A&M Excess & Umbrella Program  

The A&M Personal Excess Program (PEP) is a stand-alone policy written in the standard market.  It does not require that the underlying policies be underwritten by A&M.  This personal umbrella may be written over automobile, personal liability, watercraft, recreational vehicles, and underlying umbrellas at a very reasonable price.  Also the A&M PEP can be written to cover apartment buildings, vacant land, and farm land.

Features:

• $1 million and $2 million limits available - usually without special underwriting
• $3 million, $4 million, $5 million, and $10 million limits are available with company approval and underwriting
• $20 million limits are available under special circumstances with special rating

Flexible Rating Structure Allows for Difficult Exposures

• Multiple youthful drivers
• Less-than-perfect driving records
• Multiple residences
• Watercraft up to 300 hp
• Vacant land
• Family farms
• Apartment houses and rental units
• Recreational vehicles
• Motorcyles, personal watercraft and snowmobiles

REQUIREMENTS FOR QUOTING & BINDING

• Log on to  www.bigimarkets.com.  Not yet registered for Big “I” Markets? Click here and register online.  It is easy to do and there are no fees or minimum volume commitments!
• From the personal lines menu select Personal Umbrella Alternative Market
• Click on 'Request a Quote' and enter the requested information.
• Download, complete, and save the appropriate Supplemental Application. [You MUST finish and submit the online portion as well] The application may be downloaded ahead of time from Product Resources located in the blue, left-hand column.
• The application MUST be completed in its entirety and signed by the applicant.
• Attach the separate application using the 'New Message' feature. If you are unable to attach one or both of the applications you may fax them to 703-995-4406 and we will attach them for you.
• Include the gross premium which may be sent as either:
  • Insured's check made payable to National Casualty or A&M
  • Insured's check endorsed to National Casualty or A&M
  • Your gross or net agency check with application
  • Applications cannot be processed if the premium calculation is incorrect or is less than the net premium.
• To request to bind coverage, access the record in the Activity Box, click 'Request Binder' and complete the requested information.
• The underwriter will respond with the terms of binder confirmation or the need for additional information.
• Ask or answer any additional questions and communicate with the underwriter by sending it via 'New Message'.

If accepted the Effective date will be the day of receipt by A&M as posted on Big "I" Markets with completed application and a check (or later date if requested).

Questions?  Contact Brenda Kaiser - brenda.kaiser@biginebraska.org 1-800-377-3985