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UNDERWRITING GUIDELINES

AIG


TARGETED OPERATIONS

  • Contractors
  • Retail Operations
  • Wholesale Operations
  • Restaurants
  • Manufacturers
  • Physicians
  • Building Operations
  • Auto Repair Operations
  • Schools
  • Clothing Manufacturers

UNDERWRITING CRITERIA

  • Start-up operations must have two years of background and experience
  • All job classes and phraseologies must be eligible
  • No laboratories
  • No placement services or temporary agencies
  • Non-profits, subject to underwriting
  • No franchises
  • 24-hour operations considered on a case-by-case basis
  • States available: all states EXCEPT ME, MA and monopolistic states
  • Multi-state operations are eligible as long as states are eligible

MOST COMMON REASONS FOR REJECTION

  • At least one class code is not eligible
  • Class or premium shown on application is inconsistent with rating data sheet
  • Unfavorable loss experience
  • Transportation risks and Trucking risks are ineligible
  • Answers to the general information questions are not acceptable
  • Applicants currently coming out of a PEO
Products and services are offered through Agency Resources, a division of Safehold Special Risk, Inc., dba Safehold Special Risk & Insurance Services, Inc. in California. Safehold is a division of Wells Fargo Insurance and a non-bank insurance agency affiliate of Wells Fargo & Company. Coverage is provided by unaffiliated insurance companies.
Yes

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