Umbrella Application

UMBRELLA APPLICATION
FOR COMMUNITY ASSOCIATIONS, APARTMENT RENTALS, LESSORS RISK- OFFICE, LIGHT INDUSTRIAL, & RETAIL

Distinguished Programs has designed a new style of application. It is designed to be user friendly and easy to complete. Sections I, II, and III are presented first to quickly eliminate risks that do not qualify for our program. Section IV follows, which collects the information needed to rate and quote your risk. Combine this easy to complete application with quick quote turnaround and 24 hour electronic policy issuance . . . why go anywhere else?
SECTION I: BUILDING/EXPOSURES
The following buildings/exposures are either not eligible or eligible with restrictions:
	1. Not Eligible:
		a.Buildings older than 25 years that have not had the roof, HVAC, Plumbing and Electric systems updated in the last 25 years. b. Individual buildings with occupancy of less than 75% of the total units (for commercial complexes, calculate the % occupied for the entire complex not by individual building), unless new construction or gut rehabbed within one year of the proposed effective date of coverage. A certificate of occupancy must be issued prior to the effective date of coverage. No single individual buildings can be completely vacant, residential or commercial. c. Buildings with aluminum wiring unless repaired through "pig-tailing", CO/ALR devices, or COPALUM crimp connector. d. Buildings with Armed Security - exception for Courtesy Police Officers who reside at the property. e. Hotels or Resorts f. Churches/Religious Institutions g. Boarding/Rooming Houses/Single Room Occupancy (SRO) h. Mobile Home/Trailer/RV Parks i. Enclosed Malls j. Heavy Industrial Buildings k. Self-storage buildings l. Commercial Public or Insured Operated Warehouses (not LRO) m. Risks that host flea markets, amusement rides, concerts or other special events. n. Risks that allow drivers under the age of 21 whether the insured supplies an owned or hired vehicle or allows employees under the age of 21 to drive their own vehicle to conduct the insured's business. o. Buildings with the following occupancies:
			i.	Hospitals or health care clinics other than doctor's offices
			ii.	Governmental or Political Offices
			iii.	Restaurants without Ansul Systems
			iv.	Nightclubs, dance halls, or any occupancy with a cabaret license
			v.	Adult entertainment
			vi.	Strip shopping centers with check cashing operations or bars as tenants
		p. Buildings with the following kinds of claims within the last five years, or allegations of any such pending allegations:
			i.	Violent acts, suchas assault, rape, or shootings
			ii.	Class action lawsuits
			iii.	Construction defect lawsuits
	2. Eligible with restrictions:
		a. Buildings with Commercial Occupancies - must meet ALL of the following criteria to be eligible:
			i.	Commercial operations may not be operated by the insured other than property management offices.
			ii.	All commercial tenants must be required to provide proof of liability insurance to the landlord and include the landlord as an additional insured.
		b. Buildings with short term rentals - must meet ALL of the following criteria to be eligible:
			i.	No more than 50% of the units can be available for short term rental.
			ii.	Minimum rental age is 24 years of age.
			iii.	Minimum rental term is 7 days when building is greater than 6 stories.
		c. Vacant Land � must be fenced if within city limits or if outside of city limits, posted no hunting, no trespassing, and no parking.
		d. Housing with more than 50% of the units occupied by undergraduate students, unless Distinguished Programs writes the primary. Must submit risk to student housing program. Separate application required.

By checking this box I acknowledge that I have read items 1 and 2 above and agree that all locations comply

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