EXCLUSIVE FOR WHOLESALERS!!!

An EASY & FAST Insurance Solution for your Hired & Non-Owned Auto Home Health Care or Social Services Insurance Risks

 

Sunderland Insurance Services Inc: a Norman-Spencer Company offering an insurance program exclusively for wholesalers

Don’t have one…Let US deliver YOU to one of OURS!

 

SUNDERLAND INSURANCE SERVICES INC’S HIRED & NON-OWNED AUTO PROGRAM

Hired and Non-Owned Auto Insurance for Home Health Care or Social Services

 

Hospice, Home Health Care and Social Service industries are growing at a rapid pace. If your Insured has Independent Contractors, Employees, or Volunteers who are driving to patients’/clients’ homes, they need Hired & Non-Owned Auto coverage. Our program meets this important need.

 

The coverage can be written either excess of a SIR (erodible by the drivers collectible insurance) or excess of a primary policy in the Insured’s name.

 

Insureds can have a minimal livery exposure (one patient at a time, in the employee’s/Independent Contractor’s vehicle) for occasional trips to the doctor, pharmacy, etc.

 

visit www.sunderlandins.com for more information on this program or visit www.norman-spencer.com for more information on ALL our products

 

TARGET RISKS

·         Home Health Care Services (Visiting Nurses, Hospice Care)

·         Social Services

 

 

PROHIBITTED RISKS

·         Risks where there are multiple people being transported (day care centers, senior centers)

·         Drivers must use their own auto to transport the client and not use the client’s auto.

 

 

PROGRAM FEATURES

·         Limits Available - $100,000 to $5,000,000

·         Carrier - A.M. Best “A:IX” Rated

·         Availability - All states except: CT, DE, IA, OK

 

POLICIES OFFERED

·         Standalone Coverage Excess of a Self-Insured Retention (SIR)

o        SIR is erodible by the Driver’s collectible auto insurance

o        SIR between $0 and $100,000

·         Standalone Coverage Excess of a Primary Policy

o        Insured purchases a Primary Owned, Hired & Non-Owned auto policy with limits as low as the state financial responsibility limits (available through the state's assigned risk plan). Our policy would be excess of those limits

 

REQUIREMENTS TO QUOTE

·         Completed Home Health Care Application (CA AS 0118 0607)

·         Current MVRs on ALL drivers

·         Five years currently valued Owned, Hired & Non-Owned auto loss runs. If no prior insurance, a no-known loss letter on the Insured’s letterhead stating no prior coverage, and no losses

·         Copy of Independent Contractor contract if drivers are not employees

 

REQUIREMENTS TO BIND

 

·         Signed and dated Home Health Care Application (CA AS 0118 0607)

·         Copy of underlying Declarations page or binder from the underlying carrier (Must show: Named insured, effective/expiration date, limits, and type of coverage)

·         Tax/Fee Acknowledgment (if risk is outside of California); D-1 if risk is in California

·         Signed and dated Additional Self-Insured Retention Provisions (CA AS 0097) if policy is excess of a SIR

 

FILING REQUIREMENT

 Sunderland will handle the filings if the risk is located in California. If the risk is outside of California, it is the responsibility of the Producer to collect and file the surplus lines taxes and fees

CONTACT US TODAY!

Holly Belknap at 925.942.4020 x102 or Holly@Sunderlandins.com
Laura Pedersen at 925.942.4020 x101 or Laura@Sunderlandins.com

 

*Terms and coverages subject to change without notice.

 

Norman-Spencer Agency offers a variety of Industry Tailored Insurance Programs.  Please check out our web-site www.norman-spencer.com to see everything we have to offer.  For a quick review of some of our other programs just click on a link below.

 

ADDITIONAL NORMAN-SPENCER PROGRAMS

Pumpro – Concrete Pumpers

Crane Operations

Environmental Consultants

Hired & Non-Owned

Lawyers

Ready Mix Pro

Real Estate E&O

Marina & Boat Dealers

Sand & Gravel

Schools

Steel Erectors