FOREMOST INSURANCE GROUP

PRESENTS

WHAT’S HOT FOR

ATLAS INSURANCE BROKERS LLC

Terry L. Quinn, CIC

Foremost Insurance Company

Founded June 12, 1952

• Specializing in

Manufactured Housing Insurance

• Home Office: Grand Rapids, Michigan

• Part of the Zurich Group - 2000

Products (Niches)

Manufactured Housing

Travel Trailers

Motor Homes

Specialty Dwellings

Motorcycles

Off-Road Vehicles

Family Boater’s

Personal Watercraft

Non Standard Auto

COMMISSIONS

ALL SPECIALTY PRODUCTS!!

15% New & 12.5% Renewal

AUTO

12% New & 10% Renewal

Profit Sharing!!

How to do Business

ForemostStar.com

1-800-528-5995

Service Point

1-800-527-3905

Online Business Management = Policy Download

Agency Sweep = Bridge Quoting

June 28, 2012 FOREMOST INSURANCE 7

MINNESOTA Total Units In State

92,012

WISCONSIN

1

Manufactured Housing

• Primary Residence

• Secondary Residence

• Park Model

• Rental

• Tenant

U/W RULES--REPLACEMENT

COST

2. MINIMUM

REPLACEMENT VALUE =

$25,000

SINGLE SECTION 18 FEET

OR LESS

U/W RULES--REPLACEMENT

COST

2. MINIMUM REPLACEMENT

VALUE = $40,000

MULTI SECTION GREATER THAN

18 FEET

Manufactured Housing

• Better coverage than your

Homeowners Form 3 Policy

• No Age Limit

• Replacement Cost coverage on

homes >25K single >40K multi

• Agreed Loss coverage

on other homes

Manufactured Housing

• Open Peril on Personal Property

• Golf Carts covered

• Animal Damage covered

• Computers covered

• Satellite Dished Covered

13

ANIMAL STORIES DAMAGE BY ANIMALS NOT EXCLUDED

CLAIMS PAID

– INSURED STATES THAT

SHE HEARD LARGE

ANIMALS UNDER HER

HOME & ANIMALS IN

HER WALLS. WEEK

LATER HOME WAS

CONSUMED BY ODOR

OF DEAD ANIMALS

($3649)

June 28, 2012 FOREMOST INSURANCE 14

SKUNK TOTALS HOME

CLAIMS PAID

SKUNK INVADES HOME

SPRAYS

PROFESSIONALLY

DEODORIZED

ODOR REMAINS

WE BOUGHT INSURED A

NEW HOME!

OPPORTUNITY!!

Standard

Carrier

Specialty Dwelling

• Dwelling Fire One

• Dwelling Fire Three

• Classic ACV

• Classic CL

Dwelling Fire One

• Rental and Vacation Rentals

• Owner Occupied

• Seasonal

• Vacant (up to one million in value) – One year Policy - Pro-rated

• Rental Schedules up to 36 properties

Dwelling Fire One

• Eight Named Perils

• Vandalism and Theft Optional

• Agreed Value Settlement

• Unpackaged Policy

• Structurally Sound

Dwellings

Dwelling Fire One

Dwelling Fire Three

• Open Peril Coverage

• Unpackaged Policy

• Agreed Value coverage with the option

for Replacement Cost

• Repair Cost Endorsement

Great Endorsement

• Repair Cost Endorsement

No Depreciation subtracted from partial

loss

• Designed for older homes or any home

without Replacement Cost Coverage

• Dwelling Fire 3 Only

• $75.00

Classic ACV Value

• Homes that do not qualify for

Replacement Cost policies

• Insure for ACV

• HO-3 Package with ACV

Settlement

• $1,000 Theft Limit

Classic CL

• Loss Problems- Up to 5 Losses

• Market Value to Replacement Cost

greater than 70%(up to one million

value)

Classic CL

Gottleib Daimler

1885

"Reitwagen" ("riding car")

BONE CRUSHER

Motorcycle

• Five Motorcycle Programs

• Liability Only

• Street Bike Program

• Classic Bike Program

• Custom Bike Program

• Non-standard Program

Street Bike Program

• Liability

• Collision

• Other than Collision

• $3,500 Optional Equipment

• $1,500 Helmet and Safety

Apparel

• Total Loss Replacement Cost

on New Bikes for 2 Years!

Off-Road Vehicles

• Two-wheel, off-road motorcycles

• Three-, four- and six wheel all-terrain

vehicles (ATV)

• Golf carts

• Dune buggies

• Snowmobiles

OFF-ROAD VEHICLES Specialized Coverage's

• Optional Equipment - $500

• Helmet and Safety Apparel - $1500

• Transport Trailer Coverage

THE FOUR SLEDSMEN!

Marine Products

TEMPORARY INSANITY II

• Watercraft up to 40 feet in length

• Agreed Loss Coverage for the first

15 years

• Total Loss Replacement cost option

adds 20% coverage(current year)

• Waterskiing Liability

Covered

Family Boater’s

Family Boater’s

• Pollution Liability

• Removal of Wreck

• Recover and Protect

• Boat Trailer optional

• Personal Property optional

• Towing optional

Jet Ski

Picture of a real Jet Ski

PWC History

• Developed in the

late 60’s by

inventor Clayton

Jacobsen II for

Bombardier

Personal Watercraft

Actual Cash Value Policy

Coverage Options Page 11

• Bodily Injury Liability and Property

Damage up to $250/$500/$250

• Deductible Options

– $250 Base with $500 Theft

– $500 and $1,000 available

• Liability Only available

FOREMOST AUTO

• NON STANDARD AUTO MARKET

• WIDE VARIETY OF DISCOUNTS

• COMPETATIVE ON SINGLE DUI

BUSINESS

• COMMISSIONS- 12 NEW 10 RENEWAL

FOREMOST AUTO

• Contact Info/Websites

• Policy Services: 1-888-888-0080

• Policy Services Fax: 1-888-888-0070

• Producer-dedicated Web site:

www.iaproducers.com or

www.foremostproducers.com

FOREMOST PRODUCT

WEBINARS • SPECIALTY PRODUCTS

• SPECIALTY DWELLING

• FOREMOST AUTO

• MUST REGISTER!

Foremost Insurance Group

THANK YOU!!