New Submission Requirements for Commercial Lines Applications

New Submission Requirements for
Commercial Lines Applications
ATB #0xx-12 – May xx, 2012
Effective (insert date), all applications, whether emailed or postmarked, must be
sent with all required documents in a single, complete submission.
In order the ease the submission process, all commercial applications and required
documents can be submitted via email to:
commercial.submissions@citizensfla.com.
Note: This email address is for new-business submissions only and does not replace
the commercial email addresses used for endorsement requests and
correspondence.
Faxed submissions no longer will be accepted to secure an effective date for windonly
policies. The policy effective date cannot be earlier than the day the complete
submission is received via mail or email.
Rejection of New-Business Submissions
All incomplete new-business submissions, whether received via mail or email, will be
rejected and returned to the agency. A processing fee will be assessed for each
incomplete submission.
• Rejected new business submissions will either be returned by email or
mailed back to the agency with the non-cashed check (if applicable) via
overnight mail.
• A rejection/resubmission processing fee of $25 will be billed to the agency
for each rejected new business submission.
To obtain coverage for a risk that has been returned to the agency as incomplete,
the agent must submit a new and complete application with a new effective date.
Commercial New Business Submission Checklist and Submission Instructions
All new-business submission checklists have been updated to make the submission
process easier for agents. Each checklist identifies items that must be received for
each policy type. Submission instructions also are available and provide additional
details on each required document. The revised checklists can be found on Citizens
website under:

• Commercial Lines New Business Submission Checklist: Commercial
Nonresidential Multiperil (CNR-M)
• Commercial Lines New Business Submission Instructions: Commercial
Nonresidential Multiperil (CNR-M)
• Commercial Lines New Business Submission Checklist Wind Only (CR-W &
CNR-W) and Residential Multiperil (CR-M)
• Commercial Lines New Business Submission Instructions Wind Only (CR-W
& CNR-W) and Residential Multiperil (CR-M)
Proof of Eligibility – New Business Submission Requirement
One of the eligibility documents listed below now must be submitted with all
applications:
• A copy of at least one declination or cancellation/non-renewal letter from an
authorized insurer for the named insured at the same property location
• A copy of at least one new or renewal offer showing the authorized insurer’s
premium offer is more than 15 percent higher than the premium for
comparable coverage at Citizens
• A renewal notice, quote or rejection notice excluding the perils of windstorm
and hail (CNR-W only)
Required Documents
The following documents are required for all submissions:
• Signed and completed application
• Signed and completed supplemental application
• Photographs
• Proof of eligibility
• Proof of prior coverage
• Signed Inspection Contact Information Form
• Proof of valuation (except CNR-M)
• Signed Acknowledgement of Potential Surcharge and Assessment Liability
Form
There are additional required documents that vary by situation and commercial
product. Refer to the new-business submission checklists for a complete list of
required documentation.
Credits
If the submission includes all required documents except documentation required to
apply credits, the policy will be issued. However, credits without proper
documentation will not be applied. The applicant will receive a bill for any additional
premium owed.
The required documentation to apply credits includes:
• Uniform Mitigation Verification Inspection Form [OIR-B1-1802 (Rev.01/12)]
• Building Type II and III Mitigation Verification Affidavit
• Windstorm Protective Device – Proof of Compliance

Agents and CSRs may submit underwriting questions via the Contact Us option on our website. You
should receive a response within five business days.
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Citizens Property Insurance Corporation
www.citizensfla.com