumstance, allegation, contention or incident which may result in any claim being made against the agency, its predecessor in business or any of its present or former owners, partners, officers or directors?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If "Yes," a statement giving complete details including dates and amount of possible claims must be attached. 29. Have there been any fines or disciplinary action, including license suspension, taken against you, your employees, or your associates by any insurance regulatory agency?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If "Yes," a statement giving complete details must be attached. 30. Life and Health Insurance Agents and Brokers Errors and Omissions Coverage. a. Limit of Liability: $ each Loss $ Aggregate b. Deductible: $ Each Loss (An Aggregate deductible or three times your each loss deductible will be applied) c. Desired effective date You may have the option of how your deductible amount, per loss, will be subtracted from each loss. Indicate the option desired: 1. LOSS ONLY; we will pay for loss in excess of the deductible amount up to the limits of liability, providing first dollar defense expense. 2. LOSS AND LITIGATION EXPENSE; the deductible will be applied to both loss and (when applicable) litigation expense as defined in the policy. [Not applicable in Louisiana and New York] 31. Optional Coverage(s): Please check the following option(s) if you currently have or would like to consider coverage for the following: (NOTE: Coverage is subject to Underwriting approval. The available optional coverages vary by state.)  FORMCHECKBOX  Employment Related Practices Liability Insurance (complete ERPLI Application)  FORMCHECKBOX  Mutual Funds/Annuities Coverage (complete Mutual Funds or Financial Products supplemental application on page 6 and 7)  FORMCHECKBOX  Financial Products Coverage (complete Mutual Funds or Financial Products supplemental application on page 6 and 7)  FORMCHECKBOX  Loan Origination Coverage Limits:  FORMCHECKBOX  $500,000/$500,000  FORMCHECKBOX  $1,000,000/$1,000,000  FORMCHECKBOX  $2,000,000/$2,000,000 Name of Loan origination program:  FORMCHECKBOX  Professional Employer Organization E&O Insurance Name of PEO program: SUPPLEMENTAL QUESTIONS FOR MUTUAL FUND OR FINANCIAL PRODUCTS COVERAGE (Definitions for Question #34) Financial Products (Sales of) - The sale of shares of a mutual fund (which is a corporation or trust that is an investment company registered under the Investment Company Act of 1940); and the sale of variable annuities, stocks and bonds, limited partnerships or unit investment trusts. Mutual Funds (Sales of) - The sale of shares of a mutual fund (which is a corporation or trust that is an investment company registered under the Investment Company Act of 1940); and the sale of variable 32. Name of Agency (if not as shown in item 1. of the Application) 33. Address of Agency (if not as shown in item 2. of the Application) 34.a. Show annual income from sales of the following financial products. (See Definitions at top of page) Product Annual Income Product Annual Income Mutual Funds $ Private Placements $ Stocks $ Derivatives $ Bonds $ Variable Annuities $ Unit Investment Trusts $ Others (Specify) $ Limited Partnerships $ TOTAL $ b. Do you own or have an interest in any broker/dealer organization?  FORMCHECKBOX  Yes  FORMCHECKBOX  No c. Provide complete information for all agents for which this Supplemental Coverage is to be provided: (This Supplemental Coverage is available only for those persons included in item 17.b. of the Application.) Licensed NASD Broker/Dealer Coverage Needed Agent Lic. Organization City/State Mutual Funds Financial Products d. Current E&O Coverage with (name of carrier): Expiration Date Retro Date, if any 35. Are you aware of any market conduct or NASD disciplinary actions involving any Broker/Dealer Organizations named in question 34.c. above?  FORMCHECKBOX  Yes  FORMCHECKBOX  No 36. Does product training provided by all Broker/Dealer Organizations named in question 34.c. above include regular training for all sellers of variable products on? Compliance policies required by the Broker/Dealer?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Federal securities laws?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Self-regulatory organization (SRO) rules?  FORMCHECKBOX  Yes  FORMCHECKBOX  No NASD Conduct Rule 2310?  FORMCHECKBOX  Yes  FORMCHECKBOX  No 37. Do you keep customer complaint logs?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If Yes, are customer complaints routed directly to the Compliance Officer of the appropriate Broker/Dealer Organization named in question 34.c. ?  FORMCHECKBOX  Yes  FORMCHECKBOX  No 38. When was the last in-house or external compliance and suitability review completed by each Broker/Dealer Organization named in question 34.c. above? Organizations Dates 39. Do all Broker/Dealer Organizations named in question 34.c. above have Security Broker/Dealer Professional Liability Insurance Coverage?  FORMCHECKBOX  Yes  FORMCHECKBOX  No 40.a. Limits of Liability requested? (See enclosed sheet for limit options): $ Each Loss $ Aggregate b. (Deductible will be same as shown for Question #30.) c. Desired effective date: SUPPLEMENTAL QUESTIONS FOR PROPERTY AND CASUALTY COVERAGE 41. Name of Agency (if not as shown in item 1. of the Application 42. Address of Agency (if not as shown in item 1. of the Application 43. Total gross P&C premiums written annually (new and renewal)? $ 44. Premium Volume of substandard business $ (including surcharged auto, assigned risk pools for auto, workers compensation, property, etc.) This does not include coverage for mobile homes, snowmobiles, motorcycles, long haul trucks, etc. 45. Please give the approximate percentage breakdown of the percentage of Property & Casualty business placed: % Direct with Carriers % Through Brokers (including Surplus Lines) % Through MGA's % Through Retail Agencies % Through Other Insurance Intermediaries % As Broker (including Surplus Lines) % As MGA Total = 100% 46. Please give the approximate percentage breakdown of total premium volume for business received or assumed: % Direct from insureds % From other agencies or brokers Total = 100% 47. Please give the approximate percentage breakdown of total premium volume for: % Personal Lines (excluding Life, A & H) % Commercial Lines Total = 100% 48. Please give the approximate percentage breakdown based on commissions: Commercial Lines % Animal Mortality % Umbrella/Excess % Automobile - Standard % Wet Marine % Automobile - Non Standard % USLH/Harbor Workers % Long Haul Trucking % Workers Compensation % Aviation % Other (Specify) % Bonds - Surety % Total Commercial Lines % Bonds - All Other % Crop Insurance % Fire - Standard % Fire - Non Standard (Fair Plan) % General Property/Casualty % Inland Marine % Professional Liability (Specify) Personal Lines % Auto - Standard % Auto - Non Standard % Homeowners & Standard Fire % Non Standard Fire % Umbrella % Wet Marine - Pleasure Boats % Inland Marine % Other (Specify) % Total Personal Lines 100 % Total Commercial & Personal Lines (TOTAL MUST EQUAL 100%) 49. Please give the approximate percentage of business written on a Surplus Lines basis: 50. Is agency associated with a cluster or similar arrangement?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please attach a detailed description. 51. Please list all the Markets that together account for 100% of your total agency premium volume. (Include P&C, Wholesalers, SIFs, Captives, RRGs, RPGs, etc.) Check appropriate boxes. Company%Business placed direct with insurance companies (AGENT)Business placed through othersBusiness placed as an MGA or Broker FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Coverage may be available for the insolvency for RRGs, RPGs, Self Insured programs or Companies rated NR by AM Best upon written request. Coverage is subject to underwriting approval and receipt of any additional information requested by the underwriter. 52. a. Please list the agency Property and Casualty E&O Carriers for the last three years. If none, so state. CarrierPolicy Number (If previously with Utica)Expiration DateRetro-date (if any)Premiumb. If you have not had Errors and Omissions coverage for the last three years or have had a gap in coverage, please explain why. 53. Please list agency personnel and independent contractors involved in the selling and servicing of Property and Casualty business: Over 20 hours is counted as full time; part time employees are counted as 1/2 each. Please count each employee only once. Name with Professional DesignationLicensed (Yes/No)Years LicensedFull TimePart TimePosition    FORMCHECKBOX  FORMCHECKBOX      FORMCHECKBOX  FORMCHECKBOX      FORMCHECKBOX  FORMCHECKBOX      FORMCHECKBOX  FORMCHECKBOX  54. a. P & C E & O Limit of Liability requested: $ Each Loss $ Aggregate b. Deductible: (Deductible will be as shown for Question # 31.) c. Desired effective date: d. Check desired Optional Coverages (Subject to Underwriting approval. Available coverages may very by state)  FORMCHECKBOX  Contingent Catastrophe Extra Expense Insurance is effective only upon approval by the underwriter and payment of premium. Premium check or draft is subject to collection in accordance with the practices of the collecting bank or banks and the insurance is not bound until the proper amount of the premium check or draft is received by the company. COMPLETE ONLY IF YOU HAVE KENTUCKY LICENSES: As a condition precedent to the issuance of the policy, the insurance agency agrees to notify the Kentucky Department of Insurance of any additions or deletions of licensed personnel within the agency. a. Number of licensed agents for whom a certificate of insurance issued to the Kentucky Department will be necessary. (Attach additional list, if needed.) Name Home Address of Licensed Agent Type of License SS# b. The name of the person who will be responsible for making these filings is: Important Claims-Made Notice The coverage form, which provides Agents Errors and Omissions insurance, applies on a claims-made basis. The following provides a general description of this coverage and is subject to the terms and provisions of the actual policy. A. The Coverage Form will not apply to any losses from incidents, which take place before the Retroactive Date, if any, or after the expiration of the policy period. B. The Coverage Form will apply to losses from incidents which take place on or after the Retroactive Date, if any, but before the beginning of the policy period only if the insured did not know of the incident before the beginning of the policy period and if any claim is made according to D. below. C. The Coverage Form will not apply to any loss for which claim is first made after the expiration of the policy period or any Automatic or Optional Extended Reporting Period described in the Extended Reporting Period section of the Coverage Form. D. The Coverage Form will apply only to claims, which are first made: 1. During the policy period; 2. During the sixty day Automatic Extended Reporting Period described in the Extended Reporting Period Section of the Coverage Form; or 3. During the Optional Extended Reporting Period of 12 months to 120 months duration, as described in the Extended Reporting Period Section of the Coverage Form. a. We will send you a written notice within thirty days after any termination of coverage of costs for and provisions of Extended Reporting Periods. b. The Optional Extended Reporting Period must be requested by the insured in writing, by the later of sixty days after the termination of coverage or thirty days after the date of mailing of the company's notice to the insured of costs for and provisions of Extended Reporting Periods, in order to allow claims to be made against the policy coverage after the expiration of any Automatic Extended Reporting Period. E. For the first three years of claims-made coverage, premium will be comparatively lower than for occurrence coverage, and will increase for each renewal of those policies. Claims-made prices will still be somewhat lower than occurrence prices for mature accounts (in their fourth or later years.) The purchase of Optional Extended Reporting Periods, as described above, requires additional premium payments. IMPORTANT FRAUD INFORMATION See attached "Fraud Statement Addenda" for important Fraud Information regarding the completion of this application. By signing this application you certify that you have read such Fraud Information that applies to you. That addendum will be deemed attached to and made part of this application and to any revisions, supplements or other additions to it. I/WE HEREBY DECLARE that the above statements and particulars are true to the best of our knowledge, that I/we have read and understand the Claims-Made Notice above, that I/we have not suppressed or misstated any material facts and I/we agree that this application shall be the basis of the contract with the Utica Mutual Insurance Company, New Hartford, NY, and deemed a part thereof. It is also acknowledged that the applicant is obligated to report any changes that occur after the date of signature, but prior to the effective date of coverage by owner, partner or officer, signed in ink; carbon or stamped signatures are not acceptable. Name Title Date If policy is issued, one signed copy of the application will be attached to the policy or certificate. Signature to the form and submission of check does not bind the company to complete insurance. IMPORTANT: THIS APPLICATION MUST HAVE FRAUD STATEMENT ADDENDA, FORM 8-A-419 ATTACHED TO IT TO BE CONSIDERED COMPLETE (SEE "IMPORTANT FRAUD INFORMATION" SECTION ABOVE). 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