Login to Big "I" Markets  /  Retrieve Password      January 28, 2020

In This Issue:
Small Commercial    |    Special Feature    |    Affluent Homeowners - AIG

When it comes to providing the best solution possible for your affluent clients, make sure they're Chubb. Insured.<
Commercial Auto Options for your clients. Not all carriers available in every state.
Quote and bind in less than four minutes! A comprehensive cyber liability policy and free cybersecurity tools for policyholders. Your cyber market solution!

Our Small Commercial Carriers Have Big Appetites"

Being buried in snow, basking in the sun or wishing you were is no excuse to not know about the Big "I" Markets Small Commercial program. Through Big “I” Markets you have access to three big carriers with big appetites and great coverages in most states so you should be able find the coverage you need.

Travelers Select®
Travelers Select Accounts offers a robust variety of coverages for small businesses. A proprietary BOP product called Master Pac® , Workers' Compensation, Commercial Automobile, and Commercial Umbrella are available, with a broad array of industry-specific coverage options and coverage extensions. Full Eligibility Guide.

AVAILABILITY - Travelers is available in all states except AK, FL, HI & RI.

CNA Small Business
CNA Small Business currently offers a market for a broad variety of businesses, representing Healthcare, Financial Institutions, Professional Services, Business Services, Technology, Retail, Real Estate, Wholesalers and Manufacturing. BOP, Workers Compensation, Commercial Automobile, Umbrella and Miscellaneous Professional Liability products are available. Full Eligibility Guide.

AVAILABILITY - CNA is available in all states except AK, FL & HI.

Chubb Small Commercial Insurance (SCI) leverages superior underwriting expertise and world renowned claims, account services, and financial strength to offer solutions for small businesses with up to $10M in revenue, in more than 500 business classes across the following industries: Clubs and associations, Cultural institutions, Financial services, Healthcare, Real estate, Retail stores, Service businesses, Technology, and Whole-sale businesses. BOP, Workers Compensation, Commercial Automobile, and Umbrella products are available. Full Eligibility Guide.

AVAILABILITY - Chubb is available in all states except AK, HI, LA & WA. Additional regional limitations may apply.

To submit a quote, log into Big "I" Markets and click on "Small Commercial." Contact Big "I" Markets commercial underwriter Claire McCormack at claire.mccormack@iiaba.net or (800) 221-7917 ext. 5415 with any questions.  

Recording Now Available: Latest in Agency Risk Management Essentials Webinar Series

Big "I" Professional Liability

How can you ensure your approach to limits is correct? Do you feel confident that proper policy limits are in place for your clients? Do you worry about whether your own agency is appropriately protected? When your customers are under-insured, it creates claims against your agency. When your agency is under-insured it limits the defense your carrier can provide.

Don't let the fear of a large claim keep you up at night. Visit EOHappens and view the recording of last week's highly attended Agency Risk Management Essentials webinar, A Limits Discussion: How Much is Enough for You and Your Customer. This and other valuable sessions are available to view on demand (at no cost) at www.iiaba.net/EOHappens.

Still have questions? Make them in the comments section of the recording or email Pam Andrews.

More risk management information is available 24/7 at EOHappens.  

AIG Insuring "Liquid" Assets

The whisky enthusiasts among your clients have taken great care in building and maintaining their collections. When it comes to protecting collections, AIG Private Client Group, a division of the member companies of American International Group, Inc. (AIG), is equally attentive. They offer expansive specialized coverage for spirits, complemented by a range of services designed to preserve long-term value.

Coverage highlights
Broad, customizable coverage

Policies respond to damage from fire, theft, earthquake, flood and breakage. Depending on the makeup of the collection, your client may decide on one overall coverage limit to cover everything, or to address bottles individually.

Up to 150% replacement cost
If a covered item must be replaced, it's less vulnerable to market volatility.

Mechanical breakdown
Your clients are protected if spirits spoil due to climate control system failure.

Newly acquired items
New acquisitions are immediately covered for up to 90 days from the time of purchase.

Worldwide coverage
Each item included on the policy is protected, regardless of location.

In-transit items
Rest assured that your clients' bottles are covered during shipping, whether from the point of purchase or between residences.

Risk management solutions
AIG Private Client Group's team of risk management specialists can help your client preserve the value of their collection by minimizing its exposure to conditions that can lead to breakage or spoilage.

Appraiser recommendations
They connect your client to third-party professionals who are best equipped to assess their particular collection.

Storage solutions
They advise on proper storage conditions when building or renovating your cellar.

Inventory management
They recommend inventory software programs and/or third-party vendors that provide inventory solutions. With their help, your client will know what they own, where it's located and the opportune time to drink it.

An elite vendor network
Access their directory of pre-screened resources for shipping, buying and selling high-end spirits; offsite storage facilities; state-of-the art security and temperature-control systems.

Helpful hints to share with your clients
  • Whisky should be kept in a cool dry place away from direct sunlight. Heat and dramatic temperature swings can pose significant problems, forcing evaporation and damaging seals.
  • The relative humidity (rh) for storage should remain as constant as possible; anything too low or high could harm corks and labels. Be aware that some wine cellars are kept humid for wine corks, but that same humidity can damage cardboard or wood packaging.
  • Packaging is tied to value, so check bottles regularly to ensure that no mold or staining is present. If you have a moldy or musty natural cellar, consider storing spirits elsewhere.
  • If your home cannot provide the conditions optimal for aging your collection, consider renting space at a specialty storage facility.
  • Always store bottles at least 8" off the ground to avoid damage from floods or leaks.
  • Store bottles upright so the alcohol won't damage the cork and seal.
  • Never store chemicals, paint or odorous materials near your collection.
  • Avoid storing bottles in areas subject to vibrations, such as beneath or next to a home theater.
  • Install a central alarm system in your storage area that will detect threats from theft, fire, moisture, and temperature fluctuation. The most up-to-date alarm systems can even send alerts directly to your mobile device.
AIG's Private Client Program is available to registered members in all states. Log in to www.bigimarkets.com and click on Affluent Program - New Business to learn more!  

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Two for Tuesday is a weekly newsletter designed to provide you with information concerning commercial products and services available to you through Big "I" Markets. (Product availability varies by state.) IIABA, your professional association, along with its subsidiaries, including Big "I" Advantage, Inc., works hard to bring information to you about valuable products and services that could enhance your ability to succeed in the industry's competitive environment.
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