FARMERS
SPECIALTY
PRODUCTS
Foremost Property Product Overview
Distinct Choice
Dwelling Fire
Foremost Classic
Manufactured
housing
Owner Occupied,
Vacants,
Seasonals and
Landlord
Owner Occupied
CL and ACV
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Distinct Choice
Manufactured
Home Policy
Available
Two Packages:
Plus Policy
Platinum Policy
ACV, but Optional Replacement
Cost on Structures and Contents
Replacement Cost Coverage on
Structure and Contents
Both pay agreed amount in case of total loss!
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Distinct Choice – Platinum vs. Plus Package
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Distinct Choice – Platinum & Plus
Package Discounts/Surcharges
Discounts
• Insureds age 50 or over
• Mobile homes located in Foremost
approved park
• Homes 15 years old or newer
• Multi-policy discount - applicable when
insured maintains
one or more voluntary personal auto,
motor home,
homeowners, motorcycle, or qualifying
life insurance policy
with any Zurich/Farmers/Foremost/Bristol
West Group
insurer.
Surcharges
• Auxiliary Heating Device
• Primary Farm/Ranch Use Type
• Secondary Use Type
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Deductible Options & Liability
Coverage Options
Deductible Options
$100
$250
$500
$750
$950
Liability Coverage Options
$ 50,000/$500 Med. Pay to Others
$100,000/$1,000 Med. Pay to Others
$300,000/$1,000 Med. Pay to Others
$500,000/$1,000 Med. Pay to Others
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Special Limits
Special Limit for memorabilia and tools applies to all perils.
New special limit for vehicles or conveyances - $5,000.
Camper bodies, camper trailers or travel trailers are not covered.
Damage caused by insects or domestic household animals or pets is not
covered.
Losses caused by freezing of plumbing, heating or air conditioning
systems applies to non-vacant as well as vacant.
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Manufactured Home Quote Sheet
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Foremost Classic Product Overview
Classic CL
Classic ACV
Owner Occupied
Owner Occupied
Credit - Loss
History
Condition issues
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Property – Dwelling Fire
DF1 – Named Peril
DF3 – All peril
Landlords &
Owner
Occupied
Marginal properties (Inspected)
Ala-Carte HO policies
Great for people with below average credit and
loss history
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Specialty Dwelling Quote Sheet
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Family Boaters
Personal Watercraft
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Foremost Boat Types
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Family Boaters Coverage Highlights
With a Foremost boat policy, customers can enjoy a wide range of standard and
optional coverages including:
• Agreed Value or Actual Cash Value settlement options (some restrictions apply)
• Towing and Assistance covers breakdowns while on the water and if the trailer
is disabled.
• Coverage for Personal Property protects wearing apparel, sports and fi shing equipment,
GPS and fi sh fi nders, and other personal property while on board or being carried on or off
the vessel.
• Medical Payments coverage for insureds and their guests while in, upon, boarding or
leaving the boat. Also covers individuals being pulled on water skis, wake boards or tubes.
• Uninsured Watercraft coverage
• Physical Damage coverage
• Liability coverage
• Coverage to recover and protect the boat from further damage
• Trailer coverage
• Total Loss Settlement option for newer boats
• Wreck Removal and limited Pollution coverage
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Family Boaters Discounts
• Foremost offers a variety of discounts that may save
customers money on their boat policy. Depending on the
state, these discounts can include:
• Multi-Unit for customers insuring more than one boat
• Multi-Policy for customers with additional Foremost or
Farmers policies
• Prior Insurance
• Actual Cash Value
• Protective Device
• Boating Safety Course
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Personal Watercraft Risk Groups
• PWCs up to 14’ in length
• Operated on the navigable waters of the U.S. and Canada, including
lakes/coastal waters up to 10 miles from the coast
• Owned and operated by the insured and household family members
or permissive users
• Most Jet Ski® models
• Most Wave Runner® models
• From stand-ups to four-seaters
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Personal Water Craft Coverage
Highlights
The Foremost policy offers a wide range of standard and optional coverages, including:
• Towing and Assistance covers breakdowns while on the water and if the trailer is disabled.
• Uninsured Watercraft Bodily Injury provides coverage for bodily injury for accidents for
which the insured is entitled to recover from an uninsured watercraft.
• Accessory coverage for things like racks, windshields and additional permanent
accessories that were not originally provided by the manufacturer.
• Med Pay covers the insured and their guests for medical payments within one year of an
accident that caused injury.
• Trailer coverage protects the trailer specifi cally designed to transport the covered vessel.
• Bodily Injury/Property Damage or Liability Only
• Coverage to recover and protect the personal watercraft from further damage
• Watersports Liability and Wreck Removal
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Personal Water Craft
Discount Highlights
• To keep policies competitive, Foremost offers a variety of
discounts that can save customers money on their premium.
Depending on the state, discounts can include:
• Multi-Unit for customers insuring more than one personal
watercraft
• Multi-Policy for customers with additional Foremost or
Farmers policies
• Renewal
• Prior Insurance
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Boat & PWC Quote Sheet
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Motorcycle and OffRoad Vehicle
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Motorcycle and ORV Risk Groups
Two wheel motorcycles including:
Foremost accepts a wide range of popular
• Cruisers
Off-Road Vehicles, including:
• Touring bikes
• Regular, sport and utility ATVs
• Sport bikes
• Dirt bikes
• Custom cycles
• Off-road motorcycles
• Standard and high-performance
• Classic cycles
snowmobiles
Approved Three-Wheel motorcycles
• Dune buggies
including:
• Golf carts
• Piaggio MP3
• Can-Am Spyder
• Trike conversions
Two- and three-wheel scooters and mopeds
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Motorcycle and ORV Coverage
Highlights
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Motorcycle and ORV Coverage Highlights
Continued and Discounts
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Motorcycle and ORV Quote Sheets
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Motor Home
Motor Home Risk Groups
• High-value and lower-value
• Motor homes up to 45 feet long
• New and older motor homes
• Units titled in a corporate name
• Units with multiple owners
• Full-timers
• Drivers over 70 (no surcharge)
• Drivers with minor violations
• Many types of conversion units
• Super-luxury motor homes
• Smaller family-oriented units
• Certain RV tow vehicles (must have GVWR over 10,000 lbs.)
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Motor Home Coverage Highlights
• Comprehensive coverage for just about any direct, sudden and
accidental loss, including collision, fi re, smoke, flood, landslide, hail,
windstorm, animals, vandalism, low branches or overhangs, theft and
lightning.
• Personal Property coverage applies to personal property loss that occurs
either inside or outside the RV.
• Diminishing Deductible included without any premium charge. For each
consecutive year the RV is insured by Foremost without a paid loss, we will
reduce the deductible by 25%. Foremost renewal customers may have
consecutive loss free policy years, so deductibles might be diminished
already. (Not available in every state, deductible rate reduction may also
vary.)
• Attached Accessories such as awnings and satellite dishes are covered.
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Motor Home Coverage Highlights
Continued
• Attached Accessories such as awnings and satellite dishes
are covered.
• Emergency Expenses coverage pays for lodging or travel
home if the motor home is damaged by a covered loss more
than 50 miles from home.
• Campsite/Vacation Liability coverage provides coverage
when the RV is parked and being used as a residence.
• First Accident Waiver means driving records will not be
surcharged for the first at-fault accident or minor violation.
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Motor Home - Other Available
Coverages
• Total Loss Replacement coverage protects customers from the effects
of depreciation. In the event that a new-model RV is damaged beyond
repair within its first five model years, and it is still owned by the original
owner, we’ll pay to replace it with a brand new one of similar kind and
quality. This option can save customers literally thousands of dollars
when compared to other policies that only pay Actual Cash Value (ACV)
of the RV at the time it’s destroyed. Restrictions and qualifi cations
apply.
• TraveLine® Towing and Roadside Assistance eliminates the hassle of
buying a separate towing plan. This valuable service is available 24 hours a
day, 365 days a year throughout the United States and Canada.
• Full-Timer coverage provides liability protection very similar to a
homeowners policy when the RV is parked and being used as a residence.
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Discounts and Surcharges
• Accident Prevention Course Discount for Operators Age
55 and Older: 5%
• Multi-Policy Discount: 5%
• Air Bag Discount: 15%
• Anti-Lock Brakes Discount: 5%
• Multiple Owner Surcharge: 75%
• Motor Homes Titled in a Company Name: 10%
• Driver Experience Surcharge:
An operator’s driving record of violations and at-fault accidents
for the prior three years are considered in rating.
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Travel Trailer
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Travel Trailer Risk Groups
• High-value
and lower-value
• New and older travel trailers
• Fifth-wheels
• Pop-up campers
• Luxury travel trailers
• Full-timers
• Truck-mounted campers
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Travel Trailer Coverage Highlights
• Comprehensive coverage for protection from just about any direct,
sudden and accidental loss, including collision, fire, smoke, floods,
landslides, hail, windstorms, animals, vandalism, low branches or
overhangs, theft and lightning.
• Diminishing Deductible for each consecutive year the RV is insured by
Foremost without a paid loss, we will reduce the deductible by 25%. The
diminishing deductible is included without any premium charge.
Foremost renewal customers may have consecutive loss free policy years
so deductibles might be diminished already. (Not available in every state,
deductible rate reduction may also vary.)
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Travel Trailer Coverage
Highlights Continued
• Coverage for Attached Accessories such as awnings and
satellite dishes. A special loss payment method applies to
specified exterior parts (roofs, siding, etc.) of the travel trailer,
giving owners more options.
• Emergency Expenses coverage that pays for lodging or
travel home if the rig is damaged by a covered loss more than
50 miles from home.
• Campsite/Vacation Liability coverage that provides liability
coverage when a travel trailer is used as a secondary residence.
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Travel Trailer- Other Available
Coverages
• Total Loss Replacement coverage protects customers from the effects of
depreciation. In the event that a new-model RV is damaged beyond repair within
its first five model years, and it is still owned by the original owner, we’ll pay to
replace it with a brand new one of similar kind and quality. This option can save
customers literally thousands of dollars when compared to other policies that only
pay Actual Cash Value (ACV) of the RV at the time it’s destroyed. Restrictions
and qualifications apply.
• Personal Property coverage applies to personal property loss that occurs either
inside or outside the RV.
• Full-Timer coverage provides liability protection very similar to a homeowners
policy when the RV is parked and being used as a residence.
• Fire Department Service coverage included up to $500.
• Debris Removal coverage included up to $1,000.
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Travel Trailer Types
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Product Information Page
Click here to go
into ForemostSTAR
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How to get into ForemostSTAR
You’ll need to sign up for
a unique ID and
password for
access to
ForemostSTAR. Go to
the “Get Started” section
and follow the links to
sign up for your
ID and password.
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How to Start a Quote
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How to Quote
How to Quote
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How to Quote
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How to Quote
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How to Quote
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How to Quote
It will also ask you for
county and if
Optional Equipment
exceeds $15,000.
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How to Quote
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How to Quote
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How to Quote
This is an annual
Premium.
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How to Quote
Print an Estimate
from this screen or
proceed to New
Business
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How to Input New Business
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How to Input New Business
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How to Input New Business
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How to Input New Business
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How to Input New Business
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How to Input New Business
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How to Input New Business
Prior to this screen
will verify Units one
more time
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How to Input New Business
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How to Input New Business
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How to Input New Business
Have the client sign and
Retain for your records
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NOW YOU HAVE COMPLETED
A NEW BUSINESS
APPLICATION!
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Questions???
J.C. Taylor Insurance
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J.C. Taylor Insurance –
Collectible Auto
Collectible Auto Market
• In 2007, it’s estimated that there are 3 million to 4 million collector cars in the
United
• States. It’s also estimated that this “niche” market is worth $3 billion in
premiums.
• The collector car market is massive, representing approximately 25 million
interested
• participants who follow sales and auctions and approximately 6 million who
actually own
• classic cars. According to Auto Trader Classics, the vast majority of the market is
buying
• and selling vehicles priced from $15,000 to $50,000. With this type of
investment, your
• customers may have a need that may have not been explored previously.
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J.C. Taylor Insurance –
Collectible Auto
What is an Antique and Classic Auto?
• An antique auto is a vehicle that is 25 years and older.
• A classic car is considered a vehicle 19 to 24 years old
• Both the antique and classic vehicles must be in the original
(or original restored) condition.
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J.C. Taylor Insurance –
Collectible Auto
What can they insure?
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Muscle Cars
Convertibles
Coupes
Retractables
Station Wagons
Vintage Motorcycles
Woodies
Corvettes
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Sedans
Steam Automobiles
Horseless Carriages
Light Trucks
Farm Tractors
Antique Delivery Trucks
Military Vehicles
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J.C. Taylor Insurance –
Collectible Auto
What is a modified Auto?
A modified automobile is simply a vehicle modified from its original condition.
Whether it's chopped, channeled, lowered, chromed, Frenched or flamed
or it's powered by a flathead, hemi, mouse motor, side oiler, Caddy or an Olds rocket,
the Modified Auto Program is the perfect fit.
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J.C. Taylor Insurance –
Collectible Auto
Modified Auto Program insures specialty vehicles:
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Street Rods
Customs
Modifieds
Replicas
Kit Cars
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Hot Rods
Exotics
Rare Vehicles
Resto-rods
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J.C. Taylor Insurance –
Collectible Auto
What do each of these mean?
• Street Rod - A vehicle manufactured prior to 1949 whose body, chassis, engine
suspension or interior has been modified.
• Customized/Modified - A vehicle manufactured after 1948, which is at least 20
years old and has been altered from its original condition.
• Replicar - A commercially assembled reproduction of any motor vehicle at
least 25 years old.
• Kit Car – A representation motor vehicle at least 25 years old consisting of
separately manufactured components that are assembled by the purchaser.
• Exotic Vehicle – A motor vehicle that is considered to be increasing in value
rather than depreciating because of its specific make, model year of
manufacture and exceptional physical condition.
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J.C. Taylor Insurance –
Collectible Auto
Coverages & Specialized Coverages
• Spare Parts Coverage - Up to $250 in spare parts is covered at no additional
cost.
• No Attendance Clause - Unlike other collectible auto insurers, we don't have
an attendance requirement for loss settlement. That means you can bring your
car to a show and not have to worry about a loss while you're walking around
and enjoying other displays.
• Agreed Value - To protect the value of your car, the "agreed value" on your
policy should represent your vehicle's current market value. In the event of a
total loss you will receive the full agreed amount less any applicable deductible.
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J.C. Taylor Insurance –
Collectible Auto
Eligibility & Resources for Antique and Classic
• Automobiles are primarily used as hobby vehicles. This includes exhibitions, club
activities, parades or other functions of public interest. Occasional pleasure drives are
acceptable.
• The minimum vehicle value is $2,000.
• Eligible vehicles for this program are at least 19 years old and in original condition. If
the body of the vehicle has been modified and/or the engine altered to increase speed,
the vehicle may be eligible for the Modified program.
• All vehicle operators must be at least 25 years of age and should have a good driving
record with no more than one moving violation and one at fault accident within the last
three years.
• All vehicles must be kept in a locked, fully enclosed garage when not in use.
• The underwriting mileage guideline is 2,500 miles per year but additional mileage
requests are considered.
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J.C. Taylor Insurance –
Collectible Auto
Eligibility & Resources for Modified
• Automobiles are primarily used as a hobby vehicle. This includes exhibitions, club
activities, parades or other functions of public interest. Occasional pleasure drives are
acceptable.
• Racing is prohibited, as are vehicles with nitrous oxide or roll cages.
• The minimum vehicle value is $3,000.
• All vehicle operators must be at least 25 years of age and should have a good driving
record with no more than one moving violation and one at fault accident within the last
three years.
• All vehicles must be kept in a locked, fully enclosed garage when not in use.
• The underwriting mileage guideline is 3,000 miles per year but additional mileage
requests are considered.
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J.C. Taylor Insurance –
Collectible Auto
How to Book Business
• By Phone
J.C. Taylor has staff with expertise.
Call Monday-Thursday, 8:30 AM to 4:30 PM Eastern Time
Friday 8:30 AM to 4:00 PM Eastern Time
• For Antique and Classic automobiles
1-888-ANTIQUE (1-888-268-4783)
• For Modified automobiles
1-877-HOT RODS (1-877-468-7637)
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J.C. Taylor Insurance –
Collectible Auto
How to Book Business
• Online
J.C. Taylor offers Foremost agents the ability to get quotes for Antique Auto
policies on www.jctaylor.com.
The site now provides quoting capabilities, as well as downloadable
applications and all necessary state-specific selection forms. Quotes,
applications and state-specific selection forms for Modified Auto policies are
also available on the site.
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J.C. Taylor Insurance –
Collectible Auto
How to Book Business
• New Business
• All applications, payments and claim submissions will be handled
directly through J.C.Taylor.
• Submit a completed application to J.C. Taylor with:
Payment for the estimated premium.
Photos of the collectible auto.
An appraisal if the car is valued over $30,000.
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J.C. Taylor Insurance –
Collectible Auto
How to Book Business
• New Business Continued
• About Photos: The Antique and Classic Program requires one color photo from a front
corner view. The Modified Program requires four color photos; one rear angle view, one
photo of the engine with the hood open, one front angle view and one interior view with
the door open.
• For Antique and Classic automobiles send applications and payments to:
J.C. Taylor Antique Auto Agency, Inc.
320 South 69th Street
Upper Darby, PA 19082
• For Modified automobiles, send applications and payments to:
J.C. Taylor Modified Auto Agency, Inc.
320 South 69th Street
Upper Darby, PA 19082
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Questions???