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In This Issue:
A New Twist-er from AIG
Cohabitating Homeowners Coverage
Special Feature: DocuSign FAQs
Additional Items:
Parting Shot
Last Week's Most Clicked
Sale of the Week

A New Twist-er from AIG
Imagine a mile-wide tornado spinning over 260 miles per hour, disguised as a rolling fog, before early warning systems were in place. In its path are over two dozen oblivious towns and small villages spread over three states. Some of those towns will be completely flattened. Railroad tracks will be pulled up, a multi-ton coal tipple will be rolled, sheets of iron will be carried 50 miles away and nine schools will be torn apart. In just under four hours nearly 700 people will be killed and over 2,000 injured. Several of the towns and villages will never be rebuilt. This was the Tri-State Tornado of 1925, the most devastating in U.S. history.

Fortunately most tornadoes are not of the EF5 or even EF4 type (less than 1%) with 80% being EF0-1, but even a small one can do a lot of damage if it hits a populated area. Systems for predicting tornadoes (at least in the U.S.) date back to the 1880s. Tragically, fear of depressing economic activity if areas were perceived as tornado-prone caused the U.S. Signal Service and later the U.S. Weather Bureau to use the less specific "severe local storms" instead. This practice continued into the 1950s. Even with modern radar the warning time of an actual tornado on the ground averages only 15 minutes, giving people in its path little time to get to safety. Knowing how to spot a tornado can save lives. To make it easier to spread the word AIG has prepared this weathering the storm tip sheet for your clients.

AIG's Private Client Group homeowner coverage is available to registered members in all states.

Policy Features:
The Affluent Homeowner program can be found at  
Special Feature:
DocuSign FAQs
Are you already using DocuSign? Great! DocuSign has developed a list of FAQs for you to share with your clients. Read on and feel free to share these to help explain why your agency is using esignature.

I've just received an electronic document to sign. Why don't you just send a print out?
Sending out our contract documents electronically means that we can spend less time on making sure your paperwork is up to scratch, a more time on delivering our services to your business. No more printing, faxing, scanning, or posting, our customer transactions are now all digital. You will get a faster, easier contract process, which will be fully compliant and allow you complete visibility and control at all stages of the process.

What is an eSignature?
An eSignature, or electronic signature, is an electronic indication of intent to agree to or approve the contents of a document. There are multiple options for creating this electronic signature - you can use your mouse, upload a scanned image of your signature, or type in your name and select a signature style to drop in.

What is DocuSign?
DocuSign is an eSignature solution. It allows us to deliver your paperwork digitally, prompt you for an eSignature and then record all of the relevant transaction against your customer record. We have chosen DocuSign because it's a market leading solution and it has a great integration with

Click here to read the full post from the DocuSign blog. Learn more about your Big "I" discount on Docusign at And check out the webinar section below for some upcoming opportunities to learn more!  
Cohabitating Homeowners Coverage
"Cohabitating" couples are commonplace today. Indeed, two-thirds of couples "cohabitate" for an average of 31 months before marriage.1 But these unmarried partners may be surprised to find their 'significant other' shortchanged under traditional homeowners insurance, which typically extends coverage only to 'relatives' residing at the insured home or condo.

An endorsement to LexElite® Homeowners Insurance, Significant Other Coverage cost-effectively closes this coverage gap, extending critical protection to the romantic partner of the named insured.

Coverage Highlights
Significant Other Coverage revises the homeowners policy's definition of "insured" to expressly include an additional resident of the household who is not the named insured's relative, but is their significant other (i.e., romantic partner). And it extends peace of mind and protection to the significant other, providing:
  • Worldwide third-party liability coverage for the significant other.
  • Personal property protection for the significant other's personal possessions (while also increasing personal property limits 5 percent).
A leader in homeowners insurance protection, Lexington is always discovering new ways to keep policyholders well protected - and to keep pace with the exposures of modern life and modern families.

Significant Other Coverage is the newest in our series of enhancements to the LexElite Homeowners policy. Other available endorsements include: LexShare® HOME Rental Coverage, Mandatory Evacuation Response Coverage, Lex CyberSafety® Coverage, Pet Critical Injury Coverage, Upgrade to Green® Residential, and LexElite Eco-Homeowner® Insurance. All coverages come with industry-leading LexElite claims services.

Download this article on a flyer. Visit for information on all the Non-standard HO markets available - Homeowners & Rental Dwelling, Condominium, Renters, and Vacant Dwelling.


Lexington Insurance Company, an AIG company, is the leading U.S.-based surplus lines insurer. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Not all products and services are available in every jurisdiction, and insurance coverage is governed by actual policy language. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. © American International Group, Inc. All rights reserved. 02/16 1011D
Big "I" Virtual University Webinars

Don't miss the following education opportunities provided from the Big "I" Virtual University experts that focus on topics agents need to know to make a smart start in 2016. For more information, contact national staff.
  • May 2. "First Monday LIVE!" is a free monthly webcast hosted by the VU's own Bill Wilson and guests on the first Monday of the month to discuss the wide world of insurance from seemingly non-insurance topics. Each 30-minute webisode covers "what's going on" (drones, car sharing, concealed weapon laws, legalized marijuana, legislative issues) and the implications. May topics are pending as information is seen in the news. Click here to learn more and register and here to access the recordings.
  • May 11. "The Dumb Things We Do" " We all can make mistakes in our understanding, advice and actions when it comes to insuring the public. These coverage and procedural mistakes become problematic when they adversely impact consumers and businesses, leading to inadequately covered losses and all too often, litigation. This program taps into a file accumulated by Bill Wilson and David Thompson over the past decade of over 500 real-life incidents that imperiled the financial condition of consumers and businesses. Click here to learn more and to register.
DocuSign for Big I Members: Keeping Business Digital with eSignatures

Join us to learn more about DocuSign for your agency. We'll show you how you can use DocuSign for everything from new policy applications to coverage election forms. We'll cover the basics, including how to take advantage of your exclusive Big "I" member price discount, and leave plenty of time for you to ask us questions:
  • Legality and security: We'll show you how DocuSign is a best practice in keeping you and your clients safe
  • Ease and convenience: See what your clients will see when you send documents through DocuSign, and learn just how easy it is to sign
  • Sending, templates and account management: We'll get you up to speed on setting up your account, short cuts with document templates, and account management 101
We'll see you there!

Click the date to learn more and to register:  
Remember that you can view the following webinars 24/7 by checking out the BIM Webinar Library. To do that log onto Big "I" Markets and click on "Publications".
  • Personal Liability Trends - Fireman's Fund
  • TravPay
  • Commercial Lessor's Risk
  • Affluent Homeowners
  • Travelers Select Products (series)
  • Travel Insurance
  • Community Banks
  • XS Flood
  • Real Estate E&O
  • RLI Personal Umbrella
  • Affluent Homeowner
  • "Oh, by the way...Flood Sale"
  • Habitational
  • Non-standard Homeowner
  • Student Housing
For all you folks who recently registered for Big "I" Markets, remember you can participate in a webinar from the comfort of your office to help you learn how to navigate around the system. Every Thursday at 2:00 p.m. EDT we'll show you how to navigate the Big "I" Markets platform, including how to submit a quote! A recording of this webinar can be found under "Publications" after logging into Big "I" Markets.
Two for Tuesday Trivia
Be one of the first five with the correct answers and win an envy-inspiring TFT Trivia T-shirt or choose a $5 gift card (Starbucks, Dunkin' Donuts, Baskin Robbins, or Krispy Kreme).

Don't forget to answer the Tie Breaker!
1. The Tri-State tornado is the third worst recorded. Where & when was the most devastating tornado in the world?
2. On this date (April 19th) in 1960, what was added to Major League baseball uniforms?
3. Significant Other Coverage is the latest enhancement to the LexElite HO policy. Name two of the others.

Dorothy Gale was famously swept up in a fictional Kansas hurricane and used her slippers to get home. What color were the slippers in Baum's original story?
Here are the top three items that got BIM agents clicking from our last edition... see what you missed!
  1. "Agency E&O Considerations When Using Social Media" article
  2. Bizarre Christmas Claims
  3. Big "I" Markets upcoming new look
Big "I" Markets Sale of the Week
Congratulations to our agent in Washington on a habitational condominium sale of $15,686 in premium!  

Tuesday, April 19, 2016

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TFT is authored by Michael Welch
Big "I" Markets Marketing Assistant