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Prizm User GuidePrizm is an online rating engine that allows you to obtain General
Liability, Property, Package, Homeowners, & Dwelling fire quotes withDeCotis binding authority markets. It also acts as a comparative rater for
risks that have multiple binding authority markets.
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Table of Contents
1. Getting Started2. General Liability Target Business3. General Liability Quoting4. Property Target Business5. Property Quoting6. Homeowners Target Business7. Dwelling Target Business8. Homeowners & Dwelling Quoting
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Getting Started:Go to: http://www.decotisprizm.com/
You’ll need to log in using your user name and password. Each individual in the agency will need theirown credentials. To request a username and password, please send an email to: [email protected]
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Select the Line of Business you wish to obtaina quote on
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General Liability
Target BusinessGeneral Contractors, Artisans, Vacant Land, Day Cares, Warehouses
Please refer any risk with the following characteristics directly to a DeCotis Underwriter:1. Any risk with a lapse in coverage in the past 3 years2. Applicants with past indictment or conviction of a crime of Fraud, Arson or arson related claim,
during the past 5 years3. Student, subsidized or assisted living4. Applicants with past failure to correct any fire or safety code violations or known maintenance
deficiencies.5. Risks with losses in the past 5 years6. New ventures
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GeneralLiabilityQuotingFrom here, the screens are pretty straightforward as you navigate your way throughthe quote steps.
Helpful Hint: When entering in a streetaddress (Mailing, physical, or location) do notuse punctuation or spell out street (Example:St.; Ave.; Street;). Acceptable Input would beSt; Rd; Ave; etc.
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Add a Location
• Under location, you must add alocation by either clicking the boxto indicate the location to beinsured is the same as thephysical address initially addedunder insured information or byentering a different location tobe insured.
• After completing thisinformation, click the “AddLocation” button.
• When all locations have beenadded, click next to continue tothe next page.
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Add a Classification
• The class code field is a suggestivefield. Begin to type the descriptionof the class and click search. A listof suggestions will populate below.
• Click to highlight the correct classcode and then click on the addclassification button.
• If additional class codes need to beadded, return to the classificationdescription and search again.Select the additional class codeand click on “Add Classification”. Alist of class codes will begin to formbelow.
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Exposures
• Enter the exposure for each classand click next when allappropriate classes have beenadded. If a class code is enteredin error, simply click the red “X”.
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Qualifying Questions
• Answer all the general and class specificqualifying questions.
• If an answer is unacceptable, you will getan alert advising that the risk will need tobe referred to an underwriter. Pleaseproceed through the indication process inorder to refer the risk to the underwriter.
• Keep in mind, if the risk requires anunderwriting referral, any indicationreceived may not be bindable.
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Limits and Coverage
• Select your desired coverages
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Comparative Rater• A comparison of premium indications will
be provided based on the informationyou’ve provided.
• An error message may display below thecarrier to indicate they weren’t able torate based on information provided. Youcould go back and correct the info. In thiscase, you would need to check the“Products Included” checkbox on thecoverage page.
• To view forms, click on the Forms &Endorsement Spyglass.
• Once you have decided which carrier isbest suited for the risk, click on the green“GO” arrow.
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Indication
• The next page will include yourpremium indication.
• Attached to the indication is apremium finance agreement
• An insureds copy of the quote canbe obtained by click on “InsuredCopy”. This copy of the quotesuppresses the agenciescommission.
• You can print, email, or save a copyof the indication by clicking on“File” and selecting theappropriate command.
• Click “Next” to continue.
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Prior History
• Provide the prior carrierinformation and prior lossinformation.
• Keep in mind, the indication issubject to change or berescinded upon underwritingreview on new ventures or riskswith losses in the past 5 years oron any risk requiring a referral tounderwriting.
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Additional Interests
• Add any applicable additionalinterest information
• Premiums may requireunderwriting adjustments basedon the number and types ofadditional insured. Please contactyour underwriter for specificadditional insured premiums.
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Risk Summary
• A final quote summary is provided priorto submitting your bind request orreferral.
• You may Print Quote Summary page foryour file or proceed to the next page.
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Acknowledgement
• Prior to submitting your bind or referralrequest, you must acknowledge the termsand condition of the online rater by typing inyour agent name exactly as it appears.
• Please indicate your TRIA Selection andprovide the insured’s inspection contactinformation
• The rater will require that you click on theSave Application PDF and Print a copy of theprefilled application before you can proceedto bind.
• Please complete any missing fields and havethe insured sign the application, affidavit,and TRIA selection forms and forward themvia email to: [email protected]
• Once all has been completed, click on“Request to Bind”
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• You will receive a confirmation that the risk was submitted to an underwriter and a submissionnumber. You can email a copy of this confirmation to yourself or to a team member.
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• Click on next to continue to paymentinformation.
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Payment Options
• The quote can be billed agency bill,financed with a 25% down payment, orpayed in full via credit card or e-check.
• To receive an agency bill invoice, click on“Pay Later”
• To make an online credit card or e-checkpayment in full or a down payment on afinance agreement, click on “Pay Now”.This will take you to our online paymentgateway.
• If financing, please email the signedfinance agreement with the application,affidavit, and TRIA forms.
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PropertyTarget Business:Lessors Risk Only, Habitational, Condo Associations, Day Cares, Warehouses
Please refer any risk with the following characteristics directly to aDeCotis Underwriter:1. Any risk with knob and tube or aluminum wiring2. Risks with Federal Pacific Stablok Breakers3. Student, subsidized or assisted living4. Total insured value (TIV) over $1,000,000
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Property Quoting
Again, the screens are pretty straight forwardas you navigate your way through the quotesteps.
Helpful Hint: When entering in a streetaddress (Mailing, physical, or location) do notuse punctuation or spell out street (Example:St.; Ave.; Street;). Acceptable Input would beSt; Rd; Ave; etc.
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Add Location
• Under location, you must add alocation by either clicking the boxto indicate the location to beinsured is the same as thephysical address initially addedunder insured information or byentering a different location tobe insured.
• After completing thisinformation, click the “AddLocation” button.
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Property Location Information
• Select your location, enter a briefdescription, and enter in the first 4characters of either the class name orcode and click on the spy glass to search.
• Highlight the appropriate class andcomplete the risk information questions(protection class, year built, updates,coverage, deductible, protections, limits).
• When complete, click “Add Property” atthe bottom of the page and “Next” tocontinue.
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Qualifying Questions
• Answer all the general and class specificqualifying questions.
• If an answer is unacceptable, you will getan alert advising that the risk will need tobe referred to an underwriter. Pleaseproceed through the indication process inorder to refer the risk to the underwriter.
• Keep in mind, if the risk requires anunderwriting referral, any indicationreceived may not be bindable.
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Comparative Rater
• A comparison of premiumindications will be providedbased on the information you’veprovided.
• To view forms, click on the Forms& Endorsement Spyglass.
• Once you have decided whichcarrier is best suited for the risk,click on the green “GO” arrow.
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Indication
• The next page will include yourpremium indication.
• Attached to the indication is apremium finance agreement
• An insureds copy of the quote canbe obtained by click on “InsuredCopy”. This copy of the quotesuppresses the agenciescommission.
• You can print, email, or save a copyof the indication by clicking on“File” and selecting theappropriate command.
• Click “Next” to continue.
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Prior History
• Provide the prior carrierinformation and prior lossinformation.
• Keep in mind, the indication issubject to change or berescinded upon underwritingreview on new ventures or riskswith losses in the past 5 years oron any risk requiring a referral tounderwriting.
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Additional Interests
• Select the number of additional interestsapplicable.
• Proceed to add the Type, Name andaddress for the first additional insured.
• Click “Add Additional Interest”
• If there are more than 1 additionalinterest, go back and add the Type,Name, and Address for the 2nd. Whencomplete, click “Add Additional Interest”.
• Continue through this process until alladditional interests are entered. Thenclick “Next”
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Risk Summary
• A final risk summary is provided prior tosubmitting your bind request or referral.
• You may Print Quote Summary page foryour file or proceed to the next page.
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Acknowledgement
• Prior to submitting your bind or referralrequest, you must acknowledge the termsand condition of the online rater by typing inyour agent name exactly as it appears.
• Please indicate your TRIA Selection andprovide the insured’s inspection contactinformation
• The rater will require that you click on theSave Application PDF and Print a copy of theprefilled application before you can proceedto bind.
• Please complete any missing fields and havethe insured sign the application, affidavit,and TRIA selection forms and forward themvia email to: [email protected]
• Once all has been completed, click on“Request to Bind”
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• You will receive a confirmation that the risk was submitted to an underwriter and a submissionnumber. You can email a copy of this confirmation to yourself or to a team member.
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• Click on next to continue to paymentinformation.
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Payment Options
• The quote can be billed agency bill,financed with a 25% down payment, orpayed in full via credit card or e-check.
• To receive an agency bill invoice, click on“Pay Later”
• To make an online credit card or e-checkpayment in full or a down payment on afinance agreement, click on “Pay Now”.This will take you to our online paymentgateway.
• If financing, please email the signedfinance agreement with the application,affidavit, and TRIA forms.
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HomeownersTarget Business:1-4 Family Owner OccupiedPrimary, Secondary, or SeasonalHomes (Coastal or Non-Coastal)
Please refer any risk with the following characteristics directly to a DeCotis Underwriter:
• Exotic Pets.• Any lapse in coverage > 30 days.• Risk currently insured by Underwriters at Lloyds.• Property in poor physical condition.• Open Claims.• More than 2 losses in the last 5 years with no 1 loss exceeding
$15,000 in Value• Farming or other business conducted on the premises.• Applicant with the following dog breed or mix of dog breeds: Akita,
Alaskan Malamute, Bull Mastiff, Chow, Doberman Pinscher, GermanShepherd, Great Dane, Husky, Pit Bull Terrier, Rhodesian Ridgeback,Rottweiler, Saint Bernard, Staffordshire Terrier, Wolf-Dog Hybrids.
• Applicant with any dog with a bite history.• Homes with Knob & Tube wiring, Trampolines, or portable space
heaters being used.• Vacant homes.• Student housing/Subsidized Housing/Boarding/Rooming.• Applicant with past conviction of any degree of crime/arson in the
last 10 years.• Homes under construction or major renovations.• Homes lacking updates to plumbing, heating, electrical and roof in
the past 30 years.
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DwellingTarget Business:1-4 Family Tenant Occupied Homes (Coastal or Non-Coastal)
• Please refer any risk with the following characteristicsdirectly to a DeCotis Underwriter:
• Exotic Pets.• Lapse in coverage > 30 days.• Currently insured by Underwriters at Lloyds.• Property in poor physical condition.• Open Claims.• More than 2 losses in the last 5 years with no 1 loss
exceeding $15,000 in Value.• Risk with the following dog breed or mix of dog breeds on
premises: Akita, Alaskan Malamute, Bull Mastiff, Chow,Doberman Pinscher, German Shepherd, Great Dane, Husky,Pit Bull Terrier, Rhodesian Ridgeback, Rottweiler, SaintBernard, Staffordshire Terrier, Wolf-Dog Hybrids.
• Risk with any dog with a bite history.• Homes with Knob & Tube wiring, Trampolines, or portable
space heaters being used.• Vacant homes. (Eligible for Prizm Commercial
Property/Package)
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Homeowners &Dwelling Quoting
From here, the screens are pretty straightforward as you navigate your way throughthe quote steps.
Helpful Hint: When entering in a streetaddress (Mailing, physical, or location) do notuse punctuation or spell out street (Example:St.; Ave.; Street;). Acceptable Input would beSt; Rd; Ave; etc.
12.19.17
Add Location
• Under location, you must add a locationby either clicking the box to indicate thelocation to be insured is the same as thephysical address initially added underinsured information or by entering adifferent location to be insured.
• After completing this information, clickthe “Add Location” button.
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Qualifying Questions
You must agree that all the statements onthis page applies to the risk you are quotingin order to continue.
If you do not agree, you will be directed tocontact a DeCotis Underwriter to discuss therisk.
Please note, DeCotis likely has a market forrisks with these types of exposures however,they are not eligible for online quoting.Please complete a submission and email it toyour DeCotis Underwriter for review.
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Risk Details
Enter in the risk details and underwritinginformation to continue through the quote toproceed to a risk summary page.
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Risk Summary Page
This page summarizes the information you’veentered to obtain a quote. If any additionalpremium endorsements were requested,they will show in the forms list. These formsare a hyperlink to the actual form itself in theevent you want to review the coverageprovided by the endorsements beingpurchased.
You can print your summary and proceed tothe next page.
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Indication
• The next page will include your premiumindication.
• Attached to the indication is a premiumfinance agreement
• An insureds copy of the quote can beobtained by click on “Insured Copy”. Thiscopy of the quote suppresses theagencies commission.
• You can print, email, or save a copy of theindication by clicking on “File” andselecting the appropriate command.
• Click “Next” to continue.
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Additional Risk Details
• Fill in the remaining requiredunderwriting information and proceed tothe next page.
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Additional Interests
• Select the number of additional interestsapplicable.
• Proceed to add the Type, Name andaddress for the first additional insured.
• Click “Add Additional Interest”
• If there are more than 1 additionalinterest, go back and add the Type,Name, and Address for the 2nd. Whencomplete, click “Add Additional Interest”.
• Continue through this process until alladditional interests are entered. Thenclick “Next”
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General Info Questions
• Complete the application process byanswering all the general informationquestions.
• All answers will default to “NO”, butplease be sure you have reviewed all and“NO” is the appropriate answer for thespecific risk you are quoting
• If you answer “Yes” to any of thequestions, please provide a comment inthe Comments box .
• On this page, you will also need toprovide any prior policy and loss history.
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Acknowledgement
• Prior to submitting your bind or referralrequest, you must acknowledge the termsand condition of the online rater by typing inyour agent name exactly as it appears.
• Please provide the insured’s inspectioncontact information
• The rater will require that you click on theSave Application PDF and Print a copy of theprefilled application before you can proceedto bind.
• Please complete any missing fields and havethe insured sign the application andaffidavit, and forward them via email to:[email protected]
• Once all has been completed, click on“Request to Bind”
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• You will receive a confirmation that the risk was submitted to an underwriter and a submissionnumber. You can email a copy of this confirmation to yourself or to a team member.
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• Click on next to continue to paymentinformation.
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Payment Options
• The quote can be billed agency bill,financed with a 25% down payment, orpayed in full via credit card or e-check.
• To receive an agency bill invoice, click on“Pay Later”
• To make an online credit card or e-checkpayment in full or a down payment on afinance agreement, click on “Pay Now”.This will take you to our online paymentgateway.
• If financing, please email the signedfinance agreement with the application,affidavit, and TRIA forms.
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