PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

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Western National – Personal LinesDo Not Bind Quicklist*(For illustrative Purposes Only)*Please refer to the various Personal Lines Manuals for each line of business and the Underwriting Information Booklet for addition instructions.This listing cannot possibly identify every ineligible situation and is not intended to be all inclusive. Any questions should be referred to your Underwriting Team.Automobile Homeowners Motorcycle Dwelling Property Personal UmbrellaRisks included in Personal AutoManual - Do Not Bind ListMobile/manufactured homes, trailerhomes or house trailersAutos not owned by policyholder Homes occupied by more than 2familiesFarm or hobby farm propertiesClassic, collector, & antique autosKit/replica/custom and modifiedautosHigh performance, sports, or sportspremium autosAutos driven in excess of 35 milesone way to work or schoolStated amount comprehensivecoverageTrailers or campers if used forbusiness purposesPhysical damage on autos over 20years of ageYouthful classifications with nosupporting parental coverageRisks with poor housekeeping andmaintenanceFlat roofs are ineligible for special formcoveragesRisks that are vacant, unoccupied, orare non-owner occupiedRisks with vicious or exotic animals,horses or other livestockRisks with a wood burning devicePersonal watercraft - see HomeownerRulesSnowmobiles - 600 cc and over - seeHomeowner RulesSingle item of jewelry valued over$10,000 - Refer to CompanyUnits not owned by policyholder Mobile/manufactured homes, trailerhomes or house trailers3 wheelers Properties occupied by more than 2familiesFarm or hobby farm propertiesBullet bikes - sport cycles includingcycles with race type fairingsCycles used for competitionCustomized cycles or show bikesHomemade units, units built fromkits, trikes or three wheeled mc=sChoppers (easy-rider style) ormodified (turbo charged) unitsUnsupported unitsYouthful classifications withviolations or accidentsNo drug or alcohol violationsRisks with poor housekeeping andmaintenanceFlat roofs are ineligible for special formcoveragesRisks that are vacant or unoccupiedRisks with a wood burning deviceRisks with 60 AMP serviceRisks with building or fire codeviolationsRisks with major foundation problemsRisks inaccessible to fire protectionAutos in poor mechanical condition Risks with 60 AMP service Risks located on an “island”Drug or alcohol related violationsLiability limits in excess of 500/500BI and 250 PDRisks with building or fire codeviolationsRisks with major foundation problemsRisks inaccessible to fire protectionRisks located on an “island”Risks with prior loss experienceStucco or EIFS finishesUnusual Hazards, trampolines, skateboardramps, indoor pools/hot tubs, etc.Risks with prior loss experienceUnsupported seasonal propertiesUnsupported rental propertiesStucco or EIFS finishesUnusual Hazards, trampolines, skateboardramps, indoor pools/hot tubs, etc.Limits in excess of $1,000,000Unsupported personal umbrellacoveragesHigh profile individualsIndividuals that own or operateaircraftMutual Underwriting Information – October 2012 Page 36
WESTERN NATIONAL MUTUAL INSURANCE COMPANYPersonal Lines Underwriting Directory800-862-6070 +PERSONAL LINES OFFICER Direct Dial ExtensionCindy Doble, CPCU, API – cindy.doble@wnins.com ...........................(952) 921-3810 7810Vice PresidentMANAGERSCyndi Wright, CPCU, API, AIT – cyndi.wright@wnins.com ...................(952) 921-5618 7618Underwriting ManagerKaren Wisdorf, API – karen.wisdorf@wnins.com ..................................(952) 921-3869 7869Underwriting Operations & Facilities ManagerUNDERWRITERS .................................................................. (952) 921-5661 7661TEAM 1 – Iowa, Minnesota, South DakotaCarol McMahon, API – carol.mcmahon@wnins.com ............................(952) 921-3151 7151Nita Bicknell – nita.bicknell@wnins.com ................................................(952) 921-9208 7208Vonda Miller, API – vonda.miller@wnins.com .......................................(952) 921-3822 7822Tina Pratt, CPCU, API – tina.pratt@wnins.com .....................................(952) 921-9243 7243TEAM 3 – Iowa, Minnesota, WisconsinRaunatte Janisch – raunatte.janisch@wnins.com .................................(952) 921-3800 7800Patty Berge – patty.berge@wnins.com ..................................................(952) 921-3856 7856Rich Danielson – rich.danielson@wnins.com ........................................(952) 921-9206 7206Bridget Kvarnlov, CIC – bridget.kvarnlov@wnins.com ..........................(952) 921-9261 7261UNDERWRITING ASSISTANTSMishawn Hamilton – mishawn.hamilton@wnins.com ............................(952) 921-3882 7882Supervisor – Underwriting AssistantsLisa Hanson – lisa.hanson@wnins.com ................................................(952) 921-5669 7669Jon Duoos – jon.duoos@wnins.com ......................................................(952) 921-9217 7217Customer Relationship Center – (952) 921-3808 or (800) 352-2772Personal Lines Department – (952) 835-8108 or (866) 231-2915Underwriting Fax – (952) 921-5602 or (888) 862-6069Underwriting Email – plund@wnins.comWNM Personal Lines Department Page 1 1-1-2013
Page 3 and 4: Direct Billing Guidelines 3________
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Page 15 and 16: Western National Insurance GroupHis
Page 17 and 18: Western National Insurance GroupPer
Page 19 and 20: AgentsOnlineThe broad name for all
Page 21 and 22: Western National Insurance GroupIns
Page 25 and 26: Five YearsWestern National will loo
Page 27 and 28: Available Discounts And CreditsWest
Page 29 and 30: Replacement Cost EstimatorsA requir
Page 31 and 32: Coverage FormsWestern National unde
Page 33 and 34: LossesPrior loss history is very im
Page 37 and 38: Exhibit BHIGH PERFORMANCE, SPORTS,
Page 39 and 40: Exhibit DStandards for Use of Credi
Page 41 and 42: Can I do anything to improve my ins
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Page 53 and 54: RAUNATTE JANISCHSenior Underwriter
Page 55 and 56: GENERAL INSTRUCTIONS1. DO NOT BIND
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Western National Mutual Insurance C
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PROTECTEDTerritory 406IOWAHOMEOWNER
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PARTIALLY PROTECTEDTerritory 406IOW
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UNPROTECTEDTerritory 406IOWAHOMEOWN
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FORM 4 - TENANTSTerritory 406IOWAHO
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FORM 6 - UNIT OWNERSTerritory 406IO
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