Bamboo

Click here to sign up now! WIAA agents may quote, issue and service directly.

Click here to register for one of Bamboo's 3 live training sessions and click here to set up IVANS downloads to your agency management system.

Bamboo HO3 and Dwelling Fire Highlights:

• Dwelling Coverage limit $70K - $2Million for HO3 and DP1/DP3
• No proof of prior insurance required
• No plumbing, heating or electrical updates needed
• Trusts/LLC acceptable
• All dog breeds accepted
• Difference in Condition available

Palomar Specialty

Click here to sign up now! Please identify yourself as a WIAA partner by answering "Yes" to the question "Are you currently placing business through an Aggregator, Cluster or Network?" and list WIAA to ensure you are correctly coded to WIAA.

Palomar EQ and Flood Highlights:

• Stand-alone EQ (must have existing homeowners or dwelling fire property insurance)
• Condo and renters EQ policy options available in CA
• Flood Guard is an admitted alternative to the National Flood Insurance Program
• Flood Guard has no waiting period, no elevation certificate requirement
• Both EQ and Flood guard offer payment plans and lender billing

Workers’ Compensation (monoline only)

• Min. policy premium is $500
• 3 years of Currently Valued Loss Runs
• New ventures accepted
• CLICK HERE for appetite guide

Artisan Contractor Program Eligible Classes:

Most Popular Classes:

All Other Classes

For Underwriting and service requests, please call WIAA at 800-553-4221. For Claims and Billing, please call Nationwide at 800-282-1446.

Personal Lines Products:

• Auto – 50/100/25 minimum limits. 100/300/50 preferred. 500/500 max limits. Stand alone ok. Good drivers only; newly licensed dependent children with clean MVR ok on family accounts.
• Autos must be registered to named insured or corporation solely owned by an individual, husband and wife or Registered Domestic Partner
• Occupation discounts available (must submit proof): scientists, engineers, credentialed teacher/professor, physician, registered nurse, pharmacist, veterinarian, dentist, accountant, firefighter, paramedics/EMT, pilot, law enforcement officer, business owner and accredited college alumni.
• Home – Stand alone ok. Up to $1.5 Mil with UW approval
• All dog breeds accepted but no coverage will be provided for aggressive dog breeds
• HO6 – Up to $200K Coverage A. $10K min Cov A.
• HO4 – UP to $200K Coverage C
• Dwelling Fire -Up to $750K Coverage A (must have primary home)
• Personal Umbrella – Available. Must insure auto, home and any other lines with Allied. 250/500/100 minimum underlying auto limits

Please call WIAA at 800-553-4221 for all underwriting, service requests, and billing questions. For Claims, please call The Hartford at 800-624-5578.

Personal Lines Products:

All new business must meet auto and home appetite below. AARP and non-AARP rates available. Best rates are with AARP membership. Click here to check status of AARP membership or pay renewal.

Auto Appetite

• Stand alone OK. Packaged business preferred
• Mature households ages 50+
• Higher limits 100/300K+
• Good driving history
• Good/higher insurance score
• Full coverage vehicles
• Multi-car household
• Prior insurance history
• Accurate and verified miles
• Save up to 15% off Auto by packaging with Home!

Home Appetite

• Packaged with auto preferred but monoline homes OK
• Property must be well maintained/show pride of ownership
• HO3/HO5: $200K Minimum Coverage A
• HO4/HO6: $25K Minimum Coverage C
• No prior losses
• Good/higher insurance score
• Deductible $1,000+
• Save up to 30% off Home by packaging with Auto!
• Home – Up to 1.5 Mil in-house. Anything higher will be referred. Single family and duplexes only
• High Valued Primary and Secondary homes $1.5 mil and over must have central station fire and burglar alarm
• Must collect down payment of 25% via EFT
• Tenant occupied HO6 – primary residence must be insured with Hartford
• DP3 – No more than 4 rental units per insured. Must insure primary home with Hartford
• Scheduled Personal Property – No losses in past 5 years
• Umbrella – Must have auto with Hartford with min. limits of 250/500/50
• Umbrella – Must be written in the name of an individual

Commercial Lines Products

• BOPs ($550 minimum premium) 
• Liability only ($425 minimum premium)
• Monoline Auto
• Workers’ Compensation (must be packaged)
• Middle Market Access
• CLICK HERE for CA Small Commercial Appetite Guide

Please call WIAA at 800-553-4221 for all underwriting, service requests, and billing questions. For Claims, please call Safeco claims at 800-332-3226.

NOTE: Please do not call Safeco to issue a new policy or to rewrite a policy! When this happens, Safeco withholds commission until renewal so please be sure to contact WIAA for all new business.

Personal Lines

Auto:

• 50/100/25 minimum limits. 500/500 max.
• CA Good Drivers Only (No DUI’s in past 10 years or SR-22’s in last 5 years)
• Accurate annual mileage – Rate as commute for all employed insureds and students. Accept system generated mileage unless insured can provide proof of miles driven with 2 recent oil service receipts (Safeco conducts audits and will ask for verification if needed)
• Exclusions – 5% or less, no spousal exclusions
• Motorcycle – 50/100/25 minimum limits. Safeco’s hit ratio is 40% for Harley Davidson drivers with experience!
• No Action on Pre-Bind Pause or Paper Application – DO NOT PURSUE

Home & Dwelling Fire

• HO3: Up to $3M Coverage A. Homes above $1.5M must have central fire and burglar alarm
• HO3 for Wildfire areas – Limited Liability Policy available up to $700K Cov A with accompanying CA Fair Plan policy (Safeco’s version of a Difference in Condition policy). Click here for requirements for Safeco DIC policy.
• Renters: $25K minimum Cov C
• Dwelling Fire – DP3 only! No DP1 or DP2. Up to $1.5M Coverage A. Stand alone ok. Underwriting pre-approval required for Cov A of $1M+
• No Action on Pre-Bind Pause – DO NOT PURSUE
• Must include Full Value Contents Replacement
• Extended Dwelling, Personal Offense, Water Back-Up, Special Personal Property strongly recommended

Umbrella

• Must have auto insurance with Safeco (250/500/100 minimum underlying auto limits or 500/500/100 underlying motorcycle limits.

Other Lines

• Earthquake – Must insure home with Safeco
• Watercraft
• Classic Car
• Pet Insurance

Discounts

• Auto with Home: 22% account credit with supporting home, 15% with supporting Condo and 10% with supporting renters
• Auto with DP3: 14% account credit applied with supporting Landlord Protection
• Auto with Umbrella: 8% account credit applied with Umbrella policy
• Distant Student Discount is 20% off Auto for youthful operator (under 25 years old) who is part of household but a resident student at an education institution over 100 miles from garaging address and the youthful operator does not have a car at school
• Good Student Discount: Varies from 1-10% off depending on number of years of driving experience of student. Must be under 25 years old, grades from immediate preceding semester or quarter must show B average, 3.0 average, top 20% of his/her class, or dean’s honor list. Agent must have proof of eligibility.
• Mature Driver Auto Discount: 5% discount for drivers age 55+. Must have completed a CA state approved mature driver improvement course and accident free within past 3 years.
• CA Good Driver Discount: 20% discount for drivers who has been continuously licensed for previous 36 months, the most recent 18 months in the US or Canada; has no more than 1 DMV point in the past 3 years; no DUI in past 10 years; no At-Fault accident with BI or death
• CA Superior Driver Discount: 10% off for drivers who qualify for Good Driver Discount in addition to: having 5 years driving experience, no chargeable violations in past 3 years, no major violations in past 5 years, no more than 1 DMV point in past 5 years, no At Fault accidents with BI or death in past 5 years
• Home: 15% account credit applied with supporting auto; 2% account credit with supporting Umbrella
• Landlord Protection: 14% account credit applied with supporting property (or primary resident for customer to include home, renters or condo)
• Motorcycle: 5% account credit applied with any supporting Safeco personal lines property & casualty product; 5% Safety Course, Instructor certificate, Association (AMA, Harley Owners Group, BMWMOA, etc.) or Mature Driver Improvement Course (age 55+) within past 3 years (must have proof); 15% credit if the policy contains more than one Motorcycle, ATV, Snowmobile, or Golf Cart; 15% persistency discount if policy remains with Safeco for 3 consecutive years without a lapse
• Watercraft: 5% account credit applied with supporting auto, home, condo or renters

Please call WIAA at 800-553-4221 for all underwriting, service requests, and billing questions. For Claims, please call Travelers at 877-872-8737.

Personal Lines

Auto:

• 50/100 Minimum 100/300/50+ limits preferred
• CA Good Drivers only (youthful drivers with no violations/accidents ok if part of a family auto account)
• No lapses in auto insurance coverage in the past 12 months
• All drivers in household or customary operators outside of household must either be rated or excluded
• Autos must be registered to household resident that is listed as a driver on policy including Named Insured, spouse, child of Named Insured less than 26 years old or parent of Named Insured
• Accurate annual mileage – MUST USE Travelers’ Certified Annual Mileage reporting
• Ineligible: more than 1 vehicle with original cost new over $125K per account, salvaged vehicles, commercial use (including ride share service), used in racing, ask UW for full list

Home & Dwelling Fire

• No monoline property insurance including Homeowners, Renters, Condos, Dwelling Fires and DICs
• No properties with a FireLine Scores of 3 or higher 
• Secondary and seasonal homes are only eligible if Travelers writes primary home
• Homeowners – Up to $3 Million Cov A. Dwellings over $1M require UW approval. Dwellings over $1.5 Mil must have monitored central fire and burglar alarm. Click here for HVH sell sheet.
• Home in Wildfire areas – Difference in Condition policy available with accompanying CA Fair Plan with matching Cov A. (Scheduled Personal Articles policy not available with DIC policy)
• Condos – Central station fire and burglar alarm required for condos with $500K+ in Coverage C and Coverage A combined.
• Condos rented to others OK
• Buried Utility Lines coverage available
• Equipment Breakdown coverage available
• Renters – $25K minimum Coverage C. Central station fire and burglar alarm required for renters with $500K+ in Coverage C and Additions and Alterations combined
• Dwelling Fire – Up to $2 Million Cov A. Dwellings over $1 Million require UW approval. Must have local management by owner or property management. Named insured cannot own more than 9 rental units even if we’re not insuring all rentals.
• Home – Must include Enhanced Home Package or equivalent on all Home quotes
• Ineligible: vacant homes, mobile/manufactured homes, trampolines, skateboard ramps, bicycle jumps or unfenced swimming pools, dwellings over 25 years old without proper system renovations, non-weather related water losses in past 5 years, etc. 
• Modernization requirements: Wood shake/wood shingle roofs must have been replaced within the past 15 years (for homeowners or 25 years for DP3); 25 years for any other roof material (except tile or other lifetime roofs). Oil furnace/burner cannot be older than 25 years; gas furnace/burner cannot be older than 35 years. Electrical must have circuit breakers in whole or in part. Heating must be central heat or thermostatically controlled electric heating system or thermostatically controlled radiant water heating system. Plumbing must be in good condition.

Umbrella

• Up to 10 Million. Over $2M subject to UW approval. Must have auto with Travelers. Minimum underlying limit requirements: 250/500/100 auto, $300K Home/DP3. See UW guide for details

Specialty

• Boat and Yacht insurance available

Commercial Lines

• $500 min. premium
• BOPs/Package
• Workers' Comp (CLICK HERE for appetite guide)
• Middle Market
• Monoline Auto
• Garage risks
• Habitational, apartments/condos
• Churches, places of worship
• Technology
• Lessors’ Risk
• Ocean Marine
• Boiler & Machinery
• BOP
• Commercial Auto
• Garage Businessowners
• Inland Marine
• Restaurants
• Construction
• Umbrella of Services

Personal Lines

WIAA agents have direct access and binding authority with Aegis. Please email membership@wiaagroup.org for a unique log in.

NOTE: Agents are responsible for emailing WIAA a copy of the signed application along with supporting documents within 24-48 hours of issuance. Failure to do so may result in no commission being paid.

For Underwriting, please call Aegis at: 844-207-4339. For Claims, please call Aegis at: 800-233-2160.

Products available: HO3, HO4, HO5, HO6, DP-1, DP3, Earthquake and Motorcycle

HO3 and HO5:

• Homes built 1900 or newer
• Instant wildfire hazard scores (assures acceptability)
• Dwelling values up to $1,000,000
• Up to 25% Extended Replacement Cost included (up to 50% available)
• $100,000 Personal Liability & $50,000 Animal Liability coverage included
• Green coverage & bundled coverage packages available
• Open Perils HO-5 endorsement available for Personal Property
• Numerous other discounts available, including newly acquired home, auto insurance and loyalty credits
• Scheduled Personal Property available by endorsement
• Up to 2 prior losses in the past 36 months accepted

DP1 and DP3:

• All occupancies –primary, seasonal, vacant (DP-1), vacation rental or tenant
• Business, Corporation or LLC as Named Insured allowed
• Dwelling values up to $750,000 (DP-1) and $1,000,000 (DP-3)
• Dwelling Replacement Cost Value (DP-3) or ACV (DP-1) policies available
• Single family, duplex, triplex and fourplexall accepted
• Personal Liability, Personal Injury, Animal Liability and Medical can be added
• Numerous discounts available, including multi-policy and loyalty credits

HO4 and HO6:

• Personal Property is the primary coverage with limits available from $5,000 up to $250,000 (HO-4) or up to $300,000 (HO-6)
• Vacation Rental (including Home Sharing), Seasonal & Tenant Occupancy available (HO-6)
• $100,000 Personal Liability included
• $50,000 Animal Liability included
• Water Backup Coverage up to $5,000 (HO-6)
• Loss Assessment Coverage up to $25,000 (HO-6)
• Deductible options from $500 to $10,000
• Many discounts available including auto insurance, multi-policy, burglary/fire alarms, and loyalty credits

Earthquake (stand-alone)

• Deductibles from 5% to 25% offered for both Basic and Comprehensive policies
• Comprehensive Protection includes $25,000 in swimming pool coverage and up to $100,000 Loss of Use limits
• Dwelling values up to $1,000,000
• Dwellings built in 1900 or newer with 1 to 4 units (manufactured/mobile homes and condos are unacceptable)
• Counts toward a multi-policy discount on your Aegis home, dwelling fire, condo, renter or motorcycle policy

Motorcycle

• No motorcycle license required
• Multiple violations acceptable (Majors, Minors and/or Accidents)
• Roadside Assistance and Trip Interruption coverage available
• Any valid U.S. driver’s license is accepted
• SR22 available
• Accessory coverage available up to $5,000
• Unacceptable bikes: special construction, homemade, go-cart, dune buggy, tractor, not produced by an Original Equipment Manufacturer, turbo, super charged, or performance modified

Personal Lines

• 15/30/5 minimum limits; 250/500/100 max
• Payment options, monthly installments – EFT only (down payment must be made by credit card)
• SR22s accepted
• Suspended license or never licensed
• Challenged driving record
• DUI ok
• Broker fees ok

PLEASE NOTE CARRIER FEES:

• Insured request cancellation fee: $50
• Endorsement fee: $3
• SR-22 fee: $15
• NSF fee: $20
• Reinstatement fee: $15
• Late fee: $6
• Installment fee for direct bill: $12
• Installment fee for EZPay (recurring credit card payments): $8
• Installment fee for EZPay (bank draft): $3
• Carrier 6 and 12 month policy fee: $20 per policy ($16 for good drivers)

Commercial Lines

• $400-$750 min. premium depending on class and line of business
• BOPs/Package/Workers Comp (CLICK HERE for appetite guide with embedded links)
• Commercial Auto
• Monoline general liability
• Restaurants
• Janitorial
• Beauty salon

Commercial Lines

• California only (CLICK HERE for appetite guide)
• Must include FEIN # on all applications
• $500 min. premium
• BOP
• Package – Submit to carrier
• Auto – Submit to carrier
• Apartments
• Hotels
• Grocery Stores
• Fine Dining
• Deli/Cafe
• Mobile gourmet food vendors
• Offices
• Financial Institutions

Workers’ Compensation (monoline only)

• Min. policy premium is $1,000
• Supplemental application required
• 3 years CVLR
• New ventures not accepted
• CLICK HERE for appetite guide

Workers’ Compensation (monoline only)

• Min. policy premium is $750
• 4 years CVLR
• New ventures okay; detailed experience requested
• 5% rate credit for all eligible Calif. Restaurant Assoc. (CRA) members
• 5% rate credit for Apartment Association of Greater Los Angeles (AAGLA) members
• 10% rate credit for Integrated-Anthem Blue Cross subscribers
• CLICK HERE for appetite guide

Top Classes:

• Physicians
• Bakeries
• Restaurants
• Laundry and Dry Cleaning
• Quick Printing
• Clothing Manufacturing
• Property Management
• Auto Body Shop
• Jewelry Stores

Employers is looking to grow in the following classes:

• Retail Stores
• Clerical
• Hotels
• Attorneys
• Auditors and Accountants
• Colleges

EXCLUSIVE UNDERWRITING FACILITIES

WIAA has partnered with MarketScout to provide access to exclusive underwriting facilities for its members. If you have an interest in becoming appointed to place business with these new facilities, simply click the links below or dial the number to contact underwriting.

Private Client Solutions

MarketScout Private Client Solutions offers the flexibility, capacity and expertise to tailor products and services to meet the unique needs of high net worth individuals. Our team of underwriting specialists will provide you access to top A rated high net worth carriers as well as our own binding facilities with Lloyds, Lexington, and Ironshore.

Phone: 866-578-9415 Email: PCS3@marketscout.com

Energy

MarketScout provides access to the top admitted and non-admitted markets currently placing coverage for the energy sector. We have the capacity to insure energy related accounts with premiums ranging from $2,500 to major offshore drilling company with high deductibles and liability limits in excess of $250 million. Our broad appetite and experienced facilities can write anything that generates uses or produces energy from almost any source.

Phone: 972-934-4210 Email: energyspc@marketscout.com

Fine Art & Collectibles

MarketScout Fine Art & Collectibles provides access to “A” rated admitted & non-admitted markets. Our stand-alone policy is the broadest in the marketplace including worldwide coverage, breakage, mysterious disappearance and agreed value for no additional cost. We have both personal &commercial capabilities including Personal Fine Art & Collections, Fine Wine, Dealer/Gallery, Museums, Exhibitions, Commercial Artist. Quake capacity is available.

Phone: 866-554-0782 Email: fa@marketscout.com

Healthcare/Social Services

MarketScout Allied Health Care and Social Services provides an exclusive program that addresses the insurance needs of the growing Allied Health Care and Social Service classes. Our comprehensive program offering includes professional liability, general liability, cyber, abuse and molestation as well as many other extended coverages.

Phone: 866-640-7712 Email: healthcare@marketscout.com

Animal Mortality

MarketScout Animal Mortality is an exclusive program writing on admitted, A-Rated paper nationwide. We provide all-risk and specified peril Mortality coverage for horses, cattle, exotics, and working canine. Optional coverages for veterinarian services, loss of use, stallion infertility, and others available for qualified risks all at competitive pricing.

Phone: 800-324-0269 Email: am@marketscout.com

Professional Liability

MarketScout Professional Liability assists agents by quickly and accurately delivering competitive products. Our capabilities include admitted and non-admitted A Rated carriers with broad coverage forms and competitive pricing. We specialize in Errors & Omissions, Directors & Officers, Cyber/Privacy/Databreach, Employment Practices Liability, Crime and Fiduciary coverages.

Phone: 972-934-4297 Email: professionalliability@marketscout.com

Workers’ Compensation

MarketScout is a leader in placing mono line workerscompensation. We have the markets and expertise to help you place your hard to place accounts.

Target Accounts: Healthcare, Contractors, Trucking,Manufacturing, Wholesale

Phone: 866-727-4539 Email: workcomp@msunderwriters.com

Personal Lines

Click here for Stillwater commercial and personal lines highlights

Click here for Dwelling Fire Program highlights

Click here for DIC highlights

Auto:

• 50/100/25 minimum limits. 
• CA Good Drivers only

Homeowners:

• Up to $5M Coverage A. HO3/HO5 available
• Cov A above $1.5M or 4,999 sq. ft. must be approved by UW
• Homes with seasonal rentals and/or vacation rentals ineligible (Air BnB)
• Risks built after 1900 are eligible 
• Secondary homes: must be in gated community and must have primary home with Stillwater
• Condos: owner and tenant occupied available 
• Renters available
• Refer to page 2 of Stillwater commercial and personal lines highlights above for circumstances that would make a risk ineligible and claims history requirements

Dwelling Fire:

• DP1, DP2 and DP3 available
• Family Trusts, LLPs/LLCs and Corps eligible as named or additional insureds
• Up to 25 properties are acceptable if property contains 4 or less residential units
• Homes with seasonal rentals and/or vacation rentals ineligible (Air BnB)
• Trampolines are ineligible
• Risks built after 1900 are eligible
• Refer to page 2 of Stillwater commercial and personal lines highlights above for circumstances that would make a risk ineligible and claims history requirements

Difference in Condition (DIC - you must provide CA Fair Plan):

• Up to $3M. No requirement for matching CA Fair Plan coverage A, B or C.
• Homeowners and Dwelling Fire eligible
• Cov A above $1.5M or 4,999 sq. ft. must be approved by UW
• Secondary homes are ineligible
• Homes with seasonal rentals and/or vacation rentals ineligible (Air BnB)
• No mobile or manufactured homes, no farm animals (cows, donkeys, sheep, goats, etc.); horse properties and chickens are OK
• Refer to page 2 of Stillwater commercial and personal lines highlights above for circumstances that would make a risk ineligible and claims history requirements

Umbrella:

• Up to $5M as stand-alone product
• Underlying Limits Required:
  - Underlying carriers must have at least a B+ rating with AM Best.
  - Personal Auto limits must be 250/500/100 or greater than 300,000 CSL.
  - Risks with youthful drivers require 500/500 limits UNLESS underlying Auto is with
  Stillwater.
  - Minimal Underlying Limits for Homes, Watercrafts, RV is $300,000.
  - Risks with more than -9 rental-units, Jet Skis or more than 1 Motorhome are ineligible.
  - Risks with Liability Claims in the last 36-months or At-Fault for Auto losses are ineligible.
  - For mature drivers, 1 minor Auto violation in last 12-months or 2 minor Auto violations in last 34-months
  are acceptable. Drivers with no major Auto violations in last 5-years and youthful drivers without
  chargeable moving violations are accepted.

Earthquake:

• Comprehensive Policies offered. Two coverage options available (Basic and Enhanced)
  depending on zip code.

Commercial BOP:

• - New Ventures - Restaurants - Lessors Risk (built after 1995)
  - 100% Internet Businesses - Main Street Retailers - Home Based Businesses
  - Janitorial Services - Business Consultants - Image/Wellness Consultants
  - Carpet Cleaners - Real Estate Agents/Brokers - Photographers
  - Hair & Nail Salons - Florists - Service Providers
  - Convenience Stores - Churches w/out Daycare - Wholesale/Distribution
  - No Contractor/Artisan Risks - No Habitation Risks - No Auto Service/Supply Risks
  - No Bars or Gaming Risks - No Manufactures - No Smoke/Vape or Jewelry

Workers' Compensation

Click here for Submission Guidelines & Excluded Operations

Click here for All Star Class Codes for CA

Click here for Exposures Outside of ICW Group's Risk Appetite

Click here for Eligible States Map

Click here for Flexible Payment Options

Specialty Personal Lines

• Properties in the name of LLC, estate, corporation, trust, and land/home contracts
• Vacant, rental, seasonal and owner-occupied dwelling coverage
• Manufactured home - tenant and owner occupied
• Condo - tenant, owner occupancies, short term rentals and seasonal OK
• Stand alone structures such as pole barns and hunting cabins
• Covered boat docks and floating homes
• Classic cars, boats, yachts, motorcycles

Flyers and product sheets:

• Home Flyer
• Condo Flyer
• Dwelling Fire Special Flyer
• Dwelling Fire Basic Flyer
• Manufactured Home Flyer
• Collector Vehicle Flyer
• Motorsports Flyer
• Boat Flyer
• Yacht Flyer

Commercial Lines

• Click here for Commercial Lines highlight sheet
• Liquor liability up to 100% of alcohol receipts (Click here for hospitality and liquor liability sheet)
• Non-Profit package products (Click here for highlight sheet)
• Home-based business
• Up to $3M aggregate
• Cyber Liability
• General Liability
• Habitational
• Professional Liability (Click here for highlights sheet)
• Special Event
• Umbrella
• Vacant Building (click here for flyer and here for application)

Personal Lines

• Click here for Personal Lines highlight sheet
• Primary and Excess Umbrella (click here for application)
• LLC, Estate and Trust as Named Insured are OK
• HO4 and HO6 available
• Home-based business
• Appetite for short-term rentals such as Air B&B