pocket guide - Western National Insurance Group

pocketguidetoSELLING

WELCOMEHello, and welcome!This Pocket Guide to Selling WesternNational is designed to provide you withquick, useful information that can helpillustrate the value of a Western Nationalpolicy.With this information, and with thepersonal service and choice that only anIndependent Insurance Agent like you canprovide, you’ll have all the tools you needto exceed your clients’ expectations everytime.We look forward to mutual success!

importantcontact infoCustomer Relationship Center(800) 352-2772For inquiries about:• Claims• Billing• Policy services• AgentsXpress or other systemsFor other inquiries:Main Office Phone Line(800) 862-6070info@wnins.comwww.wnins.com

OUR STORYIN A NUTSHELLWestern National is a mutual insurancecompany with over 110 years ofexperience serving policyholder’sproperty and casualty insurance needs.• Founded in 1900 as a fire insurer forMinnesota’s creameries and cheesefactories• Grew to be an A (Excellent) rated,super-regional insurer writing morethan $300 million in direct annualpremium across 14 states• Known as The Relationship Company ®based on our proven history of longtermpartnership and listening

SELLING POINTS:OUR COMPANY• We’re known as The RelationshipCompany ® for a reason• Individual risk underwriting• Long-tenured staff• Committed to listening to feedbackin all interactions• 98% claim satisfaction• A secure and stable choice• A.M. Best rating of A (Excellent);Financial size category IX• 110+ years serving customers• Member of the Ward’s 50 group

our products:personal• Automobile• Boat & Motor• Condo-owner’s• Dwelling Property• Homeowner’s• Homeowner’s Equipment Breakdown• Motorcycle/ATV*• Personal Umbrella• Renter’s• Roadside Assistance• Scheduled Personal Property• Snowmobile* Available in Minnesota only

our products:commercial• Businessowner’s Policy (BOP)• Commercial Automobile• Commercial Package Policy (CPP)• Commercial Umbrella• Employment Practices Liability (EPL)• Equipment Breakdown• Fire & Allied Lines• General Liability• Inland Marine• Surety Bonds*• Workers’ Compensation** Not available in all states

our products:specialtyThese specialty classes are availablethrough Pioneer Specialty InsuranceCompany:• Home Health Care• Ready-Mix• Refuse Collector• School Buses• TowingMore information on these specialtyclasses is available at:www.PioneerSpecialty.com

SELLING POINTS:personal auto• Our No-Surcharge Promise SMWe never increase our personalauto customers’ rates as the result ofaccidents, violations, or other losses.Other companies now try to copy it,but their limited ‘accident forgiveness’can still result in surcharges.• Extended Good Student DiscountThis discount now applies to qualifieddrivers through age 24, even if theyhave graduated from school.• H.E.L.P. EndorsementThis optional endorsement providesvaluable coverage for emergencyservices and roadside assistance.

SELLING POINTS:homeowner’s• Our No-Surcharge Promise SMWe never increase our homeowner’scustomers’ rates as the result of ahomeowner’s insurance claim• Identity Fraud Expense CoverageEach Western National homeowner’spolicy includes $10,000 of coverageto help with expenses incurred as theresult of identity fraud• Equipment Breakdown CoverageOur optional Homeowner’s EquipmentBreakdown coverage providesan affordable safeguard againstmechanical and electrical breakdownfor most home appliances and systems.

SELLING POINTS:personal umbrella• Flexible Limits + Optional UM/UIMWe offer Umbrella limits from $1million to $5 million, plus an optional$1 million in UM/UIM coverage• Worldwide Liability Coverage (forHomeowner’s)Incidents involving covered propertyare covered anywhere• Personal Injury ProtectionLibel, slander, defamation ofcharacter, and invasion of privacy• Duty to DefendWe pay not only liability limits butalso the expensive costs of defendingyou in the legal process

SELLING POINTS:commercial• Individual Risk UnderwritingWe consider risks on their ownmerits, and our underwriters listento the circumstances that impact theacceptability• We Don’t OverreactWe take a balanced approachto change, ensuring we match riskattributes and performance to pricing,terms, and conditions• Loss Control ResourcesOur in-house engineers, online DVDrental program, and other resourceshelp policyholders build a loss controlprogram that meets their needs.

getting started:agentsonlineYou can access our policy, inquiry, andresource systems in the AgentsOnline areaof our website at www.wnins.com.If you are a first-time user and need ausername or password, please talk to youragency’s systems administrator or to ourCustomer Relationship Center at(800) 352–2772.Once you have logged into AgentsOnline,you will be brought to a “Welcome”screen with links to AgentsXpress,InquiryXpress, and WesternXpress. Detailsof what you can do in each of these areasare included on the next page.

WHAT YOU CAN DOIN AGENTSONLINEAgentsXpressPersonal Lines: quote and submit Auto,Homeowner’s, and Personal Umbrella newbusiness and policy changes; view andprint documents; make payments; & more!Commercial Lines: Quick Submit anapplication; view billing and claimsinformation; view documents; makepayments; & more!InquiryXpressView policy and billing info and claiminformation, plus order reportsWesternXpressAccess bulletins, brochures, WN forms,manuals, & lots of other resources

www.wnins.com | (800) 862-6070This is the June 2012 update of this guide. Toensure you have the most up-to-date version of thisguide, please visit WesternXpress in AgentsOnline atwww.wnins.com.© 2012 Western National Insurance Group