Agents know that offering personal umbrella coverage to every client is essential. But did you know that the Big "I" has developed a customizable declination form that you can use to document that you've offered umbrella coverage in your client files? Visit www.iiaba.net/RLI to download the form from the right hand menu. Simply add your agency name to the bottom using the PDF form field.

For clients who choose to invest in umbrella coverage, here are some policy features from our standalone umbrella partner RLI:

• Limits up to $5 million available ($1M in NM)
• Excess UM/UIM available in all states.
• The insured can keep their current homeowner/auto insurer
• New drivers accepted - no age limit on drivers
• Up to one DWI/DUI per household allowed
• Auto limits as low as 100/300/50 in certain cases
• Competitive, low premiums for increased limits of liability
• Simple, self-underwriting application that lets you know immediately if the insured is accepted
• E-signature and credit card payment options
• Immediate coverage available in all 50 states plus D.C.

Stealing Old Cars and Hearts

Compared to newer cars, far fewer antique and classic cars are stolen, but some thieves actually specialize in them. For a car thief, time is valuable, as the chance of getting caught increases the longer it takes to get a car moving. Collector cars were designed with few if any anti-theft devices, especially the older they get. Ironically the process needed to start some of the really old cars can act as a deterrent, but a true professional thief might bring a trailer.

Once stolen, a classic car may have the VIN switched and be sold to an unsuspecting buyer. No one is immune, even famous people such as Dr. Phil, and John Schnatter, the founder of Papa John's pizza. Their cars were recovered but most are not as was the case of famous car enthusiast Steven Juliano's distinctive '70 Plymouth Barracuda. If not resold in the U.S. the cars are either chopped up for parts or shipped overseas. A handful of cars are recovered years or decades later and may have a complicated chain of ownership. A few owners have tracked down the cars on their own. Sadly, when recovered the cars are rarely in the same condition resulting in a bittersweet reunion, although there are cases where it's even better.

Of course preventing theft is best and for classic cars that means layering the protection. The more layers between your client's car and a thief the better. Don't let your clients rely on thinking their classic car isn't worth enough to be a target. In fact, believing that you need to protect your classic car is usually the best first layer.

Proper insurance is essential as a standard auto policy doesn't address the needs of replacing or restoring a classic car and your client will want to know why their beloved car wasn't properly covered. The experts at Chubb Collector Car program understand the emotional attachment the owners of these cars have and the pain they experience when they are stolen or damaged. Chubb offers "Agreed Value" coverage that can increase with the value of the vehicle as well as a choice of body shop and no deductible on collector vehicles.

Chubb loves these vehicles so much that they sponsor car shows such as the upcoming Pebble Beach Auctions on August 18^th and 19^th. See the Chubb Facebook page for additional information.

Chubb's Collector Car program is a perfect solution when looking to properly insure rare and unique vehicles. Chubb can cover almost all of the classic and antique cars, trucks, tractors, fire trucks and even military vehicles*. New collector car risks will be entertained provided they meet the following guidelines:

• All operators in the household must have good driving records.
• The vehicle should not be operated by anyone under the age of 25.
• All operators should have experience operating similar vehicles (i.e., high performance).
• There is one regular-use vehicle per operator.
• The vehicle should be used primarily for collector car purposes.
• The vehicle should not be used during instruction, practice, preparation for, or participation in any competitive, prearranged or organized racing or speed contest.
• The vehicle is not used on a racetrack, test track or any other course of any kind.
• The vehicle is garaged.