AZ-Training-Manual-V

Company Profile ...... 2 Insurance Programs ...... 3 Homeowners Programs ...... 3 Dwelling Fire Programs ...... 3 Auto Programs ...... 3 Umbrella Programs ...... 3 Boat Programs ...... 3 Agency Information and Department Contacts ...... 4 Agency Underwriters ...... 4 Customer Service Department ...... 4 Territory Managers ...... 4 Claims Service: ...... 4 Roadsie Assistance ...... 4 Policy Changes ...... 5 Payments ...... 5 Attaching Documents ...... 5 New Business ...... 5 Applications & Supporting Documents ...... 5 Electronic Signatures ...... 5 CSE Insurance Company Homeowners Preferred Programs ...... 6 Underwriting/Binding Guidelines ...... 6 Policy Discounts Available ...... 8 Coverage Comparisons ...... 8 Dwelling Fire DF3 Preferred Program ...... 10 Underwriting/Binding Guidelines ...... 10 Major Features ...... 11 Arizona Preferred Auto ...... 12 Underwriting/Binding Guidelines ...... 12 Policy Discounts Available ...... 14 Coverage Highlights ...... 14 Umbrella Program ...... 16 Arizona Personal Umbrella ...... 16

AZ Training Manual Underwriting – Walnut Creek 800-282-6848 Ver. 20171001 Confidential. Agency Use Only. This information is for ease of comparison and does not change the policy contract in any way. Always refer to the policy contract for coverage information and detail. Information is subject to change without notice.

COMPANY PROFILE For over half a century, Civil Service Employees Insurance Group (CSE) has focused its business on quality protection, affordable rates and long-term relationships with our customers. CSE Insurance Group was founded in 1949 in San Francisco, California with a very specific goal - "to furnish insurance at equitable rates to clients and promote the interests and welfare of public employees". The company grew out of the efforts of Nelson Nichols, a 20-year postal veteran. Nichols' vision for civil servants was to form and own an insurance company that would provide competitive rates for public sector employees. The company's first salespeople were firefighters, police officers, postal workers and other government employees. In the 1980's, CSE extended its offerings to the general public, continuing with its tradition of offering quality protection at affordable prices. Today, CSE's insurance products are sold through independent insurance agents in California, Arizona, Nevada, and Utah. CSE offers a wide range of insurance products to meet your needs, including auto, home, liability and boat. In addition, CSE Insurance offers an outstanding commercial package policy. CSE Insurance Group has earned an A- financial rating from AM Best, the nation's leading insurance rating organization. This rating is based on AM Best's independent opinion of the company's financial strength, operating performance, and ability to meet its obligations to policyholders. We at CSE Insurance are proud of our customer service record. To ensure we are available when you need us the most, we provide access to claims assistance for all of our policyholders 24 hours a day, seven days a week through our "CSE Anytime Claims Service". Customer service is our number one priority.

Civil Service Employees Insurance Company California Certificate of Authority # 1398-7 NAIC ID # 10693 CSE Safeguard Insurance Company California Certificate of Authority # 3008-0 NAIC ID # 18953 Civil Service Employees Insurance Company and CSE Safeguard Insurance Company are domiciled in California and licensed to do business in California, Arizona, Nevada, and Utah.

INSURANCE PROGRAMS

HOMEOWNERS PROGRAMS Civil Service Employees Insurance Company offers a broad range of competitively priced homeowner’s insurance products to suit the needs of the civil service employee and the general public. Each product tailored to the needs of the consumer, offering special discounts and coverage enhancements for the qualifying customer. Available products include stand-alone HO3, HO4 and HO6 including seasonal and secondary residence when the primary is insured through CSE.

DWELLING FIRE PROGRAMS Civil Service Employees Insurance Company offers a standalone DP3 with optional CPL or OL&T. Designed for dwellings used exclusively for residential purposes with no more than 4 units, accepting up to a total of 10 units per customer.

AUTO PROGRAMS Good Drivers can expect to receive a broad range of competitively priced preferred automobile insurance products through Civil Service Employees Insurance Company.

UMBRELLA PROGRAMS Knowing your clients need more protection today than ever before, Civil Service Employees Insurance Company offers an Umbrella program up to $2,000,000 in coverage at a very reasonable price.

BOAT PROGRAMS A Boatowners policy is available to the owner of a watercraft (including sailboats) up to and including 26 feet in length and with a maximum speed of 45 MPH. Watercraft 15 years old or newer are eligible for a CSE Boatowners policy with the maximum acceptable hull insurance of $35,000 and aggregate of $45,000 for all physical damage coverages.

AGENCY INFORMATION AND DEPARTMENT CONTACTS

Your Agency Code: ______Your Agency Administrator: ______Your User ID: ______Your Password: ______Website address: www.cseagents.com Toll Free: 800-282-6848

AGENCY UNDERWRITERS Barbara Lee ...... Ext 6433 ...... [email protected] Joe Dito ...... Ext 6347 ...... [email protected] Angie Estrada ...... Ext 6477 ...... [email protected] John Conduracki AZ/NV ...... Ext. 6399 ...... [email protected] Michael Wettig ...... Ext 6429 ...... [email protected] My Ta - Manager ...... Ext 6402 ...... [email protected]

CUSTOMER SERVICE DEPARTMENT 800-282-6848 ...... Option 2 ...... [email protected]

TERRITORY MANAGERS Vic Alemania……...... 925-448-1767………[email protected] SF Bay Area & Marin, Sonoma, Napa, Santa Cruz, & Monterey counties

Lisa Kelley ...... 916-764-6615…………[email protected] Sacramento & Central CA counties

Gene Knippers…………………….925-286-9438…………[email protected] Arizona & Nevada

Drew Taran ...... 925-357-5844…………[email protected] San Luis Obispo, Santa Barbara, Ventura & Los Angeles counties

Kim Cook ...... 925-330-8346 ...... [email protected] San Bernardino, Orange, Riverside, San Diego & Imperial counties

Deirdre Meola ...... 650-245-8710…………[email protected] Field Trainer

CLAIMS SERVICE: 24 Hour Service…………………...888-236-5584 Auto Glass Only…………………. 888-392-9684 Pasadena ...... 626-440-5800

ROADSIDE ASSISTANCE Toll Free ...... 800-282-6848 ...... Option 3

POLICY CHANGES

PAYMENTS Insureds can make payments: • at http://cseinsurance.com/ Agents can make payments from any tab within a SPInn policy by clicking on Make Payment. Make Payment is also available on the Customer Policy List. Mail Payments to: Cashiers CSE Insurance Group PO Box 8041 Walnut Creek, CA 94596-8041 Overnight Payments should be sent to: CSE Insurance Group 2121 N. California Blvd, Ste 900 Walnut Creek, CA 94596-3501

ATTACHING DOCUMENTS Documents should be attached to the policy.

Go to the Policy File tab of any policy and choose Scan/Attach under Actions.

NEW BUSINESS All new business should be submitted through SPInn at: https://spinn.csespi.com

APPLICATIONS & SUPPORTING DOCUMENTS If not processed through SPInn electronic signatures, all applications must be signed and retained in your agency file and must be attached to the policy. All other supporting documents must be attached to the policy when the policy is issued.

ELECTRONIC SIGNATURES Electronic signatures are now the preferred method on new business applications If your insured does not have email, please follow these steps to opt out of E-Signatures: • Do not issue the policy but leave as a new business application • Attach the signed application and contact your underwriter to review • Underwriter will issue policy if acceptable or advise if declined • If you issue the policy, contact customer service at [email protected] or your underwriter to Void e-signatures within 5 days of policy issuance or a Notice of Cancellation will generate for lack of signatures.

CSE INSURANCE COMPANY HOMEOWNERS PREFERRED PROGRAMS

UNDERWRITING/BINDING GUIDELINES

Policy Forms Available HO3 HO4 & HO6

# of Units 1-2 Family Dwellings N/A

Minimum Coverage $100,000 HO4 $25,000 HO6 $25,000 Maximum for Binding $1,200,000 Coverage C: Coverage A: HO4 $250,000 HO6 $250,000 HO6 $250,000 (HO32)

Minimum Premium $200 N/A

SQFT - Minimum 800 sq. ft.

Seasonal / Secondary *Exception: Snowbirds may be written if they meet Exception: Residences: CSE must write the the following: 1. Have a professional property HO6 Rented to Others acceptable with primary residence management company, local relative or full time HO33 endorsement resident neighbor with contact information looking after the property when unoccupied. 2. Contact your underwriter for prior approval or for additional requirements.

Liability Limits Offered $100,000-$1,000,000 $100,000 - $500,000

Deductibles $500, $1000, $2500, $5000, $7500 & $10,000 $250, $500, $1000, $2500 & $5000 Separate Water Damage: $5000, $7500 & $10,000

Determining Replacement Cost MSB RCT

Payment Plans Pay in Full Checks, Credit Cards and Direct Bill 4 Pay: 25% down + 3 remaining installments Electronic Checks accepted Direct Bill 6 Pay: 16.7% down + 5 remaining installments Direct Bill Plans have a $6 Installment Fee EFT 11 Pay: 16.7% down + 10 remaining installments No Installment Fee for EFT

Late Fee & NSF Fee $15

Check Payable to CSE Insurance Group or EFT from Agents Trust Account

Binding Authority All applications must be completed in full and submitted within 10 days of binding

Year Built No Age restriction but must meet Update Requirements

Update Requirements Dwellings over 30 years old must have had plumbing, heating and electrical updates within the last 30 years. If the home’s electrical system is on circuit breakers and plumbing system is made of copper, no updates will be required for these two items.

Electrical - The electrical system Circuit Breakers required must be in good condition with a No aluminum wiring minimum 100 AMP capacity service No knob and tube panel

Galvanized Plumbing Acceptable if not over 40 years old & deductible is at least $1,000

Roofs - must be in good condition Tar & gravel or flat roofs eligible if replaced within the last 20 years; and show no visible signs of wear Composition/Asphalt Shingle roofs acceptable if replaced within the last 30 years. or deterioration No wood shake roofs allowed for moderate ISO Fireline score.

Protection Class 1-7 and properties using the suburban rating rule are eligible; 8-10 ineligible

ISO Wildfire Risk Assessment ISO Fireline scores of high or extreme are ineligible, moderate cannot have a wood shake roof.

UNDERWRITING/BINDING GUIDELINES

Policy Forms Available HO3 HO4 & HO6

Losses in the past 3 Years Applicants that have had any of the following in the past three years are ineligible: The loss follows the insured and • Any liability loss the surcharge applies if the loss • More than one theft loss occurred at the insured location. • More than one water loss Cat losses and total losses are • Any loss where steps have not been taken to mitigate future losses included. • More than two losses > $500 If the loss is not associated to the named insured, it will not be surcharged.

Loss Surcharging Prior 3-year claim count > $500 Factor If the loss is not associated to the 0 0.98 named insured, it will not be 1 1.30 surcharged. 2 2.70

Clue Report Required for eligibility and runs automatically when application is created in SPInn.

Supporting Business Not Required

Earthquake Not Available Dogs Eligible: all breeds* except Presa Canarios, Working American Bulldogs, Mastiffs (all types) or any mixed breeds containing these dog types. Any dog with a prior bite history. *Risks with Doberman-Pinschers, Rottweilers, Pit-Bulls (aka American Staffordshire Terriers), Akitas, or Chows are acceptable; however, there is no liability or medical payment coverage under the policy for losses caused by these breeds.

Bars on Windows Acceptable if Windows are covered by releasable security bar in all living areas

Pools – Yard must be fenced Pools and Diving boards are acceptable if up to current code. Slides are ineligible. Swimming Pool surcharge of $15 is applied

Ineligible Tier 29 of Financial Stability Factor table per the Choicepoint report, history of late pays, collections, bankruptcy, bad debts, liens, or judgments Homes in foreclosure or pre-foreclosure or purchased through distressed financial sales Modular & Manufactured Homes Dwellings built on piers or posts, fill/bay mud, over 35% slope or; within 1,000 feet of any ocean, bay, or large body of water Trampolines Course of Construction Architecturally unique (e.g.; geodesic, log homes, Victorian or Edwardian) LLC as Named Insured – may be added as Additional Insured Non-domesticated animals (i.e., Large Cats, Wolf Hybrid dogs, Bears, Snakes, etc.) Risks within 1 mile radius of active wildfire Farming exposures, where income is derived from farming activities Vacant Reporters, authors, editors/publishers of newspapers and/or magazines, Broadcasters, television, and/or radio personalities, Professional actors, athletes, entertainers, or celebrities Mobile homes, trailer homes, and house trailers Manufactured homes without a permanent foundation and wood frame construction

POLICY DISCOUNTS AVAILABLE

Policy Forms Available HO3 HO4 & HO6

Multi Policy Auto 17% Auto: 10% Dwelling Fire 3% Umbrella 2% Note: Discounts can only be combined by different categories. The overall discount cannot exceed 24%

Professional Occupation 5% for Accountants, Actuaries, Pharmacists, Scientists, Engineers, Farmers, Clergy, Physical Discounts Therapists

Civil Servant Discount Educator 10% Teachers 10% See underwriting manual for Law Enforcement Officer 10% Law Enforcement Officer 10% definition of a civil servant. Government Firefighter 10% Government Firefighter 15% Civil Servant- Other 10% Professor 10%

Loyalty Continuous Renewals Discount Not available 1 3% 2 4% 3+ 5%

Roofs Tile: 10% Credit N/A

Premises Alarm or Fire Fire Alarm Report to Fire Dept. 5% Central station burglar alarm 7% Protection System Fire Alarm Report to Central Station 9% Central station fire alarm 7% Note: The highest discount in Gas Shut Off Valve 3% Burglar alarm system that 6% each category takes precedence Complete Local Burglar Alarm 2% alerts the police department in that category. Discounts can Burglar Alarm Report to Police Dept. 5% Fire alarm system that alerts 6% only be combined by different Burglar Alarm Report to Central Station 9% the fire department categories. Gated and Guarded Community 3% Local burglar and/or fire 5% Water Leak Detection Device 3% alarm system (smoke detector)

Newer Home Credit Up to 22% based on year built Not available

Neighborhood Watch Credit 5% $10

Residence must be within the boundaries of a neighborhood crime watch area & insured must be an active, participating member of that neighborhood crime watch area

Senior Discount 5% - one of the named insureds must be age 55 or 15% - one of the named insureds must be Applies to insured’s principal older at age 60 or over residence only

CSE Agent Discount 5% CSE appointed agents receive a credit N/A

Claims Free Discount 2% No losses associated to the named insured within the N/A last 3 years

COVERAGE COMPARISONS

Policy Forms Available HO3 HO4 & HO6

Extended Replacement Cost 150% N/A Coverage A Deluxe Endorsement: 175%

Personal Property Limits 70% of Coverage A / Broad Form Perils Add H500 endorsement Coverage C Deluxe: 70% of Coverage A / All Risk

Building & Ordinance 10% of Coverage A included N/A Deluxe: 20% of coverage A and is not an additional amount of insurance; subject to the limit of Coverage A

Personal Injury Included under bodily injury definition Add HO82 endorsement

COVERAGE COMPARISONS

Policy Forms Available HO3 HO4 & HO6

Equipment Breakdown Adds mechanical breakdown & electrical disturbance coverage. $500 deductible/$50,000 per Endorsement - $27 occurrence limit for dwelling, contents and appurtenant structures.

Service Line - $15 $10,000 limit N/A

Identity Recovery Coverage $15 Included in Deluxe endorsement $15

Pathogenic Organisms $5,000 Base’ Deluxe: $10,000 Not Available

Backup of sewers and drains $3,000 under Coverage A&C Not Available (see policy conditions) Deluxe: $7,500 under Coverage A&C

Securities, accounts, deeds, etc $5,000 $1,000

Watercraft $3,500 $1,000

Inland Marine Binding Authority For any one item: lesser of $30,000 or 20% of Unscheduled Personal Property (Coverage C) limit

Scheduled Personal Property Categories: Fine Arts, Musical Equipment, Silverware, Jewelry, Firearms, Bicycles, Cameras, Furs, See Underwriting Manual for Rate Golfer's Equipment, Stamps, Rare Coins, Sporting Equipment, Trading Cards and Comic Books Jewelry, watches, furs $2,500 per item $1,000 but may be increased to $10,000 (see contract) $10,000 aggregate max/$2,500 per item

Firearms $2,500 $2,000

Silverware, silverplated ware $3,000 per item; $10,000 aggregate $2,500

Business Personal Property $10,000 on premises; $1,000 away from premises $2,500 on premises; $250 away

Re-Key Locks due to theft $1,000 Not Available

Computer & computer related Up to $5,000 on electronic data processing hardware & No coverage equipment on premises related equipment, which is otherwise excluded by this form

Rug, Carpet ( except wall-to- $2,500 per item; $7,500 aggregate Not applicable wall carpets) or tapestry Antiques, fine arts, paintings See Contract. (see policy)

Compact discs, cassettes, $5,000 tapes, electronic games, etc.

Debris Removal $500

Loss Assessment $5,000 $1,000

Fences Replacement Cost

Loss Settlement Provision We will pay the cost to repair or replace without deduction for depreciation. See contract for Coverage A or B additional conditions

Government Owned Property $500 Not Applicable Coverage for government owned There is no coverage for electronic equipment, property in your care, custody or computers, and computer software, sound receiving and control or for your personal transmitting equipment, for equipment designed for the property regularly used for reproduction of sound or other devices for use with government business while it is equipment designed for the reproduction of sound. away from the residence premises.

Spoilage of Food $500 Not available

Golf Carts $2,000 ($500 deductible applies) Not available

Additional Living Expense - for $200 per month for up to 3 months Not available a child under age 21 attending school more than 30 miles from residence premises

DWELLING FIRE DF3 PREFERRED PROGRAM

UNDERWRITING/BINDING GUIDELINES

Company CSE Insurance Company Policy Forms Available DF3 Condo Rented to Others: when rating a condo rented to others use the CSE HO6 Program (pg.6) and add the HO33/Condo rented to others endorsement

Number of Families 1-4 Owner or Tenant occupied

Maximum Number of Tenant 10 Units per Insured not Structure for binding - exceptions may be considered, contact underwriter Occupied Units Minimum Coverage A with $70,000 Non-Metro Primary Homeowners $80,000 Metro

Minimum Coverage A without $120,000 Non-Metro Primary Homeowners $150,000 Metro Loss Free for the past 3 yrs

Maximum for Binding $1,200,000. Submit Higher Limits to Underwriting for Approval.

SQFT Minimum 800 SQFT minimum

Seasonal/Secondary Primary required Residences CPL or OL&T Limits $100,000, $300,000, $500,000 Umbrellas available separately

Medical Payments $1,000 Maximum

Deductibles $250, $500, $1000, $2500

Determining Replacement Cost Run MSB RCT to determine replacement value

Payment Plans Pay in Full Checks, Credit Cards and Direct Bill 4 Pay: 25% down + 3 remaining installments Electronic Checks accepted Direct Bill 6 Pay: 16.7% down + 5 remaining installments Direct Bill Plans have a $4 EFT 11 Pay: 16.7% down + 10 remaining installments Installment Fee No Installment Fee for EFT

Reinstatement Fee $4

Check Payable to CSE Insurance Group or EFT from Agents Trust Account

Binding Authority 10 days from effective date, application must be uploaded & trailing docs faxed within 24 hrs

Year Built No age restriction see Update Requirements

Updates Over 30 yrs: Must be Updated/Up to Code. Galvanized plumbing acceptable if not over 40 years old & deductible is at least $1,000. Circuit Breakers required.

Roofs – Replacement Over 20 yrs: Tar & gravel or flat roofs Requirements Over 30 yrs: Composition/Asphalt Shingle roofs Wood shake roofs ineligible.

Brush Area Ineligible. May be submitted non-bound. Refer to requirements in AZ Fire UWGL

Protection Class 1-7 and properties using the suburban rating rule are eligible. Protection Class 8-10 ineligible.

Losses in past 3 yrs. Ineligible if applicants had any of the following losses in the past three years: • Liability, Theft/Vandalism or Water • Any loss over $5000 • Two (2) or more losses

UNDERWRITING/BINDING GUIDELINES

Clue Report Required for eligibility and runs automatically when application is created in SPInn.

Supporting Business Secondary / seasonal requires primary.

Modular & Manufactured Eligible with permanent foundation and wood frame construction. No Mobile Homes Homes

Ineligible Animals • Guard dogs & dog breeds with a known propensity for viciousness, such as Chows, Akitas, Doberman-Pinschers, Pit-bulls (a.k.a. American Staffordshire Terrier), Working American Bulldogs, Presa Canarios,Mastiffs (all types), & Rottweilers, or any mixed breeds containing the above dog types. • Non-domesticated animals (i.e., Large Cats, Wolf Hybrid dogs, Bears, Snakes, etc). • Any dog with a prior bite history.

Bars on Windows Must be releasable in all living areas

Pools Pools and Diving boards are acceptable if up to current code. Free-standing slides are ineligible.

Ineligible Homes in foreclosure or pre-foreclosure Dwellings purchased through distressed financial sales Dwellings built on piers or posts, fill/bay mud, over 35% slope or; within 1,000 feet of any ocean, bay, or large body of water Trampolines Architecturally unique (e.g.; geodesic, log homes, Victorian or Edwardian) Course of Construction Corporations Non-domesticated animals (i.e., Large Cats, Wolf Hybrid dogs, Bears, Snakes, etc) Risks within a 1 mile radius of an active wildfire * see AZ Fire Underwriting Guidelines for full list Risks located on more than 5 acres of land

MAJOR FEATURES

Company CSE Insurance Company Replacement Cost Protection 125% when policy is endorsed with D515 $10 Additional Premium Dwelling must be insured to 100% replacement cost

Building & Ordinance 10% of Coverage A and is an additional amount of insurance

Personal Injury Available by adding Personal Injury Form F.31890B. Exclusions apply, refer to endorsement.

Other Structures The insured may use up to 10% of the Coverage A limit of liability for loss by a peril insured against to other structures described in coverage B. Use of this coverage does not reduce Coverage A limit of liability for the same loss.

Loss Assessment $1,000 Maximum (Not available on tenant occupied)

Pathogenic Organisms $5,000 limitation for clean-up/removal. Ensuing damages as a result of a covered loss must be reported within 180 days of the date of a covered loss. See endorsement for further restrictions.

Backup of sewers and drains Not available (see policy conditions) Increased Limits of Fair Rental Available by endorsement Value Rental Value and Additional The insured may use up to 10% of Coverage A limit of liability for the loss of both fair rental value, Living Expense as described in Coverage D, and additional living expense as described in Coverage E. Use if this coverage does not reduce the Coverage A limit of liability for the same loss.

V&MM Included if home is not vacant more than 30 consecutive days. No maximum limit.

ARIZONA PREFERRED AUTO PROGRAM

UNDERWRITING/BINDING GUIDELINES

Operator Ineligibility • Drivers with Motor Vehicle Records (MVR) indicating two or more CSE points, including citations, physical damage accidents, or a combination, thereof, within the last 36 months (60 months?) • Drivers with Motor Vehicle Records (MVR) indicating at fault bodily injury accidents. • Underage operators licensed less than 3 years with no supporting CSE auto policy issued in the name of the parent or legal guardian of the underage operator • Drivers with Foreign or International license • Drivers with the following status on their license: Suspended, Revoked, Cancelled, Denied, ID only, Disqualified and Deceased • Insureds not residing in Arizona • Non-owner policies • Operators with 3 or more Not-At-Fault accidents within the last 36 months (excludes comprehensive losses)

Policy Term 6 or 12 months term

New Business & Additional/Replacement Vehicle—no photos or inspection required unless the vehicle Photos and Inspection was previously liability only and physical damage is now being added *Salvaged Vehicles require photos, inspection and certified mechanical statement

Maximum BI Limits $500,000/ $1,000,000

Maximum PD/UMPD Limits $250,000/ $3,500

Maximum UMBI Limits $500,000/ $1,000,000

Comprehensive $100, $250, $500, $750, $1000, $1500, $2000 Deductibles

Collision Deductibles $100, $200, $300, $500, $750, $1000, $1500, $2000

Annual Minimum BI 50 UIMBI 10 Premiums PD 40 UMPD 10

Minimums are applied at Coll 50 UIMPD 10 vehicle/coverage level Comp 70 MedPay 15 UMBI 15

The annual minimum for the Comprehensive coverage of Trailers is $40.

Assignment of Driver Refer to Underwriting Guidelines/Driver Rating

Unlisted Resident Family A $1,000 deductible will apply besides any other applicable policy deductible shown on the declarations Members page for the coverage.

Operator Definition An operator is any licensed person who has access to the named insured’s vehicle(s). All persons in the household of driving age must be declared on the application for underwriting purposes.

License Requirements Each principal or occasional operator in the household must have verifiable driving experience with a valid permanent license issued in Arizona. Resident members of the household, holding a permit, are considered permissive drivers (if named insureds have given permission to drive an insured vehicle) while driving with a qualified licensed driver. Permit drivers must be added onto the policy as drivers when a permanent license is acquired.

Operators under 20 or Parents’ auto insurance must be written with CSE at time of application, must reside in same household, Licensed Less than 3 Yrs must have a temporary driver’s license

Conviction and Accident Citation points follow the driver and surcharge will apply to the vehicle the driver is rated on. Accident Surcharges surcharges will be split between the two highest rated vehicles on a multi-car policy. Accident surcharge is assessed against the policy and does not follow the driver or vehicle involved in the accident. The surcharge will be split between the two highest rated vehicles on a multi-car policy (all accident points are divided by two and corresponding factor is applied to the two highest rated cars).

Named Driver Exclusions For each driver in the household who is ineligible, a Named Driver Exclusion may be issued for that driver. The completed form F.33065B must be signed by the named insured & attached to the policy. Named insureds can be excluded. Underwriting approval of the named driver exclusion is required.

UNDERWRITING/BINDING GUIDELINES

Unacceptable Vehicles & • Private passenger vehicles including Pick-Up trucks weighing more than 10,000 lbs. gross laden Usage weight. Gross laden weight includes gross weight of vehicle (vehicle weight including all fluids) and load capacity of vehicle (carrying capacity). Refer to manual for rules on • Vehicles not registered in the U.S. Altered, Specially Built, or Kit • Vehicles not predominantly garaged in Arizona. Car Vehicle; Motor Homes, & • Buses, trucks, or automobiles converted to motor homes. Golf Carts; Antiques; Stated • Vehicles not licensed for street usage. Amount; Gray Market • Vehicles used for racing or speed contests. • Vehicles and motor homes rented or leased to others. • Motor homes with more than 2 axles or more than 6 wheels. • Homemade (non-manufactured) motor homes. • Vehicle used as a residence. • Gray market vehicles. • Salvage titled vehicle are eligible for liability only coverage. • All business usage (see Vehicle Usage Definitions for exception for “sales” usage). Vehicles used for Transportation Network Companies are eligible if they purchased Rideshare Endorsement. • Vehicle symbol P or greater ($80,000). • Vehicles with existing damage.

30 days to notify us; If the insured requests Collision coverage, and there is none on the current policy, Newly Acquired vehicles the insured must notify us within 30 days of acquiring a vehicle to have continuous coverage from the date purchased

Payment Plans Direct Bill Plans have a $6 Installment Fee Check, Credit Cards and Electronic Checks accepted All Terms Pay in Full Direct Bill 5 Pay: 33% down + fees

4 equal remaining installments Full Pay, Direct Bill 2 Pay, & EFT Receive 5% 6 Month Term EFT 5 Pay: 33% down + fees Discount 4 equal remaining installments EFT 6 Pay: 16.7% down +fees 5 equal remaining installments Annual Term Direct Bill 2 Pay: 50% down + fees No Installment Fee for EFT 1 remaining installment Direct Bill 11 Pay: 16.7% down + fees 10 equal remaining installments EFT 12 Pay: 1/12 down + fees 11 equal remaining installments

NSF Fee $25.00

Insured-Initiated The named insured may request the policy to be canceled at any time during the policy period. The Cancellation cancellation request must include policy number and must be signed and dated by the named insured, with the cancellation effective date indicated. If insurance is canceled at the request of the insured, the earned premium shall be computed on a pro-rata basis.

Scheduled Golf Carts Must be properly registered with the state for use on public roadways, written in conjunction with at least one passenger auto, Medical Payments Coverage is not available, a mandatory $100 deductible applies to both comprehensive & collision

Stated Amount/Antique Refer to manual for definition and coverages Autos Non-owned trailer $500

Golf Cart Collision Golf Cart Collision coverage limit of $1,500 if there is no other coverage

Clothing & Luggage If you have a comprehensive loss: We will pay up to $250 for loss of clothing & luggage including professional clothing and equipment of a public employee.

Educator Coverage Educators receive a waived deductible if their vehicle is vandalized or in a collision while parked at Feature school or at a school function.

Aftermarket Equipment Loss to aftermarket equipment designed for transmission or reproduction of sound is excluded unless the equipment is permanently installed in "your covered auto"; maximum limit of $1,000 applies

Mexico Coverage No coverage

POLICY DISCOUNTS AVAILABLE

Ultra-Preferred Driver 20% no chargeable accidents or chargeable citations in the past 5 years

Preferred Driver 10% no chargeable accidents or chargeable citations in the past 3 years

HO3 20% HO6 6% Multi Policy Discounts HO4 4% Umbrella 2%

Multi-Car Discount 10% More than one car on the policy. See Manual for exceptions.

Full Pay, 2 Pay Plan, & EFT 5% Credit

Teen Discount 10% This discount applies if your policyholder has held a CSE auto policy for more than one year and adds an operator under the age of 20 who has had his/her license for less than 1 year. Applies to new teens on existing policies for up to a 3-year period.

Good Student Discount 5%

Public Employee 5% Discounts Public Employee A government employee is any person who is employed on a permanent, full time basis in the public service or has retired from such employment. This definition includes the surviving spouse of a government employee Public Employee - Educator A civil servant educator is a (a) civil servant credentialed as a teacher or educational administrator by the State of Arizona Commission on Teacher Credentialing and employed by a public school or school board or (b) A college or university teacher or professor employed by a public university or college or (c) a retiree from groups (a) or (b). Public Employee – Firefighter Any full time or retired civil servant who is a Firefighter. Public Employee - Law Enforcement Consists of police officers, sheriffs, FBI agents, Secret Service agents, officers of the Department of Homeland Security, Prison Guard and Border Patrol Enforcement personnel, probation and pretrial officers and other comparable sworn law enforcement positions. Law enforcement officers do not include military personnel even if military police.

Loyalty Discount 1 to 2 years 1% 2 to 3 years 2% 3 or more years 3%

OPTIONAL COVERAGES

Enhanced Rental Reimbursement Limit Base Rate Base contract includes $25 / $400 $35 / $900 $35.00 Vehicle must have comp and collision $50 / $1500 $50.00 $75 / $2100 $120.00

Roadside Assistance Emergency towing up to 100 miles; Dead battery/jump-start; Emergency fuel delivery; Flat Base Rate $12.40 tire change Lockout assistance; Roadside winching *Can be added to new business on any vehicle including liability-only vehicles. Loan/Lease Gap Must have a comprehensive and collision coverage on the vehicle Pays for the amount owed in excess of Covered auto must be brand new (i.e., not previously titled) the actual cash value of the covered auto Coverage must be requested within six months of leasing or financing a vehicle A lessor or lienholder can only be a financial institution, not a private individual *Applies until the 1st renewal when the Loan/Lease Gap & Equivalent Replacement Cost cannot be purchased for the same model year reaches 6 years automobile Pricing: 5% of comp & collision total premium at base deductible

Equivalent Replacement Cost Must request this endorsement within one month of purchase date In the event of a covered loss which has The vehicle model year must be less than 1 years old at the time this coverage is added been declared a total loss, CSE will Must be a brand new, not previously titled, “private passenger auto, pickup or van” purchase a replacement vehicle for the Requires Comprehensive and Collision coverage covered auto Cannot be purchased in conjunction with Loan/Lease Gap coverage * Removed at 1st renewal when model Pricing: 10% of Coll total premium at base deductible year is 3 years old

POLICY DISCOUNTS AVAILABLE

Rideshare Must specify the vehicle(s) covered and the specific listed driver(s) Extends coverages on the Declarations The listed driver must be Good Drivers for renewal business and clean driver for new page during the time-period commencing business when the auto is available to accept Must be a “private passenger auto, pickup or van” transportation requests for passengers or Requires Comprehensive and Collision coverage property for compensation through a Only period 1 covered digital network or similar connection used Not available for non-owned auto by a transportation network company Base policy requires BI/PD limit of 50/100/30 and ending when the auto is engaged in a prearranged ride. Pricing: 8% of total premium

Original Equipment Manufacturer Must be a “private passenger auto, pickup or van” Pays for the cost to repair or replace the Requires Comprehensive and Collision coverage property/part to its physical condition Gray Market vehicles and/or vehicles with model year older than 10 years are ineligible based on the cost of new parts produced Will be removed at renewal when the vehicle Model Year reaches 10 years of age* by or for the covered auto’s manufacturer In the event of a total loss, we will pay for the actual cash value of the car Pricing: 15% of comp & collision total premium

Medical Parts and Accessibility Installation of one or more of the following that were not permanently installed at purchase Allows scheduling of customized or considered other than original equipment from the manufacturer qualify: equipment if not permanently installed at Wheelchair lifts and accessibility customizations; Special carpeting, furniture or insulation; purchase or considered other than Engine, drive train, suspension, mechanical or body components intended to enhance original equipment from the vehicle performance or appearance; Custom murals, paint, paintings or other decals or manufacturer. graphics; Chrome, reverse chrome, alloy or magnesium wheels or chrome engine Comprehensive required accessories; and/or T-bar roofs, roll bars, light bars and grille guards. *Additional customizing equipment coverage may be purchased on a stated amount basis in increment of $500 for any “private passenger auto, pickup or van” for physical damage coverage

Full Glass Pays for the cost of repairing or replacing damaged Glass on your covered auto without a Comprehensive required deductible

COVERAGE BUNDLES

Basic Plus Premier

✓ Roadside Assistance Roadside Assistance Roadside Assistance

✓ Enhanced Rental Enhanced Rental Reimbursement Enhanced Rental Reimbursement Reimbursement

✓ Full Coverage Full Coverage Full Coverage

✓ BI/PD limit of 100/300/100 BI/PD limit of 100/300/100 BI/PD limit of 250/500/250

✓ Full Glass Full Glass

✓ Original Equipment Manufacturer Original Equipment Manufacturer

✓ Loan Lease Gap: brand new loaned/leased car ▪ Or ✓ Equivalent Replacement Cost: brand new, paid- off purchased car

UMBRELLA PROGRAM

ARIZONA PERSONAL UMBRELLA

Walnut Creek Underwriting: 800-282-6848 Coverage Limits Available: $1,000,000 and $2,000,000 ELIGIBILITY CRITERIA:  CSE must write the Automobile* underlying insurance with minimum limits of BI: $250,000 Each Person/$500,000 Each Occurrence PD: $100,000 All drivers must be listed on both the CSE Auto & Umbrella policy for afforded coverage  Underlying Personal Liability Limits of $300,000 must be in effect on all Homeowners ($500,000 if other than CSE) & owner occupied Dwelling Fire policies must include Personal Injury  CSE requires a self-insured retention limit of $1,000 for occurrences not covered under the required underlying insurance policies. *Automobiles include snowmobiles and other miscellaneous land motor vehicles requiring registration except motorcycles that are excluded from the policy. BASIC FORM AND COVERAGE: Personal Umbrella Liability Policy provides personal excess liability coverage for loss resulting from bodily injury, property damage, and personal injury in excess of any applicable underlying insurance, subject to policy terms and conditions and a self- insured retention of $1,000. The following risks are ineligible for the PUL policy:  Prior liability claims of $10,000 or more in the past 5 years (New business Only)  Reporters, writers, editors, publishers of newspapers/magazines, broadcaster, television, or radio personalities  Professional actors, athletes, or entertainers  Politicians, labor union leaders or officers (as primary occupation), or candidates for public office  Watercraft operated outside of US territorial waters  Motorcycles  Jet skis, jet sleds, Wave Runners, Sea Doos, Bombardiers, or any other personal watercraft  Watercraft exceeding 50 feet in length and Watercraft exceeding 390 horsepower or 45 MPH  Watercraft used in any racing or sailing competition  ATV's (All types)  Youthful operators under 21 with more than 1 A/F accident or moving violation totaling 1 chargeable point  Unrelated named insureds

The following risks require approval from CSE prior to quoting or binding:  Authors  Elected or appointed judges or school board members  Persons who are in the public spotlight and are frequently quoted in newspapers, magazines, TV, radio, or other periodicals or media  Clergymen  Requests for business pursuits or business property  Requests for $2,000,000 in coverage

ADDITIONAL REQUIREMENTS: Residences  Underlying insurance for all residences; including rental properties of 4 units or less, private residences, covered watercraft owned by, or leased or rented to the named insured or any member of the named insured's household, must be on a comprehensive basis and have limits of liability not less than $300,000 each occurrence.  No more than 10 rental units in total can be covered on the PUL policy.

Underlying Insurance Carriers other than CSE  Must be a standard carrier (i.e. no coverage through assigned risks, joint underwriting associations, or any other residual market or non-standard facility)  Be domiciled in the USA  Have an AM Best rating of B++ or better  Must have a minimum liability limit of $500,000  Other restrictions apply: see Umbrella Underwriting Guidelines at cseagents.com

Binding Authority:  All CSE-appointed agents must submit applications for approval to underwriting prior to binding

Premium Payment:  Policy premium is due and payable in full at the beginning of the policy period.  Minimum policy premium limits:  $150 minimum policy premium for each annual period or part thereof  $25 minimum earned premium (policy premium less return premium), regardless of policy period

Rating & Submittal:  Rate in SPInn program by starting New Quote from an existing customer.  Tip: The umbrella premium for policies with auto limits of $250/$500 is much higher than for policies with $500/$500. It is usually less expensive to increase the auto underlying limits than write the umbrella over $250/$500 limits.  All umbrella risks must be submitted through SPInn  Attach copies of all policies for coverages not with CSE and all signed exclusion endorsements directly to the SPInn umbrella application.

Agent Use Only – This information is for the ease of comparison only and does not change the contract in any way. Always refer to the policy contract and underwriting guidelines for details and information. Subject to change without notice.