Professional Liability – Insurance School of Tampa Bay – 813.592.1134

Having a professional liability checklist will help streamline the interview process and ensure that you gather all the necessary information to assess your clients’ needs effectively. Here’s a potential checklist you can use as a starting point for your opening interview:

Personal Lines Interview -

Our interview process is designed to ensure we gather all the necessary information to assess our clients' needs effectively.

About Your Client

Interview Date

Interview Time

Client Name(Required)

First Last

Your Address

Street Address Address Line 2 City ZIP Code

How Can We Reach You?

What is your preferred way we can contact you?

Preferred Method of Contact

Your Email Address(Required)

Email Address Confirm Email Address

Your Phone(Required)

Best Time to Call You(Required)

List Name and Age of Members of the Household

List

Auto Interview

Pleaes bare with us as we talk about your autos

List: Auto Make, Model, VIN(Required)

List: Auto Make, Model, VIN (If you have information, pre-type it)"

Are All OWNED autos Covered under this policy?(Required)

"IMPORTANT!!! If AUTOS are owned by different unmarried individuals, contact your carrier to see if they allow shared ownership."

LIMITS OF LIABILITY(Required)

DID YOU REMIND THE CLIENT WE RECOMMEND 100/300/100? //// Having high liability limits for owned automobiles is crucial for several reasons: Financial Protection : High liability limits provide greater financial security in the event of an accident. If you are at fault and cause significant damage or injuries, higher limits can cover medical expenses, property damage, and legal fees that exceed lower coverage amounts. Legal Requirements : Many states have minimum liability insurance requirements, but these may not be sufficient to cover serious accidents. High liability limits ensure compliance while also providing extra protection against potential lawsuits. Asset Protection : If you have substantial assets (such as a home, savings, or investments), high liability limits protect these assets from being used to pay for claims. In the event of a serious accident, a court could garnish wages or place liens on property if your insurance isn’t enough to cover the damages. Peace of Mind : Knowing you have adequate coverage can alleviate stress and worry while driving. It allows you to feel more secure in your daily activities, knowing that you are protected against potential financial consequences. Increased Costs of Medical Care : As healthcare costs continue to rise, so do the potential damages that can result from accidents. High liability limits can help ensure that your insurance covers hospital bills, rehabilitation costs, and long-term care, should it be required. Prevention of Underinsurance : Many people underestimate the costs associated with accidents, leading to underinsurance. Having higher limits helps mitigate this

What limits did the client select(Required)

If the Client Selected PIP and PD did you have them sign a Disclosure

If the Client Selected PIP and PD only did you have them sign a Disclosure

DO YOU HAVE A LIABILITY UMBRELLA?(Required)

Having a liability umbrella policy can offer significant benefits, providing a layer of additional protection beyond standard insurance policies. Here are some reasons to consider getting a liability umbrella: Extra Coverage : Umbrella policies provide additional liability coverage, typically starting at one million dollars, which can protect you against large claims that exceed the limits of your standard homeowners, auto, or rental insurance. Protection Against Lawsuits : If you are sued for damages (e.g., personal injury or property damage), an umbrella policy can protect your assets by covering legal fees, court costs, and settlements or judgments that may be awarded against you. Wide Range of Incidents Covered : Umbrella insurance often covers a variety of situations that might not be fully addressed by other policies, such as false arrest, libel, slander, and certain types of illnesses or injuries related to activities on your property. Peace of Mind : Knowing that you have an extra layer of liability protection can provide peace of mind, allowing you to live your life without the constant worry of financial ruin due to unexpected incidents. Affordable Coverage : Umbrella policies are generally cost-effective, offering a high level of coverage for a relatively low premium, especially considering the protection they provide against potentially catastrophic costs. Protection of Assets : If you have substantial assets (like a home, investments, or savings), an umbrella policy helps ensure that those assets are protected from being seized to pay for liabilities incurred in serious accidents. Evolving Risks : As life circumstances change—such as acquiring new assets, starting a business, or increasing your exposure to risk—an umbrella policy can evolve to help protect against new liabilities that arise. By investing in a liability umbrella policy, you enhance your financial security and capacity to manage risk effectively, safeguarding your future against unexpected liabilities.

Are there other Auto's Available for regular Use in the household?

Having an extended non-owned endorsement on a personal auto policy can be immensely beneficial for individuals who frequently use or have access to vehicles they don’t own. Here are several reasons why securing this endorsement is a wise decision: Liability Coverage : An extended non-owned endorsement provides liability coverage when you are driving a vehicle that you don't own. If you cause an accident while using someone else’s car, this endorsement helps cover damages and injuries, protecting you from potential lawsuits. Broader Protection : This endorsement can also cover damages resulting from the use of rental cars or vehicles borrowed from friends or family, ensuring that you have protection even when driving vehicles outside your primary policy. Peace of Mind : Knowing that you have liability coverage when driving a non-owned vehicle allows you to feel more secure and reduces stress when borrowing cars or using rental services. Supplementing Insufficient Coverage : In some cases, the owner of the vehicle may have minimal insurance coverage, which may not adequately protect you in the event of an accident. An extended non-owned endorsement can provide an extra layer of protection.

If YES - extended non-owned endorsement

Extended non-owned endorsement is necessary if there is another auto NOT on this policy

What Medical Payment coverage did you offer ?(Required)

Med Pay will pay he 20% NOT paid under PIP in Florida up to the limit . Any excess will be applied to medical exspenses

How much Medical Payment coveragw was taken ?

Enter the dollar amount or write REJECTED

What limit of UM Coverage did you recommend(Required)

In Florida, uninsured motorist coverage (UM) is a type of auto insurance that helps protect you if you are in an accident with a driver who doesn't have insurance or doesn’t have enough coverage to pay for your bodioly injury damages ONLY. Here’s how it generally works: Mandatory Requirement : While Florida does not require drivers to carry uninsured motorist coverage, if you choose to have it, your insurer must offer it to you. If you reject it, you need to sign a rejection form. Coverage Types : Uninsured motorist coverage can cover both bodily injury (UMBI) and property damage (UMPD). UMBI pays for medical expenses, lost wages, and pain and suffering for you and your passengers, whereas UMPD covers damages to your vehicle. Limits : You can choose the limits of your uninsured motorist coverage, but it must be equal to your bodily injury liability limits unless you expressly choose lower limits. For property damage coverage, there are specific caps that might apply. Claim Process : If you are in an accident with an uninsured driver, you would file a claim with your own insurance company. They will investigate the accident and determine the appropriate compensation based on your plan limits. Stacking : Florida allows for “stacking” of UM coverage, which means you can combine the limits of multiple vehicles insured under the same policy or across multiple policies to increase your total coverage. Exclusions : There are certain exclusions and limitations, such as accidents that occur while you are driving a vehicle you own but did not insure.

What UM coverae did the Client Select

Type amount or Type Reject

Did You explain Stacked vs Non Stacked Coverage?(Required)

Here's how it works: Basic Concept : If you have multiple vehicles insured under the same policy, or multiple policies, stacking allows you to add the UM limits together. For example, if you have two cars each with $50,000 in UM coverage, stacking would allow you to potentially access up to $100,000 in coverage for a claim involving an uninsured motorist. Benefits : Stacked coverage provides more financial protection in the event of a serious accident with an uninsured driver. It can be particularly advantageous if you or your passengers suffer significant injuries. Options : When purchasing uninsured motorist coverage, insurers typically offer the option for stacking. It's important to be clear about your choice, as opting for non-stacked (sometimes referred to as "non-stacking") coverage can limit your compensation in the event of an accident. Cost : Stacked coverage usually comes at a higher premium than non-stacked coverage, but the additional cost may be worth it for the increased protection. Legality : In Florida, stacking uninsured motorist coverage is legal and has specific rules that insurance companies must follow when offering or denying stacking options.

UPLOAD THE SIGNED UM FORM HERE

Max. file size: 512 MB.

In Florida a UM Form must be signed - uploading form will CYA

LIST EACH AUTO WITH DEDUCTIBLE FOR COLL/OTC

LIST EACH AUTO WITH DEDUCTIBLE FOR COLL/OTC fOR EXAMPLE AUTO 1 (PER LIST) 1000/100

Miscellaneous Equipment NOT Factory installed(Required)

Did you notice, or where you told of any additional equipment installed such as Radios , TV's or anything NOT Factory installed

Did you offer Rental Reimbursement?(Required)

BEWARE - certain cariers my only pay a percentage of the Rental Cost to the Limit

Did You Offer Twoing and Labor?(Required)

When form is submitted a copy will be sent to Office Manager then forwarded to Client's e-mail (return receipt) or put to File