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S&S QRG (Commercial Motors ('Rather easy' (Who can we insure?,…
S&S QRG
Commercial Motors
Diff 'Goods carrying vhcl / personal vhcl'
How to identify the vehcl
Vhcl categories
Region consistency
Do they need a biz pack with us to add a Com Motor cover?
How do you inted to use the vhcl
'Rather easy'
Who can we insure?
Exclusions?
Key Benefits
Differentiate it from Personal Lines
eg. Customer can take out Third Party without a comprehensive cover
Identify quickly what offering depending on market and customer need
Do you have/ want PI?
Own Premises
Commercial Property
one or 2 policies
Business Pack
Business Interruption
#
Only covers in case of unforeseen events
ref the dry-cleaner case study
Only covers what's under Biz Property
Only elements under Section 1 are covered
Exclusions
Claim examples
articulate possible scenarios relating to customer
Getting to the customers' possible 'exposure'
Business Property - Section 1 (contents)
Start with business contents
Exclusions
Glass
Theft
Mach Equip breakdown
Values/ sum ensured
Business Interruption
General Property
has to be specified
Specified/ unspecified content
Gl content
Fixtures/fittings
Breakdown the cost
Rework Portal QRGs in Section order
ref. 'Section names doc' JG
Validate if page 1 of Portal QRG is relevant
Ref. Existing QRGs for Online Biz pack
List Key Benefits
Need strict and straightforward UW guidelines
Have a Biz QRG and a Liability QRG