This is not an individually underwritten product. It either meets the underwriting guidelines or it doesn't. There are no exceptions. Recent changes to the underwriting are very favorable to the policyholder and make this umbrella policy a very desirable product. There is a 24-hour policy issuance.
Renewals are direct-billed by the company.
There are five rating territories. The insured's primary residence zip code determines the rating territory. An insured is rated either Preferred, Standard, or Standard II depending on the number of exposures, i.e. homes, autos, etc. Questions 1-9 on the application determine the rating tier. There are no additional rates or surcharges.