|FARM and RANCH INSURANCE PROGRAM
American Reliable's Farm and Ranch Policy provides the most comprehensive coverage available on the market. It insures the dwelling and contents, as well as outbuildings, livestock and farm equipment. American Reliable Insurance Company offers the following lines of coverage in Oklahoma:
- Farm & Ranch Policy
- Farm Fire Policy
- Farm Liability Policy
- Excess Liability Policy
- Effective 05/01/2013 rates will be revised for new and renewal business.
Download the American Reliable Rating Guideline Booklet here:
October 1, 2011 Edition
Download American Reliable Farm/Ranch Applications here!
For more information on Farm & Ranch policies, please contact Cindy Munden in Eagle Agency at (405) 840-4426.
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RLI PERSONAL UMBRELLA
The Personal Umbrella Liability is one of the few stand-alone personal umbrella policies on the market. It provides up to $5 million of coverage over the minimum required underlying limits. RLI Personal Umbrella does not require the insured to carry his underlying policies with RLI. Minimum underlying limits are required. The new RLI Personal Umbrella Application can be completed online and then printed for signature (an electronic signature is not available at this point). For more information on RLI policies, please contact Cindy Munden in Eagle Agency at (405) 840-4426.
*RLI is now offering Uninsured Motorist/Underinsured Motorist Coverage effective 01-01-11. On renewals, the insureds will receive the cover letter from RLI accompanying the application with the addition of step #3 highlighting the offer of a $1 million Excess UM/UIM limit from RLI, the Renewal Application that the insured needs to complete. Question 24 asks the insured if they wish to purchase the coverage. If nothing is answered/changed in this area, the policy will continue to have the coverage Excluded. The RLI bill will follow. The renewal bill will also indicate that Excess UM/UIM is not included in the renewal billing premium and the Purchase/Rejection form. This form was created to provide the insured an overview of the coverage offered, his requirements for Basic coverage and an ESTIMATE of what the Excess UM/UIM coverage will cost in order for the insured make an informed purchase decision. This estimate is based on the information we currently have on file, but is subject to change based on the responses RLI receives on this year’s Renewal Application.
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RLI IN-HOME BUSINESS
The In-Home Business Policy provides certain coverages for your clients who operate small businesses out of their homes. This program offers clients comprehensive coverage on their business personal property along with up to $1,000,000 in business liability protection.
The RLI IHB policy, written on an ISO BOP form for over 120 eligible business classes, includes:
For more information on RLI policies, please contact Cindy Munden in Eagle Agency at (405) 840-4426.
- Up to $50,000 Business Personal Property coverage both on and off premises.
- Up to $1,000,000 General Liability protection both on and off premises.
- A standard $100 deductible.
- Coverage for loss of business income.
- Optional coverages for Money/Securities and EDP Equipment.
- Availability regardless of the homeowner carrier.
- Premiums starting at $150.
Click here to download the Terrorism Risk Insurance Act of 2002 Rejection Form.
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OKLAHOMA ASSIGNED RISK AUTOMOBILE PLAN
The Auto Plan will help you to always be able to give your customers the service and attention they deserve. The Oklahoma Auto Insurance Plan can provide coverage for hard to cover customers. The Auto Plan has coverage available for the driver with moving violations, for the senior citizen over the age of 75 or 80, for school buses that have been converted into motor homes, for bikes, trikes and kit cars. There is liability coverage for the commercial customer also. Non-owned, hired, garage, fleet and non-fleet coverage is available to help you care for your customer.
Any licensed P&C agent in the state can write business through the OAIP. Commissions are paid to the producing agent. So, don't let eligible private passenger and/or commercial customers walk out of your office. Be a hero and solve their insurance problems, you can bet they will spread the word that your agency can do anything!
To obtain more information about the OAIP or to download applications, click here.
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OKLAHOMA MARKET ASSISTANCE PROGRAM (OK-MAP)
The purpose of the Oklahoma Market Assistance Program is to assist in the placement of insurance coverage on single-famly, owner-occupied dwellings. OK-MAP is not an insurance company and cannot assume insurance risks. OK-MAP will make every effort to solve problems about the availability of coverage, but makes no guarantee that insurance coverage can be found.
In order for agents to be able to receive commissions they are encouraged to visit with a company they represent to see if they might be willing to provide coverage on a particular account. Insurance companies are required to provide an offer on 1 of every 5 accounts referred to them, so the agent may be the key to finding a winning solution to everyone - the agent can retain the account (and be paid a commission), the insurance company can satisfy its requirement to provide an offer on the account, and the client can have his/her property insured. It is important to understand that OK-MAP will not provide more than one offer on an account. It is not a place to shop for the lowest price. An insurance company may make an offer that is not the same coverage as the client has been carrying. It is extremely important that everyone be aware of the coverage being offered so that there are no surprises at claim time. Any licensed P&C agent in the state can write business through OK-MAP.
To obtain more information about OK-MAP or to download applications, click here.
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BIG 'I' MARKETS, FLOOD INSURANCE, RETIREMENT SERVICES
The Independent Insurance Agents & Brokers of America have made several outstanding products available to state associations. IIAO is pleased to endorse the products offered through Big "I" Markets, the IIABA Flood Insurance Program and IIABA Retirement Services. You may find out more information about these valuable products by visiting IIABA's Big "I" Markets Web site and logging in with your username and password.
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Once again providing the tools to help you support and grow your business with our new Free online life insurance application and quote engine. Increase life insurance sales the easy way with Eagle EzLife. Available to all members free of charge, this multi carrier web-based program allows you to easily quote life insurance for your clients, fill out one simple online application and we take care of the rest. Visit www.eagleezlife.com for more information or to get started today.
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