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Mexico Tourist Auto
Seguros de RC para USA
Int’l Health Insurance
Domestic Products
RV & Travel Trailer
Manufactured/Mobile Home
Watercraft
Motorcycle
Commercial Auto
IT/Web Products
Website Design
SEO Expertise
Custom Programming
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Logo / Graphic Design
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INTERNATIONAL INSURANCE GROUP, INC.
2010 PRODUCER GUIDE Featuring…
2010 IIG Producer Guide 2
Message from Management
Dear Producer:
We would first like to thank you for your continued production and loyalty! The past 12 months have been tough for all of us and we recognize your efforts during these times. As always we continue to make our systems and products an integral part of your agency’s added value. In this regard, we are excited to announce some of the additions we are offering our agents for the rest of 2009 and beyond. Some new highlights include:
• Review of our domestic programs which provide US domestic coverage for Commercial Fleet Auto, Manufactured/Mobile Home, Motorcycle, RV and Travel Trailer, and Watercraft Insurance for your customers in nearly every state. If you are selling these products with Foremost or Progressive, give us a chance to show you other options.
• Announcing our new IT Division, especially designed to help agents & brokers sell all types of insurance on the web.
• Addition of another top Mexico Tourist Auto insurer, Qualitas Compañía de Seguros – they are the leading Mexico Resident Auto Insurer.
• Continuation of our excellent programs with GNP, ABA Seguros/GMAC, GE/HDI Seguros, and ACE Seguros.
We are committed to providing you with the best service possible. We appreciate all your feedback! Thank you again for your production and support!
Sincerely,
Table of Contents
Announcement about ITIS
Page 4
About IIG
5
Staff Directory
6
US domestic Insurance Products
7
Commercial Vehicle Insurance
8
Manufactured/Mobile Home
9
Motorcycle
10
RV and Travel Trailer
11
Watercraft
12
Mexico Insurance
13
Growing your agency with Mexico Insurance
14-18
Supply Order Form
19
IIG and Quomation Join Forces
20
Mexico Insurance standard Coverage
21
Things to know to avoid E&O exposure
22
FAQ’s
23-24
Cancellation Procedures
25
About our Underwriters
26
Coverage Limits
27
Program Comparison Charts
28-29
Other International Products
30
Northbound Auto
31
2010 IIG Producer Guide 4
Announcing the Launch of
www.ItIsWebDevelopment.com
!
Find out more about
Insurance Technology & Internet Solutions
on Page 32, 33, & 34!
www.ItIsWebDevelopment.com
(866) 991-ITIS
121 E. Birch Ave Suite 207
Flagstaff, AZ 86001
About International Insurance Group
International Insurance Group holds Insurance licenses in 49 states. IIG has been providing agents with systems and products for Specialty Personal Lines for the last 10 years. In those 10 years, we have focused on personal service and automation in an effort to help our agents and distributors improve your bottom line.
Based on feedback from our agents, IIG has added new programs to strengthen the product lines available to our agents. Our new products include Commercial Fleet Auto, Manufactured/Mobile Home, Motorcycle, RV and Travel Trailer , and Watercraft insurance from A rated carriers at great commission levels. In addition to these Domestic Specialty products, IIG has also launched additional products specifically designed for the Hispanic Market, such as our Tus Brazos Hermanos repatriation product and MexEvac evacuation coverage
IIG’s automated policy administration system has revolutionized the way Mexico Auto Insurance business is conducted. Via the Internet, the system provides the following functionality and eliminates the labor intensive manual process previously associated with Mexico Tourist Auto Insurance. IIG’s focus is on helping producers to generate significant revenue in this growing niche, and also to help our producers retain key personal lines customers by offering this product as an accommodation. IIG’s websites provide the following functionality for agents and brokers:
1 Allows agents/insurers to issue policies in real time
2 Allows agents and insurers to sell directly to consumers via the agent/insurer website 3 Quotes premium(s)
4 Underwrites utilizing company guidelines 5 Offers a variety of coverage and price options 6 Assigns secure policy number at time of purchase 7 Collects premium(s)
8 Issues policy
9 Emails policy to consumer, agent, and interested third parties such as a lien holder 10 Provides customers, agents, underwriters, and claim staff 24x7 access to their account
for a variety of services
11 Retains information, allowing a new policy to be issued from a previously issued policy. 12 Real time policy look-up with the capability for immediate coverage confirmation for an
accident
The changes brought about by this technology are numerous and far reaching and they represent a win-win for all parties to the cross border transaction:
1 The point-of-sale has moved from the border to as far north as Canada and Alaska 2 Customers can conveniently purchase a policy in advance of their departure vs. having to
linger as a last minute concern when they reach the border 3 Customers can choose when to buy, 24x7
2010 IIG Producer Guide 6
IIG STAFF DIRECTORY
v October 09
Name
Title
Ext. Email Address
Basco, Pam Sr. Receptionist 110 [email protected]
Beaty, Erin Account Executive - Licensed 124 [email protected]
Callihoo, Andrew RV Sales Manager - Licensed 156 [email protected]
Galiano, Rachael Account Executive - Licensed 132 [email protected]
Garcia, Angel Account Executive - Licensed/Bilingual 128 [email protected]
Gonzalez, Debi Compliance Manager - Licensed/Bilingual 158 [email protected]
Howington, George IT Manager 110 [email protected]
Kohl, Alan Management Consultant - Licensed/Bilingual N/A [email protected]
Kartchner, Derek Business Development - Licensed/Bilingual 130 [email protected]
Labelle, Andrea Vice President - Licensed 118 [email protected]
Labelle, Jim President / CEO - Licensed 114 [email protected]
Mercer, Mike Account Executive - Licensed/Bilingual 122 [email protected]
Mangels, Jack Lead Software Engineer 110 [email protected]
McDade, Roxanna Lead Web Designer 110 [email protected]
Singer, Jennifer Accounting Assistant 126 [email protected]
Tessone, Alicia Sr. Customer Service Rep. 168 [email protected]
Waller, Katie Accounting Manager 112 [email protected]
Watson, Nate GM / COO - Licensed/Bilingual 120 [email protected]
Woods, Floyd Texas Marketing Mgr - Licensed 157 [email protected]
US DOMESTIC
INSURANCE
PRODUCTS
THE IIG EVOLUTION
2010 IIG Producer Guide 8 Program Highlights
Competitive Rates Low Down Payments
Light Commercial Specialists Up to 1 Million CSL
GVW up to 33,000
Foreign Drivers License are eligible
What’s in it for you? Competitive commissions 15% new / 10% renewal No volume requirements Online Rating
Underwriting Company National Interstate Insurance
Company A rated company Online Rating Low Rates
Policy Management Tools Program available only in CA
and TX
For more information about this product visit www.specialtyinsonline.com/Commercial, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at
Not interested in our commercial auto product? Take a look at one of our other specialty markets!
www.SpecialtyInsOnline.com Recreational Vehicle Travel Trailer Commercial Auto Manufactured/Mobile Home Motorcycle Watercraft Mexico Tourist Auto
Program Highlights Comprehensive Personal Property
Personal Liability and med payments
Replacement Cost
Replacement Cost for partial losses
Additional Living Expenses Identity Theft
What’s in it for you? Competitive commissions 15% new / 10% renewal No production requirements Online Rating
Underwriting Company Multiple A Rated Carriers American Modern, American
Summit, and Assurant! Online Rating
Low Rates
Program available in all states
For more information about this product visit www.specialtyinsonline.com/MH, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at
Not interested in our Manufactured/Mobilehome Insurance product? Take a look at one of our other specialty markets!
www.SpecialtyInsOnline.com Recreational Vehicle Travel Trailer Commercial Auto Manufactured/Mobile Home Motorcycle Watercraft Mexico Tourist Auto
2010 IIG Producer Guide 10 Program Highlights Liability Comprehensive Collision Replacement Cost Accessories Safety Apparel Trip interruption Roadside Assistance
What’s in it for you? Competitive commissions 15% new / 10% renewal No production requirements Online Rating
Underwriting Company Multiple A Rated Carriers Access the American Modern
motorcycle program! Online Rating Low Rates
Program available in all states
For more information about this product visit www.specialtyinsonline.com/Motorcycle, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at
Not interested in our motorcycle product? Take a look at one of our other specialty markets!
www.SpecialtyInsOnline.com Recreational Vehicle Travel Trailer Commercial Auto Manufactured/Mobile Home Motorcycle Watercraft Mexico Tourist Auto
Program Highlights Diminishing Deductibles Full Timers Coverage Total Loss Replacement Personal Effects
Mexico Physical Damage endorsement
What’s in it for you? Competitive commissions 15% new / 10% renewal No production requirements Online Rating
Underwriting Company Multiple A Rated Carriers Access National Interstate
and American Modern RV programs!
Online Rating Low Rates
Program available in all states
For more information about this product visit www.specialtyinsonline.com/RV, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at
Not interested in our RV product? Take a look at one of our other specialty markets!
www.SpecialtyInsOnline.com Recreational Vehicle Travel Trailer Commercial Auto Manufactured/Mobile Home Motorcycle Watercraft Mexico Tourist Auto
Introducing: Specialty Recreational Vehicle and Travel
2010 IIG Producer Guide 12 Program Highlights
Physical Damage
Agreed Value Valuation option for PD
Liability
Medical Payments Trailer Physical Damage Uninsured Boaters Coverage
What’s in it for you? Competitive commissions 15% new / 10% renewal No production requirements Online Rating
Underwriting Company Multiple A Rated Carriers Online Rating
Low Rates
Program available in all states
For more information about this product visit www.specialtyinsonline.com/Watercraft, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at
Not interested in our watercraft product? Take a look at one of our other specialty markets!
www.SpecialtyInsOnline.com Recreational Vehicle Travel Trailer Commercial Auto Manufactured/Mobile Home Motorcycle Watercraft Mexico Tourist Auto
MEXICO
INSURANCE
2010 IIG Producer Guide 14
Growing Your Agency with Mexico Insurance
The US government estimates that over 88 million vehicles cross into Mexico each year. Our largest producers are located not just in the Southwest, but also in places like Illinois, Georgia, and the Pacific Northwest. How are they achieving such success?
Hispanic Marketing
The Hispanic population in the US has grown substantially. Many Hispanics of Mexican origin drive to Mexico often to visit friends and family. With the possibility of a guest worker program looming, this will create a greater need for this product.
If you serve the Hispanic market, are you cross selling your current book? If your clients find you offer Mexico Auto Insurance, you might be surprised by the number of referrals you will receive. Our office can provide you with a bilingual online system, brochures, marketing window posters, and other materials.
Other ideas for reaching this market include yellow page advertising, referrals from local consulates and employers, and specific Spanish language/Hispanic oriented newspaper advertising.
Linking your web page to related sites is also an excellent way to develop traffic in this niche. Tourist Marketing
When was the last time you went to Mexico? If it has been awhile or if you have never gone, you may be surprised by the progress. Both Public and Private development has increased
exponentially. Many US tourists visit annually and others have purchased real estate in Mexico. How are you serving this market? With the continued development of these areas we expect continued growth.
Again, yellow page marketing, referrals from local travel agencies, and tourist magazines are a great way to generate business.
Linking your web page to Mexico related sites is an excellent way to develop traffic. Snowbird Marketing
More and more Snowbirds are wintering in Mexico, generating higher premium with long term policies. As the Baby Boomers reach retirement this market is exploding. Adding this product to your yellow page ads and linking your web page to related sites is also an excellent way to develop traffic in this niche.
Commercial Auto/Rental Fleet Marketing
LET US HELP YOU!! MARKETING MATERIALS!!
Please visit our forms section on www.mexicoinsuranceonline.com to order the following marketing materials:
• Posters to put in your storefront
• Posters to put in local employer businesses • Yellow Page ad samples
• Bilingual rack cards
• Banner Ads/Website marketing materials for your website Other proven marketing techniques include:
• Referrals from US auto insurance companies • Linking to Mexico related websites
• Joining Hispanic Chambers of Commerce • Getting involved with Snowbird clubs • Working with Missionary clubs
• Contacting your local Mexico consulate • Working with Expatriate groups/websites • Advertising at Universities
How does selling Mexico Insurance help me grow my domestic business?
Aside from the commission you earn on the Mexico Auto Business, you also have the ability to download Mexico customer data for the cross sell of your domestic products. From our reporting system you can download a sortable database which includes the customer’s current US domestic insurer, the ex-date of their current policy, phone number and other information. IMAGINE LEADS YOU GET PAID TO RECEIVE?
While many producers offer Mexico insurance only as an accommodation to their current
Personal Lines clients, other producers are significantly increasing agency revenues by marketing this product to Hispanic customers, and then cross selling the customer into the Agency’s
Personal Lines products.
2010 IIG Producer Guide 16
To order supplies please fill out the supply order form found in the producer area at
2010 IIG Producer Guide 18
WWW.MEXICANINSURANCEONLINE.COM
SUPPLY ORDER FORM
Fax or email this form to: [email protected] or Fax 928-779-7221
Agency Name ______________________________________________
Attention ______________________________ Aff. ID______________
Address ___________________________________________________
City _______________________________________________________
State ______________________________________________________
Zip _______________________________________________________
Phone ____________________________________________________
Fax _______________________________________________________
Email _____________________________________________________
SUPPLIES QUANTITY
Marketing Posters (English/Español) ________
Marketing Rack Cards English ________
Spanish ________
Marketing Brochures in Spanish ________
ABA
Terms and Conditions Booklets ________
2010 IIG Producer Guide 20
IIG plus Quomation makes issuing Mexico Insurance a piece of cake!
Can IIG Mexico Insurance Issuance Systems Be Made any Easier?
We at IIG are committed to
continual improvement of our
issuance systems. Our goal is
to make the issuance of
Mexico Insurance as easy and
quick a process as possible. In
2007 we launched our latest
version
of
our
Mexico
insurance
systems,
which
boasted new functionality, more speed, clearer quote results, and more. However, we
have always lacked the ability to integrate our systems with single entry multiple quote
software that already contain your clients current information allowing for the
completion of quote and policy application information to be pre-populated with just a
click and bridge. However, we understand many agents use comparative rating systems
and that integration would make the issuance of Mexico Insurance even easier.
To this end, we recently inked a contract with Quomation Insurance Services. This
partnership will allow users of Quomations PowerQuote Software to quote and bridge
with IIG’s Mexico Insurance issuance system. Multiple quotes will still be available from
market leaders such as GNP, ACE Seguros, GE/HDI Seguros, and ABA Seguros. Issuance
will still be done via IIG’s systems but information from PowerQuote will be transferred
to eliminate the need to input your client’s information into the system. Can it get any
easier? IIG systems plus Quomation makes it a piece of cake.
Completion of the project is expected early 2010 (hopefully ready by January 1
stfor
launch). For more information about IIG’s partnership with Quomation, how to access
the program, and anything else about the partnership, please contact Derek Kartchner
The Mexico Tourist Auto Insurance Standard Coverage
Coverage in Mexico is available for the majority of vehicle types, including Autos, RV’s, Motorcycles, Travel Trailers, and Commercial Trailers.
Policy terms are available from one day to one year. Breakdown of Basic Mexico Auto Coverage:
Following are the 6 basic coverages found in Standard Mexico Auto policies. Note that Mexico Auto Policies are Named Peril policies, and include some exclusions not typically found in US Personal Auto policies:
Liability and Related Coverage Included in all policies:
1. Civil Liability - Coverage is available up to $300,000 U.S. Combined Single Limit for damages to others. It is important to note this coverage applies to claims and suits brought and adjudicated in Mexico only.
2. Guaranteed Bond and Legal Assistance - Our policies will pay to assist the insured in the event they need to deal with Authorities following a covered cause of loss.
3. Travel Assistance - Our policy includes certain types of travel assistance, including medical assistance, tourist information, vehicle towing, etc.
4. Medical Expense For Occupants - Our policy will pay the medical expenses of the driver and occupants of the vehicle in Mexico for injuries sustained in a covered loss. Coverage is available up to $25,000 CSL.
Optional Physical Damage Coverage
1. Property Damage To Your Vehicle - This coverage includes Collision, Turnover, Fire, Lightning, Explosion, and certain meteorological events among other coverage. Note that "Comprehensive" coverage as known in the U.S. is not available in Mexico.
2. Total Theft - This coverage includes Total Theft of the vehicle.
2010 IIG Producer Guide 22
Standard Exclusions & Things to know to Avoid E&O
Exposure with Mexico Auto Insurance
The following are some important differences and exceptions found in policies issued for travel in Mexico.
1} If two Americans have an accident in Mexico and wish to file a suit in the US, Mexico's policy will not respond to a liability suit brought to the US. It will only respond in Mexico.
2} Liability for bodily injury sustained by a third party (passengers) in the insured vehicle is not covered. Example: There is no coverage if passengers of the same vehicle sue each other. However, no-fault medical payments coverage for passengers is provided.
3} Damage caused by a person without a valid driver's license or under the influence of alcohol or drugs is not covered. If your insured has a valid driver's license, and is not under the influence of alcohol or drugs, our policy will provide protection.
4} Damage sustained while participating in speed trials or races is not covered.
5} Loss or damage to under-parts of the insured vehicle as a result of overloading or rough roads is not covered.
6} Pilferage or partial theft of parts and/or accessories is not covered. Theft coverage is provided only if the entire vehicle is stolen. Vandalism is also excluded. This coverage can be added back by selling your customer one of the following endorsed policies; ABA Plus, ACE Platinum, GE Premier, or GNP Deluxe or GNP Flex and Zurich Z-Mart.
7} Trailers or boats that are towed must be listed on the policy in order to be covered. If the towed units are not listed, there is no coverage for either the unlisted trailers or boats nor the towing vehicle.
8} Coverage for physical damage is not included unless it is purchased and specifically described in the policy.
9} If your customer returns to the US without an adjuster's report, coverage is void. All accidents must first be reported in Mexico.
10} Generally speaking, there are no refunds on 6 month or annual policies if cancelled more than 15 days after the effective date. Any cancellations on short term policies must be made prior to the effective date of coverage. Short term policies cannot be cancelled after the effective date. All cancellations are subject to company retention of up to the $15 policy fee.
limitations-Frequently Asked Questions About Mexico Insurance
Agents and customers often have questions about what to do in certain situations. The following is a list of frequently asked questions and answers. If your question is not found here, please give us a call at 1.888.467.4639 or email us at [email protected]
Q. What other options do I have besides using a credit card?
A. In addition to issuing policies with a credit card, we also offer the option for your agency to employ the use of our Electronic Funds Transfer option allowing for agency bill. To access this great alternative simply fill out the EFT forms available at
www.mexicaninsuranceonline.com/forms
Q. What is the difference between fixed and percentage deductibles?
A. FIXED DEDUCTIBLES: If you choose this option your deductibles are $500 for collision and $1000 for theft, regardless of your vehicle value. This option is required by most leasing companies and lien holders. By choosing this option your premium will increase by a few percent, but in the event of a claim you will save significant money when compared to the Percentage Deductible option offered by most typical Mexican Auto Insurance policies.
PERCENTAGE DEDUCTIBLES: This form of deductible has been customary for many years in the Mexican Tourist Auto industry. While this option reduces the premium by a few percent, in the event of a claim this option will cost you much more. If you choose to insure your vehicle using this option, the deductibles are 2% of the vehicle value for collision and 5% of the vehicle value for theft, with typical minimum deductibles of $1000 for collision and $1500 for theft.
Q. The lien holder needs the liability limit to be $100,000, how do I endorse the policy? A. We are unable to make ANY changes to the policy that will change the premium. All premium bearing changes require that the policy be cancelled and re-written. You are able to do both the cancellation and the re-issuance of the policy by entering the “Producer Log-In” area in our main menu at www.mexicaninsuranceonline.com.
Q. Can I get coverage for a rental car in Mexico?
2010 IIG Producer Guide 24
Q. When I submit a quote why is it that sometimes I only get the option for liability only, and there is no option for physical damage?
A. Several reasons:
1. Mexico coverage can only mirror the coverage that you have in the states (unless you are in Mexico 6 months or more). Therefore, if you have liability only coverage in the USA or Canada, then the insured is eligible only for liability coverage, legal aid, medpay, and travel assist in Mexico.
2. Due to the high value of some vehicles the underwriter will only cover them for liability only.
3. If your Model is not found in the drop down box, and you select Other Model this forces a liability only quote. If you have a new model let us know, and we will add it to the system. 4. If your vehicle is older than 20 years, liability only coverage is all that is available. Q. What if I have a camper or a camper shell, do I list those as towed units?
A. Yes! Anything that is not the Power unit is considered a towed unit. Adding towed units will not increase the price of the policy unless you add a dollar value for physical damage coverage. Listing all towed units is MANDATORY. In the event of a claim it will expedite the claims process and allow your client to have a more pleasant claims experience. If towed units are not listed on the policy, the entire policy will be void
You do NOT need to list towed personal belongings such as kayaks, bike racks, bicycles, canoes. Q. What if the car is registered in my name, but someone else will be driving it (E.g.
Spouse, Friend, Child, etc.)?
A. As long as they are not a Mexican National this is not a problem. Anyone with a valid driver’s license (Mexican Driver’s License excluded) and permission of the owner can drive the car.
1. If the client insists that they be listed on the policy, put the registered owners name in the first name input field, “and” in the middle name input field, and the additional driver in the Last name input field. This applies for businesses, churches, and any other situation where there must be more than one person listed on the policy.
Q. What if I do not own the car, but I have permission from my friend to take it to Mexico? A. That is not a problem, but like lien holders, we recommend that your client get a notarized letter from the registered owner giving them permission to take their car into Mexico. This will keep them out of trouble at the border.
Q. What if the make or model is not available on the Website?
A. This could mean that it is excluded by the underwriting company, or it means that we may need to add it. Either way please give us a call so that we can take a look.
Q. What if I need to make a change to the policy?
A. If it is not a premium bearing change, you can change it by accessing reports, pulling up the policy and clicking edit. If it is a premium bearing change, you will need to cancel the policy and rewrite it.
Cancellation Procedures For Mexico Insurance
All cancellation requests MUST be made IN WRITING and MUST be received BEFORE the effective date.
To email a cancellation request, please visit mexicaninsuranceonline.com, click on Contact Us and choose “cancellation” from the drop down menu. Fill out and submit the cancellation request form. The form MUST contain the policy number, reason for cancellation, and daytime contact information.
To fax your cancellation, visit mexicaninsuranceonline.com and click on Producer Login. Enter your username and password and then click on Forms. You will find the cancellation request form under ‘General Forms.’ Print and complete the cancellation request form and fax it to 928-213-8476.
Please note that a $7.50 cancellation fee will be applied to all daily policy cancellations. A $15.00 fee will be applied to all six-month and annual policies.
All daily policies are fully earned on the effective date of coverage.
Six-month and annual policies are fully earned on the 15th day after the policy’s effective date. Cancellations made before this date will be prorated using the underwriters corresponding “per day” rate to calculate the earned premium.
Exceptions will be made to cancel a DUPLICATE policy. The request will still need to be IN WRITING; however, duplicates can be cancelled at any time and with no fee.
2010 IIG Producer Guide 26
About our Mexico Tourist Auto Underwriters
We work with only Mexico’s most respected underwriters to ensure competitiveness, longevity, and to create products that will ultimately provide the insurance your customers need.
Via our systems, producers have access to up to six Mexican underwriting companies. By offering a multiplicity of options, our producers can always rest assured that they are receiving the best options in the marketplace for their policyholders. IIG works closely with each of these underwriters to ensure that our producers and their policyholders have access to the best coverage at the lowest rates, and that claims are handled quickly and professionally. We consistently gather customer and producer feedback regarding claims service and coverage issues with each of our underwriters. IIG adjusts our offerings to ensure that our Producers only have access to the best products available in the marketplace.
The following is more information about each of these companies, their rating and position in the market, their products, basic underwriting philosophies, and example of company specific
information. If you have further questions about these companies or their products please contact our office.
Although the following pages include much detail about these companies, it is not
comprehensive. Please refer to the terms and conditions for more in depth coverage detail.
A. ABA Seguros Not Rated
Parent company is GMAC Insurance AM Best Rating A-
B. ACE Seguros, S.A. Not rated
Parent Company is ACE-INA Holdings, Inc. AM Best Rating A+
C. GE Seguros/HDI Seguros Not rated
Parent Company is GE Financial Assurance affiliation 1996 AM Best Rating A+
D. Grupo Nacional Provincial AM Best Rating A
GNP has been in business since 1901, and is the leading provider of Tourist Auto Insurance in Mexico.
F. Grupo Integra/MexVisit
Optional Roadside Assistance/Emergency Travel Assist Provider G. Qualitas Compania de Seguros
Fast growing Auto insurer in Mexico
Property Damage Coverage Limits as of 10/31/2009
Coverage Limits Effective ABA ACE QUALITAS GE GNP
Auto/PU/SUV 50,000 50,000 49,000 60,000 99,999
House Trailer 50,000 100,000 49,000 100,000 99,999
RV 125,000 100,000 49,000 300,000 300,000
Boat/towed 50,000 20,000 30,000 100,000 99,999
Motorcycles N/A 30,000 30,000 N/A N/A
Semi Trailers/Commercial N/A N/A N/A N/A 50,000
Max Combo Auto w/Trailer 100,000 100,000 49,000 160,000 99,999 Max Combo RV w/Trailer 100,000 100,000 49,000 400,000 300,000
2010 IIG Producer Guide 28
Program Comparison Chart Standard Coverage
ABA ACE Qualitas GE/HDI Seguros GNP
AM BEST Ranking Parent Company A Parent Company A Parent Company A Parent Company A A
Tourist Auto Ranking 9 6 2 4 1
US Parent Company GMAC Insurance ACE-INA Holdings Inc. N/A HDI-Gerling Int'l N/A
Collision (collision, turnover, glass
breakage) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not
to exceed Market Value (Subject to
deductible)
Up to the value appearing on the Declarations page not to
exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Theft (theft, Fire, Natural
Phenomena) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not
to exceed Market Value (Subject to
deductible)
Up to the value appearing on the Declarations page not to
exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Partial Theft/Vandalism NO NO No NO NO
Fixed Deductible Option Optional Optional Optional Optional Optional
Collision Deductible Waiver When third party
at fault
NO N0 No NO N0
Coverage for Third Party LiabilityUp to 300,000 CSL Up to 300,000 CSL Up to 300,000 CSL Up to 300,000 CSL Up to 300,000 CSL
Medical Payments 10,000/50,000 2,000/10,000 25,000 CSL 2,000/10,000 5,000/25,000
Medical Payments when damaged by an Uninsured Motorist
10,000/50,000 2,000/10,000 N/A 2,000/10,000 5,000/25,000
Physical Damage to car when damaged by an Uninsured Motorist Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not
to exceed Market Value (Subject to
deductible)
Up to the value appearing on the Declarations page not to
exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible)
Legal Assist/Bail Bond Will cover up to
Liability limit 20,000
Will cover up to Liability
limit 20,000 20,000
Roadside Assistance YES ACE Platinum Assist YES YES YES
Option to Increase the coverage for Cost of
repair
Program Comparison Chart Endorsed Coverage
ABA Plus ACE Platinum HDI/GE Premier GNP Deluxe Qualitas VIP
AM BEST Ranking Parent Company B+ Parent Company A Parent Company A A Not Rated (yet)
Tourist Auto Ranking 9 6 4 1 2
US Parent Company GMAC Insurance ACE-INA Holdings Inc. HDI-Gerling Int'l N/A N/A
Collision (collision, turnover, glass
breakage)
Up to the value appearing on the Declarations page not to exceed Market
Value (Subject to deductible)
Up to the value appearing on the Declarations page not to
exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to fixed deductible) Theft (theft, Fire, Natural
Phenomena)
Up to the value appearing on the Declarations page not to exceed Market
Value (Subject to deductible)
Up to the value appearing on the Declarations page not to
exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible) Up to the value appearing on the Declarations page not to exceed Market Value (Subject to deductible)
Partial Theft/Vandalism YES YES YES YES YES
Fixed Deductible Option Standard Standard Standard Standard YES
Collision Deductible Waiver When third party
at fault
YES NO NO YES NO
Coverage for Third Party Liability$170,000 Standard 100,000/300,000/100,000 Up to 300,000 CSL $150,000 Standard Up to 300,000 CSL Medical Payments 15,000/75,000 5,000/25,000 5,000/25,000 25,000 CSL 25,000 Medical Payments when
damaged by an Uninsured Motorist
15,000/75,000 15,000/40,000 5,000/25,000 25,000 CSL 25,000
Other International Products
Northbound - RC para Estados Unidos
In addition to our industry leading Southbound product, we offer a Northbound Product (RC para USA) currently in Texas and Mexico. This product is liability for Mexican plated autos that are temporarily entering the USA. The typical client is the weekend tourist; however we also offer special policies for the “temporary resident” in the worker or student.
This product is underwritten by Commercial Alliance Insurance Company (aka CAIC) and they are an A rated Texas company. During 2010, we will be able to offer the CAIC NB product in AZ and possibly CA.
To sell Northbound you can call Erin Beaty at 888-467-4639 x 124.
For more information you can visit our Spanish NB website at www.segurosautousa.com
Worldwide Travel Medical
In addition to IIG line of Mexico Specific product, IIG also offers International travel medical coverage both in and out of Mexico. This travel medical product made available through International Medical Group and offers several different types of policies, below are some of the principal types of policies that they have. For more information about registering to sell these products, please contact IIG at 888-467-4639.
Short-Term Programs
Patriot Travel Medical Insurance®:
Medical insurance for international travelers. Covers the medical insurance needs of US citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.
Patriot Executive®:
Health insurance for the traveling executive. If you travel frequently outside your home country throughout the year, don't risk finding yourself ill or injured in a foreign country. Make sure you have a plan to secure medical care and cover the associated costs. Patriot Extreme®:
ITIS Web Development More Information:
The Internet is the primary source of information for insurance shoppers (click here to learn more). In Today's
environment, it is more important than ever that your insurance agency, wholesale operation, or underwriting company offer your customers a website where they can quickly and easily get educated, request a service or a quote from you, and perform other insurance transactions online.
ITIS Web Development is owned and managed by insurance industry veterans. Whether you are a small or large agency, have specialty niches, or are an MGA or Carrier in need of transactional websites, ITIS offers the technology and customer service you want and need!
From hosting, to web design, Search Engine Optimization and Marketing (SEO/SEM), ongoing site management and rankings reports - we are here to serve you and ensure that your website creates income for your insurance agency. We are here to put your website at the top of the search engine queue!
www.ItIsWebDevelopment.com
Our Services:
ITIS Website Design & Development Services
At ITIS Web Development we have our longstanding success as leaders in the online specialty insurance industry to show you where we can take you and your business. Our team of IT professionals has pushed our clients to the top of the search engine queues for their keywords. And, they have helped our insurance agency clients to dramatically increase sales while reducing CSR payrolls and other marketing expenses using their websites. See what we can do for you!
The professional website design experts at ITIS will create your web pages using content you provide so that we maintain the culture of your organization, while at the same time, optimizing your pages for search engine recognition. Your site will be designed using organic Search Engine Optimization (SEO) techniques that will mesh with future additions/changes.
Search Engine Optimization (SEO)
Organic Search Engine Optimization (SEO) is the single most important component that will turn your website into a revenue generating salesperson! You tell us the type of customer you want to visit your insurance agency website, and we will deliver them to you. For example, if you have a good market for Auto Dealers in Arizona, or Motorcycles in Los Angeles, you let us know and ITIS will fill up your prospect database with these leads!
Organic search engine optimization is intended to improve the volume and quality of the visitors that reach a website through organic (also called natural) search results, or improve a website’s organic rankings on a search engine. The higher a website ranks on a search engine, the more likely the person searching will visit that site. In other words, if your business relies on having potential clients find you on the World Wide Web, the best way they will find your business is through Search Engine Optimization. We DO NOT USE black-hat SEO tactics. Our search engine optimization experts employ the highest caliber SEO methods through our programs.
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Let us give you a quote on custom programming that will increase your sales and allow your customers and your website to replace much of the work traditionally done by your payroll employees. Imagine increasing your sales, and decreasing payroll simultaneously....we have the solutions.
Website Maintenance
In addition to purchasing our web hosting product you can have the ITIS Web Developers manage your website. Our insurance web site maintenance services generally include content changes to your agency website, that are not a part of the template. Click on these links if you are interested in having us work on graphic/image design or Search Engine Optimization (SEO) for your agency.
Insurance Agency Website Hosting
Website hosting allows an insurance agency website to be accessible via the World Wide Web. The ITIS Web Developers provide web hosting with a 99.9% uptime guarantee and 24/7 server monitoring, which is above the national standards for web hosting.
Features of our web hosting service include: 750 GB of storage, email accounts, online control panel, online user statistics, spam protection, 99.9% guaranteed uptime, 24/7 server monitoring and weekly backups. Our hosting service supports the following technologies: PHP 5.0, PHP 5.1, PHP 5.2; Perl and Python, Zend Optimizer, Safe Mod off, GD library, ImageMagick, CURL, Zlib, Mod_rewrite, .htaccess, Smarty Templates, php.ini, XML, HTML, XHTML, VRML, WAP, Macromedia Shockwave and Flash, Quicktime Compatible, MPEG, MP3, PDF, FLV.
Domain Names / Domain Transfers
ITIS Web Developers provide one free website domain name, for example, www.itiswebdevelopment.com. Or, we can give you one free domain name transfer, per service package purchased by you or your insurance agency. If you wish to
purchase a particular domain name, you can request it through us. Or, if you already own a domain name and wish to host it with ITIS we will transfer it to our system for free with the purchase of a website hosting account.
ITIS Professional Website Logo / Graphic Design
While some modifications to your current insurance agency logo are to be expected with the design of your new website, new logo design is catalogued under branding. A brand is a symbol, collection of symbols, images or designs that represent a person, entity or product. A logo or brand determines what people will associate with your insurance product or business. Therefore, logo design and branding are premium ITIS professional website design products.
ITISWebDevelopment.com can create a new logo and add custom graphics to your insurance agency website. Pricing varies depending on your design needs/specifications. To obtain pricing information, please call us at (866) 991-ITIS or
email us by clicking here.
Google Adwords
Google's advertising platform offers both cost-per-click and cost-per-impression pricing for advertisements served on Google.com and partner sites. The ITIS Website experts have used Google cost-per-click to promote our insurance customer’s web sites for many years. We are well versed in this program. We will set up your Google Adwords Campaign and train you in how to make it work best for you.
