A cancellation or non-renewal notice for the property dated within 6 months of application to us. A copy of a current page from an insurer's agent manual indicating the reason this property is unacceptable for coverage. The reason must be circled. For example, the manual page may list minimum limit, loss history, or physical condition requirements that make the property unacceptable for coverage from that insurer. The producer may request a binder on the application.
Producers have no authority to bind coverage.
The earliest possible date we will start coverage is the day after we receive the complete submission in our office. The producer may request a later effective date - not an earlier date. All copies of the binder are mailed to the producer for review and distribution. The binder request may be rejected. If rejected, we will notify the customer and producer by mail.