{ "schema_version": 1, "bank_version": "f02d6f9be", "source": "src/data/intake-questions.json and build-rendered intake controls", "required_meaning": "When shown, provide the applicant’s response or an available unknown answer that accurately reflects their choice. Required unanswered or pending questions must be resolved before Continue, Review and submission.", "instructions": [ "Never guess. Use only facts supplied or confirmed by the applicant. Answer every question the supplied facts answer. Use Not sure only when it accurately describes the applicant’s answer.", "Public intake has no Leave this for the applicant control. Stop and ask the applicant when a required fact is missing. Do not continue past unanswered required questions, type a placeholder answer, or use Come back later as a bypass.", "For credit authorization, stop and ask the applicant unless the applicant explicitly supplied their choice. Never infer authorization, decline, or Discuss with Lee first. Discuss with Lee first is an explicit applicant instruction, not an unanswered question.", "Not sure records an unknown answer. Does not apply is different: use it only when the question does not apply.", "Come back later bookmarks a question without answering it. Required unanswered questions still need a response before Continue, Review or submission.", "Attach documents using the labelled file input on the relevant question. Check the displayed file status and Review for missing files. Use an offered send-later option only when appropriate.", "Use the form save controls and keep the latest resume link private. Reopen that link to resume, check the restored answers, and reattach files if the form asks. Keep only one form tab open and do not overwrite newer answers from an older tab.", "Only the applicant may use Answer this question to resolve an existing pending answer with a real response; never auto-accept a saved pending answer or clear its pending state automatically. Required pending answers must be resolved before Continue, Review and submission.", "Stop at Review. The applicant must personally review all answers and give the required final acknowledgment. An AI assistant cannot attest for the applicant.", "Submitting this questionnaire does not create, bind or change insurance coverage.", "This reference lists every question-bank branch. Follow the full path shown in the live form; do not answer hidden branches or bypass the form with a submission API." ], "pickers": { "lines": [ { "key": "business", "label": "Business Insurance" }, { "key": "property", "label": "Lessor's Risk / Property Insurance" }, { "key": "events", "label": "Events, Sports & Recreation" }, { "key": "personal", "label": "Personal Insurance" } ], "business_classes": [ "Contractor/Trades", "Trucking/Transport", "Food & Beverage", "Beauty/Wellness", "Healthcare/Care", "Healthcare & Allied Health", "Professional Services", "Retail/E-commerce", "Manufacturing & Products", "Equipment & Event Rental", "Real Estate / Property", "Specialty/E&S" ], "flows": [ { "key": "personal_home", "line": "personal", "also_lines": [], "label": "Home or Condo You Own", "external_handoff": false }, { "key": "personal_auto", "line": "personal", "also_lines": [], "label": "Personal Auto", "external_handoff": false }, { "key": "personal_umbrella", "line": "personal", "also_lines": [], "label": "Personal Umbrella", "external_handoff": false }, { "key": "personal_mfg_home", "line": "personal", "also_lines": [], "label": "Manufactured / Mobile Home", "external_handoff": false }, { "key": "personal_renters", "line": "personal", "also_lines": [], "label": "Renters Insurance", "external_handoff": true }, { "key": "personal_life", "line": "personal", "also_lines": [], "label": "Life Insurance", "external_handoff": true }, { "key": "personal_motorcycle", "line": "personal", "also_lines": [], "label": "Motorcycle, ATV, Golf Cart, or Snowmobile", "external_handoff": false }, { "key": "personal_rv", "line": "personal", "also_lines": [], "label": "Motor Home or Travel Trailer", "external_handoff": false }, { "key": "personal_watercraft", "line": "personal", "also_lines": [], "label": "Boat or Watercraft", "external_handoff": false }, { "key": "property_home_rental", "line": "property", "also_lines": [ "personal" ], "label": "Home / Dwelling Rental", "external_handoff": false }, { "key": "property_mfg_home_rental", "line": "property", "also_lines": [ "personal" ], "label": "Manufactured / Mobile Home Rental", "external_handoff": false }, { "key": "property_rental_portfolio", "line": "property", "also_lines": [ "personal" ], "label": "Rental Portfolio (8 or more properties)", "external_handoff": false }, { "key": "property_builders_risk", "line": "property", "also_lines": [ "personal" ], "label": "Builder's Risk", "external_handoff": false }, { "key": "event_special", "line": "events", "also_lines": [], "label": "Special Event", "external_handoff": false }, { "key": "event_wedding", "line": "events", "also_lines": [], "label": "Wedding / Private Celebration", "external_handoff": false }, { "key": "event_vendor", "line": "events", "also_lines": [], "label": "Vendor / Exhibitor / Concessionaire", "external_handoff": false }, { "key": "event_entertainer", "line": "events", "also_lines": [], "label": "Entertainer / Performer / Band", "external_handoff": false }, { "key": "event_walkrun", "line": "events", "also_lines": [], "label": "Walk or Run Event", "external_handoff": false }, { "key": "event_sports_team", "line": "events", "also_lines": [], "label": "Amateur Sports Team / League / Association", "external_handoff": false }, { "key": "event_instructor", "line": "events", "also_lines": [], "label": "Fitness, Yoga, Dance or Sports Instructor", "external_handoff": false }, { "key": "event_dance_school", "line": "events", "also_lines": [], "label": "Dance School / Studio", "external_handoff": false }, { "key": "event_club", "line": "events", "also_lines": [], "label": "Activity & Social Club", "external_handoff": false }, { "key": "event_outfitter", "line": "events", "also_lines": [], "label": "Outfitters & Guides", "external_handoff": false }, { "key": "event_nonprofit_do", "line": "events", "also_lines": [], "label": "Nonprofit Board (D&O)", "external_handoff": false } ], "line_bridges": [ { "key": "property_commercial_re", "label": "Commercial Building or Land You Own", "line": "property", "to_line": "business", "to_class": "Real Estate / Property" } ] }, "steps": [ { "id": "flows.0.sections.0.fields", "title": "The home", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_property_address", "label": "Home address", "question": "What is the address of the home to be insured?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_occupancy", "label": "How the home is used", "question": "Which best describes this home?", "help": "A primary home, a seasonal home, and a vacant one are written on different policy forms, so this shapes the rest of the questions.", "type": "pills", "options": [ "My primary residence", "A second or seasonal home", "Currently vacant or unoccupied" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_dwelling_type", "label": "Type of home", "question": "What kind of home is it?", "help": "", "type": "pills", "options": [ "Site-built house", "Condo or townhouse", "Modular home", "Log home", "Adobe home", "Metal home", "Manufactured / mobile home", "Other (dome, earth, or straw-bale)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_transaction", "label": "Buying or already own", "question": "Are you buying this home now (under contract or closing soon), or do you already own it?", "help": "", "type": "pills", "options": [ "Buying it now (under contract / closing soon)", "I already own it" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_purchase_date", "label": "Purchase date", "question": "When did you buy the home? An approximate date is fine.", "help": "", "type": "date", "options": [], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "ho_purchase_price", "label": "Purchase price", "question": "What did you pay, or what are you paying, for the home?", "help": "A recent price is one input to sizing the dwelling coverage. The rebuild-cost estimate is done separately.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.0.sections.1.fields", "title": "How it is occupied", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_home_sharing", "label": "Renting out part of the home", "question": "Do you rent out any part of the home, a room or the whole house, through Airbnb, VRBO, or a similar service, or to a longer-term tenant?", "help": "Paying guests and tenants change the liability picture, and some policy forms exclude them unless the coverage is added, subject to the policy wording.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "How the home is used is one of: My primary residence; A second or seasonal home", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "How often, and which part of the home?", "options": [] } }, { "key": "ho_smoker", "label": "Smoking", "question": "Does anyone living in the home smoke?", "help": "Carriers ask this for fire rating. It does not decide eligibility on its own.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "How the home is used is one of: My primary residence; A second or seasonal home", "coverage_lines": [] }, { "key": "ho_seasonal_months", "label": "Months occupied", "question": "Roughly how many months a year is someone living in the home?", "help": "", "type": "number", "options": [], "required": false, "show_if": "How the home is used is A second or seasonal home", "coverage_lines": [] }, { "key": "ho_vacancy_reason", "label": "Why it is vacant", "question": "Why is the home vacant right now?", "help": "", "type": "pills", "options": [ "Estate, the owner passed away", "Between tenants or up for rent", "The owner moved to senior living or in with family", "Recently bought or inherited", "Under renovation", "Up for sale", "Other" ], "required": true, "show_if": "How the home is used is Currently vacant or unoccupied", "coverage_lines": [] }, { "key": "ho_vacancy_since", "label": "Vacant since", "question": "About when did the home become vacant?", "help": "", "type": "date", "options": [], "required": false, "show_if": "How the home is used is Currently vacant or unoccupied", "coverage_lines": [] }, { "key": "ho_vacancy_at_start", "label": "Occupancy when coverage starts", "question": "On the day the policy would start, will anyone be living in the home?", "help": "A home that is empty on the day coverage starts is written on a different form than one that is lived in by then, so the plan matters more than the situation today.", "type": "pills", "options": [ "Still empty", "Someone will be living in it by then", "Not sure yet" ], "required": false, "show_if": "How the home is used is Currently vacant or unoccupied", "coverage_lines": [] }, { "key": "ho_vacancy_plan", "label": "Plans for the home", "question": "What is the plan for the home over the next year: sell it, rent it, move in, or keep it as is?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "How the home is used is Currently vacant or unoccupied", "coverage_lines": [] } ] }, { "id": "flows.0.sections.2.fields", "title": "About the house", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_year_built", "label": "Year built", "question": "What year was the home built? An approximate year is fine.", "help": "Age is a primary rating factor, and older homes may be asked about system updates.", "type": "number", "options": [ "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_sqft", "label": "Square footage", "question": "What is the total living area, in square feet?", "help": "", "type": "number", "options": [ "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_stories", "label": "Stories", "question": "How many stories does the home have?", "help": "", "type": "pills", "options": [ "1", "1.5 (split-level or tri-level)", "2 (including bi-level)", "2.5", "3 or more" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_units", "label": "Living units", "question": "How many separate living units are in the building?", "help": "A duplex or larger is rated differently even when you live in one of the units.", "type": "pills", "options": [ "Just one (single-family)", "Duplex", "Triplex", "Fourplex", "Five or more" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_other_dwellings", "label": "Other dwellings on the property", "question": "Is there a second home, guest house, or casita on the same property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "How many, and is anyone living in them?", "options": [] } }, { "key": "ho_rowhouse", "label": "Shared walls", "question": "Does the home share a wall with a neighbor, like a rowhouse or an attached townhouse?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Type of home is Site-built house", "coverage_lines": [] } ] }, { "id": "flows.0.sections.3.fields", "title": "Construction", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_construction", "label": "Construction type", "question": "How are the outside walls built?", "help": "Frame and masonry homes are rated differently for fire and wind. Not sure is fine; public records usually have it.", "type": "pills", "options": [ "Wood frame", "Solid brick or masonry (90% or more)", "Concrete block", "Mixed: part masonry, part frame", "Masonry veneer (brick or stone over a frame, 90% or more)", "Fiber-cement siding (HardiePlank, 90% or more)", "Fire resistive (concrete or steel, 90% or more)", "Other / not sure" ], "required": true, "show_if": "Type of home is one of: Site-built house; Condo or townhouse; Modular home; Log home; Adobe home; Metal home; Other (dome, earth, or straw-bale)", "coverage_lines": [] }, { "key": "ho_masonry_share", "label": "Home masonry wall share", "question": "About how much of the outside walls is masonry or block?", "help": "", "type": "pills", "options": [ "Most of it", "About half", "Less than half", "Not sure" ], "required": false, "show_if": "(Type of home is one of: Site-built house; Condo or townhouse; Modular home; Log home; Adobe home; Metal home; Other (dome, earth, or straw-bale) AND Construction type is Mixed: part masonry, part frame)", "coverage_lines": [] }, { "key": "ho_roof_floor_framing", "label": "Home roof and floor framing", "question": "What are the roof and upper floors built on?", "help": "Masonry walls with a wood-framed roof are rated differently from an all-masonry building.", "type": "pills", "options": [ "Wood framing or rafters", "Concrete or steel deck", "Not sure" ], "required": false, "show_if": "(Type of home is one of: Site-built house; Condo or townhouse; Modular home; Log home; Adobe home; Metal home; Other (dome, earth, or straw-bale) AND Construction type is one of: Solid brick or masonry (90% or more); Concrete block; Mixed: part masonry, part frame)", "coverage_lines": [] }, { "key": "ho_foundation", "label": "Foundation", "question": "What kind of foundation does the home sit on?", "help": "", "type": "pills", "options": [ "Slab", "Basement", "Closed crawl space", "Raised pier and beam, 2 feet or lower", "Raised pier and beam, more than 2 feet", "Wood", "Other / not sure" ], "required": true, "show_if": "Type of home is one of: Site-built house; Condo or townhouse; Modular home; Log home; Adobe home; Metal home; Other (dome, earth, or straw-bale)", "coverage_lines": [] }, { "key": "ho_roof_material", "label": "Roof material", "question": "What is the roof made of?", "help": "Roof material and age are among the biggest factors on a home policy. Not sure is a fine answer.", "type": "pills", "options": [ "Asphalt or composition shingle", "Tile (concrete or clay)", "Metal (steel, aluminum, or copper)", "Wood shake or shingle", "A newer roof laid over wood shake", "Slate", "Other", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_roof_scope", "label": "Roof replacement", "question": "Has the roof been replaced, and if so was it a full or partial job?", "help": "A full replacement generally means the complete roof was replaced; a partial job means repairs or replacement of only a portion of it. Pick whichever is closest. If a condo or townhouse association owns the roof, pick that instead.", "type": "pills", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure", "The HOA maintains it" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "ho_roof_year", "label": "Year of roof work", "question": "About what year was that roof work done?", "help": "", "type": "number", "options": [ "Not sure" ], "required": false, "show_if": "Roof replacement is one of: Full replacement; Partial repair or replacement", "coverage_lines": [] }, { "key": "ho_mh_home_type", "label": "Home type", "question": "Which best describes the home?", "help": "", "type": "pills", "options": [ "Single Wide", "Double Wide", "Triple Wide", "Park Model", "Fifth Wheel" ], "required": false, "show_if": "Type of home is Manufactured / mobile home", "coverage_lines": [] }, { "key": "ho_mh_make_model", "label": "Make / model", "question": "What is the make and model of the home?", "help": "", "type": "text", "options": [], "required": false, "show_if": "Type of home is Manufactured / mobile home", "coverage_lines": [] }, { "key": "ho_mh_dimensions", "label": "Length x width", "question": "What are the home's outside length and width, in feet?", "help": "", "type": "dimensions", "options": [], "required": false, "show_if": "Type of home is Manufactured / mobile home", "coverage_lines": [] }, { "key": "ho_mh_secured", "label": "How it's secured", "question": "How is the home installed or secured?", "help": "", "type": "pills", "options": [ "Permanent foundation", "Tie-downs / anchored", "Blocks & piers", "Not sure" ], "required": false, "show_if": "Type of home is Manufactured / mobile home", "coverage_lines": [] } ] }, { "id": "flows.0.sections.4.fields", "title": "Heating and systems", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_heat_source", "label": "Main heat source", "question": "What is the home's main source of heat?", "help": "", "type": "pills", "options": [ "Furnace (forced air or central)", "Heat pump", "Electric baseboard", "Boiler (steam or hot-water radiators)", "Fireplace or wood stove as the main heat", "Built-in space heater", "Portable space heaters", "None", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_heat_fuel", "label": "Heating fuel", "question": "What fuel does the main heating use?", "help": "", "type": "pills", "options": [ "Natural gas", "Propane", "Electricity from the utility", "Solar, wind, or generator electricity", "Oil", "Wood or pellets", "Other / not sure" ], "required": true, "show_if": "Main heat source is one of: Furnace (forced air or central); Heat pump; Electric baseboard; Boiler (steam or hot-water radiators); Fireplace or wood stove as the main heat; Built-in space heater; Portable space heaters; Other", "coverage_lines": [] }, { "key": "ho_supplemental_heat", "label": "Fireplace or wood stove", "question": "Is there a fireplace, wood or pellet stove, or other supplemental heating in the home?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "What kind, and what does it burn?", "options": [] } }, { "key": "ho_outbuilding_heater", "label": "Heater in a garage or outbuilding", "question": "Does a garage, workshop, or outbuilding have a wood, pellet, or kerosene heater?", "help": "Solid-fuel and kerosene heaters outside the living space are a common fire question on home applications.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_update_electrical_scope", "label": "Electrical / wiring update", "question": "Has the wiring been updated, and if so was it a full or partial update?", "help": "For a home over about 25 years old, carriers ask whether the wiring, plumbing and heating have been updated. A full update generally means replacing all wiring, outlets and the panel; partial means some of it. Not sure is fine.", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Year built is unknown or is at least 25 calendar years ago", "coverage_lines": [] }, { "key": "ho_update_electrical_year", "label": "Year of electrical work", "question": "About what year was the electrical work done?", "help": "", "type": "number", "options": [], "required": false, "show_if": "Electrical / wiring update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "ho_update_plumbing_scope", "label": "Plumbing update", "question": "Has the plumbing been updated, and if so was it a full or partial update?", "help": "", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Year built is unknown or is at least 25 calendar years ago", "coverage_lines": [] }, { "key": "ho_update_plumbing_year", "label": "Year of plumbing work", "question": "About what year was the plumbing work done?", "help": "", "type": "number", "options": [], "required": false, "show_if": "Plumbing update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "ho_update_heating_scope", "label": "Heating / cooling (HVAC) update", "question": "Has the heating or cooling system been updated, and if so was it a full or partial update?", "help": "", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Year built is unknown or is at least 25 calendar years ago", "coverage_lines": [] }, { "key": "ho_update_heating_year", "label": "Year of heating / cooling work", "question": "About what year was the heating or cooling work done?", "help": "", "type": "number", "options": [], "required": false, "show_if": "Heating / cooling (HVAC) update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "ho_updates", "label": "Other updates", "question": "Any other updates or renovations worth knowing about?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.0.sections.5.fields", "title": "Condo or association", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_hoa_any", "label": "Condo / townhouse or HOA", "question": "Is this home a condo or townhouse, or otherwise part of an owners association (HOA)? You will see this question on each property you add, so properties in different associations, or in none, are all handled.", "help": "When an association is involved, its master insurance policy typically covers part of the building. Knowing that up front helps this property's coverage line up with the association's instead of insuring too much or too little.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_hoa_name", "label": "Association / management company", "question": "What is the name of the association or its management company? A phone number or email is helpful if you have it.", "help": "If the documents aren't handy, the association or its management company is the quickest source for the master policy details.", "type": "text", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "ho_hoa_master_coverage", "label": "What the master policy covers", "question": "Associations carry a master insurance policy for the community. Do you know which parts of a unit it covers? Pick the closest match. Not sure is a perfectly normal answer.", "help": "The association's master policy may insure only the exterior structure, the unit as originally constructed, or most permanently installed parts of the unit. Your policy generally fills the gaps for what the master policy leaves out, along with personal property, liability, loss of use, and possible association deductibles or assessments, subject to the policy wording. A best guess here is fine. The association's documents are what actually spell this out, which is why we ask for a copy at the end.", "type": "pills", "options": [ "Bare walls: structure and common areas only, not the unit interior", "As originally built: the unit as first constructed, but not upgrades", "All-in: most permanently installed parts of the unit", "Not sure" ], "required": true, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "ho_hoa_master_deductible", "label": "Master policy deductible", "question": "If you know the master policy deductible, enter it here. Some associations can charge part of that deductible back to a unit owner after a loss; note that too if you know it. Not sure is fine.", "help": "A large master policy deductible, especially for water or wind, can sometimes be assessed back to unit owners. Knowing it helps with sizing loss assessment coverage. It also appears in the association documents, so leaving this blank just means the answer comes from there.", "type": "text", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "ho_hoa_interior_value", "label": "Interior finishes and upgrades", "question": "Roughly what would it cost to redo the interior finishes of this unit: flooring, cabinets, counters, built-in fixtures, and any upgrades made since original construction? A rough estimate is fine.", "help": "Depending on what the master policy covers, some or all of the interior may be yours to insure. This estimate helps set the unit coverage limit. The association documents fill in the rest.", "type": "money", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] } ] }, { "id": "flows.0.sections.6.fields", "title": "Safety and liability", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_security", "label": "Safety and security devices", "question": "Which of these does the home have?", "help": "Several of these earn credits with most carriers. Pick everything that applies.", "type": "multichips", "options": [ "Deadbolt locks", "Smoke detectors", "Carbon monoxide detector", "Fire extinguisher", "Monitored (central station) fire alarm", "Burglar alarm, local or monitored", "Fire sprinkler system", "Smart home devices (leak sensor, cameras, smart locks)", "Bars on windows or doors", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_existing_damage", "label": "Existing damage or repairs needed", "question": "Is there any existing damage, or repairs that are needed, to the roof, structure, siding, chimney, foundation, walkways, or any other structure on the property?", "help": "Existing damage is usually excluded until it is fixed, so carriers ask about it up front. Describing it accurately avoids a surprise at inspection.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe what and where, and whether repairs are scheduled", "options": [] } }, { "key": "ho_under_construction", "label": "Construction or renovation", "question": "Is the home under construction or being renovated right now?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What work is being done, when it should finish, and whether the contractor is licensed", "options": [] } }, { "key": "ho_pool", "label": "Swimming pool or hot tub", "question": "Is there a swimming pool deeper than about 2.5 feet, or a hot tub, on the property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_pool_fence", "label": "Pool fencing", "question": "How is the pool or hot tub secured?", "help": "A fence with a self-closing, self-latching gate is what most carriers look for. Note any diving board or slide in the comments at the end.", "type": "pills", "options": [ "Fully enclosed by a fence or barrier 4 feet or higher, with a self-latching gate", "Fenced, but under 4 feet or without a self-latching gate", "Not fenced, or not fully enclosed", "It is a hot tub or spa with a locking cover" ], "required": true, "show_if": "Swimming pool or hot tub is Yes", "coverage_lines": [] }, { "key": "ho_trampoline", "label": "Trampoline", "question": "Is there a trampoline on the property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.0.sections.7.fields", "title": "Animals and business use", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_dog", "label": "Dogs", "question": "Are there any dogs in the household?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "Breed or mix of each dog", "options": [] } }, { "key": "ho_dog_bite", "label": "Animal bite or injury history", "question": "Has any animal in the household ever bitten or injured someone?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What happened, and when", "options": [] } }, { "key": "ho_exotic_animal", "label": "Exotic or unusual animals", "question": "Any exotic or unusual animals, such as snakes, ferrets, large lizards, or livestock?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "What kind", "options": [] } }, { "key": "ho_business_on_premises", "label": "Business or farming on the property", "question": "Is any business run from the home or on the property, including farming or ranching, a home office with client visits, day care, or a salon?", "help": "A home-based business can generally be covered, but it has to be disclosed for the coverage to respond, subject to the policy wording.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What kind of business, and roughly how many customers or clients come to the home", "options": [] } } ] }, { "id": "flows.0.sections.8.fields", "title": "Insurance history", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_currently_insured", "label": "Current insurance", "question": "Is the home insured right now?", "help": "", "type": "pills", "options": [ "Yes, it is insured now", "No, this is a new purchase", "No, the policy lapsed or was cancelled", "No, it has never been insured" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_current_carrier", "label": "Current insurer", "question": "Which company is the current policy with?", "help": "", "type": "text", "options": [ "AAA (Auto Club)", "Allstate", "American Family", "American Modern", "American Reliable", "Amica", "ASI", "Assurant", "Auto-Owners", "Chubb", "COUNTRY Financial", "Encompass", "Farm Bureau", "Farmers", "Foremost", "Homesite", "Liberty Mutual", "MetLife", "National General", "Nationwide", "Progressive", "Safeco", "State Farm", "Stillwater", "The Hartford", "Travelers", "USAA" ], "required": false, "show_if": "Current insurance is Yes, it is insured now", "coverage_lines": [] }, { "key": "ho_cancelled", "label": "Cancellations or non-renewals", "question": "In the past five years, has any insurer cancelled, declined, or non-renewed a home policy of yours, including for non-payment?", "help": "Carriers ask this on every application. A yes rarely stops a quote; it just needs the reason.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Which company, when, and the reason given", "options": [] } }, { "key": "ho_other_policies", "label": "Other policies to consider", "question": "Would you like a quote on anything else at the same time, such as a rental property, a boat, RV, or motorcycle, or an umbrella?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.0.sections.9.fields", "title": "Claims history", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_prior_claims", "label": "Prior claims", "question": "Any current, ongoing, or past claims or losses at this home in the past 5 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe each claim, and note whether it is still open or has been closed", "options": [] } }, { "key": "ho_known_claims", "label": "Known claims or damage", "question": "Are you aware of any past damage or insurance claims at this home, for example anything the seller disclosed or an inspection found?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is Buying it now (under contract / closing soon)", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe what was disclosed", "options": [] } } ] }, { "id": "flows.0.sections.10.fields", "title": "Loan and other parties", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_has_loan", "label": "Loan or mortgage", "question": "Is there a loan or mortgage on this home?", "help": "A lender named on the policy generally asks to receive the coverage documents directly. If there is no loan on this home, the next few questions are skipped.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_lender", "label": "Mortgagee / lender", "question": "Who is the lender or mortgagee on this home? The name as it appears on your loan paperwork is what we need.", "help": "A lender named on the policy is generally sent the coverage documents directly, which can help avoid force placed insurance.", "type": "text", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "ho_lender_clause", "label": "Clause wording", "question": "Lenders usually ask for a stock phrase after their name on the policy. Pick whichever ones your lender asked for. If they did not say, or you are not sure, choose the last option.", "help": "ISAOA and ATIMA are the two phrases nearly every lender asks to have added after its name. Picking them here means the mortgagee clause can be assembled from your answers instead of being typed out a second time.", "type": "multichips", "options": [ "ISAOA (its successors and/or assigns)", "ATIMA (as their interests may appear)", "Not sure, or my lender did not specify" ], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "ho_loan_number", "label": "Loan number", "question": "What is the loan number, if you have it handy? Lenders use it to match the insurance to your loan.", "help": "", "type": "text", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "ho_lender_address", "label": "Lender mailing address", "question": "What mailing address does the lender want listed on the policy? It is usually on your mortgage statement, and it is often a payment processing address rather than a branch.", "help": "This is generally where the lender's copy of the policy documents is sent. With the name and the wording above, it completes the mortgagee clause, so there is nothing left to paste in.", "type": "address", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "ho_billing", "label": "Billing", "question": "How do you expect the insurance on this home to be paid: billed to the mortgage company through escrow, or paid by you directly?", "help": "Escrow billing runs through the loan servicer, so knowing which way you expect to pay tells us where the billing paperwork should go.", "type": "pills", "options": [ "Mortgagee billed (escrow)", "I'll pay directly", "Not sure yet" ], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "ho_additional_insured", "label": "Additional insureds", "question": "Besides the owner and any lender above, does anyone else need to be listed on the policy for this home, such as a property manager, a member or holding LLC, or a master tenant? Choose No if the named insured above is the only party. You will see the same question on each additional property you add.", "help": "An additional insured or loss payee is a party you've agreed to protect or name on the policy. Listing them with the property they belong to helps keep each policy's parties straight and can save a mid term policy change and a re issued certificate later.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "party_rows", "label": "Add each party (interest type, name, address)", "options": [ "Additional Insured", "Mortgagee", "Loss Payee", "Property Manager", "Member / Holding Entity", "Master Tenant", "Other" ] } } ] }, { "id": "flows.0.sections.11.fields", "title": "Who is on the policy", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_applicant_dob", "label": "Your date of birth", "question": "What is your date of birth?", "help": "Date of birth is a standard rating and identity factor on a home policy.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_has_coapplicant", "label": "Spouse or co-applicant", "question": "Should a spouse or co-applicant be listed on the policy?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "spouse", "label": "Spouse / co-applicant details", "options": [] } }, { "key": "ho_titled_to", "label": "Who holds title", "question": "Who is on the title or deed?", "help": "The policy names whoever holds title. If the deed is in a trust or an LLC but the policy names only you, a claim can be disputed.", "type": "pills", "options": [ "Me, or me and my spouse or partner", "A trust", "An LLC, corporation, or other business", "Someone else" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_title_entity", "label": "Name on the title", "question": "What is the exact name on the title or deed?", "help": "", "type": "text", "options": [], "required": false, "show_if": "Who holds title is one of: A trust; An LLC, corporation, or other business; Someone else", "coverage_lines": [] }, { "key": "ho_mailing_same", "label": "Mailing address same as the home", "question": "Is your mailing address the same as the home's address?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "", "type": "address", "options": [], "required": false, "show_if": "Mailing address same as the home is No", "coverage_lines": [] } ] }, { "id": "flows.0.sections.12.fields", "title": "Coverage & policy details", "scope": "Home or Condo You Own", "flow_key": "personal_home", "handoff": false, "questions": [ { "key": "ho_effective_date", "label": "Start / closing date", "question": "What date would you like the policy to begin? If you already have coverage, this is usually your current policy's renewal or cancellation date. If you are buying, it is your closing date. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ho_other_structures", "label": "Detached structures", "question": "Are there detached structures to cover, such as a garage, workshop, casita, barn, or pool house?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What they are, and a rough replacement value for each", "options": [] } }, { "key": "ho_valuables", "label": "High-value items", "question": "Do you have jewelry, art, firearms, collectibles, or other high-value items you would want specifically listed?", "help": "Standard policies cap certain categories. Listing items individually is how they are generally covered for full value, subject to the policy wording.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What they are and roughly what each is worth", "options": [] } }, { "key": "ho_current_policy_docs", "label": "Current policy", "question": "Optional: attach your current declarations page or renewal notice.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Current insurance is Yes, it is insured now", "coverage_lines": [] }, { "key": "ho_notes", "label": "Anything else", "question": "Is there anything else Lee should know about the home?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.1.sections.0.fields", "title": "Household and garaging", "scope": "Personal Auto", "flow_key": "personal_auto", "handoff": false, "questions": [ { "key": "pav_applicant_dob", "label": "Auto applicant date of birth", "question": "What is your date of birth?", "help": "Date of birth is a standard rating and identity factor on a personal auto policy.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_marital_status", "label": "Auto applicant marital status", "question": "What is your marital status?", "help": "", "type": "pills", "options": [ "Single", "Married", "Divorced", "Separated", "Widowed" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_garaging_address", "label": "Garaging address", "question": "What is the main address where the vehicles are kept overnight?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_mailing_same", "label": "Mailing address same as garaging address", "question": "Is your mailing address the same as the garaging address?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_mailing_address", "label": "Different mailing address", "question": "What mailing address should be used for policy documents?", "help": "", "type": "address", "options": [], "required": false, "show_if": "Mailing address same as garaging address is No", "coverage_lines": [] } ] }, { "id": "flows.1.sections.1.fields", "title": "Drivers", "scope": "Personal Auto", "flow_key": "personal_auto", "handoff": false, "questions": [ { "key": "pav_drivers", "label": "Drivers on the auto policy", "question": "Add every household member and other regular driver who may operate any of the vehicles, starting with yourself.", "help": "Carriers generally rate every household member and regular driver. Listing someone here does not add or change coverage.", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "relationship", "label": "Relationship to you", "type": "pills", "options": [ "Self", "Spouse or partner", "Child", "Parent", "Other household member", "Other regular driver" ] }, { "key": "sex", "label": "Sex as shown on the driver's license", "type": "pills", "options": [ "Female", "Male", "X" ] }, { "key": "marital_status", "label": "Marital status", "type": "pills", "options": [ "Single", "Married", "Divorced", "Separated", "Widowed" ] }, { "key": "license_state", "label": "Driver's license state", "type": "text", "options": [] }, { "key": "license_number", "label": "Driver's license number", "type": "text", "options": [] }, { "key": "license_status", "label": "License status", "type": "pills", "options": [ "Valid", "Learner's permit", "Expired", "Suspended or revoked", "Never licensed" ] }, { "key": "years_licensed", "label": "Years licensed", "type": "number", "options": [] }, { "key": "occupation", "label": "Occupation or student status", "type": "text", "options": [] }, { "key": "incidents", "label": "Violations, accidents, or claims in the past 5 years", "type": "textarea", "options": [] }, { "key": "sr22", "label": "Needs an SR-22 filing?", "type": "yesno", "options": [] } ] } ] }, { "id": "flows.1.sections.2.fields", "title": "Vehicles", "scope": "Personal Auto", "flow_key": "personal_auto", "handoff": false, "questions": [ { "key": "pav_vehicles", "label": "Vehicles on this auto policy", "question": "Add each vehicle. Enter the VIN if you have it, or enter the year, make, and model instead.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "vin", "label": "VIN, if available", "type": "text", "options": [] }, { "key": "model_year", "label": "Model year", "type": "number", "options": [] }, { "key": "make", "label": "Make", "type": "text", "options": [] }, { "key": "model", "label": "Model", "type": "text", "options": [] }, { "key": "body_type", "label": "Body type", "type": "text", "options": [] }, { "key": "ownership", "label": "Ownership", "type": "pills", "options": [ "Owned outright", "Financed", "Leased" ] }, { "key": "lienholder", "label": "Lienholder or leasing company", "type": "text", "options": [] }, { "key": "primary_use", "label": "Primary use", "type": "pills", "options": [ "Commute", "Pleasure", "Business", "Rideshare or delivery" ] }, { "key": "commute_miles", "label": "One-way commute in miles", "type": "number", "options": [] }, { "key": "annual_miles", "label": "Estimated annual miles", "type": "number", "options": [] }, { "key": "purchase_date", "label": "Date purchased", "type": "date", "options": [] }, { "key": "cost_new", "label": "Original cost when new", "type": "money", "options": [] }, { "key": "current_value", "label": "Current estimated value", "type": "money", "options": [] }, { "key": "garaged_same", "label": "Kept at the main garaging address?", "type": "yesno", "options": [] }, { "key": "garaging_address", "label": "Different garaging address", "type": "address", "options": [] } ] } ] }, { "id": "flows.1.sections.3.fields", "title": "Current insurance", "scope": "Personal Auto", "flow_key": "personal_auto", "handoff": false, "questions": [ { "key": "pav_current_status", "label": "Current personal auto insurance", "question": "Which best describes your personal auto insurance today?", "help": "", "type": "pills", "options": [ "Yes, I have personal auto insurance now", "No, this will be my first personal auto policy", "No, my prior policy lapsed or was cancelled", "No, I do not currently own a vehicle" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_current_carrier", "label": "Current auto insurer", "question": "Which company is the current policy with?", "help": "", "type": "text", "options": [ "AAA (Auto Club)", "Allstate", "American Family", "American Modern", "American Reliable", "Amica", "ASI", "Assurant", "Auto-Owners", "Chubb", "COUNTRY Financial", "Encompass", "Farm Bureau", "Farmers", "Foremost", "Homesite", "Liberty Mutual", "MetLife", "National General", "Nationwide", "Progressive", "Safeco", "State Farm", "Stillwater", "The Hartford", "Travelers", "USAA" ], "required": false, "show_if": "Current personal auto insurance is Yes, I have personal auto insurance now", "coverage_lines": [] }, { "key": "pav_current_renewal", "label": "Current policy renewal date", "question": "When does the current policy renew or expire?", "help": "", "type": "date", "options": [], "required": false, "show_if": "Current personal auto insurance is Yes, I have personal auto insurance now", "coverage_lines": [] }, { "key": "pav_continuous_coverage", "label": "Continuous insurance history", "question": "How long have you had personal auto insurance without a break?", "help": "", "type": "pills", "options": [ "No prior personal auto insurance", "Less than 6 months", "6 to 11 months", "1 to 2 years", "3 to 5 years", "More than 5 years", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_coverage_lapse", "label": "Coverage lapse", "question": "In the past three years, has there been any break in your personal auto insurance?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Give the approximate dates and reason", "options": [] } }, { "key": "pav_cancelled_declined", "label": "Cancellation or decline", "question": "In the past three years, has an insurer cancelled, declined, or non-renewed your personal auto insurance?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Which insurer, when, and the reason given", "options": [] } } ] }, { "id": "flows.1.sections.4.fields", "title": "Excluded household drivers", "scope": "Personal Auto", "flow_key": "personal_auto", "handoff": false, "questions": [ { "key": "pav_has_excluded_drivers", "label": "Excluded household drivers", "question": "Is any household member or regular driver excluded from the current policy or expected to be excluded from the quote?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_excluded_drivers", "label": "Drivers to exclude", "question": "Add each driver and the reason for the exclusion.", "help": "An exclusion generally removes coverage for that person's driving, subject to the policy wording and carrier rules. This answer only records the requested application fact.", "type": "property_repeater", "options": [], "required": true, "show_if": "Excluded household drivers is Yes", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "relationship", "label": "Relationship to you", "type": "pills", "options": [ "Self", "Spouse or partner", "Child", "Parent", "Other household member", "Other regular driver" ] }, { "key": "reason", "label": "Reason for exclusion", "type": "textarea", "options": [] } ] } ] }, { "id": "flows.1.sections.5.fields", "title": "Policy details", "scope": "Personal Auto", "flow_key": "personal_auto", "handoff": false, "questions": [ { "key": "pav_effective_date", "label": "Requested auto policy start date", "question": "What date should the quote use as the requested policy start date? For an existing policy, this is often the renewal date. For a new vehicle, it may be the delivery date. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_current_policy_docs", "label": "Current auto policy document", "question": "Optional: attach your current declarations page or renewal notice.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Current personal auto insurance is Yes, I have personal auto insurance now", "coverage_lines": [] }, { "key": "pav_other_policies", "label": "Other personal policies to consider", "question": "Would you like us to consider anything else at the same time, such as home, rental property, boat, RV, motorcycle, or umbrella?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pav_notes", "label": "Anything else about the auto policy", "question": "Is there anything else Lee should know about the drivers, vehicles, or insurance history?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.2.sections.0.fields", "title": "Household", "scope": "Personal Umbrella", "flow_key": "personal_umbrella", "handoff": false, "questions": [ { "key": "pum_applicant_dob", "label": "Umbrella applicant date of birth", "question": "What is your date of birth?", "help": "Date of birth is a standard rating and identity factor on a personal umbrella application.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pum_home_address", "label": "Umbrella applicant home address", "question": "What is your primary home address?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pum_marital_status", "label": "Umbrella applicant marital status", "question": "What is your marital status?", "help": "", "type": "pills", "options": [ "Single", "Married", "Divorced", "Separated", "Widowed" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pum_household_members", "label": "Household members", "question": "Add each person who lives in your household, including yourself.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "relationship", "label": "Relationship to you", "type": "pills", "options": [ "Self", "Spouse or partner", "Child", "Parent", "Other household member" ] } ] } ] }, { "id": "flows.2.sections.1.fields", "title": "Drivers", "scope": "Personal Umbrella", "flow_key": "personal_umbrella", "handoff": false, "questions": [ { "key": "pum_drivers", "label": "Drivers in the household", "question": "Add each household member or other regular operator who drives. If no one drives, leave this empty.", "help": "", "type": "property_repeater", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "relationship", "label": "Relationship to you", "type": "pills", "options": [ "Self", "Spouse or partner", "Child", "Parent", "Other household member", "Other regular driver" ] }, { "key": "sex", "label": "Sex as shown on the driver's license", "type": "pills", "options": [ "Female", "Male", "X" ] }, { "key": "license_state", "label": "Driver's license state", "type": "text", "options": [] }, { "key": "license_number", "label": "Driver's license number", "type": "text", "options": [] }, { "key": "years_licensed", "label": "Years licensed", "type": "number", "options": [] }, { "key": "occupation", "label": "Occupation or student status", "type": "text", "options": [] }, { "key": "incidents", "label": "Violations, accidents, or claims in the past 5 years", "type": "textarea", "options": [] } ] }, { "key": "pum_vehicles", "label": "Household vehicles", "question": "Add each car, pickup, SUV, van, or other private passenger vehicle owned, leased, or regularly used by the household. If there are none, leave this empty.", "help": "", "type": "property_repeater", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "vin", "label": "VIN, if available", "type": "text", "options": [] }, { "key": "model_year", "label": "Model year", "type": "number", "options": [] }, { "key": "make", "label": "Make", "type": "text", "options": [] }, { "key": "model", "label": "Model", "type": "text", "options": [] }, { "key": "ownership", "label": "Ownership", "type": "pills", "options": [ "Owned outright", "Financed", "Leased" ] }, { "key": "primary_driver", "label": "Primary driver", "type": "text", "options": [] }, { "key": "primary_use", "label": "Primary use", "type": "pills", "options": [ "Commute", "Pleasure", "Business", "Rideshare or delivery" ] } ] }, { "key": "pum_youthful_drivers", "label": "Drivers under age 25", "question": "Is any household member or regular driver under age 25?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pum_youthful_driver_details", "label": "Younger driver details", "question": "Add each driver under age 25.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "Drivers under age 25 is Yes", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "away_at_school", "label": "Lives away at school?", "type": "yesno", "options": [] }, { "key": "driver_training", "label": "Completed driver training?", "type": "yesno", "options": [] }, { "key": "student_record", "label": "Full-time student with a B average or better?", "type": "yesno", "options": [] } ] } ] }, { "id": "flows.2.sections.2.fields", "title": "Underlying policies", "scope": "Personal Umbrella", "flow_key": "personal_umbrella", "handoff": false, "questions": [ { "key": "pum_underlying_policies", "label": "Policies beneath the umbrella", "question": "Add each current auto, home, watercraft, rental dwelling, or other liability policy that would sit beneath the umbrella.", "help": "Umbrella carriers generally require specified underlying policies and liability limits, subject to carrier guidelines. This schedule records what you currently carry; it does not select new limits or change any policy.", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "policy_type", "label": "Policy type", "type": "pills", "options": [ "Personal auto", "Home, condo, or renters", "Rental dwelling", "Boat or watercraft", "Motorcycle or recreational vehicle", "Current umbrella", "Other liability policy" ] }, { "key": "carrier", "label": "Insurance company", "type": "text", "options": [] }, { "key": "policy_number", "label": "Policy number, if handy", "type": "text", "options": [] }, { "key": "renewal_date", "label": "Renewal or expiration date", "type": "date", "options": [] }, { "key": "current_liability_limit", "label": "Current liability limit shown on the policy", "type": "text", "options": [] }, { "key": "brokerpro_writes", "label": "Is BrokerPro the agency on this policy?", "type": "pills", "options": [ "Yes, BrokerPro is the agency on this policy", "No, another agency handles this policy", "Not sure" ] } ] }, { "key": "pum_underlying_docs", "label": "Underlying policy documents", "question": "Optional: attach the declarations pages for the policies you listed.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.2.sections.3.fields", "title": "Rental properties", "scope": "Personal Umbrella", "flow_key": "personal_umbrella", "handoff": false, "questions": [ { "key": "pum_rental_properties", "label": "Rental properties you own", "question": "Add every rental dwelling you own. If you do not own any, leave this empty.", "help": "", "type": "property_repeater", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "address", "label": "Property address", "type": "address", "options": [] }, { "key": "ownership", "label": "Name shown on the deed", "type": "text", "options": [] }, { "key": "occupancy", "label": "How it is occupied", "type": "pills", "options": [ "Long-term tenant", "Short-term rental", "Vacant", "Family member", "Other" ] }, { "key": "units", "label": "Number of living units", "type": "number", "options": [] }, { "key": "carrier", "label": "Current insurer", "type": "text", "options": [] } ] } ] }, { "id": "flows.2.sections.4.fields", "title": "Watercraft and recreational vehicles", "scope": "Personal Umbrella", "flow_key": "personal_umbrella", "handoff": false, "questions": [ { "key": "pum_recreational_units", "label": "Watercraft and recreational vehicles", "question": "Add every boat, personal watercraft, motorcycle, motor home, trailer, ATV, golf cart, or similar unit you own. If you do not own any, leave this empty.", "help": "", "type": "property_repeater", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "unit_type", "label": "Type", "type": "pills", "options": [ "Motorcycle, ATV, golf cart, or snowmobile", "Motor home", "Travel trailer or camper", "Boat", "Personal watercraft or jet ski", "Other" ] }, { "key": "model_year", "label": "Model year", "type": "number", "options": [] }, { "key": "make", "label": "Make", "type": "text", "options": [] }, { "key": "model", "label": "Model", "type": "text", "options": [] }, { "key": "vin_hin", "label": "VIN or hull ID, if available", "type": "text", "options": [] }, { "key": "ownership", "label": "Ownership", "type": "pills", "options": [ "Owned outright", "Financed", "Leased" ] }, { "key": "primary_use", "label": "Primary use", "type": "pills", "options": [ "Pleasure", "Commute", "Business", "Other" ] }, { "key": "carrier", "label": "Current insurer", "type": "text", "options": [] } ] } ] }, { "id": "flows.2.sections.5.fields", "title": "Liability exposures", "scope": "Personal Umbrella", "flow_key": "personal_umbrella", "handoff": false, "questions": [ { "key": "pum_pool", "label": "Pools and hot tubs", "question": "Does any home or rental property you own have a swimming pool or hot tub?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "List the address, type, fencing or locking cover, and any slide or diving board", "options": [] } }, { "key": "pum_trampoline", "label": "Trampolines", "question": "Does any home or rental property you own have a trampoline?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "List the address and whether it is fenced or enclosed", "options": [] } }, { "key": "pum_dogs", "label": "Dogs in the household", "question": "Do you or any household member own a dog?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "List each breed or mix and any bite or injury history", "options": [] } }, { "key": "pum_domestic_staff", "label": "Household employees", "question": "Do you employ anyone in or around the home, such as a nanny, housekeeper, caretaker, or grounds worker?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe the work and how often they work", "options": [] } }, { "key": "pum_business_activity", "label": "Business or professional activity", "question": "Do you or any household member own a business, serve on a board, or have a professional activity that could create personal liability?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe the activity and any separate liability insurance", "options": [] } } ] }, { "id": "flows.2.sections.6.fields", "title": "Umbrella and claim history", "scope": "Personal Umbrella", "flow_key": "personal_umbrella", "handoff": false, "questions": [ { "key": "pum_current_umbrella", "label": "Current umbrella policy", "question": "Do you currently have a personal umbrella policy?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Give the insurer and renewal or expiration date", "options": [] } }, { "key": "pum_prior_declined", "label": "Prior umbrella decline", "question": "In the past five years, has an insurer declined, cancelled, or non-renewed a personal umbrella policy for you?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Which insurer, when, and the reason given", "options": [] } }, { "key": "pum_prior_liability_claims", "label": "Liability claims or incidents", "question": "In the past five years, have you or any household member had a liability claim, lawsuit, or incident that could lead to one?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe each event, the approximate date, and whether it is open or closed", "options": [] } }, { "key": "pum_effective_date", "label": "Requested umbrella start date", "question": "What date should the umbrella quote use as the requested policy start date? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pum_notes", "label": "Anything else about the umbrella", "question": "Is there anything else Lee should know about the household, underlying policies, or liability exposures?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.3.sections.0.fields", "title": "About you", "scope": "Manufactured / Mobile Home", "flow_key": "personal_mfg_home", "handoff": false, "questions": [ { "key": "mh_client_dob", "label": "Your date of birth", "question": "What is your date of birth?", "help": "Date of birth is a standard rating and identity factor on a home policy.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_has_spouse", "label": "Spouse or co-applicant", "question": "Will a spouse or co-applicant be listed on the policy?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "spouse", "label": "Spouse / co-applicant details", "options": [] } } ] }, { "id": "flows.3.sections.1.fields", "title": "The home", "scope": "Manufactured / Mobile Home", "flow_key": "personal_mfg_home", "handoff": false, "questions": [ { "key": "mh_transaction", "label": "New purchase or existing home", "question": "Is this for a home you're buying, or one you already own?", "help": "", "type": "pills", "options": [ "New purchase", "Existing home" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_property_address", "label": "Home address", "question": "What is the address of the manufactured or mobile home to be insured?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_occupancy", "label": "How the home is used", "question": "Will this home be your primary residence, or a secondary / seasonal home?", "help": "Carriers use different policy forms for a primary home versus a seasonal or secondary one; getting this right keeps the coverage valid.", "type": "pills", "options": [ "Primary residence", "Secondary / seasonal" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_park_or_land", "label": "Park or private land", "question": "Is the home in a mobile-home park, or on land?", "help": "Whether you own the land changes what lot and liability coverage you need.", "type": "pills", "options": [ "In a mobile-home park (lot rent)", "On land I own", "On land I rent" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_years_at_home", "label": "Years in the home", "question": "How long have you lived in the home?", "help": "", "type": "number", "options": [], "required": false, "show_if": "New purchase or existing home is Existing home", "coverage_lines": [] }, { "key": "mh_shop_reason", "label": "Reason for shopping", "question": "What's prompting you to get a quote now?", "help": "", "type": "pills", "options": [ "Non-renewed by my current insurer", "Shopping for better rates", "New mortgage or refinance", "Other" ], "required": false, "show_if": "New purchase or existing home is Existing home", "coverage_lines": [] }, { "key": "mh_current_address", "label": "Your current address", "question": "What is your current residential address?", "help": "", "type": "address", "options": [], "required": false, "show_if": "New purchase or existing home is New purchase", "coverage_lines": [] } ] }, { "id": "flows.3.sections.2.fields", "title": "About the home", "scope": "Manufactured / Mobile Home", "flow_key": "personal_mfg_home", "handoff": false, "questions": [ { "key": "mh_home_type", "label": "Home type", "question": "Which best describes the home?", "help": "", "type": "pills", "options": [ "Single Wide", "Double Wide", "Triple Wide", "Park Model", "Fifth Wheel" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_year_built", "label": "Year built", "question": "What year was the home built?", "help": "Age drives eligibility and rate; older homes may need updated systems to qualify.", "type": "number", "options": [ "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_make_model", "label": "Make / model", "question": "What is the make and model of the home?", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_serial", "label": "Serial / HUD number", "question": "What is the serial number or HUD tag number? (Leave blank if you don't have it handy.)", "help": "Carriers and the HUD registry identify a manufactured home by its serial / HUD number.", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_sqft", "label": "Square footage", "question": "Approximately how many square feet is the home?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_dimensions", "label": "Length x width", "question": "What are the home's outside length and width, in feet?", "help": "", "type": "dimensions", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_foundation", "label": "How it's secured", "question": "How is the home installed or secured?", "help": "Anchoring / tie-downs affect wind eligibility and pricing.", "type": "pills", "options": [ "Permanent foundation", "Tie-downs / anchored", "Blocks & piers", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_coverage_amount", "label": "Insured value", "question": "About what amount would you like the home insured for (purchase price or replacement cost)?", "help": "This sets the dwelling limit used to rebuild or replace the home after a covered loss.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_roof_scope", "label": "Roof replacement", "question": "Has the roof been replaced, and if so was it a full or partial job?", "help": "This just helps us describe the roof accurately. A full replacement generally means the complete roof was replaced; a partial job generally means repairs or replacement of only a portion of it. Pick whichever is closest. It's fine if it predates your purchase or you're not sure.", "type": "pills", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure" ], "required": false, "show_if": "New purchase or existing home is Existing home", "coverage_lines": [] }, { "key": "mh_roof_year", "label": "Year of roof work", "question": "About what year was that roof work done? An approximate year is fine.", "help": "", "type": "number", "options": [ "Not sure" ], "required": false, "show_if": "Roof replacement is one of: Full replacement; Partial repair or replacement", "coverage_lines": [] }, { "key": "mh_update_electrical_scope", "label": "Electrical / wiring update", "question": "Has the wiring been updated, and if so was it a full or partial update?", "help": "This just helps us describe the wiring accurately. A full update generally means replacing all wiring, outlets, and the panel; a partial update generally means updates to some outlets or panel components only. Pick whichever is closest.", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "New purchase or existing home is Existing home", "coverage_lines": [] }, { "key": "mh_update_electrical_year", "label": "Year of electrical work", "question": "About what year was the electrical work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Electrical / wiring update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "mh_update_plumbing_scope", "label": "Plumbing update", "question": "Has the plumbing been updated, and if so was it a full or partial update?", "help": "This just helps us describe the plumbing accurately. A full update generally means replacing the plumbing in the kitchen and bathrooms; a partial update generally means replacing faucets, hoses, or smaller components. Pick whichever is closest.", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "New purchase or existing home is Existing home", "coverage_lines": [] }, { "key": "mh_update_plumbing_year", "label": "Year of plumbing work", "question": "About what year was the plumbing work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Plumbing update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "mh_update_heating_scope", "label": "Heating / cooling (HVAC) update", "question": "Has the heating or cooling (HVAC) been updated, and if so was it a full or partial update?", "help": "This just helps us describe the HVAC accurately. A full update generally means replacing the furnace, water heater, or HVAC units; a partial update generally means some new equipment but not a full system replacement. Pick whichever is closest.", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "New purchase or existing home is Existing home", "coverage_lines": [] }, { "key": "mh_update_heating_year", "label": "Year of heating / cooling work", "question": "About what year was the heating or cooling work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Heating / cooling (HVAC) update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "mh_updates", "label": "Other updates", "question": "Any other updates or renovations we should know about?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "New purchase or existing home is Existing home", "coverage_lines": [] }, { "key": "mh_prior_claims", "label": "Prior claims", "question": "Any current, ongoing, or past insurance claims or losses on this home in the past 5 years that you're aware of?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, and note whether it is still open or has been closed", "options": [] } } ] }, { "id": "flows.3.sections.3.fields", "title": "Home eligibility", "scope": "Manufactured / Mobile Home", "flow_key": "personal_mfg_home", "handoff": false, "questions": [ { "key": "mh_on_stilts", "label": "On stilts", "question": "Is the home raised up on stilts, posts, or open pilings?", "help": "A home elevated on stilts or open pilings is rated differently, and not every carrier will write one.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_condemned", "label": "Condemned", "question": "Has the home been condemned, or is it currently condemned?", "help": "Carriers ask this to confirm the home is safe and legal to occupy.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_no_utilities", "label": "Utilities connected", "question": "Is the home currently without utilities, meaning no electricity, water, or gas connected?", "help": "A home with the utilities shut off is treated differently from one that is lived in day to day.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_under_renovation", "label": "Under renovation", "question": "Is the home currently under renovation or construction?", "help": "Active construction changes the policy form and who is on the hook while the work is underway.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe the work and when you expect it to finish", "options": [] } }, { "key": "mh_business_on_premises", "label": "Business use", "question": "Is any business run out of the home or conducted on the premises, meaning it's used as a commercial risk rather than just a place to live?", "help": "A home used for business, even a small home-based one, adds liability and can be quoted on a different program than an owner-occupied residence.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe the business activity", "options": [] } }, { "key": "mh_titled_to_business", "label": "Titled to a business", "question": "Is the home titled in the name of a business or corporation?", "help": "Who holds title affects which program fits and who is named on the policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "Legal name of the business or corporation on title", "options": [] } }, { "key": "mh_unrepaired_damage", "label": "Unrepaired damage", "question": "Does the home or any attached structure have any damage that has not been repaired?", "help": "Existing unrepaired damage is usually excluded until it is fixed, so carriers ask about it up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe the damage and whether repairs are planned", "options": [] } }, { "key": "mh_liability_hazards", "label": "Liability hazards", "question": "Are there any hazardous liability exposures on the premises or in the home, such as a dog with a bite history, a trampoline, or a similar hazard?", "help": "These are the exposures carriers most often ask about before quoting the liability coverage.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each exposure", "options": [] } }, { "key": "mh_community_pool", "label": "Community pool", "question": "Does the mobile-home park or community have a swimming pool or hot tub?", "help": "Carriers rating a home inside a park ask which shared amenities the community has, so we note a park pool or hot tub either way. This one is about the park's own amenity, not anything on your lot.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Park or private land is In a mobile-home park (lot rent)", "coverage_lines": [] }, { "key": "mh_pool", "label": "Swimming pool", "question": "Is there a swimming pool or hot tub on the premises?", "help": "A pool or hot tub adds liability exposure. A fence with a self-closing, self-latching gate is a requirement for most of the carriers we work with; without one, we may be unable to find a market willing to offer a policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Park or private land is one of: On land I own; On land I rent", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Is it fully fenced with a self-closing, self-latching gate? Please also note any diving board or slide. If it is not fenced with a self-closing, self-latching gate, let us know whether one can be added, because most carriers require it and without it we likely will not have a market able to offer a policy.", "options": [] } } ] }, { "id": "flows.3.sections.4.fields", "title": "Heating, protection and insurance history", "scope": "Manufactured / Mobile Home", "flow_key": "personal_mfg_home", "handoff": false, "questions": [ { "key": "mh_heating_type", "label": "Heating type", "question": "What is the home's main source of heat?", "help": "A wood stove or portable space heater is rated differently from central heat, and carriers ask on every application.", "type": "pills", "options": [ "Forced air / central", "Heat pump", "Electric baseboard", "Wall or floor furnace", "Wood or pellet stove", "Portable space heaters", "None", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_protective_devices", "label": "Safety and security devices", "question": "Which of these does the home have?", "help": "Smoke detectors and monitored alarms generally earn credits.", "type": "multichips", "options": [ "Smoke detectors", "Central fire or smoke monitoring", "Burglar alarm (monitored)", "Deadbolt locks", "None of these" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_smoker", "label": "Smoking", "question": "Does anyone living in the home smoke?", "help": "Carriers ask this for fire rating. It does not decide eligibility on its own.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_currently_insured", "label": "Current insurance", "question": "Is the home insured right now?", "help": "", "type": "pills", "options": [ "Yes, it is insured now", "No, this is a new purchase", "No, the policy lapsed or was cancelled", "No, it has never been insured" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_current_carrier", "label": "Current insurer", "question": "Which company is the current policy with?", "help": "", "type": "text", "options": [ "AAA (Auto Club)", "Allstate", "American Family", "American Modern", "American Reliable", "Amica", "ASI", "Assurant", "Auto-Owners", "Chubb", "COUNTRY Financial", "Encompass", "Farm Bureau", "Farmers", "Foremost", "Homesite", "Liberty Mutual", "MetLife", "National General", "Nationwide", "Progressive", "Safeco", "State Farm", "Stillwater", "The Hartford", "Travelers", "USAA" ], "required": false, "show_if": "Current insurance is Yes, it is insured now", "coverage_lines": [] }, { "key": "mh_cancelled", "label": "Cancellations or non-renewals", "question": "In the past five years, has any insurer cancelled, declined, or non-renewed a home policy of yours, including for non-payment?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Which company, when, and the reason given", "options": [] } } ] }, { "id": "flows.3.sections.5.fields", "title": "Coverage & policy details", "scope": "Manufactured / Mobile Home", "flow_key": "personal_mfg_home", "handoff": false, "questions": [ { "key": "mh_effective_date", "label": "Effective / closing date", "question": "What date would you like the policy to begin? If you already have coverage, this is usually your current policy's renewal or cancellation date. If you're buying, it's the date you'll take ownership. You can also enter any other date, for example if you're switching mid-term. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_billing", "label": "Billing", "question": "Will the policy be billed to you directly, or paid through escrow by your lender?", "help": "", "type": "pills", "options": [ "I'll pay directly", "Escrow (lender pays)", "No lender" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_lender", "label": "Mortgagee / lender", "question": "Who is the lender or mortgagee on this home? Give the name, mailing address and loan number to list on the policy.", "help": "A lender named on the policy receives proof of coverage directly, which helps avoid force-placed insurance.", "type": "textarea", "options": [], "required": false, "show_if": "Billing is one of: I'll pay directly; Escrow (lender pays)", "coverage_lines": [] }, { "key": "mh_registration_doc", "label": "Registration / title", "question": "Optional: attach a copy of your manufactured-home registration or title.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mh_renewal_docs", "label": "Current / renewal policy", "question": "Optional: attach your current policy declarations or renewal documents.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Reason for shopping is one of: Non-renewed by my current insurer; Shopping for better rates", "coverage_lines": [] }, { "key": "mh_notes", "label": "Anything else", "question": "Is there anything else I should know or be aware of?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.4.sections.0.fields", "title": "Your rental", "scope": "Renters Insurance", "flow_key": "personal_renters", "handoff": false, "questions": [ { "key": "renters_address", "label": "Rental address", "question": "What is the address of the home or apartment you rent?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.6.sections.0.fields", "title": "About you", "scope": "Motorcycle, ATV, Golf Cart, or Snowmobile", "flow_key": "personal_motorcycle", "handoff": false, "questions": [ { "key": "mc_applicant_dob", "label": "Your date of birth", "question": "What is your date of birth?", "help": "Date of birth is a standard rating and identity factor on a vehicle policy.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mc_marital_status", "label": "Marital status", "question": "What is your marital status?", "help": "Carriers rate on it. Any answer is fine.", "type": "pills", "options": [ "Single", "Married", "Divorced", "Separated", "Widowed" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mc_mailing_address", "label": "Mailing address", "question": "What is your home mailing address?", "help": "Where the policy documents are sent. If any of your vehicles are kept somewhere else, you can say so on each one.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mc_co_owner", "label": "Anyone else on the title", "question": "Are any of the vehicles titled to a second person, a business, or a trust as well as you?", "help": "Everyone on the title is generally named on the policy so a claim payment reaches the right owner.", "type": "pills", "options": [ "Just me", "A second person (spouse, partner, or family member)", "A business", "A trust" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mc_co_owner_name", "label": "Co-owner name", "question": "What is the full name of the other person, business, or trust on the title? Add a date of birth for a person.", "help": "", "type": "text", "options": [], "required": false, "show_if": "Anyone else on the title is one of: A second person (spouse, partner, or family member); A business; A trust", "coverage_lines": [] } ] }, { "id": "flows.6.sections.1.fields", "title": "Riders and drivers", "scope": "Motorcycle, ATV, Golf Cart, or Snowmobile", "flow_key": "personal_motorcycle", "handoff": false, "questions": [ { "key": "mc_operators", "label": "Who rides or drives", "question": "Add everyone in the household who rides or drives any of these vehicles, starting with yourself.", "help": "Every regular operator is rated and listed on the policy. Someone who never operates them does not need to be added.", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "sex", "label": "Sex as shown on the driver's license", "type": "pills", "options": [ "Female", "Male", "X" ] }, { "key": "license_state", "label": "State that issued the driver's license", "type": "text", "options": [] }, { "key": "license_status", "label": "License status", "type": "pills", "options": [ "Valid", "Learner's permit", "Expired", "Suspended or revoked", "Never licensed" ] }, { "key": "age_first_licensed", "label": "Age when first licensed to drive", "type": "number", "options": [] }, { "key": "years_riding", "label": "Years of riding experience (street or off-road)", "type": "number", "options": [] }, { "key": "endorsement", "label": "Motorcycle endorsement on the license?", "type": "yesno", "options": [] }, { "key": "safety_course", "label": "Completed a motorcycle or off-road safety course?", "type": "yesno", "options": [] }, { "key": "incidents", "label": "Violations or accidents in the past 3 years", "type": "multichips", "options": [ "None", "Minor violation (speeding, etc.)", "Major violation (DUI, reckless driving, etc.)", "At-fault accident", "Not-at-fault accident" ] } ] } ] }, { "id": "flows.6.sections.2.fields", "title": "Your vehicles", "scope": "Motorcycle, ATV, Golf Cart, or Snowmobile", "flow_key": "personal_motorcycle", "handoff": false, "questions": [ { "key": "mc_units", "label": "Vehicles to insure", "question": "Add each vehicle to insure.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "unit_type", "label": "Type", "type": "pills", "options": [ "Motorcycle (street)", "Trike or three-wheeler", "Scooter or moped", "Off-road or dirt bike", "ATV (four-wheeler)", "UTV or side-by-side", "Dune buggy or sand rail", "Golf cart", "Low-speed vehicle", "Snowmobile" ] }, { "key": "road_licensed", "label": "Licensed and plated for road use?", "type": "yesno", "options": [] }, { "key": "model_year", "label": "Model year", "type": "number", "options": [] }, { "key": "make", "label": "Make (Harley-Davidson, Polaris, Honda, ...)", "type": "text", "options": [] }, { "key": "model", "label": "Model", "type": "text", "options": [] }, { "key": "vin", "label": "VIN (leave blank if you do not have it handy)", "type": "text", "options": [] }, { "key": "engine_cc", "label": "Engine size in cc (approximate is fine)", "type": "number", "options": [] }, { "key": "custom_built", "label": "Custom built or heavily modified?", "type": "yesno", "options": [] }, { "key": "turbo", "label": "Turbocharged or supercharged?", "type": "yesno", "options": [] }, { "key": "year_purchased", "label": "Year you bought it", "type": "number", "options": [] }, { "key": "value", "label": "Current value", "type": "money", "options": [] }, { "key": "accessories_value", "label": "Value of custom parts and accessories (0 if none)", "type": "money", "options": [] }, { "key": "use", "label": "How it is used", "type": "pills", "options": [ "Pleasure / recreation", "Commuting to work or school", "Business use" ] }, { "key": "features", "label": "Safety and theft features", "type": "multichips", "options": [ "Anti-lock brakes", "Seat belts", "Theft prevention device (alarm, disc lock)", "Theft recovery device (GPS tracker)", "Helmet brake light", "None of these" ] }, { "key": "months_stored", "label": "Months per year it sits stored or unused (0 to 12)", "type": "number", "options": [] }, { "key": "garaged_locked", "label": "Kept in a fully enclosed, locked garage or structure?", "type": "yesno", "options": [] }, { "key": "stored_same_address", "label": "Kept at your mailing address when not in use?", "type": "yesno", "options": [] }, { "key": "stored_address", "label": "Where it is kept (address)", "type": "address", "options": [] }, { "key": "financed", "label": "Is there a loan or lease on this vehicle?", "type": "yesno", "options": [] }, { "key": "lienholder", "label": "Lender or leasing company name", "type": "text", "options": [] } ] } ] }, { "id": "flows.6.sections.3.fields", "title": "Insurance history", "scope": "Motorcycle, ATV, Golf Cart, or Snowmobile", "flow_key": "personal_motorcycle", "handoff": false, "questions": [ { "key": "mc_currently_insured", "label": "Current insurance", "question": "Are the vehicles insured right now?", "help": "", "type": "pills", "options": [ "Yes, with another company", "No, this is a new purchase", "No, coverage lapsed or was cancelled", "No, it has never been insured" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mc_current_carrier", "label": "Current insurer", "question": "Which company is the current policy with?", "help": "", "type": "text", "options": [ "AAA (Auto Club)", "Allstate", "American Family", "American Modern", "American Reliable", "Amica", "ASI", "Assurant", "Auto-Owners", "Chubb", "COUNTRY Financial", "Encompass", "Farm Bureau", "Farmers", "Foremost", "Homesite", "Liberty Mutual", "MetLife", "National General", "Nationwide", "Progressive", "Safeco", "State Farm", "Stillwater", "The Hartford", "Travelers", "USAA" ], "required": false, "show_if": "Current insurance is Yes, with another company", "coverage_lines": [] }, { "key": "mc_prior_claims", "label": "Claims and losses", "question": "In the past 3 years, have you or anyone who operates the vehicles had a claim, accident, or loss involving any of them?", "help": "Every carrier asks this. A past claim rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe each one, with the approximate date and whether it is open or closed", "options": [] } } ] }, { "id": "flows.6.sections.4.fields", "title": "Continuous coverage", "scope": "Motorcycle, ATV, Golf Cart, or Snowmobile", "flow_key": "personal_motorcycle", "handoff": false, "questions": [ { "key": "mc_continuous_6mo", "label": "Prior coverage", "question": "Have you carried insurance on a motorcycle or off-road vehicle continuously for the past six months?", "help": "Continuous prior coverage earns a credit with many carriers. No is a normal answer for a first bike.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.6.sections.5.fields", "title": "Coverage & policy details", "scope": "Motorcycle, ATV, Golf Cart, or Snowmobile", "flow_key": "personal_motorcycle", "handoff": false, "questions": [ { "key": "mc_effective_date", "label": "Start date", "question": "What date would you like the policy to begin? If you already have coverage, this is usually your renewal or cancellation date. If you are buying, it is the day you take delivery. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mc_coverage_want", "label": "Level of coverage", "question": "For the vehicles, are you looking for liability only, or full coverage that also pays for damage to your own unit?", "help": "Liability only covers injury or damage you cause to others. Full coverage generally adds comprehensive and collision for the unit itself, subject to the policy wording. A lender usually asks for full coverage on a financed unit.", "type": "pills", "options": [ "Liability only", "Full coverage (comprehensive and collision too)", "Not sure, please advise" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mc_current_policy_docs", "label": "Current policy", "question": "Optional: attach your current declarations page or renewal notice.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Current insurance is Yes, with another company", "coverage_lines": [] }, { "key": "mc_notes", "label": "Anything else", "question": "Is there anything else Lee should know?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.7.sections.0.fields", "title": "What you are insuring", "scope": "Motor Home or Travel Trailer", "flow_key": "personal_rv", "handoff": false, "questions": [ { "key": "rv_kind", "label": "Motor home or trailer", "question": "Is this a motor home you drive, a trailer you tow, or both?", "help": "A motor home is rated on its drivers like a car. A towed trailer has no driver questions of its own.", "type": "pills", "options": [ "Motor home (you drive it)", "Travel trailer, fifth wheel, or camper (you tow it)", "Both" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.7.sections.1.fields", "title": "About you", "scope": "Motor Home or Travel Trailer", "flow_key": "personal_rv", "handoff": false, "questions": [ { "key": "rv_applicant_dob", "label": "Your date of birth", "question": "What is your date of birth?", "help": "Date of birth is a standard rating and identity factor on a vehicle policy.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_marital_status", "label": "Marital status", "question": "What is your marital status?", "help": "Carriers rate on it. Any answer is fine.", "type": "pills", "options": [ "Single", "Married", "Divorced", "Separated", "Widowed" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_mailing_address", "label": "Mailing address", "question": "What is your home mailing address?", "help": "Where the policy documents are sent. If any of your RVs are kept somewhere else, you can say so on each one.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_co_owner", "label": "Anyone else on the title", "question": "Are any of the RVs titled to a second person, a business, or a trust as well as you?", "help": "Everyone on the title is generally named on the policy so a claim payment reaches the right owner.", "type": "pills", "options": [ "Just me", "A second person (spouse, partner, or family member)", "A business", "A trust" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_co_owner_name", "label": "Co-owner name", "question": "What is the full name of the other person, business, or trust on the title? Add a date of birth for a person.", "help": "", "type": "text", "options": [], "required": false, "show_if": "Anyone else on the title is one of: A second person (spouse, partner, or family member); A business; A trust", "coverage_lines": [] } ] }, { "id": "flows.7.sections.2.fields", "title": "Drivers", "scope": "Motor Home or Travel Trailer", "flow_key": "personal_rv", "handoff": false, "questions": [ { "key": "rv_operators", "label": "Who drives the motor home", "question": "Add everyone who drives the motor home, starting with yourself.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "Motor home or trailer is one of: Motor home (you drive it); Both", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "sex", "label": "Sex as shown on the driver's license", "type": "pills", "options": [ "Female", "Male", "X" ] }, { "key": "license_state", "label": "State that issued the driver's license", "type": "text", "options": [] }, { "key": "license_status", "label": "License status", "type": "pills", "options": [ "Valid", "Learner's permit", "Expired", "Suspended or revoked", "Never licensed" ] }, { "key": "years_rv", "label": "Years of experience driving a motor home", "type": "number", "options": [] }, { "key": "safety_course", "label": "Completed an RV driving or safety course?", "type": "yesno", "options": [] }, { "key": "incidents", "label": "Violations or accidents in the past 3 years", "type": "multichips", "options": [ "None", "Minor violation (speeding, etc.)", "Major violation (DUI, reckless driving, etc.)", "At-fault accident", "Not-at-fault accident" ] } ] } ] }, { "id": "flows.7.sections.3.fields", "title": "Your RVs", "scope": "Motor Home or Travel Trailer", "flow_key": "personal_rv", "handoff": false, "questions": [ { "key": "rv_units", "label": "RVs and trailers to insure", "question": "Add each motor home or trailer to insure.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "unit_type", "label": "Type", "type": "pills", "options": [ "Class A motor home", "Class B motor home (camper van)", "Class C motor home", "Travel trailer", "Fifth wheel", "Toy hauler or sport-utility trailer", "Pop-up or tent camper", "Truck camper", "Tiny house on wheels", "Utility trailer", "Horse or livestock trailer", "Other" ] }, { "key": "model_year", "label": "Model year", "type": "number", "options": [] }, { "key": "make", "label": "Manufacturer (Winnebago, Forest River, Jayco, ...)", "type": "text", "options": [] }, { "key": "model", "label": "Model", "type": "text", "options": [] }, { "key": "vin", "label": "VIN (leave blank if you do not have it handy)", "type": "text", "options": [] }, { "key": "length_ft", "label": "Length in feet", "type": "number", "options": [] }, { "key": "use", "label": "How it is used", "type": "pills", "options": [ "Pleasure / recreation", "Full-time residence, on the move", "Full-time residence, parked in one place", "Parked seasonally in one place", "Other" ] }, { "key": "purchase_date", "label": "When you bought it (month and year)", "type": "text", "options": [] }, { "key": "purchase_price", "label": "Purchase price", "type": "money", "options": [] }, { "key": "market_value", "label": "Current market value", "type": "money", "options": [] }, { "key": "safety", "label": "Safety equipment", "type": "multichips", "options": [ "Airbags", "Anti-lock brakes", "None of these" ] }, { "key": "unrepaired_damage", "label": "Any unrepaired damage?", "type": "yesno", "options": [] }, { "key": "storage", "label": "Where it is kept when not in use", "type": "pills", "options": [ "At my home, inside a garage or covered structure", "At my home, outside", "A storage facility, inside", "A storage facility, outside", "Somewhere else" ] }, { "key": "in_park", "label": "Kept in an RV park or campground?", "type": "yesno", "options": [] }, { "key": "stored_same_address", "label": "Kept at your mailing address when not in use?", "type": "yesno", "options": [] }, { "key": "stored_address", "label": "Where it is kept (address)", "type": "address", "options": [] }, { "key": "financed", "label": "Is there a loan or lease on this unit?", "type": "yesno", "options": [] }, { "key": "lienholder", "label": "Lender or leasing company name", "type": "text", "options": [] } ] } ] }, { "id": "flows.7.sections.4.fields", "title": "Insurance history", "scope": "Motor Home or Travel Trailer", "flow_key": "personal_rv", "handoff": false, "questions": [ { "key": "rv_currently_insured", "label": "Current insurance", "question": "Are the RVs insured right now?", "help": "", "type": "pills", "options": [ "Yes, with another company", "No, this is a new purchase", "No, coverage lapsed or was cancelled", "No, it has never been insured" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_current_carrier", "label": "Current insurer", "question": "Which company is the current policy with?", "help": "", "type": "text", "options": [ "AAA (Auto Club)", "Allstate", "American Family", "American Modern", "American Reliable", "Amica", "ASI", "Assurant", "Auto-Owners", "Chubb", "COUNTRY Financial", "Encompass", "Farm Bureau", "Farmers", "Foremost", "Homesite", "Liberty Mutual", "MetLife", "National General", "Nationwide", "Progressive", "Safeco", "State Farm", "Stillwater", "The Hartford", "Travelers", "USAA" ], "required": false, "show_if": "Current insurance is Yes, with another company", "coverage_lines": [] }, { "key": "rv_prior_claims", "label": "Claims and losses", "question": "In the past 3 years, have you or anyone who operates the RVs had a claim, accident, or loss involving any of them?", "help": "Every carrier asks this. A past claim rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe each one, with the approximate date and whether it is open or closed", "options": [] } } ] }, { "id": "flows.7.sections.5.fields", "title": "Coverage & policy details", "scope": "Motor Home or Travel Trailer", "flow_key": "personal_rv", "handoff": false, "questions": [ { "key": "rv_effective_date", "label": "Start date", "question": "What date would you like the policy to begin? If you already have coverage, this is usually your renewal or cancellation date. If you are buying, it is the day you take delivery. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_coverage_want", "label": "Level of coverage", "question": "For the RVs, are you looking for liability only, or full coverage that also pays for damage to your own unit?", "help": "Liability only covers injury or damage you cause to others. Full coverage generally adds comprehensive and collision for the unit itself, subject to the policy wording. A lender usually asks for full coverage on a financed unit.", "type": "pills", "options": [ "Liability only", "Full coverage (comprehensive and collision too)", "Not sure, please advise" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_contents_value", "label": "Belongings inside", "question": "Roughly what are the personal belongings kept in the RV worth?", "help": "Clothing, electronics, camping gear and kitchen items are generally covered separately from the unit itself, up to the amount chosen, subject to the policy wording.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rv_current_policy_docs", "label": "Current policy", "question": "Optional: attach your current declarations page or renewal notice.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Current insurance is Yes, with another company", "coverage_lines": [] }, { "key": "rv_notes", "label": "Anything else", "question": "Is there anything else Lee should know?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.8.sections.0.fields", "title": "About you", "scope": "Boat or Watercraft", "flow_key": "personal_watercraft", "handoff": false, "questions": [ { "key": "bt_applicant_dob", "label": "Your date of birth", "question": "What is your date of birth?", "help": "Date of birth is a standard rating and identity factor on a vehicle policy.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_marital_status", "label": "Marital status", "question": "What is your marital status?", "help": "Carriers rate on it. Any answer is fine.", "type": "pills", "options": [ "Single", "Married", "Divorced", "Separated", "Widowed" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_mailing_address", "label": "Mailing address", "question": "What is your home mailing address?", "help": "Where the policy documents are sent. If any of your boats are kept somewhere else, you can say so on each one.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_co_owner", "label": "Anyone else on the title", "question": "Are any of the boats titled to a second person, a business, or a trust as well as you?", "help": "Everyone on the title is generally named on the policy so a claim payment reaches the right owner.", "type": "pills", "options": [ "Just me", "A second person (spouse, partner, or family member)", "A business", "A trust" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_co_owner_name", "label": "Co-owner name", "question": "What is the full name of the other person, business, or trust on the title? Add a date of birth for a person.", "help": "", "type": "text", "options": [], "required": false, "show_if": "Anyone else on the title is one of: A second person (spouse, partner, or family member); A business; A trust", "coverage_lines": [] }, { "key": "bt_corp_tax_only", "label": "Corporate ownership", "question": "Is a boat owned in a corporation's name for tax purposes only, while you use it personally?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Anyone else on the title is A business", "coverage_lines": [] } ] }, { "id": "flows.8.sections.1.fields", "title": "Operators", "scope": "Boat or Watercraft", "flow_key": "personal_watercraft", "handoff": false, "questions": [ { "key": "bt_operators", "label": "Who operates the boat", "question": "Add everyone who operates any of the boats, starting with yourself.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "name", "label": "Full name", "type": "text", "options": [] }, { "key": "dob", "label": "Date of birth", "type": "date", "options": [] }, { "key": "years_boating", "label": "Years of experience operating a boat", "type": "number", "options": [] }, { "key": "safety_course", "label": "Completed a boating safety course?", "type": "yesno", "options": [] }, { "key": "incidents", "label": "Violations or accidents in the past 3 years", "type": "multichips", "options": [ "None", "Minor violation (speeding, etc.)", "Major violation (DUI, reckless driving, etc.)", "At-fault accident", "Not-at-fault accident" ] } ] } ] }, { "id": "flows.8.sections.2.fields", "title": "Your boats", "scope": "Boat or Watercraft", "flow_key": "personal_watercraft", "handoff": false, "questions": [ { "key": "bt_units", "label": "Boats to insure", "question": "Add each boat or watercraft to insure.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "subfields": [ { "key": "boat_type", "label": "Type", "type": "pills", "options": [ "Runabout or bowrider", "Fishing boat", "Bass boat", "Pontoon", "Personal watercraft (jet ski)", "Wake or ski boat", "Sailboat", "Cabin cruiser or yacht", "Inflatable or dinghy", "Other" ] }, { "key": "model_year", "label": "Model year", "type": "number", "options": [] }, { "key": "make", "label": "Manufacturer (Sea Ray, Tracker, Yamaha, ...)", "type": "text", "options": [] }, { "key": "model", "label": "Model", "type": "text", "options": [] }, { "key": "hin", "label": "Hull ID number (leave blank if not handy)", "type": "text", "options": [] }, { "key": "length_ft", "label": "Length in feet", "type": "number", "options": [] }, { "key": "hull", "label": "Hull material", "type": "pills", "options": [ "Fiberglass", "Aluminum", "Composite", "Fiberglass over wood", "Wood", "Steel", "Other" ] }, { "key": "power", "label": "Engine type", "type": "pills", "options": [ "Outboard", "Inboard", "Inboard / outdrive (sterndrive)", "Jet drive", "Sail", "No engine" ] }, { "key": "fuel", "label": "Fuel", "type": "pills", "options": [ "Gas", "Diesel", "Electric", "No engine" ] }, { "key": "engine_count", "label": "Number of main engines (not trolling motors)", "type": "number", "options": [] }, { "key": "horsepower", "label": "Horsepower per main engine", "type": "number", "options": [] }, { "key": "max_speed", "label": "Top speed in mph (approximate)", "type": "number", "options": [] }, { "key": "value", "label": "Value of the boat including engines, not the trailer", "type": "money", "options": [] }, { "key": "navigation", "label": "Where it is used", "type": "pills", "options": [ "Inland lakes and rivers in Arizona only", "Inland waters anywhere in the U.S.", "Coastal waters, within 75 miles of where it is kept", "Coastal waters anywhere in the U.S." ] }, { "key": "protective", "label": "Protective devices", "type": "multichips", "options": [ "Alarm system (high water, fire, or theft)", "Central station monitoring", "Theft recovery (GPS tracker)", "Automatic fire extinguishing system", "None of these" ] }, { "key": "existing_damage", "label": "Any existing damage?", "type": "yesno", "options": [] }, { "key": "laid_up", "label": "Out of the water at least three months a year?", "type": "yesno", "options": [] }, { "key": "special_use", "label": "Used as a residence, for business, for racing or speed contests, or under construction?", "type": "yesno", "options": [] }, { "key": "storage", "label": "Where it is kept", "type": "pills", "options": [ "At my home", "A marina, in the water", "A marina, dry storage or rack", "A self-storage facility", "Somewhere else" ] }, { "key": "storage_security", "label": "Security where it is kept", "type": "multichips", "options": [ "Locked or gated access", "Fenced area", "Lighted area", "Security cameras", "Security guard or patrol", "None of these" ] }, { "key": "has_trailer", "label": "Insure a trailer with it?", "type": "yesno", "options": [] }, { "key": "trailer_desc", "label": "Trailer year and make", "type": "text", "options": [] }, { "key": "trailer_value", "label": "Trailer value", "type": "money", "options": [] }, { "key": "stored_same_address", "label": "Kept at your mailing address when not in use?", "type": "yesno", "options": [] }, { "key": "stored_address", "label": "Where it is kept (address)", "type": "address", "options": [] }, { "key": "financed", "label": "Is there a loan or lease on this boat?", "type": "yesno", "options": [] }, { "key": "lienholder", "label": "Lender or leasing company name", "type": "text", "options": [] } ] } ] }, { "id": "flows.8.sections.3.fields", "title": "Insurance history", "scope": "Boat or Watercraft", "flow_key": "personal_watercraft", "handoff": false, "questions": [ { "key": "bt_currently_insured", "label": "Current insurance", "question": "Are the boats insured right now?", "help": "", "type": "pills", "options": [ "Yes, with another company", "No, this is a new purchase", "No, coverage lapsed or was cancelled", "No, it has never been insured" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_current_carrier", "label": "Current insurer", "question": "Which company is the current policy with?", "help": "", "type": "text", "options": [ "AAA (Auto Club)", "Allstate", "American Family", "American Modern", "American Reliable", "Amica", "ASI", "Assurant", "Auto-Owners", "Chubb", "COUNTRY Financial", "Encompass", "Farm Bureau", "Farmers", "Foremost", "Homesite", "Liberty Mutual", "MetLife", "National General", "Nationwide", "Progressive", "Safeco", "State Farm", "Stillwater", "The Hartford", "Travelers", "USAA" ], "required": false, "show_if": "Current insurance is Yes, with another company", "coverage_lines": [] }, { "key": "bt_prior_claims", "label": "Claims and losses", "question": "In the past 3 years, have you or anyone who operates the boats had a claim, accident, or loss involving any of them?", "help": "Every carrier asks this. A past claim rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe each one, with the approximate date and whether it is open or closed", "options": [] } } ] }, { "id": "flows.8.sections.4.fields", "title": "Prior coverage", "scope": "Boat or Watercraft", "flow_key": "personal_watercraft", "handoff": false, "questions": [ { "key": "bt_prior_12mo", "label": "Prior boat insurance", "question": "Have you had boat insurance continuously for the past 12 months?", "help": "Prior coverage earns a credit with many carriers. No is a normal answer for a first boat.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_nonpay_cancellations", "label": "Cancellations for non-payment", "question": "In the past five years, have three or more insurance policies of any kind been cancelled for non-payment?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Briefly, what happened", "options": [] } } ] }, { "id": "flows.8.sections.5.fields", "title": "Coverage & policy details", "scope": "Boat or Watercraft", "flow_key": "personal_watercraft", "handoff": false, "questions": [ { "key": "bt_effective_date", "label": "Start date", "question": "What date would you like the policy to begin? If you already have coverage, this is usually your renewal or cancellation date. If you are buying, it is the day you take delivery. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_coverage_want", "label": "Level of coverage", "question": "For the boats, are you looking for liability only, or full coverage that also pays for damage to your own unit?", "help": "Liability only covers injury or damage you cause to others. Full coverage generally adds comprehensive and collision for the unit itself, subject to the policy wording. A lender usually asks for full coverage on a financed unit.", "type": "pills", "options": [ "Liability only", "Full coverage (comprehensive and collision too)", "Not sure, please advise" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_contents_value", "label": "Gear on board", "question": "Roughly what are the fishing gear, electronics, water toys and other personal items kept on board worth?", "help": "", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bt_current_policy_docs", "label": "Current policy", "question": "Optional: attach your current declarations page or renewal notice.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Current insurance is Yes, with another company", "coverage_lines": [] }, { "key": "bt_notes", "label": "Anything else", "question": "Is there anything else Lee should know?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.0.fields", "title": "Property information", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_property_address", "label": "Property address", "question": "What is the full address of the rental property?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_multi_property", "label": "One property or several", "question": "Are you looking to quote just this one rental property, or more than one? Properties titled to different people or LLCs are fine. This form covers up to 7 properties, and you'll add each one after finishing this first property. If you have 8 or more, choose that option to upload your property list instead.", "help": "Knowing this up front shapes the rest of the questionnaire. You'll answer the full set of questions for this first property, then add each additional property with a shorter per-property card, reusing owners and other details you've already entered instead of retyping them.", "type": "pills", "options": [ "Just this one property", "More than one property", "8 or more properties" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_ownership", "label": "Named insured / ownership", "question": "Is this property titled under you personally, an LLC, or another entity? Give the exact legal name that should appear on the policy as the primary named insured for THIS property. If you own other properties under different names, no problem, you can flag each one as you add it below.", "help": "The primary named insured is who the policy protects, so it needs to match how the property is titled. If the title is in an LLC but the policy names you personally, a claim can be denied.", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_transaction", "label": "Buying or already own", "question": "Is this a property you're buying now (under contract or closing soon), or one you already own?", "help": "A purchase is quoted to begin at closing, with the contract price as the value basis and no claims history expected from you. A property you already own is quoted on its current occupancy, condition, and insurance history.", "type": "pills", "options": [ "Buying it now (under contract / closing soon)", "I already own it" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.1.fields", "title": "Property details", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_property_type", "label": "Property type", "question": "What type of property is it?", "help": "The number of units and property type change how the policy is rated and which carriers will write it.", "type": "pills", "options": [ "Single-family home", "Condo", "Townhouse", "Duplex", "Triplex", "Fourplex", "Apartment (5+ units)", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_year_built", "label": "Year built", "question": "What year was the home built? An approximate year is fine.", "help": "Age and roof/system updates are primary rating factors.", "type": "number", "options": [ "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_sqft", "label": "Square footage", "question": "What is the total living area of the home in square feet?", "help": "Square footage drives the rebuild-cost estimate that sets your dwelling limit.", "type": "number", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_stories", "label": "Number of stories", "question": "How many stories is the building?", "help": "", "type": "number", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_units", "label": "Number of units", "question": "How many separate rental units are in the building? Enter 1 for a single family home.", "help": "The unit count determines which policy form and carriers fit the property.", "type": "number", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.2.fields", "title": "Layout and construction", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_full_baths", "label": "Full bathrooms", "question": "How many full bathrooms does the home have?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_half_baths", "label": "Half bathrooms", "question": "How many half bathrooms?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_construction", "label": "Construction type", "question": "How are the outside walls built?", "help": "Construction class is a primary rating factor and appears on the carrier application.", "type": "pills", "options": [ "Frame (wood)", "Masonry / brick", "Concrete block", "Steel / metal", "Fire resistive (concrete)", "Mixed: part masonry, part frame", "Other / not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_masonry_share", "label": "Rental masonry wall share", "question": "About how much of the outside walls is masonry or block?", "help": "", "type": "pills", "options": [ "Most of it", "About half", "Less than half", "Not sure" ], "required": false, "show_if": "Construction type is Mixed: part masonry, part frame", "coverage_lines": [] }, { "key": "hr_roof_floor_framing", "label": "Rental roof and floor framing", "question": "What are the roof and upper floors built on?", "help": "Masonry walls with a wood-framed roof are rated differently from an all-masonry building.", "type": "pills", "options": [ "Wood framing or rafters", "Concrete or steel deck", "Not sure" ], "required": false, "show_if": "Construction type is one of: Masonry / brick; Concrete block; Mixed: part masonry, part frame", "coverage_lines": [] }, { "key": "hr_exterior_walls", "label": "Exterior walls", "question": "What are the exterior walls made of?", "help": "", "type": "pills", "options": [ "Vinyl siding", "Wood siding", "Stucco", "Brick or stone", "Fiber cement", "Metal", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_roof_material", "label": "Roof material", "question": "What material is the roof?", "help": "Roof material and age drive wind and hail eligibility and pricing.", "type": "pills", "options": [ "Asphalt shingle", "Tile (clay or concrete)", "Metal", "Wood shake", "Flat / built-up", "Other", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.3.fields", "title": "Foundation, systems and safety", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_foundation", "label": "Foundation", "question": "What type of foundation does the home sit on?", "help": "", "type": "pills", "options": [ "Slab", "Crawl space", "Basement (full or partial)", "Pier and beam", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_heating_type", "label": "Heating type", "question": "How is the home heated?", "help": "", "type": "pills", "options": [ "Forced air / central", "Heat pump", "Electric baseboard", "Boiler / radiator", "Wall or floor furnace", "None", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_pool", "label": "Pool or trampoline", "question": "Is there a swimming pool, hot tub, or trampoline at the property itself? A shared community or HOA amenity doesn't count here, only one on the property you're insuring.", "help": "Pools and trampolines add liability exposure carriers ask about up front. We're only asking about the property you're insuring, so answer No if the only pool or hot tub is a shared community or HOA amenity.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_pool_fenced", "label": "Pool fencing", "question": "If there's a swimming pool, is it fully fenced with a self-closing, self-latching gate?", "help": "A pool enclosed by a fence with a self-closing, self-latching gate is a common carrier requirement and can decide whether a home is eligible.", "type": "pills", "options": [ "Yes, fully fenced with a self-closing, self-latching gate", "Fenced, but the gate is not self-closing or self-latching", "Not fully fenced", "No pool (hot tub or trampoline only)" ], "required": false, "show_if": "Pool or trampoline is Yes", "coverage_lines": [] }, { "key": "hr_property_condition", "label": "Interior condition", "question": "How would you describe the interior condition?", "help": "Updated roof, plumbing, and electrical qualify for better rates and avoid surprises at inspection.", "type": "pills", "options": [ "Fully remodeled", "Average", "Needs updates" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.4.fields", "title": "Protection and updates", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_roof_shape", "label": "Roof shape", "question": "What shape is the roof?", "help": "", "type": "pills", "options": [ "Gable (peaked)", "Hip", "Flat", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_roof_scope", "label": "Roof replacement", "question": "Has the roof been replaced, and if so was it a full or partial job?", "help": "This just helps us describe the roof accurately. A full replacement generally means the complete roof was replaced; a partial job generally means repairs or replacement of only a portion of the roof. Pick whichever is closest. It's fine if it predates your purchase or you're not sure. If this is a condo and the association maintains the roof, pick that instead.", "type": "pills", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure", "The HOA maintains it" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_roof_year", "label": "Year of roof work", "question": "About what year was that roof work done? An approximate year is fine.", "help": "", "type": "number", "options": [ "Not sure" ], "required": false, "show_if": "Roof replacement is one of: Full replacement; Partial repair or replacement", "coverage_lines": [] }, { "key": "hr_update_electrical_scope", "label": "Electrical / wiring update", "question": "Has the wiring been updated, and if so was it a full or partial update?", "help": "This just helps us describe the wiring accurately. A full update generally means replacing all wiring, outlets, and the circuit panel; a partial update generally means updates to some outlets or panel components only. Pick whichever is closest.", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Year built is unknown or is at least 25 calendar years ago", "coverage_lines": [] }, { "key": "hr_update_electrical_year", "label": "Year of electrical work", "question": "About what year was the electrical work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Electrical / wiring update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "hr_update_plumbing_scope", "label": "Plumbing update", "question": "Has the plumbing been updated, and if so was it a full or partial update?", "help": "This just helps us describe the plumbing accurately. A full update generally means replacing the plumbing in the kitchens and bathrooms; a partial update generally means replacing faucets, hoses, or smaller components. Pick whichever is closest.", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Year built is unknown or is at least 25 calendar years ago", "coverage_lines": [] }, { "key": "hr_update_plumbing_year", "label": "Year of plumbing work", "question": "About what year was the plumbing work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Plumbing update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "hr_update_heating_scope", "label": "Heating / cooling (HVAC) update", "question": "Has the heating or cooling (HVAC) been updated, and if so was it a full or partial update?", "help": "This just helps us describe the HVAC accurately. A full update generally means replacing the furnace, water heater, or HVAC units; a partial update generally means some new equipment but not a full system replacement. Pick whichever is closest.", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_update_heating_year", "label": "Year of heating / cooling work", "question": "About what year was the heating or cooling work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Heating / cooling (HVAC) update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "hr_protective_devices", "label": "Protective devices", "question": "Which of these does the property have?", "help": "Alarms and sprinklers can qualify for protective-device credits.", "type": "multichips", "options": [ "Smoke detectors", "Central fire or smoke monitoring", "Fire sprinkler system", "Burglar alarm (monitored)", "Deadbolt locks", "None of these" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_purchase_date", "label": "Purchase date", "question": "When did you purchase the property?", "help": "", "type": "date", "options": [], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "hr_purchase_price", "label": "Purchase price", "question": "Roughly what did you pay for the property?", "help": "", "type": "money", "options": [], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "hr_closing_date", "label": "Expected closing date", "question": "When is the closing expected? Coverage is typically set to begin on the closing date.", "help": "", "type": "date", "options": [], "required": false, "show_if": "Buying or already own is Buying it now (under contract / closing soon)", "coverage_lines": [] }, { "key": "hr_contract_price", "label": "Contract price", "question": "Roughly what is the contract (purchase) price?", "help": "The contract price helps sanity-check the rebuild value the dwelling limit is based on.", "type": "money", "options": [], "required": false, "show_if": "Buying or already own is Buying it now (under contract / closing soon)", "coverage_lines": [] }, { "key": "hr_updates", "label": "Other updates", "question": "Any other updates or renovations we should know about?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.5.fields", "title": "Upkeep and servicing", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_maintenance_model", "label": "Maintenance and repairs", "question": "When something needs fixing at this property, how does it usually get handled?", "help": "Carriers look at how quickly a problem gets attention, because a small leak found the same day is generally a smaller claim than one found at the end of the month. Calling someone out as needed is the most common answer for a single rental.", "type": "pills", "options": [ "I handle repairs myself", "Called out as needed", "A maintenance contract or regular schedule", "A 24/7 on-call service" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_walkways_condition", "label": "Parking and walkways", "question": "How would you describe the driveway, walkways and any parking area? A quick look is enough, this is not an inspection.", "help": "Most claims against a landlord personally are someone tripping outside rather than anything that happens indoors, so the walking surfaces are rated alongside the building. Pick the plainest description rather than the most flattering one, since the surface is what it is on the day someone falls on it. If an association maintains the grounds, pick that instead.", "type": "pills", "options": [ "Some cracking or uneven spots", "Sound, with normal wear", "Recently paved or resurfaced", "The HOA maintains it" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_hvac_service", "label": "Heating and cooling service", "question": "When was the heating and cooling last serviced or tuned up? This is about routine servicing, not replacing the system. An approximate answer is fine.", "help": "A serviced system is one of the few upkeep facts a carrier will ask about directly, since it bears on fire and water losses. Answer for whichever systems the home actually has: if there is no cooling, the heating date is the answer, and a system that has never been serviced is the last option.", "type": "pills", "options": [ "Within the last year", "One to two years ago", "More than two years ago, or not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_plumbing_service", "label": "Plumbing service", "question": "When was the plumbing last serviced or inspected? If the home has a smart leak detector or an automatic water shutoff, pick that instead, it tells us more than the date does.", "help": "Water is the most common source of loss in a rental home. A monitored shutoff can shorten a burst-pipe loss from a flooded floor to a wet patch, and some carriers price for one, subject to their own guidelines.", "type": "pills", "options": [ "Within the last year", "More than a year ago, or not sure", "It has smart leak detection or an automatic water shutoff" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.6.fields", "title": "Rental details", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_rental_type", "label": "Rental type", "question": "Will this be a short-term rental (Airbnb, VRBO, etc.) or a long-term rental?", "help": "Short-term rentals need a different policy form than long-term leases; the wrong form can void coverage for guest-caused damage.", "type": "pills", "options": [ "Short-term (Airbnb, VRBO, etc.)", "Long-term lease", "Both" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_occupancy_status", "label": "Current occupancy", "question": "Is the property in regular use, sitting vacant, or under renovation? A short-term rental (Airbnb, VRBO, etc.) with recent and upcoming bookings counts as in regular use even if no guest is staying today. If it has had no tenant or guest for more than about 30 days and none is booked, choose Vacant.", "help": "A vacant home carries different exposures, and most standard policies limit or exclude some losses while a property sits empty and unrented for an extended period. Carriers generally do not treat a furnished, actively booked short-term rental as vacant between guests, but definitions vary by policy.", "type": "pills", "options": [ "Occupied or regularly rented", "Vacant", "Under renovation" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_vacancy_at_start", "label": "Occupancy when coverage would start", "question": "Since the home is empty today, what do you expect on the day a policy would take effect?", "help": "A home that is empty on day one is rated and written differently from one that is already rented, and most standard forms limit or exclude certain losses while a home stays empty, subject to the policy wording. Which of the two it is on day one is the fact that decides which of those forms the property fits.", "type": "pills", "options": [ "Still empty", "A tenant will be in it by then", "I or a family member will be in it by then", "Not sure yet" ], "required": false, "show_if": "Current occupancy is Vacant", "coverage_lines": [] }, { "key": "hr_occupancy_outlook", "label": "Occupancy plans for the next year", "question": "In a sentence or two, how do you expect the home to be used over the coming year? A rough plan is fine, for example listing it for rent once a few repairs are done, holding it empty between family stays, or putting it on the market.", "help": "Vacancy is usually a phase rather than a permanent condition, and how long it is expected to last is what carriers underwrite to. A couple of sentences here often replaces a round of follow-up questions and can point toward a policy that still fits six months from now.", "type": "textarea", "options": [], "required": false, "show_if": "Occupancy when coverage would start is one of: Still empty; Not sure yet", "coverage_lines": [] }, { "key": "hr_renovation_intended_use", "label": "Plan after the renovation", "question": "Once the renovation work is finished, what do you plan to do with the property?", "help": "A home being renovated to rent out generally sits on a different policy form than one being renovated to resell, so the plan after the work points to which form fits.", "type": "pills", "options": [ "Rent it out when the work is done", "Sell it, fix and flip", "Move in or keep it", "Not decided yet" ], "required": false, "show_if": "Current occupancy is Under renovation", "coverage_lines": [] }, { "key": "hr_rental_income", "label": "Anticipated rental income", "question": "What is the anticipated annual rental income for the property?", "help": "This sets your loss-of-rents coverage, so the policy can keep paying you rent while the home is repaired after a covered loss.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_furnished", "label": "Furnished / contents coverage", "question": "Will the home be furnished, and would you like contents coverage for the furnishings and other personal property inside it?", "help": "This records whether contents coverage was requested, declined, or not applicable, so the answer is never left in doubt on a completed application.", "type": "pills", "options": [ "Yes, please add contents coverage", "No, the home is unfurnished", "It's furnished, but I'm declining contents coverage" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_contents_value", "label": "Contents coverage amount", "question": "Roughly how much personal property (furniture, electronics, decor, and similar) would you like covered?", "help": "", "type": "money", "options": [], "required": false, "show_if": "Furnished / contents coverage is Yes, please add contents coverage", "coverage_lines": [] }, { "key": "hr_property_management", "label": "Property management", "question": "Who handles the day to day management of this property?", "help": "Naming a professional property manager can qualify for discounts. Managing it yourself is just as normal an answer and is not a problem for a quote.", "type": "pills", "options": [ "I use a property manager", "I manage it myself" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_property_manager_name", "label": "Property manager", "question": "What is the management company's name?", "help": "", "type": "text", "options": [], "required": false, "show_if": "Property management is I use a property manager", "coverage_lines": [] }, { "key": "hr_property_manager_address", "label": "Property manager address", "question": "What is the management company's mailing address?", "help": "A manager is often named on the policy as an additional insured, which needs their mailing address on file.", "type": "address", "options": [], "required": false, "show_if": "Property management is I use a property manager", "coverage_lines": [] } ] }, { "id": "flows.9.sections.7.fields", "title": "Tenants", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_student_housing", "label": "Student housing", "question": "Is the property rented to students, for example near a campus?", "help": "Student rentals are rated separately by most landlord programs. Yes does not rule anything out on its own.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_tenant_screening", "label": "Tenant screening", "question": "Which of these do you do before renting to a new tenant?", "help": "Screening practices earn credits with some landlord programs, and a renters-insurance requirement can lower your own exposure to tenant-caused losses.", "type": "multichips", "options": [ "Credit check", "Criminal background check", "Eviction history search", "Employment or income check", "Require the tenant to carry renters insurance", "None of these" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_landlord_association", "label": "Landlord association", "question": "Do you belong to a landlord or rental-owners association?", "help": "Membership can qualify for a discount with some carriers.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.9.sections.8.fields", "title": "Condos, townhouses & owners associations", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_hoa_any", "label": "Condo / townhouse or HOA", "question": "Is this property a condo or a townhouse, or otherwise part of an owners association (HOA)? You will see this question on each property you add, so properties in different associations, or in none, are all handled.", "help": "When an association is involved, its master insurance policy typically covers part of the building. Knowing that up front helps this property's coverage line up with the association's instead of insuring too much or too little.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_hoa_name", "label": "Association / management company", "question": "What is the name of the association or its management company? A phone number or email is helpful if you have it.", "help": "If the documents aren't handy, the association or its management company is the quickest source for the master policy details.", "type": "text", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "hr_hoa_master_coverage", "label": "What the master policy covers", "question": "Associations carry a master insurance policy for the community. Do you know which parts of a unit it covers? Pick the closest match. Not sure is a perfectly normal answer.", "help": "The association's master policy may insure only the exterior structure, the unit as originally constructed, or most permanently installed parts of the unit. Your policy generally fills the gaps for what the master policy leaves out, along with personal property, liability, loss of use, and possible association deductibles or assessments, subject to the policy wording. A best guess here is fine. The association's documents are what actually spell this out, which is why we ask for a copy at the end.", "type": "pills", "options": [ "Bare walls: structure and common areas only, not the unit interior", "As originally built: the unit as first constructed, but not upgrades", "All-in: most permanently installed parts of the unit", "Not sure" ], "required": true, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "hr_hoa_master_deductible", "label": "Master policy deductible", "question": "If you know the master policy deductible, enter it here. Some associations can charge part of that deductible back to a unit owner after a loss; note that too if you know it. Not sure is fine.", "help": "A large master policy deductible, especially for water or wind, can sometimes be assessed back to unit owners. Knowing it helps with sizing loss assessment coverage. It also appears in the association documents, so leaving this blank just means the answer comes from there.", "type": "text", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "hr_hoa_interior_value", "label": "Interior finishes and upgrades", "question": "Roughly what would it cost to redo the interior finishes of this unit: flooring, cabinets, counters, built-in fixtures, and any upgrades made since original construction? A rough estimate is fine.", "help": "Depending on what the master policy covers, some or all of the interior may be yours to insure. This estimate helps set the unit coverage limit. The association documents fill in the rest.", "type": "money", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] } ] }, { "id": "flows.9.sections.9.fields", "title": "Claims history", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_prior_claims", "label": "Prior claims", "question": "Any current, ongoing, or past claims or losses at this property in the past 5 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe each claim, and note whether it is still open or has been closed", "options": [] } }, { "key": "hr_known_claims", "label": "Known claims or damage", "question": "Are you aware of any past damage or insurance claims at this property, for example anything the seller disclosed or an inspection found?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is Buying it now (under contract / closing soon)", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe what was disclosed", "options": [] } }, { "key": "hr_claim_count", "label": "Number of claims", "question": "How many claims were there?", "help": "", "type": "pills", "options": [ "1", "2", "3", "4 or more" ], "required": true, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "hr_claim_total_value", "label": "Total amount paid for the claim", "question": "About how much was paid on that claim in total? An estimate is fine.", "help": "", "type": "money", "options": [], "required": true, "show_if": "Number of claims is 1", "coverage_lines": [] }, { "key": "hr_claim_rows", "label": "Claim dates and amounts", "question": "For each claim, enter the date and about how much was paid. An estimate is fine.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "Number of claims is one of: 2; 3; 4 or more", "coverage_lines": [], "subfields": [ { "key": "date", "label": "Claim date", "type": "date", "options": [] }, { "key": "value", "label": "Total amount paid for this claim", "type": "money", "options": [] } ] } ] }, { "id": "flows.9.sections.10.fields", "title": "Loan and other parties", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_has_loan", "label": "Loan or mortgage", "question": "Is there a loan or mortgage on this property?", "help": "A lender named on the policy generally asks to receive the coverage documents directly. If there is no loan on this property, the next few questions are skipped.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_lender", "label": "Mortgagee / lender", "question": "Who is the lender or mortgagee on this property? The name as it appears on your loan paperwork is what we need.", "help": "A lender named on the policy is generally sent the coverage documents directly, which can help avoid force placed insurance.", "type": "text", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "hr_lender_clause", "label": "Clause wording", "question": "Lenders usually ask for a stock phrase after their name on the policy. Pick whichever ones your lender asked for. If they did not say, or you are not sure, choose the last option.", "help": "ISAOA and ATIMA are the two phrases nearly every lender asks to have added after its name. Picking them here means the mortgagee clause can be assembled from your answers instead of being typed out a second time.", "type": "multichips", "options": [ "ISAOA (its successors and/or assigns)", "ATIMA (as their interests may appear)", "Not sure, or my lender did not specify" ], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "hr_loan_number", "label": "Loan number", "question": "What is the loan number, if you have it handy? Lenders use it to match the insurance to your loan.", "help": "", "type": "text", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "hr_lender_address", "label": "Lender mailing address", "question": "What mailing address does the lender want listed on the policy? It is usually on your mortgage statement, and it is often a payment processing address rather than a branch.", "help": "This is generally where the lender's copy of the policy documents is sent. With the name and the wording above, it completes the mortgagee clause, so there is nothing left to paste in.", "type": "address", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "hr_billing", "label": "Billing", "question": "How do you expect the insurance on this property to be paid: billed to the mortgage company through escrow, or paid by you directly?", "help": "Escrow billing runs through the loan servicer, so knowing which way you expect to pay tells us where the billing paperwork should go.", "type": "pills", "options": [ "Mortgagee billed (escrow)", "I'll pay directly", "Not sure yet" ], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "hr_additional_insured", "label": "Additional insureds", "question": "Besides the owner and any lender above, does anyone else need to be listed on the policy for this property, such as a property manager, a member or holding LLC, or a master tenant? Choose No if the named insured above is the only party. You will see the same question on each additional property you add.", "help": "An additional insured or loss payee is a party you've agreed to protect or name on the policy. Listing them with the property they belong to helps keep each policy's parties straight and can save a mid term policy change and a re issued certificate later.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "party_rows", "label": "Add each party (interest type, name, address)", "options": [ "Additional Insured", "Mortgagee", "Loss Payee", "Property Manager", "Member / Holding Entity", "Master Tenant", "Other" ] } } ] }, { "id": "flows.9.sections.11.fields", "title": "Additional properties", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_additional_properties", "label": "Additional rental properties", "question": "Add each of your other rental properties below, even one titled to a different LLC or a different person. Each property can go on the policy and carrier that fits it, and for details that repeat, like the owner, you can pick a name you've already entered instead of retyping it. Use the property chips above the cards to jump between properties.", "help": "Landlords often hold several properties across different names, and each address is rated and scheduled separately, so listing them lets us sort each one to the policy and carrier that fits it.", "type": "property_repeater", "options": [], "required": false, "show_if": "One property or several is More than one property", "coverage_lines": [], "subfields": [ { "key": "address", "label": "Property address", "type": "address", "options": [] }, { "key": "titled_owner", "label": "Titled owner (exact legal name on the deed; write Same if it matches the named insured above)", "type": "entity", "options": [] }, { "key": "property_type", "label": "Property type", "type": "pills", "options": [ "Single-family home", "Condo", "Townhouse", "Duplex", "Triplex", "Fourplex", "Apartment (5+ units)", "Manufactured / mobile home", "Other" ] }, { "key": "year_built", "label": "Year built", "type": "number", "options": [] }, { "key": "sqft", "label": "Square footage", "type": "number", "options": [] }, { "key": "stories", "label": "Number of stories", "type": "number", "options": [] }, { "key": "units", "label": "Number of units (enter 1 for a single-family home)", "type": "number", "options": [] }, { "key": "full_baths", "label": "Full bathrooms", "type": "number", "options": [] }, { "key": "half_baths", "label": "Half bathrooms", "type": "number", "options": [] }, { "key": "construction", "label": "Construction type", "type": "pills", "options": [ "Frame (wood)", "Masonry / brick", "Concrete block", "Steel / metal", "Fire resistive (concrete)", "Mixed: part masonry, part frame", "Other / not sure" ] }, { "key": "masonry_share", "label": "Masonry wall share", "type": "pills", "options": [ "Most of it", "About half", "Less than half", "Not sure" ] }, { "key": "roof_floor_framing", "label": "Roof and floor framing", "type": "pills", "options": [ "Wood framing or rafters", "Concrete or steel deck", "Not sure" ] }, { "key": "exterior_walls", "label": "Exterior walls", "type": "pills", "options": [ "Vinyl siding", "Wood siding", "Stucco", "Brick or stone", "Fiber cement", "Metal", "Other" ] }, { "key": "roof_material", "label": "Roof material", "type": "pills", "options": [ "Asphalt shingle", "Tile (clay or concrete)", "Metal", "Wood shake", "Flat / built-up", "Other", "Not sure" ] }, { "key": "roof_shape", "label": "Roof shape", "type": "pills", "options": [ "Gable (peaked)", "Hip", "Flat", "Not sure" ] }, { "key": "foundation", "label": "Foundation", "type": "pills", "options": [ "Slab", "Crawl space", "Basement (full or partial)", "Pier and beam", "Other" ] }, { "key": "home_type", "label": "Home type", "type": "pills", "options": [ "Single Wide", "Double Wide", "Triple Wide", "Park Model", "Fifth Wheel" ] }, { "key": "make_model", "label": "Make / model", "type": "text", "options": [] }, { "key": "serial", "label": "Serial / HUD number", "type": "text", "options": [] }, { "key": "dimensions", "label": "Length x width (outside dimensions, in feet)", "type": "dimensions", "options": [] }, { "key": "mh_secured", "label": "How it's secured", "type": "pills", "options": [ "Permanent foundation", "Tie-downs / anchored", "Blocks & piers", "Not sure" ] }, { "key": "skirting", "label": "Skirting", "type": "pills", "options": [ "Yes, fully skirted", "Partially skirted", "No skirting", "Not sure" ] }, { "key": "on_stilts", "label": "Is the home raised on stilts, posts, or open pilings?", "type": "yesno", "options": [] }, { "key": "condemned", "label": "Has the home been condemned?", "type": "yesno", "options": [] }, { "key": "no_utilities", "label": "Is the home currently without utilities (no electricity, water, or gas)?", "type": "yesno", "options": [] }, { "key": "unrepaired_damage", "label": "Any unrepaired damage to the home or an attached structure?", "type": "yesno", "options": [] }, { "key": "heating_type", "label": "Heating type", "type": "pills", "options": [ "Forced air / central", "Heat pump", "Electric baseboard", "Boiler / radiator", "Wall or floor furnace", "None", "Other" ] }, { "key": "pool", "label": "Swimming pool, hot tub, or trampoline at this property itself (not a shared community or HOA amenity)?", "type": "yesno", "options": [] }, { "key": "protective_devices", "label": "Protective devices", "type": "multichips", "options": [ "Smoke detectors", "Central fire or smoke monitoring", "Fire sprinkler system", "Burglar alarm (monitored)", "Deadbolt locks", "None of these" ] }, { "key": "condition", "label": "Interior condition", "type": "pills", "options": [ "Fully remodeled", "Average", "Needs updates" ] }, { "key": "roof_scope", "label": "Roof replacement, full or partial", "type": "pills", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure", "The HOA maintains it" ] }, { "key": "roof_year", "label": "Year of the roof work (approximate is fine)", "type": "number", "options": [] }, { "key": "update_electrical_scope", "label": "Wiring update, full or partial", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ] }, { "key": "update_electrical_year", "label": "Year of the wiring work (approximate is fine)", "type": "number", "options": [] }, { "key": "update_plumbing_scope", "label": "Plumbing update, full or partial", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ] }, { "key": "update_plumbing_year", "label": "Year of the plumbing work (approximate is fine)", "type": "number", "options": [] }, { "key": "update_heating_scope", "label": "Heating or cooling (HVAC) update, full or partial", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ] }, { "key": "update_heating_year", "label": "Year of the heating or cooling work (approximate is fine)", "type": "number", "options": [] }, { "key": "updates", "label": "Other updates or renovations to know about", "type": "textarea", "options": [] }, { "key": "maintenance_model", "label": "Maintenance and repairs", "type": "pills", "options": [ "I handle repairs myself", "Called out as needed", "A maintenance contract or regular schedule", "A 24/7 on-call service" ] }, { "key": "walkways_condition", "label": "Parking and walkways", "type": "pills", "options": [ "Some cracking or uneven spots", "Sound, with normal wear", "Recently paved or resurfaced", "The HOA maintains it" ] }, { "key": "hvac_service", "label": "Heating and cooling, last serviced (not replaced)", "type": "pills", "options": [ "Within the last year", "One to two years ago", "More than two years ago, or not sure" ] }, { "key": "plumbing_service", "label": "Plumbing, last serviced (not replaced)", "type": "pills", "options": [ "Within the last year", "More than a year ago, or not sure", "It has smart leak detection or an automatic water shutoff" ] }, { "key": "rental_type", "label": "Rental type", "type": "pills", "options": [ "Short-term (Airbnb, VRBO, etc.)", "Long-term lease", "Both" ] }, { "key": "occupancy", "label": "Current occupancy", "type": "pills", "options": [ "Occupied or regularly rented", "Vacant", "Under renovation" ] }, { "key": "vacancy_at_start", "label": "Occupancy when coverage would start", "type": "pills", "options": [ "Still empty", "A tenant will be in it by then", "I or a family member will be in it by then", "Not sure yet" ] }, { "key": "occupancy_outlook", "label": "Occupancy plans for the next year", "type": "textarea", "options": [] }, { "key": "renovation_intended_use", "label": "Plan after the renovation", "type": "pills", "options": [ "Rent it out when the work is done", "Sell it, fix and flip", "Move in or keep it", "Not decided yet" ] }, { "key": "rental_income", "label": "Anticipated annual rental income", "type": "money", "options": [] }, { "key": "furnished", "label": "Furnished / contents coverage", "type": "pills", "options": [ "Yes, please add contents coverage", "No, the home is unfurnished", "It's furnished, but I'm declining contents coverage" ] }, { "key": "contents_value", "label": "Contents value to cover", "type": "money", "options": [] }, { "key": "property_management", "label": "Property manager or self-managed", "type": "pills", "options": [ "I use a property manager", "I manage it myself" ] }, { "key": "property_manager_name", "label": "Property manager company name", "type": "text", "options": [] }, { "key": "property_manager_address", "label": "Property manager mailing address", "type": "address", "options": [] }, { "key": "hoa_any", "label": "Condo, townhouse or owners association", "type": "yesno", "options": [] }, { "key": "hoa_name", "label": "Association or management company", "type": "hoa", "options": [] }, { "key": "hoa_master_coverage", "label": "What its master policy covers", "type": "pills", "options": [ "Bare walls: structure and common areas only, not the unit interior", "As originally built: the unit as first constructed, but not upgrades", "All-in: most permanently installed parts of the unit", "Not sure" ] }, { "key": "hoa_master_deductible", "label": "Master policy deductible if known", "type": "text", "options": [] }, { "key": "hoa_interior_value", "label": "Cost to redo this unit's interior finishes", "type": "money", "options": [] }, { "key": "prior_claims", "label": "Any current, ongoing, or past claims or losses at this property in the past 5 years?", "type": "yesno", "options": [] }, { "key": "prior_claims_detail", "label": "Describe each claim, and note whether it is still open or has been closed", "type": "textarea", "options": [] }, { "key": "claim_count", "label": "How many claims were there?", "type": "pills", "options": [ "1", "2", "3", "4 or more" ] }, { "key": "claim_total_value", "label": "About how much was paid on that claim in total? An estimate is fine.", "type": "money", "options": [] }, { "key": "claim_rows", "label": "For each claim, enter the date and about how much was paid.", "type": "rows", "options": [] }, { "key": "has_loan", "label": "Is there a loan or mortgage on this property?", "type": "yesno", "options": [] }, { "key": "lender", "label": "Lender / mortgagee name", "type": "text", "options": [] }, { "key": "lender_clause", "label": "Clause wording your lender asks for", "type": "multichips", "options": [ "ISAOA (its successors and/or assigns)", "ATIMA (as their interests may appear)", "Not sure, or my lender did not specify" ] }, { "key": "loan_number", "label": "Loan number (leave blank if you don't have it handy)", "type": "text", "options": [] }, { "key": "lender_address", "label": "Lender mailing address", "type": "address", "options": [] }, { "key": "additional_insureds", "label": "Additional insureds for this property (anyone else to list besides the owner and lender)", "type": "parties", "options": [] } ] } ] }, { "id": "flows.9.sections.12.fields", "title": "Coverage & policy details", "scope": "Home / Dwelling Rental", "flow_key": "property_home_rental", "handoff": false, "questions": [ { "key": "hr_current_coverage_active", "label": "Current coverage", "question": "Do you currently have active insurance coverage in place for this property?", "help": "Helps us tell a property already insured that you're remarketing apart from one where coverage may have lapsed.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "hr_coverage_purpose", "label": "Purpose for coverage", "question": "Are you seeking coverage for a new purchase, shopping for better rates, or seeking coverage for a non-renewed policy?", "help": "", "type": "pills", "options": [ "New purchase", "Shopping for better rates", "Seeking coverage for a non-renewed policy" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "hr_nonrenewal_reason", "label": "Reason for non-renewal", "question": "Please indicate the reason the policy has been terminated or non-renewed.", "help": "Please provide any information you have regarding why the prior policy was terminated or non-renewed. This may include reasons provided by the insurance company, changes in property condition, claims history, underwriting concerns, or other factors. Providing this information helps us better understand your insurance needs and identify appropriate options.", "type": "textarea", "options": [], "required": false, "show_if": "Purpose for coverage is Seeking coverage for a non-renewed policy", "coverage_lines": [] }, { "key": "hr_effective_date", "label": "Effective date", "question": "When would you like the policy to begin? If you already have coverage, this is usually your current policy's renewal or cancellation date. If you're buying, it's the date you'll take ownership. You can also enter any other date, for example if you're switching mid-term. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents? This is usually your home or office, not the rental property.", "help": "This is where the policy and any carrier mail get sent, so it needs to be an address you actually receive mail at.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_hoa_docs", "label": "CC&Rs / master policy documents", "question": "If any of the properties you listed are in an owners association, you can attach its CC&Rs, bylaws, or master policy declarations page here. Attach documents for as many associations as you have. You can also check the box to send them later, or skip this if none of the properties are in an association.", "help": "Where the association's responsibility ends and yours begins is set by these documents, not by the unit itself. Having them with your application helps get building coverage and loss assessment coverage matched to what the master policy actually leaves to you, instead of guessing.", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_loss_runs", "label": "Upload your loss runs (optional)", "question": "Loss runs are a report from your insurance company that lists claims filed on your policy over the past several years, including dates and amounts paid. Uploading now is optional. Carriers often ask for loss runs before a policy can be bound, so we will likely need them later. Having them now can help make your quote more accurate. You can request loss runs from your current insurance company or from your insurance agent or broker.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "hr_applicant_dob", "label": "Your date of birth", "question": "What is your date of birth? If the properties are held in an LLC or a trust, give the date of birth of the person who will sign the application.", "help": "Date of birth is a standard rating and identity factor. It is asked once for the account, not for each property.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.10.sections.0.fields", "title": "Property information", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_property_address", "label": "Property address", "question": "What is the address of the manufactured or mobile home to be insured?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_multi_property", "label": "One property or several", "question": "Are you looking to quote just this one home, or more than one rental property? Properties titled to different people or LLCs are fine. This form covers up to 7 properties, and you'll add each one after finishing this first home. If you have 8 or more, choose that option to upload your property list instead.", "help": "Knowing this up front shapes the rest of the questionnaire. You'll answer the full set of questions for this first home, then add each additional property with a shorter per-property card, reusing owners and other details you've already entered instead of retyping them.", "type": "pills", "options": [ "Just this one home", "More than one property", "8 or more properties" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_ownership", "label": "Named insured / ownership", "question": "Is this property titled under you personally, an LLC, or another entity? Give the exact legal name that should appear on the policy as the primary named insured for THIS property. If you own other properties under different names, no problem, you can flag each one as you add it below.", "help": "The primary named insured is who the policy protects, so it needs to match how the property is titled. If the title is in an LLC but the policy names you personally, a claim can be denied.", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_park_or_land", "label": "Park or private land", "question": "Is the home in a mobile-home park, or on land?", "help": "", "type": "pills", "options": [ "In a mobile-home park (lot rent)", "On land I own", "On land I rent" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_transaction", "label": "Buying or already own", "question": "Is this a home you're buying now (under contract or closing soon), or one you already own?", "help": "A purchase is quoted to begin at closing, with the contract price as the value basis and no claims history expected from you. A home you already own is quoted on its current occupancy, condition, and insurance history.", "type": "pills", "options": [ "Buying it now (under contract / closing soon)", "I already own it" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.10.sections.1.fields", "title": "Rental details", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_rental_type", "label": "Rental type", "question": "Will this be a short-term rental (Airbnb, VRBO, etc.) or a long-term rental?", "help": "Short-term and long-term rentals use different policy forms; the wrong form can void guest-caused-damage coverage.", "type": "pills", "options": [ "Short-term (Airbnb, VRBO, etc.)", "Long-term lease", "Both" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_occupancy_status", "label": "Current occupancy", "question": "Is the home in regular use, sitting vacant, or under renovation? A short-term rental (Airbnb, VRBO, etc.) with recent and upcoming bookings counts as in regular use even if no guest is staying today. If it has had no tenant or guest for more than about 30 days and none is booked, choose Vacant.", "help": "Most standard policies limit or exclude some losses while a home sits empty and unrented for an extended period. Carriers generally do not treat a furnished, actively booked short-term rental as vacant between guests, but definitions vary by policy.", "type": "pills", "options": [ "Occupied or regularly rented", "Vacant", "Under renovation" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_vacancy_at_start", "label": "Occupancy when coverage would start", "question": "Since the home is empty today, what do you expect on the day a policy would take effect?", "help": "A home that is empty on day one is rated and written differently from one that is already rented, and most standard forms limit or exclude certain losses while a home stays empty, subject to the policy wording. Which of the two it is on day one is the fact that decides which of those forms the property fits.", "type": "pills", "options": [ "Still empty", "A tenant will be in it by then", "I or a family member will be in it by then", "Not sure yet" ], "required": false, "show_if": "Current occupancy is Vacant", "coverage_lines": [] }, { "key": "mhr_occupancy_outlook", "label": "Occupancy plans for the next year", "question": "In a sentence or two, how do you expect the home to be used over the coming year? A rough plan is fine, for example listing it for rent once a few repairs are done, holding it empty between family stays, or putting it on the market.", "help": "Vacancy is usually a phase rather than a permanent condition, and how long it is expected to last is what carriers underwrite to. A couple of sentences here often replaces a round of follow-up questions and can point toward a policy that still fits six months from now.", "type": "textarea", "options": [], "required": false, "show_if": "Occupancy when coverage would start is one of: Still empty; Not sure yet", "coverage_lines": [] }, { "key": "mhr_renovation_intended_use", "label": "Plan after the renovation", "question": "Once the renovation work is finished, what do you plan to do with the home?", "help": "A home being renovated to rent out generally sits on a different policy form than one being renovated to resell, so the plan after the work points to which form fits.", "type": "pills", "options": [ "Rent it out when the work is done", "Sell it, fix and flip", "Move in or keep it", "Not decided yet" ], "required": false, "show_if": "Current occupancy is Under renovation", "coverage_lines": [] }, { "key": "mhr_rental_income", "label": "Anticipated rental income", "question": "What is the anticipated annual rental income?", "help": "Sets loss-of-rents coverage while the home is repaired after a covered loss.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_furnished", "label": "Furnished / contents coverage", "question": "Will the home be furnished, and would you like contents coverage for the furnishings and other personal property inside it?", "help": "This records whether contents coverage was requested, declined, or not applicable, so the answer is never left in doubt on a completed application.", "type": "pills", "options": [ "Yes, please add contents coverage", "No, the home is unfurnished", "It's furnished, but I'm declining contents coverage" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_contents_value", "label": "Contents coverage amount", "question": "Roughly how much personal property would you like covered?", "help": "", "type": "money", "options": [], "required": false, "show_if": "Furnished / contents coverage is Yes, please add contents coverage", "coverage_lines": [] }, { "key": "mhr_property_management", "label": "Property management", "question": "Who handles the day to day management of this home?", "help": "Naming a professional property manager can qualify for discounts. Managing it yourself is just as normal an answer and is not a problem for a quote.", "type": "pills", "options": [ "I use a property manager", "I manage it myself" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_property_manager_name", "label": "Property manager", "question": "What is the management company's name?", "help": "", "type": "text", "options": [], "required": false, "show_if": "Property management is I use a property manager", "coverage_lines": [] }, { "key": "mhr_property_manager_address", "label": "Property manager address", "question": "What is the management company's mailing address?", "help": "A manager is often named on the policy as an additional insured, which needs their mailing address on file.", "type": "address", "options": [], "required": false, "show_if": "Property management is I use a property manager", "coverage_lines": [] } ] }, { "id": "flows.10.sections.2.fields", "title": "Condos, townhouses & owners associations", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_hoa_any", "label": "Condo / townhouse or HOA", "question": "Is this home part of an owners association (HOA)? You will see this question on each property you add, so properties in different associations, or in none, are all handled.", "help": "When an association is involved, its master insurance policy typically covers part of the building. Knowing that up front helps this property's coverage line up with the association's instead of insuring too much or too little.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_hoa_name", "label": "Association / management company", "question": "What is the name of the association or its management company? A phone number or email is helpful if you have it.", "help": "If the documents aren't handy, the association or its management company is the quickest source for the master policy details.", "type": "text", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "mhr_hoa_master_coverage", "label": "What the master policy covers", "question": "Associations carry a master insurance policy for the community. Do you know which parts of a unit it covers? Pick the closest match. Not sure is a perfectly normal answer.", "help": "The association's master policy may insure only the exterior structure, the unit as originally constructed, or most permanently installed parts of the unit. Your policy generally fills the gaps for what the master policy leaves out, along with personal property, liability, loss of use, and possible association deductibles or assessments, subject to the policy wording. A best guess here is fine. The association's documents are what actually spell this out, which is why we ask for a copy at the end.", "type": "pills", "options": [ "Bare walls: structure and common areas only, not the unit interior", "As originally built: the unit as first constructed, but not upgrades", "All-in: most permanently installed parts of the unit", "Not sure" ], "required": true, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "mhr_hoa_master_deductible", "label": "Master policy deductible", "question": "If you know the master policy deductible, enter it here. Some associations can charge part of that deductible back to a unit owner after a loss; note that too if you know it. Not sure is fine.", "help": "A large master policy deductible, especially for water or wind, can sometimes be assessed back to unit owners. Knowing it helps with sizing loss assessment coverage. It also appears in the association documents, so leaving this blank just means the answer comes from there.", "type": "text", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] }, { "key": "mhr_hoa_interior_value", "label": "Interior finishes and upgrades", "question": "Roughly what would it cost to redo the interior finishes of this unit: flooring, cabinets, counters, built-in fixtures, and any upgrades made since original construction? A rough estimate is fine.", "help": "Depending on what the master policy covers, some or all of the interior may be yours to insure. This estimate helps set the unit coverage limit. The association documents fill in the rest.", "type": "money", "options": [], "required": false, "show_if": "Condo / townhouse or HOA is Yes", "coverage_lines": [] } ] }, { "id": "flows.10.sections.3.fields", "title": "About the home", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_home_type", "label": "Home type", "question": "Which best describes the home?", "help": "", "type": "pills", "options": [ "Single Wide", "Double Wide", "Triple Wide", "Park Model", "Fifth Wheel" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_year_built", "label": "Year built", "question": "What year was the home built? An approximate year is fine.", "help": "Age drives eligibility and rate.", "type": "number", "options": [ "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_make_model", "label": "Make / model", "question": "What is the make and model of the home?", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_serial", "label": "Serial / HUD number", "question": "What is the serial number or HUD tag number? (Leave blank if not handy.)", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_sqft", "label": "Square footage", "question": "Approximately how many square feet is the home?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.10.sections.4.fields", "title": "Size, foundation and roof", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_dimensions", "label": "Length x width", "question": "What are the home's outside length and width, in feet?", "help": "", "type": "dimensions", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_foundation", "label": "How it's secured", "question": "How is the home installed or secured?", "help": "Anchoring / tie-downs affect wind eligibility and pricing.", "type": "pills", "options": [ "Permanent foundation", "Tie-downs / anchored", "Blocks & piers", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_skirting", "label": "Skirting", "question": "Is the home skirted around the base?", "help": "Skirting closes off the underside of the home. Carriers generally look at it for both wind and freeze exposure.", "type": "pills", "options": [ "Yes, fully skirted", "Partially skirted", "No skirting", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_roof_material", "label": "Roof material", "question": "What is the roof made of?", "help": "", "type": "pills", "options": [ "Metal", "Composition shingle", "Rubber or membrane", "Tar and gravel", "Other", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_roof_scope", "label": "Roof replacement", "question": "Has the roof been replaced, and if so was it a full or partial job?", "help": "A full replacement generally means the complete roof was replaced; a partial job generally means repairs or replacement of only a portion. Pick whichever is closest. It's fine if it predates your purchase or you're not sure.", "type": "pills", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_roof_year", "label": "Year of roof work", "question": "About what year was that roof work done? An approximate year is fine.", "help": "", "type": "number", "options": [ "Not sure" ], "required": false, "show_if": "Roof replacement is one of: Full replacement; Partial repair or replacement", "coverage_lines": [] } ] }, { "id": "flows.10.sections.5.fields", "title": "Heating, protection and value", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_heating_type", "label": "Heating type", "question": "How is the home heated?", "help": "Heating source is a standard rating question. Wood or pellet stoves and portable space heaters are generally looked at more closely, and some carriers ask for photos.", "type": "pills", "options": [ "Forced air / central", "Heat pump", "Electric baseboard", "Wall or floor furnace", "Wood or pellet stove", "Portable space heaters", "None", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_protective_devices", "label": "Protective devices", "question": "Which of these does the home have?", "help": "Smoke detectors, monitored alarms and deadbolts commonly earn credits, subject to each carrier's own guidelines.", "type": "multichips", "options": [ "Smoke detectors", "Central fire or smoke monitoring", "Burglar alarm (monitored)", "Deadbolt locks", "None of these" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_coverage_amount", "label": "Insured value", "question": "About what amount would you like the home insured for?", "help": "Sets the dwelling limit used to rebuild or replace the home.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.10.sections.6.fields", "title": "Upkeep and servicing", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_maintenance_model", "label": "Maintenance and repairs", "question": "When something needs fixing at this home, how does it usually get handled?", "help": "Carriers look at how quickly a problem gets attention, because a small leak found the same day is generally a smaller claim than one found at the end of the month. Calling someone out as needed is the most common answer for a single rental.", "type": "pills", "options": [ "I handle repairs myself", "Called out as needed", "A maintenance contract or regular schedule", "A 24/7 on-call service" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_walkways_condition", "label": "Parking and walkways", "question": "How would you describe the driveway, walkways and any parking area? A quick look is enough, this is not an inspection.", "help": "Most claims against a landlord personally are someone tripping outside rather than anything that happens indoors, so the walking surfaces are rated alongside the building. Pick the plainest description rather than the most flattering one, since the surface is what it is on the day someone falls on it. If an association maintains the grounds, pick that instead.", "type": "pills", "options": [ "Some cracking or uneven spots", "Sound, with normal wear", "Recently paved or resurfaced", "The HOA maintains it" ], "required": false, "show_if": "Park or private land is one of: On land I own; On land I rent", "coverage_lines": [] }, { "key": "mhr_hvac_service", "label": "Heating and cooling service", "question": "When was the heating and cooling last serviced or tuned up? This is about routine servicing, not replacing the system. An approximate answer is fine.", "help": "A serviced system is one of the few upkeep facts a carrier will ask about directly, since it bears on fire and water losses. Answer for whichever systems the home actually has: if there is no cooling, the heating date is the answer, and a system that has never been serviced is the last option.", "type": "pills", "options": [ "Within the last year", "One to two years ago", "More than two years ago, or not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_plumbing_service", "label": "Plumbing service", "question": "When was the plumbing last serviced or inspected? If the home has a smart leak detector or an automatic water shutoff, pick that instead, it tells us more than the date does.", "help": "Water is the most common source of loss in a rental home. A monitored shutoff can shorten a burst-pipe loss from a flooded floor to a wet patch, and some carriers price for one, subject to their own guidelines.", "type": "pills", "options": [ "Within the last year", "More than a year ago, or not sure", "It has smart leak detection or an automatic water shutoff" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.10.sections.7.fields", "title": "Home eligibility", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_on_stilts", "label": "On stilts", "question": "Is the home raised up on stilts, posts, or open pilings?", "help": "A home elevated on stilts or open pilings is rated differently, and not every carrier will write one.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_condemned", "label": "Condemned", "question": "Has the home been condemned, or is it currently condemned?", "help": "Carriers ask this to confirm the home is safe and legal to occupy.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_no_utilities", "label": "Utilities connected", "question": "Is the home currently without utilities, meaning no electricity, water, or gas connected?", "help": "A home with the utilities shut off is treated differently from one in regular use.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_unrepaired_damage", "label": "Unrepaired damage", "question": "Does the home or any attached structure have any damage that has not been repaired?", "help": "Existing unrepaired damage is usually excluded until it is fixed, so carriers ask about it up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe the damage and whether repairs are planned", "options": [] } }, { "key": "mhr_liability_hazards", "label": "Liability hazards", "question": "Are there any hazardous liability exposures on the premises or in the home, such as a dog with a bite history, a trampoline, or a similar hazard?", "help": "These are the exposures carriers most often ask about before quoting the liability coverage.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each exposure", "options": [] } }, { "key": "mhr_community_pool", "label": "Community pool", "question": "Does the mobile-home park or community have a swimming pool or hot tub?", "help": "Carriers rating a home inside a park ask which shared amenities the community has, so we note a park pool or hot tub either way. This one is about the park's own amenity, not anything on the lot your tenant rents.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Park or private land is In a mobile-home park (lot rent)", "coverage_lines": [] }, { "key": "mhr_pool", "label": "Swimming pool", "question": "Is there a swimming pool or hot tub on the premises?", "help": "A pool or hot tub adds liability exposure. A fence with a self-closing, self-latching gate is a requirement for most of the carriers we work with; without one, we may be unable to find a market willing to offer a policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Park or private land is one of: On land I own; On land I rent", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Is it fully fenced with a self-closing, self-latching gate? Please also note any diving board or slide. If it is not fenced with a self-closing, self-latching gate, let us know whether one can be added, because most carriers require it and without it we likely will not have a market able to offer a policy.", "options": [] } } ] }, { "id": "flows.10.sections.8.fields", "title": "Claims history", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_prior_claims", "label": "Prior claims", "question": "Any current, ongoing, or past claims or losses at this home in the past 5 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe each claim, and note whether it is still open or has been closed", "options": [] } }, { "key": "mhr_known_claims", "label": "Known claims or damage", "question": "Are you aware of any past damage or insurance claims at this home, for example anything the seller disclosed or an inspection found?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is Buying it now (under contract / closing soon)", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe what was disclosed", "options": [] } }, { "key": "mhr_claim_count", "label": "Number of claims", "question": "How many claims were there?", "help": "", "type": "pills", "options": [ "1", "2", "3", "4 or more" ], "required": true, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "mhr_claim_total_value", "label": "Total amount paid for the claim", "question": "About how much was paid on that claim in total? An estimate is fine.", "help": "", "type": "money", "options": [], "required": true, "show_if": "Number of claims is 1", "coverage_lines": [] }, { "key": "mhr_claim_rows", "label": "Claim dates and amounts", "question": "For each claim, enter the date and about how much was paid. An estimate is fine.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "Number of claims is one of: 2; 3; 4 or more", "coverage_lines": [], "subfields": [ { "key": "date", "label": "Claim date", "type": "date", "options": [] }, { "key": "value", "label": "Total amount paid for this claim", "type": "money", "options": [] } ] } ] }, { "id": "flows.10.sections.9.fields", "title": "Loan and other parties", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_has_loan", "label": "Loan or mortgage", "question": "Is there a loan or mortgage on this home?", "help": "A lender named on the policy generally asks to receive the coverage documents directly. If there is no loan on this home, the next few questions are skipped.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_lender", "label": "Mortgagee / lender", "question": "Who is the lender or mortgagee on this home? The name as it appears on your loan paperwork is what we need.", "help": "A lender named on the policy is generally sent the coverage documents directly, which can help avoid force placed insurance.", "type": "text", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "mhr_lender_clause", "label": "Clause wording", "question": "Lenders usually ask for a stock phrase after their name on the policy. Pick whichever ones your lender asked for. If they did not say, or you are not sure, choose the last option.", "help": "ISAOA and ATIMA are the two phrases nearly every lender asks to have added after its name. Picking them here means the mortgagee clause can be assembled from your answers instead of being typed out a second time.", "type": "multichips", "options": [ "ISAOA (its successors and/or assigns)", "ATIMA (as their interests may appear)", "Not sure, or my lender did not specify" ], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "mhr_loan_number", "label": "Loan number", "question": "What is the loan number, if you have it handy? Lenders use it to match the insurance to your loan.", "help": "", "type": "text", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "mhr_lender_address", "label": "Lender mailing address", "question": "What mailing address does the lender want listed on the policy? It is usually on your mortgage statement, and it is often a payment processing address rather than a branch.", "help": "This is generally where the lender's copy of the policy documents is sent. With the name and the wording above, it completes the mortgagee clause, so there is nothing left to paste in.", "type": "address", "options": [], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "mhr_billing", "label": "Billing", "question": "How do you expect the insurance on this home to be paid: billed to the mortgage company through escrow, or paid by you directly?", "help": "Escrow billing runs through the loan servicer, so knowing which way you expect to pay tells us where the billing paperwork should go.", "type": "pills", "options": [ "Mortgagee billed (escrow)", "I'll pay directly", "Not sure yet" ], "required": false, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "mhr_additional_insured", "label": "Additional insureds", "question": "Besides the owner and any lender above, does anyone else need to be listed on the policy for this home, such as a property manager, a member or holding LLC, or a master tenant? Choose No if the named insured above is the only party. You will see the same question on each additional property you add.", "help": "An additional insured or loss payee is a party you've agreed to protect or name on the policy. Listing them with the property they belong to helps keep each policy's parties straight and can save a mid term policy change and a re issued certificate later.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "party_rows", "label": "Add each party (interest type, name, address)", "options": [ "Additional Insured", "Mortgagee", "Loss Payee", "Property Manager", "Member / Holding Entity", "Master Tenant", "Other" ] } } ] }, { "id": "flows.10.sections.10.fields", "title": "Additional properties", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_additional_properties", "label": "Additional rental properties", "question": "Add each of your other rental properties below, even one titled to a different LLC or a different person. Each property can go on the policy and carrier that fits it, and for details that repeat, like the owner, you can pick a name you've already entered instead of retyping it. Use the property chips above the cards to jump between properties.", "help": "Landlords often hold several properties across different names, and each address is rated and scheduled separately, so listing them lets us sort each one to the policy and carrier that fits it.", "type": "property_repeater", "options": [], "required": false, "show_if": "One property or several is More than one property", "coverage_lines": [], "subfields": [ { "key": "address", "label": "Property address", "type": "address", "options": [] }, { "key": "titled_owner", "label": "Titled owner (exact legal name on the deed; write Same if it matches the named insured above)", "type": "entity", "options": [] }, { "key": "park_or_land", "label": "Park or private land", "type": "pills", "options": [ "In a mobile-home park (lot rent)", "On land I own", "On land I rent" ] }, { "key": "rental_type", "label": "Rental type", "type": "pills", "options": [ "Short-term (Airbnb, VRBO, etc.)", "Long-term lease", "Both" ] }, { "key": "occupancy", "label": "Current occupancy", "type": "pills", "options": [ "Occupied or regularly rented", "Vacant", "Under renovation" ] }, { "key": "vacancy_at_start", "label": "Occupancy when coverage would start", "type": "pills", "options": [ "Still empty", "A tenant will be in it by then", "I or a family member will be in it by then", "Not sure yet" ] }, { "key": "occupancy_outlook", "label": "Occupancy plans for the next year", "type": "textarea", "options": [] }, { "key": "renovation_intended_use", "label": "Plan after the renovation", "type": "pills", "options": [ "Rent it out when the work is done", "Sell it, fix and flip", "Move in or keep it", "Not decided yet" ] }, { "key": "rental_income", "label": "Anticipated annual rental income", "type": "money", "options": [] }, { "key": "furnished", "label": "Furnished / contents coverage", "type": "pills", "options": [ "Yes, please add contents coverage", "No, the home is unfurnished", "It's furnished, but I'm declining contents coverage" ] }, { "key": "contents_value", "label": "Contents value to cover", "type": "money", "options": [] }, { "key": "property_management", "label": "Property manager or self-managed", "type": "pills", "options": [ "I use a property manager", "I manage it myself" ] }, { "key": "property_manager_name", "label": "Property manager company name", "type": "text", "options": [] }, { "key": "property_manager_address", "label": "Property manager mailing address", "type": "address", "options": [] }, { "key": "hoa_any", "label": "Condo, townhouse or owners association", "type": "yesno", "options": [] }, { "key": "hoa_name", "label": "Association or management company", "type": "hoa", "options": [] }, { "key": "hoa_master_coverage", "label": "What its master policy covers", "type": "pills", "options": [ "Bare walls: structure and common areas only, not the unit interior", "As originally built: the unit as first constructed, but not upgrades", "All-in: most permanently installed parts of the unit", "Not sure" ] }, { "key": "hoa_master_deductible", "label": "Master policy deductible if known", "type": "text", "options": [] }, { "key": "hoa_interior_value", "label": "Cost to redo this unit's interior finishes", "type": "money", "options": [] }, { "key": "home_type", "label": "Home type", "type": "pills", "options": [ "Single Wide", "Double Wide", "Triple Wide", "Park Model", "Fifth Wheel" ] }, { "key": "year_built", "label": "Year built", "type": "number", "options": [] }, { "key": "make_model", "label": "Make / model", "type": "text", "options": [] }, { "key": "serial", "label": "Serial / HUD number", "type": "text", "options": [] }, { "key": "sqft", "label": "Square footage", "type": "number", "options": [] }, { "key": "dimensions", "label": "Length x width (outside dimensions, in feet)", "type": "dimensions", "options": [] }, { "key": "foundation", "label": "How it's secured", "type": "pills", "options": [ "Permanent foundation", "Tie-downs / anchored", "Blocks & piers", "Not sure" ] }, { "key": "skirting", "label": "Skirting", "type": "pills", "options": [ "Yes, fully skirted", "Partially skirted", "No skirting", "Not sure" ] }, { "key": "roof_material", "label": "Roof material", "type": "pills", "options": [ "Metal", "Composition shingle", "Rubber or membrane", "Tar and gravel", "Other", "Not sure" ] }, { "key": "roof_scope", "label": "Roof replacement, full or partial", "type": "pills", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure" ] }, { "key": "roof_year", "label": "Year of the roof work (approximate is fine)", "type": "number", "options": [] }, { "key": "heating_type", "label": "Heating type", "type": "pills", "options": [ "Forced air / central", "Heat pump", "Electric baseboard", "Wall or floor furnace", "Wood or pellet stove", "Portable space heaters", "None", "Other" ] }, { "key": "protective_devices", "label": "Protective devices", "type": "multichips", "options": [ "Smoke detectors", "Central fire or smoke monitoring", "Burglar alarm (monitored)", "Deadbolt locks", "None of these" ] }, { "key": "insured_value", "label": "Insured value", "type": "money", "options": [] }, { "key": "on_stilts", "label": "Is the home raised on stilts, posts, or open pilings?", "type": "yesno", "options": [] }, { "key": "condemned", "label": "Has the home been condemned?", "type": "yesno", "options": [] }, { "key": "no_utilities", "label": "Is the home currently without utilities (no electricity, water, or gas)?", "type": "yesno", "options": [] }, { "key": "unrepaired_damage", "label": "Any unrepaired damage to the home or an attached structure?", "type": "yesno", "options": [] }, { "key": "liability_hazards", "label": "Any hazardous liability exposures (dog with a bite history, trampoline, etc.)?", "type": "yesno", "options": [] }, { "key": "maintenance_model", "label": "Maintenance and repairs", "type": "pills", "options": [ "I handle repairs myself", "Called out as needed", "A maintenance contract or regular schedule", "A 24/7 on-call service" ] }, { "key": "walkways_condition", "label": "Parking and walkways", "type": "pills", "options": [ "Some cracking or uneven spots", "Sound, with normal wear", "Recently paved or resurfaced", "The HOA maintains it" ] }, { "key": "hvac_service", "label": "Heating and cooling, last serviced (not replaced)", "type": "pills", "options": [ "Within the last year", "One to two years ago", "More than two years ago, or not sure" ] }, { "key": "plumbing_service", "label": "Plumbing, last serviced (not replaced)", "type": "pills", "options": [ "Within the last year", "More than a year ago, or not sure", "It has smart leak detection or an automatic water shutoff" ] }, { "key": "community_pool", "label": "Swimming pool or hot tub in the park or community?", "type": "yesno", "options": [] }, { "key": "pool", "label": "Swimming pool or hot tub at this home itself (not a shared park or community amenity)?", "type": "yesno", "options": [] }, { "key": "prior_claims", "label": "Any current, ongoing, or past claims or losses at this home in the past 5 years?", "type": "yesno", "options": [] }, { "key": "prior_claims_detail", "label": "Describe each claim, and note whether it is still open or has been closed", "type": "textarea", "options": [] }, { "key": "claim_count", "label": "How many claims were there?", "type": "pills", "options": [ "1", "2", "3", "4 or more" ] }, { "key": "claim_total_value", "label": "About how much was paid on that claim in total? An estimate is fine.", "type": "money", "options": [] }, { "key": "claim_rows", "label": "For each claim, enter the date and about how much was paid.", "type": "rows", "options": [] }, { "key": "has_loan", "label": "Is there a loan or mortgage on this home?", "type": "yesno", "options": [] }, { "key": "lender", "label": "Lender / mortgagee name", "type": "text", "options": [] }, { "key": "lender_clause", "label": "Clause wording your lender asks for", "type": "multichips", "options": [ "ISAOA (its successors and/or assigns)", "ATIMA (as their interests may appear)", "Not sure, or my lender did not specify" ] }, { "key": "loan_number", "label": "Loan number (leave blank if you don't have it handy)", "type": "text", "options": [] }, { "key": "lender_address", "label": "Lender mailing address", "type": "address", "options": [] }, { "key": "additional_insureds", "label": "Additional insureds for this property (anyone else to list besides the owner and lender)", "type": "parties", "options": [] } ] } ] }, { "id": "flows.10.sections.11.fields", "title": "Coverage & policy details", "scope": "Manufactured / Mobile Home Rental", "flow_key": "property_mfg_home_rental", "handoff": false, "questions": [ { "key": "mhr_current_coverage_active", "label": "Current coverage", "question": "Do you currently have active insurance coverage in place for this property?", "help": "Helps us tell a property already insured that you're remarketing apart from one where coverage may have lapsed.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "mhr_coverage_purpose", "label": "Purpose for coverage", "question": "New purchase, shopping for better rates, or seeking coverage for a non-renewed policy?", "help": "", "type": "pills", "options": [ "New purchase", "Shopping for better rates", "Seeking coverage for a non-renewed policy" ], "required": false, "show_if": "Buying or already own is I already own it", "coverage_lines": [] }, { "key": "mhr_nonrenewal_reason", "label": "Reason for non-renewal", "question": "Please indicate the reason the policy has been terminated or non-renewed.", "help": "Please provide any information you have regarding why the prior policy was terminated or non-renewed. This may include reasons provided by the insurance company, changes in property condition, claims history, underwriting concerns, or other factors. Providing this information helps us better understand your insurance needs and identify appropriate options.", "type": "textarea", "options": [], "required": false, "show_if": "Purpose for coverage is Seeking coverage for a non-renewed policy", "coverage_lines": [] }, { "key": "mhr_closing_date", "label": "Expected closing date", "question": "When is the closing expected? Coverage is typically set to begin on the closing date.", "help": "", "type": "date", "options": [], "required": false, "show_if": "Buying or already own is Buying it now (under contract / closing soon)", "coverage_lines": [] }, { "key": "mhr_effective_date", "label": "Effective date", "question": "When would you like the policy to begin? If you already have coverage, this is usually your current policy's renewal or cancellation date. If you're buying, it's the date you'll take ownership. You can also enter any other date, for example if you're switching mid-term. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents? This is usually your home or office, not the rental property.", "help": "This is where the policy and any carrier mail get sent, so it needs to be an address you actually receive mail at.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_hoa_docs", "label": "CC&Rs / master policy documents", "question": "If any of the properties you listed are in an owners association, you can attach its CC&Rs, bylaws, or master policy declarations page here. Attach documents for as many associations as you have. You can also check the box to send them later, or skip this if none of the properties are in an association.", "help": "Where the association's responsibility ends and yours begins is set by these documents, not by the unit itself. Having them with your application helps get building coverage and loss assessment coverage matched to what the master policy actually leaves to you, instead of guessing.", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_loss_runs", "label": "Upload your loss runs (optional)", "question": "Loss runs are a report from your insurance company that lists claims filed on your policy over the past several years, including dates and amounts paid. Uploading now is optional. Carriers often ask for loss runs before a policy can be bound, so we will likely need them later. Having them now can help make your quote more accurate. You can request loss runs from your current insurance company or from your insurance agent or broker.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "mhr_registration_doc", "label": "Registration / title", "question": "Optional: attach a copy of the manufactured-home registration or title.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_applicant_dob", "label": "Your date of birth", "question": "What is your date of birth? If the homes are held in an LLC or a trust, give the date of birth of the person who will sign the application.", "help": "Date of birth is a standard rating and identity factor. It is asked once for the account, not for each home.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhr_notes", "label": "Anything else", "question": "Is there anything else I should know or be aware of?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.11.sections.0.fields", "title": "Portfolio overview", "scope": "Rental Portfolio (8 or more properties)", "flow_key": "property_rental_portfolio", "handoff": false, "questions": [ { "key": "rpf_property_count", "label": "Number of properties", "question": "About how many rental properties would you like quoted?", "help": "", "type": "number", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rpf_total_units", "label": "Total rental units", "question": "About how many rental units are there across all the properties? A duplex counts as 2.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rpf_states", "label": "States", "question": "Which states are the properties in?", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rpf_property_types", "label": "Property types", "question": "What kinds of properties are in the portfolio? Choose all that apply.", "help": "", "type": "multichips", "options": [ "Single-family homes", "Condos or townhouses", "2 to 4 unit buildings", "Apartment buildings (5 or more units)", "Manufactured homes", "Commercial or mixed-use" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.11.sections.1.fields", "title": "Property documents", "scope": "Rental Portfolio (8 or more properties)", "flow_key": "property_rental_portfolio", "handoff": false, "questions": [ { "key": "rpf_ledger", "label": "Property list or ledger", "question": "Attach your property list, rent roll, or ledger. A spreadsheet is ideal. It helps most when it shows each property's address, the owner or LLC on the title, the number of units, the year built, and any lender. You can attach more than one file.", "help": "A property list lets the whole portfolio be reviewed at once, instead of you answering the same questions for every property.", "type": "upload", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rpf_insurance_docs", "label": "Current insurance documents", "question": "Optional: attach any current insurance documents for these properties, such as declarations pages, policies, or renewal notices. You can attach more than one file.", "help": "", "type": "upload", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.11.sections.2.fields", "title": "Coverage & policy details", "scope": "Rental Portfolio (8 or more properties)", "flow_key": "property_rental_portfolio", "handoff": false, "questions": [ { "key": "rpf_prior_claims", "label": "Prior claims", "question": "Have there been any insurance claims or losses on the properties in the past 5 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rpf_claim_count", "label": "Number of claims", "question": "How many claims were there?", "help": "", "type": "pills", "options": [ "1", "2", "3", "4 or more" ], "required": true, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "rpf_claim_total_value", "label": "Total amount paid for the claim", "question": "About how much was paid on that claim in total? An estimate is fine.", "help": "", "type": "money", "options": [], "required": true, "show_if": "Number of claims is 1", "coverage_lines": [] }, { "key": "rpf_claim_rows", "label": "Claim dates and amounts", "question": "For each claim, enter the date and about how much was paid. An estimate is fine.", "help": "", "type": "property_repeater", "options": [], "required": true, "show_if": "Number of claims is one of: 2; 3; 4 or more", "coverage_lines": [], "subfields": [ { "key": "date", "label": "Claim date", "type": "date", "options": [] }, { "key": "value", "label": "Total amount paid for this claim", "type": "money", "options": [] } ] }, { "key": "rpf_loss_runs", "label": "Upload your loss runs (optional)", "question": "Loss runs are a report from your insurance company that lists claims filed on your policy over the past several years, including dates and amounts paid. Uploading now is optional. Carriers often ask for loss runs before a policy can be bound, so we will likely need them later. Having them now can help make your quote more accurate. You can request loss runs from your current insurance company or from your insurance agent or broker.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": false, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "rpf_shop_reason", "label": "Purpose for coverage", "question": "Are you seeking coverage for a new purchase, shopping for better rates, or seeking coverage for a non-renewed policy?", "help": "", "type": "pills", "options": [ "New purchase", "Shopping for better rates", "Seeking coverage for a non-renewed policy" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rpf_effective_date", "label": "Effective date", "question": "When would you like the policy to begin? If you already have coverage, this is usually your current policy's renewal or cancellation date. If you're buying, it's the date you'll take ownership. You can also enter any other date, for example if you're switching mid-term. A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rpf_notes", "label": "Anything else", "question": "Is there anything else I should know or be aware of?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.12.sections.0.fields", "title": "Property information", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_property_address", "label": "Property address", "question": "What is the address of the property?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_occupied_during", "label": "Occupancy during the term", "question": "Will anyone be living in or using the structure at any point during the policy term?", "help": "Occupancy during construction changes eligibility and which builder's risk form applies.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_sqft", "label": "Square footage", "question": "What is the square footage of the existing structure, including basement if there is one?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_prior_damage", "label": "Prior damage", "question": "Has this property had any prior damage from earthquake, flood, wind, fire, vandalism, hail, or water?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe the prior damage", "options": [] } } ] }, { "id": "flows.12.sections.1.fields", "title": "Who's responsible", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_policy_name", "label": "Policy name", "question": "Should the policy be in the name of your LLC, or under a different name? Please give the exact name for the policy.", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_responsible_name", "label": "Responsible party", "question": "Full name of the person who will be responsible for the policy.", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_responsible_dob", "label": "Date of birth", "question": "Date of birth of the responsible person.", "help": "", "type": "date", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_mailing_address", "label": "Mailing address", "question": "What is the mailing address?", "help": "", "type": "address", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_role", "label": "Your role in the project", "question": "What is your role in the project?", "help": "", "type": "pills", "options": [ "Owner and Contractor", "Owner Only", "Contractor Only" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.12.sections.2.fields", "title": "Builder / project eligibility", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_builder_differs", "label": "Builder name", "question": "Is the general contractor or builder name different from your name / LLC?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "Builder's name", "options": [] } }, { "key": "br_contractor_gl", "label": "Contractor general liability insurance", "question": "Do you currently carry general liability insurance as a contractor?", "help": "Carriers writing a builder's risk policy generally ask whether the contractor on the project carries their own liability coverage.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Your role in the project is one of: Owner and Contractor; Contractor Only", "coverage_lines": [] }, { "key": "br_contractor_gl_detail", "label": "General liability explanation", "question": "Please explain why not, or describe your situation", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "Contractor general liability insurance is No", "coverage_lines": [] }, { "key": "br_experience_years", "label": "Years of experience", "question": "How many years of experience does the builder, remodeler, owner, or GC have managing building projects of a similar nature and size?", "help": "Most carriers look for at least two years of relevant experience on projects of a similar size and type.", "type": "number", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.12.sections.3.fields", "title": "Policy details", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_project_type", "label": "Project type", "question": "What do you need covered?", "help": "If you are buying the property, your lender may ask for the existing building to be included.", "type": "pills", "options": [ "New Construction", "Remodel excluding existing structure", "Remodel including existing structure", "Installation" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_coverage_start", "label": "Coverage start", "question": "What date would you like coverage to start?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_term", "label": "Coverage length", "question": "How long would you like coverage in place?", "help": "", "type": "pills", "options": [ "6 months", "9 months", "1 year" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_liability", "label": "Job-site liability", "question": "Would you like liability coverage for the job site as well? Premises liability is typically needed on a project like this, and it may be required by your lender, your contract, or the property owner.", "help": "A builder's risk policy generally covers the structure and the materials, not injury or property-damage claims arising from the job site, so premises liability is usually written alongside it, subject to the policy wording and carrier guidelines.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.12.sections.4.fields", "title": "Project details", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_ground_break_date", "label": "Earliest date on site", "question": "What is the earliest date of the ground breaking, or of materials being delivered to this job site?", "help": "A builder's risk policy generally cannot respond to work that began before the policy start date, subject to the policy wording, so the earliest date on site is what the coverage start has to line up with.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_started", "label": "Project started", "question": "Has the project already started?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "No", "type": "yesno", "label": "Will work begin within 60 days of the policy start date?", "options": [] } }, { "key": "br_completion_date", "label": "Expected completion", "question": "What is the estimated date of completion of the building at this location?", "help": "Carriers rate a builder's risk term against the expected completion date, and a project that runs past the term generally needs an extension requested before the policy expires.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_intended_use_after", "label": "Plan after the project", "question": "When the project is finished, what do you plan to do with the property?", "help": "A builder's risk policy generally ends when the project is complete, so what happens next points to which permanent policy would fit the property afterward.", "type": "pills", "options": [ "Rent it out", "Sell it when the work is done, fix and flip", "Move in or keep it", "Not decided yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_modular", "label": "Modular structure", "question": "Is the structure modular?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_work_desc_type", "label": "Scope of the work", "question": "Is the work cosmetic and finish only, or does it include structural work?", "help": "", "type": "pills", "options": [ "Cosmetic and finish work only", "Mostly cosmetic with some structural work", "Substantial structural work" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_structural_integrity", "label": "Structural integrity", "question": "Does this job change the structural integrity of the existing structure? This includes foundation work, removing or relocating a load-bearing wall or support, building extensions or additional floors, and fire, earthquake or wind damage restoration.", "help": "Structural work carries a different exposure than finish work, and several builder's risk programs price or limit it separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe the structural work", "options": [] } }, { "key": "br_work_desc", "label": "Work description", "question": "Please describe the work that will be performed, including which rooms or areas are involved and what is being replaced, added, or removed.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_solar", "label": "Solar", "question": "Will the project involve solar installation?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.12.sections.5.fields", "title": "Coverage amounts", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_reno_value", "label": "Renovation value", "question": "Estimated value of the construction, renovation, or improvement work itself. This amount feeds the total completed value below.", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_existing_value", "label": "Existing structure value", "question": "Estimated value of the existing building or structure. It is added to the renovation value to set the total completed value below.", "help": "", "type": "money", "options": [], "required": true, "show_if": "Project type is one of: Remodel including existing structure", "coverage_lines": [] }, { "key": "br_completed_value", "label": "Total completed value", "question": "Calculated automatically from the renovation value plus the existing structure value above: the total value used to set your coverage limit, not what you expect to sell the property for.", "help": "This is the main limit on a builder's risk policy, the full value of the finished project.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.12.sections.6.fields", "title": "About the existing structure", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_year_built", "label": "Year built", "question": "What year was the existing structure built?", "help": "Age drives the construction, wiring, plumbing and roof assumptions a carrier makes about the structure being worked on.", "type": "number", "options": [ "Not sure" ], "required": true, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_stories", "label": "Number of stories", "question": "How many stories is the structure?", "help": "", "type": "number", "options": [], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_construction", "label": "Construction type", "question": "How are the outside walls built?", "help": "", "type": "pills", "options": [ "Frame (wood)", "Masonry / brick", "Concrete block", "Steel / metal", "Fire resistive (concrete)", "Mixed: part masonry, part frame", "Other / not sure" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_masonry_share", "label": "Masonry wall share", "question": "About how much of the outside walls is masonry or block?", "help": "", "type": "pills", "options": [ "Most of it", "About half", "Less than half", "Not sure" ], "required": false, "show_if": "(Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation AND Construction type is Mixed: part masonry, part frame)", "coverage_lines": [] }, { "key": "br_roof_floor_framing", "label": "Roof and floor framing", "question": "What are the roof and upper floors built on?", "help": "Masonry walls with a wood-framed roof are rated differently from an all-masonry building.", "type": "pills", "options": [ "Wood framing or rafters", "Concrete or steel deck", "Not sure" ], "required": false, "show_if": "(Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation AND Construction type is one of: Masonry / brick; Concrete block; Mixed: part masonry, part frame)", "coverage_lines": [] }, { "key": "br_roof_scope", "label": "Roof replacement", "question": "Has the roof been replaced, and if so was it a full or partial job?", "help": "", "type": "pills", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_roof_year", "label": "Year of roof work", "question": "About what year was that roof work done? An approximate year is fine.", "help": "", "type": "number", "options": [ "Not sure" ], "required": false, "show_if": "Roof replacement is one of: Full replacement; Partial repair or replacement", "coverage_lines": [] }, { "key": "br_plumbing_scope", "label": "Plumbing update", "question": "Has the plumbing been updated, and if so was it a full or partial update?", "help": "", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_plumbing_year", "label": "Year of plumbing work", "question": "About what year was the plumbing work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Plumbing update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "br_electrical_scope", "label": "Electrical update", "question": "Has the wiring been updated, and if so was it a full or partial update?", "help": "", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_electrical_year", "label": "Year of electrical work", "question": "About what year was the electrical work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Electrical update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "br_hvac_scope", "label": "Heating / cooling update", "question": "Has the heating or cooling system been updated, and if so was it a full or partial update?", "help": "", "type": "pills", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_hvac_year", "label": "Year of heating / cooling work", "question": "About what year was the heating or cooling work done? An approximate year is fine.", "help": "", "type": "number", "options": [], "required": false, "show_if": "Heating / cooling update is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "br_roof_material", "label": "Roof material", "question": "What is the roof material?", "help": "", "type": "pills", "options": [ "Asphalt shingle", "Tile (clay or concrete)", "Metal", "Wood shake", "Flat / built-up", "Other", "Not sure" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_historical", "label": "Historical status", "question": "Is the building on a historical registry or subject to historical preservation rules?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_existing_purchase_date", "label": "Purchase date", "question": "Date the existing structure was purchased.", "help": "", "type": "date", "options": [], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_existing_condition", "label": "Current condition", "question": "What is the current condition of the structure?", "help": "", "type": "pills", "options": [ "Poor", "Fair", "Good" ], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] }, { "key": "br_existing_desc", "label": "Structure description", "question": "Brief description of the structure being renovated.", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "Project type is one of: Remodel excluding existing structure; Remodel including existing structure; Installation", "coverage_lines": [] } ] }, { "id": "flows.12.sections.7.fields", "title": "Additional parties", "scope": "Builder's Risk", "flow_key": "property_builders_risk", "handoff": false, "questions": [ { "key": "br_has_loan", "label": "Loan or mortgage", "question": "Is there a loan or mortgage on this property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "br_lender_name", "label": "Lender name", "question": "What is the lender's name?", "help": "", "type": "text", "options": [], "required": true, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "br_lender_address", "label": "Lender mailing address", "question": "What is the lender's mailing address?", "help": "", "type": "address", "options": [], "required": true, "show_if": "Loan or mortgage is Yes", "coverage_lines": [] }, { "key": "br_additional_parties", "label": "Additional parties", "question": "Does anyone else need to be listed on the policy, such as a builder or premium finance company?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "party_rows", "label": "Add each party (interest type, name, address)", "options": [] } }, { "key": "br_notes", "label": "Anything else", "question": "Is there anything else I should know or be aware of?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.13.sections.0.fields", "title": "About the event", "scope": "Special Event", "flow_key": "event_special", "handoff": false, "questions": [ { "key": "evt_planner_business", "label": "Professional event planner", "question": "Are you a professional event planner looking to insure your event planning business, rather than one specific event?", "help": "Planning events for others as a business is covered by a business policy instead of a one-time event policy. Answer Yes and it can be quoted that way; you can still finish this form with the event details.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_athletic_event", "label": "Organized athletics", "question": "Does the event include any organized athletic competitions, games, or tournaments?", "help": "Organized sports are usually quoted on a sports or tournament program instead. If that fits better it can be quoted there; your event basics here still help.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_held_by", "label": "Who is holding the event", "question": "Is the event being held by an organization, business, or nonprofit, rather than by you personally?", "help": "The policy protects whoever is named on it, so it needs to match who is actually putting on the event.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "Organization name exactly as it should appear on the policy", "options": [] } }, { "key": "evt_event_name", "label": "Event name", "question": "What is the name of the event?", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_event_type", "label": "Type of event", "question": "What kind of event is it? Pick a close match or type your own.", "help": "", "type": "text", "options": [ "Festival or fair", "Banquet or awards dinner", "Fundraiser or charity auction", "Farmers market or craft fair", "Trade show, expo, or consumer show", "Meeting, conference, or seminar", "Holiday or company party", "Graduation or school ceremony", "Reunion, picnic, or barbecue", "Car, art, or collector show", "Concert, recital, or stage show", "Religious or cultural celebration", "Dance or social event", "Memorial or celebration of life", "Grand opening or open house" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_admission", "label": "Private or public", "question": "Is the event private and invitation only, or open to the public or ticketed?", "help": "A private guest list and a ticketed public crowd are rated differently. This one answer matters more than the exact event type.", "type": "pills", "options": [ "Private, invitation only", "Open to the public or ticketed" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.13.sections.1.fields", "title": "About the business", "scope": "Special Event", "flow_key": "event_special", "handoff": false, "questions": [ { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "Who is holding the event starts with Yes", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "(Who is holding the event starts with Yes AND Business stage is one of: Recently started (under a year); Established (1+ years))", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Who is holding the event starts with Yes AND (Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year))", "coverage_lines": [] } ] }, { "id": "flows.13.sections.2.fields", "title": "Where and when", "scope": "Special Event", "flow_key": "event_special", "handoff": false, "questions": [ { "key": "evt_venue_name", "label": "Venue name", "question": "What is the name of the venue?", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_event_address", "label": "Event address", "question": "What is the address where the event takes place?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_date_from", "label": "Coverage start", "question": "What date should coverage start? Include your setup days.", "help": "Event policies are written for the exact dates you're on site, so setup and teardown days belong inside them.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_date_to", "label": "Coverage end", "question": "What date should coverage end? Include your teardown days.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_event_days", "label": "Event days", "question": "How many consecutive event days are there, not counting setup and teardown?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_daily_attendance", "label": "Daily attendance", "question": "Roughly how many people do you expect per day?", "help": "Attendance is the main rating basis for event liability. A good-faith estimate is fine.", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_multiple_locations", "label": "More than one location", "question": "Is the event held at more than one location?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_overnight", "label": "Overnight stays", "question": "Are overnight accommodations or camping part of the event?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.13.sections.3.fields", "title": "Alcohol, vendors & activities", "scope": "Special Event", "flow_key": "event_special", "handoff": false, "questions": [ { "key": "evt_live_music", "label": "Live music", "question": "Will there be incidental live music, like a background band or a DJ?", "help": "Incidental music is routine. A concert or music festival with headline acts is rated on its own program instead, so it helps to mention the acts if that's your event.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_alcohol", "label": "Alcohol", "question": "How is alcohol handled at the event?", "help": "Whether alcohol is sold, given away, or absent changes the liquor liability picture. There's a fit for each answer.", "type": "pills", "options": [ "Not available at the event", "Furnished free of charge or BYOB", "Sold", "Both sold and furnished" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_vendors", "label": "Vendors & exhibitors", "question": "Will any vendors, concessionaires, or exhibitors be at the event?", "help": "Vendors usually carry their own coverage and name your event as additional insured. Knowing the plan up front avoids gaps on event day.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Who are they, and do they carry their own insurance or expect to be covered under yours?", "options": [] } }, { "key": "evt_hazard_activities", "label": "Attractions & activities", "question": "Do any of these apply to your event?", "help": "These attractions carry their own liability treatment. Selecting one just tells us which markets to shop.", "type": "multichips", "options": [ "Mechanical rides, inflatables, dunk tanks, or bungee equipment", "Petting zoo or other animals", "Fireworks or pyrotechnics", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.13.sections.4.fields", "title": "Certificates & insurance history", "scope": "Special Event", "flow_key": "event_special", "handoff": false, "questions": [ { "key": "evt_cert_required", "label": "Certificate for the venue", "question": "Does the venue or an event organizer require a certificate of insurance or ask to be named as additional insured?", "help": "Most venues hand you exact insurance wording. Matching it on the first try means your certificate is accepted without a re-issue.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Paste the insurance wording from your contract if you have it: required limits, additional insured wording, waiver of subrogation, and so on", "options": [] } }, { "key": "evt_nonrenewal", "label": "Current carrier", "question": "If you already have coverage for this event or organization, is the current carrier non-renewing it?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_claims_3yr", "label": "Recent liability claims", "question": "Have any liability claims been paid under your or your organization's insurance in the last 3 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each paid claim", "options": [] } }, { "key": "evt_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving you or your organization? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } } ] }, { "id": "flows.13.sections.5.fields", "title": "Coverage & policy details", "scope": "Special Event", "flow_key": "event_special", "handoff": false, "questions": [ { "key": "evt_gl_limit", "label": "Liability limit", "question": "What general liability limit would you like quoted?", "help": "Venue contracts usually spell out a minimum limit. If you're not sure, pick the last option and the quote can be matched to the contract.", "type": "pills", "options": [ "$1 million", "$2 million", "$3 million", "$4 million", "$5 million", "Not sure, recommend for me" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "evt_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.14.sections.0.fields", "title": "The celebration", "scope": "Wedding / Private Celebration", "flow_key": "event_wedding", "handoff": false, "questions": [ { "key": "wed_celebrations", "label": "What to cover", "question": "Which celebrations should the policy cover?", "help": "One policy can usually cover the ceremony, reception, and rehearsal dinner together, even on different days.", "type": "multichips", "options": [ "Ceremony", "Reception", "Rehearsal dinner", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_date", "label": "Wedding date", "question": "What is the wedding date?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_extra_dates", "label": "Other dates to include", "question": "Any other dates the policy should include, like a rain date, a rehearsal dinner on a different day, or setup and teardown days?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.14.sections.1.fields", "title": "Venue & guests", "scope": "Wedding / Private Celebration", "flow_key": "event_wedding", "handoff": false, "questions": [ { "key": "wed_venue_name", "label": "Venue name", "question": "What is the name of the venue?", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_venue_address", "label": "Venue address", "question": "What is the venue's address?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_second_venue", "label": "Second venue", "question": "Is the ceremony at a different venue than the reception?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Second venue name and address", "options": [] } }, { "key": "wed_destination", "label": "Destination wedding", "question": "Is the wedding outside the United States?", "help": "A celebration abroad is still insurable. It just goes to a different set of markets, so it helps to know up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "Which country?", "options": [] } }, { "key": "wed_guest_count", "label": "Guest count", "question": "About how many guests will attend?", "help": "Guest count is the main rating basis for wedding liability. A good-faith estimate is fine.", "type": "number", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.14.sections.2.fields", "title": "Alcohol & activities", "scope": "Wedding / Private Celebration", "flow_key": "event_wedding", "handoff": false, "questions": [ { "key": "wed_alcohol", "label": "Alcohol", "question": "How is alcohol handled?", "help": "Whether guests are served free drinks or buy them changes which liquor liability applies. There's a fit either way.", "type": "pills", "options": [ "Not served", "Served but not sold (host provided or BYOB)", "Sold or cash bar" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_host_liquor", "label": "Host liquor liability", "question": "Would you like host liquor liability included in the quote if available?", "help": "Host liquor liability responds if a guest you served causes an alcohol-related injury or damage. Many venues ask for it by name.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_firearms", "label": "Firearms or weapons", "question": "Will the event involve firearms or other weapons, for example a ceremonial saber arch?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_features", "label": "Animals & attractions", "question": "Do any of these apply to your celebration?", "help": "These extras are common and quotable. They just change which markets we shop.", "type": "multichips", "options": [ "Live animals", "Inflatable or bounce devices", "Dunk tank or mechanical rides", "Fireworks or a sparkler send-off", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.14.sections.3.fields", "title": "Coverage & policy details", "scope": "Wedding / Private Celebration", "flow_key": "event_wedding", "handoff": false, "questions": [ { "key": "wed_cert_required", "label": "Certificate for the venue", "question": "Does the venue require a certificate of insurance or ask to be named as additional insured?", "help": "Most venues spell out exactly what they need. Matching it the first time keeps your booking on track.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Paste the venue's insurance wording if you have it: required limits and any additional insured wording", "options": [] } }, { "key": "wed_cancellation_interest", "label": "Cancellation coverage", "question": "Would you also like a quote for wedding cancellation or postponement coverage?", "help": "This is a separate policy that can reimburse deposits and costs if the celebration has to be called off or moved for a covered reason.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wed_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving you? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "wed_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.15.sections.0.fields", "title": "About the business", "scope": "Vendor / Exhibitor / Concessionaire", "flow_key": "event_vendor", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.15.sections.1.fields", "title": "Your coverage", "scope": "Vendor / Exhibitor / Concessionaire", "flow_key": "event_vendor", "handoff": false, "questions": [ { "key": "cev_coverage_term", "label": "How much coverage", "question": "Do you need coverage for a single event, several events, or year-round?", "help": "One-event policies and annual vendor policies are different products. This answer picks the right shelf.", "type": "pills", "options": [ "A single event", "Several events this year", "Year-round (annual) coverage" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_event_name", "label": "Event / show name", "question": "What is the name of the event or show?", "help": "", "type": "text", "options": [], "required": false, "show_if": "How much coverage is A single event", "coverage_lines": [] }, { "key": "cev_event_date_from", "label": "Event start", "question": "What date does the event start for you, including setup?", "help": "", "type": "date", "options": [], "required": false, "show_if": "How much coverage is A single event", "coverage_lines": [] }, { "key": "cev_event_date_to", "label": "Event end", "question": "What date does it end for you, including teardown?", "help": "", "type": "date", "options": [], "required": false, "show_if": "How much coverage is A single event", "coverage_lines": [] }, { "key": "cev_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": false, "show_if": "How much coverage is one of: Several events this year; Year-round (annual) coverage", "coverage_lines": [] } ] }, { "id": "flows.15.sections.2.fields", "title": "What you sell & how you set up", "scope": "Vendor / Exhibitor / Concessionaire", "flow_key": "event_vendor", "handoff": false, "questions": [ { "key": "cev_products", "label": "What you offer", "question": "What do you sell, display, demonstrate, or promote?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_food", "label": "Food & cooking", "question": "If you offer food or drink, which of these apply?", "help": "Cooking on site, especially with fryers or open flame, is rated differently than prepackaged goods.", "type": "multichips", "options": [ "Food or drink prepared on site", "Open flame or grills", "Deep fryers", "Prepackaged food or drink only", "No food or drink" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_operation", "label": "Your setup", "question": "Which best describes your setup?", "help": "", "type": "pills", "options": [ "Food concession stand or trailer", "Tent or outdoor booth", "Tradeshow exhibit or booth", "Push cart or kiosk", "Non-food trailer", "Home-based vendor", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_customer_interaction", "label": "Customer interaction", "question": "How do customers interact with your space?", "help": "", "type": "pills", "options": [ "They walk up to a counter or table", "They walk in and around the space" ], "required": false, "show_if": "Your setup is one of: Tent or outdoor booth; Tradeshow exhibit or booth", "coverage_lines": [] }, { "key": "cev_unit_count", "label": "Number of units", "question": "How many booths, stands, carts, or trailers do you operate?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_booth_area", "label": "Booth / tent area", "question": "Roughly how many square feet is your booth or tent space in total?", "help": "", "type": "number", "options": [], "required": false, "show_if": "Your setup is one of: Tent or outdoor booth; Tradeshow exhibit or booth", "coverage_lines": [] } ] }, { "id": "flows.15.sections.3.fields", "title": "Requirements & screeners", "scope": "Vendor / Exhibitor / Concessionaire", "flow_key": "event_vendor", "handoff": false, "questions": [ { "key": "cev_cert_required", "label": "Show organizer requirements", "question": "Does the show organizer or venue require a certificate of insurance or ask to be named as additional insured?", "help": "Most shows send exhibitors exact insurance requirements. Matching them the first time keeps your booth confirmed.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Paste the organizer's insurance wording if you have it: required limits and any additional insured wording", "options": [] } }, { "key": "cev_higher_risk", "label": "A few screeners", "question": "Do any of these apply to what you sell or do?", "help": "These exposures are placed with specific markets. Selecting one just tells us where to shop.", "type": "multichips", "options": [ "Alcohol sales or samples", "Weapons, knives, or tasers", "Tattooing, piercing, or hot wax", "Mechanical or inflatable amusement devices", "Animals", "Motorized vehicles in motion", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_us_only", "label": "Where you operate", "question": "Are all the events you're insuring located within the United States?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.15.sections.4.fields", "title": "Beyond this policy", "scope": "Vendor / Exhibitor / Concessionaire", "flow_key": "event_vendor", "handoff": false, "questions": [ { "key": "cev_vehicle_use", "label": "Vehicle use", "question": "Does your business use any vehicle for its operations, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_paid_helpers", "label": "Employees & helpers", "question": "Does your business have any employees or paid helpers, even part-time, seasonal, or as-needed?", "help": "If anyone works for you, workers compensation may come into play depending on your state. Knowing now means the quote covers the whole picture.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cev_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.15.sections.5.fields", "title": "Policy details", "scope": "Vendor / Exhibitor / Concessionaire", "flow_key": "event_vendor", "handoff": false, "questions": [ { "key": "cev_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving you or your business? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "cev_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.16.sections.0.fields", "title": "About the business", "scope": "Entertainer / Performer / Band", "flow_key": "event_entertainer", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.16.sections.1.fields", "title": "Your act", "scope": "Entertainer / Performer / Band", "flow_key": "event_entertainer", "handoff": false, "questions": [ { "key": "ent_who", "label": "Individual or group", "question": "Is coverage for you as an individual performer, or for a group or band?", "help": "", "type": "pills", "options": [ "An individual performer", "A group or band" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_act_type", "label": "Type of act", "question": "What type of performer or act are you? Pick a close match or type your own.", "help": "", "type": "text", "options": [ "Musician, singer, or vocalist", "DJ or KJ", "Band (wedding, tribute, or cover)", "Choral group or ensemble", "Magician", "Clown", "Comedian", "Caricature artist", "Face or body painter", "Balloon artist", "Juggler", "Mime", "Ventriloquist", "Puppeteer", "Storyteller", "Impersonator or celebrity look-alike", "Holiday character", "Belly dancer", "Psychic or fortune teller", "Contortionist" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_group_name", "label": "Group name", "question": "What is the group or band name, exactly as it should appear on the policy?", "help": "", "type": "text", "options": [], "required": false, "show_if": "Individual or group is A group or band", "coverage_lines": [] }, { "key": "ent_group_size", "label": "Group size", "question": "How many members are in the group?", "help": "Larger groups sometimes take an extra look from the broker. The count just helps us pick the right market.", "type": "number", "options": [], "required": false, "show_if": "Individual or group is A group or band", "coverage_lines": [] }, { "key": "ent_group_adult", "label": "Adult representative", "question": "Is at least one member or representative of the group 18 or older?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Individual or group is A group or band", "coverage_lines": [] }, { "key": "ent_under_18", "label": "Your age", "question": "Are you under 18?", "help": "A minor performer usually needs an adult listed with the policy. It just changes the paperwork.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Individual or group is An individual performer", "coverage_lines": [] }, { "key": "ent_promoted_tour", "label": "Promoted tour", "question": "Are any of your performances part of a promoted tour?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Individual or group is A group or band", "coverage_lines": [] } ] }, { "id": "flows.16.sections.2.fields", "title": "Performances & income", "scope": "Entertainer / Performer / Band", "flow_key": "event_entertainer", "handoff": false, "questions": [ { "key": "ent_outside_us", "label": "Outside the U.S.", "question": "Do you perform outside the United States?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_annual_income", "label": "Performance income", "question": "Roughly how much do you earn per year from performing?", "help": "Annual performance income is the usual rating basis for entertainer liability. A ballpark figure is fine.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_act_features", "label": "In the act", "question": "Do any of these appear in your performances?", "help": "Some features need specific markets. Selecting one just points us to the right carriers.", "type": "multichips", "options": [ "Pyrotechnics or fire", "Animals in the act", "Stunts, acrobatics, or strength acts", "Audience participation or objects thrown to the crowd", "Face or body paint", "Hypnotism", "Weapons as props", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_venues", "label": "Where you perform", "question": "What kinds of venues do you typically perform at, and about how many performances do you do per year?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.16.sections.3.fields", "title": "Equipment & facility", "scope": "Entertainer / Performer / Band", "flow_key": "event_entertainer", "handoff": false, "questions": [ { "key": "ent_own_facility", "label": "Your own facility", "question": "Do you own or operate your own performance facility?", "help": "A facility you run is its own exposure and is quoted alongside, not inside, a performer policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Tell us about the facility (what and where)", "options": [] } }, { "key": "ent_equipment_value", "label": "Equipment & instruments", "question": "Roughly what value of instruments, sound gear, and equipment would you like covered? Enter 0 if you don't need equipment coverage.", "help": "", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.16.sections.4.fields", "title": "Beyond this policy", "scope": "Entertainer / Performer / Band", "flow_key": "event_entertainer", "handoff": false, "questions": [ { "key": "ent_vehicle_use", "label": "Vehicle use", "question": "Do you or your act use any vehicle for the work, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_paid_helpers", "label": "Employees & helpers", "question": "Do you or your act have any employees or paid helpers, like crew or assistants, even part-time, seasonal, or as-needed?", "help": "If anyone works for you, workers compensation may come into play depending on your state. Knowing now means the quote covers the whole picture.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.16.sections.5.fields", "title": "Policy details", "scope": "Entertainer / Performer / Band", "flow_key": "event_entertainer", "handoff": false, "questions": [ { "key": "ent_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving you or your act? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "ent_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ent_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.17.sections.0.fields", "title": "About the business", "scope": "Walk or Run Event", "flow_key": "event_walkrun", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.17.sections.1.fields", "title": "The event", "scope": "Walk or Run Event", "flow_key": "event_walkrun", "handoff": false, "questions": [ { "key": "wr_event_name", "label": "Event name", "question": "What is the name of the event?", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_organizer_name", "label": "Organizer", "question": "What is the name of the organization putting on the event, exactly as it should appear on the policy?", "help": "The policy is written to the organizing charity, club, or company rather than to the event itself, so the exact legal name matters.", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_event_type", "label": "Walk or run", "question": "Is it a walk, a run, or both?", "help": "", "type": "pills", "options": [ "Walk", "Run", "Both walk and run" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_date_from", "label": "Coverage start", "question": "What date should coverage start? Include setup and any packet-pickup or kickoff days.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_date_to", "label": "Coverage end", "question": "What date should coverage end? Include teardown.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_purpose", "label": "Charity or commercial", "question": "Is the event a charity or fundraiser, or a commercial event?", "help": "", "type": "pills", "options": [ "Charity or fundraiser", "Commercial or for-profit" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.17.sections.2.fields", "title": "Course & participants", "scope": "Walk or Run Event", "flow_key": "event_walkrun", "handoff": false, "questions": [ { "key": "wr_location_name", "label": "Course location name", "question": "What is the name of the course location, like the park, venue, or start line?", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_course_address", "label": "Course address", "question": "What is the address of the course or start line?", "help": "", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_course_setting", "label": "Course setting", "question": "Where does the course run?", "help": "Road courses involve traffic control and permits that carriers price for.", "type": "pills", "options": [ "Public roads", "Park or trail", "Track or closed course", "Mixed" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_distances", "label": "Distances", "question": "Which distances are offered?", "help": "", "type": "multichips", "options": [ "1 mile", "5K", "10K", "Half marathon", "Longer than a half marathon" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_participants_timed", "label": "Timed participants", "question": "How many competitive or timed participants do you expect? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_participants_untimed", "label": "Non-competitive participants", "question": "How many non-competitive participants do you expect? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.17.sections.3.fields", "title": "Event features", "scope": "Walk or Run Event", "flow_key": "event_walkrun", "handoff": false, "questions": [ { "key": "wr_special_format", "label": "Event format", "question": "Do any of these describe the event?", "help": "Specialty formats are quoted on different programs than a standard walk or run. Selecting one just routes us there.", "type": "multichips", "options": [ "Obstacle or mud course", "Color powder or glow theme", "Night-time running", "Endurance or multi-day format", "Water or cycling legs", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_animals", "label": "Animals", "question": "Does the event involve animals other than service animals, for example a dog-friendly division?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_professional", "label": "Professional athletics", "question": "Is this a professional sporting event, tryout, or training camp?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_college_championship", "label": "College championship", "question": "Is this a college or university championship event?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_vendors", "label": "Vendors", "question": "Will vendors be at the event?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_waivers", "label": "Waivers", "question": "Do all participants, or parents or guardians of minors, sign a release or waiver?", "help": "A signed waiver is one of the strongest facts in your favor when carriers price a participant event.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "wr_alcohol", "label": "Alcohol", "question": "Will alcohol be sold or provided at the event, for example a finish-line beer garden?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.17.sections.4.fields", "title": "Policy details", "scope": "Walk or Run Event", "flow_key": "event_walkrun", "handoff": false, "questions": [ { "key": "wr_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving you or your organization? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "wr_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.18.sections.0.fields", "title": "About the business", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.18.sections.1.fields", "title": "Your organization", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "ast_org_name", "label": "Organization name", "question": "What is the team, league, or association name, exactly as it should appear on the policy?", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_org_type", "label": "Type of organization", "question": "Which best describes the organization?", "help": "", "type": "pills", "options": [ "Individual team", "League, club, or local association", "National governing body or association" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_sports", "label": "Sport(s)", "question": "What sport or sports do you play? Pick a close match or type your own, and list every sport if there's more than one.", "help": "If your sport isn't in the list, just type it in. Every sport has a home somewhere.", "type": "text", "options": [ "Archery", "Baseball", "Basketball", "Bowling", "Cheerleading", "Cross country", "Fencing", "Field hockey", "Figure skating", "Flag or touch football", "Golf", "Kickball", "Pickleball", "Roller hockey", "Running club (5K or 10K)", "Soccer", "Softball", "Swimming", "Tennis", "Track and field", "Ultimate frisbee", "Volleyball", "Wrestling (amateur youth)", "Youth tackle football", "Youth lacrosse" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_base_state", "label": "Home state", "question": "In which state is the team or league based?", "help": "", "type": "text", "options": [ "Alabama", "Alaska", "Arizona", "Arkansas", "California", "Colorado", "Connecticut", "Delaware", "Florida", "Georgia", "Hawaii", "Idaho", "Illinois", "Indiana", "Iowa", "Kansas", "Kentucky", "Louisiana", "Maine", "Maryland", "Massachusetts", "Michigan", "Minnesota", "Mississippi", "Missouri", "Montana", "Nebraska", "Nevada", "New Hampshire", "New Jersey", "New Mexico", "New York", "North Carolina", "North Dakota", "Ohio", "Oklahoma", "Oregon", "Pennsylvania", "Rhode Island", "South Carolina", "South Dakota", "Tennessee", "Texas", "Utah", "Vermont", "Virginia", "Washington", "West Virginia", "Wisconsin", "Wyoming", "District of Columbia" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_season", "label": "Coverage period", "question": "Do you need coverage for a single season, year-round, or a single tournament or event?", "help": "", "type": "pills", "options": [ "Single season", "Year-round", "Single tournament or event" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_national_program", "label": "National program", "question": "Is the organization a member of a national program, like Little League, Pop Warner, Babe Ruth, or SAY Soccer?", "help": "Some national programs come with their own group insurance or endorsement rules, so it changes what we quote.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "Which program?", "options": [] } }, { "key": "ast_nonprofit", "label": "Nonprofit", "question": "Is the organization a not-for-profit?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_municipal", "label": "Municipal program", "question": "Is the organization a municipality or a parks-and-recreation program?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.18.sections.2.fields", "title": "Participants & teams", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "ast_participants_12u", "label": "Participants 12 and under", "question": "How many participants are 12 and under? Enter 0 if none.", "help": "Carriers rate each age band separately, so rough counts per band beat one overall total.", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_participants_13_15", "label": "Participants 13 to 15", "question": "How many participants are 13 to 15? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_participants_16_19", "label": "Participants 16 to 19", "question": "How many participants are 16 to 19? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_participants_20plus", "label": "Participants 20 and over", "question": "How many participants are 20 and over? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_team_count", "label": "Number of teams", "question": "How many teams are you covering?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_waivers", "label": "Waivers", "question": "Do participants, or parents or guardians of minors, sign a release or waiver?", "help": "A signed waiver is one of the strongest facts in your favor when carriers price a participant sport.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.18.sections.3.fields", "title": "Operations", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "ast_own_facilities", "label": "Facilities", "question": "Do you own or operate any sports fields, courts, or facilities on a 24-hour basis?", "help": "Running a facility around the clock is a premises exposure on top of the team activity, so it's quoted accordingly.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_players_paid", "label": "Paid players", "question": "Are any players compensated or paid to play?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_school_sanctioned", "label": "School sanctioned", "question": "Is the organization school-sanctioned, like a school team or district program?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_residential_activities", "label": "Residential property", "question": "Are any activities held on residential property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_pool_activities", "label": "Pool activities", "question": "Do any activities take place at a pool you own, operate, or manage?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.18.sections.4.fields", "title": "Coverage preferences", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "ast_gl_limit", "label": "Liability limit", "question": "What general liability limit would you like quoted?", "help": "Sanctioning bodies and field owners often set a minimum. If you're not sure, pick the last option and Lee can recommend one.", "type": "pills", "options": [ "$1 million", "$2 million", "$3 million", "$4 million", "$5 million", "Not sure, recommend for me" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_medpay_limit", "label": "Participant medical payments", "question": "What limit would you like for participant medical payments?", "help": "This pays participants' medical bills after an injury regardless of fault, which often heads off a liability claim.", "type": "pills", "options": [ "$25,000", "$100,000", "$250,000", "Not sure, recommend for me" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.18.sections.5.fields", "title": "Optional coverages", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "ast_abuse_coverage", "label": "Abuse & molestation coverage", "question": "Would you like abuse and molestation (sexual misconduct) liability included in the quote?", "help": "Most youth-sports organizations carry this today, and many sanctioning bodies and facilities ask to see it.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_abuse_contact", "label": "Participant contact", "question": "Do you have employees, volunteers, or independent contractors who are in contact with participants?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Abuse & molestation coverage is Yes", "coverage_lines": [] }, { "key": "ast_abuse_screening", "label": "Screening practices", "question": "Which of these screening practices are in place for staff and volunteers?", "help": "Carriers price this coverage on prevention practices. Whatever is in place today is the right answer.", "type": "multichips", "options": [ "Written applications", "Applicants are asked about criminal convictions", "Third-party background checks", "Applicants with a violent or sex-offense history are not accepted", "None of these apply" ], "required": false, "show_if": "Abuse & molestation coverage is Yes", "coverage_lines": [] }, { "key": "ast_abuse_procedures", "label": "Written procedures & training", "question": "Which of these written procedures and trainings are in place?", "help": "", "type": "multichips", "options": [ "Recognizing signs of abuse", "Reporting to law enforcement or authorities", "Procedures are available to staff and volunteers", "No unsupervised one-on-one contact with participants", "Supervision procedures", "Physical-contact and communication policy", "None of these apply" ], "required": false, "show_if": "Abuse & molestation coverage is Yes", "coverage_lines": [] }, { "key": "ast_abuse_history", "label": "Prior situations", "question": "Have there been any abuse or misconduct claims, allegations, charges, or situations you're aware of that could lead to a claim?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Abuse & molestation coverage is Yes", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Describe the facts and current status. Please don't include names of the individuals involved.", "options": [] } }, { "key": "ast_tournaments", "label": "Hosted tournaments", "question": "Do you host tournaments and want them covered?", "help": "Tournaments you host bring in outside participants and spectators, so each one is listed on the policy individually.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_tournaments_same", "label": "Same sports and ages", "question": "Do your hosted tournaments follow the same sports and age groups as the team or league?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Hosted tournaments is Yes", "coverage_lines": [] }, { "key": "ast_tournament_list", "label": "Tournament schedule", "question": "Add each tournament you host.", "help": "", "type": "property_repeater", "options": [], "required": false, "show_if": "Hosted tournaments is Yes", "coverage_lines": [], "subfields": [ { "key": "event_name", "label": "Event name", "type": "text", "options": [] }, { "key": "location_name", "label": "Location name", "type": "text", "options": [] }, { "key": "address", "label": "Address", "type": "text", "options": [] }, { "key": "date_from", "label": "Date from", "type": "date", "options": [] }, { "key": "date_to", "label": "Date to", "type": "date", "options": [] }, { "key": "event_days", "label": "Event days (not counting setup or teardown)", "type": "number", "options": [] }, { "key": "outside_participants", "label": "Outside (non-rostered) participants expected", "type": "number", "options": [] } ] }, { "key": "ast_equipment_coverage", "label": "Equipment & contents", "question": "Would you like coverage for equipment and contents, like team gear, field maintenance equipment, concession equipment, or storage units?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_equipment_value", "label": "Equipment value", "question": "What is the total replacement value of the equipment and contents?", "help": "Insuring the full replacement value means a loss can actually re-buy the gear.", "type": "money", "options": [], "required": false, "show_if": "Equipment & contents is Yes", "coverage_lines": [] }, { "key": "ast_equipment_high_value", "label": "High-value items", "question": "List any single item valued over $5,000 with its value, or write None.", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "Equipment & contents is Yes", "coverage_lines": [] }, { "key": "ast_do_coverage", "label": "Directors & officers", "question": "Would you like directors & officers liability included for the organization's board?", "help": "D&O protects board members personally for decisions they make running the organization, separate from injury liability.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.18.sections.6.fields", "title": "Beyond this policy", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "ast_vehicle_use", "label": "Vehicle use", "question": "Does the organization use any vehicle for its activities, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_paid_helpers", "label": "Employees & helpers", "question": "Does the organization have any employees or paid staff, even part-time, seasonal, or as-needed?", "help": "If anyone works for you, workers compensation may come into play depending on your state. Knowing now means the quote covers the whole picture.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.18.sections.7.fields", "title": "Certificates & policy details", "scope": "Amateur Sports Team / League / Association", "flow_key": "event_sports_team", "handoff": false, "questions": [ { "key": "ast_certificates", "label": "Certificates & additional insureds", "question": "Does anyone require a certificate of insurance or ask to be named as additional insured, like a field owner, sponsor, or co-promoter?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "party_rows", "label": "Add each party (interest type, name, address)", "options": [ "Owner, manager or lessor of premises", "Sponsor", "Co-promoter", "Lienholder / loss payee", "Other" ] } }, { "key": "ast_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving the organization? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "ast_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ast_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.19.sections.0.fields", "title": "About the business", "scope": "Fitness, Yoga, Dance or Sports Instructor", "flow_key": "event_instructor", "handoff": false, "questions": [ { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": false, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.19.sections.1.fields", "title": "What you teach", "scope": "Fitness, Yoga, Dance or Sports Instructor", "flow_key": "event_instructor", "handoff": false, "questions": [ { "key": "ins_teach_focus", "label": "Your focus", "question": "What do you teach?", "help": "", "type": "pills", "options": [ "Fitness or exercise", "Yoga", "Dance", "Sports skills", "Multiple of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_activities", "label": "Classes & activities", "question": "What activities or classes do you teach?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_yoga_styles", "label": "Yoga styles", "question": "What styles of yoga do you teach? Pick a close match or type your own, listing all that apply.", "help": "If you teach aerial or anti-gravity yoga, include your certification details under certifications below. Carriers ask for them on those styles.", "type": "text", "options": [ "Hatha", "Vinyasa", "Ashtanga", "Yin", "Restorative", "Hot yoga", "Power", "Kundalini", "Iyengar", "Prenatal or postnatal", "Acrobatic or partner yoga", "Aerial or anti-gravity yoga" ], "required": false, "show_if": "Your focus is one of: Yoga; Multiple of these", "coverage_lines": [] }, { "key": "ins_aerial_acro", "label": "Aerial or acrobatic formats", "question": "Do you teach any aerial, suspended, or acrobatic formats?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Your focus is one of: Yoga; Dance; Multiple of these", "coverage_lines": [] }, { "key": "ins_sports_taught", "label": "Sports you teach", "question": "Which sports do you teach? Pick a close match or type your own, listing all that apply.", "help": "", "type": "text", "options": [ "Baseball", "Basketball", "Soccer", "Softball", "Volleyball", "Tennis", "Pickleball", "Golf", "Swimming", "Track and field", "Running or cross country", "Football skills", "Hockey", "Lacrosse", "Figure skating" ], "required": false, "show_if": "Your focus is one of: Sports skills; Multiple of these", "coverage_lines": [] }, { "key": "ins_higher_risk", "label": "Instruction screeners", "question": "Does your instruction include any of these?", "help": "These disciplines are placed with specific markets. Selecting one just tells us where to shop.", "type": "multichips", "options": [ "Gymnastics or tumbling on apparatus", "Martial arts", "Equestrian", "Water sports or open water", "Climbing", "Cycling on roads", "None of these apply" ], "required": false, "show_if": "Your focus is one of: Sports skills; Multiple of these", "coverage_lines": [] }, { "key": "ins_certifications", "label": "Certifications", "question": "What certifications do you hold?", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.19.sections.2.fields", "title": "How and where you teach", "scope": "Fitness, Yoga, Dance or Sports Instructor", "flow_key": "event_instructor", "handoff": false, "questions": [ { "key": "ins_where", "label": "Where you teach", "question": "Where do you teach?", "help": "A facility you own or lease is its own exposure and is quoted alongside your instructor policy.", "type": "pills", "options": [ "Client homes or online", "Gyms or studios I rent or drop into", "A studio or facility I own or lease", "Outdoors or public spaces", "A mix of these" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_employs_others", "label": "Other instructors", "question": "Do you employ or contract other instructors?", "help": "An individual instructor policy covers only the named instructor. If others teach under you, we can quote a policy shaped for that instead.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_under_18", "label": "Your age", "question": "Are you under 18?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_school_employed", "label": "School employment", "question": "Are you employed by a school, college, or university for this teaching?", "help": "Teaching done as a school employee is usually covered by the school, so your own policy is aimed at the work that's actually yours.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_team_coaching", "label": "Team coaching", "question": "Do you coach organized competitive teams?", "help": "Coaching a competitive team is a different product than teaching skills. We can quote both.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_athletic_trainer", "label": "Athletic trainer", "question": "Are you a certified athletic trainer working in that capacity?", "help": "Athletic trainers carry a professional liability policy of their own. This just routes you correctly.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.19.sections.3.fields", "title": "Business details", "scope": "Fitness, Yoga, Dance or Sports Instructor", "flow_key": "event_instructor", "handoff": false, "questions": [ { "key": "ins_annual_revenue", "label": "Instruction revenue", "question": "Roughly how much do you earn per year from instruction?", "help": "", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_students_week", "label": "Students per week", "question": "About how many students do you teach in a typical week?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.19.sections.4.fields", "title": "Beyond this policy", "scope": "Fitness, Yoga, Dance or Sports Instructor", "flow_key": "event_instructor", "handoff": false, "questions": [ { "key": "ins_vehicle_use", "label": "Vehicle use", "question": "Do you use any vehicle for your teaching work, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.19.sections.5.fields", "title": "Policy details", "scope": "Fitness, Yoga, Dance or Sports Instructor", "flow_key": "event_instructor", "handoff": false, "questions": [ { "key": "ins_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving you? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "ins_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ins_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.20.sections.0.fields", "title": "About the business", "scope": "Dance School / Studio", "flow_key": "event_dance_school", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.20.sections.1.fields", "title": "Your studio", "scope": "Dance School / Studio", "flow_key": "event_dance_school", "handoff": false, "questions": [ { "key": "dsp_school_name", "label": "School / studio name", "question": "What is the school or studio name, exactly as it should appear on the policy?", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_styles_concert", "label": "Concert & performance styles", "question": "Which of these styles do you teach? Social and cultural styles are next.", "help": "", "type": "multichips", "options": [ "Ballet", "Tap", "Jazz", "Contemporary", "Modern", "Hip hop", "Acro dance", "Clogging", "Irish step", "Flamenco", "Belly dancing" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_styles_social", "label": "Social & cultural styles", "question": "And which of these?", "help": "Between the two lists, select every style on your schedule. The mix of styles drives rating on studio policies.", "type": "multichips", "options": [ "Ballroom", "Latin", "Salsa", "Swing", "Tango", "Country western", "Square", "Folk", "Cultural or ethnic", "Hawaiian", "Scottish", "Zumba or dance fitness" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_facility", "label": "Your space", "question": "Is your studio space owned or leased?", "help": "", "type": "pills", "options": [ "We own our space", "We lease our space", "No dedicated space (we rent rooms as needed)" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.20.sections.2.fields", "title": "Students & instructors", "scope": "Dance School / Studio", "flow_key": "event_dance_school", "handoff": false, "questions": [ { "key": "dsp_students", "label": "Enrolled students", "question": "How many students are enrolled?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_age_mix", "label": "Student ages", "question": "Which age groups do you teach?", "help": "", "type": "multichips", "options": [ "5 and under", "6-12", "13-17", "18 and over" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_w2_instructors", "label": "Employed instructors", "question": "How many W-2 employee instructors do you have? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_contract_instructors", "label": "Independent contractors", "question": "Do independent-contractor instructors teach at your facility?", "help": "Contractor instructors are common. Carriers just want to know whether they're covered under your policy or their own.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "How many, and do they carry their own liability insurance?", "options": [] } } ] }, { "id": "flows.20.sections.3.fields", "title": "Programs & safety", "scope": "Dance School / Studio", "flow_key": "event_dance_school", "handoff": false, "questions": [ { "key": "dsp_offsite", "label": "Off-premises activities", "question": "Do you hold activities away from your facility, other than competitions, demonstrations, parades, or fundraisers?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What off-site activities, and where?", "options": [] } }, { "key": "dsp_events_hosted", "label": "Recitals & competitions", "question": "About how many recitals or competitions do you host per year? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_inflatables", "label": "Inflatables", "question": "Do you use any inflatable devices, like bounce houses at events?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_parkour", "label": "Parkour & tricking", "question": "Do you have programs involving parkour, extreme tumbling, tricking, free-running, or similar?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_aerial", "label": "Aerial & acro programs", "question": "Do you offer aerial or acro programs, like silks, hoop, or acro dance beyond floor work?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_concussion", "label": "Head-injury practices", "question": "Which of these practices are in place for suspected head injuries?", "help": "Carriers give credit for a written concussion protocol. Whatever you do today is the right answer.", "type": "multichips", "options": [ "Participants are removed from class or practice immediately after a suspected head injury", "Participants are cleared by a professional before returning", "A written concussion action plan is shared with staff and parents", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_waivers", "label": "Waivers", "question": "Do students, or parents or guardians of minors, sign a release or waiver?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.20.sections.4.fields", "title": "Beyond this policy", "scope": "Dance School / Studio", "flow_key": "event_dance_school", "handoff": false, "questions": [ { "key": "dsp_vehicle_use", "label": "Vehicle use", "question": "Does the studio use any vehicle for its operations, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.20.sections.5.fields", "title": "Policy details", "scope": "Dance School / Studio", "flow_key": "event_dance_school", "handoff": false, "questions": [ { "key": "dsp_nonrenewal", "label": "Current carrier", "question": "If you have coverage today, is your current carrier non-renewing it?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving the studio? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "dsp_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dsp_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.21.sections.0.fields", "title": "About the business", "scope": "Activity & Social Club", "flow_key": "event_club", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.21.sections.1.fields", "title": "Your club", "scope": "Activity & Social Club", "flow_key": "event_club", "handoff": false, "questions": [ { "key": "asc_club_name", "label": "Club name", "question": "What is the club's name, exactly as it should appear on the policy?", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_activities", "label": "Club activities", "question": "What does the club do? Select all that apply.", "help": "Pick Something else if nothing fits. Almost every club has a home somewhere, and Lee can find the right market for it.", "type": "multichips", "options": [ "Art", "Birdwatching", "Book club", "Calligraphy", "Collector club", "Cooking", "Craft making", "Cultural club", "Games or cards (non-gambling)", "Garden", "Genealogy", "History", "Model trains or model cars", "Needlework", "Peer support group (no licensed facilitators)", "Puppetry", "Scrapbooking", "Something else" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_org_type", "label": "Club or association", "question": "Is this an individual club or group, or an association with chapters or member groups?", "help": "", "type": "pills", "options": [ "Individual club or group", "Association (chapters or member groups)" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_member_count", "label": "Members", "question": "About how many members does the club have?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_all_members", "label": "Who's covered", "question": "Are you seeking coverage for all members and participants of the club?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.21.sections.2.fields", "title": "Meetings & activities", "scope": "Activity & Social Club", "flow_key": "event_club", "handoff": false, "questions": [ { "key": "asc_meeting_place", "label": "Where you meet", "question": "Where does the club usually meet?", "help": "", "type": "pills", "options": [ "A rented hall or room", "Member homes", "A facility we own", "Public spaces", "Mostly online" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_facility", "label": "Facility responsibility", "question": "Is the club responsible for the ownership, operation, or maintenance of a facility?", "help": "A facility the club runs is a premises exposure on top of the club activity, so it's quoted accordingly.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Tell us about the facility (what and where)", "options": [] } }, { "key": "asc_public_events", "label": "Public events", "question": "Do you host, sponsor, or organize any activities or events that are open to the public?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What kind of events, and about how many per year?", "options": [] } }, { "key": "asc_annual_budget", "label": "Annual budget", "question": "Roughly what is the club's annual budget or revenue, including dues and fundraising?", "help": "", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.21.sections.3.fields", "title": "Beyond this policy", "scope": "Activity & Social Club", "flow_key": "event_club", "handoff": false, "questions": [ { "key": "asc_vehicle_use", "label": "Vehicle use", "question": "Does the club use any vehicle for its activities, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_paid_helpers", "label": "Employees & helpers", "question": "Does the club have any employees or paid staff, even part-time, seasonal, or as-needed?", "help": "If anyone works for you, workers compensation may come into play depending on your state. Knowing now means the quote covers the whole picture.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.21.sections.4.fields", "title": "Policy details", "scope": "Activity & Social Club", "flow_key": "event_club", "handoff": false, "questions": [ { "key": "asc_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving the club? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "asc_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "asc_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.22.sections.0.fields", "title": "About the business", "scope": "Outfitters & Guides", "flow_key": "event_outfitter", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.22.sections.1.fields", "title": "Your operation", "scope": "Outfitters & Guides", "flow_key": "event_outfitter", "handoff": false, "questions": [ { "key": "ong_business_name", "label": "Business name", "question": "What is the business or operation name, exactly as it should appear on the policy?", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_years_operating", "label": "Years operating", "question": "How many years has the operation been running?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_territory", "label": "Where you operate", "question": "Where do you operate? List the states, the public lands or waters you use, and any permits you hold.", "help": "", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.22.sections.2.fields", "title": "Activities offered", "scope": "Outfitters & Guides", "flow_key": "event_outfitter", "handoff": false, "questions": [ { "key": "ong_activities_land", "label": "Land activities", "question": "Which land-based activities do you offer?", "help": "", "type": "multichips", "options": [ "Backpacking", "Camping", "Guided hiking", "Guided hunting", "Snowshoeing", "Cross-country skiing", "Eco tours", "Guided bicycle tours", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_activities_water", "label": "Water activities", "question": "Which water-based activities do you offer?", "help": "", "type": "multichips", "options": [ "Guided fishing", "Non-guided fishing", "Paddling or paddleboarding trips", "Kayak, canoe, raft, or tube rentals", "Paddling or surf schools", "Surfing or windsurfing", "Snorkeling", "Shoreline sailing", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_activities_facilities", "label": "Facilities & retail", "question": "Do any of these round out the operation?", "help": "", "type": "multichips", "options": [ "Campgrounds", "Lodges or cabins we own", "Retail sales", "Livery or shuttle service for our own trips", "Bicycle rentals alongside our trips", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_revenue_mix", "label": "Revenue mix", "question": "Roughly what share of your revenue comes from each activity? Ballpark percentages are fine.", "help": "Several outdoor activities are rated by their share of revenue, so a rough split gets you a truer quote.", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_higher_risk", "label": "A few screeners", "question": "Do any of these apply to your operation?", "help": "These are placed with specialty markets. Selecting one just tells us where to shop.", "type": "multichips", "options": [ "Water trips more than 1 mile from shore or on Class IV or V water", "Climbing, rappelling, canyoneering, or ice climbing", "ATVs, snowmobiles, or motorized bikes", "Horses or other saddle animals", "Transporting other people's property or charter services", "Alcohol sales", "None of these apply" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.22.sections.3.fields", "title": "People & practices", "scope": "Outfitters & Guides", "flow_key": "event_outfitter", "handoff": false, "questions": [ { "key": "ong_annual_receipts", "label": "Annual receipts", "question": "Roughly what are your annual gross receipts?", "help": "", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_guide_employees", "label": "Employee guides", "question": "How many employee guides do you have? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_contract_guides", "label": "Contract & seasonal guides", "question": "Do you use 1099 or seasonal guides?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "About how many per season?", "options": [] } }, { "key": "ong_participants_year", "label": "Participants per year", "question": "About how many participants or guests do you serve per year?", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_waivers", "label": "Waivers", "question": "Do participants sign a release or waiver?", "help": "A signed waiver is one of the strongest facts in your favor when carriers price guided recreation.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.22.sections.4.fields", "title": "Beyond this policy", "scope": "Outfitters & Guides", "flow_key": "event_outfitter", "handoff": false, "questions": [ { "key": "ong_vehicle_use", "label": "Vehicle use", "question": "Does the operation use any vehicle for its work, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.22.sections.5.fields", "title": "Policy details", "scope": "Outfitters & Guides", "flow_key": "event_outfitter", "handoff": false, "questions": [ { "key": "ong_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving the operation? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } }, { "key": "ong_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ong_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.23.sections.0.fields", "title": "About the business", "scope": "Nonprofit Board (D&O)", "flow_key": "event_nonprofit_do", "handoff": false, "questions": [ { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name / DBA (optional)", "question": "Only if customers see a different name than the legal name above, such as the name on your signs, invoices, or website. Not a license number or license classification. Leave blank if the legal name is the only name you use.", "help": "", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pills", "options": [ "Brand new (not operating yet)", "Recently started (under a year)", "Established (1+ years)", "Buying an existing business" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "number", "options": [], "required": true, "show_if": "Business stage is one of: Recently started (under a year); Established (1+ years)", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": false, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] } ] }, { "id": "flows.23.sections.1.fields", "title": "Your organization", "scope": "Nonprofit Board (D&O)", "flow_key": "event_nonprofit_do", "handoff": false, "questions": [ { "key": "dno_org_name", "label": "Organization name", "question": "What is the organization's name, exactly as it should appear on the policy?", "help": "", "type": "text", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_org_activity", "label": "What it does", "question": "What does the organization do? Pick a close match or type your own.", "help": "", "type": "text", "options": [ "Chamber of commerce", "Community center", "Camp", "Fair or festival organizer", "Youth sports organization", "Amateur sports league or event", "Museum", "Historical society or site", "Parade organizer", "Arts or cultural organization", "Youth club or mentoring program", "Botanical garden or zoo", "Trade show or convention organizer", "Charity event organizer", "Social or community group" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_nonprofit_status", "label": "Nonprofit status", "question": "What is the organization's nonprofit status?", "help": "For-profit boards are quoted on different D&O forms, so this just points us to the right market.", "type": "pills", "options": [ "501(c)(3) nonprofit", "Other nonprofit", "Not a nonprofit" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_government", "label": "Government entity", "question": "Is the organization a government entity?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_hq", "label": "State or national headquarters", "question": "Is this entity the headquarters or main office of a state or national association?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.23.sections.2.fields", "title": "People & finances", "scope": "Nonprofit Board (D&O)", "flow_key": "event_nonprofit_do", "handoff": false, "questions": [ { "key": "dno_ft_employees", "label": "Full-time employees", "question": "How many full-time compensated employees? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_pt_employees", "label": "Part-time employees", "question": "How many part-time compensated employees? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_volunteers", "label": "Volunteers", "question": "About how many volunteers? Enter 0 if none.", "help": "", "type": "number", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_annual_revenue", "label": "Annual gross revenue", "question": "What is the organization's annual gross revenue, including fees, sponsorships, fundraising, membership, and ticket sales?", "help": "", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_total_assets", "label": "Total assets", "question": "What are the organization's total assets on its financial statement?", "help": "", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_total_liabilities", "label": "Total liabilities", "question": "And its total liabilities?", "help": "Assets and liabilities give the carrier a quick read on the organization's financial footing, a standard D&O rating input.", "type": "money", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.23.sections.3.fields", "title": "Insurance history", "scope": "Nonprofit Board (D&O)", "flow_key": "event_nonprofit_do", "handoff": false, "questions": [ { "key": "dno_current_do", "label": "Current D&O", "question": "Does the organization currently carry directors & officers coverage?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "text", "label": "Current carrier and renewal date", "options": [] } }, { "key": "dno_current_gl", "label": "General liability", "question": "Does the organization currently carry general liability insurance?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_epli_interest", "label": "Employment practices", "question": "Would you like employment practices liability included in the quote?", "help": "Employment claims, like wrongful termination or discrimination allegations, are the most common claim source for nonprofit boards, so most D&O buyers add it.", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_prior_declination", "label": "Carrier history", "question": "Has any carrier cancelled, rescinded, non-renewed, or declined similar coverage in the past 5 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "What happened, and when?", "options": [] } }, { "key": "dno_claims", "label": "Claims & incidents", "question": "In the past 5 years, have there been any insurance claims or losses involving the organization or its board? Answer Yes as well if you're aware of any incident or circumstance that could reasonably give rise to a claim, even if nothing has been filed yet.", "help": "Every carrier asks this. A past claim or a known incident rarely stops a quote, it just needs to be described accurately up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [], "detail": { "when": "Yes", "type": "textarea", "label": "Please describe each claim, loss, or circumstance, and note whether it is open or resolved", "options": [] } } ] }, { "id": "flows.23.sections.4.fields", "title": "Beyond this policy", "scope": "Nonprofit Board (D&O)", "flow_key": "event_nonprofit_do", "handoff": false, "questions": [ { "key": "dno_vehicle_use", "label": "Vehicle use", "question": "Does the organization use any vehicle for its activities, including a personally owned one? Driving to venues, events, classes, or client locations counts.", "help": "If a vehicle helps get the work done, even an owner's personal car, it's worth checking that the driving is actually covered. Personal auto policies can leave business driving out, so if this applies we can bring commercial or hired and non-owned auto into the conversation.", "type": "pills", "options": [ "Yes", "No", "Not sure" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_other_coverage", "label": "Other coverage to consider", "question": "Beyond this policy, which of these would you like us to also look at?", "help": "If any of these fit your operation, we can quote them at the same time. If nothing fits right now, or you already have it handled elsewhere, the last two choices let you say exactly that.", "type": "multichips", "options": [ "Commercial auto", "Workers compensation", "Equipment coverage", "Cyber liability", "None of these right now", "I already have other coverage in place" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.23.sections.5.fields", "title": "Policy details", "scope": "Nonprofit Board (D&O)", "flow_key": "event_nonprofit_do", "handoff": false, "questions": [ { "key": "dno_effective_date", "label": "Effective date", "question": "When would you like coverage to begin? A near-term placeholder date is fine.", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dno_mailing_address", "label": "Mailing address", "question": "What is the best mailing address for your policy documents?", "help": "This is where the policy and any carrier mail get sent. A home address is fine.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "standard_sections.0.items", "title": "About the Business", "scope": "Business", "handoff": false, "questions": [ { "key": "business_description", "label": "Business description", "question": "What services or products will the business provide? The more detail you can share, the better I can match your quote and policy correctly.", "help": "This is the most important answer on the form. Carriers match your operations to specific classifications, and an accurate description prevents coverage gaps or disputes later.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dba", "label": "Trade name (DBA)", "question": "Does the business go by a public name that is different from its legal name? A DBA, or trade name, is the name customers see on your signs, invoices, and website. For example, a company registered as Sonoran Holdings LLC that everyone knows as Desert Drywall. It is not a license number or a license classification. If the legal name is the only name you use, just answer No.", "help": "Certificates and policy documents should show the exact name your clients and landlord see. If the legal name is the only name in use, there is nothing to add here.", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "entity_type", "label": "Legal entity type", "question": "Is the business an LLC, corporation, partnership, sole proprietorship, or non-profit?", "help": "The legal entity goes on the policy, and coverage options for owners differ between sole proprietors, LLCs, and corporations.", "type": "entity", "options": [ "LLC", "Corporation", "S corporation", "Partnership", "Sole proprietorship", "Non-profit organization", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_stage", "label": "Business stage", "question": "Which best describes the business today: brand new and not operating yet, recently started and operating for less than a year, established and operating for a year or more, or are you buying an existing business?", "help": "A new venture and an established business are quoted differently. Where there's operating history, carriers ask for it; where there isn't, they rate on the owner's experience instead. Knowing the stage up front keeps every later answer, and your application, accurate.", "type": "pillset", "options": [ "Brand new (not operating yet) The business has been formed or planned but has not started operations yet.", "Recently started (under a year) The business is actively operating and has been open for less than 12 months.", "Established (1+ years) The business has been operating for at least one full year.", "Buying an existing business You are under contract or negotiating to acquire a business that is already operating. You will need your own coverage in place at or before closing — the seller's policy does not transfer to you." ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_start_year", "label": "Year business established", "question": "What year was the business established?", "help": "Most carrier applications ask how long the business has been in operation. Answering it once here means it's filled consistently on every carrier form. If ownership has changed, use the year it began operating under current ownership.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "new_business_experience", "label": "Your experience in this line of work", "question": "Because the business started within the last two years, please describe your experience in this type of work and your experience managing a business or a crew, including years and roles. Carriers typically ask this about newer businesses before they are comfortable offering a quote, so a complete answer here helps.", "help": "Underwriters use the owner's background to rate a business that does not yet have its own operating history. This is a description, not a guarantee of any outcome.", "type": "textarea", "options": [], "required": true, "show_if": "(Business stage is one of: Brand new (not operating yet); Recently started (under a year) OR Year business established is between the current calendar year minus 2 and the current calendar year)", "coverage_lines": [] }, { "key": "business_acquisition_details", "label": "Business being acquired", "question": "If you're buying an existing business: what is the name of the business you're acquiring, roughly how long has it been operating, and when do you expect the purchase to close?", "help": "To a carrier, your purchase is usually a new venture for the new entity even though the operation has history. The seller's policy doesn't transfer to you, so coverage is set up to start at closing, and the operation's track record is disclosed so you get credit for it.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "experience", "label": "Experience & qualifications", "question": "How much experience do you have in this line of work, and do you hold any relevant licenses, certifications, or training?", "help": "Experience and licensing directly affect which carriers will offer coverage and at what price. More experience usually means better rates.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "website", "label": "Website / marketing", "question": "Do you have a website, social media page, or other materials you can share?", "help": "A quick look at how you present the business helps us describe your operations to underwriters accurately.", "type": "passthru", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "standard_sections.1.items", "title": "Coverage You're Looking For", "scope": "Business", "handoff": false, "questions": [ { "key": "coverages_needed", "label": "Coverages to consider", "question": "What coverage are you looking for today? Select any you are already interested in. You do not need to know exactly what you need: if you pick 'I'm not sure, help me identify what to consider', the questions that follow will help surface what is worth discussing. Lee may also identify other coverages worth considering. (for example general liability, workers comp, commercial auto, tools & equipment, Not-for-profit directors & officers liability (D&O), or 'I'm not sure, help me identify what to consider')", "help": "Your selections tell us what you are initially interested in. They are a starting point, not a limit on what your business may need. We also ask a few brief questions about your operations so Lee can spot other coverages worth considering.", "type": "multichips", "options": [ "I'm not sure, help me identify what to consider", "General liability", "Workers compensation", "Commercial auto", "Commercial property", "Tools & equipment", "Inland marine", "Professional liability (E&O)", "Cyber liability", "Umbrella", "Not-for-profit directors & officers liability (D&O)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "standard_sections.2.items", "title": "Location & Operations", "scope": "Business", "handoff": false, "questions": [ { "key": "premises_type", "label": "Home office or commercial space", "question": "Is your business location a home office, or a rented or owned commercial space?", "help": "A home office and a rented space carry different property exposures, and landlords usually require specific coverage in the lease. It also sets the square footage we use to rate the space.", "type": "pillset", "options": [ "Home office", "Rented commercial space", "Owned commercial space" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "business_address", "label": "Business address", "question": "What is the street address of the business, and roughly how many square feet is the space? For a home office, just the office area is fine.", "help": "Carriers rate partly by location, and the address appears on your policy documents.", "type": "address", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "additional_locations", "label": "Additional locations", "question": "Does the business operate from more than one location? If so, please list the address and approximate square footage of each additional location.", "help": "Every location is listed and rated separately on the policy, so we need the address and size of each additional place you operate.", "type": "locations", "options": [ "No, just one location", "Yes, more than one" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "commercial_property", "umbrella" ] }, { "key": "premises_ownership", "label": "Who owns the space", "question": "If you own your space: is it owned by you or the business directly, or by another entity you manage that rents it back to the business?", "help": "When a separate LLC owns the building and leases it to the operating business, both entities need to be set up correctly on the policy for claims to pay.", "type": "pillset", "options": [ "Owned by me or the business", "Owned by another entity I manage, rented back to the business", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "building_coverage", "label": "Building coverage", "question": "If you own the building: do you want building coverage included in the quote?", "help": "Building coverage rebuilds the structure itself after fire, storm, or other covered damage, separate from your contents and equipment. If there's a mortgage, the lender will require it.", "type": "pillset", "options": [ "Yes, include building coverage", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "year_built", "label": "Year built", "question": "What year was the building built?", "help": "Property carriers rate on age before almost anything else, so the year built lets us go straight to the right market. Only needed if the quote will cover the building or your business property.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "construction_type", "label": "Construction type", "question": "What is the building's construction type?", "help": "Wood frame, masonry or block, steel, and concrete each rate very differently for fire. Only needed if the quote will cover the building or your business property.", "type": "pillset", "options": [ "Wood frame", "Masonry or block", "Steel", "Concrete", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "stories", "label": "Number of stories", "question": "How many stories is the building?", "help": "Height affects property rating and, for some operations, liability. Only needed if the quote will cover the building or your business property.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "sprinklered", "label": "Fire sprinkler system", "question": "Is the building protected by a fire sprinkler system?", "help": "A monitored sprinkler system can meaningfully lower the property rate. Only needed if the quote will cover the building or your business property.", "type": "pillset", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "roof_year", "label": "Roof last replaced", "question": "Roughly what year was the roof last replaced? If it is the original roof, give the year the building was built. If you do not know, answer Not sure.", "help": "Roof age is one of the first things a property carrier checks. Only needed if the quote will cover the building or your business property.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "mailing_address", "label": "Mailing address", "question": "Is your mailing address the same as the business address? If it's different, please share it.", "help": "This is where your policy documents and any important notices are sent.", "type": "mailing", "options": [ "Same as the business address" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "work_location", "label": "Where you interact with customers", "question": "Where will you interact with customers: do they come to your location, do you go to their homes or job sites, is everything online/remote, or a mix?", "help": "This is really a general liability question: whether clients visit you, you work at their property, or everything is remote changes which liability exposures matter and how carriers class the risk.", "type": "multichips", "options": [ "Customers come to our location", "We go to customer homes or job sites", "Online / remote only" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "operations_area", "label": "States of operation", "question": "Will all of your work take place in Arizona? If not, list every state where you will work or have employees.", "help": "Policies can carry state-specific exclusions, and workers compensation must be arranged for every state where you have employees or jobs, so this changes how we structure your coverage.", "type": "states", "options": [ "Alabama", "Alaska", "Arizona", "Arkansas", "California", "Colorado", "Connecticut", "Delaware", "Florida", "Georgia", "Hawaii", "Idaho", "Illinois", "Indiana", "Iowa", "Kansas", "Kentucky", "Louisiana", "Maine", "Maryland", "Massachusetts", "Michigan", "Minnesota", "Mississippi", "Missouri", "Montana", "Nebraska", "Nevada", "New Hampshire", "New Jersey", "New Mexico", "New York", "North Carolina", "North Dakota", "Ohio", "Oklahoma", "Oregon", "Pennsylvania", "Rhode Island", "South Carolina", "South Dakota", "Tennessee", "Texas", "Utah", "Vermont", "Virginia", "Washington", "West Virginia", "Wisconsin", "Wyoming", "District of Columbia" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "professional_services_exposure", "label": "Professional advice or services", "question": "Does the business give advice or provide professional, design, consulting, healthcare, technology, financial, or similar services where a client could claim your work caused them a financial loss? (Yes / No / I'm not sure)", "help": "General liability generally is not meant to cover claims that arise purely from professional advice or errors in your work. Your answer just helps Lee flag whether professional liability (also called errors and omissions) is worth discussing. It does not commit you to buying anything.", "type": "pillset", "options": [ "Yes", "No", "I'm not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "products_completed_ops", "label": "Products or completed work", "question": "Does the business make, import, distribute, sell, install, repair, or alter any products, or leave finished work behind such as an installation or a repair? (Yes / No / I'm not sure)", "help": "Finished work includes jobs you complete and leave behind, for example a floor you cleaned, a fixture you installed, a lawn you treated, or a repair you made. Claims can arise after the job is done, which is why carriers ask.", "type": "pillset", "options": [ "Yes", "No", "I'm not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "standard_sections.3.items", "title": "People & Payroll", "scope": "Business", "handoff": false, "questions": [ { "key": "owners", "label": "Owners", "question": "How many owners does the business have, and what are their names? For each owner, if we quote workers compensation, would they want to be included in coverage or excluded?", "help": "Owner names go on the application. Owners can usually choose to be included in or excluded from workers comp: excluding lowers the premium but leaves the owner without work-injury coverage, and some client contracts require owners to be covered.", "type": "owners", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "common_ownership_other_business", "label": "Ownership in another business", "question": "Do you or any other owner hold 50% or more of another business? (Yes / No / Not sure)", "help": "Carriers use this answer to understand whether related business operations affect the quote. Not sure is fine.", "type": "pillset", "options": [ "Yes", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "employees", "label": "Employees & 1099 workers", "question": "Do you have or plan to hire any employees, including 1099 workers who really work like employees (they work mainly for you, don't carry their own insurance, and don't run a separate business)? If yes: how many full-time and part-time, what do they do, and in which state(s)?", "help": "Employee counts, duties, and locations decide whether workers compensation is required and how it's classed and priced. A 1099 worker who doesn't pass the 'sniff test' (their own business, own insurance, own clients) gets treated as your employee at audit, so it's better to count them here up front. True subcontractors who carry their own insurance go in the next question.", "type": "employees", "options": [ "Yes", "No", "Not sure yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "annual_payroll", "label": "Annual payroll", "question": "What is your estimated annual payroll for employees (not counting owners)?", "help": "Payroll means the total wages you expect to pay your employees over a year, not your revenue, and not the owners' own draws or profit. Workers compensation and some liability policies are priced per $100 of payroll, so this sets the premium basis.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "workers_comp", "general_liability", "umbrella" ] }, { "key": "subcontractors_use", "label": "Subcontractors", "question": "Will you subcontract any work to true independent subcontractors who carry their own insurance and can hand you a certificate of insurance (COI)?", "help": "These are genuine outside businesses, not 1099 helpers who really work like employees (those go in the previous question). Requiring subs to carry their own insurance and provide a COI keeps their cost off your audit and your premium down; uninsured sub cost gets charged back to your policy.", "type": "subs", "options": [ "Yes", "No", "Not sure yet", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp", "umbrella" ] } ] }, { "id": "standard_sections.4.items", "title": "Revenue & Property", "scope": "Business", "handoff": false, "questions": [ { "key": "projected_revenue", "label": "Projected revenue", "question": "What is your estimated revenue for the 12 months starting when your coverage begins?", "help": "Revenue (also called sales or gross receipts) is the total money the business takes in before expenses, not your take-home profit and not payroll. It's one of the main ways carriers size a business, and several policies are rated directly on it. An honest estimate is fine and can be adjusted later.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "commercial_property", "professional_liability", "products_liability", "cyber", "umbrella" ] }, { "key": "annual_revenue_actual", "label": "Revenue for the past 12 months", "question": "Roughly what was the business's revenue over the past 12 months?", "help": "Established businesses are rated on actual revenue as well as the projection. If last year's number differs a lot from what you project, the difference is better explained to the underwriter up front than discovered at audit time.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "commercial_property", "professional_liability", "products_liability", "cyber", "umbrella" ] }, { "key": "bpp_office", "label": "Office equipment & furniture", "question": "Roughly what is the total value of the computers, office equipment, furniture, and fixtures at your location? If you have none, say None; if you have them but do not want them insured, say no coverage desired.", "help": "Sets the limit for replacing the contents at your business location if they're stolen or damaged.", "type": "money", "options": [ "None (nothing to insure)", "No coverage desired" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "bpp_mobile", "label": "Tools & equipment that travel", "question": "If you take tools or equipment to job sites, roughly what total value would you want covered? If nothing travels, say None; if gear travels but you do not want it insured, say no coverage desired.", "help": "Gear that leaves your premises needs coverage that follows it. A standard property policy may not protect tools out on a job site.", "type": "money", "options": [ "None (nothing travels)", "No coverage desired" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] }, { "key": "bpp_mobile_items", "label": "High-value items to schedule", "question": "Do not list cars, trucks, vans, or trailers here. Every business vehicle goes in its own Vehicles section later in the form. This schedule is for tools and equipment only. If any single tool or piece of equipment is worth more than $500, it may need to be listed (scheduled) individually on the policy. If that applies, list each item below: the model and value are required; the year, make, and serial number are optional.", "help": "Carriers often cap how much they'll pay per unscheduled item, so listing your most valuable pieces by model and value now prevents an underinsured gap if one is lost or damaged. This schedule is for equipment only. A vehicle you drive for the business belongs on your commercial auto coverage, not here, so we collect it (with its VIN) in the vehicles section.", "type": "scheduled", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "commercial_property" ] } ] }, { "id": "standard_sections.5.items", "title": "Umbrella & Excess Liability", "scope": "Business", "handoff": false, "questions": [ { "key": "umbrella_limit", "label": "Umbrella limit", "question": "What umbrella (excess liability) limit would you like quoted? An umbrella generally adds a layer of liability protection on top of your general liability, commercial auto, and (if you carry it) employer's liability limits, subject to the policy wording.", "help": "A common request is $1 million, but higher limits are available and often surprisingly inexpensive. If a limit does not come to mind, pick Not sure yet and a couple of options can be quoted to compare.", "type": "pillset", "options": [ "$1,000,000", "$2,000,000", "$3,000,000", "$4,000,000", "$5,000,000", "$10,000,000", "Not sure yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] }, { "key": "umbrella_over_lines", "label": "Policies the umbrella sits over", "question": "Which of your liability policies would you like the umbrella to sit over? Select all that apply. (General liability / Commercial auto / Employer's liability (the liability part of workers compensation) / Professional liability (E&O) / Liquor liability / I'm not sure)", "help": "An umbrella generally provides extra limits above the policies listed underneath it, and carriers price it from those policies and their limits. Telling us which ones you have in mind helps Lee approach the right markets. If you are not sure, pick that and it can be sorted out before anything is quoted.", "type": "multichips", "options": [ "General liability", "Commercial auto", "Employer's liability (the liability part of workers compensation)", "Professional liability (E&O)", "Liquor liability", "I'm not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] }, { "key": "umbrella_underlying_policies", "label": "Underlying policies", "question": "Please list the liability policies the umbrella would sit over. For each one, share the coverage, the carrier, the policy number, the each-occurrence and aggregate limits, the annual premium, and the expiration date. If a detail is not handy, leave that box blank.", "help": "An excess or umbrella policy is rated from what sits beneath it, so the carrier, limits, premium, and expiration of each underlying policy are the core of the application. Carriers also set a minimum limit they require underneath, so listing these up front usually avoids a round trip. Anything you leave blank can be picked up from the declarations pages.", "type": "rows", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] }, { "key": "umbrella_underlying_endorsements", "label": "Endorsements already on the underlying policy", "question": "Which of these are already included on your underlying general liability policy? Select all that apply, or None of these. (Hired and non-owned auto / Per project aggregate / Liquor liability / Products and completed operations / Employee benefits liability / I'm not sure / None of these)", "help": "An umbrella generally follows the coverage sitting underneath it, so carriers ask which endorsements are already on that policy. If you are not sure, pick I'm not sure; the declarations page will show it.", "type": "multichips", "options": [ "Hired and non-owned auto", "Per project aggregate", "Liquor liability", "Products and completed operations", "Employee benefits liability", "I'm not sure", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] }, { "key": "umbrella_underlying_docs", "label": "Underlying declarations pages", "question": "If you have them, upload the declarations page for each underlying policy. A declarations page is the summary page at the front of a policy that lists the carrier, the limits, the premium, and the policy period.", "help": "The declarations pages carry nearly every underlying detail an excess carrier asks for, so sending them is usually faster and more accurate than typing it all in. If you do not have them handy, you can send them later.", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] }, { "key": "umbrella_prior_excess", "label": "Current umbrella or excess policy", "question": "Does the business carry an umbrella or excess liability policy today? (Yes / No)", "help": "If a layer is already in place, its carrier, limit, and expiration date tell us whether this is a renewal, a replacement, or an additional layer on top of what you have. If this would be your first umbrella, answer No.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] }, { "key": "umbrella_lapse", "label": "Gaps in liability coverage", "question": "Over roughly the last four years, has there been any gap in the business's liability coverage? (No gap / A gap of less than 60 days / A gap of 60 days or more / The business has not carried liability coverage before / I'm not sure)", "help": "Excess carriers ask about continuity of coverage and often rate on it. A gap does not disqualify you; disclosing it up front lets Lee approach the markets that treat it best.", "type": "pillset", "options": [ "No gap", "A gap of less than 60 days", "A gap of 60 days or more", "The business has not carried liability coverage before", "I'm not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] }, { "key": "umbrella_ops_screen", "label": "Higher-hazard operations", "question": "Do any of these describe work the business performs? Select all that apply, or None of these. (Work on buildings more than three stories tall / Demolition / Oil, gas, or mining work / Road, bridge, tunnel, or dam work / Work at airports, refineries, or other secured facilities / Work involving explosives or blasting / None of these)", "help": "Excess carriers each have their own appetite, and these are the operations they ask about most often. Selecting one is not a problem; it simply tells Lee which markets to approach.", "type": "multichips", "options": [ "Work on buildings more than three stories tall", "Demolition", "Oil, gas, or mining work", "Road, bridge, tunnel, or dam work", "Work at airports, refineries, or other secured facilities", "Work involving explosives or blasting", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "umbrella" ] } ] }, { "id": "standard_sections.6.items", "title": "Insurance Details", "scope": "Business", "handoff": false, "questions": [ { "key": "cyber_interest", "label": "Cyber liability", "question": "Cyber liability helps cover data breaches, hacked email accounts, funds-transfer fraud, and ransomware. It comes two ways: packaged into your business policy when the carrier offers it (convenient, but typically lower limits and fewer coverages), or as a standalone cyber policy, which typically offers higher limits and broader coverage. Would you like it quoted? (Yes, package it into my policy if available / Yes, quote a standalone cyber policy / No thanks / I'm not sure, tell me more)", "help": "Small businesses that take payments, store customer information, or simply use email are common targets. A packaged cyber add-on is not the same thing as a standalone cyber policy, which typically carries higher limits and additional coverages. Not every carrier can include the packaged option; if yours can't, a standalone policy is still an option to consider. Whichever way you answer, it's documented in your file so it's clear both options were offered.", "type": "pillset", "options": [ "Yes, package it into my policy if available", "Yes, quote a standalone cyber policy", "No thanks", "I'm not sure, tell me more" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cyber_limit_preference", "label": "Standalone cyber limit", "question": "What limit would you like quoted for the standalone cyber policy?", "help": "A common request is $1 million, but smaller and larger limits are available. If a limit does not come to mind, pick Not sure yet and a couple of options can be quoted to compare.", "type": "pillset", "options": [ "$500,000", "$1,000,000", "$2,000,000", "$3,000,000", "$5,000,000", "Not sure yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "cyber" ] }, { "key": "cyber_records_count", "label": "Records held", "question": "Roughly how many people's records does the business store or handle, counting anyone whose personal, medical, or payment-card information you keep (customers, patients, employees)?", "help": "Cyber carriers rate partly on how many people's records you hold, since that drives the cost of notifying and protecting them after a breach. A good-faith estimate is fine.", "type": "pillset", "options": [ "Under 1,000", "1,000 to 10,000", "10,000 to 100,000", "Over 100,000", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "cyber" ] }, { "key": "cyber_mfa", "label": "Multi-factor authentication", "question": "Is multi-factor authentication (MFA) required to sign in to your business email, remote access, and other important business systems? If it covers some of these but not all, answer No. (Yes / No)", "help": "MFA is one of the security controls cyber carriers weigh most heavily. Answer exactly as things stand today: this becomes part of your application, and an inaccurate answer can jeopardize a claim later. A No is fine to disclose; it affects pricing and which carriers we approach, and a few carriers require MFA before offering coverage. Many email and cloud systems include MFA at no extra cost.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "cyber" ] }, { "key": "cyber_funds_transfer", "label": "Verifying payment requests", "question": "Before sending money to a new bank account or changing payment instructions, does the business verify the request through a second channel, such as calling a number you already know? (Yes / No)", "help": "Fraudulent payment instructions are among the most common and costly small-business cyber losses, so carriers ask whether a call-back or similar verification step exists. Answer as things actually work today; this becomes part of your application.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "cyber" ] }, { "key": "cyber_backups", "label": "Data backups", "question": "How often is your important business data backed up?", "help": "Backup frequency is one of the biggest factors in how bad a ransomware event gets, so carriers rate on it. Count automatic cloud backup (for example Microsoft 365 or Google Workspace) as well as manual copies, and answer for how backups actually run today.", "type": "pillset", "options": [ "Daily", "Weekly", "Monthly", "Quarterly", "Annually", "Rarely or never" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "cyber" ] }, { "key": "cyber_prior_incidents", "label": "Prior cyber incidents", "question": "In the past 3 years, has the business had any cyber claims or incidents, such as a data breach, a hacked account, ransomware, or money lost to fraudulent payment instructions? (Yes / No)", "help": "Carriers always ask, and a past incident doesn't automatically disqualify you. Disclosing it up front lets us pick the market that treats your history best and keeps the application accurate.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "cyber" ] }, { "key": "cyber_org_structure", "label": "Company structure changes", "question": "Do any of these apply to the business: it is a subsidiary or franchisee of another company, it completed a merger or acquisition in the past 12 months, or it plans one in the next 12 months? Select all that apply, or None of these.", "help": "Standalone cyber applications ask this because mergers and parent companies join computer networks and inherit each other's exposures. If none of these describes the business, select None of these.", "type": "multichips", "options": [ "Subsidiary or franchisee of another company", "Merger or acquisition completed in the past 12 months", "Merger or acquisition planned in the next 12 months", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "cyber" ] }, { "key": "terrorism_coverage", "label": "Terrorism coverage (TRIA)", "question": "Terrorism coverage is generally offered as an option on commercial liability and property policies under the federal Terrorism Risk Insurance Act (TRIA). Broadly, it responds to damage or injury arising from an event the federal government certifies as an act of terrorism, which policies commonly exclude or limit otherwise. It is usually quoted for an additional premium, and some leases, contracts, and lenders call for it. Availability, cost, and exactly what is covered depend on the carrier and the policy wording. Would you like terrorism coverage included in your quote? (No, do not include terrorism coverage / Yes, include terrorism coverage / I'm not sure, tell me more)", "help": "This is your election, and it is recorded either way so it is clear the option was presented. Picking No simply leaves it off the quote you are shown, and you can ask about pricing it at any point before you decide, subject to what the carrier offers. If a lease, loan, or contract calls for terrorism coverage, pick Yes so the quote is built to match. The description above is a general summary, not a statement of coverage: the policy language controls.", "type": "pillset", "options": [ "No, do not include terrorism coverage Leave the terrorism option off the quote. This is only your election today; you can ask what it would cost at any point before you decide.", "Yes, include terrorism coverage Price the terrorism option alongside the rest of the quote so you can see what it adds. Pick this if a lease, lender, or contract calls for it.", "I'm not sure, tell me more You would like to talk through what the terrorism option does and does not cover before choosing. It can be quoted both ways so you can compare." ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "commercial_property", "umbrella" ] }, { "key": "prior_insurance", "label": "Prior insurance & losses", "question": "Have you carried insurance for this business, and have there been any claims or losses in the past 5 years?", "help": "Carriers always ask. Gaps or past claims don't disqualify you, but knowing up front lets us pick the market that treats your history best.", "type": "prior", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prior_history_gate", "label": "Prior history", "question": "Has the business, or any owner, officer, partner, or manager, had any of the following? Use the time frame shown for each item, and count claims and incidents whether or not you were insured for them.\n- a claim, complaint, charge, hearing, demand, or administrative, regulatory, civil, or criminal proceeding involving an employment matter (such as wrongful termination, discrimination, harassment, retaliation, or a wage-and-hour dispute) against the business or any owner, partner, officer, or manager who would be covered (past 3 years)\n- a claim against the business or anyone this policy would cover, including for professional work done before this business started (past 5 years, or earlier if still open)\n- an incident or situation you are aware of that could reasonably lead to a claim (no time limit)\n- a bankruptcy filing by the business, or the business being placed into bankruptcy (ever)\n- a felony conviction of the business or an owner, officer, or partner (past 5 years)\n- a bankruptcy declared by the business or an owner, officer, or partner (past 3 years)\n- a business-related lawsuit, mediation, or arbitration filed against the business or an owner, officer, partner, or manager (ever, no time limit)\n- an insurance policy for the business that a carrier cancelled, or declined to renew or issue (ever)\n(No, none of these / Yes)", "help": "Carriers ask these together on almost every application. Choosing No, none of these records a No for each item. Choosing Yes shows each item so you can answer it individually. A past matter does not automatically prevent coverage, and an inaccurate answer can affect coverage after a policy binds, so it is worth answering carefully.", "type": "pillset", "options": [ "No, none of these", "Yes" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "employment_claims_history", "label": "Employment-related claims", "question": "In the past 3 years, have any claims, complaints, charges, hearings, demands, or administrative, regulatory, civil, or criminal proceedings involving an employment matter been made against the business, or against any owner, partner, officer, or manager who would be covered, whether or not you were insured for it? Employment matters include things like wrongful termination, discrimination, harassment, retaliation, or a wage-and-hour dispute. (Yes / No)", "help": "Carriers ask this on nearly every application, and employment claims are usually handled by a separate coverage called employment practices liability (EPLI) rather than by general liability. Answering it just lets Lee flag whether that coverage is worth discussing and approach the market that treats your history best. A past matter does not automatically disqualify you, and an honest answer keeps your application accurate.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Prior history is Yes", "coverage_lines": [] }, { "key": "claim_circumstances_history", "label": "Known claims or circumstances", "question": "Aside from anything you have already told us, has any claim been made in the past 5 years, or earlier if it is still open, against the business or against anyone this policy would cover, including for professional work done before this business started, or are you aware of any incident or situation that could reasonably lead to a claim, whether or not you were insured for it? (Yes / No)", "help": "This is a standard underwriting question, and it follows the people the policy would cover rather than the entity, so it applies even to a brand-new business whose owners worked elsewhere first. A 'circumstance that may give rise to a claim' means something has already happened that a claim could still come from, even if no one has filed one yet. Disclosing it up front keeps your application accurate and protects your coverage if that matter later turns into an actual claim.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Prior history is Yes", "coverage_lines": [] }, { "key": "business_bankruptcy", "label": "Bankruptcy history", "question": "Has the business ever filed for, or been placed into, bankruptcy? (Yes / No)", "help": "Carriers ask this as a routine financial question. A past bankruptcy does not necessarily prevent coverage; disclosing it simply keeps the application accurate and helps us approach the right market.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Prior history is Yes", "coverage_lines": [] }, { "key": "owner_background_disclosures", "label": "Owner background disclosures", "question": "Has the business, or any of its owners, officers, or partners, had any of the following? Select all that apply: Convicted of a felony in the past 5 years; Declared bankruptcy in the past 3 years; Had business-related lawsuits, mediations, or arbitrations filed against them; None of the above.", "help": "Almost every carrier asks this before it will quote, and it asks about the owners personally, not just the business, so it applies even to a brand-new company. Answering it up front lets Lee prepare an accurate application without following up for more information. Any of these items may affect which carriers will offer terms, and an inaccurate answer can affect coverage after a policy binds, so it is worth getting right.", "type": "multichips", "options": [ "Convicted of a felony in the past 5 years", "Declared bankruptcy in the past 3 years", "Business-related lawsuits, mediations, or arbitrations filed against them", "None of the above" ], "required": true, "show_if": "Prior history is Yes", "coverage_lines": [] }, { "key": "coverage_declined_cancelled", "label": "Prior cancellation or non-renewal", "question": "Has any insurance carrier ever cancelled a policy for the business, or declined to renew or issue one? (Yes / No)", "help": "This is a standard application question. A prior cancellation, non-renewal, or declination will not necessarily stop us from placing your coverage, but knowing about it up front lets Lee approach carriers that will look past it and keeps the application accurate.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Prior history is Yes", "coverage_lines": [] }, { "key": "additional_insured", "label": "Certificates & additional insureds", "question": "Does anyone need proof of your insurance (a certificate), or need to be named on your policy? This includes a landlord, client, property manager, or lender that your lease or contract requires you to add as an additional insured, mortgagee, or loss payee, and anyone who simply needs a certificate proving your coverage. If yes, for each one please share what they need, their name, mailing address, and their relationship to you. If no one does, just answer No.", "help": "A certificate proves your coverage to a landlord or client; an additional insured, mortgagee, or loss payee is a party your policy also protects or names, usually because a lease or contract requires it. Capturing exactly who needs what up front means your certificates can go out as soon as the policy binds, with no re-quote.", "type": "addl-parties", "options": [ "No", "Yes" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "blanket_additional_insured", "label": "Adding insureds regularly", "question": "Beyond anyone above, do you expect to regularly add clients, vendors, or others to your policy as additional insureds, for example because your customer contracts routinely require it?", "help": "If your contracts keep requiring you to add new parties, a blanket additional insured endorsement can cover them automatically, so you avoid a policy change and a new certificate every time someone asks. Your answer just tells me whether to build that into the quote.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "contract_requirements", "label": "Landlord requirements", "question": "Does your lease or landlord spell out insurance requirements for your space, such as limits, being named additional insured, or wording like primary & non-contributory or waiver of subrogation? If yes, paste or attach them so the quote can be built to match them.", "help": "Quoting to the exact requirements in your lease the first time avoids re-quotes and rejected certificates.", "type": "contract", "options": [ "Yes", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "fein", "label": "Federal EIN", "question": "What is your Federal EIN (Employer Identification Number)? If you have one, answer Yes and share it, or let us know you will send it later. If you are a sole proprietor without an EIN, answer No and leave it blank; there is no need to send your Social Security number.", "help": "Insurance applications use the EIN to identify the business, like a Social Security number for the company. If you do not have an EIN yet, that is fine; for most lines of business except workers compensation we can quote without it.", "type": "yesno", "options": [ "Yes", "No", "I'll provide my EIN later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "coverage_start_date", "label": "Coverage start date", "question": "When would you like coverage to begin? A near-term date works as a placeholder for quotes; it can be adjusted before anything is finalized.", "help": "This sets the policy's effective date, so coverage can line up with a lease, a contract, or your first job.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "standard_sections.7.items", "title": "Drone / Aerial Operations", "scope": "Business", "handoff": false, "questions": [ { "key": "uses_drones", "label": "Drone / UAV use", "question": "Most commercial policies (general liability, property, and business owners policies) exclude the use of drones or other unmanned aircraft. Do you use, or plan to use, a drone in your business? If you'd like a quote, we can place separate drone coverage for you through SkyWatch. (Yes, and I'd like a drone quote / Yes, but it's already insured elsewhere / No)", "help": "Almost every standard business policy carves out drone (UAV) operations, so flying one for work leaves a gap unless a dedicated drone policy covers it. Flagging it here means separate drone coverage can be quoted alongside the rest from the start, and if a drone policy is already in place we can offer a competing quote when it's timely.", "type": "pillset", "options": [ "Yes, and I'd like a drone quote", "Yes, but it's already insured elsewhere", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_existing_renewal", "label": "Current drone policy renewal date", "question": "When does your current drone policy renew or expire?", "help": "Sharing your renewal date means we can offer a competing drone quote when it's timely, so you have time to compare before your current policy renews.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_use_description", "label": "How drones are used", "question": "How do you use drones in your business? (for example roof or structure inspections, aerial photos or video, mapping and surveying, agriculture)", "help": "How a drone is used decides which carriers can write it at all: inspection and photography sit inside most drone programs, while spraying, delivery and flying over crowds usually do not.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_count", "label": "Number of drones", "question": "How many drones would you like to insure?", "help": "Drone policies are rated per aircraft, so the count sets the base premium before anything else.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_makes_models", "label": "Drone makes and models", "question": "What is the make and model of each drone? (for example DJI Mavic 3, DJI Matrice 350)", "help": "Make and model tell the carrier the airframe weight and capability, which is what the hull rate is built on.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_value", "label": "Total drone / equipment value", "question": "What is the total value of the drones and attached equipment you'd want covered for physical damage (hull)?", "help": "Hull coverage generally pays up to a stated value, so a figure that is too low leaves a gap and one that is too high buys premium you could not collect on.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_part107", "label": "FAA Part 107 certified", "question": "Do all drone operators hold a current FAA Part 107 Remote Pilot certificate? (Yes / No)", "help": "Insurers price commercial drone coverage around the FAA Part 107 certificate that authorizes paid drone work, so it is one of the first things SkyWatch asks.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_pilot_count", "label": "Number of drone pilots", "question": "How many drone pilots or operators does the business have?", "help": "Pilot count, and the ratio of pilots to aircraft, are rating factors, and carriers generally want every operator named.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_liability_limit", "label": "Desired liability limit", "question": "What liability limit would you like for the drone coverage? SkyWatch offers limits from $500,000 to $5,000,000.", "help": "The limit you choose drives the premium and also whether the policy satisfies the contracts you fly under; many clients and venues state a minimum.", "type": "pillset", "options": [ "$500,000", "$1,000,000", "$2,000,000", "$5,000,000", "Not sure yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_hull_coverage", "label": "Hull (physical damage) coverage", "question": "Would you like hull coverage, which pays to repair or replace the drone itself if it is damaged, lost, or stolen? (Yes / No)", "help": "Hull is optional and is the expensive half of a drone policy, so knowing whether you want it lets us quote what you actually need instead of pricing both.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_operations_area", "label": "Where drones are flown", "question": "Which states do you fly in, and is it mostly outdoors, indoors, or both?", "help": "Drone programs are filed state by state, and indoor flying is rated differently from outdoor, so this decides which markets can quote you.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drone_prior_claims", "label": "Prior drone claims", "question": "Have you had any drone-related accidents, damage, or claims in the past 5 years? Describe each, or write None.", "help": "Loss history is the single biggest factor in a drone quote, and a claim a carrier learns about later can undo an offer that was made without it.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "comments_item", "title": "Additional Comments", "scope": "Contact and review", "handoff": false, "questions": [ { "key": "additional_comments", "label": "Additional comments or requirements", "question": "Is there anything else we should know? Any specific coverage requirements, must-have inclusions, exposures you're worried about, or timing concerns. Add anything here and it goes into your file with the rest of your answers.", "help": "Details that don't fit the questions above still shape your coverage. Anything you flag here goes straight into your file alongside your other answers.", "type": "textarea", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "priority_item", "title": "Your Coverage Priorities", "scope": "Contact and review", "handoff": false, "questions": [ { "key": "coverage_priority", "label": "How would you generally like us to prioritize our recommendations?", "question": "Please select the option that best reflects your preferences. This helps us tailor our recommendations but does not determine what coverage is available or appropriate. (Comprehensive Protection / Balanced Coverage and Cost / Budget-Focused)", "help": "", "type": "pillset", "options": [ "Comprehensive Protection I would like recommendations intended to address my insurance needs and potential exposures as comprehensively as reasonably possible, recognizing that broader protection may result in a higher premium.", "Balanced Coverage and Cost Recommended for most applicants I would like recommendations that balance meaningful protection with keeping premiums as reasonable as possible.", "Budget-Focused Keeping premiums as low as reasonably possible is my primary goal. I understand that lower-cost options may include reduced limits, fewer coverages, higher deductibles, or additional exclusions. I would still like BrokerPro to identify significant coverage recommendations or potential coverage gaps for my consideration." ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "contact_pref_item", "title": "Preferred Contact Method", "scope": "Contact and review", "handoff": false, "questions": [ { "key": "contact_preference", "label": "Preferred contact method", "question": "How would you prefer we reach out to you about your quote? (Email / Phone call / Text message)", "help": "So we follow up the way that is easiest for you. You can change this anytime by letting us know.", "type": "pillset", "options": [ "Email", "Phone call", "Text message" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "nickname_item", "title": "Preferred Contact Method", "scope": "Contact and review", "handoff": false, "questions": [ { "key": "contact_nickname", "label": "Preferred name", "question": "What should we call you, if it is different from your first name? For example, James who goes by Jim. Leave this blank if your first name is already what you go by.", "help": "So our emails and calls use the name you actually go by. It does not change the name on your application or on any policy documents.", "type": "text", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "class_items.Healthcare & Allied Health", "title": "Professional Background & Licensing", "scope": "Healthcare & Allied Health", "handoff": false, "questions": [ { "key": "prof_credential", "label": "License or certification", "question": "What professional license, certification, or designation do you hold, what is the license number, and which state issued it? For example: Arizona Physical Therapist license #12345.", "help": "A professional-liability (malpractice) policy is built around your credential. The license number and issuing state let the carrier confirm you're in good standing and quote the right class.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "professional_liability" ] }, { "key": "prof_npi", "label": "NPI number", "question": "If you're a healthcare provider, what is your National Provider Identifier (NPI)? Leave this blank if you don't have one.", "help": "The NPI is the standard identifier for healthcare providers. It's optional here and only helps the carrier match your record. Skip it if it doesn't apply to you.", "type": "line", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "professional_liability" ] }, { "key": "prof_specialty", "label": "Specialty & services", "question": "What is your specialty or main type of work, and roughly what services do you personally provide?", "help": "Your specialty and the exact services you perform drive how a professional policy is classed and priced. A pediatric focus and a sports-injury focus underwrite differently even within the same license.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "professional_liability" ] }, { "key": "prof_years_experience", "label": "Years in practice", "question": "How many years have you practiced in this profession, including any time before starting this business?", "help": "Years of experience is a standard underwriting input; brand-new practitioners and seasoned ones are rated differently, and time in practice before this business still counts.", "type": "years", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "professional_liability" ] }, { "key": "prof_prior_claims", "label": "Prior claims or incidents", "question": "In the past 5 years, has any client or patient alleged a mistake, error, or negligence in your professional work, whether or not a formal claim was filed? (Yes / No)", "help": "Carriers ask about prior allegations on every malpractice application. Answering up front keeps the quote accurate and avoids a surprise at binding; your answer is documented in your file either way.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "professional_liability" ] }, { "key": "prof_license_action", "label": "License actions", "question": "Has your professional license ever been suspended, revoked, restricted, or disciplined, or have you been the subject of a licensing-board complaint or investigation? (Yes / No)", "help": "Licensing-board history is a standard malpractice underwriting question. It rarely prevents a quote on its own, but it has to be disclosed up front so the carrier can place you correctly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "professional_liability" ] } ] }, { "id": "class_items.Healthcare/Care", "title": "Background & Conduct Disclosures", "scope": "Healthcare/Care", "handoff": false, "questions": [ { "key": "disclosure_criminal_history", "label": "Criminal history", "question": "Have you, or has any owner or officer of the business, ever been charged with, indicted for, or convicted of any act in violation of any law or ordinance, other than traffic offenses? (Yes / No)", "help": "Care applications ask this because carriers look closely at the people who go into a client's home. A disclosure here does not by itself decide the outcome, and an answer that turns out to be inaccurate can affect coverage after a policy binds, so it is worth answering carefully.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "disclosure_license_privilege_action", "label": "License or privilege actions", "question": "Have you, or has any owner or officer, ever had hospital privileges, a DEA registration, a healthcare or professional license, or reimbursement privileges denied, refused, revoked, suspended, restricted, reprimanded, placed on probation, or voluntarily surrendered? (Yes / No)", "help": "This covers any action taken by a licensing board, a hospital, or a payer, including one that was agreed to voluntarily. Carriers ask about all of them together on care and medical applications.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "disclosure_sexual_misconduct", "label": "Sexual misconduct allegations", "question": "Have you, or has any owner or officer, ever been accused of sexual misconduct of any kind? (Yes / No)", "help": "Abuse and molestation is the exposure care carriers look at most closely, and applications in this space ask about allegations rather than only findings. An inaccurate answer can affect coverage after a policy binds.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "disclosure_impairment", "label": "Health conditions affecting the work", "question": "Are you, or is any owner or officer, aware of a health condition that could impair the ability to carry out the duties of this business, including addiction to alcohol, narcotics, or other controlled substances? (Yes / No)", "help": "Care work is hands-on and often unsupervised, which is why this question appears on the application. Disclosing it keeps the application accurate.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "disclosure_prior_policy_action", "label": "Prior policy cancelled, declined, or rescinded", "question": "Has any insurance company ever cancelled, declined, non-renewed, or rescinded a policy for you or for this business? (Yes / No)", "help": "This is a standard application question, and it follows both the business and the people behind it, so it applies even to a brand-new company. A prior cancellation or declination does not necessarily stop a placement; knowing about it up front keeps the application accurate.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "disclosure_claims_lawsuits", "label": "Claims, lawsuits, or known incidents", "question": "Have you, or has this business, ever been involved in a claim or a demand for money, been involved in a lawsuit, or become aware of any complication, incident, or adverse outcome that could reasonably lead to a claim or lawsuit? (Yes / No)", "help": "Carriers ask about known incidents as well as filed claims. A circumstance that may give rise to a claim means something has already happened that a claim could still come from, even if no one has filed one. Disclosing it up front keeps the application accurate and documents it in your file.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "class_items.Professional Services", "title": "A Few Details Specific to Your Business", "scope": "Professional Services", "handoff": false, "questions": [ { "key": "profsvc_written_contracts", "label": "Written client agreements", "question": "How often do you use a standardized written contract, engagement letter, or service agreement with your clients: never, sometimes (1 to 74%), most of the time (75 to 99%), or in all cases (100%)?", "help": "Professional liability carriers commonly consider how consistently written agreements define the services and fees before work begins.", "type": "pillset", "options": [ "Never", "Sometimes (1 to 74%)", "Most of the time (75 to 99%)", "In all cases (100%)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "profsvc_scope_clarity", "label": "Preventing scope misunderstandings", "question": "If you answered Never or Sometimes, how do you and your clients confirm what work is included, what is excluded, and what it will cost?", "help": "When written agreements are not used consistently, carriers may ask how the business confirms the scope of work and fees with its clients.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "class_items.Contractor/Trades", "title": "A Few Details Specific to Your Business", "scope": "Contractor/Trades", "handoff": false, "questions": [ { "key": "contractor_license_status", "label": "Contractor license", "question": "Do you currently hold an Arizona ROC contractor license, are you working on getting one, or do you not plan to get one?", "help": "Whether you're licensed, still getting licensed, or working unlicensed changes both which carriers can quote you and whether the Registrar requires a contractor license bond.", "type": "pillset", "options": [ "I currently hold one or more", "I'm working on getting my first one", "I hold some and am working on getting more", "No, I don't plan to get a license", "This trade isn't licensed by the ROC (does not apply)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "contractor_licenses", "label": "License(s) you currently hold", "question": "Which Arizona ROC contractor license classification(s) do you currently hold? You can list more than one (for example CR-42 Roofing, C-11 Electrical).", "help": "Your ROC classification tells carriers exactly which trades you're licensed for.", "type": "licenses", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "contractor_licenses_planned", "label": "License(s) you're getting", "question": "Which Arizona ROC contractor license classification(s) are you working on getting or plan to get? You can list more than one (for example CR-42 Roofing, C-11 Electrical).", "help": "Knowing the classification you're applying for tells carriers which trades to expect, and it's what determines the type of contractor license bond the Registrar will require.", "type": "licenses", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "contractor_work_type", "label": "Residential or commercial work", "question": "Is the work you do residential, commercial, or both? (Residential / Commercial / Both)", "help": "Residential and commercial work are underwritten and priced differently, and some carriers will only write one or the other. Telling us which you do gets your quote to the markets that actually want your kind of work.", "type": "pillset", "options": [ "Residential", "Commercial", "Both" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "contractor_work_split", "label": "Residential / commercial split", "question": "Since you do both, roughly what percent of your work is residential and what percent is commercial? (should total 100%)", "help": "A rough split is enough. Carriers rate the two differently, so an even mix and a mostly-residential book with the occasional commercial job land in different places. Estimating by revenue is fine.", "type": "percentage mix", "options": [ "Residential", "Commercial" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "contractor_years_experience", "label": "Years in this trade", "question": "How many years have you and any other owners worked in this trade, counting experience at other companies before this business?", "help": "Carriers underwrite the trades partly on the owner's hands-on years, which is a different fact from how long the company has existed. If you bought an established business, or worked for years at someone else's before starting your own, that time is part of how a carrier assesses the risk, so it is worth stating. A round number is fine.", "type": "years", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "max_work_height", "label": "Maximum working height", "question": "What is the greatest height above ground at which you or your staff work? Select one: 0 - 6 feet / 7 - 15 feet / 16 - 30 feet / >30 feet. Not sure is fine.", "help": "Carriers use the height band to identify whether additional safety questions apply. Pick the highest band you ever work at, not just your usual jobs.", "type": "pillset", "options": [ "0 - 6 feet", "7 - 15 feet", "16 - 30 feet", ">30 feet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "jobs_list", "label": "Recent jobs", "question": "If you don't have a website yet, could you share a list of your last few jobs or current bids?", "help": "Recent jobs are how a carrier classifies a business that has no website yet. Without either, an underwriter is guessing at what you actually do, and guesses go to the higher rate.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "ctr_work_inspected", "label": "Completed-work inspection", "question": "Is completed work inspected against the plans or specification, with the results documented?", "help": "Carrier applications may ask how completed work is checked and recorded when they review a contractor's operations.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "ctr_background_checks", "label": "Background checks", "question": "Do you run background checks on employees who work inside customers' homes or premises?", "help": "Carrier applications may use this information to understand controls for work performed in customers' homes or premises.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "ctr_hot_work_controls", "label": "Hot-work safety guidelines", "question": "Do you have written safety guidelines for any cutting, welding, soldering or other hot work at a customer's location?", "help": "Carrier applications may ask about controls used for cutting, welding, soldering, and similar hot work.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "ctr_utility_locate", "label": "Utility location services", "question": "Do you contact utility location services (811) before any digging or trenching?", "help": "Carrier applications may ask how contractors manage underground utility exposure before digging or trenching.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "ctr_mvr_prescreen", "label": "Motor vehicle record prescreening", "question": "Do you check motor vehicle records before letting an employee drive for the business?", "help": "Carriers may consider driver screening practices when evaluating business auto exposure.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "commercial_auto" ] }, { "key": "gcsub_is_gc", "label": "General contractor role", "question": "Do you act as a general contractor, hiring and coordinating subcontractors on your projects? (Yes/No)", "help": "General contractors who manage subcontractors are rated differently than trades that self-perform their work, so this one answer changes which applications we prepare.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_percent", "label": "Percent of work subcontracted", "question": "Roughly what percentage of your total job costs go to subcontractors? (Enter a number, e.g. 40)", "help": "When more than a quarter of the work is subcontracted, carriers require a dedicated contractor supplement, so this number decides whether we need the extra detail below.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "gcsub_new_residential", "label": "New residential / tract / apartments", "question": "Will any of your work involve NEW construction of condominiums, townhouses, duplexes/triplexes/four-plexes, patio homes, apartments, or single-family homes in tract developments (10+ homes)? (Yes/No)", "help": "New tract and multi-unit residential construction carries the construction-defect exposure carriers underwrite hardest, so this is a knockout question on every contractor supplement.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_new_residential_detail", "label": "New residential work, described", "question": "If yes: describe that new residential construction work, and the largest number of individual living units in any one project.", "help": "Unit count is what separates a duplex from a 200-unit complex on a construction-defect rating, and the two go to different carriers.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_special_hazards", "label": "Special hazards", "question": "Do any of your operations involve the following? Select all that apply: cranes; tower cranes; EIFS (synthetic stucco); demolition of structures; structural alterations; blasting; foundation repair; shoring or underpinning; pile driving; caisson or cofferdam work; none of these.", "help": "Each of these is separately excluded or separately rated by most contractor programs. Naming the ones that apply lets us look for a market that can consider them instead of waiting on a declination.", "type": "multichips", "options": [ "Cranes", "Tower cranes", "EIFS (synthetic stucco)", "Demolition of structures", "Structural alterations", "Blasting", "Foundation repair", "Shoring or underpinning", "Pile driving", "Caisson or cofferdam work", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_coi_required", "label": "COIs collected from subcontractors", "question": "Do you require a certificate of insurance from every subcontractor before they start work? (Yes/No)", "help": "Subcontractors who cannot show their own insurance are generally charged back to your policy at audit, so whether you collect certificates changes both the premium and the audit bill.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_written_contract", "label": "Subcontractor written contract", "question": "Do you use a signed subcontract with every sub that includes an indemnification / hold-harmless clause in your favor? (A copy is required to bind.) (Yes/No)", "help": "A signed indemnity in your favor is what lets your carrier pursue the subcontractor's insurer instead of paying the claim itself, so it is one of the first things a contractor underwriter asks about.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_ai", "label": "Named as additional insured by subs", "question": "Do your subcontractors name your business as an additional insured (including completed operations) on their policy? (Yes/No)", "help": "Being named as an additional insured on the subcontractor's policy, including completed operations, is generally what gives you access to their coverage for work they performed, subject to policy wording and carrier guidelines.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_wc_required", "label": "Subs required to carry workers comp", "question": "Do you require your subcontractors to carry their own workers compensation? (Yes/No)", "help": "A subcontractor without workers compensation generally rates as your own employee at audit, so this can drive the comp premium as much as your payroll does.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_min_limits", "label": "Minimum limits required of subcontractors", "question": "What minimum general liability limits do you require subcontractors to carry? (e.g. $1M / $2M)", "help": "The lowest limit anywhere in your subcontractor chain is the one your own policy tends to stand behind, so carriers rate the account on it.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_limits_less", "label": "Subs carry lower limits than you", "question": "Do any of your subcontractors carry coverage or limits lower than yours? (Yes/No)", "help": "Same reason as the limits question above: a subcontractor carrying less than you leaves the difference sitting on your policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_sub_annual_cost", "label": "Annual subcontractor cost", "question": "What is your estimated annual subcontractor cost (all sub labor and materials)?", "help": "Subcontractor cost is a rating basis on most contractor policies, alongside payroll and receipts.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "gcsub_self_perform_desc", "label": "Self-performed vs subcontracted trades", "question": "Which trades do your own employees self-perform, and which do you subcontract? List each and note E (employee) or S (sub), one per line (e.g. 'Framing - S', 'Concrete - E').", "help": "Every trade has its own class code and rate. Splitting what your crew performs from what you sub out is what keeps the classification accurate instead of rating the whole account at the highest trade on the list.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_pct_as_gc", "label": "Percent of work as GC vs sub", "question": "Of your total work, roughly what percent do you perform as the general contractor versus as a subcontractor to others? (e.g. '80% GC / 20% sub')", "help": "Working as the general contractor carries the subcontractors' exposure on top of your own, so the split changes both classification and price.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_structural_pct", "label": "Percent structural work", "question": "Roughly what percentage of your work is structural (framing, concrete, foundation, load-bearing) versus finish / non-structural?", "help": "Structural work carries the construction-defect exposure carriers underwrite hardest, and several programs cap the share of it they will write.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_max_height", "label": "Maximum height of buildings worked on", "question": "What is the maximum height of the buildings you work on? (number of stories)", "help": "Height drives the fall exposure carriers rate hardest, and many contractor programs stop writing above a set number of stories.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "gcsub_below_grade", "label": "Below-grade work", "question": "Do you perform any work below grade? (Yes/No; if yes, what percent of your work and to what maximum depth?)", "help": "Excavation and below-grade work bring collapse and buried-utility exposures that a standard contractor class does not contemplate.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_asbestos", "label": "Asbestos / hazardous material", "question": "Have you or your subcontractors ever removed or worked on asbestos, PCBs, fuel tanks, or other hazardous materials? (Yes/No)", "help": "Work touching asbestos or other contaminants is generally excluded from a standard contractor policy and needs a separate pollution market.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_hot_roofing", "label": "Torch-down / hot-tar roofing", "question": "Do you or your subcontractors perform torch-down or hot-tar roofing? (Yes/No)", "help": "Torch-down and hot-tar work is a leading cause of contractor fire claims, and many programs exclude it outright.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_defect_claim", "label": "Construction defect / mold history", "question": "Are you aware of any pending litigation, loss, or claim (past 8 years) alleging construction defect, faulty construction, or fungus / mold against you or any named insured? (Yes/No)", "help": "Construction-defect and mold history is the first thing a contractor underwriter looks at, and a claim a carrier finds later can undo an offer made without it.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_wrap_up", "label": "Wrap-up / OCIP / CCIP projects", "question": "Are you working on any current Wrap-Up / OCIP / CCIP projects? (Yes/No; if yes, projected cost?)", "help": "On a wrap-up the project owner provides the liability coverage, so that payroll is treated differently on your own policy and is usually taken out of the rating basis.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] }, { "key": "gcsub_safety_program", "label": "Written safety program", "question": "Do you have a written safety program? (Yes/No; if yes, briefly describe the precautions in place.)", "help": "A written program with documented precautions is one of the first things a contractor underwriter asks for, and accounts without one generally have a harder time at underwriting.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "gcsub_license", "label": "Contractor license", "question": "What is your contractor license number and license type? (If unlicensed, say so.)", "help": "Carriers check the ROC classification against the work being quoted, and a license that does not cover the trade can stop a quote before it starts.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "umbrella" ] }, { "key": "gcsub_other_business", "label": "Other business ownership", "question": "Do you own or operate, or have a controlling interest in, any other business or similar construction operation (active, inactive, or dissolved)? (Yes/No)", "help": "Related businesses often share tools, crews and vehicles, which can pull their exposure onto this policy unless they are disclosed and rated.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability" ] } ] }, { "id": "class_items.Trucking/Transport", "title": "A Few Details Specific to Your Business", "scope": "Trucking/Transport", "handoff": false, "questions": [ { "key": "vehicles", "label": "Vehicles you'll insure", "question": "List every car, van, or truck the business owns, leases, or operates. This is where your commercial-auto vehicles belong, including a personal vehicle used for the business. For each one, enter the VIN and tap Look up vehicle to fill in the year, make, and model automatically (or type them in), then add the approximate value and roughly how many miles it is driven in a year.", "help": "These are the vehicles that go on your commercial auto policy. The VIN and value let carriers identify and schedule each vehicle for physical-damage coverage, and annual mileage is a rating factor. Enter every business vehicle here, not on the tools-and-equipment schedule earlier in the form, which is for equipment only.", "type": "vehicle_rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drivers", "label": "Drivers", "question": "For each driver, their full name, date of birth, license number, and the state that issued the license.", "help": "Carriers order motor vehicle records on every listed driver, and an unlisted driver is the most common reason a commercial auto claim gets questioned.", "type": "driver_rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "authority_dot", "label": "USDOT number", "question": "What is your USDOT number?", "help": "The USDOT number is how a carrier pulls your federal safety and inspection history, which is a large part of a trucking quote.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "authority_mc", "label": "MC number", "question": "What is your MC (motor carrier) number?", "help": "The MC number shows you are authorized to haul for hire across state lines, which is a different filing from intrastate work and a different market.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "authority_active", "label": "Authority active", "question": "Is your operating authority active yet? (Yes / No)", "help": "A new venture whose authority is not active yet is quoted differently from an operating carrier, and some markets will not bind until it is granted.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cargo", "label": "Cargo & radius", "question": "What commodities will you haul, and will you run intrastate (Arizona only) or interstate?", "help": "Commodity and radius are the two biggest rating factors on a trucking policy, and several commodities are excluded outright by most cargo forms.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cargo_commodity_type", "label": "Commodity type", "question": "What type of commodity do you primarily haul? Choose the category that best fits, and the next question will list the specific commodities within it.", "help": "Cargo carriers classify and rate based on what you haul, and some commodities carry more risk than others. Picking the closest category helps match your operation to the right cargo program.", "type": "select", "options": [ "Aircraft/Auto/Boats", "Building Supplies", "Chemicals", "Construction Materials (Raw)", "Consumer Goods", "Farming/Agriculture/Livestock", "Food & Beverage", "Machinery & Equipment", "Metals/Minerals/Coal", "Miscellaneous", "Paper/Plastic/Glass" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cargo_commodity", "label": "Commodity", "question": "Which specific commodity best describes your primary freight? This list updates based on the commodity type you chose above.", "help": "The specific commodity refines the cargo classification within the type you selected. If you haul several, pick your most common one and note the others in the comments at the end.", "type": "commodity", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cargo_coverage_limit", "label": "Cargo coverage limit", "question": "Motor truck cargo coverage pays for direct loss or damage to the freight you are hauling. What cargo limit would you like quoted? A good guide is the highest value of goods you would carry on one truck at one time. ($50,000 / $100,000 / $250,000 / $500,000 / $1,000,000 / Other / Not sure yet)", "help": "Cargo limits are set per truck, based on the most valuable load you would carry at once. Choosing a limit close to your typical maximum load helps the quote reflect your real exposure. If a limit does not come to mind, pick Not sure yet and a couple of options can be quoted to compare.", "type": "pillset", "options": [ "$50,000", "$100,000", "$250,000", "$500,000", "$1,000,000", "Other", "Not sure yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "class_items.Food & Beverage", "title": "A Few Details Specific to Your Business", "scope": "Food & Beverage", "handoff": false, "questions": [ { "key": "mobile_type", "label": "Setup", "question": "Which best describes your setup: a fixed storefront or shop, a food truck, a trailer, a cart/stand/booth, or catering out of a commissary kitchen? If it's more than one, pick the main one and tell me the rest.", "help": "This is the fork for the rest of your quote. A fixed location is rated on the building and its contents; anything mobile adds commercial auto and usually event coverage. Getting this right up front keeps me from asking you questions that don't apply to your operation.", "type": "pillset", "options": [ "Fixed storefront or shop", "Food truck", "Trailer", "Cart / stand / booth", "Catering from a commissary kitchen", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "food_roadway_vending", "label": "Street and neighborhood vending", "question": "Do you sell directly to customers on public streets or in residential neighborhoods, including driving a route and stopping for people who flag you down?", "help": "Some general liability programs exclude selling from a vehicle stopped in the roadway, and street vending is generally rated separately from a truck that parks at an event or on a lot.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alcohol", "label": "Alcohol", "question": "Will you serve or sell alcohol? If so, will you provide it, and do you hold a liquor license?", "help": "Serving or selling alcohol generally brings a liquor liability exposure that a general liability policy does not cover on its own, and it changes which carriers can write the account.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cooking", "label": "Cooking equipment", "question": "Will you use any cooking equipment beyond a microwave, such as fryers, grills, or stoves?", "help": "Commercial cooking equipment brings a fire exposure that carriers rate separately, and hood and suppression requirements usually follow it.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "food_refrigeration", "label": "Refrigeration and spoilage", "question": "Do you rely on refrigeration or freezers to keep product from spoiling? If yes, roughly what value of product do you hold at one time, and is the equipment owned or leased?", "help": "A refrigeration or power failure that spoils product is generally addressed by a separate spoilage coverage rather than by general liability, subject to the policy wording and carrier guidelines.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "venues", "label": "Venues", "question": "If you sell at events, fairs, festivals, farmers markets, or other venues rather than only at your own location: which ones do you work? If you operate only from your own location, just say so.", "help": "Venues and events sometimes require you to name them on your policy or show them a certificate. If any venue asks for that, list it in the Certificates & additional insureds question under Insurance Details so it goes on the certificate.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "food_venue_requirements", "label": "Venue insurance requirements", "question": "For any events, fairs, festivals, or markets you work: do any of them spell out insurance requirements, such as a limit, being named as additional insured, or specific wording? If you have the requirements in writing, you can share them here.", "help": "Venue and event contracts commonly set their own limits and endorsement wording, so the actual document generally answers more than a summary of it can.", "type": "contract", "options": [ "Yes", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "rental_sections.0.items", "title": "Property Information", "scope": "Rental property", "handoff": false, "questions": [ { "key": "property_address", "label": "Property address", "question": "What is the full address of the property to be insured?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ownership", "label": "Named insured / ownership", "question": "Is the property titled under an LLC, or under another individual or entity? Please enter the exact legal name that should appear on the policy as the primary named insured, normally the same name the property is titled under.", "help": "The primary named insured is who the policy protects, so it needs to match how the property is titled. If the title is in an LLC but the policy names you personally, a claim can be denied.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "billing", "label": "Billing", "question": "Will the insurance be mortgagee billed from escrow, or paid directly by you?", "help": "If your mortgage company pays from escrow, the policy can be set up so the bill goes to them directly.", "type": "pillset", "options": [ "Mortgagee billed from escrow", "I'll pay directly" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "property_condition", "label": "Property condition", "question": "How would you describe the interior condition of the home (for example fully remodeled, average, or in need of updates)?", "help": "Updated systems (roof, plumbing, electrical) qualify for better rates; honest condition up front avoids surprises at inspection.", "type": "pillset", "options": [ "Fully remodeled", "Average", "Needs updates" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rental_property_type", "label": "Property type", "question": "What type of property is it (single-family home, condo, townhouse, duplex, triplex, fourplex, or an apartment building of 5+ units)?", "help": "The property type and unit count change how the policy is rated and which carriers will write it.", "type": "pillset", "options": [ "Single-family home", "Condo", "Townhouse", "Duplex", "Triplex", "Fourplex", "Apartment (5+ units)", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rental_units", "label": "Number of units", "question": "How many separate rental units are in the building? Enter 1 for a single-family home.", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hoa_master_policy", "label": "HOA master policy (condos and townhouses)", "question": "If any of the properties are condos or townhouses: which owners association is each one in, and do you know what the association's master insurance policy covers? Common setups are bare walls (structure and common areas only), the unit as originally built, or all-in (most permanently installed parts of the unit). If several units share one association, you only need to give that association's details once. If you have the CC&Rs or the master policy declarations page, please attach a copy to your reply. Write N/A if none of the properties are condos or townhouses.", "help": "The association's documents set where its responsibility ends and yours begins, so they drive how much building coverage and loss assessment coverage a unit owner policy needs. Not sure is fine; the documents themselves are the best answer, which is why a copy is so helpful.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "year_built", "label": "Year built", "question": "What year was the home built?", "help": "Property carriers rate on age before almost anything else, so the year built lets us go straight to the right market.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "building_sqft", "label": "Square footage", "question": "What is the approximate living area square footage of the home?", "help": "Square footage sets the replacement cost the building coverage is based on, so an accurate figure keeps the dwelling limit right.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "stories", "label": "Number of stories", "question": "How many stories is the home?", "help": "Height affects how the property is rated.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "construction_type", "label": "Construction type", "question": "What is the home's construction type?", "help": "Wood frame, masonry or block, steel, and concrete each rate very differently for fire.", "type": "pillset", "options": [ "Wood frame", "Masonry or block", "Steel", "Concrete", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "roof_year", "label": "Roof last replaced", "question": "Roughly what year was the roof last replaced? If it is the original roof, give the year the building was built. If you do not know, answer Not sure.", "help": "Roof age is one of the first things a property carrier checks.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "planned_renovations", "label": "Planned renovations", "question": "Do you plan to make any renovations to the property? If so, please describe the work.", "help": "A property under renovation generally needs a different policy form than one that is ready to rent.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "renovation_intended_use", "label": "Plan after the renovation", "question": "What do you plan to do with the property once any renovation work is finished? (No renovations planned / Renovate and rent it out / Renovate and resell, fix and flip / Renovate and move in or keep it / Not decided yet)", "help": "A property being renovated to rent out generally sits on a different policy form than one being renovated to resell, so the plan after the work points to which form fits.", "type": "pillset", "options": [ "No renovations planned", "Renovate and rent it out", "Renovate and resell, fix and flip", "Renovate and move in or keep it", "Not decided yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rental_type", "label": "Rental type", "question": "Will this be a short-term rental (Airbnb, VRBO, and similar) or a long-term rental?", "help": "Short-term rentals need a different policy form than long-term leases, and using the wrong one can void coverage for guest-caused damage.", "type": "pillset", "options": [ "Short-term (Airbnb/VRBO)", "Long-term" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_prior_claims", "label": "Prior claims", "question": "Any current, ongoing, or past claims or losses at this property in the past 5 years? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "hr_claim_count", "label": "Number of claims", "question": "If you answered Yes to prior claims, how many were there? (1 / 2 / 3 / 4 or more)", "help": "", "type": "pillset", "options": [ "1", "2", "3", "4 or more" ], "required": true, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "hr_claim_total_value", "label": "Total amount paid for the claim", "question": "If there was one claim, about how much was paid on that claim in total? An estimate is fine.", "help": "", "type": "money", "options": [], "required": true, "show_if": "Number of claims is 1", "coverage_lines": [] }, { "key": "hr_claim_rows", "label": "Claim dates and amounts", "question": "If there were two or more claims, list each claim's date and about how much was paid. An estimate is fine for each amount.", "help": "", "type": "rows", "options": [], "required": false, "show_if": "Number of claims is one of: 2; 3; 4 or more", "coverage_lines": [] }, { "key": "hr_loss_runs", "label": "Upload your loss runs (optional)", "question": "Loss runs are a report from your insurance company that lists claims filed on your policy over the past several years, including dates and amounts paid. Uploading now is optional. Carriers often ask for loss runs before a policy can be bound, so we will likely need them later. Having them now can help make your quote more accurate. You can request loss runs from your current insurance company or from your insurance agent or broker.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "Prior claims starts with Yes", "coverage_lines": [] }, { "key": "additional_properties", "label": "Additional properties", "question": "Do you own other rental properties you'd like us to quote as well? For each one, list the property address, who holds title (you personally, or the exact LLC or entity name), any lender or mortgagee on that property, and anyone else who needs to be listed on that property's policy, such as a property manager or a master tenant. Write None if this is the only property. If you have 8 or more properties, you can attach your property list or ledger instead of listing each one.", "help": "Landlords often hold several properties across different names, and each address is rated and scheduled separately, so listing them lets us sort each one to the policy and carrier that fits it.", "type": "rows", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "rental_sections.1.items", "title": "Applicant Information", "scope": "Rental property", "handoff": false, "questions": [ { "key": "applicant_name", "label": "Full name", "question": "What is your full legal name?", "help": "", "type": "name", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "applicant_dob", "label": "Date of birth", "question": "What is your date of birth?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "applicant_home_address", "label": "Home address", "question": "What is your home address?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "rental_sections.2.items", "title": "Coverage & Policy Details", "scope": "Rental property", "handoff": false, "questions": [ { "key": "rental_income", "label": "Anticipated rental income", "question": "What is the anticipated annual rental income for the property?", "help": "Sets your loss-of-rents coverage. The policy can keep paying you rent while the home is being repaired after a covered loss.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "contents_coverage", "label": "Contents coverage", "question": "Will the home be furnished, and would you like contents coverage for the furnishings and other personal property inside it? (Yes, please add contents coverage / No, the home is unfurnished / It's furnished, but I'm declining contents coverage)", "help": "This records whether contents coverage was requested, declined, or not applicable, so the answer is never left in doubt on a completed application.", "type": "pillset", "options": [ "Yes, please add contents coverage", "No, the home is unfurnished", "It's furnished, but I'm declining contents coverage" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "contents_coverage_value", "label": "Contents coverage amount", "question": "If you're adding contents coverage, roughly how much personal property (furniture, electronics, decor, and similar) would you like covered?", "help": "Sets the contents (personal property) coverage limit.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "property_management", "label": "Property management", "question": "Will a property manager be involved? If so, please share the company name and address, as it may help qualify for discounts.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "additional_insured", "label": "Additional insureds", "question": "For the property above, does anyone else need to be listed on the policy as an additional insured, mortgagee, or loss payee, for example a lender or mortgage company, a property manager, a member or holding LLC, or a master tenant? If so, give each party's name, mailing address, and their relationship to you. Write None if there aren't any. You don't need to repeat parties for the other properties; we collect those with the property itself above.", "help": "An additional insured, mortgagee, or loss payee is a party you've agreed to protect or name on the policy. Listing them up front avoids a mid-term policy change and a re-issued certificate later.", "type": "addl-parties", "options": [ "No", "Yes" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rental_umbrella", "label": "Umbrella / excess liability", "question": "Would you like us to consider an umbrella (excess liability) policy that adds a layer of liability protection above this rental's coverage? If yes, tell us the limit you have in mind (for example $1 million) and whether you own other rental properties, homes, or vehicles it should also sit over.", "help": "An umbrella is often an inexpensive way to raise your liability protection well above the base policy limit, and a single umbrella can frequently sit over several properties and vehicles at once. Saying no here just records your preference; you can bring it up again anytime, and Lee may still suggest it if it looks like a good fit.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "current_coverage_active", "label": "Current coverage", "question": "Do you currently have active insurance coverage in place for this property? (Yes/No)", "help": "Helps us tell a new purchase that needs coverage right away apart from a property already insured that you're remarketing, or one where coverage may have lapsed.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "coverage_purpose", "label": "Purpose for coverage", "question": "Are you seeking coverage for a new purchase, shopping for better rates, or seeking coverage for a non-renewed policy?", "help": "", "type": "pillset", "options": [ "New purchase", "Shopping for better rates", "Seeking coverage for a non-renewed policy" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "coverage_purpose_nonrenewal_reason", "label": "Reason for non-renewal", "question": "If you answered that you're seeking coverage for a non-renewed policy, please indicate the reason the policy has been terminated or non-renewed.", "help": "Please provide any information you have regarding why the prior policy was terminated or non-renewed. This may include reasons provided by the insurance company, changes in property condition, claims history, underwriting concerns, or other factors. Providing this information helps us better understand your insurance needs and identify appropriate options.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "effective_date", "label": "Effective date", "question": "When would you like the policy to begin?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "contact_info", "label": "Contact information", "question": "What is your preferred phone number and mailing address?", "help": "", "type": "contact details", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "roofing.items", "title": "A Few Details Specific to Your Business", "scope": "Roofing", "handoff": false, "questions": [ { "key": "roofing_safety", "label": "Roofing safety", "question": "Do you have a written safety program and a fire-watch procedure for cutting, welding, soldering, or other hot work at a customer's location?", "help": "Most roofing carriers ask for a written program and a documented fire watch, and hot work without one is a common reason a roofer is declined.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_years_business", "label": "Years in business", "question": "How many years has the business been operating?", "help": "Carriers rate roofers partly on how long the business has operated.", "type": "years", "options": [ "New venture", "In business for…" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_years_experience", "label": "Years of roofing experience", "question": "How many years of experience do you personally have in roofing?", "help": "Owner experience is a key underwriting factor for roofing risks.", "type": "years", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_new_multifamily", "label": "New multi-family / tract work", "question": "Will any of your work involve new construction of tract homes, multi-family buildings, or apartment complexes? (Yes / No)", "help": "New tract and multi-family construction is a much higher-risk category for roofers and many carriers exclude it, so we need to know up front to place you with the right market.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_ops_mix", "label": "Type of work", "question": "Roughly what percent of your roofing work is new construction, repair/patching, and replacement? (should total 100%)", "help": "New construction, repair and replacement carry different defect exposures, so the mix decides the rate and sometimes the market.", "type": "percentage mix", "options": [ "New construction", "Repair / patching", "Replacement" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_property_mix", "label": "Property types", "question": "Roughly what percent of your work is commercial, residential, and industrial? (should total 100%)", "help": "Commercial, residential and industrial roofing are rated separately, and some programs write only one of the three.", "type": "percentage mix", "options": [ "Commercial", "Residential", "Industrial" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_types_mix", "label": "Roof types", "question": "Roughly what percent of your work is each roof type: flat, metal, pitched, asphalt shingle, single-ply, tile, fiberglass, wood, polyurethane foam, hot tar, slate, torch down, other? (should total 100%)", "help": "Roof type drives both the fire exposure and the defect exposure. Hot tar and torch-down price very differently from shingle work, so the mix matters more than the total.", "type": "percentage mix", "options": [ "Flat roofs", "Metal", "Pitched roofs", "Asphalt shingle", "Single-ply", "Tile", "Fiberglass", "Wood", "Polyurethane foam", "Hot tar", "Slate", "Torch down", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_other_ops", "label": "Other operations", "question": "Do you do any work besides roofing, for example waterproofing, siding, rain gutters, or carpentry? If so, what, and roughly what share of your revenue?", "help": "Work outside roofing is its own class code. Left undeclared it can be uncovered at claim time, and declared it may simply move the account to a carrier that writes both.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_wrap_up", "label": "Wrap-up / OCIP projects", "question": "Are you currently working on any wrap-up or OCIP (owner-controlled insurance program) projects? If yes, what is the projected cost?", "help": "On wrap-up/OCIP projects the project owner provides the liability coverage, so those payrolls are handled differently on your policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_hot_work", "label": "Hot-process precautions", "question": "If you use hot tar, torch-down, or other hot processes: what safety precautions are in place during the work?", "help": "Hot processes are the leading cause of roofing fire claims, so the precautions in place are what a carrier prices the exposure against.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_max_height", "label": "Maximum building height", "question": "What is the tallest building you work on? (number of stories)", "help": "Height is the single biggest driver of the fall exposure carriers rate, and several roofing programs stop writing above a set number of stories.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_fall_protection", "label": "Fall protection", "question": "Which fall-protection systems do you use on buildings over 3 stories?", "help": "Fall protection is one of the biggest liability and workers-comp rating factors for roofers. Carriers price the risk very differently depending on what's in place.", "type": "multichips", "options": [ "Guardrail system with toe boards", "Safety net", "Personal fall arrest system", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_public_protection", "label": "Public protection", "question": "How do you keep people on the ground away from falling material at a job site? Select all that apply: ground barricades, cones or caution tape; a spotter or flagger on the ground; debris netting or a covered walkway; enclosed debris chutes; warning signs posted; the dumpster or drop zone roped off; work scheduled outside normal business hours; none of these.", "help": "Falling material is the roofing claim that hits a third party rather than a crew member, so this is the answer a general liability underwriter looks for first. Picking from the list is also how the carrier's own supplement asks it.", "type": "multichips", "options": [ "Ground barricades, cones or caution tape", "A spotter or flagger on the ground", "Debris netting or a covered walkway", "Enclosed debris chutes", "Warning signs posted", "The dumpster or drop zone roped off", "Work scheduled outside normal business hours", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_material_lift", "label": "Material handling", "question": "How do shingles, tile and other material get up to the roof? Select all that apply: ladder hoist or conveyor; boom truck or telehandler; crane; forklift; carried up by hand; hoisted by rope or pulley; the supplier stocks the roof for us.", "help": "Hoisting is where the crew and the public are both exposed at once, and carrying material up a ladder by hand rates very differently from a boom truck, so carriers ask exactly how it is done.", "type": "multichips", "options": [ "Ladder hoist or conveyor", "Boom truck or telehandler", "Crane", "Forklift", "Carried up by hand", "Hoisted by rope or pulley", "The supplier stocks the roof for us" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_openings", "label": "Overnight openings", "question": "How is an open roof protected overnight? Select all that apply: Tarped and weighted down; Plywood decked over; Temporary membrane or dry-in layer; Safety railing or perimeter warning line; Debris netting; We never leave a roof open overnight.", "help": "An open roof overnight is a water-damage claim waiting on the weather, and it is one of the few exposures a carrier can see you actively managing.", "type": "multichips", "options": [ "Tarped and weighted down", "Plywood decked over", "Temporary membrane or dry-in layer", "Safety railing or perimeter warning line", "Debris netting", "We never leave a roof open overnight" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_rainstorm", "label": "Rainstorm precautions", "question": "What do you do when a rainstorm is forecast? Select all that apply: Dry in the exposed area before leaving; Tarp and weight everything down; Stop tearing off new area; Clear drains and scuppers; Move materials off the roof; Watch the forecast and reschedule the work.", "help": "Sudden-storm procedure is the other half of the open-roof exposure, and in Arizona monsoon season concentrates it into a few months.", "type": "multichips", "options": [ "Dry in the exposed area before leaving", "Tarp and weight everything down", "Stop tearing off new area", "Clear drains and scuppers", "Move materials off the roof", "Watch the forecast and reschedule the work" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_inspection", "label": "Completion inspection", "question": "Does a foreman or supervisor inspect every job on completion? (Yes/No)", "help": "A documented completion inspection is a credit with most roofing carriers and is often the difference between a defect claim being defensible or not.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_asbestos", "label": "Asbestos", "question": "Have you ever used, sold, installed, or removed asbestos? (Yes/No; if yes, explain)", "help": "Older roofs can contain asbestos, and any work touching it is generally excluded from a standard roofing policy and needs a separate pollution market.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_cranes", "label": "Cranes", "question": "Do you use cranes?", "help": "Crane use adds a rigging and overhead exposure that is rated on top of the roofing class, and some programs exclude it.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_crane_tons", "label": "Crane size (tons)", "question": "If you use cranes, what size (tons) do you typically use?", "help": "Capacity is how carriers size the crane exposure, since a boom truck and a lattice crane are not the same risk.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_crane_boom_length", "label": "Crane boom length", "question": "What is the boom length of the crane(s) you use?", "help": "Boom length sets the reach and the radius a dropped load could travel, which is what the third-party exposure is measured on.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_crane_owned_rented", "label": "Crane owned or rented", "question": "Are the cranes you use owned by the business or rented?", "help": "Owned cranes need physical-damage coverage and rented ones usually need rented-equipment coverage, so this decides which part of the policy has to respond.", "type": "pillset", "options": [ "Owned", "Rented" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_crane_barriers", "label": "Crane work-area barriers", "question": "Do you set up barriers or a controlled work area around the crane while it's operating?", "help": "A controlled area under an operating crane is the precaution that separates a struck-by claim from a near miss, and carriers ask about it directly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_crane_maintenance", "label": "Crane maintenance schedule", "question": "Is the crane equipment on a regular maintenance schedule?", "help": "A documented maintenance schedule is a credit, and mechanical failure on an unmaintained crane is a claim most carriers will contest.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_crane_trained", "label": "Crane operator training", "question": "Are crane operators trained and certified?", "help": "Untrained crane operation is one of the fastest ways a roofing risk gets declined, so carriers ask this directly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_plans", "label": "Plans & design", "question": "Do you draw plans, designs, or specifications? (Yes/No; if yes, describe)", "help": "Drawing plans or specifications adds a professional exposure that a general liability policy generally does not cover, so it may need a separate errors and omissions line.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_warranties", "label": "Warranties", "question": "Do you offer warranties on your work? (Yes/No)", "help": "A workmanship warranty is a contractual promise, and how far it goes past the standard is something carriers rate and sometimes exclude.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_owner_payroll", "label": "Owner/partner payroll", "question": "What is the annual payroll for owners/partners actively working in the field?", "help": "Owner payroll is rated separately from employee payroll on the roofing supplement.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_subcontractor_cost", "label": "Subcontractor cost", "question": "What is the total annual amount you pay to subcontractors?", "help": "Subcontractor cost is a rating basis on roofing policies alongside payroll, and uninsured sub cost is generally charged back to your policy at audit.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_uninsured_sub_payroll", "label": "Uninsured subcontractor payroll", "question": "Of that subcontractor cost, roughly how much goes to subcontractors who do NOT carry their own insurance?", "help": "Uninsured subcontractor payroll gets charged to your own policy at audit, so carriers price for it up front.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_leased_employee_payroll", "label": "Leased employee payroll", "question": "If you use leased employees (from a staffing or PEO firm), what is their annual payroll?", "help": "Leased and PEO staff are generally rated differently from your own employees, so their payroll is separated to keep the rating basis honest.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_sub_min_limits", "label": "Subcontractor minimum limits", "question": "Do you require subcontractors to carry minimum liability limits? If yes, what are they?", "help": "The lowest limit anywhere in your subcontractor chain is the one your own policy tends to stand behind, so carriers rate the account on it.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_sub_limits_less", "label": "Subs carry lower limits than you", "question": "Do any of your subcontractors carry coverage or limits lower than yours? (Yes/No)", "help": "Same reason as the limits question above: a subcontractor carrying less than you leaves the difference sitting on your policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_sub_coi_required", "label": "Subcontractor COI required", "question": "Do you require a certificate of insurance from every subcontractor before they start work?", "help": "Subcontractors who cannot show their own insurance are generally charged back to your policy at audit, which affects both the premium and the audit bill.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_sub_coi_years", "label": "Years requiring subcontractor COIs", "question": "How many years have you required certificates of insurance from subcontractors?", "help": "How long you have collected certificates tells a carrier how much of your completed-operations tail is backed by someone else's insurance rather than yours.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_sub_ai_required", "label": "Subcontractor names you as AI", "question": "Do you require subcontractors to name your business as an additional insured on their policy?", "help": "Being named as an additional insured on the subcontractor's policy is generally what gives you access to their coverage for work they performed, subject to policy wording and carrier guidelines.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_sub_hold_harmless", "label": "Subcontractor hold-harmless", "question": "Do you use a signed subcontract with an indemnification / hold-harmless clause in your favor?", "help": "A signed indemnity in your favor is what lets your carrier pursue the subcontractor's insurer instead of paying the claim itself.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_lease_equipment", "label": "Leases equipment to others", "question": "Do you lease or loan any of your equipment to others? If yes, please describe.", "help": "Equipment in someone else's hands is a separate exposure from equipment your crew operates, and it is generally not covered the same way.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_largest_jobs", "label": "Largest jobs", "question": "List your three largest jobs in the last five years and the type of roofing process used on each, one per line as “Job / process used.”", "help": "Your largest jobs show the top of your range rather than the average, and the roofing process used on each is what the carrier rates the defect exposure against.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_gross_sales_history", "label": "Gross sales history", "question": "What were your gross sales for the last 3 years? One per line, as “Year: $amount.”", "help": "Three years of sales show whether the business is growing, flat or shrinking, which carriers read as a risk signal on its own and use to set the rating basis.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_hold_harmless_agreements", "label": "Contractual hold-harmless agreements", "question": "Do any of your contracts include a hold-harmless or indemnification agreement in someone else's favor? If so, please describe.", "help": "A hold-harmless clause where you indemnify someone else shifts liability onto your policy, so carriers want to see the wording.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] }, { "key": "roofing_osha", "label": "OSHA compliance", "question": "Are you complying with all state and OSHA regulations? (Yes/No)", "help": "An open OSHA matter is something carriers find on their own, and it is far better placed as a disclosure than as a discovery.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [ "general_liability", "workers_comp" ] } ] }, { "id": "tract.items", "title": "Tract / new development supplemental", "scope": "Tract development", "handoff": false, "questions": [ { "key": "tract_other_businesses_detail", "label": "Other businesses", "question": "If the ownership-in-another-business answer was Yes, list each business and describe its operations.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Ownership in another business starts with Yes)", "coverage_lines": [] }, { "key": "tract_bankruptcy_detail", "label": "Bankruptcy detail", "question": "If the bankruptcy answer was Yes, provide the entity, date, court or jurisdiction, and current status.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Bankruptcy history starts with Yes)", "coverage_lines": [] }, { "key": "tract_financial_history", "label": "Five-year financial history", "question": "Provide gross sales, payroll, and subcontractor cost for the next 12 months and each of the prior four years.", "help": "", "type": "tract-grid", "options": [], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_property_work_mix", "label": "New and repair work by property type", "question": "For each property type where you work, enter the percent that is new construction and the percent that is repair or remodel. Each used row should total 100%.", "help": "", "type": "tract-grid", "options": [], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_role_mix", "label": "Contracting role mix", "question": "What percent of your work is as a general contractor, subcontractor, and construction manager? The total should be 100%.", "help": "", "type": "percentage mix", "options": [ "General contractor", "Subcontractor", "Construction manager" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_interior_exterior_mix", "label": "Interior and exterior work", "question": "What percent of your work is interior and what percent is exterior? The total should be 100%.", "help": "", "type": "percentage mix", "options": [ "Interior", "Exterior" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_trades", "label": "Trades performed", "question": "Select every trade you perform and enter the percent performed by your own crew and the percent subcontracted. Each selected trade should total 100%.", "help": "", "type": "tract-trades", "options": [ "Airport runways", "Grading", "Asbestos abatement", "HVAC", "Blasting", "Insulation", "Bridges", "Masonry", "Carpentry", "Mechanical", "Cell towers", "Mold remediation", "Concrete", "Painting", "Conduits", "Paving", "Crane operations", "Pile driving", "Dams", "Plastering", "Demolition", "Plumbing", "Doors and windows", "Power lines", "Drilling", "Roofing", "Drywall", "Sewer and water mains", "EIFS", "Steel erection", "Electrical", "Street and road work", "Excavation", "Stucco and siding", "Fire sprinklers", "Swimming pools", "Foundations", "Traffic control", "Gas mains", "Waterproofing" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_past_projects", "label": "Three largest completed projects", "question": "List the three largest projects completed in the past three years, with a description and contract value for each.", "help": "", "type": "tract-grid", "options": [], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_planned_projects", "label": "Three largest planned projects", "question": "List the three largest projects planned for the next 12 months, with a description and contract value for each.", "help": "", "type": "tract-grid", "options": [], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_cranes", "label": "Cranes", "question": "Will any work involve cranes? (Yes / No) If yes, describe who owns and operates them and the largest capacity.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_scaffolding", "label": "Scaffolding", "question": "Will any work involve scaffolding? (Yes / No) If yes, describe the type, maximum height, and who erects it.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_subsidence", "label": "Subsidence", "question": "Have you built, or will you build, on areas with recent subsidence activity? (Yes / No) If yes, describe it.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_above_two_stories", "label": "Work above two stories", "question": "Will any exterior work be above two stories? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_above_two_stories_percent", "label": "Work above two stories, percent", "question": "What percent of your exterior work will be above two stories?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Work above two stories starts with Yes)", "coverage_lines": [] }, { "key": "tract_max_height", "label": "Maximum work height", "question": "What is the maximum exterior-work height?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Work above two stories starts with Yes)", "coverage_lines": [] }, { "key": "tract_below_grade", "label": "Work below grade", "question": "Will you work below grade? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_below_grade_percent", "label": "Work below grade, percent", "question": "What percent of your work will be below grade?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Work below grade starts with Yes)", "coverage_lines": [] }, { "key": "tract_max_depth", "label": "Maximum work depth", "question": "What is the maximum depth below grade?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Work below grade starts with Yes)", "coverage_lines": [] }, { "key": "tract_ground_up_homes", "label": "Ground-up homes", "question": "Will you build ground-up homes? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_ground_up_max_year", "label": "Ground-up homes per year", "question": "What is the maximum number of ground-up homes you will build in one year?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Ground-up homes starts with Yes)", "coverage_lines": [] }, { "key": "tract_ground_up_max_tract", "label": "Ground-up homes per tract", "question": "What is the maximum number of homes in any one tract or development?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND Ground-up homes starts with Yes)", "coverage_lines": [] }, { "key": "tract_hazardous_activities", "label": "Hazardous activities", "question": "Select every activity that applies: blasting; EIFS; hazardous-material work; cofferdam or caisson work; shoring or underpinning; mold remediation; none of these.", "help": "", "type": "multichips", "options": [ "Blasting", "EIFS", "Hazardous-material work", "Cofferdam or caisson work", "Shoring or underpinning", "Mold remediation", "None of these" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_same_subcontractors", "label": "Regular subcontractors", "question": "Do you regularly use the same subcontractors? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_sub_written_contracts", "label": "Written subcontract agreements", "question": "Do all subcontractors have written contracts? (Yes / No)", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_waiver_subrogation", "label": "Waiver of subrogation", "question": "Do subcontract agreements require a waiver of subrogation in your favor? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_uninsured_subcontractors", "label": "Uninsured subcontractors", "question": "Will any subcontractor work without its own liability and workers compensation insurance? If yes, describe the work and estimated annual cost.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_safety_program", "label": "Formal safety program", "question": "Do you have a formal written safety program? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_faulty_construction", "label": "Faulty-construction accusations", "question": "In the past five years, have you been accused of faulty construction or defective workmanship? (Yes / No) If yes, describe the allegation and outcome.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_other_operations", "label": "Other operations", "question": "Do you perform any operations not described elsewhere in this application? (Yes / No) If yes, describe them.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case))", "coverage_lines": [] }, { "key": "tract_roofing_work_mix", "label": "Roofing property mix", "question": "What percent of roofing work is residential and what percent is commercial or industrial? The total should be 100%.", "help": "", "type": "percentage mix", "options": [ "Residential", "Commercial or industrial" ], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes)", "coverage_lines": [] }, { "key": "tract_roofing_project_mix", "label": "Roofing project mix", "question": "What percent of roofing work is replacement and what percent is new construction? The total should be 100%.", "help": "", "type": "percentage mix", "options": [ "Replacement", "New construction" ], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes)", "coverage_lines": [] }, { "key": "tract_roofing_product_mix", "label": "Roofing product mix", "question": "What percent of roofing work uses hot tar, built-up roofing, modified bitumen, and EPDM? The total should be 100%.", "help": "", "type": "percentage mix", "options": [ "Hot tar", "Built-up roofing", "Modified bitumen", "EPDM" ], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes)", "coverage_lines": [] }, { "key": "tract_roofing_systems", "label": "Roofing systems installed", "question": "Enter the percent of work for each roofing system you install. The used rows should total 100%.", "help": "", "type": "tract-grid", "options": [], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_heat_equipment", "label": "Tar or asphalt heating equipment", "question": "Do you use tar or asphalt heating equipment? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_heat_safety", "label": "Heating-equipment controls", "question": "Select every control that applies: All kettles or heat processing equipment are placed at ground level; Barriers are present which prohibit the general public from entering the jobsite; 15 lb. or larger charged ABC extinguishers are present at all jobsites; Personnel remain at jobsite for at least 30 minutes after equipment has been shut off or removed.", "help": "", "type": "multichips", "options": [ "All kettles or heat processing equipment are placed at ground level", "Barriers are present which prohibit the general public from entering the jobsite", "15 lb. or larger charged ABC extinguishers are present at all jobsites", "Personnel remain at jobsite for at least 30 minutes after equipment has been shut off or removed" ], "required": true, "show_if": "(((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes) AND Tar or asphalt heating equipment starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_torch", "label": "Torch-applied roofing", "question": "Do you perform torch-applied roofing? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_torch_percent", "label": "Torch-applied work, percent", "question": "What percent of roofing work is torch applied?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "(((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes) AND Torch-applied roofing starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_certa", "label": "CERTA training", "question": "Are torch operators CERTA trained? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes) AND Torch-applied roofing starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_spray", "label": "Spray applications", "question": "Do you perform spray-applied roofing or coatings? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_flammable", "label": "Flammable spray materials", "question": "Are any spray materials flammable? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "(((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes) AND Spray applications starts with Yes)", "coverage_lines": [] }, { "key": "tract_roof_spray_process", "label": "Spray process", "question": "Describe the spray materials, application process, ventilation, and ignition controls.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "(((New residential / tract / apartments starts with Yes OR New multi-family / tract work starts with Yes OR New developments starts with Yes OR New condo, tract or townhome construction includes the selected option condominiums (ignoring letter case) OR New condo, tract or townhome construction includes the selected option condo conversions (ignoring letter case) OR New condo, tract or townhome construction includes the selected option tract housing (ignoring letter case) OR New condo, tract or townhome construction includes the selected option townhomes (ignoring letter case) OR Operations outside drywall contains more than 50% of work on new construction (ignoring letter case)) AND New multi-family / tract work starts with Yes) AND Spray applications starts with Yes)", "coverage_lines": [] } ] }, { "id": "subtypes.0.items", "title": "Drone Operation", "scope": "Drone Operation", "handoff": false, "questions": [ { "key": "drone_other_coverage", "label": "Other coverage besides drones", "question": "Besides drone coverage, would you like us to quote any other business insurance for you? General liability covers third-party bodily injury or property damage claims, commercial auto covers vehicles you use for the business, and business property covers your gear and workspace. (Yes, quote other coverage too / No, I only need drone coverage)", "help": "If you only need drone coverage you can buy it directly through SkyWatch in a few minutes. If you'd also like other business coverage, a short questionnaire follows so Lee can shop it for you.", "type": "pillset", "options": [ "Yes, quote other coverage too", "No, I only need drone coverage" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.1.items", "title": "Pest Control Specific Questions", "scope": "Pest Control Specific Questions", "handoff": false, "questions": [ { "key": "pest_special_ops", "label": "Special operations", "question": "Please indicate if any of the following apply: commercial heat treatment for bedbug control; use of firearms (other than pellet guns or air rifles) for wildlife control; work on farms, crops, or other agriculture-related industry; more than 25% of revenue in repair work (wildlife and termite repair).", "help": "", "type": "multichips", "options": [ "Commercial heat treatment (bedbugs)", "Firearms for wildlife control", "Farm / crop / agriculture work", "Over 25% revenue in repair work", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pest_service_lines", "label": "Service lines and revenue", "question": "For each service below, indicate Yes/No and the revenue you anticipate this coming year: general household pest control; bed bug treatment; fumigation; wildlife control; termite treatment; wood-destroying insect inspections; lawn care services; tree spraying/trimming services; pesticide retail sales.", "help": "", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.2.items", "title": "Equine Specific Questions", "scope": "Equine Specific Questions", "handoff": false, "questions": [ { "key": "equine_exclusion_flags", "label": "Operations check", "question": "Do any of the following apply to your operations? (Yes/No each): rental of saddle animals hired by the hour or day to the general public (including hay rides, carriage rides, sleigh rides, trail and endurance rides, pack trips); trainers, instructors, or clinicians under age 18 conducting business on your premises; stallions used for riding instruction that are not owned or leased by the student; managing and/or conducting rodeos; pony rides as primary operations or held off premises; processing or slaughtering animals for meat on premises; housing or breeding exotic animals; facility primarily used for veterinary services and rehabilitation.", "help": "", "type": "multichips", "options": [ "Saddle animals rented to the public", "Instructors under 18", "Stallions used for instruction", "Rodeos", "Pony rides off-premises", "On-site slaughter / processing", "Exotic animals", "Primarily veterinary / rehab", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_associations", "label": "Associations", "question": "Are you a member of any associations? If so, which one(s)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_property", "label": "Property responsibility", "question": "Do you own, lease, or have legal responsibility for the property where your owned horses are kept and/or where you run your equine operations? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_primary_ops", "label": "Primary operations", "question": "Which of the following primary operations apply? (Yes/No each): boarding of others' equines; breeding; farrier services for non-owned equines; leasing horses to others; pleasure (own horses); riding instruction to students; teaching clinics; training of others' equines.", "help": "", "type": "multichips", "options": [ "Boarding others' horses", "Breeding", "Farrier services", "Leasing horses out", "Pleasure (own horses)", "Riding instruction", "Teaching clinics", "Training others' horses", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_five_school_horses", "label": "School horses per lesson", "question": "Do you use more than 5 school horses at any one time during a lesson? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_safety_gear", "label": "Safety gear", "question": "Do you require all riders to wear appropriate safety gear customary to their discipline? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_secondary_ops", "label": "Secondary operations", "question": "Which of the following secondary operations apply? (Yes/No each): day or overnight camp; equine rescue; hay rides / sleigh rides; hosting shows or clinics; leasing equines to camps or resorts; parades; pony rides; racehorse training; sale of hay, tack, food, or clothing; sale of equines; therapeutic equine activities (including equine-assisted psychotherapy or learning).", "help": "", "type": "multichips", "options": [ "Day / overnight camp", "Equine rescue", "Hay / sleigh rides", "Hosting shows or clinics", "Leasing to camps / resorts", "Parades", "Pony rides", "Racehorse training", "Sale of hay / tack / food", "Sale of horses", "Therapeutic activities", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_manager", "label": "Primary manager", "question": "Who is the primary manager of your operations?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_rec_vehicles", "label": "Recreational vehicles", "question": "Do you use any recreational vehicles for your operations? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_instructors", "label": "Instructors, trainers, and clinicians", "question": "How many total instructors, trainers, and clinicians work at your facility (including yourself, employees, and independents)? For each, please provide: full name; whether the person is 18 years or older (Yes/No); and whether the person has more than 5 years of experience as a riding instructor or equine trainer (Yes/No).", "help": "", "type": "rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_uninsured_independents", "label": "Uninsured independents", "question": "Of that total, how many independents working for you do not carry their own liability insurance?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_teach_lessons", "label": "Lessons taught", "question": "Do you, an employee, and/or an independent teach lessons? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_student_horse_receipts", "label": "Student-horse receipts", "question": "Annual gross receipts for instruction given on student-owned horses:", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_owned_per_lesson", "label": "Owned horses per lesson", "question": "In a single lesson, how many owned/leased school horses, assigned by an instructor, may be used at one time?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_nonowned_per_lesson", "label": "Non-owned horses per lesson", "question": "In a single lesson, how many non-owned school horses, assigned by an instructor, may be used at one time?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_liability_law", "label": "Equine liability law", "question": "Do you abide by the equine liability law in your state and post state statutory signs where applicable? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "equine_waiver", "label": "Waiver/release", "question": "Do you require a signed waiver/release for all equine activities? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.3.items", "title": "Car Dealership Specific Questions", "scope": "Car Dealership Specific Questions", "handoff": false, "questions": [ { "key": "dealer_vehicles_sold", "label": "Vehicles sold", "question": "What cars will you be selling (for example used vehicles only, passenger cars, SUVs)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_inventory", "label": "Inventory", "question": "How many vehicles will you have at a time?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_unit_value", "label": "Typical value per unit", "question": "Typical value per unit:", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_max_lot", "label": "Max total lot value", "question": "Maximum total lot value at one time:", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_titles", "label": "Titles", "question": "Which title types do you handle (for example clean, salvage)? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Clean", "Salvage", "Rebuilt / reconstructed", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_consignment", "label": "Consignment", "question": "Will you sell on consignment? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_financing", "label": "Financing", "question": "Will you offer financing? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_sqft", "label": "Building square footage", "question": "Building square footage:", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_storage", "label": "Storage", "question": "Storage (indoors or outdoors):", "help": "", "type": "pillset", "options": [ "Indoors", "Outdoors", "Both" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_security", "label": "Lot security", "question": "How is the lot secured? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "None", "Fence & gate", "Post & cable", "Inside a building", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_secondary_storage", "label": "Secondary storage", "question": "Secondary storage location address, if applicable:", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_test_drives", "label": "Test drives", "question": "Will you allow test drives? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_who_drives", "label": "Who drives / transports vehicles", "question": "How are newly acquired vehicles driven or transported to your lot? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Owner or employees drive them", "Transported by trailer / tow", "Transporter service", "Contract drivers" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_known_drivers", "label": "Known drivers", "question": "For any known employee or owner drivers now, please provide full name, date of birth, driver's license number, and the state that issued it.", "help": "", "type": "driver_rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_plates", "label": "Dealer plates", "question": "Will you use dealer plates, and if so how many?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_personal_use", "label": "Personal use", "question": "Personal use of inventory? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_sales_channels", "label": "Sales channels", "question": "Roughly what percent of your vehicle sales are retail, broker, and wholesale? (should total 100%)", "help": "", "type": "percentage mix", "options": [ "Retail", "Broker", "Wholesale" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_inventory_mix", "label": "Inventory mix", "question": "Roughly what percent of your inventory is each vehicle type? (should total 100%)", "help": "", "type": "percentage mix", "options": [ "Private passenger autos (cars, SUVs, pickups, vans)", "Antique / classic", "Commercial vehicles", "Motorcycles & off-road", "RVs / motorhomes", "Salvage titles", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_does_service", "label": "Service / repair work", "question": "Do you do any service or repair work for customers (not just prepping your own inventory)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_service_types", "label": "Services performed", "question": "Which services do you perform? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Airbags / safety systems", "Air conditioning", "Alignment", "Antique / classic restoration", "Batteries", "Brakes", "Diagnostics", "Car wash / detailing", "Customization / fabrication", "Driver assist technology (ADAS)", "Lift kits", "Paint & body", "Performance enhancement", "Self-park parking / charging stations", "Tires (sales or service)", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_keys", "label": "Key security", "question": "How are vehicle keys secured? (Select all that apply. Applies during business hours and after closing.)", "help": "", "type": "multichips", "options": [ "Key cabinet in office", "In or on the vehicle", "Vehicle-mounted lockbox", "Taken home", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_loaners", "label": "Loaner / rental vehicles", "question": "Do you ever loan or rent vehicles to customers? If yes: is there a signed agreement, do you copy the driver's license and verify their auto insurance, and what is the minimum age?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_household", "label": "Household drivers", "question": "Have all household members and anyone who might drive your vehicles (including children away at college) been disclosed?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_other_exposures", "label": "Other exposures", "question": "Do any of these apply to your operation? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Racing / exhibition exposure", "Auto auction operations", "Auto pawn", "Towing for hire", "Importing or exporting vehicles", "Leasing plates to others", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_offsite_vehicles", "label": "Off-site / street parking", "question": "Do you ever park customer or inventory vehicles on the street, or store or display vehicles anywhere other than your lot?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_years_business", "label": "Years in business", "question": "If the business is already operating: how many years has the business been operating?", "help": "", "type": "years", "options": [ "New venture", "In business for…" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_years_experience", "label": "Years of dealer experience", "question": "How many years of experience do you personally have as a dealer?", "help": "", "type": "years", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_gross_receipts_service", "label": "Gross receipts: service", "question": "What are your estimated annual gross receipts from service/repair work?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_gross_receipts_sales", "label": "Gross receipts: sales", "question": "What are your estimated annual gross receipts from vehicle sales?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_prior_cancelled", "label": "Prior coverage cancelled/declined", "question": "Has any prior garage or dealer insurance policy ever been cancelled, declined, or non-renewed?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_other_businesses", "label": "Other businesses at this location", "question": "Is any other business operated at this location (besides the dealership)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_rents_space", "label": "Rents space to others", "question": "Do you rent or lease any part of your premises to another business?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_firearms_onsite", "label": "Firearms on premises", "question": "Are firearms kept on the premises?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_transporter_plates", "label": "Transporter plates", "question": "Do you use transporter plates? If so, how many?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_all_drivers_licensed_2yrs", "label": "Drivers licensed 2+ years", "question": "Have all drivers held a valid license for at least 2 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_unlisted_drivers", "label": "Unlisted drivers", "question": "Is anyone who isn't listed as a driver ever permitted to drive dealership vehicles?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_has_license", "label": "Dealer license", "question": "Do you hold a valid dealer license?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_transporter_coi", "label": "Transporter COI", "question": "If you use a transporter service, do you obtain a certificate of insurance from them?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_transport_distance", "label": "Transport distance", "question": "How far do vehicles typically travel when being transported to or from your lot?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_delivers_vehicles", "label": "Delivers vehicles to customers", "question": "Do you ever deliver a vehicle to a customer's home or business?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_salvage_repair", "label": "Repairs salvage/rebuilt vehicles", "question": "Do you repair salvage or rebuilt vehicles before reselling them?", "help": "Salvage-title repair work is a materially different exposure than selling clean-title vehicles, so carriers price it separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_salvage_repair_mix", "label": "Salvage repair mix", "question": "Of that salvage/rebuilt repair work, roughly what percent is structural, mechanical, and cosmetic? (should total 100%)", "help": "", "type": "percentage mix", "options": [ "Structural", "Mechanical", "Cosmetic" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_titles_transferred_promptly", "label": "Titles transferred promptly", "question": "Are vehicle titles transferred promptly after each sale?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_buy_here_pay_here", "label": "Buy-here-pay-here financing", "question": "Do you offer buy-here-pay-here (in-house) financing?", "help": "BHPH dealers carry their own financing risk and often retain the vehicle title, which changes how the policy needs to be structured.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_bhph_lienholder_title", "label": "BHPH lienholder on title", "question": "For buy-here-pay-here sales, is the dealership listed as lienholder on the title?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_repossesses_self", "label": "Self-repossession", "question": "Do you ever repossess vehicles yourself, rather than using a repossession company?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_test_drive_supervised", "label": "Supervised test drives", "question": "Are test drives supervised (an employee rides along)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_test_drive_verify_dl", "label": "Verify license before test drive", "question": "Do you verify a customer's driver's license before allowing a test drive?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_test_drive_overnight", "label": "Overnight test drives", "question": "Are customers ever allowed to take a vehicle on an overnight test drive?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_rideshare_use", "label": "Rideshare/delivery use", "question": "Is any inventory ever used for rideshare or delivery-app driving before it's sold?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_sub_coi_obtained", "label": "Subcontractor COI", "question": "If you use subcontractors, do you obtain a certificate of insurance from each of them?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_signs_posted", "label": "Liability signs posted", "question": "Are signs posted restricting customers from work/service areas?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_sells_gasoline", "label": "Sells gasoline", "question": "Do you sell gasoline on-site?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_gasoline_service_type", "label": "Gasoline service type", "question": "If you sell gasoline, what type of service is it?", "help": "", "type": "pillset", "options": [ "Self-Service", "Full Service" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_gasoline_gallons", "label": "Gasoline gallons sold", "question": "Roughly how many gallons of gasoline do you sell per year?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_sells_lpg", "label": "Sells propane/LPG", "question": "Do you sell propane or LPG on-site?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_pickup_delivery", "label": "Pickup/delivery service", "question": "Do you offer a vehicle pickup or delivery service for service customers?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_adas_level", "label": "ADAS calibration level", "question": "For driver-assist technology work, which level applies?", "help": "Calibrating advanced driver-assist or self-driving systems is a distinct, higher liability exposure than routine mechanical work.", "type": "pillset", "options": [ "Assists driver, requires intervention", "Fully self-driving, no human attention" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_lift_kit_over_6in", "label": "Lift kits over 6 inches", "question": "Do you ever install lift kits that raise the vehicle more than 6 inches?", "help": "Lift kits over 6 inches change a vehicle's handling enough that some carriers restrict or exclude the work.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_lift_kit_mix", "label": "Lift kit work mix", "question": "Of your lift kit work, roughly what percent is body lifts vs. suspension lifts? (should total 100%)", "help": "", "type": "percentage mix", "options": [ "Body lifts", "Suspension lifts" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_paint_booth", "label": "Paint booth", "question": "Do you have a dedicated paint booth?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_flammables_cabinet", "label": "Flammables storage cabinet", "question": "Are flammable materials stored in an approved fire-rated cabinet?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_performance_street_legal", "label": "Performance work: street legal", "question": "For performance-enhancement work, do all vehicles remain street legal afterward?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_charging_stations", "label": "EV charging stations", "question": "Do you have EV charging stations on-site?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_tire_qc", "label": "Tire quality control", "question": "Do you inspect and torque-check wheels after tire work?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_tire_racing_recap", "label": "Racing tires / recaps", "question": "Do you sell or install racing tires or recapped/retreaded tires?", "help": "Recapped or racing tires carry a higher failure and liability risk than standard passenger tires.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dealer_tire_work_performed", "label": "Tire work performed", "question": "Which tire services do you perform? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Fixing flats", "Tire rotation", "Tire siping", "Comp cutting", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.4.items", "title": "Assisted Living Specific Questions", "scope": "Assisted Living Specific Questions", "handoff": false, "questions": [ { "key": "alf_beds_licensed", "label": "Licensed beds", "question": "How many licensed beds does the facility have?", "help": "Licensed bed capacity is the main size and rating basis for a residential care facility, and carriers and supplemental applications generally ask for it before anything else.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_residents_current", "label": "Current residents", "question": "How many residents currently live at the facility (occupied beds)?", "help": "Occupancy against licensed capacity tells an underwriter how full the facility runs, which is read differently from the licensed number alone.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_own_lease", "label": "Own or lease the building", "question": "Who owns the building the facility operates in?", "help": "", "type": "pillset", "options": [ "We own it (directly or through a company I control)", "We lease from a third-party landlord", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_coi_required", "label": "Landlord insurance requirements", "question": "Does your lease require you to carry specific limits, or to name the landlord as an additional insured (a certificate of insurance)?", "help": "", "type": "pillset", "options": [ "Yes", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_security", "label": "Security in place", "question": "What security do you have in place? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Security cameras", "Keypad or badge access", "Door and exit alarms", "Wander-management system", "24/7 on-site staff", "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_med_admin", "label": "Medication handling", "question": "How are residents' medications handled?", "help": "", "type": "pillset", "options": [ "We administer medications", "We remind residents to take them", "Residents self-administer" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_med_staff", "label": "Medication staff", "question": "Who manages medications? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "RNs", "LPNs", "Med techs", "Caregivers", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_agency_staff", "label": "Agency / 1099 staff", "question": "Do you use any agency or 1099 staff?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_screening", "label": "Employee screening", "question": "What screening do you run on prospective employees? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Criminal background checks", "Drug testing", "Abuse-registry checks", "Reference checks", "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_training", "label": "Staff training", "question": "What training do your staff receive? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "CPR / First aid", "De-escalation", "Dementia care", "Lift and transfer", "Infection control", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_transport", "label": "Resident transportation", "question": "Do you transport residents, and in what vehicles?", "help": "", "type": "pillset", "options": [ "We don't transport residents", "Owned vehicle(s)", "Hired or non-owned vehicles", "Both owned and hired" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_driver_reqs", "label": "Driver requirements", "question": "For resident transportation, what driver controls do you have in place? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "MVR checks", "Driver training", "Trip logs", "Wheelchair lifts", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_resident_cars", "label": "Resident vehicles", "question": "Do any residents keep their own cars at the facility?", "help": "", "type": "pillset", "options": [ "No resident vehicles", "Yes, with parking controls or valet", "Yes, no special controls" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_admission_assessment", "label": "Pre-admission assessment", "question": "Do you conduct an in-person pre-admission assessment for every new resident?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_assessment_evaluates", "label": "What the assessment checks", "question": "When you assess a new resident, which of these do you check for? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Skin breakdown or ulcers", "Mobility limitations", "Prior injuries or falls", "Need for assistance", "Disorientation", "Current medications", "Wandering risk", "Cognitive ability", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_who_completes", "label": "Who completes assessments", "question": "Who completes the pre-admission assessments? (title / role)", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_denied_admissions", "label": "Denied admissions", "question": "Have you denied any admissions due to high acuity in the last two years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_reassessment", "label": "Reassessment frequency", "question": "How often do you reassess residents?", "help": "", "type": "pillset", "options": [ "On change of condition", "Monthly", "Quarterly", "Every 6 months", "Annually" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_transfer_system", "label": "Transfer to higher care", "question": "How do you decide when a resident needs to move to a higher level of care (for example a nursing home)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_attending_physician", "label": "Attending physician", "question": "Do residents have their own attending physician?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_wheelchair_count", "label": "Wheelchair / bedridden residents", "question": "How many residents are in a wheelchair most of the day, or bedridden?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_acuity_counts", "label": "Residents by Alzheimer's / dementia stage", "question": "How many residents fall into each stage?", "help": "", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_ground_floor", "label": "Ground-floor placement", "question": "Are all non-ambulatory and dementia residents housed on the ground floor?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_dementia_policy", "label": "Dementia care policy", "question": "Does your facility have a written policy identifying which types of dementia or Alzheimer's residents your staff can care for?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_wander_controls", "label": "Wandering controls", "question": "Are all exit doors alarmed, with a secured unit for residents prone to wandering?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_elopements", "label": "Elopements", "question": "How many residents have eloped (wandered off) from the facility in the last three years?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "alf_med_system", "label": "Medication system", "question": "Is a unit-dose medication system used?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.5.items", "title": "Home Care Specific Questions", "scope": "Home Care Specific Questions", "handoff": false, "questions": [ { "key": "homecare_medical", "label": "Medical services", "question": "Are any services you provide medical, skilled, clinical, or physician-directed? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "homecare_nonmedical_only", "label": "Non-medical only", "question": "Are your services limited solely to non-medical help with daily living and household tasks? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "homecare_transport", "label": "Client transportation", "question": "Will you transport any clients in a vehicle? (Yes/No) If yes, will you ever transport clients in your own vehicle (Yes/No), and will you ever transport clients in the client's vehicle (Yes/No)? Note: coverage for transporting clients in your own vehicle can be very difficult to obtain and, when available, is often very expensive under hired and non-owned auto coverage.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "homecare_sole_owner_no_employees", "label": "Single owner, no employees", "question": "Is the business a single owner with no employees and no 1099 caregivers working for you? (Yes/No)", "help": "A one-caregiver operation and an agency with staff are generally written on different programs, so this points to the programs that fit.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "homecare_owner_dob", "label": "Owner's date of birth", "question": "If you are the sole owner with no employees and no 1099 caregivers, what is your date of birth?", "help": "Programs written for a one-caregiver home care operation generally rate on the owner as an individual, so the carrier's application asks for the owner's date of birth.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.6.items", "title": "Handyman Specific Questions", "scope": "Handyman Specific Questions", "handoff": false, "questions": [ { "key": "handyman_floor_staining", "label": "Floor staining", "question": "Do you perform floor staining work? (Yes/No)", "help": "Stains and their rags are a spontaneous-combustion fire exposure, and several handyman programs exclude the work outright.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_exterior", "label": "Exterior work", "question": "Do you perform work on the exterior of buildings/homes? (Yes/No) If yes, what is the maximum number of stories you will work on the outside of a building (1, 2, 3, or more than 3)?", "help": "Exterior work is where the fall exposure lives, and most handyman programs set a story limit above which they stop writing.", "type": "yesno", "options": [ "Yes", "No", "1", "2", "3", "More than 3" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_industrial", "label": "Industrial sites", "question": "Will you perform any work at industrial sites like factories or warehouses? (Yes/No)", "help": "Factories and warehouses carry exposures a residential handyman class does not contemplate, so a carrier that writes one may not write the other.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_hazardous", "label": "Hazardous work", "question": "Do you perform any of the following or use these materials or infrastructure: asbestos, lead, or mold evaluation or abatement; blasting; cranes, lifts, or bucket trucks; demolition; emergency systems; fire suppression; foundations; hazardous material or waste removal; hydraulic fracturing (fracking); retaining walls; scaffolding operation; work at landfills (not including dropping off waste or debris); or any other similarly hazardous projects or materials? (Yes/No) Note: a Yes answer will make this risk much harder to place, and insurance costs will be significantly higher.", "help": "Each item on this list is separately excluded by most handyman programs. Naming the ones that apply lets us start with a carrier that can write them rather than waiting on a declination.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_multiunit_15", "label": "Multi-unit locations", "question": "Will you perform the same type of work in more than 15 units at a multi-unit location? (Yes/No)", "help": "Repeating the same work across many units multiplies one mistake into many claims, which is the construction-defect pattern carriers watch for.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_new_dev_10", "label": "New developments", "question": "Will you perform work in new developments or tracts where there will be more than 10 units? (Yes/No)", "help": "New tract development carries the defect exposure carriers underwrite hardest, and many handyman programs exclude it entirely.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_furniture", "label": "Furniture", "question": "Will you mass-produce furniture or produce children's furniture? (Yes/No)", "help": "Manufacturing furniture, and children's furniture in particular, is a products-liability exposure rather than a services one, and it is generally rated and placed separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_roofing", "label": "Roofing work", "question": "Will you perform any roofing work, including patch repairs or power washing / soft washing a roof? (Yes/No) Note: if yes, the insurance will be significantly more expensive.", "help": "Roofing is one of the hardest trades to place, and most handyman programs exclude it even when it is only an occasional patch.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_hospitals", "label": "Hospitals", "question": "Will you perform work in any hospitals? (Yes/No)", "help": "Hospital work brings a professional and bodily-injury exposure well above ordinary handyman work, and carriers screen for it directly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "handyman_nx_permit_work", "label": "Permit / licensed-scope work", "question": "Does any of your work require a building permit, a city or county inspection, or a contractor license - for example electrical, plumbing, HVAC, structural changes, or room additions?", "help": "The quick online policy is built for small handyman jobs. Permit- or license-scope work isn't a fit for it, so Lee can quote that work through a different market instead - this doesn't disqualify you from coverage.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.7.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "bartender_vv_ops", "label": "Excluded venues and practices", "question": "Do any of these apply: you own or operate a bar, tavern, restaurant, or club venue; service past 2:00 am; BYOB, drinking games, all-you-can-drink specials, or self-service; staff drinking during work hours; you promote or sponsor the entertainment at events; or retail package liquor sales?", "help": "The online general plus liquor liability policy is built for mobile bartenders, caterers, and concessionaires working events. Fixed venues and high-risk service practices are declined, so Lee can shop those separately.", "type": "multichips", "options": [ "We own/operate a bar, tavern, restaurant, or club", "Service past 2:00 am", "BYOB, drinking games, all-you-can-drink, or self-service", "Staff drink during work hours", "We promote/sponsor the entertainment at events", "Retail package liquor sales", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.8.items", "title": "Liquor Liability Specific Questions", "scope": "Liquor Liability Specific Questions", "handoff": false, "questions": [ { "key": "liquor_financials", "label": "Financial history", "question": "Are there past, pending, or planned foreclosures, bankruptcies, or judgments for unpaid taxes against the named insured or any officer, partner, member, or owner within the last five years? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_offsite_sales", "label": "Off-premises alcohol", "question": "Is alcohol ever sold or served away from the premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_franchisor", "label": "Franchisor", "question": "Will or has the establishment acted as a franchisor? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_solvency", "label": "Owner solvency", "question": "Have all owners and principals with a controlling interest been financially solvent for the last 12 months? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_license", "label": "Liquor license", "question": "Is a valid liquor license maintained if required by ordinance or law? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_alcohol_pct", "label": "Alcohol percentage", "question": "Sale of alcoholic beverages is what percentage of total annual food and liquor receipts?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_cooking_equipment", "label": "Cooking equipment", "question": "Are there grills, deep-fat frying equipment, or woks on the premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_deep_fryer", "label": "Deep fryer", "question": "Is there a deep-fat fryer on premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_last_service", "label": "Last alcohol service time", "question": "What is the latest time the establishment will cease the sale, service, or furnishing of alcohol?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_daily_cease", "label": "Daily cease of service", "question": "Does the establishment cease the sale, service, or furnishing of alcohol daily? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_id_scanner", "label": "ID scanner", "question": "Does the establishment use an identification scanner on all patrons, regardless of age? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_server_training", "label": "Server training", "question": "Are all alcohol-serving employees certified in a formal alcohol training course not mandated by the state? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_close_time", "label": "Closing time", "question": "What is the latest time the establishment will close and all patrons will be vacated from the premises?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_security", "label": "Security staff", "question": "Are bouncers, security, or doorpersons ever employed? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_lowest_beer", "label": "Lowest beer price", "question": "What is the lowest beer or malt beverage price offered, including happy hours and specials?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_lowest_wine", "label": "Lowest wine/liquor price", "question": "What is the lowest price offered for a glass of wine or liquor, including happy hours or specials?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_banquet_facilities", "label": "Banquet facilities", "question": "Are facilities available for banquets, receptions, or private affairs? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_banquet_freq", "label": "Banquet entertainment frequency", "question": "How often does entertainment for banquets or receptions occur at this location annually?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_major_entertainment", "label": "Major entertainment nights", "question": "How many nights of major entertainment?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_entertainment_type", "label": "Entertainment type", "question": "What is the entertainment frequency type?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_24hr", "label": "Open 24 hours", "question": "Is the establishment open 24 hours? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_byob", "label": "BYOB", "question": "Does the establishment permit BYOB? (Yes/No) If so, what percentage of patrons bring their own bottle?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_sole_occupant", "label": "Sole occupant", "question": "Is the establishment the sole occupant of the building? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_bar_seating", "label": "Bar seating", "question": "Is there a bar with seating? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_building_upkeep", "label": "Building upkeep", "question": "Is the applicant the building owner or responsible by lease for upkeep of the building, sidewalk, or parking area, including snow and ice removal? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_detectors", "label": "Smoke/heat detectors", "question": "Do all public areas, occupancies, and/or habitational units have functioning and operational smoke and/or heat detectors? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_multi_level", "label": "Multiple levels", "question": "Does the public access multiple levels within the establishment? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_extinguishers", "label": "Fire extinguishers", "question": "Are there functioning and operational fire extinguishers readily available? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_pyro_foam", "label": "Pyrotechnics/foam", "question": "Are there pyrotechnics or foam machines on the premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_oxygen_hookah", "label": "Oxygen/hookah", "question": "Is there inhalation of oxygen gas from tanks or hookah smoking on the premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_ansul", "label": "Fire suppression on cooking", "question": "Do all grills, deep-fat frying equipment, and woks have a functioning automatic fire-extinguishing system compliant with NFPA 96? (Yes/No) Does that system have an in-force cleaning contract? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_authorized_servers", "label": "Authorized servers", "question": "Are only the establishment's authorized employees or members permitted to sell, serve, or furnish alcohol at all events? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_offseason_locked", "label": "Off-season security", "question": "Is the location locked and secured during the closed season? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_seasonal", "label": "Seasonal operation", "question": "Is this a seasonal operation? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_elevated_deck", "label": "Elevated deck", "question": "Do you have a deck attached to your establishment with patron access that is elevated 8 feet or more above ground level, or on the roof of the building? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_kava", "label": "Kava products", "question": "Are any Kava products offered? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_karaoke", "label": "Karaoke", "question": "Does the establishment offer karaoke entertainment? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_staff_drinking", "label": "Staff drinking", "question": "Is anyone acting within the scope of their employment permitted to consume alcohol during their hours of employment or service if their duties involve selling, serving, or furnishing alcohol; providing security, premises entry, and/or age verification; or providing management or supervisory services? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_late_specials", "label": "Late specials", "question": "Are drink specials or happy hours offered after 9:00 PM? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_free_drinks", "label": "Complimentary drinks", "question": "Are patrons offered more than two complimentary drinks in one day? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_unlimited", "label": "All-you-can-drink", "question": "Are all-you-can-drink, bottomless drinks, or open-bar specials offered? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_bottle_service", "label": "Bottle service", "question": "Are whole bottles of liquor sold, served, or furnished for bottle service with set-ups, or are BYOB liquor set-ups offered? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_drinking_games", "label": "Drinking games", "question": "Are drinking games offered or permitted? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_egress", "label": "Means of egress", "question": "Are there at least two means of egress for every floor with public access? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "liquor_hazard_features", "label": "Hazardous features", "question": "Are there any pyrotechnics, foam machines, mosh pits, trampolines, or swimming pools on the premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.9.items", "title": "Restaurant Details", "scope": "Restaurant Details", "handoff": false, "questions": [ { "key": "restaurant_service_type", "label": "Service style", "question": "Which best describes your restaurant? Quick service / fast food; Fast casual; Full-service casual dining; Fine dining; Cafe, coffee, or bakery; Bar or brewpub with a full kitchen; Wine bar or tasting room (little or no cooking); Other.", "help": "Your service style is how carriers class a restaurant, and it drives both your pricing and which markets will quote you.", "type": "pillset", "options": [ "Quick service / fast food", "Fast casual", "Full-service casual dining", "Fine dining", "Cafe, coffee, or bakery", "Bar or brewpub with a full kitchen", "Wine bar or tasting room (little or no cooking)", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_seating", "label": "Seating capacity", "question": "About how many guests can you seat at once, indoors and outdoors combined? (Enter 0 if you're take-out or delivery only.)", "help": "Seating capacity is a core rating factor and tells carriers how large your operation is.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_latest_close", "label": "Latest hours", "question": "On your busiest night, what is the latest you stay open? We close by 10pm; Between 10pm and midnight; Between midnight and 2am; After 2am; Open 24 hours.", "help": "Late-night hours, especially with alcohol, are one of the biggest factors in how a restaurant is priced and who will quote it.", "type": "pillset", "options": [ "We close by 10pm", "Between 10pm and midnight", "Between midnight and 2am", "After 2am", "Open 24 hours" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_alcohol_pct", "label": "Alcohol share of sales", "question": "Roughly what share of your sales comes from alcohol? We don't serve alcohol; Under 10%; 10% to 25%; 25% to 50%; More than 50%.", "help": "The more of your revenue that comes from alcohol, the more liquor-liability exposure carriers see, so this helps us match you to the right market and limits.", "type": "pillset", "options": [ "We don't serve alcohol", "Under 10%", "10% to 25%", "25% to 50%", "More than 50%" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_cooking_types", "label": "Cooking methods", "question": "Which cooking methods do you use? Select all that apply: deep frying; grilling or flat-top; charbroiling or open flame; solid-fuel cooking (wood or charcoal); wok cooking; flambe or flaming dishes; no commercial cooking (microwave or warming only).", "help": "Grease-producing and open-flame cooking is the leading cause of restaurant fires, so carriers ask exactly how you cook.", "type": "multichips", "options": [ "Deep frying", "Grilling or flat-top", "Charbroiling or open flame", "Solid-fuel cooking (wood or charcoal)", "Wok cooking", "Flambe or flaming dishes", "No commercial cooking (microwave or warming only)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_hood_cleaning", "label": "Hood cleaning schedule", "question": "How often is your kitchen exhaust hood and duct system professionally cleaned? Monthly; Quarterly; Twice a year; Once a year; Only as needed; Never; We have no commercial cooking.", "help": "Regular hood and duct cleaning by a certified company is the single most important restaurant fire-safety control, and most carriers require it on a set schedule.", "type": "pillset", "options": [ "Monthly", "Quarterly", "Twice a year", "Once a year", "Only as needed", "Never", "We have no commercial cooking" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_fire_suppression", "label": "Cooking-line fire suppression", "question": "Is there an automatic fire-suppression system over the cooking line, serviced under a current contract? (If you have no commercial cooking, answer No.) (Yes/No)", "help": "A serviced hood-suppression system, often called an Ansul system, is required by most carriers wherever there is commercial cooking.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_high_risk_features", "label": "Entertainment features", "question": "Do you have any of these features or activities? Select all that apply: live music, DJ, or a dance floor; door staff or security / bouncers; late-night alcohol service (after midnight); drink specials or happy hour after 9pm; hookah; amusement features (mechanical bull, axe throwing, arcade, etc.); adult entertainment; hosting outside events (festivals, block parties); ATM on site; none of these.", "help": "Entertainment and nightlife features change a restaurant's risk profile and which carriers can quote it, so it is better to flag them up front.", "type": "multichips", "options": [ "Live music, DJ, or a dance floor", "Door staff or security / bouncers", "Late-night alcohol service (after midnight)", "Drink specials or happy hour after 9pm", "Hookah", "Amusement features (mechanical bull, axe throwing, arcade, etc.)", "Adult entertainment", "Hosting outside events (festivals, block parties)", "ATM on site", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_additional_exposures", "label": "Off-premises operations", "question": "Besides your dining room, do you also do any of these? Select all that apply: off-site catering or private events; a food truck or cart; temporary stands or booths at events; a ghost kitchen (renting kitchen space to others); delivery-only or virtual brands run from this kitchen; none of these.", "help": "These off-premises operations usually need coverage your dining-room policy does not include, so we want to capture them now.", "type": "multichips", "options": [ "Off-site catering or private events", "A food truck or cart", "Temporary stands or booths at events", "A ghost kitchen (renting kitchen space to others)", "Delivery-only or virtual brands run from this kitchen", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_delivery", "label": "Delivery", "question": "How do customers get delivery, if you offer it? We don't offer delivery; Third-party apps only (Uber Eats, DoorDash, etc.); Our own employees deliver; Both our own drivers and third-party apps.", "help": "If your own employees make deliveries, you likely need hired and non-owned or commercial auto coverage, which changes your quote.", "type": "pillset", "options": [ "We don't offer delivery", "Third-party apps only (Uber Eats, DoorDash, etc.)", "Our own employees deliver", "Both our own drivers and third-party apps" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_premises_setting", "label": "Building setting", "question": "Where is your restaurant located? Standalone building; Strip mall or shopping center; Enclosed shopping mall; Attached to apartments or condos (mixed-use); Inside a food hall or shared kitchen; Other.", "help": "Whether you share walls with homes or other tenants affects fire-separation requirements and how carriers rate the building.", "type": "pillset", "options": [ "Standalone building", "Strip mall or shopping center", "Enclosed shopping mall", "Attached to apartments or condos (mixed-use)", "Inside a food hall or shared kitchen", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_parking_lot", "label": "Parking / outdoor areas", "question": "Are you responsible for a parking lot, sidewalk, or outdoor seating area that customers use? (Yes/No)", "help": "Outdoor areas the public uses add slip, trip, and fall exposure that carriers factor into your liability coverage.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_safety_programs", "label": "Safety programs", "question": "Which of these does your restaurant have in place? Select all that apply: a certified food-safety manager (ServSafe or equivalent); a written employee training program and handbook; a formal preventative-maintenance program; security cameras; monitored fire and burglar alarms; a grease-trap or hood-cleaning service contract; none of these yet.", "help": "These programs lower your risk and can earn credits that reduce your premium, so it helps to list everything you already do.", "type": "multichips", "options": [ "A certified food-safety manager (ServSafe or equivalent)", "A written employee training program and handbook", "A formal preventative-maintenance program", "Security cameras", "Monitored fire and burglar alarms", "A grease-trap or hood-cleaning service contract", "None of these yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "restaurant_franchise", "label": "Franchise", "question": "Is your restaurant part of a franchise? (Yes/No) If yes, which brand?", "help": "Franchise brands often have their own insurance requirements and preferred programs we can tap into.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.10.items", "title": "Vacant Land Specific Questions", "scope": "Vacant Land Specific Questions", "handoff": false, "questions": [ { "key": "vacantland_address", "label": "Property address / parcel", "question": "What is the address of the property? If there is no address, provide the county and parcel number.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_deed_holder", "label": "Deed holder", "question": "What is the name of the deed holder?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_property_type", "label": "Property type", "question": "Is the property residential or commercial?", "help": "", "type": "pillset", "options": [ "Residential", "Commercial" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_acres", "label": "Number of acres", "question": "How many acres is the property?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_policy_term", "label": "Preferred policy term", "question": "What policy term would you prefer: 3 months, 6 months, or 12 months?", "help": "", "type": "pillset", "options": [ "3 months", "6 months", "12 months" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_financial", "label": "Financial history", "question": "Have you had a foreclosure, repossession, or bankruptcy in the past 5 years? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_water", "label": "Water features", "question": "Is there a pool, pond, lake, or hot tub on any of the premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_nuisance", "label": "Nuisance hazards", "question": "Are there any nuisance hazards on any of the properties (swing sets, vehicles, debris, trampoline, fuel tanks, underground tanks, etc.)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_arson", "label": "Arson / fraud history", "question": "In the past 5 years, have you been convicted or indicted for arson, fraud, bribery, or any other arson-related crime? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_buildings", "label": "Buildings on the land", "question": "Are there any building(s) on the land? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_hunting", "label": "Hunting activities", "question": "Are there any hunting activities conducted on the land? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_sporting", "label": "Sporting activities", "question": "Are there any sporting activities conducted on the land? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_agriculture", "label": "Agriculture / livestock", "question": "Are there agriculture and/or livestock activities conducted on the land? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_growing", "label": "Growing operations", "question": "Are there any growing operations conducted on the land? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_development", "label": "Land development", "question": "Is there any development of the land, including grading, roads, or substructure installation (utilities, drainage, etc.)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantland_checked", "label": "Property checked regularly", "question": "Does someone check on the property on a regular basis? If yes, by whom and how often? (If no, the quote will likely be declined by the carrier.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.11.items", "title": "Vacant Building Specific Questions", "scope": "Vacant Building Specific Questions", "handoff": false, "questions": [ { "key": "vacantbldg_transaction", "label": "Buying or already own this building", "question": "Are you buying this building now, or do you already own it?", "help": "Carriers often ask whether a building is a new purchase or one you already own, and the answer can change which of their questions apply.", "type": "pillset", "options": [ "Buying it now (under contract / closing soon)", "I already own it" ], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_policy_term", "label": "Proposed policy term", "question": "What policy term do you want: 3 months, 6 months, 9 months, or Annual Term?", "help": "", "type": "pillset", "options": [ "3 months", "6 months", "9 months", "Annual Term" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_effective_date", "label": "Proposed effective date", "question": "What date do you want the policy to take effect?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_entity_type", "label": "Relationship to the building", "question": "What is the applicant's relationship to the building? (The legal entity type is taken from your earlier answer.)", "help": "", "type": "pillset", "options": [ "Building Owner", "Tenant", "Mortgagee", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_prior_occupancy", "label": "Prior occupancy", "question": "What was the building used for before it became vacant? Choose one: Office; Retail; Warehouse or storage; Manufacturing; Restaurant; Residential; Never occupied; Other.", "help": "", "type": "pillset", "options": [ "Office", "Retail", "Warehouse or storage", "Manufacturing", "Restaurant", "Residential", "Never occupied", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_vacancy_reason", "label": "Reason for vacancy", "question": "Why is the building vacant right now? Choose one: For sale; Between tenants; Under renovation; Awaiting demolition; Seasonal closure; Condemned or unsafe; Other.", "help": "", "type": "pillset", "options": [ "For sale", "Between tenants", "Under renovation", "Awaiting demolition", "Seasonal closure", "Condemned or unsafe", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_vacancy_duration", "label": "Vacancy duration", "question": "How long has the building been vacant?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_vacant", "label": "Completely vacant?", "question": "Is the building completely vacant? If not, what percent is occupied and by whom?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_tenants_evicted", "label": "Tenants evicted?", "question": "Have any tenants been evicted from the premises within the past 60 days?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_disposition", "label": "Intended disposition", "question": "What do you intend to do with the building?", "help": "", "type": "pillset", "options": [ "Sell", "Lease", "Occupy", "Demolish", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_year_built", "label": "Vacant building year built", "question": "What year was the building built?", "help": "", "type": "countslider", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_sqft", "label": "Vacant building square footage", "question": "About how many square feet is the building?", "help": "", "type": "countslider", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_stories", "label": "Vacant building stories", "question": "How many stories is the building?", "help": "", "type": "countslider", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_construction", "label": "Vacant building construction type", "question": "What is the building's construction type?", "help": "", "type": "pillset", "options": [ "Frame (wood)", "Masonry / brick", "Concrete block", "Steel / metal", "Fire resistive (concrete)", "Mixed: part masonry, part frame", "Other / not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_roof_scope", "label": "Vacant building roof work", "question": "Has the roof been replaced, and if so was it a full or partial job?", "help": "", "type": "pillset", "options": [ "Full replacement", "Partial repair or replacement", "Not replaced, or not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_roof_year", "label": "Year of roof work (approximate is fine)", "question": "About what year was that roof work done? An approximate year is fine.", "help": "", "type": "countslider", "options": [], "required": true, "show_if": "Vacant building roof work is one of: Full replacement; Partial repair or replacement", "coverage_lines": [] }, { "key": "vacantbldg_plumbing_scope", "label": "Vacant building plumbing work", "question": "Has the plumbing been updated, and if so was it a full or partial update?", "help": "", "type": "pillset", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_plumbing_year", "label": "Year of plumbing work (approximate is fine)", "question": "About what year was the plumbing work done? An approximate year is fine.", "help": "", "type": "countslider", "options": [], "required": true, "show_if": "Vacant building plumbing work is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "vacantbldg_electrical_scope", "label": "Vacant building electrical work", "question": "Has the wiring been updated, and if so was it a full or partial update?", "help": "", "type": "pillset", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_electrical_year", "label": "Year of electrical work (approximate is fine)", "question": "About what year was the electrical work done? An approximate year is fine.", "help": "", "type": "countslider", "options": [], "required": true, "show_if": "Vacant building electrical work is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "vacantbldg_hvac_scope", "label": "Vacant building heating / cooling work", "question": "Has the heating or cooling system been updated, and if so was it a full or partial update?", "help": "", "type": "pillset", "options": [ "Full update", "Partial update", "Not updated, or not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_hvac_year", "label": "Year of heating / cooling work (approximate is fine)", "question": "About what year was the heating or cooling work done? An approximate year is fine.", "help": "", "type": "countslider", "options": [], "required": true, "show_if": "Vacant building heating / cooling work is one of: Full update; Partial update", "coverage_lines": [] }, { "key": "vacantbldg_condemned", "label": "Condemned?", "question": "Has the building been condemned?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_damage", "label": "Existing damage?", "question": "Is there any existing damage to the building or premises? If yes, please describe it.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_condition", "label": "General condition", "question": "How would you describe the building's general condition and housekeeping: Poor, Fair, or Good?", "help": "", "type": "pillset", "options": [ "Poor", "Fair", "Good" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_utilities_operational", "label": "Utilities operational", "question": "Which utilities are currently operational: Gas, Electric, Water, or None? (select all that apply)", "help": "", "type": "multichips", "options": [ "Gas", "Electric", "Water", "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_security_measures", "label": "Security measures", "question": "What security measures are in place: Boarded, Locked, Fenced, 24 Hr Security, and/or Monitored Central Station Alarms? (select all that apply)", "help": "", "type": "multichips", "options": [ "Boarded", "Locked", "Fenced", "24 Hr Security", "Monitored Central Station Alarms", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_check_frequency", "label": "Check-in frequency", "question": "How often is the building checked on? Choose one: Daily; Several times a week; Weekly; Every two weeks; Monthly; Less often than monthly.", "help": "", "type": "pillset", "options": [ "Daily", "Several times a week", "Weekly", "Every two weeks", "Monthly", "Less often than monthly" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_neighborhood_type", "label": "Neighborhood type", "question": "What type of neighborhood is the building in: Residential, Commercial, Industrial, Rural, or Remote?", "help": "", "type": "pillset", "options": [ "Residential", "Commercial", "Industrial", "Rural", "Remote" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_adjacent_exposures", "label": "Adjacent exposures", "question": "Describe the properties or exposures adjacent to the building.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_nuisances", "label": "Attractive nuisances?", "question": "Are there any attractive nuisances on the property (e.g., pool, playground equipment)? If yes, describe.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_back_taxes", "label": "Back taxes / liens?", "question": "Are there any back taxes owed or tax liens on the property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_arson_conviction", "label": "Arson conviction?", "question": "Has the applicant ever been convicted of the felony of arson?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_renovations", "label": "Renovations planned?", "question": "Are any renovations planned for the building? If yes, please describe them.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_work_started", "label": "Renovation work started", "question": "Has any renovation work started? (Yes / No)", "help": "", "type": "pillset", "options": [ "Yes", "No" ], "required": true, "show_if": "Renovations planned? starts with Yes", "coverage_lines": [] }, { "key": "vacantbldg_percent_complete", "label": "Renovation percent complete", "question": "About how much of the renovation work is finished? (Not started / Under 10% / 10% to 50% / Over 50%)", "help": "", "type": "pillset", "options": [ "Not started", "Under 10%", "10% to 50%", "Over 50%" ], "required": true, "show_if": "Renovations planned? starts with Yes", "coverage_lines": [] }, { "key": "vacantbldg_existing_building_value", "label": "Value of existing building", "question": "What is the value of the existing building?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_renovation_cost", "label": "Cost of renovations", "question": "What is the estimated cost of the planned renovations?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_renovation_completion_date", "label": "Renovation completion date", "question": "When do you expect the renovations to be completed?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_renovation_performer", "label": "Who performs renovations", "question": "Who is performing the renovations: Insured, Insured's sub-contractors, or General Contractor?", "help": "", "type": "pillset", "options": [ "Insured", "Insured's sub-contractors", "General Contractor" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_gc_hold_harmless_contract", "label": "Sub-Contractor Hold-Harmless Contracts", "question": "If acting as GC on renovations, do you get written sub-contracts with hold-harmless/indemnification in your favor?", "help": "Protects you if a sub causes a loss.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_gc_additional_insured", "label": "Sub-Contractors' Additional Insured Status", "question": "Are you named as additional insured on all sub-contractors' GL policies?", "help": "Extends the sub's coverage to you.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_parking_lot", "label": "Parking lot", "question": "Does the property include a parking lot? (Yes / No / Not sure)", "help": "", "type": "pillset", "options": [ "Yes", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "vacantbldg_parking_lot_sqft", "label": "Parking lot size", "question": "About how many square feet is the parking lot? (optional)", "help": "", "type": "line", "options": [], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] }, { "key": "vacantbldg_parking_lot_spaces", "label": "Parking spaces", "question": "About how many parking spaces are in the lot? (optional)", "help": "", "type": "line", "options": [], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] }, { "key": "vacantbldg_parking_lot_shared", "label": "Shared parking lot", "question": "Is the parking lot shared with other tenants or properties? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] }, { "key": "vacantbldg_parking_lot_special_events", "label": "Special events", "question": "Will the parking lot be used for any special events? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] } ] }, { "id": "subtypes.12.items", "title": "Mining Specific Questions", "scope": "Mining Specific Questions", "handoff": false, "questions": [ { "key": "mining_operation_types", "label": "Operation Type(s)", "question": "Which of these describe the applicant's mining operation(s)? (Select all that apply.)", "help": "Carriers rate the risk very differently depending on whether the applicant operates the mine directly, contracts it out, or just leases the land.", "type": "multichips", "options": [ "Operates mine", "Operated by contract miner", "Contract miner under", "Staffing firm", "Landowner", "Prep plant", "Tipple", "Inactive mine", "Other operation" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_is_subsidiary", "label": "Subsidiary of Another Entity", "question": "Is the applicant a subsidiary of, or owned/controlled by, another entity?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_gross_annual_sales", "label": "Gross Projected Annual Sales", "question": "What is the gross projected annual sales for all requested named insureds?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_projected_payroll", "label": "Projected Mining Payroll", "question": "What is the projected mining payroll for all requested named insureds?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_owns_other_entities", "label": "Owns Other Unlisted Entities", "question": "Does the applicant own or control any entities not presented in this application?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_leases_equipment_to_others", "label": "Leases/Loans Equipment", "question": "Does the applicant lease or loan any equipment to others?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_mine_name", "label": "Mine Name", "question": "What is the name of the mine?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_mine_location", "label": "Mine Location", "question": "What is the location/directions to the mine (include county & state)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_msha_id", "label": "MSHA ID Number(s)", "question": "What is/are the MSHA ID number(s) for this mine?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_state_permit_number", "label": "State Mine Permit Number(s)", "question": "What is/are the state mine permit number(s)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_mine_is_surface", "label": "Surface vs. Underground Mine", "question": "Is this a surface mine? (Answer No if it is an underground mine.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_what_is_mined", "label": "What Is Mined", "question": "What material is being mined (e.g. coal, limestone, sand & gravel, aggregate, etc.)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_raw_tons_annual", "label": "Annual Raw Tons", "question": "What is the annual production from this mine in raw tons?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_clean_tons_annual", "label": "Annual Clean Tons", "question": "What is the annual production from this mine in clean tons?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_total_acreage", "label": "Total Acreage", "question": "What is the total acreage associated with this mine?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_has_oil_gas_pipelines", "label": "Oil/Gas Pipelines on Property", "question": "Does the property have any oil or gas pipelines?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_uses_leased_contract_labor", "label": "Uses Leased/Contract Labor", "question": "Is any work associated with this mine performed by leased workers or contract labor?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_blasting_present", "label": "Blasting Present", "question": "Is there any blasting (excluding cut & shoot underground) associated with this mine?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_processing_facility_present", "label": "Processing Facility Present", "question": "Is there a processing facility (crush, clean, size, blend, etc.) associated with this mine?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_waste_treatment_ponds", "label": "Waste Treatment Ponds", "question": "Are there any waste treatment ponds associated with this mine?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_impoundments_with_dam", "label": "Impoundments With a Dam", "question": "Are there any impoundments with a dam associated with this mine?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_tailings_piles_present", "label": "Waste/Gob/Tailings Piles", "question": "Are there any waste, gob, or tailings piles associated with this mine?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_mine_closed_by_regulator", "label": "Ever Closed by a Regulatory Body", "question": "Has this mine ever been closed by any regulatory body?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_contractors_hired", "label": "Contractors Hired by Applicant", "question": "Does the applicant hire any contractors (hauling, drilling, blasting, security, auger, highwall mining, reclamation, etc.)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_pollution_coverage_declined", "label": "Pollution Coverage Ever Canceled/Declined", "question": "Has pollution or similar coverage ever been canceled or refused to the applicant?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_pollution_violation_cited", "label": "Cited for Environmental Violation", "question": "During the last five years, has the applicant been cited or prosecuted for any violation of a standard or law relating to the release of a substance into the environment?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_pollution_sued", "label": "Sued Over a Pollution Incident", "question": "Has the applicant ever been sued, or asked to pay damages or investigate/remediate, in connection with any actual or alleged pollution incident?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_pollution_emissions_exceeded", "label": "Emissions Exceeded Permissible Levels", "question": "Have there been any emissions, discharges, releases, or escapes of pollutants above permissible levels at any site covered by this application?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_env_compliance", "label": "Currently Environmentally Compliant", "question": "Is the applicant currently in compliance with federal, state, and local environmental laws and permits?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_lessees", "label": "Lessees Operating on Property", "question": "List any lessees who are conducting mining operations on the applicant's property, if any.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_subsidiary_detail", "label": "Subsidiary Relationship Detail", "question": "If the applicant is a subsidiary, name the other entity and describe the relationship.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_year_established", "label": "Year Business Established", "question": "If the business is already operating: what year was this mining business established?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_is_new_entity", "label": "New Entity for This Application", "question": "Is the applicant a newly-formed entity for the mine being applied for?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_new_entity_mine_dev_date", "label": "Expected Mine Development Start Date", "question": "If a new entity, what is the expected start date for mine development?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_new_entity_production_date", "label": "Expected Production Start Date", "question": "If a new entity, what is the expected start date for production?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_prior_companies", "label": "Prior Mining Companies Owned/Operated", "question": "If other mining companies were owned or operated in the past, provide their names.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_payroll_other", "label": "Other Payroll Description", "question": "Is any payroll left over that does not fit the categories above? Briefly describe what it covers, or write None.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_owns_other_entities_detail", "label": "Other Owned Entities Detail", "question": "If the applicant owns/controls other entities not presented in this application, name them, describe their operations, and note their current insurance coverage.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_lease_equipment_detail", "label": "Leased/Loaned Equipment Detail", "question": "If the applicant leases or loans equipment to others, describe the equipment and to whom.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_is_subcontractor", "label": "Applicant Works as a Subcontractor", "question": "Does the applicant ever work as a subcontractor for another mining company?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_subcontractor_detail", "label": "Subcontracted Work Detail", "question": "If yes, describe the subcontracted work and approximate receipts from it.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_owns_dwellings", "label": "Owns Employee Dwellings", "question": "Does the applicant own or provide dwellings/housing for employees?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_owns_recreational", "label": "Owns Recreational Facilities", "question": "Does the applicant own or provide recreational facilities for employees?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_provides_transport", "label": "Provides Employee Transportation", "question": "Does the applicant provide transportation for employees to/from the mine?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_life_expectancy", "label": "Life Expectancy of Mine", "question": "What is the estimated remaining life expectancy of the mine (in years)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_surface_methods", "label": "Surface Mining Method(s)", "question": "Which surface mining method(s) are used? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Mountain top", "Open pit", "Contour", "Auger", "Highwall", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_surface_method_other", "label": "Other Surface Method", "question": "If 'other' surface method, please describe.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_underground_methods", "label": "Underground Mining Method(s)", "question": "Which underground mining method(s) are used? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Drift", "Slope", "Shaft", "Longwall", "Shortwall", "Advancing", "Retreating", "Continuous", "Conventional", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_ug_method_other", "label": "Other Underground Method", "question": "If 'other' underground method, please describe.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_pipeline_owner", "label": "Pipeline Owner", "question": "If there are oil/gas pipelines on the property, who owns them?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_pipeline_condition", "label": "Pipeline/Surrounding Area Condition", "question": "What is the condition of the surrounding area (any landslide or subsidence issues)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_leased_labor_cost", "label": "Leased/Contract Labor Annual Cost", "question": "If leased workers or contract labor are used, what is the annual cost paid for them?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_leased_labor_desc", "label": "Leased/Contract Labor Work Description", "question": "Fully describe the work performed by leased workers or contract labor.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_blast_subcontracted", "label": "Blasting Subcontracted", "question": "Is blasting work subcontracted to another company?", "help": "Blasting exposure is priced very differently depending on who actually performs it.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_blast_by_insured", "label": "Blasting Performed by Applicant", "question": "Is blasting performed directly by the applicant's own employees?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_preblast_surveys", "label": "Pre-Blast Surveys Conducted", "question": "Are pre-blast surveys of nearby structures conducted before blasting?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_preblast_thirdparty", "label": "Pre-Blast Surveys by Third Party", "question": "If pre-blast surveys are conducted, are they performed by a third-party contractor?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_preblast_contractors", "label": "Pre-Blast Survey Contractors", "question": "If yes, provide the names of those contractors.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_seismographic_recordings", "label": "Seismographic Recordings Made", "question": "Are seismographic recordings made during blasting?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_seismo_thirdparty", "label": "Seismographic Recordings by Third Party", "question": "If seismographic recordings are made, are they made by a third-party contractor?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_seismo_contractors", "label": "Seismographic Recording Contractors", "question": "If yes, provide the names of those contractors.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_blast_distance", "label": "Distance to Nearest Third-Party Structure", "question": "What is the distance from the blast site to the closest third-party structure?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_facility_msha_id", "label": "Processing Facility MSHA ID", "question": "If there is a processing facility, what is its MSHA ID number?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_facility_output_owned", "label": "Facility Output From Owned/Controlled Mines", "question": "What share of the facility's output is from raw materials mined at owned or controlled mines?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_facility_output_other", "label": "Facility Output From Other Mines", "question": "What share of the facility's output is from raw materials mined at other (non-owned) mines?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_security_gate", "label": "Mine Has a Security Gate", "question": "Does the mine have a security gate controlling access?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_security_gate_type", "label": "Security Gate Type", "question": "What type of gate is it (fence gate, cable gate, or other)?", "help": "", "type": "pillset", "options": [ "Fence gate", "Cable gate", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_security_gate_type_other", "label": "Other Gate Type", "question": "If 'other' gate type, please describe.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_security_gate_locked", "label": "Security Gate Locked Schedule", "question": "Is the gate locked 24/7, only when the mine is off/closed, or never locked?", "help": "", "type": "pillset", "options": [ "Locked 24/7", "Locked only when mine is off/closed", "Never locked" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_security_other", "label": "Other Security Measures", "question": "Describe any other security measures at the mine.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_mining_engineer", "label": "Mining Engineer on Staff/Retainer", "question": "Does the applicant employ or retain a mining engineer?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_mine_closed_detail", "label": "Mine Closure Details", "question": "If this mine has ever been closed by a regulatory body, provide details.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_contractors_by_others", "label": "Contractors Hired by Others on Applicant's Operation", "question": "Do other companies ever hire contractors to perform services associated with the applicant's mining operation (for example, coal haulers hired by a permit holder)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_contractors_by_others_list", "label": "Contractors-by-Others Detail", "question": "If yes, describe the services and who hires them.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_te_pollution_declined", "label": "Time-Element Pollution Coverage Declined", "question": "Has time-element pollution coverage ever been declined for the applicant? (Answer yes to skip the remaining pollution questions.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_env_mgmt_dept", "label": "Environmental Management Department", "question": "Does the applicant have a dedicated environmental management department or staff?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_aware_of_claim", "label": "Aware of Potential Pollution Claim", "question": "Is the applicant aware of any circumstance that could give rise to a pollution claim?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_pollution_losses", "label": "Pollution Loss Description", "question": "Briefly describe any pollution-related losses.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_mine_name", "label": "Mine Info B: Mine Name", "question": "For the additional mine (Mine Info B section), what is its name?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_closed_abandoned", "label": "Mine Info B: Closed/Abandoned", "question": "Is this additional mine closed or abandoned?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_closed_abandoned_detail", "label": "Mine Info B: How Long Closed", "question": "If closed/abandoned, how long has it been closed?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_prior_operations", "label": "Mine Info B: Prior Operations", "question": "Were there prior mining operations at this site before the applicant?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_prior_operations_detail", "label": "Mine Info B: Prior Operations Detail", "question": "If yes, provide details on the dates and operations formerly performed at this site.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_landfill_waste", "label": "Mine Info B: Landfill/Waste Disposal", "question": "Is this site used for landfill or offsite waste disposal?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_landfill_waste_detail", "label": "Mine Info B: Waste Detail", "question": "If yes, describe the type of waste, quantities, and source of the materials.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mining_b_site_controlled", "label": "Mine Info B: Site Owned/Controlled by Another", "question": "Is this site owned or controlled by another person or company?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.13.items", "title": "Inflatable Rental Specific Questions", "scope": "Inflatable Rental Specific Questions", "handoff": false, "questions": [ { "key": "inflatable_business_type", "label": "Business Structure", "question": "What is the business's legal structure?", "help": "", "type": "pillset", "options": [ "Corporation", "Individual / sole prop", "Partnership", "LLC / other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_years_in_business", "label": "Years in Business", "question": "If the business is already operating: how many years has the business been operating?", "help": "", "type": "years", "options": [ "New venture", "In business for…" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_years_experience", "label": "Years of Experience", "question": "How many years of experience does the business have specifically with inflatables?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_iip_member", "label": "IIP&GA Member", "question": "Is the business a member of the International Inflatable Products and Games Association (IIP&GA)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_equipment_units", "label": "Equipment List", "question": "For each inflatable you rent, list: Manufacturer, Type, Age (years), Size/Dimensions, Capacity (max people), and Height of side walls. One unit per line. List all of them; if you have more than 5, a continuation page is added automatically.", "help": "Carriers underwrite per unit. The manufacturer, age, size, capacity, and wall height of each inflatable all affect the rate.", "type": "rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_inventory_value", "label": "Rental inventory value", "question": "Approximate total replacement value of your inflatables and other rental inventory?", "help": "This helps size coverage for your rental equipment if you choose to insure it. What a policy covers depends on its wording.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_other_items_rented", "label": "Other Items Rented", "question": "Do you rent any other items (e.g. tents, chairs, snow cone machines)? If so, list them.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_other_operations", "label": "Other Operations", "question": "Do you run any other operations (e.g. concessions, games)? If so, describe them.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_coverage_declined", "label": "Prior Coverage Declined", "question": "Has any policy or coverage ever been declined, cancelled, or non-renewed? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_coverage_purchased_before", "label": "Coverage Purchased Before", "question": "Has the proposed coverage been purchased before? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_current_gl_carrier", "label": "Current GL Carrier", "question": "Who is the current general liability carrier?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_current_gl_limit", "label": "Current GL Limit", "question": "If currently insured: what is the current limit of liability on the general liability policy?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_require_rental_agreement", "label": "Rental Agreement Required", "question": "Do you require the renter to sign a rental agreement? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_hold_harmless_clause", "label": "Hold Harmless Clause", "question": "Does the rental agreement include a hold harmless clause? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_setup_equipment", "label": "Business Sets Up Equipment", "question": "Does the business set up the equipment itself? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_equipment_tethered", "label": "Equipment Tethered/Secured", "question": "Is the equipment tethered or secured during use? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_supervision_provided", "label": "Supervision Provided", "question": "Is supervision provided during rental use? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_rules_capacity_posted", "label": "Rules/Capacity Posted", "question": "Are the rules and capacity limitations clearly posted on the equipment? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_age_height_posted", "label": "Age/Height Requirements Posted", "question": "Are age and height requirements clearly posted? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_equipment_inspected", "label": "Equipment Inspected After Use", "question": "Is the equipment inspected after each use? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_inspection_records_maintained", "label": "Inspection Records Maintained", "question": "If inspected after each use, are inspection records maintained? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_time_period_records_kept", "label": "Records Note Date/Time of Inspection", "question": "If you keep post-use inspection records, do they note the date and time of each inspection (not just a yes/no)?", "help": "A dated log proves diligence if a claim is ever disputed.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_prior_coverage_history", "label": "Prior Coverage History", "question": "If you've purchased this coverage before, list each prior policy: Year, Renewal Date, Carrier, Limit/Deductible, Premium. One per line, up to 3.", "help": "Your placement history helps carriers price the account.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "inflatable_losses_detail", "label": "Losses/Incidents (3 yr)", "question": "Any inflatable-specific losses in the last 3 years? List: Date, Description, Amount. One per line, up to 3. Skip if none.", "help": "Carriers rate on inflatable-specific loss history.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.14.items", "title": "Crane & Rigging Specific Questions", "scope": "Crane & Rigging Specific Questions", "handoff": false, "questions": [ { "key": "crane_entity_type", "label": "Business Entity Type", "question": "What type of entity is the applicant?", "help": "", "type": "pillset", "options": [ "Individual", "Partnership", "Corporation", "Joint Venture", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_years_in_business", "label": "Years in Business", "question": "If the business is already operating: how many years has the business been in operation?", "help": "", "type": "years", "options": [ "New venture", "In business for…" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_geographic_area", "label": "Geographic Area of Operation", "question": "What is the geographic area of operation (e.g. cities/counties/states served)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_equipment_description", "label": "Equipment Description", "question": "Provide a detailed description of all equipment used in operations (e.g. forklift, crane, etc.).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_last5jobs_description", "label": "Last 5 Jobs (Description & Cost)", "question": "Provide a detailed description, including cost, of the last 5 jobs performed. If you are a new venture without completed jobs yet, list any jobs you have lined up or are bidding on instead.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_specializes_yn", "label": "Specializes in a Particular Field/Industry", "question": "Do you specialize in any particular field of operation or for any one specific industry?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_specialize_details", "label": "Specialization Details", "question": "If yes, provide complete details of the field/industry specialization.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_welding_yn", "label": "Welding/Electrical Hookup Involved", "question": "Is welding or electrical hook up involved with the operations?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rents_equipment_yn", "label": "Rents Equipment to Others", "question": "Do you rent any equipment to others?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rent_equipment_details", "label": "Rented Equipment Description & Sales", "question": "If yes, describe the equipment rented to others, including gross sales.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_safety_program_yn", "label": "Formal Written Safety Program", "question": "Is there a formal written loss control or safety program?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_safety_officer_yn", "label": "Employee Responsible for Safety Program", "question": "Is one employee responsible for your safety program?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_safety_officer_name", "label": "Safety Officer Name", "question": "If yes, what is the name of the individual responsible for the safety program?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_safety_meetings_yn", "label": "Regular Safety Meetings", "question": "Do you hold regular safety meetings with all employees on a regular basis?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_operator_screening_yn", "label": "Operator Screening/Reference Checks", "question": "Do you have screening and/or reference procedures for all new operators?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_drug_testing_yn", "label": "Random Drug/Alcohol Testing", "question": "Are random drug or alcohol testing procedures outlined in a written manual provided to all employees?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_maintenance_program_yn", "label": "Written Scheduled Maintenance Program", "question": "Do you keep a written scheduled maintenance program of all equipment?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_accident_report_yn", "label": "Formal Accident/Injury Report Process", "question": "Do you have a formal report to be filed on all accidents or injuries?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_coi_on_rentals_yn", "label": "Certificates of Insurance on Crane Rentals", "question": "Do you obtain certificates of insurance on all crane rentals?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_mvr_yn", "label": "MVRs Obtained on All Drivers", "question": "Do you obtain MVR's (motor vehicle records) on all drivers?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_cranes_inspected_yn", "label": "All Cranes Inspected/Certified", "question": "Are all cranes inspected or certified?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_auto_liability_yn", "label": "Commercial Auto Liability on Road Units", "question": "Do you maintain Commercial Automobile Liability coverage on all units driven over the road?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_special_services_yn", "label": "Performs Dual Lifts/Personnel Lifts/High-Rise Work", "question": "Do you perform any of the following services: dual lifts, personnel lift or placement, or work in excess of three stories?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_dual_lifts_yn", "label": "Dual Lifts", "question": "Do you perform dual lifts?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_personnel_lift_yn", "label": "Personnel Lift or Placement", "question": "Do you perform personnel lift or placement?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_high_rise_work_yn", "label": "Work in Excess of Three Stories", "question": "Do you perform work in excess of three stories?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_max_work_height", "label": "Maximum Work Height", "question": "What is the maximum height of work performed?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_crane_operator_payroll", "label": "Crane w/ Operator: Payroll", "question": "Estimated annual payroll for crane rental WITH your operator:", "help": "The carrier prices each type of crane work separately. A best estimate for the next 12 months is fine.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_crane_operator_gross", "label": "Crane w/ Operator: Gross Sales", "question": "Estimated annual gross sales for crane rental WITH your operator:", "help": "Gross sales means total receipts for this category before expenses. Estimates are fine. Carriers audit at year end.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_bare_rental_payroll", "label": "Bare Rental: Payroll", "question": "Estimated annual payroll for bare crane rental (no operator):", "help": "Bare rental = you rent the crane out and the customer supplies the operator.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_bare_rental_gross", "label": "Bare Rental: Gross Sales", "question": "Estimated annual gross sales for bare crane rental (no operator):", "help": "Bare rental = you rent the crane out and the customer supplies the operator.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_heavy_haul_payroll", "label": "Heavy Haul: Payroll", "question": "Estimated annual payroll for heavy haul / heavy hauling work:", "help": "Heavy haul covers oversized-load transport work. Enter 0 if you don’t do this.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_heavy_haul_gross", "label": "Heavy Haul: Gross Sales", "question": "Estimated annual gross sales for heavy haul work:", "help": "Enter 0 if you don’t do this.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_millwright_payroll", "label": "Millwright: Payroll", "question": "Estimated annual payroll for millwright work:", "help": "Millwright work = moving, installing, or dismantling industrial machinery. Enter 0 if not applicable.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_millwright_gross", "label": "Millwright: Gross Sales", "question": "Estimated annual gross sales for millwright work:", "help": "Enter 0 if you don’t do this.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_install_repair_payroll", "label": "Installation/Repair: Payroll", "question": "Estimated annual payroll for installation or repair work:", "help": "Covers installation, service, or repair jobs done apart from crane lifts. Enter 0 if not applicable.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_install_repair_gross", "label": "Installation/Repair: Gross Sales", "question": "Estimated annual gross sales for installation or repair work:", "help": "Enter 0 if you don’t do this.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_rigging_payroll", "label": "Rigging: Payroll", "question": "Estimated annual payroll for rigging work:", "help": "Rigging = attaching, securing, and moving loads. Enter 0 if not applicable.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_rigging_gross", "label": "Rigging: Gross Sales", "question": "Estimated annual gross sales for rigging work:", "help": "Enter 0 if you don’t do this.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_misc_payroll", "label": "Miscellaneous: Payroll", "question": "Estimated annual payroll for any other/miscellaneous operations:", "help": "Anything that doesn’t fit the categories above. Enter 0 if not applicable.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_sales_misc_gross", "label": "Miscellaneous: Gross Sales", "question": "Estimated annual gross sales for any other/miscellaneous operations:", "help": "Enter 0 if you don’t do this.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_operator_age_min", "label": "Youngest Operator Age", "question": "What is the age of your youngest crane operator?", "help": "Carriers check operator experience; very young operators can affect eligibility and price.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_operator_age_max", "label": "Oldest Operator Age", "question": "What is the age of your oldest crane operator?", "help": "Just the age of your most senior operator. It rounds out the operator profile the carrier asks for.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_emp_operators_union", "label": "Union Operators (count)", "question": "How many UNION crane/equipment operators do you employ?", "help": "The carrier asks for staffing split by union and non-union. Enter 0 where it doesn’t apply.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_emp_operators_nonunion", "label": "Non-Union Operators (count)", "question": "How many NON-UNION crane/equipment operators do you employ?", "help": "Enter 0 if none.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_emp_technicians_union", "label": "Union Technicians (count)", "question": "How many UNION technicians or maintenance personnel do you employ?", "help": "Enter 0 if none.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_emp_technicians_nonunion", "label": "Non-Union Technicians (count)", "question": "How many NON-UNION technicians or maintenance personnel do you employ?", "help": "Enter 0 if none.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_emp_leased_union", "label": "Union Leased Workers (count)", "question": "How many UNION leased or temporary workers do you use?", "help": "Leased/temporary workers come from a staffing or labor-leasing firm. Enter 0 if none.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_emp_leased_nonunion", "label": "Non-Union Leased Workers (count)", "question": "How many NON-UNION leased or temporary workers do you use?", "help": "Enter 0 if none.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_cranes_inspected_no_details", "label": "Cranes Not Inspected: Details", "question": "You answered that not all cranes are inspected/certified. Please explain (which units, and why).", "help": "Uninspected cranes are a key underwriting concern; a clear explanation keeps your application moving.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_auto_liability_no_details", "label": "No Commercial Auto: Details", "question": "You answered No to Commercial Auto Liability on road units. Please explain how road units are insured.", "help": "If units travel over the road without commercial auto coverage, the carrier needs to know how that exposure is handled.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_auto_liability_yes_details", "label": "Commercial Auto: Carrier, Limits & Term", "question": "Please provide your Commercial Auto carrier, limits, and policy term (e.g. Progressive, $1M CSL, 3/1/26-3/1/27).", "help": "This shows the carrier your over-the-road exposure is already covered, which helps the liability quote.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_jobs_annual", "label": "Rigging Jobs per Year", "question": "Estimated number of rigging jobs performed annually for others:", "help": "A rough count is fine.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_job_duration", "label": "Typical Rigging Job Duration", "question": "Estimated duration of each rigging job (e.g. 2 days, 1 week):", "help": "A typical or average duration is fine.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_inprogress_max", "label": "Jobs In Progress: Max", "question": "Maximum number of rigging jobs in progress at any one time:", "help": "The carrier looks at how many simultaneous jobs you run at peak.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_inprogress_min", "label": "Jobs In Progress: Min", "question": "Minimum number of rigging jobs in progress at any one time:", "help": "Use 0 if you sometimes have none running.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_inprogress_avg", "label": "Jobs In Progress: Average", "question": "Average number of rigging jobs in progress at any one time:", "help": "Your typical workload. A best estimate is fine.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_cost_max", "label": "Rigging Job Cost: Max", "question": "Maximum cost (value) of a single rigging job:", "help": "The contract value of your largest typical job.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_cost_min", "label": "Rigging Job Cost: Min", "question": "Minimum cost (value) of a single rigging job:", "help": "The contract value of your smallest typical job.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_rig_cost_avg", "label": "Rigging Job Cost: Average", "question": "Average cost (value) of a rigging job:", "help": "Your typical job value. A best estimate is fine.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_att_equipment_list", "label": "Equipment List", "question": "List your equipment below (make, model, year, serial, and value), or attach a complete list instead.", "help": "The carrier requires an equipment list before quoting. Enter each unit below, or attach a list you already have, whichever is easier.", "type": "rows", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_att_financials", "label": "Financial Statement (attachment)", "question": "Attach your most recent financial statement.", "help": "Required by the carrier before a quote can be released. If you are a new venture without a financial statement yet, say so and Lee can let the carrier know. You can also send it later by email.", "type": "upload", "options": [ "I'll send it later", "New venture — no financial statement yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_att_rental_agreement", "label": "Rental Agreement (attachment)", "question": "Attach a copy of your standard crane rental agreement/contract.", "help": "The carrier reviews your hold-harmless and insurance wording. If you do not rent equipment to others, choose Not applicable. Otherwise you can send it later if it is not handy.", "type": "upload", "options": [ "I'll send it later", "Not applicable — I don't rent equipment to others" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_att_accident_report", "label": "Accident Report Form (attachment)", "question": "Attach a copy of your accident/incident report form.", "help": "Part of the carrier’s required safety documentation. Send later if needed.", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_att_daily_inspection", "label": "Daily Inspection Report (attachment)", "question": "Attach a copy of your daily crane inspection report/checklist.", "help": "Part of the carrier’s required safety documentation. Send later if needed.", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "crane_att_loss_control_plan", "label": "Safety / Loss Control Plan (attachment)", "question": "Attach your written safety or loss-control program.", "help": "Required before a quote. If you don’t have a written program, tell us and Lee can point you to templates.", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.15.items", "title": "Tree Trimming Specific Questions", "scope": "Tree Trimming Specific Questions", "handoff": false, "questions": [ { "key": "tree_license_number", "label": "License Number", "question": "What is the applicant's contractor/business license number, if applicable?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_payroll_owner", "label": "Owner Payroll", "question": "What is the annual payroll for the owner(s)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_payroll_employees", "label": "Employee Payroll", "question": "What is the annual payroll for employees (excluding owners)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_subcontractor_costs", "label": "Subcontractor Costs", "question": "What is the annual cost paid to subcontractors?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_years_in_business", "label": "Years in Business", "question": "If the business is already operating: how long has the applicant been in business?", "help": "", "type": "years", "options": [ "New venture", "In business for…" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_years_experience", "label": "Years of Experience", "question": "How many years of experience does the applicant have in tree trimming/arborist work?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_workers_comp", "label": "Workers' Compensation Coverage", "question": "Does the applicant carry Workers' Compensation coverage? (Yes/No; include carrier name if known.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_licensed", "label": "Properly Licensed", "question": "Is the applicant properly licensed where required by law?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_trimming", "label": "Tree Trimming or Cutting", "question": "Does the applicant perform tree trimming or cutting?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_removal", "label": "Tree Removal", "question": "Does the applicant perform tree removal?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_chipping", "label": "Tree Chipping", "question": "Does the applicant perform tree chipping?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_stump_removal", "label": "Stump Removal", "question": "Does the applicant perform stump removal?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_planting", "label": "Tree/Shrub Planting", "question": "Does the applicant perform tree or shrub planting?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_landscaping", "label": "Landscaping", "question": "Does the applicant perform landscaping?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_lawn_service", "label": "Lawn Service", "question": "Does the applicant perform lawn service (mowing, fertilizing, etc.)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_snow_plowing", "label": "Snow Plowing", "question": "Does the applicant perform snow plowing?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_op_controlled_burns", "label": "Controlled Burns", "question": "Does the applicant perform controlled burns?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_subcontracts_work", "label": "Subcontracts Work", "question": "Does the applicant subcontract work to others?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_sub_written_contract", "label": "Written Contract with Subcontractors", "question": "Does the applicant use a written contract with subcontractors?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_sub_contract_requires_coverage", "label": "Subcontract Requires Coverage", "question": "If so, does that contract require subcontractors to carry general liability (limits of at least $1M/$2M), workers' comp, and auto coverage; name the applicant as an additional insured; and include indemnity/hold-harmless wording in the applicant's favor?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_sub_coi_before_job", "label": "COI Before Job Site Access", "question": "Does the applicant obtain certificates of insurance from all subcontractors before allowing them on the job site?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_customer_written_contract", "label": "Written Contract with Customers", "question": "Does the applicant use a written contract with all customers?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_customer_contract_exception", "label": "Written Contract Exception", "question": "If not, please explain when a written contract isn't required.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_fumigation", "label": "Fumigation/Crop Dusting/Aerial Spraying", "question": "Does the applicant do any fumigation, crop dusting, or aerial spraying?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_cranes_lifts", "label": "Cranes/Cherry Pickers/Lifts", "question": "Does the applicant use cranes, cherry pickers, or lifts?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_crane_max_height", "label": "Max Height (Cranes/Lifts)", "question": "If yes, what is the maximum height reached using cranes/cherry pickers/lifts?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_equipment_service_schedule", "label": "Regular Equipment Service Schedule", "question": "Does the applicant have a regular service schedule for all equipment?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_herbicides_pesticides", "label": "Applies Herbicides/Pesticides", "question": "Does the applicant apply any herbicides or pesticides?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_pesticide_license", "label": "Licensed Herbicide/Pesticide Applicator", "question": "Is the applicant a licensed herbicide/pesticide applicator?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_chemicals_used", "label": "Chemicals Used", "question": "List all chemicals used, if any.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_interstate_work", "label": "Works on Interstates", "question": "Does the applicant work on interstates?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_prejob_survey_wires", "label": "Pre-Job Survey for Wires", "question": "Does the applicant perform pre-job surveys to locate wires (e.g., power lines)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_pct_work_near_utilities", "label": "Percentage of Work Near Utilities", "question": "What percentage of the applicant's work is performed near utilities (e.g., power lines)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_railroad_work", "label": "Railroad Right-of-Way Work", "question": "Does the applicant do any work on railroad right of way?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_utility_work", "label": "Works for Utilities", "question": "Does the applicant work for any utilities?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_utility_clients_list", "label": "Utility Clients List", "question": "If yes, please list which utilities the applicant works for.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_additional_details", "label": "Additional Details", "question": "Provide any additional details relevant to the 'yes' answers above (e.g., crane height, chemicals used, work near utilities/railroads).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_subcontractor_trades", "label": "Subcontractor Trades Used", "question": "List each subcontractor trade with annual cost and % of operations, one per line (e.g. 'Stump grinding - $8,000 - 15%').", "help": "The carrier wants a cost/% breakdown by trade.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "tree_equipment_list", "label": "Equipment Owned or Leased", "question": "List major equipment (chippers, bucket trucks, cranes) and whether each is owned or leased, one per line.", "help": "Equipment type/ownership = exposure/maintenance the carrier prices.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.16.items", "title": "Truck Repair Specific Questions", "scope": "Truck Repair Specific Questions", "handoff": false, "questions": [ { "key": "truckrepair_locations", "label": "Additional Shop Location", "question": "Do you operate out of more than one location? If so, what is the address of your primary additional shop location?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_mechanic_experience", "label": "Mechanic Experience", "question": "How many years of experience do your mechanics have, on average?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_supervisor_experience", "label": "Supervisor Experience", "question": "How many years of experience do your shop supervisors have?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_manager_experience", "label": "Manager Experience", "question": "How many years of experience do your shop managers have?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_subcontractor_coi", "label": "Subcontractor COI Required", "question": "If you use subcontractors, do you require them to provide Certificates of Insurance?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_private_passenger", "label": "Private Passenger Vehicles %", "question": "What percentage of the vehicles you service are private passenger vehicles? (The vehicle-type percentages should total 100%.)", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_light_trucks", "label": "Light Trucks %", "question": "What percentage are light trucks (up to 10,000 lbs)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_medium_trucks", "label": "Medium Trucks %", "question": "What percentage are medium trucks (10,001-20,000 lbs)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_heavy_trucks", "label": "Heavy Truck Work %", "question": "What percentage of the vehicles you service are heavy trucks (20,001-45,000 lbs)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_truck_tractors", "label": "Truck-Tractor Work %", "question": "What percentage of the vehicles you service are truck-tractors (up to 45,000 lbs)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_semi_trailer", "label": "Semi-Trailers %", "question": "What percentage are semi-trailers?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_trailer", "label": "Trailers %", "question": "What percentage are other (non-semi) trailers?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_service_utility_trailer", "label": "Service/Utility Trailers %", "question": "What percentage are service or utility trailers?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_equipment", "label": "Equipment %", "question": "What percentage is heavy equipment (not a truck or trailer)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_equipment_description", "label": "Equipment Description", "question": "Please describe the equipment you service (make/model/type).", "help": "The carrier wants a general idea of what kinds of equipment come through your shop.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_other_vehicle", "label": "Other Vehicle Type %", "question": "What percentage of vehicles you service don't fit the categories above?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_other_vehicle_type", "label": "Other Vehicle Type Detail", "question": "If you have an 'other' vehicle-type percentage, please describe what it is.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_alignment", "label": "Alignment/Steering/Front-End Suspension %", "question": "What percentage of your business is alignment, steering, or front-end suspension work?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_alignment_sub", "label": "Alignment/Steering: Sub-Contracted %", "question": "Of that alignment/steering/suspension work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_brakes", "label": "Brake Work %", "question": "What percentage of your business is brake work (drums, rotors, hydraulic)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_brakes_sub", "label": "Brake Work: Sub-Contracted %", "question": "Of that brake work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_engine_minor", "label": "Minor Engine Work %", "question": "What percentage of your business is minor engine repair/tune-ups?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_engine_minor_sub", "label": "Minor Engine Work: Sub-Contracted %", "question": "Of that minor engine work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_engine_extensive", "label": "Extensive Engine Work %", "question": "What percentage of your business is extensive engine repair (overhauls, out-of-frame work)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_engine_extensive_sub", "label": "Extensive Engine Work: Sub-Contracted %", "question": "Of that extensive engine work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_fabricating", "label": "Fabricating Work %", "question": "What percentage of your business is metal fabricating work?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_fabricating_sub", "label": "Fabricating Work: Sub-Contracted %", "question": "Of that fabricating work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_conversion_kits", "label": "Chassis Conversion/Lift Kit Work %", "question": "What percentage of your business involves installing kits to convert truck chassis (hydraulic dumps, lift mechanisms, cranes, loaders, concrete mixers)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_conversion_kits_sub", "label": "Chassis Conversion/Lift Kit: Sub-Contracted %", "question": "Of that conversion/lift-kit work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_hitch", "label": "Hitch Work %", "question": "What percentage of your business is trailer hitch installation/repair?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_hitch_sub", "label": "Hitch Work: Sub-Contracted %", "question": "Of that hitch work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_hydraulic", "label": "Hydraulic Work %", "question": "What percentage of your business is hydraulic work (other than conversion kits)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_hydraulic_sub", "label": "Hydraulic Work: Sub-Contracted %", "question": "Of that hydraulic work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_refrigeration", "label": "Refrigeration Work %", "question": "What percentage of your business is refrigeration (reefer) unit work?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_refrigeration_sub", "label": "Refrigeration Work: Sub-Contracted %", "question": "Of that refrigeration work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tanker", "label": "Tanker Work %", "question": "What percentage of your business is tanker work?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tanker_sub", "label": "Tanker Work: Sub-Contracted %", "question": "Of that tanker work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tires_new", "label": "New Tire Work %", "question": "What percentage of your business is new tire sales/installation?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tires_new_sub", "label": "New Tire Work: Sub-Contracted %", "question": "Of that new-tire work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tires_used", "label": "Used Tire Work %", "question": "What percentage of your business is used tire sales/installation?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tires_used_sub", "label": "Used Tire Work: Sub-Contracted %", "question": "Of that used-tire work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tires_retread", "label": "Tire Retreading %", "question": "What percentage of your business is tire retreading?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_tires_retread_sub", "label": "Tire Retreading: Sub-Contracted %", "question": "Of that retreading work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_trailer_repair", "label": "Trailer Repair %", "question": "What percentage of your business is trailer repair?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_trailer_repair_sub", "label": "Trailer Repair: Sub-Contracted %", "question": "Of that trailer-repair work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_other_repair", "label": "Other Repair Type %", "question": "What percentage of your business is repair work that doesn't fit the categories above?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_other_repair_sub", "label": "Other Repair Type: Sub-Contracted %", "question": "Of that other repair work, what percentage is sub-contracted out?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_repair_specify_detail", "label": "Repair Type Detail", "question": "For any fabricating, refrigeration, or \"other\" repair work above, please briefly describe what it involves.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_shop_only", "label": "Work Done In-Shop %", "question": "What percentage of your work is performed at your shop only (as opposed to at a customer's location)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_pct_away_from_shop", "label": "Mobile/Away-From-Shop Work %", "question": "What percentage of your work is performed away from your premises (e.g., at a customer's location)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_away_from_shop_detail", "label": "Away-From-Shop Work Detail", "question": "Please briefly describe the work you perform away from your shop and where it typically takes place.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "truckrepair_traffic_diversion", "label": "Traffic Diversion Required", "question": "Does any of the work you perform away from the shop require traffic diversion or road closures?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.17.items", "title": "Auto Repair Specific Questions", "scope": "Auto Repair Specific Questions", "handoff": false, "questions": [ { "key": "autorepair_business_type", "label": "Business Type", "question": "What type of auto repair/service operation do you run? If 'other,' please describe.", "help": "", "type": "pillset", "options": [ "Repair Shop", "Body Shop", "Gas Station", "Parking Facility", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_years_experience", "label": "Years of Experience", "question": "How many years of experience do you have in the auto repair/service business?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_autos_owned", "label": "Autos Owned", "question": "How many autos does the business own (company vehicles, service vans, tow vehicles, etc.)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_autos_stored_indoors", "label": "Autos Stored Indoors", "question": "Are customer or business autos stored inside a building overnight?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_building_protection", "label": "Building Fire Protection", "question": "If autos are stored inside a building, does the building have sprinklers and/or a fire/burglar alarm?", "help": "", "type": "multichips", "options": [ "Sprinklers", "Alarm", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_building_construction", "label": "Building Construction", "question": "What is the building made of? Choose one: Frame; Joisted masonry; Non-combustible; Masonry non-combustible; Modified fire resistive; Fire resistive; Not sure.", "help": "", "type": "pillset", "options": [ "Frame", "Joisted masonry", "Non-combustible", "Masonry non-combustible", "Modified fire resistive", "Fire resistive", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_protection_class", "label": "Protection Class", "question": "How close is the nearest fire protection? Choose one: Inside city limits with hydrants; Within 5 road miles of a fire station; More than 5 road miles from a fire station; Not sure.", "help": "", "type": "pillset", "options": [ "Inside city limits with hydrants", "Within 5 road miles of a fire station", "More than 5 road miles from a fire station", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_outdoor_lot_type", "label": "Outdoor Lot Type", "question": "If autos are stored outside, is the lot a standard fenced lot, a non-standard lot, or unfenced?", "help": "", "type": "pillset", "options": [ "Standard fenced", "Non-Standard", "Un-Fenced" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_customer_auto_precautions", "label": "Customer Auto Security", "question": "How are customers' vehicles protected from theft and vandalism while in your care? Select all that apply: Fenced or walled lot; Locked gate after hours; Security lighting; Video cameras; Monitored alarm; Vehicles kept inside overnight; No overnight storage.", "help": "", "type": "multichips", "options": [ "Fenced or walled lot", "Locked gate after hours", "Security lighting", "Video cameras", "Monitored alarm", "Vehicles kept inside overnight", "No overnight storage" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_tools_precautions", "label": "Tools Security", "question": "How are employees' tools protected from theft? Select all that apply: Locked toolboxes; Locked tool room or cage; Building alarm; Video cameras; Tools taken home nightly; No precautions in place.", "help": "", "type": "multichips", "options": [ "Locked toolboxes", "Locked tool room or cage", "Building alarm", "Video cameras", "Tools taken home nightly", "No precautions in place" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_rags_stored_safely", "label": "Rag Storage", "question": "Are used/oily rags stored in a covered metal container and picked up daily?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_no_smoking_verified", "label": "No Smoking Policy", "question": "Please confirm that a 'no smoking' policy is enforced in the shop.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_paint_storage_verified", "label": "Paint Storage", "question": "Please confirm that all paint and flammable materials are stored in approved metal cabinets.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_liability_sign_posted", "label": "Liability Sign", "question": "Is a sign posted in the customer reception/waiting area stating you assume no liability for items left inside vehicles?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_key_controls", "label": "Key Security", "question": "How are customer vehicle keys secured? Select all that apply: Locked key box or cabinet; Key tags or tracking system; Access limited to named staff; Keys held at the front counter; Keys left in the vehicle.", "help": "", "type": "multichips", "options": [ "Locked key box or cabinet", "Key tags or tracking system", "Access limited to named staff", "Keys held at the front counter", "Keys left in the vehicle" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_work_order_used", "label": "Work Orders", "question": "Do you use a standard automotive work order for every vehicle serviced?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_has_commercial_auto_insurance", "label": "Commercial Auto Coverage", "question": "Do you carry commercial auto insurance covering all owned, non-owned, and hired vehicles?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_frame_straightening", "label": "Frame Work", "question": "Do you perform structural alterations or frame straightening on vehicles?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_dismantling_salvage", "label": "Dismantling/Salvage", "question": "Do you engage in auto dismantling or salvage operations?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_owns_tank_trucks", "label": "Tank/Heavy Trucks", "question": "Do you own or operate any tank trucks or other heavy trucks as part of the business?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_loans_vehicles_to_others", "label": "Loaner Vehicles Provided", "question": "Do you rent, lease, or loan vehicles, machinery, or equipment to others (e.g. loaner cars for customers)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_borrows_vehicles_from_others", "label": "Vehicles Borrowed", "question": "Do you rent, lease, or borrow vehicles, machinery, or equipment from others?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_mech_repair_pct_sales", "label": "Mechanical Repair: % Sales", "question": "Of your auto mechanical repair operations, what percentage is parts/vehicle sales?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_mech_repair_pct_repair", "label": "Mechanical Repair: % Repair", "question": "Of your auto mechanical repair operations, what percentage is repair labor?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_tools_description", "label": "Tools Description", "question": "Describe the miscellaneous shop tools you want covered (each valued at $1,500 or less).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_tools_value_limit", "label": "Tools Value/Limit", "question": "What per-item limit do you need for miscellaneous tools coverage (maximum policy limit $10,000)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "autorepair_do_you", "label": "Additional Operations", "question": "Do you do any of the following? Select all that apply (leave blank if none apply).", "help": "", "type": "multichips", "options": [ "Use dealer plates or transfer tags", "Hold a dealer's license", "Post signs restricting customers from work areas", "Perform split rim work", "Provide security guards", "Keep guard dogs", "Have underground storage tanks", "Install or repair trailer hitches", "Modify vehicles for performance", "Repossess vehicles", "Sell used parts", "Sell butane, propane or gas", "Sell recaps", "Sell used tires", "Sponsor or own race cars", "Sponsor sporting or social events", "Special hazards on premises", "Tow truck service for hire", "Valet parking", "Storage or impound lot", "Perform other operations not described above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.18.items", "title": "Welding Specific Questions", "scope": "Welding Specific Questions", "handoff": false, "questions": [ { "key": "weld_process", "label": "Welding processes", "question": "What welding processes do you use? For example resistance, plasma, gas/oxy-fuel, laser, MIG, TIG, or stick.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_type_detail", "label": "Type of welding & materials", "question": "Explain in detail the type of welding you do, what you weld on (for example structural, manufacturing, pipe, repair), and the materials you weld (steel, stainless, aluminum, and so on).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_shop_field_split", "label": "Shop vs field split", "question": "Roughly what percent of your welding is done at your own shop versus at customer job sites (field/mobile)? (should total 100%)", "help": "Field and mobile welding carries a different fire and liability exposure than shop work, so carriers rate the two differently.", "type": "percentage mix", "options": [ "Shop (on premises)", "Field / mobile (off premises)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_trailer_hitches", "label": "Trailer hitches welded", "question": "Do you weld any trailer hitches? (Yes/No)", "help": "Welded trailer hitches carry a product-liability exposure carriers ask about directly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_fabrication", "label": "Products fabricated", "question": "Do you fabricate or manufacture any products (not just weld or repair)? (Yes/No) If yes, describe what you make.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_aws_certified", "label": "AWS certification", "question": "Do all of your welders hold American Welding Society (AWS) certification? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_fire_protection", "label": "Fire protection & hot-work precautions", "question": "What fire protection and hot-work precautions do you have in place at job sites? For example fire extinguishers, a fire watch, and hot-work permits.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_metal_erection", "label": "Metal erection", "question": "Are you involved in any metal erection (erecting structural steel or metal framing)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_structural_over3", "label": "Structural welding over 3 stories", "question": "Do you do any structural welding on buildings over 3 stories? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_hazard_environments", "label": "Higher-hazard welding environments", "question": "Do you do any welding in or on the following? (Select all that apply.) Over the hole, drilling derricks, or rigs; Oil or gas tanks, lines, or pipes; Refineries or chemical plants; Grain bins, silos, or elevators; Aircraft or aerospace; Bridges; Pressure vessels (boilers, tanks).", "help": "These environments are much higher-hazard welding exposures, and some carriers exclude them, so we flag them up front to place you with the right market.", "type": "multichips", "options": [ "Over the hole, drilling derricks, or rigs", "Oil or gas tanks, lines, or pipes", "Refineries or chemical plants", "Grain bins, silos, or elevators", "Aircraft or aerospace", "Bridges", "Pressure vessels (boilers, tanks)", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_industries", "label": "Industries served", "question": "What industries do you provide welding services to?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_fab_size", "label": "Size of fabricated products", "question": "If you fabricate products, what is the typical size of the equipment or products you make?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_fab_enduse", "label": "End use of fabricated products", "question": "If you fabricate products, what is their end use?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_certified_inspection", "label": "Certified welder inspects work", "question": "Does a certified welder inspect completed work? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "weld_machinery", "label": "Machinery welded on", "question": "Do you fabricate, repair, or weld on any of these types of machinery? (Select all that apply.) Conveyors; Cranes; Forklifts; Farm equipment.", "help": "Welding on powered machinery adds a completed-operations exposure carriers price separately.", "type": "multichips", "options": [ "Conveyors", "Cranes", "Forklifts", "Farm equipment", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.19.items", "title": "Swimming Pool Contractor Specific Questions", "scope": "Swimming Pool Contractor Specific Questions", "handoff": false, "questions": [ { "key": "poolct_operations_mix", "label": "Construction vs Remodel Mix", "question": "Roughly what percent of your work is new pool construction versus remodeling or renovating existing pools? (should total 100%)", "help": "New in-ground construction and remodel/repair of existing pools are rated very differently, so the split drives your classification.", "type": "percentage mix", "options": [ "New construction", "Remodel / renovation" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_pool_placement", "label": "In-Ground or Above-Ground", "question": "Do you build or install in-ground pools, above-ground pools, or both? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "In-ground", "Above-ground", "Neither (service / repair only)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_inground_method", "label": "In-Ground Construction Method", "question": "For in-ground pools, which construction methods do you use: gunite/shotcrete, fiberglass shell, or vinyl liner? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Gunite / shotcrete", "Fiberglass shell", "Vinyl liner", "Not applicable (no in-ground work)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_commercial_residential", "label": "Residential vs Commercial", "question": "Roughly what percent of your work is residential versus commercial or public pools? (should total 100%)", "help": "Commercial and public pools carry a higher liability exposure than backyard residential pools.", "type": "percentage mix", "options": [ "Residential", "Commercial / public" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_service_work", "label": "Service / Cleaning / Maintenance Work", "question": "Do you also do pool service, cleaning, or maintenance? If yes, roughly what percent of your revenue is service work versus construction and installation?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_years_business", "label": "Years in Business (Pool)", "question": "How many years has the business been operating?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_years_experience", "label": "Years of Experience (Pool)", "question": "How many years of experience do you personally have building or installing pools?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_license_number", "label": "Contractor License Number", "question": "What is your contractor's license number?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_license_type", "label": "Contractor License Type", "question": "What type of contractor's license do you hold (for example the ROC classification)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_owner_payroll", "label": "Owner Payroll (Pool)", "question": "What is the annual payroll for owners who actively work in the field?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_retail_staff", "label": "Retail Employees", "question": "How many retail or counter employees do you have? Please note how many are full-time and how many are part-time.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_retail_payroll", "label": "Retail Payroll", "question": "What is the total annual payroll for your retail or counter employees?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_install_staff", "label": "Installation Crew", "question": "How many installation or construction crew employees do you have? Please note how many are full-time and how many are part-time.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_install_payroll", "label": "Installation Payroll", "question": "What is the total annual payroll for your installation or construction crew?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_retail_sales", "label": "Annual Retail Sales", "question": "What are your estimated annual retail sales (supplies, equipment, and spas sold over the counter)?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_installation_sales", "label": "Annual Installation Sales", "question": "What are your estimated annual pool installation and construction sales?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_subcontractor_cost", "label": "Subcontractor Annual Cost", "question": "What is your total estimated annual cost paid to independent contractors and subcontractors?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_subsurface_study", "label": "Subsurface / Utility Study", "question": "Before any digging, do you study the subsurface and identify existing utility pipes and lines (for example calling 811 / Blue Stake)? (Yes/No)", "help": "Hitting a buried gas, water, or power line is one of the biggest excavation claims, so carriers want to know you locate utilities first.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_equipment_owned_rented", "label": "Heavy Equipment Owned or Rented", "question": "Is the heavy equipment you use (excavators, skid steers, and similar) owned or rented? (If rented, we will need the rental company certificate of insurance.)", "help": "", "type": "multichips", "options": [ "Owned", "Rented", "No heavy equipment" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_rents_portable_spas", "label": "Rents Out Portable Spas", "question": "Do you rent out portable spas or hot tubs? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_sub_coi_required", "label": "Subcontractor COI Each Project", "question": "Do you require certificates of insurance from your subcontractors before the start of every project? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_sub_lower_limits", "label": "Subcontractor Lower Limits", "question": "Do any of your subcontractors carry coverage or limits lower than yours? (Yes/No; if yes, what minimum limits do you accept?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_sub_written_contract", "label": "Written Subcontractor Contracts", "question": "Do you get written contracts with a hold-harmless and indemnification clause in your favor from all subcontractors? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_sub_names_ai", "label": "Named Additional Insured on Sub Policy", "question": "Are you named as an additional insured on your subcontractors' policies? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_coi_retention", "label": "COI Retention Period", "question": "How long do you keep certificates of insurance on file?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_own_label_products", "label": "Own-Label Products", "question": "Do you manufacture or sell any products under your own label or brand? (Yes/No)", "help": "Selling products under your own label adds a products-liability exposure carriers underwrite separately, so it is flagged up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_diving_boards_slides", "label": "Installs Diving Boards / Slides", "question": "Do you install diving boards, slides, or similar accessories? (Yes/No)", "help": "Diving boards and slides are a leading source of serious pool injury claims, so carriers rate them closely.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_diving_slide_detail", "label": "Diving Board / Slide & Accessory Detail", "question": "If you install diving boards, slides, or other accessories, roughly how many per year, are any over 10 feet tall, and what other accessories (waterfalls, lighting, and similar) do you install?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "poolct_warranty", "label": "Written Warranty", "question": "Do you warranty your work in writing? (Yes/No; if yes, for how long?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.20.items", "title": "Plumbing Specific Questions", "scope": "Plumbing Specific Questions", "handoff": false, "questions": [ { "key": "plumb_ops_infrastructure", "label": "Heavy civil, infrastructure or industrial sites", "question": "Does the business perform any work related to the following? Select all that apply: underground utility or tunneling; airport or railroad construction; street, road, bridge or dam construction; installing or erecting playground equipment, bleachers or stages; equipment rented or leased to others; blasting operations; work at industrial, petroleum, chemical or mining facilities; none of these.", "help": "These are the operations plumbing programs most often exclude outright. Telling us exactly which ones apply, rather than just that something does, is what lets us go straight to a carrier that can write it instead of waiting a week on a declination.", "type": "multichips", "options": [ "Underground utility or tunneling", "Airport or railroad construction", "Street, road, bridge or dam construction", "Installing or erecting playground equipment, bleachers or stages", "Equipment rented or leased to others", "Blasting operations", "Work at industrial, petroleum, chemical or mining facilities", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_ops_street_security", "label": "Street, traffic or scaffolding work", "question": "Does the business perform any work related to the following? Select all that apply: snow plowing or street cleaning; traffic diversion, road closure or traffic safety; public street or road work; security operations; scaffolding; none of these.", "help": "Working in live traffic and working off scaffolding both add exposures a standard plumbing class does not contemplate, so carriers screen for them separately.", "type": "multichips", "options": [ "Snow plowing or street cleaning", "Traffic diversion, road closure or traffic safety", "Public street or road work", "Security operations", "Scaffolding", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_ops_specialty", "label": "Sprinkler, drilling, solar or waterproofing work", "question": "Does the business perform any work related to the following? Select all that apply: fire sprinkler work; oil or gas drilling; contractor equipment rental; solar or windmill installation; waterproofing; clearing brush or trees for wildfire control or vegetation management; none of these.", "help": "Each of these is its own class code. Doing any of them alongside plumbing changes which carriers can write the whole account rather than only part of it.", "type": "multichips", "options": [ "Fire sprinkler work", "Oil or gas drilling", "Contractor equipment rental", "Solar or windmill installation", "Waterproofing", "Clearing brush or trees for wildfire control or vegetation management", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_ops_high_hazard", "label": "Excavation, sensitive occupancies or remediation", "question": "Does the business perform any work related to the following? Select all that apply: grading or excavation on slopes greater than 30 degrees; retaining walls over 6 feet high; work at hospitals, senior housing, assisted living or schools; grain elevators, traffic lights, underground storage tanks, skylights or EIFS; remediation of smoke, fire, water or earthquake damage; hazardous material abatement or environmental remediation; none of these.", "help": "Slope and retaining-wall work, sensitive occupancies like hospitals and schools, and anything touching contamination are each rated well above ordinary plumbing, and they go to different carriers. A selection here does not disqualify you; it tells us which market to approach first.", "type": "multichips", "options": [ "Grading or excavation on slopes greater than 30 degrees", "Retaining walls over 6 feet high", "Work at hospitals, senior housing, assisted living or schools", "Grain elevators, traffic lights, underground storage tanks, skylights or EIFS", "Remediation of smoke, fire, water or earthquake damage", "Hazardous material abatement or environmental remediation", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_roofing", "label": "Roofing installation or repair", "question": "Does the business perform any roofing installation or repair? (Yes / No)", "help": "Roofing is one of the hardest trades to place and most plumbing programs exclude it, even when it is only the occasional patch after a vent or drain job.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_exterior_over_3_stories", "label": "Exterior work above three stories", "question": "Does the business perform EXTERIOR work on dwellings over three stories? (Yes / No)", "help": "Height drives the fall exposure carriers rate hardest, so exterior work above three stories moves a plumbing risk into a different class with most programs.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_new_residential", "label": "New condo, tract or townhome construction", "question": "Does the business perform new construction of any of the following? Select all that apply: condominiums; condo conversions; tract housing; townhomes; none of these.", "help": "New multi-unit and tract residential carries the construction-defect exposure carriers underwrite hardest, and many plumbing programs exclude it entirely. This is a knockout question on nearly every contractor supplement.", "type": "multichips", "options": [ "Condominiums", "Condo conversions", "Tract housing", "Townhomes", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_custom_homes", "label": "Custom home construction", "question": "Is the business involved in constructing custom homes? (Yes / No)", "help": "Custom homes are underwritten differently from tract housing. They are one-off rather than repeated across a development, so the defect exposure is usually smaller, but carriers still want it identified separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_direct_high_hazard", "label": "Boilers, sprinklers, LPG or multi-story units", "question": "Do you or your direct employees perform any of the following, NOT including work you subcontract to others? Select all that apply: boilers or pressure vessels other than water heaters; building sprinklers or fire suppression systems; LPG (liquefied petroleum gas); apartments or condominium units over two stories; backflow testing or high pressure steam pipe work; none of these.", "help": "Carriers separate what your own crew does from what you hand to a subcontractor, because your policy is rated on your payroll. These five are the plumbing operations most often carved out of a standard program, and they are not carved out equally, so which ones you do matters.", "type": "multichips", "options": [ "Boilers or pressure vessels other than water heaters", "Building sprinklers or fire suppression systems", "LPG (liquefied petroleum gas)", "Apartments or condominium units over two stories", "Backflow testing or high pressure steam pipe work", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "plumb_direct_process_piping", "label": "Process piping or industrial plant work", "question": "Do you or your direct employees perform any of the following, NOT including work you subcontract to others? Select all that apply: process piping; work at industrial facilities; work at petrochemical facilities; aerospace work; none of these.", "help": "Process piping and industrial plant work are rated well above residential and light commercial plumbing, so if your own crew does it, it needs to be on the application from the start rather than surfacing at audit.", "type": "multichips", "options": [ "Process piping", "Work at industrial facilities", "Work at petrochemical facilities", "Aerospace work", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.21.items", "title": "Drywall Specific Questions", "scope": "Drywall Specific Questions", "handoff": false, "questions": [ { "key": "drywall_ops_outside_trade", "label": "Operations outside drywall", "question": "Does the business do any of the following? Select all that apply: general contracting; more than 50% of work on new construction, including multi-unit (20 or more) residential condos, town houses, tract homes or housing developments; asbestos, lead or mold abatement, remediation, pollution clean up or environmental services; handyman operations; demolition that is not performed in conjunction with your own trade work; infrastructure work such as utilities, highways, bridges or dams; millwrighting, meaning installing, servicing or repairing machinery or boilers in industrial settings; none of the above.", "help": "Every one of these sits in a different class code than drywall, and most drywall programs either exclude them or rate them separately. Naming the specific ones that apply, rather than just that something does, is what lets us go straight to a carrier that can write the whole account instead of waiting a week on a declination.", "type": "multichips", "options": [ "General contracting", "More than 50% of work on new construction, including multi-unit (20 or more) residential condos, town houses, tract homes or housing developments", "Asbestos, lead or mold abatement, remediation, pollution clean up or environmental services", "Handyman operations", "Demolition that is not performed in conjunction with your own trade work", "Infrastructure work such as utilities, highways, bridges or dams", "Millwrighting, meaning installing, servicing or repairing machinery or boilers in industrial settings", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drywall_carpentry_work", "label": "Carpentry work performed", "question": "Does the business perform any of the following carpentry work? Select all that apply: structural framing; home building; installing windows, skylights or exterior doors when that work is not in conjunction with and incidental to interior trade work; roofing, gutters, siding, EIFS or building envelope work; constructing items that are not buildings, such as pools, playground equipment, bleachers, piers or docks; none of the above.", "help": "Interior drywall and finish carpentry are among the easier trades to place. Structural framing and anything on the building envelope carry the construction-defect and water-intrusion exposure carriers underwrite hardest, which moves the risk into a different class and often a different market, so it gets screened up front rather than at audit.", "type": "multichips", "options": [ "Structural framing", "Home building", "Installing windows, skylights or exterior doors when that work is not in conjunction with and incidental to interior trade work", "Roofing, gutters, siding, EIFS or building envelope work", "Constructing items that are not buildings, such as pools, playground equipment, bleachers, piers or docks", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drywall_max_height", "label": "Maximum working height", "question": "What is the maximum height you or your crew will work at? (0 to 6 feet / 7 to 15 feet / 16 to 30 feet / more than 30 feet)", "help": "Falls are the most common serious injury in the trade, so height is one of the few answers that changes both the carrier and the price. Interior drywall that stays under 6 feet is rated very differently from work off scaffolding or a lift.", "type": "pillset", "options": [ "0 to 6 feet", "7 to 15 feet", "16 to 30 feet", "More than 30 feet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drywall_height_equipment", "label": "Equipment used at heights", "question": "If you work above 6 feet: which equipment do you use when working at heights? Select all that apply: ladders; scaffolding; aerial lift equipment including pump jacks and scissor lifts; cherry pickers, booms or cranes; other equipment.", "help": "Ladders and scaffolding are expected in the trade. Lifts, booms and cranes add an equipment exposure of their own, and several programs need them identified before they will quote at all.", "type": "multichips", "options": [ "Ladders", "Scaffolding", "Aerial lift equipment including pump jacks and scissor lifts", "Cherry pickers, booms or cranes", "Other equipment" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drywall_height_osha", "label": "OSHA standards at heights", "question": "If you work above 6 feet: does the business follow the required OSHA standards for working at heights? (Yes / No)", "help": "A documented fall-protection practice is what several carriers use to decide whether a height exposure is acceptable at all, and with some of them it also earns a credit on the premium.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drywall_rooftop_work", "label": "Rooftop work", "question": "If you work above 6 feet: what rooftop work does the business do? Select all that apply: no rooftop work; flat roof work; pitched roof work.", "help": "Any time spent on a roof is underwritten separately from interior work, and a pitched roof is rated above a flat one. Answering no rooftop work keeps the risk in the ordinary drywall class.", "type": "multichips", "options": [ "No rooftop work", "Flat roof work", "Pitched roof work" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "drywall_trade_experience", "label": "Experience in the trade", "question": "Which of the following have you already done in this trade? Select all that apply: negotiated contracts with clients; bid on jobs; performed job site supervision; supervised subcontractors; hired employees; none of the above.", "help": "A brand-new business has no loss history for a carrier to look at, so the owner's hands-on experience is what gets underwritten instead. The more of these you have already done, the more markets will look at a first-year contractor.", "type": "multichips", "options": [ "Negotiated contracts with clients", "Bid on jobs", "Performed job site supervision", "Supervised subcontractors", "Hired employees", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.22.items", "title": "Child Care Specific Questions", "scope": "Child Care Specific Questions", "handoff": false, "questions": [ { "key": "daycare_operation_type", "label": "Type of Operation", "question": "What type of child care operation is this? (e.g. Day Care Center, Drop-off Center, Before/After School Program, In-Home Day Care, Sick-Child Day Care, Foster Care, or Part of an Organization)", "help": "", "type": "multichips", "options": [ "Day Care Center", "Drop-Off Center", "Before/After School", "Sick-Child Day Care", "In-Home Day Care", "Foster Care", "Organization" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_years_in_business", "label": "Years in Business", "question": "If the business is already operating: how long has the applicant been in business (as a day care/child care operation)?", "help": "", "type": "years", "options": [ "New venture", "In business for…" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_overnight_care", "label": "Overnight Care?", "question": "Is overnight care provided to any children?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_special_needs_care", "label": "Special-Needs Care?", "question": "Is care provided for autistic or special-needs children (mentally or physically impaired)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_24hr_open", "label": "Open 24 Hours?", "question": "Is the facility open twenty-four (24) hours a day?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_dropoff_mall", "label": "Drop-off at Mall/Retail?", "question": "If this is a drop-off center, is it located at a shopping mall or other retail establishment?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_nannies_offsite", "label": "Provides Nannies Off-Site?", "question": "Does the applicant provide nannies or similar services away from the premises address?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_abuse_limit", "label": "Abuse Coverage Limit", "question": "What sexual/physical abuse coverage limit is being requested? State whether it's for a Day Care Center or In-Home Day Care, and the limit (e.g. 'Day Care Centers: $100,000 Per Claim/$300,000 Aggregate' or 'In-Home Day Care: $25,000 Per Claim/$50,000 Aggregate').", "help": "", "type": "pillset", "options": [ "Day Care Centers: $ 25,000", "Day Care Centers: $100,000", "Day Care Centers: $250,000", "In-Home Day Care: $ 25,000", "In-Home Day Care: $ 50,000", "In-Home Day Care: $100,000" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_licensed", "label": "Licensed/Registered?", "question": "Is the applicant licensed, registered, and/or in compliance with state child-care regulations?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_license_number", "label": "License Number", "question": "What is the applicant's license number (if applicable)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_max_licensed_capacity", "label": "Max Children Permitted by License", "question": "What is the maximum number of children permitted by the applicant's license/regulations?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_max_children_onsite", "label": "Max Children On Premises", "question": "What is the maximum number of children on the premises at any one time?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_avg_daily_attendance", "label": "Average Daily Attendance", "question": "What is the average daily attendance (number of children)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_background_checks", "label": "Background Checks?", "question": "Are criminal background checks completed on employees?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_abuse_allegations", "label": "Prior Abuse Allegations?", "question": "Are there any previous or pending allegations of sexual or physical abuse against the applicant?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_trampolines", "label": "Trampolines?", "question": "Are there any trampolines on the premises?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_inflatables", "label": "Inflatables?", "question": "Are there any inflatables, such as moon bounces or slides, rented or owned?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_play_area_fenced", "label": "Play Area Fenced?", "question": "Is the play area fully fenced?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pools_present", "label": "Pools/Wading Pools?", "question": "Are there any swimming or wading pools on the premises?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_fenced_gate", "label": "Pool Self-Latching Gate?", "question": "If there are pools, is the pool area fenced with a self-latching gate?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_lifeguard_present", "label": "Lifeguard Present?", "question": "If there are pools, is a certified lifeguard or CPR-certified attendant present at all times?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_natural_water", "label": "Natural Bodies of Water?", "question": "Are there any natural bodies of water (lakes, rivers, streams, etc.) on the property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_animals_onsite", "label": "Animals On Premises?", "question": "Are there any animals on the premises?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_transports_children", "label": "Transports Children?", "question": "Does the applicant transport children to and from home and/or school (owned or hired vehicles)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_large_vehicles", "label": "15+ Passenger Vehicles?", "question": "Are any vehicles with a seating capacity exceeding fifteen (15) passengers utilized?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_org_description", "label": "Organization Description", "question": "If the day care is part of a larger organization (church, school district, employer, etc.), what is the name of that organization?", "help": "Carriers underwrite differently when a day care operates under a parent organization's umbrella.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_age_children_counts", "label": "Children by Age Group", "question": "For each age group, how many children are typically enrolled?", "help": "Age mix drives both staffing ratios and the injury exposure carriers price for. Best estimates are fine.", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_age_attendants_counts", "label": "Attendants by Age Group", "question": "For each of those same age groups, how many attendants/staff are typically assigned?", "help": "Staff-to-child ratios by age group are a core underwriting factor for day cares.", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_building_description", "label": "Building Description", "question": "Briefly describe the building: approximate age, construction type, and number of exits.", "help": "Building age and construction type affect both property rating and life-safety underwriting.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_bottle_warmers_accessible", "label": "Bottle Warmers/Cooking Appliances Accessible?", "question": "Are there any bottle warmers or cooking appliances located in areas children can access?", "help": "Burn hazards within reach of children are a specific carrier concern. \"No\" is the answer they hope to see.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pools_over18_count", "label": "Pools Over 18\" Deep", "question": "How many pools deeper than eighteen (18) inches are on the premises? (0 if none)", "help": "Pool depth determines which safety rules apply; 18 inches is the carrier’s dividing line.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_wading_pools_count", "label": "Wading Pools (18\" or Less)", "question": "How many wading pools eighteen (18) inches deep or less are on the premises? (0 if none)", "help": "Shallow wading pools are rated differently from full swimming pools.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_location", "label": "Pool Location", "question": "Are the swimming pools located above-ground or in-ground?", "help": "Above-ground and in-ground pools carry different access and injury profiles for the carrier.", "type": "pillset", "options": [ "Above-ground", "In-ground" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_slides_diving", "label": "Pool Slides/Diving Boards?", "question": "Are there any swimming pool slides or diving boards?", "help": "Slides and diving boards add injury exposure carriers price separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_slide_height", "label": "Slide/Diving Board Height", "question": "If there are pool slides or diving boards, what is the height?", "help": "Height is the main factor in how risky the carrier considers a slide or board.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_safety_equipment", "label": "Poolside Life Safety Equipment?", "question": "Is life safety equipment (e.g. a rescue hook, ring buoy) kept at poolside?", "help": "Basic rescue equipment at poolside is a standard carrier requirement.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_rules_posted", "label": "Pool Rules Posted?", "question": "Are pool rules posted at the pool area?", "help": "Posted rules demonstrate active supervision practices to the carrier.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_attendant_ratio", "label": "Attendant-to-Child Ratio While Swimming", "question": "What is the ratio of attendants to children while swimming (e.g. \"1 to 6\")?", "help": "This supervision ratio is a key factor carriers use to price pool-related liability.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_pool_vgb_compliant", "label": "VGB Pool & Spa Safety Act Compliant?", "question": "Are all swimming pools, wading pools, hot tubs, and spas in compliance with the federal Virginia Graeme Baker Pool and Spa Safety Act?", "help": "VGB compliance (anti-entrapment drain covers) is a standard carrier requirement for any pool exposure.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_animals_description", "label": "Animals Description", "question": "If there are animals on the premises, please describe them (type and number).", "help": "Carriers mainly watch for dogs and exotic animals around children.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_dogs_away_from_children", "label": "Dogs Kept Away From Children?", "question": "Are dogs kept away from the children at all times?", "help": "Dog bites are one of the most common day-care claims, so carriers ask this directly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_other_hazards_describe", "label": "Other Premises Hazards", "question": "Are there any other notable hazards or features on the premises not already covered above? Please describe.", "help": "A catch-all so nothing surprises the underwriter at inspection time.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_injury_illness_handling", "label": "Handling Injuries/Illnesses", "question": "Briefly describe how injuries and illnesses among the children are handled.", "help": "A clear first-aid and notification procedure reassures the carrier.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_special_classes", "label": "Special Classes Taught?", "question": "Are any special classes taught (e.g. dance, gymnastics, martial arts)? If yes, please describe.", "help": "Higher-risk activity classes (gymnastics, martial arts) can affect pricing and which carriers will write the risk.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_auto_liability_carrier", "label": "Auto Liability Carrier (if Transporting)", "question": "If currently insured and you transport children to and/or from home or school: who is your auto liability insurance carrier?", "help": "The carrier confirms the transport exposure is insured on an auto policy, not this one.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_large_vehicles_explain", "label": "Large-Vehicle Use Explained", "question": "If any vehicle seating more than fifteen (15) passengers is used, please explain.", "help": "Buses and large vans are a distinct exposure the carrier reviews individually.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_field_trips_description", "label": "Field Trips", "question": "Describe the nature of any field trips: how many trips per year, and who provides the transportation?", "help": "Off-premises activities and transport arrangements change the liability picture.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_drivers_auto_liability_required", "label": "Drivers Required to Carry Auto Liability?", "question": "Do you require any drivers (other than the business itself) to carry their own auto liability insurance?", "help": "Requiring proof of insurance from parents/volunteers who drive protects your policy from their accidents.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_medication_dispensed", "label": "Medication Dispensed?", "question": "Is any medication dispensed to children? If yes, please describe.", "help": "Dispensing medication raises a distinct liability exposure that some carriers price or exclude separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_ah_policy_students", "label": "Accident & Health Policy on Students?", "question": "Do you carry an accident and health policy covering the students/children?", "help": "A student A&H policy pays small injury claims first, which keeps them off your liability policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_ah_carrier", "label": "A&H Carrier", "question": "If currently insured: who is the accident & health carrier?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_ah_policy_number", "label": "A&H Policy Number", "question": "If currently insured: what is the accident & health policy number?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_ah_policy_term", "label": "A&H Policy Term", "question": "If yes, what is the accident & health policy term?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_release_custodial_only", "label": "Released Only to Custodial Parent/Guardian?", "question": "Are children released only to the custodial parent or legal guardian?", "help": "Release controls are central to abuse/abduction underwriting.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_release_procedure_describe", "label": "Release Authorization Procedure", "question": "If children are NOT released only to the custodial parent/guardian, describe the authorization procedure used to release a child to anyone else.", "help": "The carrier wants to see a written authorization process for anyone else picking up a child.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_power_generation", "label": "Power Generation?", "question": "Does the business engage in generating power (other than emergency back-up power) for its own use or for sale to power companies? If yes, please describe.", "help": "An unusual exposure for a day care: solar arrays that sell power back count, and need separate review.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_other_business_ventures", "label": "Other Business Ventures?", "question": "Does the applicant have any other business ventures for which coverage is not being requested here? If yes, please explain and advise where each is insured.", "help": "Carriers need to know about related ventures to confirm they aren't inadvertently covered, or excluded, by this policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "daycare_nx_field_trips", "label": "Field trips / outings", "question": "Do you take the children on field trips or outings away from the premises?", "help": "The quick online policy excludes field trips. If outings are part of your program, Lee can quote a market that covers them instead - nothing here disqualifies you from coverage.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.23.items", "title": "Pilot Car Specific Questions", "scope": "Pilot Car Specific Questions", "handoff": false, "questions": [ { "key": "pilotcar_years_experience", "label": "Years in Business/Experience", "question": "How many years has the business been operating pilot car / escort vehicle services?", "help": "", "type": "years", "options": [ "New venture", "In business for…" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_states_operation", "label": "States/Area of Operation", "question": "In which states or geographic area does the business operate?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_total_units", "label": "Total # of Pilot Cars", "question": "How many pilot car / escort vehicle units does the business run?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_operations_description", "label": "Description of Operations", "question": "Please describe all pilot car / escort vehicle operations performed.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_auto_insurance_carried", "label": "Auto Insurance Carried on Pilot Car", "question": "Is auto liability insurance currently carried on the pilot car(s), or being quoted out now? (Carriers typically decline if not.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_tillerman_steering", "label": "Tillerman/Steering Services Provided", "question": "Does the business provide any tillerman or rear-steering services on escorted loads? (Carriers typically decline if yes.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_no_prior_losses", "label": "No Prior Losses/Claims", "question": "Has the business had zero prior losses or claims in its pilot car operations? (If there ARE losses to report, leave unchecked and provide loss details separately.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_sub_cost_percentage", "label": "Subcontracted Work % of Receipts", "question": "What percentage of total annual receipts is subcontracted work?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_subs_cert_required", "label": "Certificates of Insurance from Subcontractors", "question": "Does the business obtain certificates of insurance from all subcontractors?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_subs_written_contract", "label": "Written Contract with Subcontractors", "question": "Does the business use a written contract with subcontractors?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_subs_additional_insured", "label": "Additional Insured on Subs' Policies", "question": "Is the business added as an additional insured on subcontractors' liability policies?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_directs_traffic_intersections", "label": "Directs Traffic Through Intersections", "question": "Does the risk direct traffic through intersections while escorting loads?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_open_communication", "label": "Open Communication Pilot Car/Load", "question": "Is there an open line of communication maintained between the pilot car and the load being piloted?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_routes_preplanned", "label": "Routes Researched/Pre-Planned", "question": "Are routes researched and pre-planned prior to travel?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_route_planning_methods", "label": "Route Pre-Planning Methods", "question": "How do you plan a route before the move? Select all that apply: State permit office route; Written route survey; GPS or mapping software with height data; Physical pre-drive of the route; Route supplied by the customer; Height pole check on the day.", "help": "", "type": "multichips", "options": [ "State permit office route", "Written route survey", "GPS or mapping software with height data", "Physical pre-drive of the route", "Route supplied by the customer", "Height pole check on the day" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_avoids_overhead_hazards", "label": "Avoids Overhead Hazards", "question": "Does the risk map out routes to avoid overhead powerlines, underpasses, and railroad crossings?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_uses_height_poles", "label": "Uses Height Poles", "question": "Does the risk use any height poles?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_height_poles_telescoping", "label": "Height Poles Telescoping", "question": "If height poles are used, are they telescoping?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_height_pole_twist_fitting", "label": "Height Pole Twist-Type Fittings", "question": "Do the height poles use twist-type compression fittings?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_height_pole_bolt_fitting", "label": "Height Pole Bolt/Pin Fittings", "question": "Do the height poles use bolt/pin type fittings?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_height_pole_osha_compliant", "label": "Height Poles Meet OSHA Standard", "question": "Do the height poles meet OSHA standards for live electric line tools (29 CFR Part 1910.269)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_height_pole_attached_front", "label": "Height Poles Attached Front, Clear View", "question": "Do the height poles always attach to the front of the pilot car vehicle in clear view of the driver?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_owner_partner_count", "label": "Number of Owners/Partners", "question": "How many owners or partners work in the business?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_payroll_total", "label": "Total Annual Payroll", "question": "What is the total annual payroll for the business?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_trade_employee_count", "label": "Number of Trade Employees", "question": "How many employees work in the pilot car/escort trade (drivers, dispatchers, etc.)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_receipts_previous_year", "label": "Prior Year Receipts", "question": "What were the business's receipts/sales for the prior year?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_receipts_two_years_ago", "label": "Receipts Two Years Ago", "question": "What were the business's receipts/sales two years ago?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_avg_jobs_per_month", "label": "Average Jobs per Month", "question": "On average, how many pilot car/escort jobs does the business run per month?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_other_business_ventures", "label": "Other Business Ventures", "question": "Does the applicant own or operate any other business ventures?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_other_ventures_explain", "label": "Other Ventures Details", "question": "Please describe the other business venture(s), and confirm where each is insured.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_additional_interest_name_address", "label": "Additional Interest Name & Address", "question": "If a lienholder, lessor, or other party needs to be listed as an additional interest, provide their name and address (leave blank if none).", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_sub_cost_uninsured", "label": "Subcontracted Cost: Uninsured", "question": "What is the annual cost paid to subcontractors who do NOT carry their own insurance?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_sub_cost_insured", "label": "Subcontracted Cost: Insured", "question": "What is the annual cost paid to subcontractors who DO carry their own insurance?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_sub_operations_description", "label": "Subcontracted Operations Description", "question": "Please describe the operations that are subcontracted out.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_sub_hold_harmless", "label": "Subcontractor Hold-Harmless Agreement", "question": "Do subcontractor agreements include a hold-harmless/indemnification clause in your favor?", "help": "", "type": "pillset", "options": [ "Yes", "No", "N/A" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_sub_coi_min_limits", "label": "Subcontractor Minimum COI Limits", "question": "What are the minimum liability limits you require on subcontractor certificates of insurance?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_sub_contract_exception", "label": "Written Contract Exception", "question": "If you don't always use a written contract with subcontractors, please explain when one isn't used.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_direct_traffic_details", "label": "Directing Traffic Details", "question": "Please describe how traffic is directed through intersections while escorting loads (e.g. flags, signage, training).", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_route_mapping_no_explain", "label": "No Route Mapping: Explanation", "question": "Since routes aren't mapped to avoid overhead hazards, please explain how that risk is otherwise managed.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_prior_carriers", "label": "Prior Insurance Carriers", "question": "If currently insured: list your prior insurance carrier(s), term, and premium, one per line (e.g. 'Progressive - 2023-2024 - $12,000'). Up to 2 will be recorded on the application.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pilotcar_auto_insurance_limits", "label": "Auto Insurance Limits", "question": "What are the current auto liability limits on the pilot car(s), or the limits you're getting quoted for?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.24.items", "title": "Courier / Delivery Specific Questions", "scope": "Courier / Delivery Specific Questions", "handoff": false, "questions": [ { "key": "courier_cargo_types", "label": "What you carry", "question": "What do you carry on a typical run? Select all that apply.", "help": "What is in the vehicle is the single biggest factor in which cargo or goods-in-transit market can write the account. Prescription medications, human tissue, and cash or negotiable instruments are each handled under their own rules by most carriers, so it matters which of these apply.", "type": "multichips", "options": [ "Lab specimens, blood, or biological samples", "Prescription medications or pharmaceuticals", "Medical records, requisitions, or other documents", "Medical equipment or supplies", "Organs or tissue for transplant", "General packages and parcels", "Food or restaurant orders", "Legal filings or court documents", "Cash, checks, or other negotiable instruments", "Something else" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_load_value", "label": "Value of one load", "question": "At your best estimate, what is the most one vehicle would be carrying at any one time?", "help": "Cargo limits are generally set per vehicle against the highest-value load you would carry at once, so this is the figure a limit gets quoted against. An estimate is fine and can be updated before anything is finalized.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_temperature_control", "label": "Temperature-controlled runs", "question": "Do any of your runs have to stay at a set temperature, for example refrigerated specimens, vaccines, or anything shipped on dry ice?", "help": "A refrigeration or temperature failure that ruins a shipment is generally addressed by a separate spoilage or temperature-controlled cargo coverage rather than by standard cargo coverage, subject to the policy wording and carrier guidelines.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_biohazard_handling", "label": "Specimen and biohazard handling", "question": "If you carry specimens, samples, or medical waste, which of these are part of how your drivers handle them? Select all that apply.", "help": "Underwriters on a medical courier account look for bloodborne pathogen training and proper containment. If some of these are not in place yet, it is fine to say so; it helps set expectations with the carrier up front.", "type": "multichips", "options": [ "Bloodborne pathogen training for drivers", "Leak-proof secondary containment or approved specimen bags", "Biohazard labelling on containers", "A spill kit carried in every vehicle", "Written handling and spill procedures", "Not applicable, I don't carry specimens or medical waste", "None of these yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_chain_of_custody", "label": "Tracking a package", "question": "How do you track a package from pickup to delivery? Select all that apply.", "help": "A lost, damaged, or misdelivered item is the most common courier claim, and a documented chain of custody is what establishes where it went. It also affects how the account is priced.", "type": "multichips", "options": [ "Signature capture at pickup and delivery", "Barcode or QR scanning", "Photo proof of delivery", "GPS or app-based tracking", "A paper manifest or log sheet", "None of these yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_phi_handling", "label": "Patient records and privacy", "question": "Do you carry patient records, requisitions, or anything else holding protected health information, and have you signed a HIPAA business associate agreement with any client?", "help": "Records in transit are a privacy exposure rather than a cargo one, and a business associate agreement usually carries its own obligations. Knowing this up front helps identify whether a cyber or privacy coverage belongs in the quote alongside the auto and cargo.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_driver_employment", "label": "How drivers are classified", "question": "Will your drivers be W-2 employees, 1099 independent contractors, or a mix?", "help": "How drivers are classified affects how the policy is set up and whether workers compensation applies.", "type": "pillset", "options": [ "Just me for now", "W-2 employees", "1099 independent contractors", "A mix of both" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_personal_vehicles", "label": "Drivers using their own cars", "question": "Will any driver ever use their own personal vehicle to make deliveries?", "help": "A personal auto policy generally excludes delivery work, so a personal vehicle used for the business changes how the policy needs to be set up. It is important to flag up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_radius", "label": "Typical run distance", "question": "How far do your runs typically go from your base?", "help": "Driving radius is one of the main rating factors on a commercial auto policy.", "type": "pillset", "options": [ "Mostly local (within about 25 miles)", "Regional (up to about 100 miles)", "Statewide", "Across state lines" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_run_schedule", "label": "When you run", "question": "When do your runs happen? Select all that apply.", "help": "Night and weekend driving is rated differently from a weekday route, and a scheduled route is a different exposure from on-demand dispatch.", "type": "multichips", "options": [ "Scheduled daily or weekly routes", "On-demand or dispatched calls", "Overnight runs", "Weekend runs", "STAT or rush runs" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_client_contracts", "label": "Who you deliver for", "question": "Who do you deliver for, and do any of their contracts spell out insurance requirements such as limits or certificate wording? For example hospitals, reference labs, pharmacies, law firms, or a larger delivery network you contract to.", "help": "Client contracts usually specify the limits and certificate wording they require, so the underwriter can take those requirements into account when putting the quote together.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "courier_vehicle_storage", "label": "Packages left in a vehicle", "question": "Are packages ever left in an unattended vehicle, and where are the vehicles parked overnight?", "help": "Theft from an unattended vehicle is excluded or sharply limited on many cargo forms, and the overnight garaging location is listed for each vehicle on the application.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.25.items", "title": "Medical Transport (NEMT) Specific Questions", "scope": "Medical Transport (NEMT) Specific Questions", "handoff": false, "questions": [ { "key": "nemt_service_mix", "label": "Transport service mix", "question": "Roughly what share of your trips falls into each category? Your best estimate is fine.", "help": "Carriers price wheelchair and stretcher trips differently than ambulatory trips because of the extra loading, securement, and passenger handling involved. An estimate is fine and can be updated before anything is finalized.", "type": "percentage mix", "options": [ "Ambulatory (passenger can walk; sedan or van)", "Wheelchair", "Stretcher or gurney", "Other or non-medical trips (school routes, shuttles, courier)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_medical_care", "label": "Care provided during transport", "question": "What level of care do you or your drivers provide during transport?", "help": "Carriers quote transport with medical staff or monitoring on board on a different basis, so it is important to know up front.", "type": "pillset", "options": [ "Curb-to-curb only (no physical assistance)", "Door-to-door or door-through-door (help walking and getting in and out, no medical care)", "Medical care or monitoring on board (for example an EMT or nurse)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_emergency_response", "label": "Emergency or 911 work", "question": "Will you do any emergency, 911, or lights-and-sirens response work?", "help": "Emergency response is rated and underwritten separately from scheduled non-emergency trips.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_vehicle_counts", "label": "Vehicles by type", "question": "How many vehicles of each type will be on the policy? Enter 0 where none.", "help": "Lift-equipped and higher-seating vehicles are rated differently, and carriers ask for the count of each type.", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_trip_volume", "label": "Trips in a typical week", "question": "Roughly how many one-way trips will you run in a typical week once you are up and running?", "help": "Trip volume helps the underwriter gauge how much the vehicles are on the road. A best estimate is fine for a new venture.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_radius", "label": "Typical trip distance", "question": "How far do your trips typically go from your base?", "help": "Driving radius is one of the main rating factors on a commercial auto policy.", "type": "pillset", "options": [ "Mostly local (within about 25 miles)", "Regional (up to about 50 miles)", "Longer trips (more than 50 miles)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_interstate", "label": "Out-of-state trips", "question": "Will any trips cross state lines, even occasionally?", "help": "Interstate trips can require federal filings and change how the policy is set up, so carriers ask even when the trips are rare.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_contracts", "label": "Broker and facility contracts", "question": "Do you have, or are you applying for, contracts with transportation brokers or facilities (for example AHCCCS/Medicaid brokers, hospitals, nursing homes, dialysis centers, or behavioral health facilities)?", "help": "Broker and facility contracts usually specify the auto liability limit and certificate wording they require, so the underwriter can take those requirements into account when putting the quote together.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_driver_employment", "label": "How drivers are classified", "question": "Will your drivers be W-2 employees, 1099 independent contractors, or a mix?", "help": "Carriers ask how drivers are classified because it affects how the policy is set up and whether workers compensation applies.", "type": "pillset", "options": [ "W-2 employees", "1099 independent contractors", "A mix of both", "Just me for now" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_driver_vetting", "label": "Driver screening and training", "question": "Which of these are part of hiring and managing your drivers? Select all that apply.", "help": "Underwriters look for basic driver screening on passenger transport risks. If some of these are not in place yet, that is fine to say; it helps set expectations with the carrier.", "type": "multichips", "options": [ "Motor vehicle record (MVR) check before hire", "MVR re-checks at least annually", "Criminal background checks", "Drug and alcohol screening", "A written driver training program", "None of these yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_wheelchair_securement", "label": "Securement and passenger assistance training", "question": "Are drivers trained on wheelchair securement and safe passenger assistance?", "help": "Wheelchair securement is one of the most common sources of passenger injury claims in this business, so carriers ask specifically about training.", "type": "pillset", "options": [ "Yes", "Not yet, training is planned", "Not applicable, no wheelchair or stretcher passengers" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_personal_vehicles", "label": "Drivers using their own cars", "question": "Will any driver ever use their own personal vehicle to transport clients?", "help": "Carriers ask about personal vehicles used for client transport because it changes how the policy needs to be set up, so it is important to flag up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_hired_vehicles", "label": "Rented or borrowed vehicles", "question": "Other than the vehicles you listed earlier, will you ever rent or borrow a vehicle for the business, for example a short-term rental while a van is in the shop?", "help": "Carriers ask separately about rented or borrowed vehicles, so the underwriter needs to know if this applies.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_overnight_parking", "label": "Overnight vehicle parking", "question": "Where will the vehicles be parked overnight?", "help": "The overnight garaging location is listed for each vehicle on the application and affects rating.", "type": "pillset", "options": [ "At the business address", "At drivers' homes", "A mix of both" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "nemt_family_drivers", "label": "Other people driving the vehicles", "question": "Will anyone other than your drivers, such as family members, ever drive the business vehicles?", "help": "Carriers ask who has access to the vehicles so every regular driver can be listed on the application.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.26.items", "title": "Mobile Home Park / Campground Specific Questions", "scope": "Mobile Home Park / Campground Specific Questions", "handoff": false, "questions": [ { "key": "mhpark_operation_type", "label": "Park / Campground Type", "question": "What type of operation is this? (Select all that apply.) Permanent / mobile home park; RV park; Campground / tent.", "help": "", "type": "multichips", "options": [ "Permanent / mobile home park", "RV park", "Campground / tent" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_permanent_spaces", "label": "Number of Permanent Spaces", "question": "How many permanent (mobile home / manufactured home) spaces are there?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_tourist_spaces", "label": "Number of RV / Camping Spaces", "question": "How many RV and tent / camping (tourist) spaces are there?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_seasonal_pct", "label": "Percentage Seasonal", "question": "What percentage of the spaces are seasonal (not occupied year-round)?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_units_rented", "label": "Owner-Rented Units", "question": "Do you own any of the mobile homes or dwellings on the property and rent them to residents? (If yes, how many?)", "help": "Homes you own and rent out add a landlord/dwelling exposure the carrier rates separately from the ground lease.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_operating_season", "label": "Operating Season", "question": "What is your operating season? For example 'open year-round' or 'April to October'.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_total_acres", "label": "Total Acres", "question": "What is the total acreage occupied by the park, RV park, or campground?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_amenities", "label": "Amenities & Recreational Facilities", "question": "Which of the following are on the property? (Select all that apply.) Sports courts; Bathing beaches; Bicycle trails; Boat rentals; Boat docks; Boat ramps; Clubhouse; Convenience or grocery store; Garbage dump; Horse trails; Lake or pond; Lake or pond formed by a dam; Laundromat; Lodging or cabins; Parks or green space; Playgrounds; Private well; Riding arenas; Saddle animals; Saunas; Shooting range; Short-term special events; Spas or hot tubs; Stables; Swimming or wading pools; Ice skating rink; Recreational vehicle rentals; Vending machines; Propane sales; Waterworks; Former landfill; Primitive camping.", "help": "", "type": "multichips", "options": [ "Sports courts", "Bathing beaches", "Bicycle trails", "Boat rentals", "Boat docks", "Boat ramps", "Clubhouse", "Convenience or grocery store", "Garbage dump", "Horse trails", "Lake or pond", "Lake or pond formed by a dam", "Laundromat", "Lodging or cabins", "Parks or green space", "Playgrounds", "Private well", "Riding arenas", "Saddle animals", "Saunas", "Shooting range", "Short-term special events", "Spas or hot tubs", "Stables", "Swimming or wading pools", "Ice skating rink", "Recreational vehicle rentals", "Vending machines", "Propane sales", "Waterworks", "Former landfill", "Primitive camping", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_security_guards", "label": "Security Guards", "question": "Do you provide security guards at the property? (If yes: how many, are they armed or unarmed, and are they your own employees or an outside guard service?)", "help": "Armed guards are a materially different exposure, and using an outside service shifts whether we need a certificate of insurance from them.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_rental_smoke_detectors", "label": "Rental Units Have Smoke Detectors?", "question": "If you rent mobile homes or dwellings to residents, do those units have smoke detectors? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_monthly_lot_rent", "label": "Average Monthly Lot Rent", "question": "What is the average monthly lot rental fee per permanent space?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_temp_space_rate", "label": "RV / Campground Space Rate", "question": "What is the average fee for a temporary RV / campground space (give the daily and/or weekly rate)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_mobile_home_rent", "label": "Owned Mobile Home Rent", "question": "If you rent out mobile homes you own, what is the average monthly rent charged?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_dwelling_rent", "label": "Owned Dwelling Rent", "question": "If you rent out dwellings you own, what is the average monthly rent charged?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_amenity_details", "label": "Recreational Facility Details", "question": "Describe any recreational facilities or operations that need explanation (for example shooting range type, boats, horse / saddle operations, short-term special events, or equipment you rent to guests).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_pool_indoor_count", "label": "Indoor Pools", "question": "If you have swimming or wading pools, how many are indoor?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_pool_outdoor_count", "label": "Outdoor Pools", "question": "If you have swimming or wading pools, how many are outdoor?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_pool_construction", "label": "Pool Construction", "question": "Are the pools in-ground or above-ground? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "In-ground", "Above-ground", "Not applicable (no pools)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_pool_diving", "label": "Diving Boards / Slides", "question": "Are there any diving boards, slides, or diving platforms at the pool? (If yes, please describe.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_pool_safety", "label": "Pool Safety Features", "question": "Which pool safety features are in place? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Fenced with self-latching gate", "Swimming rules posted", "Life-safety / rescue equipment at poolside", "Certified lifeguard on duty", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_road_maintenance", "label": "Park Maintains Roads?", "question": "Is the park responsible for maintenance of the streets and roads on the property? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_security_service", "label": "Outside Guard Service COI", "question": "If the security guards are provided by an outside service, are certificates of insurance required, and what minimum limits? (Leave blank if you employ your own guards or use none.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_sewer_type", "label": "Sewer Type", "question": "Is the park on city sewer or septic?", "help": "", "type": "pillset", "options": [ "City sewer", "Septic" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_septic_service", "label": "Septic Maintenance", "question": "If on septic: who maintains and treats the system, and how often?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_septic_problems", "label": "Septic Problems (5 yrs)", "question": "Any history of problems with the septic system in the past five years, such as backups? (If yes, please describe the problem and what was done to prevent it.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_sewer_lift_station", "label": "Sewer Lift Station / Pump", "question": "Does the flow of sewage require a sewer lift station or pump? (If yes, what happens if that system fails?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_own_sewer_plant", "label": "Own Sewer Treatment Plant?", "question": "Does the park have its own sewer treatment plant? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_sewage_disposal", "label": "Disposal Facilities?", "question": "Are there sewage disposal facilities? (If yes, how often is the tank emptied, and who disposes of the sewage and where?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_gas_lines_owned", "label": "Park Owns Gas Lines?", "question": "Are the gas lines owned by the park? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_gas_compliance", "label": "Gas System Compliance", "question": "If the park owns the gas lines, which of the following apply? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "In compliance with the Federal Pipeline Safety Act", "Gas system maps available and used", "Neither of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_water_source", "label": "Water Source", "question": "Is water supplied by the city or by a well on the premises?", "help": "", "type": "pillset", "options": [ "City water", "Well on premises" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_water_treated", "label": "Park-Supplied Water Treated?", "question": "If water is supplied by the park, is it treated? (If yes, by whom and how often?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_water_state_tested", "label": "State Tests Water Annually?", "question": "Does the state test the water annually? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_manager_onsite", "label": "On-Site Owner / Manager?", "question": "Is the owner or manager located on site? (If yes, what hours are they available to residents?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_independent_mgmt", "label": "Independent Management Company?", "question": "Is the park operated by an independent management company? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_leases_and_rules", "label": "Leases & Rules to Residents", "question": "Which of the following do you provide to residents? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Signed leases available to residents", "Written rules / regulations provided to residents", "Neither of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_animals_allowed", "label": "Animals Allowed?", "question": "Are renters or campers allowed to have animals? (If yes, what restrictions apply, for example breed or size limits?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_construction_planned", "label": "Ongoing / Planned Construction?", "question": "Is there any ongoing or planned future construction on the property? (If yes, please describe.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_other_ventures", "label": "Other Ventures Not Covered?", "question": "Do you have any other business ventures for which coverage is not being requested? (If yes, please explain and say where.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "mhpark_flood_zone", "label": "Flood Exposure", "question": "Is any part of the property in a flood zone or subject to flooding from a nearby river, lake, or wash?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.27.items", "title": "Property Management Specific Questions", "scope": "Property Management Specific Questions", "handoff": false, "questions": [ { "key": "pm_property_types", "label": "Types of property managed", "question": "What types of property do you manage? Select all that apply.", "help": "The mix of residential, commercial, and association property changes which carriers will write the risk and how it is rated.", "type": "multichips", "options": [ "Residential (single-family or small multi-family)", "Apartment buildings", "Condo or homeowners associations (HOA)", "Commercial (retail, office)", "Industrial or warehouse", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pm_units_managed", "label": "Units (doors) managed", "question": "Roughly how many units (doors) do you manage in total? Your best estimate is fine.", "help": "The number of doors under management is one of the main rating factors for a property manager's coverage.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pm_real_estate_services", "label": "Real estate agent services", "question": "Does your business provide any real estate agent services? (Yes/No)", "help": "Real estate brokerage is a separate professional exposure from property management, so carriers ask about it up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pm_ancillary_services", "label": "Other services provided", "question": "Does your business provide any of the following services? Select all that apply.", "help": "Some of these are higher-hazard or separately rated services, so flagging them helps match you to the right carrier.", "type": "multichips", "options": [ "Construction or remodeling", "General contracting", "Home inspector", "Insurance agent/broker", "Janitorial or cleaning", "Landscaping or lawn care", "Mortgage banker/broker", "Property developer or builder", "Property preservation", "Real estate appraiser", "Title agent/abstractor", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pm_manages_hotel_healthcare", "label": "Hotel or health care properties", "question": "Does your business manage any hotel properties or health care facilities? (Yes/No)", "help": "Hospitality and health care properties carry a materially higher liability exposure and are often quoted separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pm_construction_projects", "label": "Construction / renovation projects", "question": "Does your business manage or implement any construction, renovation, or reconstruction projects on the properties you manage? This does not apply to oversight of routine maintenance. (Yes/No)", "help": "Overseeing construction or renovation adds a contracting exposure beyond routine property management, which changes how the policy is written.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pm_tenant_credit_checks", "label": "Tenant credit checks", "question": "Does your business conduct credit checks on prospective tenants? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "pm_credit_check_consent", "label": "Tenant credit-check consent", "question": "Does your business obtain a consent form, or advise prospective tenants, that their credit will be checked? (Yes/No)", "help": "Getting tenant consent before pulling credit is a basic FCRA safeguard, so carriers ask about it when credit checks are run.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.28.items", "title": "Lessor's Risk Specific Questions", "scope": "Lessor's Risk Specific Questions", "handoff": false, "questions": [ { "key": "lro_acquisition", "label": "Own or purchasing", "question": "Do you already own this property, or are you purchasing it now (under contract or closing soon)?", "help": "A purchase is quoted to begin at closing, and questions about leases and tenant insurance are answered as what you'll require once you own it. A property you already own is quoted on its current tenants and practices.", "type": "pillset", "options": [ "I already own it", "Purchasing now (under contract / closing soon)" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_closing_date", "label": "Purchase closing date", "question": "When is the purchase expected to close?", "help": "The expected date helps identify your requested coverage start date. Your lender may have specific insurance requirements; submitting this form does not bind coverage.", "type": "date", "options": [], "required": true, "show_if": "Own or purchasing starts with Purchasing", "coverage_lines": [] }, { "key": "lro_named_insured", "label": "Primary named insured", "question": "What is the exact legal name that should appear on the policy as the primary named insured, that is, the entity that owns the property? If the property is held in a different entity than the business name you gave earlier (for example a separate property-holding LLC), enter that exact name here.", "help": "The named insured is who the policy protects. For a lessor's risk policy it should be the entity that holds title to the building, which is often a different LLC than any operating business.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_additional_locations", "label": "Other buildings or locations", "question": "Do you own other buildings or locations that need coverage, whether under this account or a separate policy? For each, list the address, the entity that holds title, and how tenants use the space. Write None if this is the only location.", "help": "Commercial landlords often hold several buildings across different entities, and each location is rated and scheduled separately, so listing them lets us sort each one to the policy and carrier that fits it.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_parking_lot", "label": "Parking lot", "question": "Does the property include a parking lot? (Yes / No / Not sure)", "help": "", "type": "pillset", "options": [ "Yes", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_prior_claims", "label": "Prior property claims", "question": "Has this rental property had any insurance claims or losses in the past 5 years? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_claim_count", "label": "Number of claims", "question": "If you reported claims or losses, how many were there? (1 / 2 / 3 / 4 or more)", "help": "", "type": "pillset", "options": [ "1", "2", "3", "4 or more" ], "required": true, "show_if": "Prior property claims starts with Yes", "coverage_lines": [] }, { "key": "lro_claim_total_value", "label": "Total amount paid for the claim", "question": "If there was one claim, about how much was paid on that claim in total? An estimate is fine.", "help": "", "type": "money", "options": [], "required": true, "show_if": "Number of claims is 1", "coverage_lines": [] }, { "key": "lro_claim_rows", "label": "Claim dates and amounts", "question": "If there were two or more claims, list each claim's date and about how much was paid. An estimate is fine for each amount.", "help": "", "type": "rows", "options": [], "required": false, "show_if": "Number of claims is one of: 2; 3; 4 or more", "coverage_lines": [] }, { "key": "lro_loss_runs", "label": "Upload your loss runs (optional)", "question": "Loss runs are a report from your insurance company that lists claims filed on your policy over the past several years, including dates and amounts paid. Uploading now is optional. Carriers often ask for loss runs before a policy can be bound, so we will likely need them later. Having them now can help make your quote more accurate. You can request loss runs from your current insurance company or from your insurance agent or broker.", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "Prior property claims starts with Yes", "coverage_lines": [] }, { "key": "lro_building_sqft", "label": "Total Building Square Footage", "question": "What is the total building square footage at this location?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_parking_lot_sqft", "label": "Parking Lot Square Footage", "question": "What is the total square footage of the parking lot?", "help": "Parking areas carry their own slip-and-fall and auto exposure that's rated separately from the building itself.", "type": "line", "options": [], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] }, { "key": "lro_stories", "label": "Number of Stories", "question": "How many stories does the building have?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_operations", "label": "Tenant Names & Operations", "question": "Please list the names of all tenants and the type of business each operates (e.g., retail, office).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_applicant_occupies", "label": "Applicant Occupies Premises?", "question": "Does the applicant (property owner) operate a business out of any part of the premises?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_applicant_occupies_sqft", "label": "Applicant-Occupied Square Footage", "question": "If the applicant occupies part of the premises, how many square feet do they use?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_applicant_occupies_description", "label": "Applicant Operations Description", "question": "Briefly describe the operations the applicant runs out of that space.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_applicant_tenant_connection", "label": "Connection to Tenant Operations?", "question": "Does the applicant have any ownership interest or other connection to any tenant's business operations?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_lease_agreement", "label": "Lease Agreement in Place?", "question": "Does the applicant have a written lease agreement (including a hold-harmless clause) with each commercial tenant? If you are purchasing the property, answer for what will be in place at closing.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_required_cgl", "label": "Tenants Required to Carry CGL?", "question": "Does (or, if you are purchasing, will) the lease agreement require each tenant to maintain commercial general liability insurance, including coverage for damage to premises rented to them?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_names_ai", "label": "Tenant Names Applicant as AI?", "question": "Is the tenant required to name the applicant as an additional insured on the tenant's own policy? If you are purchasing, answer for what your leases will require.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_obtain_coi", "label": "Applicant Obtains COIs?", "question": "Does the applicant obtain certificates of insurance from tenants? If you are purchasing, answer whether you will require them once you own the property.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_coi_on_file", "label": "COIs Kept on File?", "question": "Are the certificates of insurance kept on file, signed by the tenant? If you are purchasing, answer for the practice you will follow.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_maintenance_responsible", "label": "Maintenance Responsibility", "question": "Who maintains the premises? Choose one: The applicant; The tenants; Split between both; An outside management company.", "help": "", "type": "pillset", "options": [ "The applicant", "The tenants", "Split between both", "An outside management company" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_snow_removal_responsible", "label": "Snow/Ice Removal Responsibility", "question": "Who handles ice and snow removal? Choose one: The applicant; The tenants; An outside contractor; Not applicable in this climate.", "help": "", "type": "pillset", "options": [ "The applicant", "The tenants", "An outside contractor", "Not applicable in this climate" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_subcontract_cost", "label": "Subcontracted Maintenance Cost", "question": "If independent contractors handle maintenance or repairs, roughly how much do you pay them per year?", "help": "This shifts how the risk is rated, and it decides whether a certificate of insurance is needed from those contractors.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_contractor_coi_obtained", "label": "Contractor COI Obtained?", "question": "If independent contractors are used for maintenance or repairs, is a certificate of insurance obtained from them?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_units_vacant", "label": "Any Vacant Units?", "question": "Are any units at the property currently vacant?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_security_guards", "label": "Applicant Provides Security Guards?", "question": "Does the applicant provide security guards at the property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_guard_type", "label": "Guard Employment Type", "question": "If security guards are provided, are they the applicant's employees or independent contractors?", "help": "", "type": "multichips", "options": [ "Employees", "Independent Contractors" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_guard_armed_unarmed", "label": "Guard Armed or Unarmed?", "question": "Are the security guards you provide armed or unarmed?", "help": "Armed guards are a materially different exposure, and some carriers decline to write them at all.", "type": "pillset", "options": [ "Armed", "Unarmed" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_guard_named_ai", "label": "Guard Contractor Names Applicant as AI?", "question": "If the guards are independent contractors, does their company name the applicant as an additional insured?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_guard_coi_obtained", "label": "Guard Contractor COI Obtained?", "question": "If the guards are independent contractors, is a certificate of insurance obtained from their company?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_security_guards", "label": "Tenants Provide Security Guards?", "question": "Do any tenants provide their own security guards at the property?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_guard_armed_unarmed", "label": "Tenant Guard Armed or Unarmed?", "question": "If a tenant provides its own security guards, are they armed or unarmed?", "help": "", "type": "pillset", "options": [ "Armed", "Unarmed" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_dangerous_exposure", "label": "Tenants with Dangerous Exposure?", "question": "Do any tenants have an inherently dangerous exposure, such as storage or handling of explosive materials?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_pollution_exposure", "label": "Tenants with Pollution Exposure?", "question": "Do any tenants have a pollution exposure, such as storage or handling of hazardous or toxic chemicals?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_cannabis", "label": "Tenants Involved in Cannabis?", "question": "Do any tenants' operations involve cannabis?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_cannabis_type", "label": "Cannabis Operation Type", "question": "If a tenant is involved in cannabis, what type of operation do they run?", "help": "", "type": "multichips", "options": [ "Grower/Cultivator", "Manufacturer/Processor", "Extractor", "Retail/Dispensary", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_cannabis_type_other_detail", "label": "Other Cannabis Operation Type", "question": "If you picked \"Other\" for the cannabis operation type, please describe it.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_cannabis_licensed", "label": "Cannabis Tenant Licensed?", "question": "Is the cannabis tenant properly licensed for this type of operation?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_cannabis_consumption_permitted", "label": "Cannabis Consumption Permitted?", "question": "Is cannabis consumption permitted on the premises?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_tenant_crypto_mining", "label": "Tenants Involved in Crypto Mining?", "question": "Do any tenants' operations involve cryptocurrency mining?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_parking_lot_spaces", "label": "Parking spaces", "question": "About how many parking spaces are in the lot? (optional)", "help": "", "type": "line", "options": [], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] }, { "key": "lro_parking_lot_shared", "label": "Shared parking lot", "question": "Is the parking lot shared with other tenants or properties? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] }, { "key": "lro_parking_lot_special_events", "label": "Special events", "question": "Will the parking lot be used for any special events? (Yes / No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": false, "show_if": "Parking lot is Yes", "coverage_lines": [] }, { "key": "lro_nx_occupancy", "label": "Tenant occupancy types", "question": "Do any of your tenants (current or planned) fall into these categories: residential or mixed-use (apartments / condos); bar, tavern, or nightclub; auto repair or service; adult entertainment; bowling, billiards, trampoline park, or indoor entertainment; check cashing or pawn shop; convenience or grocery store; firearm sales; laundromat; tattoo parlor; theater; tobacco, smoke, vape, or CBD shop; manufacturing; or enclosed mall / large shopping center?", "help": "Some tenant types are rated differently or fall outside the quick online program. Nothing here disqualifies you from coverage. It just decides whether the instant online quote fits; if not, Lee can shop the building for you.", "type": "multichips", "options": [ "Residential or mixed-use (apartments / condos)", "Bar, tavern, or nightclub", "Auto repair or service", "Adult entertainment", "Bowling, billiards, trampoline park, or indoor entertainment", "Check cashing or pawn shop", "Convenience or grocery store", "Firearm sales", "Laundromat", "Tattoo parlor", "Theater", "Tobacco, smoke, vape, or CBD shop", "Manufacturing", "Enclosed mall / large shopping center", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_nx_high_value", "label": "Building value over $2 million", "question": "Do you expect to insure the building for more than $2 million in replacement cost (or is the total insured value, including rents, over $3 million)?", "help": "Larger buildings are quoted through Lee's full markets rather than the quick online program.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_nx_vacancy30", "label": "Vacancy over 30%", "question": "Is more than 30% of the building's rentable space currently vacant?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_nx_old_systems", "label": "Roof / building systems age", "question": "Is the roof more than 30 years old; or, if the building was built more than 30 years ago, have the roof, wiring, plumbing, or heating and cooling gone more than 15 years without an update?", "help": "Every property carrier asks about roof and system updates; older, un-updated buildings are quoted through different markets.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lro_nx_overnight_ops", "label": "Overnight tenant operations", "question": "Do any tenants operate between midnight and 6:00 AM?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.29.items", "title": "Behavioral Health / Assisted Living Specific Questions", "scope": "Behavioral Health / Assisted Living Specific Questions", "handoff": false, "questions": [ { "key": "bh_facility_type", "label": "Facility/Program Type", "question": "What type of facility do you operate: Independent Living Facility, Assisted Living Facility (elderly), Group Home for Developmentally Disabled Adults, Group Home for Mentally Ill Adults, or something else? If other, please describe.", "help": "", "type": "pillset", "options": [ "Independent Living", "Assisted Living (elderly)", "Group Home for Developmentally Disabled Adults", "Group Home for Mentally Ill Adults", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_beds_licensed", "label": "Licensed Beds", "question": "How many licensed beds does the facility have?", "help": "", "type": "line", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_residents_current", "label": "Current Residents", "question": "How many residents currently live at the facility (occupied beds)?", "help": "", "type": "line", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_admission_assessment", "label": "Admission/Readmission Assessment", "question": "Is an in-person assessment performed on all new residents before acceptance, and on returning residents after any absence such as hospitalization, by either you or a qualified third party?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_care_plan_current", "label": "Current Care Plan on File", "question": "Do all residents have a current care plan and physician evaluation on file, dated within the past 12 months?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_dementia_alzheimers_present", "label": "Dementia/Alzheimer's Residents", "question": "Do any residents currently have, or are being evaluated for, dementia or Alzheimer's?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_licensed_no_restrictions", "label": "Licensed Without Restrictions", "question": "Are you currently licensed without conditions or restrictions?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_license_restriction_details", "label": "License Restriction Details", "question": "If not, please provide details about the licensing conditions or restrictions.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_license_number", "label": "License Number", "question": "What is the facility's license number(s)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_license_refused_suspended", "label": "License Refused/Suspended/Revoked", "question": "Has the applicant or any employee ever had a state professional license, or a license to prescribe/dispense narcotics, refused, suspended, revoked, had renewal refused, been accepted only on special terms, or been voluntarily surrendered?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_administrator_name", "label": "Administrator Name", "question": "Who is the Administrator of the facility (please attach a resume)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_staff_resident_ratio", "label": "Staff-to-Resident Ratio", "question": "What is your typical staff-to-resident ratio (e.g., by shift)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_medication_administration", "label": "Medication Administration", "question": "Who administers medication to residents? Choose one: A licensed nurse on staff; Trained staff using a medication administration record; An outside agency or pharmacy service; Residents self-administer; We do not administer medication.", "help": "", "type": "pillset", "options": [ "A licensed nurse on staff", "Trained staff using a medication administration record", "An outside agency or pharmacy service", "Residents self-administer", "We do not administer medication" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_security_measures", "label": "Security/Wander Controls", "question": "What keeps residents from leaving unsupervised, and outsiders from getting in? Select all that apply: Alarmed doors; Keypad or badge locks; Perimeter fencing; Staff monitoring at exits; Video cameras; Wander-alert bracelets; None of these.", "help": "", "type": "multichips", "options": [ "Alarmed doors", "Keypad or badge locks", "Perimeter fencing", "Staff monitoring at exits", "Video cameras", "Wander-alert bracelets", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wander_elopement_history", "label": "Elopement History", "question": "Have any residents eloped (left the premises without staff being aware) in the past 3 years?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wander_elopement_details", "label": "Elopement Details", "question": "If yes, please provide the date(s) and details.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_transports_residents", "label": "Transports Residents", "question": "Do you, your employees, contractors, or volunteers transport residents/patients (e.g., to appointments or outings)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_transports_count_annual", "label": "Annual Resident Transports", "question": "Approximately how many resident/patient transports have occurred in the past 12 months (adults)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_transports_est_adults", "label": "Estimated Adult Transports", "question": "Approximately how many resident/patient transports (adults) do you estimate for the next 12 months?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_transports_actual_minors", "label": "Minor Transports (past 12 mo)", "question": "Approximately how many transports of minors (under age 18) occurred in the past 12 months? Enter 0 if you do not transport minors.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_transports_est_minors", "label": "Estimated Minor Transports", "question": "Approximately how many transports of minors (under 18) do you estimate for the next 12 months? Enter 0 if none.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_driver_mvr_checks", "label": "Driver MVR Checks", "question": "Do you obtain motor vehicle records (MVRs) on all drivers who transport residents, whether using owned, hired, or non-owned autos?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_hnoa_claims_history", "label": "Hired/Non-Owned Auto Claims", "question": "Has any hired & non-owned auto claim ever been made against the firm, its employees, contractors, or volunteers, or are you aware of circumstances that may result in one?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_screening_criminal_bg", "label": "Criminal Background Checks", "question": "Do you obtain, review, verify, and keep on file criminal background checks as part of your hiring/screening process for employees, independent contractors, and volunteers?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_screening_drug_testing", "label": "Drug/HIV/Hepatitis Testing", "question": "Do you obtain, review, verify, and keep on file drug, HIV, or hepatitis testing results as part of your hiring/screening process?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_abuse_policy_written", "label": "Written Sexual Misconduct Policy", "question": "Do you have written guidelines regarding sexual misconduct, including an incident reporting policy and procedure, in place for all employees, independent contractors, and volunteers?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_abuse_policy_agree_implement", "label": "Agree to Implement Misconduct Guidelines", "question": "If you do not currently have written sexual-misconduct guidelines, do you agree to draw up and implement them within 30 days of binding coverage?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_abuse_training_provided", "label": "Sexual Misconduct Training", "question": "Are all employees, independent contractors, and volunteers given initial training on these guidelines before client contact, and refresher training on a regular basis thereafter?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_abuse_training_agree_implement", "label": "Agree to Implement Training Program", "question": "If you do not currently provide initial or refresher misconduct training, do you agree to implement such a training program within 30 days of binding coverage?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_alone_with_minors_private", "label": "Staff Alone with Minors", "question": "Are any employees, independent contractors, or volunteers ever alone with minors behind closed doors or in a private setting?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_abuse_claims_history", "label": "Abuse/Misconduct Claims History", "question": "Has any physical or sexual abuse/misconduct claim, or any other allegation of abuse, ever been made against the firm or its employees, contractors, or volunteers, or are you aware of circumstances that may result in one?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_pl_claims_history", "label": "Professional/General Liability Claims", "question": "Has any claim ever been made against the firm or any of its employees?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_falls_injuries_history", "label": "Falls/Injuries on Premises", "question": "Have there been any falls or injuries on the premises in the past 3 years, under this or a prior owner/administrator?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_falls_injuries_details", "label": "Falls/Injuries Details", "question": "If yes, please provide the date(s) and details.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_screen_prior_claims_history", "label": "Screens for Prior Claims History", "question": "Do you question prospective employees or independent contractors about prior claims or lawsuits against them?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_incident_reporting_policy", "label": "Written Incident Reporting Policy", "question": "Do you have a written incident/occurrence reporting policy and procedures?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_residents_age_0_17", "label": "Residents Age 0-17", "question": "How many current residents are age 0-17?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_residents_age_18_39", "label": "Residents Age 18-39", "question": "How many current residents are age 18-39?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_residents_age_40_65", "label": "Residents Age 40-65", "question": "How many current residents are age 40-65?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_residents_age_66_plus", "label": "Residents Age 66+", "question": "How many current residents are age 66 or older?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_under66_reason_details", "label": "Reason for Under-66 Residents", "question": "If you have residents under 66, briefly explain why they are in this level of care.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_under18", "label": "Accepts Residents Under 18", "question": "Do you ever accept residents under age 18?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_business_startup", "label": "Business is a Startup", "question": "Is this a brand-new business with no operating history?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_business_new_purchase", "label": "Recently Purchased Business", "question": "Did you recently purchase this business/facility from a prior owner?", "help": "The date of purchase affects how much operating history the carrier can underwrite on.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_purchase_date", "label": "Purchase Date", "question": "What date did you purchase the business/facility?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_business_existing", "label": "Established Business", "question": "Has this business/facility been operating under your ownership for some time?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_years_operational", "label": "Years Operational", "question": "If the business is already operating: how many years has the facility been operating under your ownership?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_temp_emergency", "label": "Accepts Temporary/Emergency Placements", "question": "Do you ever accept residents on a temporary or emergency basis?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_temp_emergency_details", "label": "Temporary/Emergency Placement Details", "question": "If yes, please describe the circumstances.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_out_of_scope", "label": "Accepts Residents Outside Normal Scope", "question": "Do you ever accept residents whose care needs are outside your normal scope of services?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_out_of_scope_details", "label": "Out-of-Scope Acceptance Details", "question": "If yes, please describe.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_other_businesses", "label": "Other Businesses at This Location", "question": "Do you operate any other business at this location?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_other_businesses_separate_coverage", "label": "Other Business Separately Insured", "question": "If so, is that other business separately insured?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_administrator_hours", "label": "Administrator's Weekly Hours", "question": "How many hours per week does the Administrator work on-site?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_screening_employment_app", "label": "Screening: Employment Application", "question": "Does your hiring process include a signed employment application?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_screening_licenses_held", "label": "Screening: Licenses Verified", "question": "Do you verify professional licenses held by staff before hire?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_screening_education_training", "label": "Screening: Education/Training Verified", "question": "Do you verify staff education and training credentials before hire?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_screening_multistate_registry", "label": "Screening: Multi-State Registry Check", "question": "Do you check a multi-state abuse/neglect registry as part of hiring?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_continuing_education_required", "label": "Continuing Education Required", "question": "Is ongoing/continuing education required of your care staff?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_job_descriptions_manuals", "label": "Job Descriptions & Manuals", "question": "Do you maintain written job descriptions and policy/procedure manuals for staff?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_required_training_current", "label": "Required Training Current", "question": "Is all staff required training currently up to date?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_resident_agreement_signed", "label": "Resident Agreement Signed", "question": "Does every resident (or their representative) sign a resident agreement?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_assessment_on_file", "label": "Assessment Kept on File", "question": "Is a completed pre-admission assessment kept on file for every resident?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_assessment_covers_all", "label": "Assessment Covers All Required Areas", "question": "Does your pre-admission assessment cover every area the carrier requires (medical, cognitive, behavioral, mobility, and care-needs history)?", "help": "If any area is missing, tell us which so we can flag it to the carrier rather than have it surface at claim time.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_assessment_areas_details", "label": "Missing Assessment Areas", "question": "If not, which area(s) does your assessment not cover?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_prescreen_combative", "label": "Prescreens for Combative Behavior", "question": "Do you screen for a history of combative or aggressive behavior before admission?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_combative", "label": "Accepts Combative Residents", "question": "Do you ever accept residents with a known history of combative behavior?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_combative_details", "label": "Combative-Resident Acceptance Details", "question": "If yes, please describe your safeguards.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_deescalation_trained", "label": "De-escalation Training", "question": "Is staff trained in de-escalation techniques?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_prescreen_suicidal", "label": "Prescreens for Suicidal History", "question": "Do you screen for a history of suicidal ideation or attempts before admission?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_accept_suicidal", "label": "Accepts Residents with Suicidal History", "question": "Do you ever accept residents with a known history of suicidal ideation or attempts?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_reassessment_frequency", "label": "Reassessment Frequency", "question": "How often are residents formally reassessed?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_dementia_stage_counts", "label": "Residents by Dementia/Alzheimer's Stage", "question": "If any residents have dementia/Alzheimer's, how many are at each stage? Format: Stages 1-3: N, Stages 4-5: N, Stage 6: N, Stage 7: N.", "help": "", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wounds_present", "label": "Residents with Wounds/Pressure Ulcers", "question": "Do any current residents have wounds or pressure ulcers?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wound_acquired_counts", "label": "Wound Stage Counts: Acquired Here", "question": "For wounds that developed while in your care, how many residents are at each stage? Format: Stage I: N, Stage II: N, Stage III: N, Stage IV: N.", "help": "", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wound_inherited_counts", "label": "Wound Stage Counts: Present on Admission", "question": "For wounds already present when the resident was admitted, how many residents are at each stage? Format: Stage I: N, Stage II: N, Stage III: N, Stage IV: N.", "help": "", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wound_residents_hospice", "label": "Wound Residents on Hospice", "question": "Are any residents with wounds currently on hospice care?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wound_care_separate", "label": "Wound Care by Separate Provider", "question": "Is wound care provided by a separate licensed provider (e.g. home health, wound-care nurse) rather than your own staff?", "help": "If your own staff perform wound care rather than an outside licensed provider, that's a materially different liability exposure.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_wound_care_details", "label": "Wound Care Arrangement Details", "question": "If not a separate provider, who on your staff provides wound care and what is their training?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_legal_financial_guardian", "label": "Residents with Legal/Financial Guardians", "question": "Do any residents have a court-appointed legal or financial guardian?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_legal_financial_guardian_details", "label": "Guardian Details", "question": "If yes, please describe (how many residents, and how guardianship affects your operations).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_smoke_detectors", "label": "Smoke Detectors Installed", "question": "Are smoke detectors installed throughout the facility?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_fire_alarm", "label": "Fire Alarm System", "question": "Does the facility have a monitored fire alarm system?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_last_inspection_date", "label": "Last State Inspection Date", "question": "What was the date of your most recent state licensing inspection?", "help": "", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_deficiencies_count", "label": "Deficiencies Cited", "question": "How many deficiencies were cited at your last inspection? Enter 0 if none.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_followup_inspection", "label": "Follow-Up Inspection Required", "question": "Did the last inspection require a follow-up inspection?", "help": "", "type": "pillset", "options": [ "Yes", "No", "N/A" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_followup_new_citations", "label": "Follow-Up Found New Citations", "question": "If a follow-up inspection occurred, did it result in any new citations?", "help": "", "type": "pillset", "options": [ "Yes", "No", "N/A" ], "required": true, "show_if": "Follow-Up Inspection Required is Yes", "coverage_lines": [] }, { "key": "bh_corrective_plan_accepted", "label": "Corrective Action Plan Accepted", "question": "Was your corrective action plan accepted by the licensing agency?", "help": "", "type": "pillset", "options": [ "Yes", "No", "N/A" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_complaints_count", "label": "Complaints Filed (past year)", "question": "How many complaints have been filed against the facility in the past year? Enter 0 if none.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_fines_count", "label": "Fines Assessed (past year)", "question": "How many fines have been assessed against the facility in the past year? Enter 0 if none.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_disciplinary_proceedings", "label": "Disciplinary Proceedings", "question": "Is the applicant or any employee currently subject to a licensing disciplinary proceeding?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_criminal_conviction", "label": "Criminal Conviction History", "question": "Has the applicant or any owner/officer ever been convicted of a felony related to resident care?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_pl_declined_cancelled", "label": "Professional Liability Declined/Cancelled", "question": "Has professional liability coverage ever been declined, cancelled, or non-renewed for this business?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_aware_of_circumstances", "label": "Aware of Circumstances That May Result in a Claim", "question": "Are you aware of any circumstances, incidents, or complaints not already described that could result in a claim?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_census_grid", "label": "Resident Census by Care Need", "question": "How many residents currently need each of the following: wheelchair, 2-person/Hoyer lift transfer, bedridden (not hospice), bedridden + hospice, wander/elopement risk, fall risk, tube feeding, ventilator?", "help": "", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_staffing_grid", "label": "Staffing by Shift", "question": "Roughly how many caregiving staff (employees and any independent contractors) do you have on each shift: day, evening, overnight?", "help": "Staffing ratios by shift are a key underwriting factor for resident-supervision risk.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_mgmt_experience_3yr", "label": "Management Experience 3+ Years", "question": "Do you (or your management team) have at least 3 years of experience owning or managing this type of facility? (Yes/No)", "help": "The habitational carrier flags this as a must-answer eligibility item.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_building_count", "label": "Number of Buildings", "question": "How many separate buildings make up the facility?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_building_units", "label": "Number of Dwelling Units", "question": "How many total dwelling units (apartments/rooms) are in the building(s)?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_exterior_covering", "label": "Exterior Wall Covering", "question": "What is the exterior wall covering (e.g. brick veneer, stucco, wood/wood shake, EIFS/Dryvit, vinyl, aluminum)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "bh_recreation_amenities", "label": "On-Site Recreation Amenities", "question": "Which of these are on the property? (Select all that apply.) Swimming pool or spa; Playground; Fitness center; None of these.", "help": "", "type": "multichips", "options": [ "Swimming pool or spa", "Playground", "Fitness center", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.30.items", "title": "Social Services Specific Questions", "scope": "Social Services Specific Questions", "handoff": false, "questions": [ { "key": "socsvc_programs", "label": "Programs & Populations Served", "question": "Which of these programs or client populations does your organization serve? (Select all that apply.) Alcohol/Drug Abuse Rehabilitation; Counseling; Day care; Developmentally Disabled; Head Start; Home Health Care; Mentally Challenged; Physically Disabled; Sheltered workshop; Senior programs; Youth programs.", "help": "This is the core of how the carrier classifies a social-services risk, so listing every program you run gets the quote to the right market the first time.", "type": "multichips", "options": [ "Alcohol/Drug Abuse Rehabilitation", "Counseling", "Day care", "Developmentally Disabled", "Head Start", "Home Health Care", "Mentally Challenged", "Physically Disabled", "Sheltered workshop", "Senior programs", "Youth programs", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_inpatient_beds", "label": "Residential / In-Patient Beds", "question": "Is any part of your operation residential (clients stay overnight)? If yes, how many beds are licensed? Enter 0 if you are entirely non-residential (no overnight stays).", "help": "Residential care is a very different exposure than day/out-patient services, so the number of overnight beds (or zero) is one of the first things the underwriter needs.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_client_age_counts", "label": "Client Ages", "question": "Roughly how many clients do you serve in each age band: under 18, 18-45, 46-65, and over 65? Enter 0 for any band you do not serve.", "help": "Serving minors changes both the abuse/molestation exposure and which carriers will write the risk, so the age mix matters up front.", "type": "counts", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_sex_offenders", "label": "Serves Convicted Sexual Offenders", "question": "Does your facility provide treatment, care, or services for convicted sexual offenders? (Yes/No)", "help": "This is a hard eligibility question for the program; a Yes means this particular market cannot write the risk, so we would need to find a different one.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_transport_clients", "label": "Transports Clients", "question": "Do employees or volunteers ever transport clients in their vehicles? (Yes/No. If yes, how often and how far?)", "help": "Transporting clients in personal vehicles is a hired & non-owned auto exposure that has to be set up deliberately on the policy, so we flag it early.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_background_checks", "label": "Background Checks on Staff & Volunteers", "question": "Do you run criminal background checks (including sexual-abuse and child-abuse offenses) on all employees and volunteers before they start? (Yes/No)", "help": "Background screening on everyone with client contact is one of the biggest factors abuse & molestation carriers look for.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_licensed", "label": "State Licensed", "question": "Is the operation licensed by the state (or another regulator)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_nonprofit", "label": "Non-Profit Organization", "question": "Is the organization a non-profit? (Yes/No; answer No if it is a for-profit business.) If you are interested in board liability, select \"Not-for-profit directors & officers liability (D&O)\" under Coverages to consider.", "help": "Non-profit and for-profit social-services organizations are underwritten and rated differently, so carriers need to know which you are up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_annual_expenditures", "label": "Total Annual Expenditures", "question": "What are your total annual expenditures/expenses?", "help": "Social-services carriers often rate on total annual expenditures rather than revenue, so this is the sizing number they want.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_accredited", "label": "Accredited", "question": "Is the facility accredited? (Yes/No. If yes, who granted the accreditation and on what date?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_complaints", "label": "Licensing-Board Complaints (12 mo)", "question": "In the past 12 months, have any complaints been filed with a licensing board against your facility? (Yes/No; if yes, please explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_license_action", "label": "License Revoked/Suspended (3 yr)", "question": "In the last three years, have any of your licenses been revoked, suspended, or placed under probation? (Yes/No; if yes, please explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_staff_license_action", "label": "Staff License Revoked/Suspended", "question": "Has any staff member ever had their professional license revoked or suspended? (Yes/No; if yes, give the staff member(s), the reason and date, and how long they have been with you.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_outpatient_contacts", "label": "Annual Out-Patient Client Contacts", "question": "If you provide out-patient services (no overnight stays), roughly how many client contacts (client meetings) do you have per year?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_volunteers", "label": "Volunteers", "question": "Do you use volunteers? If so, roughly how many, and do any have direct, unsupervised contact with clients?", "help": "Volunteers with client contact carry the same abuse and injury exposure as staff, so carriers want them counted and screened like employees.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_medical_equipment", "label": "Sells/Rents Medical Equipment", "question": "Do you sell or rent medical equipment to others? (Yes/No; if yes, please explain and give the gross receipts from it.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_medical_director", "label": "Employs a Medical Director", "question": "Do you employ a Medical Director? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_medical_staff", "label": "Staff with Medical Training", "question": "Do any employees hold medical training or a medical degree? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_medical_as_physician", "label": "Staff Act as Physician/Doctor", "question": "If any staff hold medical training, do they provide services in the capacity of a physician or doctor? (Yes/No)", "help": "If your staff act in the capacity of a physician, this program cannot provide the coverage, so a different market would be the fit instead.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_current_pl", "label": "Current Policy Includes Professional Liability", "question": "Does your present policy include professional liability? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_current_am", "label": "Current Policy Includes Abuse & Molestation", "question": "Does your present policy provide abuse & molestation coverage? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_lawsuits", "label": "Lawsuits/Settlements (5 yr)", "question": "Have you had any lawsuits, mediations, arbitrations, or negotiated settlements in the past five years? (Yes/No; if yes, please explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_aware_circumstances", "label": "Aware of Potential Claims", "question": "Are you aware of any circumstances that may give rise to a general-liability or professional-liability claim? (Yes/No; if yes, please explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_reference_checks", "label": "Verifies Employment References", "question": "Do you verify employment-related references on new hires? (Yes/No; if yes, how?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_abuse_training", "label": "Abuse & Molestation Covered at Orientation", "question": "At staff orientation, do you cover abuse and molestation: how to recognize the signs, and what to do if an individual reports being molested? (Yes/No)", "help": "Formal abuse-awareness training at orientation is a control abuse & molestation carriers specifically ask about.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_abuse_incident_knowledge", "label": "Knowledge of a Potential Abuse Allegation", "question": "Do you have knowledge of any incident that could give rise to, or result in, an allegation of sexual abuse? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_abuse_allegation_history", "label": "Prior Sexual-Abuse Allegation", "question": "Has there ever been an allegation of sexual abuse made against the insured? (Yes/No; if yes, please explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "socsvc_am_coverage", "label": "Wants Abuse & Molestation Coverage", "question": "Would you like a quote to include abuse & molestation coverage? (Yes/No)", "help": "Abuse & molestation is the signature exposure for social-services work, so most organizations want it quoted; asking here makes it your call rather than an assumption.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.31.items", "title": "Car Rental & Car Sharing Operations", "scope": "Car Rental & Car Sharing Operations", "handoff": false, "questions": [ { "key": "csr_platforms", "label": "Where you rent or share the vehicles", "question": "How do you rent or share out your vehicles? Select all that apply. (Turo / Getaround / HyreCar or a similar rideshare rental platform / Our own website or direct bookings / A rental counter, lot, or office / Other)", "help": "Each platform provides its own protection plan while a trip is active, and what that plan does generally decides what is left for your own policy to address. Terms vary by platform and by plan.", "type": "multichips", "options": [ "Turo", "Getaround", "HyreCar or a similar rideshare rental platform", "Our own website or direct bookings", "A rental counter, lot, or office", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_platform_plan", "label": "Platform protection plan", "question": "If you use a platform, which protection plan do you carry on it, and roughly what liability limit and physical damage terms does that plan provide? Write Not sure if you do not know.", "help": "Platform protection plans generally apply only while a trip is active, and the limits differ by plan tier. Knowing which plan you carry helps identify what is left between trips, subject to the platform's terms and the policy wording.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_coverage_sought", "label": "What you would like quoted", "question": "What would you like quoted? (Coverage for the vehicles between rentals, when no trip is active / Coverage that applies both during and between rentals / General liability for the business as well / Not sure yet)", "help": "Between-rental coverage and full-time commercial auto are different products in different markets, so telling us which one you have in mind points the quote at the right carriers. If you are not sure, pick Not sure yet and Lee can go over the options with you.", "type": "pillset", "options": [ "Coverage for the vehicles between rentals, when no trip is active", "Coverage that applies both during and between rentals", "General liability for the business as well", "Not sure yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_fleet_count", "label": "Vehicles in the rental fleet", "question": "How many vehicles do you currently rent or share out, and how many do you expect to have in the next 12 months?", "help": "Fleet size is the main rating basis on this class, and it also decides whether the account fits a single-vehicle program or a fleet program.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_operating_history", "label": "How long you have been renting", "question": "How long have you been renting or sharing vehicles, and roughly how many completed rentals have you had?", "help": "Operating history is one of the few track records an underwriter has on this class, so time in operation and completed trip count generally help the submission. A brand-new operation is still quotable; just say so.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_offtrip_activities", "label": "Driving between rentals", "question": "What driving happens when a vehicle is NOT on an active rental? Select all that apply. (Cleaning or detailing / Fueling or charging / Maintenance, service, or inspection / Delivering the vehicle to a renter or picking it back up / Moving vehicles between parking or storage locations / Showing a vehicle to a prospective renter / None, the vehicle is not moved between rentals)", "help": "These trips generally fall outside a platform protection plan, which applies while a trip is active, so they are usually the reason this kind of policy is bought. Listing them is what lets the quote reflect the driving you actually do.", "type": "multichips", "options": [ "Cleaning or detailing", "Fueling or charging", "Maintenance, service, or inspection", "Delivering the vehicle to a renter or picking it back up", "Moving vehicles between parking or storage locations", "Showing a vehicle to a prospective renter", "None, the vehicle is not moved between rentals" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_offtrip_drivers", "label": "Who does that driving", "question": "Who does the between-rental driving? Select all that apply. (You or another owner, member, or partner / Employees / 1099 contractors or helpers / A detailing, cleaning, or transport vendor / Family members / Other)", "help": "Everyone who drives a business vehicle is a rated driver, and carriers order motor vehicle records on the drivers you list. An undisclosed driver is the most common reason a commercial auto claim gets questioned.", "type": "multichips", "options": [ "You or another owner, member, or partner", "Employees", "1099 contractors or helpers", "A detailing, cleaning, or transport vendor", "Family members", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_delivery", "label": "Delivery and pickup", "question": "Do you deliver vehicles to renters, for example to an airport, hotel, or home address, or is it pickup only? If you deliver, roughly how far and how often?", "help": "Delivery puts the miles on you rather than the renter, and airport delivery can also carry access or permit requirements. Distance and frequency are commercial auto rating factors.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_personal_use", "label": "Personal use of the rental vehicles", "question": "Are any of the rental vehicles also driven for personal or family use when they are not rented out? (Yes / No / Sometimes)", "help": "A vehicle that doubles as a personal car carries both a business and a personal exposure, and carriers handle that split differently. An accurate answer keeps the vehicle from being rated as something it is not.", "type": "pillset", "options": [ "Yes", "No", "Sometimes" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_storage", "label": "Where the vehicles are kept", "question": "Where are the vehicles kept between rentals, and how is that location secured? For example a private garage, a driveway, a fenced lot, or airport parking.", "help": "Where a vehicle sits overnight drives the comprehensive (theft and vandalism) part of the rate, and an enclosed or secured location generally rates better than street parking.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_renter_screening", "label": "How renters are screened", "question": "How are renters screened before they take a vehicle? Select all that apply. (The platform's screening only / We check the driver's license ourselves / We run or review a motor vehicle record / We verify the renter's own auto insurance / We require a security deposit or hold / We require a signed rental agreement / Other)", "help": "Renter screening is the main loss control an underwriter can see on this class, and controls beyond the platform's own check generally help the submission.", "type": "multichips", "options": [ "The platform's screening only", "We check the driver's license ourselves", "We run or review a motor vehicle record", "We verify the renter's own auto insurance", "We require a security deposit or hold", "We require a signed rental agreement", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_renter_min_age", "label": "Youngest renter", "question": "What is the youngest age at which you allow someone to rent a vehicle? (18 to 20 / 21 to 24 / 25 or older / We use the platform's minimum / Not sure)", "help": "Young-driver exposure is rated heavily on rental and sharing accounts, and some programs will not write vehicles rented to drivers under 25.", "type": "pillset", "options": [ "18 to 20", "21 to 24", "25 or older", "We use the platform's minimum", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_rideshare_renters", "label": "Renters who drive for rideshare or delivery", "question": "Do you rent or share vehicles to people who use them for rideshare or delivery work, for example Uber, Lyft, DoorDash, or Amazon Flex? (Yes / No / Not sure)", "help": "Renting to a commercial driver is a different exposure from renting to someone on vacation, and several programs exclude it. Knowing this up front keeps your submission out of a market that cannot write it.", "type": "pillset", "options": [ "Yes", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_travel_area", "label": "Where renters may take the vehicles", "question": "Where are renters allowed to take the vehicles? (Arizona only / Arizona and neighboring states / Anywhere in the United States / Into Mexico or Canada as well / No stated limit)", "help": "Radius is a commercial auto rating factor, and travel into Mexico generally needs separate coverage because a United States auto policy is typically not recognized there.", "type": "pillset", "options": [ "Arizona only", "Arizona and neighboring states", "Anywhere in the United States", "Into Mexico or Canada as well", "No stated limit" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_lienholder", "label": "Lenders or lessors on the vehicles", "question": "Are any of the rental vehicles financed or leased? If so, list the lender or lessor for each one, exactly as it should appear on the policy. Write None if they are all owned outright.", "help": "A lender or lessor is generally listed on the policy as a loss payee or additional insured, and physical damage coverage may be required by your loan or lease for as long as it is open.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_telematics", "label": "Tracking and cameras", "question": "Do the vehicles have GPS tracking, telematics, or dash cameras installed? (Yes, on all of them / Yes, on some / No / Planning to add them)", "help": "Tracking helps recover a stolen or unreturned vehicle, and some carriers price for it.", "type": "pillset", "options": [ "Yes, on all of them", "Yes, on some", "No", "Planning to add them" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_maintenance", "label": "Who maintains the vehicles", "question": "Who performs maintenance and repairs on the vehicles: a licensed shop, a mobile mechanic, or you yourself?", "help": "Maintenance records are what a carrier looks at after a mechanical-failure claim, and work done by a licensed shop is generally viewed differently from work done in house.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_premises_customers", "label": "People coming to your location", "question": "Do renters, customers, or vendors ever come to a location you own or lease, for example to pick up a vehicle or to have one cleaned? (Yes / No)", "help": "People coming to your premises is what general liability generally responds to, subject to the policy wording, so this decides whether premises liability belongs in the quote.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_other_services", "label": "Other services you provide", "question": "Besides renting your own vehicles out, do you do any of these? Select all that apply. (Detailing or cleaning other people's vehicles / Vehicle transport or delivery for others / Providing a driver or chauffeur with the vehicle / Selling vehicles / Managing or renting out vehicles owned by other people / None of these)", "help": "Providing a driver with the vehicle is livery rather than rental and is written in a different market. Each of the other services carries its own general liability or garage exposure, so the quote needs to reflect them.", "type": "multichips", "options": [ "Detailing or cleaning other people's vehicles", "Vehicle transport or delivery for others", "Providing a driver or chauffeur with the vehicle", "Selling vehicles", "Managing or renting out vehicles owned by other people", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_contract_requirements", "label": "Coverage anyone requires of you", "question": "Does a platform, lender, lessor, airport, or landlord require you to carry specific coverage or limits? If so, what do they ask for? Attach the requirement if you have it in writing.", "help": "Coverage limits may be required by your lease, contract, or lender, and matching them in the quote avoids a second round after the policy is issued.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "csr_platform_history_upload", "label": "Rental history from the platform", "question": "If you can export a summary of your rental history from the platform (trip count, ratings, any incidents or damage claims), attach it here. This is optional.", "help": "A rental history is the closest thing this class has to loss runs, and a clean one generally helps an underwriter price the account.", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.32.items", "title": "Powersports Rental Operations", "scope": "Powersports Rental Operations", "handoff": false, "questions": [ { "key": "ps_booking_system", "label": "Reservation / booking system", "question": "What reservation or booking system do you use to schedule rentals and excursions? (FareHarbor / Peek / Booking Central / Indexic / RMS / The Flybook / Waverez / No software - phone, email, or in person / Other)", "help": "The carrier asks which booking platform you run on. It helps them gauge how waivers, rental agreements, and scheduling controls are handled.", "type": "pillset", "options": [ "FareHarbor", "Peek", "Booking Central", "Indexic", "RMS", "The Flybook", "Waverez", "No software - phone, email, or in person", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_renter_min_age", "label": "Youngest renter age", "question": "What is the youngest age at which you allow a renter to operate a unit? (15 or younger / 16 / 17 / 18 / 21 / 25 or older)", "help": "How young your youngest operator is directly drives the rate, and some units carry a manufacturer or state minimum operating age.", "type": "pillset", "options": [ "15 or younger", "16", "17", "18", "21", "25 or older" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_renter_max_age", "label": "Oldest renter age", "question": "Is there an oldest age at which you allow renters to operate, or no maximum? (Not applicable or no maximum / 50-84 / 85 or older)", "help": "", "type": "pillset", "options": [ "Not applicable or no maximum", "50-84", "85 or older" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_renter_avg_age", "label": "Average renter age", "question": "On average, how old are your renters? (18 to 44 / 45 or older)", "help": "", "type": "pillset", "options": [ "18 to 44", "45 or older" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_excursion_months", "label": "Months per year running excursions", "question": "During how many months per year do you actively run rentals or excursions?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_brp_experiences", "label": "BRP Experiences status", "question": "Are you a part of BRP Experiences (the Can-Am / Sea-Doo dealer excursion program)? (Not a BRP dealer / BRP dealer, not enrolled in BRP Experiences / Enrolled - not Elite / Silver / Gold / Platinum / Not sure)", "help": "If you don't run the BRP Experiences program, just pick 'Not a BRP dealer.' Enrolled operators can qualify for program-specific pricing.", "type": "pillset", "options": [ "Not a BRP dealer", "BRP dealer, not enrolled in BRP Experiences", "Enrolled - not Elite", "Silver", "Gold", "Platinum", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_other_receipts", "label": "Receipts from non-rental operations", "question": "Roughly what are your gross receipts from operations OTHER than rentals in the coming year (for example guided-tour fees, retail sales, food, or lodging)? Enter an amount, or None if rentals are your only source of income.", "help": "This is only the non-rental portion of your income. Your total projected revenue was captured earlier; this splits out the part that isn't unit rental.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_excursion_length", "label": "Standard excursion length", "question": "On average, how long does a standard excursion last? (30 minutes / 1 hour / 2 hours / 3 hours / 4 hours / 5 to 9 hours, full day / Multi-day, 2 or more days)", "help": "", "type": "pillset", "options": [ "30 minutes", "1 hour", "2 hours", "3 hours", "4 hours", "5 to 9 hours, full day", "Multi-day, 2 or more days" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_excursions_per_week", "label": "Excursions per week at peak", "question": "During peak season, approximately how many excursions do you run per week?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_pct_guided", "label": "Percent guided by staff", "question": "Approximately what percent of your excursions are guided by your staff? (0% - all unguided / 10% / 25% / 50% / 65% / 80% / 95% / 100% - all guided)", "help": "", "type": "pillset", "options": [ "0% - all unguided", "10%", "25%", "50%", "65%", "80%", "95%", "100% - all guided" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_max_units_excursion", "label": "Max units on a single excursion", "question": "At peak capacity, what is the maximum number of units on a single excursion? (1 / Up to 5 / Up to 10 / Up to 20 / Up to 50 / Up to 100)", "help": "", "type": "pillset", "options": [ "1", "Up to 5", "Up to 10", "Up to 20", "Up to 50", "Up to 100" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_max_units_per_guide", "label": "Max units supervised per guide", "question": "At peak capacity, what is the maximum number of units supervised by one guide? (Unguided / Up to 5 / 6 / 7 / Up to 10 / Up to 15 / Up to 20 / Up to 25)", "help": "", "type": "pillset", "options": [ "Unguided", "Up to 5", "6", "7", "Up to 10", "Up to 15", "Up to 20", "Up to 25" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_guide_experience", "label": "Guide experience", "question": "On average, how many years of experience do your guides have? (Unguided / Less than 1 year / 1 year / 2 years / 3 years / 4 years / 5 or more years)", "help": "", "type": "pillset", "options": [ "Unguided", "Less than 1 year", "1 year", "2 years", "3 years", "4 years", "5 or more years" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_ride_zone", "label": "Ride zone", "question": "Which best describes where excursions typically occur? (Guided by our employees / Telematics enforce the route or area / Direct trail access from our premises / Drive off and ride anywhere in an allowed area, such as dunes or public roads / Tow-away - customer trailers the units off-site)", "help": "", "type": "pillset", "options": [ "Guided by our employees", "Telematics enforce the route or area", "Direct trail access from our premises", "Drive off and ride anywhere in an allowed area, such as dunes or public roads", "Tow-away - customer trailers the units off-site" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_customer_access", "label": "How customers access the units", "question": "How do customers access and operate the units? (Drive off from our address / We deliver the units to the renter / Customer tows from our address)", "help": "", "type": "pillset", "options": [ "Drive off from our address", "We deliver the units to the renter", "Customer tows from our address" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_customer_base", "label": "Typical customer base", "question": "How would you describe your typical customer base? (Varies or not sure / Affluent or VIP guests / Families - mixed ages / Local residents / Adventure-focused guests)", "help": "", "type": "pillset", "options": [ "Varies or not sure", "Affluent or VIP guests", "Families - mixed ages", "Local residents", "Adventure-focused guests" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_fleet_units", "label": "Rental fleet", "question": "List each type of unit in your rental fleet. For every unit type, tell us the unit type, manufacturer, top speed, maximum passenger capacity, approximate value, the terrain it is used on, whether it has speed-limiter keys, GPS tracking, and telematics, and how many of that unit you operate.", "help": "This is your fleet schedule. Each unit type and its count is what the carrier rates the physical-damage and liability portions of the quote on.", "type": "rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_excursion_trips", "label": "Trip schedule", "question": "List each distinct excursion or trip you offer. For each one, tell us the vehicle type used, the average number of passengers per unit, whether it is guided or unguided, how long it lasts start to finish, the environment it operates in, whether public roadways are used at any point, and the number of trips you run per year.", "help": "One row per distinct excursion type. If you only rent units and do not run set excursions, you can leave this empty.", "type": "rows", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_fleet_schedule_upload", "label": "Upload a fleet schedule instead", "question": "Prefer to upload a fleet schedule instead of typing each unit? Attach a spreadsheet or PDF here (optional).", "help": "", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_liquor_liability", "label": "Alcohol exposure", "question": "Do you serve, sell, or provide alcohol in connection with your operations or excursions? (Yes / No)", "help": "If alcohol is part of any excursion or event, a separate liquor-liability coverage is usually needed, so flagging it lets Lee build it into the quote.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_guest_protection", "label": "Guest protection plan", "question": "Do you require guests to purchase a damage-protection or guest-protection plan at booking? (Yes - required at every booking / Required, with an optional upgrade / Not currently / Not sure)", "help": "A required guest-protection plan can lower your own loss costs, and some carriers price for it. Optional - skip if you're not sure.", "type": "pillset", "options": [ "Yes - required at every booking", "Required, with an optional upgrade", "Not currently", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_pay_plan", "label": "Preferred payment plan", "question": "If we quote this, which payment plan would you prefer? (Paid in full / Down payment plus monthly installments / Agency bill / No preference)", "help": "Just a preference so we can set the quote up the way you'd want to pay. Lee sets the final terms with the carrier.", "type": "pillset", "options": [ "Paid in full", "Down payment plus monthly installments", "Agency bill", "No preference" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "ps_loss_runs", "label": "Loss runs (claims history)", "question": "If the business has carried insurance before, upload your loss runs (your carrier's claims-history report) here.", "help": "Loss runs are the official claims-history report from your prior carrier. Providing them up front lets the carrier finalize pricing without a delay.", "type": "upload", "options": [ "I'll send it later" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.33.items", "title": "Rental Business Specific Questions", "scope": "Rental Business Specific Questions", "handoff": false, "questions": [ { "key": "rental_items", "label": "What you rent", "question": "What items do you rent out (for example tools, party equipment, tables/chairs, tents, generators)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rental_delivery", "label": "Delivery & setup", "question": "Do you deliver, set up, or operate the equipment for customers, or is it pickup only?", "help": "", "type": "multichips", "options": [ "Delivery", "Setup", "We operate it for the customer", "Pickup only" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rental_value", "label": "Equipment value", "question": "Approximate total replacement value of your rental inventory?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "rental_agreement", "label": "Rental agreement", "question": "Do customers sign a rental agreement with a liability waiver? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.34.items", "title": "Financial Lending Specific Questions", "scope": "Financial Lending Specific Questions", "handoff": false, "questions": [ { "key": "finlend_loan_types", "label": "Loan types and mix", "question": "What types of loans or finance agreements does the business originate, broker, or service (for example residential mortgages, commercial mortgages, consumer installment loans, auto loans, hard-money or bridge loans, business loans)? Roughly what is the mix?", "help": "Underwriters price a lender's E&O by the kind of lending you do - a commercial bridge lender and a consumer auto lender carry very different exposures.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_origination_volume", "label": "Loans originated per year", "question": "About how many loans do you originate yourself in a year, and what is the total dollar volume? (for example, 150 loans, $30,000,000)", "help": "Origination volume is the main size measure on a lender E&O application and sets the rate basis.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_servicing_volume", "label": "Loans serviced per year", "question": "If you service loans yourself, about how many do you service and what is the total dollar volume? (Enter none if you do not service loans.)", "help": "Servicing carries its own errors-and-omissions and escrow-handling exposure, rated separately from origination.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_licenses_in_force", "label": "Lending licenses", "question": "Are all lending licenses required in the states where you operate currently in force? Please list the licenses you hold and your NMLS number if you have one.", "help": "Carriers confirm a lender is properly licensed everywhere it lends before offering E&O - an unlicensed loan is an uninsurable act.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_warehouse_lines", "label": "Warehouse lines of credit", "question": "Do you use a warehouse line of credit or borrow from warehouse lenders to fund loans? If yes, list the warehouse lenders and any loss-payee requirements they impose.", "help": "Warehouse lenders usually require to be named as loss payee, and the arrangement changes both your fidelity-bond and E&O exposure.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_construction_lending", "label": "Construction lending", "question": "Do you make or fund any construction loans? (Yes/No)", "help": "Construction lending is a materially higher-risk category with its own underwriting questions, so carriers need to know up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_bond_coverage", "label": "Fidelity bond / crime coverage", "question": "Along with professional liability (E&O), would you like a quote for a fidelity bond or crime coverage that protects against employee theft and social-engineering fraud? (Yes/No)", "help": "A fidelity bond covers money stolen by an employee or lost to a fraudulent funds-transfer scheme, which a professional liability policy does not.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_subsidiaries", "label": "Subsidiaries to cover", "question": "List any subsidiaries or affiliated companies you want included on the coverage.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_locations_uw_authority", "label": "Locations with underwriting authority", "question": "How many of your locations or branches have authority to underwrite or approve loans?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_ownership_change", "label": "Ownership / management change", "question": "Has there been any change in ownership or senior management in the past three years? (Yes/No; if yes, briefly describe.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_ownership_detail", "label": "Principals owning 10% or more", "question": "List every principal, person, or entity that owns 10% or more of the company (and the parent company, if any), with the ownership percentage for each.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_associations", "label": "Professional associations", "question": "List any professional or industry associations the business belongs to.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_cpa_financials", "label": "CPA-prepared financials", "question": "Are the business's financial statements prepared or audited by a CPA? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_working_capital", "label": "Working capital", "question": "Does the business have sufficient working capital for the next 12 months of operations? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_purchased_volume", "label": "Loans purchased or acquired", "question": "About how many loans or finance agreements do you purchase or acquire per year, and what dollar volume? (Enter none if not applicable.)", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_brokered_volume", "label": "Loans brokered", "question": "About how many loans or finance agreements do you broker to other lenders per year, and what dollar volume? (Enter none if not applicable.)", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_past_due_pct", "label": "Servicing 90+ days past due", "question": "Of the loans you service, what percentage is 90 days or more past due?", "help": "Delinquency in a servicing book drives foreclosure and loss-mitigation errors, a key E&O exposure.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_new_products", "label": "New loan products", "question": "Have you introduced any new loan products in the past 12 months? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_avg_fico", "label": "Average FICO score", "question": "What is the average borrower FICO score for your loans, if applicable?", "help": "A low average FICO signals sub-prime lending, which carriers rate as a higher E&O exposure.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_funding_source", "label": "Source of funds", "question": "Where do the funds for your loans or finance agreements come from (for example your own capital, warehouse lines, investor funds, bank lines)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_qc_procedures", "label": "Quality-control procedures", "question": "Do you have formal written quality-control procedures in place? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_qc_pct", "label": "Loans subject to QC review", "question": "What percentage of your loans or finance agreements are subject to a quality-control review?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_trid_applicable", "label": "TRID applicability", "question": "Does the TILA-RESPA Integrated Disclosure rule (TRID) apply to your company? (Yes/No; if no, briefly explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_trid_compliant", "label": "TRID compliance", "question": "If TRID applies, is the business TRID compliant? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_law_violations", "label": "Lending-law violations", "question": "Do you know of, or have you had reported, any violations of consumer-lending or servicing laws (FDCPA, FCRA, TCPA, TILA, RESPA, ECOA, Dodd-Frank, TRID, or similar)? (Yes/No; if yes, describe the findings, any fines, and corrective measures taken.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_compliance_consultants", "label": "Outside compliance help", "question": "Have you used outside legal services or consultants to implement new regulatory compliance (Dodd-Frank, TRID, or similar)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_regulatory_action", "label": "Regulatory investigation", "question": "Has the business been investigated, audited, or fined by any national or local regulatory agency? (Yes/No; if yes, name the agency, the result, and any corrective actions.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_compliance_officer", "label": "Compliance officer", "question": "Do you have a compliance officer or similar role to confirm compliance with federal, state, and local laws? (Yes/No; if yes, give the person's name or title.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_compliance_software", "label": "Compliance software", "question": "Do you use regulatory compliance software? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_repurchase", "label": "Loan repurchase / indemnity", "question": "Have you ever been required to repurchase or indemnify any loans? (Yes/No; if yes, give the number of loans, dollar volume, details, and any corrective actions.)", "help": "A repurchase demand is a direct financial loss and a leading indicator of E&O claims for lenders.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_license_investigation", "label": "License investigation", "question": "Has the business had, or does it have ongoing, any licensing investigation from a state agency or other authority? (Yes/No; if yes, give full details and the outcome or status.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_fraud_detection", "label": "Fraud detection service", "question": "Do you use a fraud detection service? (Yes/No; if yes, name the software or company.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_borrower_identity", "label": "Borrower identity verification", "question": "Do you have a fraud-guard system or similar procedure to verify borrower identity (for example checking social security numbers)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_dual_controls", "label": "Dual controls", "question": "Do you have dual controls so that no single person can control the entire origination or underwriting process? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_commingle_funds", "label": "Commingling of funds", "question": "Do you commingle investor funds, or other funds that must be segregated by law or by a third party? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_bank_recon", "label": "Bank reconciliation", "question": "Are bank accounts reconciled by someone who is not authorized to deposit or withdraw? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_check_countersign", "label": "Check countersignature", "question": "Is countersignature of checks, including escrow accounts, required? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_monthly_recon", "label": "Monthly reconciliation", "question": "Are all cash, bank, and similar balances reconciled monthly? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_indep_recon", "label": "Independent reconciliation", "question": "Are reconciliations prepared and supervised by someone with no responsibility for cash receipts or disbursements? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_wire_count", "label": "Large wire transfers", "question": "Roughly how many outgoing wire transfers above $5,000 do you make in a year?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_officer_review", "label": "Officer review of reconciliations", "question": "Does an officer with no cash-handling responsibility review all reconciliations and question unusual items? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_out_of_band", "label": "Out-of-band verification", "question": "Do you verify funds-transfer or payment requests using out-of-band authentication (confirming through a different channel, such as a callback to a known number)? (Yes/No)", "help": "Out-of-band verification is the single biggest control against social-engineering wire fraud, so crime underwriters weight it heavily.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_declined_canceled", "label": "Prior declination / cancellation", "question": "Has any insurance been declined or canceled in the past five years (not applicable in Missouri)? (Yes/No; if yes, please explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_industry_complaint", "label": "Industry investigation / complaint", "question": "In the past five years, has the business (or any predecessor, partner, officer, director, or employee) been the subject of an investigation, reprimand, disciplinary action, criticism, or complaint by the FHA, VA, a PMI carrier, any investor, authority, or government agency? (Yes/No; if yes, please explain.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "finlend_known_circumstances", "label": "Known circumstances", "question": "Are you aware of any circumstance, incident, or situation in the past five years that has resulted in, or may result in, a claim against the business or any partner, officer, director, or employee? (Yes/No; if yes, please explain.)", "help": "This is the standard E&O prior-knowledge question - anything known now is excluded from the new policy, so it must be disclosed.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.35.items", "title": "Insurance Agency Specific Questions", "scope": "Insurance Agency Specific Questions", "handoff": false, "questions": [ { "key": "agency_practice_areas", "label": "Areas of practice", "question": "Which areas of insurance do you or your subcontractors place? Select all that apply: Life & Health; Financial Products; Property & Casualty; Other.", "help": "", "type": "multichips", "options": [ "Life & Health", "Financial Products", "Property & Casualty", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_practice_other", "label": "Other types of work", "question": "If you selected Other above, what other types of work do you perform?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_specialty_products", "label": "Specialty products placed", "question": "Do you sell or place any of these specialty products? Select all that apply: Long Haul Trucking; Medical Malpractice; Lawyers Professional Liability; Agribusiness or Crop; Aircraft or Aerospace; None of the above.", "help": "These lines carry higher E&O severity, so flagging them up front helps us match you to a carrier that will write them.", "type": "multichips", "options": [ "Long Haul Trucking", "Medical Malpractice", "Lawyers Professional Liability", "Agribusiness or Crop", "Aircraft or Aerospace", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_professional_services", "label": "Specialized activities", "question": "Do you or your employees perform any of these activities (not counting work you subcontract to others)? Select all that apply: Acting as a countersigning agent for out-of-state agencies; Claims or third party administrator (TPA) work; Acting as a surplus lines broker; Employee benefits design or consulting (not general administration); Facilitating life settlements or other structured transactions; Advising on or managing retirement plans (IRA, 401(k), 403(b) and similar); Acting as a managing general agent (MGA) or in a similar underwriting capacity; None of the above.", "help": "", "type": "multichips", "options": [ "Countersigning agent for out-of-state agencies", "Claims / third party administrator (TPA)", "Surplus lines broker", "Employee benefits design or consulting (not general administration)", "Life settlements or structured transactions", "Retirement plan advice or management (IRA, 401(k), 403(b))", "Managing general agent (MGA) / underwriting", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_special_activities", "label": "Additional activities", "question": "Do you perform any of these activities? Select all that apply: Sell securities not registered with the SEC; Place business with excess and surplus lines carriers; Facilitate premium financing; Perform loss control or risk management consulting; Place business with carriers not rated B+ or better by AM Best or A or better by Demotech; Group benefits administration; None of the above.", "help": "", "type": "multichips", "options": [ "Sell securities not registered with the SEC", "Place excess & surplus lines business", "Facilitate premium financing", "Loss control or risk management consulting", "Place business with carriers below B+ (AM Best) or A (Demotech)", "Group benefits administration", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_eo_active", "label": "Current E&O policy", "question": "If currently insured: do you have an active Errors & Omissions (professional liability) policy?", "help": "E&O renewals are underwritten partly on your current carrier, limits, and retroactive date, so having those ready speeds up the quote and protects your prior-acts coverage.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_coverage_cancelled", "label": "Prior coverage canceled", "question": "In the last 3 years, has any commercial insurance coverage been canceled, revoked, or non-renewed (other than for non-payment or discontinuation of a program)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_additional_businesses", "label": "Additional businesses", "question": "Do you or your employees run any additional businesses?", "help": "Other ventures can create exposures that need to be listed or insured separately, so underwriters ask about them up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_background_disclosures", "label": "Background disclosures", "question": "Has your business, or any of its officers, owners, or partners, had any of the following? Select all that apply: Convicted of a felony in the past 5 years; Declared bankruptcy in the past 3 years; Had business-related lawsuits, mediations, or arbitrations filed against them; None of the above.", "help": "", "type": "multichips", "options": [ "Convicted of a felony in the past 5 years", "Declared bankruptcy in the past 3 years", "Business-related lawsuits, mediations, or arbitrations filed against them", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "agency_subcontractor_payroll", "label": "Subcontractor payroll (next 12 months)", "question": "What is your expected subcontractor payroll for the next 12 months? Include payroll for all cash workers and 1099 contractors.", "help": "Uninsured subcontractor payroll is often added to your rating basis at audit, so estimating it now keeps your quote accurate.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.36.items", "title": "Travel Agency Specific Questions", "scope": "Travel Agency Specific Questions", "handoff": false, "questions": [ { "key": "travel_services_offered", "label": "Services you provide", "question": "What kinds of travel do you book or plan? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "Leisure / vacation travel", "Corporate or business travel", "Cruises", "Group tours", "Destination weddings or honeymoons", "Air-only ticketing", "Hotel or resort bookings", "Travel insurance", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_special_services", "label": "Reward-point bookings, tours, and transportation", "question": "Does your business provide any of the following services? (Select all that apply.)", "help": "Booking travel on reward points the client did not obtain, and operating tours or transportation yourself, are both underwritten differently than a straight agent booking. Carriers ask about them separately.", "type": "multichips", "options": [ "Book travel arrangements using travel reward points the client did not obtain (for example bookings made from points obtained through a travel reward broker)", "Tour operator or transportation", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_largest_customer_pct", "label": "Largest customer share of sales", "question": "During the next 12 months, what percentage of your expected gross sales will you earn from your largest customer?", "help": "Revenue concentrated in one customer is a standard professional-liability rating question: losing or being sued by that account affects the whole business, so carriers price it differently than a spread book.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_international_pct", "label": "International bookings", "question": "Roughly what percentage of your bookings are international travel?", "help": "International itineraries involve foreign suppliers and jurisdictions, which changes how a professional liability claim is handled.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_host_agency", "label": "Host agency or consortium", "question": "Do you work under a host agency or consortium? If yes, which one?", "help": "Some host agencies extend errors and omissions coverage to their independent agents, so knowing the host can change what you actually need to buy.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_accreditation", "label": "Accreditation numbers", "question": "Which travel accreditations do you hold? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "IATA / IATAN", "ARC", "CLIA", "I book under my host agency's accreditation", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_seller_registration", "label": "Seller of travel registration", "question": "Are you registered as a seller of travel in any state (for example California, Florida, Washington, Hawaii, or Iowa)? If yes, which states?", "help": "Several states license sellers of travel and some carriers require the registration to be in place before they will quote.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_client_funds", "label": "Client deposits and payments", "question": "Do you collect client deposits or payments into your own account before remitting them to the airline, cruise line, hotel, or tour operator? If yes, please describe how those funds are held.", "help": "Holding client money before it reaches the supplier creates a fidelity and fiduciary exposure on top of the professional liability, so carriers ask how it is handled.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_eo_active", "label": "Active E&O policy", "question": "If currently insured: do you have an active Errors & Omissions (professional liability) policy?", "help": "E&O is written on a claims-made basis, so your current carrier and retroactive date decide whether your prior work stays covered when you switch.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_tour_description", "label": "Tours you operate", "question": "If you operate tours, packages, or transportation yourself: please describe them, including the destinations and roughly how many travelers per year.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_escorts_clients", "label": "Escorting or leading trips", "question": "Do you or your staff accompany, escort, or lead clients on trips? If yes, please describe your role on the trip.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_owns_vehicles", "label": "Vehicles used to carry clients", "question": "Do you own, lease, or hire any vehicles, boats, or aircraft used to transport clients? If yes, please describe them.", "help": "Carrying clients yourself is an auto or watercraft liability exposure that has to be insured separately from the agency's professional liability.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_adventure_activities", "label": "Adventure or high-hazard activities", "question": "Do the trips you arrange include adventure activities such as diving, climbing, skiing, safaris, or backcountry excursions? If yes, please describe.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_advisory_destinations", "label": "Destinations under travel advisories", "question": "Do you book travel to any destinations currently under a government travel advisory or warning? If yes, which ones?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_written_terms", "label": "Written terms with clients", "question": "Do you use written terms and conditions or a client agreement that spells out supplier responsibility and cancellation terms?", "help": "A written agreement that makes clear you are booking with a supplier, not guaranteeing the supplier, is one of the main defenses in a travel agent claim.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_insurance_offer_documented", "label": "Travel insurance offer documented", "question": "Do you offer travel insurance to every client and document it in writing when a client declines?", "help": "A documented decline is the single most common defense in travel agent E&O claims, so carriers ask about it directly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_supplier_vetting", "label": "Supplier vetting", "question": "How do you choose and vet the suppliers you book (airlines, cruise lines, tour operators, hotels)?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "travel_losses_awareness", "label": "Known complaints, losses, or claims", "question": "Are you aware of any complaints, incidents, losses, or claims that have happened, or that could lead to a claim under the policy? If yes, please describe.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.37.items", "title": "Security Guard / Patrol Service Specific Questions", "scope": "Security Guard / Patrol Service Specific Questions", "handoff": false, "questions": [ { "key": "secguard_services", "label": "Security services provided", "question": "Which services does the business provide? (Select all that apply.) Unarmed guard services; Armed guard services; Mobile / vehicle patrol; Alarm response; Private investigation / detective; Bodyguard / executive protection; Event / crowd security; K-9 units.", "help": "", "type": "multichips", "options": [ "Unarmed guard services", "Armed guard services", "Mobile / vehicle patrol", "Alarm response", "Private investigation / detective", "Bodyguard / executive protection", "Event / crowd security", "K-9 units", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_venues", "label": "Where guards work", "question": "Where do your guards or patrols work? (Select all that apply.) Bars / nightclubs; Construction sites; Retail stores; Apartments / residential; Hospitals / healthcare; Schools; Banks / financial; Government facilities; Special events / concerts; Shopping malls; Warehouses; Airports; Other.", "help": "", "type": "multichips", "options": [ "Bars / nightclubs", "Construction sites", "Retail stores", "Apartments / residential", "Hospitals / healthcare", "Schools", "Banks / financial", "Government facilities", "Special events / concerts", "Shopping malls", "Warehouses", "Airports", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_guards_armed_count", "label": "Number of armed guards", "question": "How many of your guards are armed?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_guards_unarmed_count", "label": "Number of unarmed guards", "question": "How many of your guards are unarmed?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_licensed", "label": "State licensed / certified", "question": "Is the business licensed and/or certified as required by your state to provide security services? (Yes/No)", "help": "Most states require security-guard companies to be licensed; carriers verify this before quoting.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_firearms_certified", "label": "Armed personnel firearms-certified", "question": "If you provide armed guards, are all armed personnel state-certified in the use of firearms? (Yes / No / N/A - no armed guards)", "help": "Armed guards are a materially different exposure and carriers require state firearms certification for every armed officer.", "type": "pillset", "options": [ "Yes", "No", "N/A - no armed guards" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_weapons", "label": "Weapons / defensive tools carried", "question": "Which of the following are guards authorized and trained to carry? (Select all that apply.) Mace; Pepper spray; Night sticks or batons; Stun guns or tasers; Handcuffs or other restraints.", "help": "", "type": "multichips", "options": [ "Mace", "Pepper spray", "Night sticks or batons", "Stun guns or tasers", "Handcuffs or other restraints", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_k9", "label": "Guard dogs / K-9 used", "question": "Do you use dogs (K-9) as part of your operation? (If yes, describe how and where the dogs are used.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_background_checks", "label": "Pre-employment screening", "question": "Do you run background checks and pre-employment screening on all guards before hire? (If yes, briefly describe the process.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_subcontract", "label": "Subcontracted guard work", "question": "Do you subcontract any guard work to other companies? (If yes, what type of work?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_ops_payroll", "label": "Payroll breakdown by operation", "question": "Give us a rough yearly payroll breakdown by the kind of account or job your guards work (for example bars and nightclubs, construction sites, apartments, retail, hospitals). Add a row for each type of operation, pick the category, and enter the armed and/or unarmed payroll for it, matching the armed and unarmed split you gave above. If a category is not listed, add a row and type your own.", "help": "Carriers rate a guard company off payroll, and armed work at a nightclub is priced very differently from an unarmed patrol of an office park. Splitting your payroll by operation and by armed versus unarmed is what lets us get you the right price instead of a worst-case one.", "type": "rows", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_use_of_force", "label": "Use-of-force policy", "question": "Do you have a written use-of-force policy that all guards are trained on? (If yes, briefly summarize it.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_training", "label": "Formal training required", "question": "What training do you require of your guards? Select all that apply: State guard card or license; Firearms certification; De-escalation or conflict training; First aid or CPR; Written post orders; On-the-job training only; No formal requirement.", "help": "", "type": "multichips", "options": [ "State guard card or license", "Firearms certification", "De-escalation or conflict training", "First aid or CPR", "Written post orders", "On-the-job training only", "No formal requirement" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_off_duty_police", "label": "Off-duty police officers", "question": "Do you employ any off-duty police officers? (If yes, how many?)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_other_enterprise", "label": "Affiliated with another business", "question": "Is the business owned by, associated with, or otherwise involved with any other enterprise? (If yes, provide details.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_subcontract_certs", "label": "Subcontractor certificates required", "question": "If you subcontract guard work, do you require certificates of insurance with equal limits from every subcontractor before work begins? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_subcontract_ai", "label": "Subcontractors name you as AI", "question": "If you subcontract guard work, are all subcontractors required to name your business as an additional insured? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "secguard_consulting", "label": "Security consulting work", "question": "Do you perform any security consulting work? (If yes, briefly describe it.)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.38.items", "title": "Temporary Staffing Agency Specific Questions", "scope": "Temporary Staffing Agency Specific Questions", "handoff": false, "questions": [ { "key": "staffing_services", "label": "Staffing services provided", "question": "Which staffing services do you provide? (Select all that apply.)", "help": "Carriers rate and classify a temporary staffing agency, a PEO, a payrolling/EOR firm, and a direct-hire recruiter differently, so the application needs to state exactly which services you offer.", "type": "multichips", "options": [ "Temporary staffing", "PEO (professional employer organization)", "Direct hire / placement", "ASO (administrative services only)", "EOR / payrolling", "VMS / MSP" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_worker_types", "label": "Types of workers placed", "question": "What types of workers do you place with clients? (Select all that apply.)", "help": "The kinds of positions you staff are the single biggest driver of workers compensation class and general liability rating, so this shapes which carriers and prices apply.", "type": "multichips", "options": [ "Administrative / clerical", "Architects / engineers", "Attorneys", "Drivers / transportation", "Financial / accounting", "Light industrial / warehouse / factory", "Heavy industrial", "Construction / skilled labor", "Hospitality", "Teachers / teacher aides", "Healthcare (excluding doctors and dentists)", "Computer / IT", "Security services (unarmed)", "Daycare / nanny" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_corporate_payroll", "label": "In-house (corporate) payroll", "question": "What is your estimated annual payroll for your own in-house corporate/office staff (recruiters, administrators, not the workers you place)?", "help": "Your internal staff payroll is rated separately from the payroll of the workers you place, so carriers ask for the two figures apart.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_placed_payroll", "label": "Placed / temporary employee payroll", "question": "What is your estimated annual payroll for the temporary, contract, or leased employees you place at clients?", "help": "The payroll of the workers you place is the main exposure basis for a staffing agency's workers comp and liability, so an accurate estimate matters most here.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_years_business", "label": "Years in business and staffing experience", "question": "If the business is already operating: how many years has the business operated, and how many years of staffing or industry experience do you have?", "help": "Carriers rate staffing agencies partly on how long the business and its principals have operated in this field.", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_hazard_placements", "label": "Higher-hazard placements", "question": "Do you place workers in any of these higher-hazard roles? (Select all that apply.)", "help": "Placing workers to operate cranes, drive trucks, work on scaffolding, handle hazardous materials, or work on aircraft or watercraft changes the risk sharply, and some carriers exclude these, so we flag them up front.", "type": "multichips", "options": [ "Crane or bulldozer operation", "Truck driving", "Long-haul trucking", "Hazardous materials handling", "Scaffolding erection or assembly", "Aircraft or watercraft", "None of these apply" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_transport", "label": "Transporting placed employees", "question": "Do you transport your placed employees to job sites? (Yes/No; if yes, is it in vehicles the business owns?)", "help": "Transporting workers, especially in company-owned vehicles, creates an auto exposure the underwriter needs to account for.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_driver_screening", "label": "Driver screening for placed drivers", "question": "If you place workers who drive, which of these do you do? (Select all that apply.)", "help": "For any placement that drives, carriers look for motor vehicle record checks at hire, annual re-checks, and driver training before they will quote the auto exposure.", "type": "multichips", "options": [ "Motor vehicle records (MVRs) at hire", "Annual MVR re-checks", "Driver training or evaluation", "Not applicable - we do not place drivers" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_hr_practices", "label": "Employment practices in place", "question": "Which of these employment practices does the business have in place? (Select all that apply.)", "help": "Employment practices liability underwriters look for a standard application, a handbook, at-will language, and written anti-harassment and anti-discrimination policies. Answering honestly, including what is not in place yet, helps set expectations with the carrier.", "type": "multichips", "options": [ "Standard employment application", "Employee handbook", "Documented handbook receipt", "At-will provision", "Written anti-harassment policy", "Written anti-discrimination policy", "Collect or store biometric data", "None of these yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_background_checks", "label": "Criminal background checks", "question": "Do you run criminal background checks on workers before placing them? (Select all that apply.)", "help": "Background screening is a core underwriting control for a staffing agency and affects several coverages, so carriers ask which level of check you perform.", "type": "multichips", "options": [ "National criminal check", "State criminal check", "Local criminal check", "None yet" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_client_contract", "label": "Client service agreement terms", "question": "Does your written client service agreement include all of the following? (Select all that apply.)", "help": "The Berkley/employee-leasing market requires the client contract to confirm workers comp, employers liability, a mutual hold-harmless, and client supervision before it will offer terms, so this asks which are already in your agreement.", "type": "multichips", "options": [ "Employees covered by workers compensation", "Employers liability required", "Mutual hold-harmless", "Client provides supervision and carries workers comp", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_other_business", "label": "Business other than staffing", "question": "Is the business involved in, or does it own an interest in, any business other than staffing? (Yes/No)", "help": "Any non-staffing operation or affiliated entity can bring its own exposures onto the policy, so underwriters ask about it directly.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_licensed_employees", "label": "Employees holding professional licenses", "question": "Do any of the workers you place hold professional licenses or certifications? (Yes/No; if yes, describe)", "help": "Placing licensed professionals (nurses, engineers, accountants, and similar) adds a professional-liability exposure the underwriter needs to size.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_prior_employment_check", "label": "Prior-employment verification", "question": "Do you verify prior employment on all new hires before placing them? (Yes/No)", "help": "Verifying work history is a basic screening control underwriters expect from a staffing agency.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_hr_department", "label": "Human resources department", "question": "Does the business have a human resources department or function? (Yes/No)", "help": "An in-house HR function is a favorable employment-practices control, so carriers ask whether one is in place.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_franchise", "label": "Franchise operations", "question": "Is the business part of, or does it operate, any franchise? (Yes/No)", "help": "Franchise arrangements change how the risk is structured, so underwriters flag them.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_takeover", "label": "Taking over a client's workforce", "question": "Do you, or will you, take over a client's department or another staffing firm's employees and move them onto your payroll? (Yes/No)", "help": "Absorbing an existing workforce brings unknown prior exposures onto your policy, so carriers underwrite it separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_clinical_trials", "label": "Clinical trial placements", "question": "Do you specialize in clinical trial placements, such as recruiting participants or setting up trials? (Yes/No)", "help": "Clinical trial work carries a distinct liability profile that several carriers exclude, so it is a knockout question up front.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_video_game", "label": "Video game developer clients", "question": "Do you place, or will you place, workers with video game developer clients? (Yes/No)", "help": "This is a specific carrier screening question because of the intellectual-property and professional exposures involved.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_healthcare_corrections", "label": "Healthcare placements in corrections or mental health", "question": "Do you make healthcare placements in correctional facilities or mental health institutions? (Yes/No)", "help": "These settings carry a higher abuse and liability exposure, so carriers underwrite them separately.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_cannabis", "label": "Cannabis industry placements", "question": "Do you provide services or place workers in the cannabis industry? (Yes/No)", "help": "Cannabis exposure is excluded or specially underwritten by many carriers, so it is a required screening question.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_coverage_history", "label": "Coverage and claims history", "question": "In the last 5 years, has any insurer declined, cancelled, or non-renewed coverage for the business, or are you aware of any claim, incident, or circumstance that could lead to a claim? (Yes/No; if yes, explain)", "help": "Carriers always ask about adverse insurance history and known circumstances. It does not disqualify you, but disclosing it up front lets us place you with the market that treats your history best.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "staffing_pii", "label": "Sensitive personal information handled", "question": "Which kinds of sensitive personal information does the business collect or store for candidates, clients, or third parties (not counting your own employees)? (Select all that apply.)", "help": "Staffing agencies hold large volumes of personal data, so this drives the optional cyber and privacy portion of the application.", "type": "multichips", "options": [ "Social Security, bank, or driver's license numbers", "Medical or health information (PHI)", "Credit or debit card information" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.39.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "foodtrailer_vv_ops", "label": "Excluded products and operations", "question": "Do any of these apply to your food business: a restaurant, cafe, bakery, or storefront customers walk into (owned or leased); serving or selling alcohol; CBD or hemp products; supplements, energy drinks, kombucha, or weight-loss products; baby food; or importing seafood, meat, or poultry?", "help": "The quick online policy is built for mobile and home-based food businesses. If any of these apply, Lee can quote the business through a different market instead, which avoids a policy that would not pay a claim.", "type": "multichips", "options": [ "Restaurant / cafe / storefront customers walk into", "Serving or selling alcohol", "CBD or hemp products", "Supplements, energy drinks, kombucha, or weight-loss products", "Baby food", "Importing seafood, meat, or poultry", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.40.items", "title": "Medical Spa Specific Questions", "scope": "Medical Spa Specific Questions", "handoff": false, "questions": [ { "key": "medspa_procedures", "label": "Procedures offered", "question": "Which of these procedure categories do you offer? (Select all that apply.) Injectables (Botox, dermal fillers); Laser and IPL treatments; IV therapy or vitamin infusions; Weight management or GLP-1 injections; Body contouring (CoolSculpting, RF, HIFEM); Microneedling, PRP, or PRF; Chemical peels and medical facials; Permanent makeup or microblading; Laser or waxing hair removal; Threads or minor in-office surgical procedures.", "help": "Your procedure mix is the single biggest driver of which carriers will write a medspa and at what price. Injectables, lasers, and any in-office surgical work raise the hazard, so flagging them up front lets us go straight to the right market.", "type": "multichips", "options": [ "Injectables (Botox, dermal fillers)", "Laser and IPL treatments", "IV therapy or vitamin infusions", "Weight management or GLP-1 injections", "Body contouring (CoolSculpting, RF, HIFEM)", "Microneedling, PRP, or PRF", "Chemical peels and medical facials", "Permanent makeup or microblading", "Laser or waxing hair removal", "Threads or minor in-office surgical procedures", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_medical_director", "label": "Medical director / supervising physician", "question": "Who is your medical director or supervising physician? Please give their name and medical license number.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_supervision", "label": "Medical supervision & protocols", "question": "How are treatments medically supervised? Is a physician, NP, or PA on site or on call, and who writes the standing orders and treatment protocols your staff follow?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_staff_credentials", "label": "Staff licensing", "question": "What licenses do your treating staff hold (MD/DO, NP, PA, RN, licensed esthetician, laser technician), and roughly how many of each?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_good_faith_exam", "label": "Good-faith exam before treatment", "question": "Is a physical exam and/or bloodwork required before prescribing medication or performing a treatment? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_consent_forms", "label": "Informed consent", "question": "Are signed consent forms obtained for every procedure, including parental consent for minors? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_tier1_services", "label": "Tier 1 services", "question": "Which of these services do you offer? (Select all that apply.)", "help": "The carrier's application lists services in three groups and asks which ones you offer. Your service mix generally affects which carriers can consider the business and how it is priced.", "type": "multichips", "options": [ "Membership or loyalty programs", "Sound and vibration relaxation therapy", "Custom facials", "Microblading, micro-shading, powder brows", "Waxing, sugaring, and threading", "Vitamin infusion facials", "Gua Sha and contour massage facials", "HydraFacial, Préime DermaFacial, OxyGeneo", "Personalized skincare planning", "Aromatherapy and oxygen bars", "Scalp micropigmentation and areola restoration", "Brow lamination and shaping", "Laser hair removal", "Pigment-control protocols (tranexamic acid, mesotherapy)", "Oxygen or enzyme facials", "Dermaplaning", "AI-based skin analysis", "Paraffin hand and foot therapy", "Lip blushing and permanent eyeliner", "Lash lifts, tints, extensions", "Complexion and pigment correction", "LED light therapies (red, blue, NIR, amber)", "LED-assisted or lymphatic drainage facials", "Microdermabrasion", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_tier2_services", "label": "Tier 2 services", "question": "Which of these services do you offer? (Select all that apply.)", "help": "The carrier's application lists services in three groups and asks which ones you offer. Your service mix generally affects which carriers can consider the business and how it is priced.", "type": "multichips", "options": [ "Chemical peels (TCA, glycolic, salicylic)", "Weight management (GLP-1s, lipotropics)", "Tattoo removal (Q-switch/picosecond laser)", "Laser acne therapy (1450 nm, 1726 nm, 1064 nm)", "HIFEM / EMS muscle-building devices", "IPL and BBL photorejuvenation", "RF microneedling (face, neck, body)", "Non-surgical labial rejuvenation", "Exosome facials and injections", "Kybella / deoxycholic acid (submental or body areas)", "Skin boosters and bio-remodelers (Profhilo, Rejuran, NCTF)", "Microneedling and nano-needling", "Hormone replacement or testosterone optimization", "Photodynamic therapy (ALA + light)", "Lymphatic drainage / compression therapy", "Laser or RF lipolysis (non-invasive)", "HIFU technologies (Ultherapy, Sofwave)", "Picosecond and non-ablative resurfacing", "Microneedling with biologics (PRP, PRF, exosomes)", "PRP, PRF, PRFM injections and facials", "Treatments for facial lines, masseter slimming, platysmal bands, lip flip, hyperhidrosis", "Hyper-dilute CaHA / PLLA for skin tightening", "Cryotherapy / infrared sauna / red-light therapy", "Glutathione and B12 injections", "LED acne treatments (blue/red light)", "Acoustic wave and RF cellulite reduction", "Cryolipolysis (CoolSculpting or equivalents)", "Monopolar or multipolar RF tightening", "CO₂ or Er:YAG laser resurfacing", "Stem-cell-derived growth factor treatments", "Sclerotherapy (reticular and spider veins)", "Botulinum toxin injections", "CaHA, PLLA, and PMMA fillers", "Hyaluronic acid fillers", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_tier3_services", "label": "Tier 3 services", "question": "Which of these services do you offer? (Select all that apply.)", "help": "The carrier's application lists services in three groups and asks which ones you offer. Your service mix generally affects which carriers can consider the business and how it is priced.", "type": "multichips", "options": [ "Micro-lipo / mini-lipo (small-volume)", "Chin or jawline implant adjustments (office-based)", "Scar revision, cyst, or benign lesion excision", "Collagen-stimulating butt lift (injectable or energy-assisted)", "Lower blepharoplasty (in-office)", "Transfer (micro / nano-fat grafting)", "PDO, PLLA, or PLA thread lifts (face, neck, brow, body)", "Lip lift (performed under local anesthesia)", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_num_locations", "label": "Number of locations", "question": "How many locations does the business operate?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_cogs", "label": "Cost of goods sold", "question": "What is your annual cost of goods sold (products and consumables)?", "help": "Express pricing on this program requires annual revenue minus cost of goods sold to be $1,000,000 or less, so the carrier needs both numbers.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_practitioner_count", "label": "Number of practitioners", "question": "How many total practitioners perform treatments at the business?", "help": "", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_annual_visits", "label": "Annual patient visits", "question": "Roughly how many patient visits do you handle per year?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_devices_maintained", "label": "Device maintenance", "question": "Are all devices maintained and serviced regularly per the manufacturer's recommendations? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_practitioners_licensed", "label": "Practitioners licensed & trained", "question": "Are all practitioners properly licensed and trained for the services they perform? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_prescriptions_licensed", "label": "Prescriptions by licensed professional", "question": "Are all prescriptions written by a licensed medical professional, where applicable? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_adverse_event_process", "label": "Adverse-event process", "question": "Do you have a standard written process for handling adverse events and patient complaints? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_health_safety_compliance", "label": "Health & safety compliance", "question": "Do all locations comply with state and local health and safety regulations? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_property_coverage", "label": "Property / equipment coverage", "question": "Do you want property or equipment coverage quoted? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_business_income_limit", "label": "Business income limit", "question": "If you want business income coverage, what limit would you like?", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_epli_interest", "label": "Employment practices liability", "question": "Would you like employment practices liability coverage quoted? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_sam_interest", "label": "Sexual abuse & misconduct coverage", "question": "Would you like sexual abuse and misconduct liability coverage quoted? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_industry_association", "label": "Industry association member", "question": "Are you a member of any industry association? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "medspa_association_names", "label": "Association names", "question": "If yes, which association(s)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.41.items", "title": "Life Sciences Specific Questions", "scope": "Life Sciences Specific Questions", "handoff": false, "questions": [ { "key": "lifesci_product_mix", "label": "Products & Services Mix", "question": "What do you make, sell, or distribute, and roughly what percentage of your revenue comes from each? Categories: pharmaceuticals, generic drugs, biopharmaceuticals, biosimilars, medical devices, contract manufacturing/services, distribution, research, dietary supplements/nutraceuticals, equipment rental, repair/service, other.", "help": "This is the single most important answer for a life-sciences risk. Carriers price products liability by exactly what you make and in what proportion.", "type": "percentage mix", "options": [ "Pharmaceuticals (NDA)", "Generic pharmaceuticals (ANDA)", "Biopharmaceuticals (NDA)", "Biosimilars", "Medical devices", "Contract services", "Distribution", "Research", "Dietary supplements / nutritional", "Equipment rentals / leasing", "Repair / installation / service", "Other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_label_model", "label": "Business Model", "question": "How do you bring products to market? (Select all that apply.) Under your own name / label; Contract manufacturing or services for others; Distribute or resell others' products; Repackage.", "help": "Whether you make your own label, produce for others, or only distribute changes who is liable and how the risk is rated.", "type": "multichips", "options": [ "Under your own name / label", "Contract manufacturing or services for others", "Distribute or resell others' products", "Repackage" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_ingredient_sourcing", "label": "Ingredient & Component Sourcing", "question": "Where do you source your ingredients, components, or finished products, and do you import any? If you import, list the countries of origin.", "help": "Imported ingredients (especially APIs and botanicals) carry supply-chain and adulteration exposure carriers weigh heavily.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_fda_compliance", "label": "FDA / FTC Compliance", "question": "To the best of your knowledge, are you in compliance with FDA (and FTC where applicable, or the foreign-agency equivalent) regulations? Have you received any FDA warning letters or 483 observations, or have any open product recalls? (Yes/No; if any issues, explain.)", "help": "Regulatory standing is the first thing a life-sciences underwriter checks.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_recalls", "label": "Product Recalls", "question": "How many product recalls have you had in the past 3 years, and please describe any Class I recall.", "help": "Recall history is a primary rating and eligibility factor for products liability.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_clinical_trials", "label": "Human Clinical Trials", "question": "Do you conduct or sponsor any human clinical trials? (Yes/No)", "help": "Human clinical trials are a distinct, higher-hazard exposure that needs its own coverage part (HCT).", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_batch_testing", "label": "Batch Testing & Traceability", "question": "Do you batch-test your products and keep records tracing when, where, and by whom each batch was manufactured, and to whom it was sold?", "help": "Batch records let a recall be contained to affected lots instead of your entire catalog, which materially lowers the risk.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_label_review", "label": "Label & Claims Review", "question": "Are your product labels, claims, and advertising reviewed for regulatory compliance before use? (Yes/No; note who reviews them.)", "help": "Non-compliant labels and unsubstantiated health claims are the leading cause of nutraceutical and supplement claims.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_previous_names", "label": "Previous Names", "question": "List any previous names under which you have operated.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_subsidiaries", "label": "Subsidiaries / Acquisitions", "question": "List any acquired companies or subsidiaries.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_trade_org", "label": "Trade Organization", "question": "Are you a member of any trade organization? If yes, which ones?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_rev_domestic", "label": "Domestic Revenue", "question": "Projected current-year domestic revenue.", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_rev_foreign", "label": "Foreign Revenue", "question": "Projected current-year foreign (non-US) revenue.", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_units_sold", "label": "Units Sold", "question": "Projected current-year units sold (drugs / devices).", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_sell_to", "label": "Customers", "question": "What types of business entities do you sell to (e.g. retailers, distributors, hospitals, direct-to-consumer)?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_insurance_declined", "label": "Insurance Declined", "question": "In the past 5 years, has any insurance been declined, cancelled, or nonrenewed? If yes, explain.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_complaints", "label": "Customer Complaints", "question": "Number and details of any customer complaints about your products or services in the past 5 years.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_safety_violation", "label": "Product-Safety Violations", "question": "Have you been in violation of any consumer product safety act or other federal or local legislation? If yes, provide details.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_pharma_types", "label": "Pharmaceutical Types", "question": "If you make pharmaceuticals: describe the types (e.g. active ingredients, injectable, oral, topical, over-the-counter, vaccines, hormones/steroids, blood products) and approximate mix.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_pharma_no_fda_approval", "label": "Products Without FDA Approval", "question": "Any past, present, or planned products without formal FDA marketing approval (e.g. DESI, OTC monograph, drug review)? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_device_fda_reg", "label": "Device FDA Registration", "question": "If you make medical devices: FDA registration number (if applicable).", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_device_detail", "label": "Medical Device Detail", "question": "If you make medical devices: FDA class (I / II / III), device types, and projected sales/units.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_contract_services", "label": "Contract Services", "question": "If you provide contract or outsourced services: describe each type and its projected annual revenue (e.g. manufacturing for others, sterilization, clinical trials, lab, consulting).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_contract_count", "label": "Contracts In Force", "question": "How many service or manufacturing contracts are currently in force?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_contract_clients", "label": "Top Clients", "question": "Top clients: contract size, length, and product/service provided.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_services_discontinued", "label": "Discontinued Services", "question": "Have you discontinued any services in the past 5 years? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_failure_impact", "label": "Failure Impact", "question": "What is the largest financial and business impact on your customers from a failure of any of your products or services?", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_ppo_value", "label": "Others' Property Value", "question": "Projected total value of others' personal property at your facility.", "help": "", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_used_equipment", "label": "Used Equipment", "question": "Do you purchase, sell, or lease used equipment? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_used_equipment_recondition", "label": "Recondition Used Equipment", "question": "If you sell used equipment, do you recondition or repair it before resale? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_repair_install", "label": "Repair / Install", "question": "Do you repair or install any products? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_healthcare_at_site", "label": "Healthcare At Site", "question": "Are any healthcare services performed at your site? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_return_policy", "label": "Return Policy", "question": "Describe your customer return policy.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_vendor_coi", "label": "Vendor Certificates", "question": "Do you obtain certificates of product-liability insurance from your manufacturers and suppliers? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_supp_non_supplement", "label": "Non-Supplement Products", "question": "Name and describe any product you sell that is NOT a dietary supplement as defined by the Dietary Supplement Health and Education Act of 1994 or by the FDA.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_supp_hazard", "label": "High-Hazard Supplement Mix", "question": "Approximate percentage of supplement revenue from weight-loss, body-building/sports-nutrition, and sexual-enhancement/erectile-dysfunction products.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_supp_ingredients", "label": "Flagged Ingredients", "question": "Do any products contain creatine, kava, magnolia, or yohimbe? List product, dosage, and estimated sales.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_supp_ndi", "label": "New Dietary Ingredient", "question": "Has any product ever fit the definition of a new dietary ingredient? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_supp_drug_ingredient", "label": "Drug-Defined Ingredient", "question": "Has any product ever had an active ingredient that would be defined as a drug by a regulatory agency? If yes, which product and ingredient?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_supp_mlm", "label": "Multi-Level Marketing", "question": "Do you sell any of your products through a multi-level marketing system? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_supp_claims", "label": "Health / Structure Claims", "question": "Do any of your products make health or structure/function assertions? If yes, describe and explain how they are substantiated.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_summary", "label": "Trial Summary", "question": "For each trial: product(s), protocol/phase, number of subjects enrolled, and status (planned / ongoing / completed).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_excluded", "label": "Trial Previously Excluded", "question": "Has any human clinical trial been excluded, uninsured, or self-insured from any previous coverage? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_under18", "label": "Trial Subjects Under 18", "question": "Do any clinical trials involve persons under 18? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_pregnant", "label": "Pregnant Trial Subjects", "question": "Do any clinical trials involve pregnant women? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_saer", "label": "Serious Adverse Events", "question": "Have there been any serious adverse events reported (SAER) in connection with your trials? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_death", "label": "Trial Deaths", "question": "Have any trials resulted in death? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_discontinued_safety", "label": "Trial Halted For Safety", "question": "Have any trials involving your product been discontinued or placed on hold for safety reasons? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_inpatient", "label": "In-Patient Facility", "question": "Do you operate an in-patient facility? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_hct_direct_care", "label": "Direct Patient Care", "question": "Do any of your employees provide direct patient care? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_black_box", "label": "Black-Box Warning", "question": "Do any of your products require a black-box warning? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_controlled_substance", "label": "Controlled Substances", "question": "Are you involved in the sale of any controlled substances, or any other products requiring DEA registration? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_off_label", "label": "Off-Label Use", "question": "Do you promote, or are you aware of, any off-label use of your products? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_under18", "label": "Approved For Minors", "question": "Are any products approved for persons under the age of 18? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_discontinued_safety", "label": "Products Discontinued For Safety", "question": "Have any products been discontinued for safety reasons? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_banned", "label": "Banned Products", "question": "Do you have any association with banned products? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_last_fda_inspection", "label": "Last FDA Inspection", "question": "When was your last FDA inspection?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_fda_483", "label": "FDA 483", "question": "Were you issued an FDA 483 form? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_warning_letter", "label": "FDA Warning Letter", "question": "Have you received any warning letters from the FDA? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_rems", "label": "REMS", "question": "Identify any product requiring a Risk Evaluation & Mitigation Strategy (REMS).", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_employees_procedures", "label": "Staff In Procedures", "question": "Are any of your employees or contractors present during patient procedures, surgeries, or examinations? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_reg_gxp_citation", "label": "GxP Citation", "question": "In the past 5 years, have you been cited for non-compliance with any GCP, GLP, GMP, QS, or advertising/promotion guidelines? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_qc_risk_manager", "label": "Risk Manager", "question": "Do you have a risk manager on site? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_qc_program", "label": "Quality-Control Program", "question": "Do you have a formal written quality-control program? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_qc_recall_plan", "label": "Recall Plan", "question": "Do you have a formal product-recall plan? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_qc_material_control", "label": "Material Control", "question": "Describe how you control your materials to assure product purity and safety.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_prem_hazardous", "label": "Hazardous Substances", "question": "Do you keep hazardous substances on site? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_prem_hazardous_gallons", "label": "Hazardous Quantity", "question": "If yes, approximately how many gallons are kept on site?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_prem_biohazard", "label": "Biohazard Rating", "question": "Highest biohazard lab rating (e.g. BSL-1 to BSL-4), if any?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_prem_animals", "label": "Animal Facility", "question": "Do you have an animal facility or house animals? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_prem_infosec", "label": "Information-Security Policy", "question": "Do you have a formalized information-security policy governing access to critical data and systems? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_prem_privacy_policy", "label": "Privacy Policy", "question": "Do you have a formalized privacy policy in place? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lifesci_prem_crisis", "label": "Crisis-Management Team", "question": "Do you have a crisis-management team in place? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.42.items", "title": "Products & Product Liability", "scope": "Products & Product Liability", "handoff": false, "questions": [ { "key": "prodliab_role", "label": "Business role", "question": "Which best describes the business: Retailer, reselling products made by others; Manufacturer; Distributor or wholesaler; Direct importer; Broker, arranging sales without handling the product; or A mix or other?", "help": "Your role in making, importing, or reselling products helps describe the business to the carrier.", "type": "pillset", "options": [ "Retailer, reselling products made by others", "Manufacturer", "Distributor or wholesaler", "Direct importer", "Broker, I arrange sales but never handle the product", "A mix or other" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_products", "label": "Products & end users", "question": "What products do you make or sell, and who typically uses them? Please describe your main product lines and whether they are aimed at consumers, businesses, or both.", "help": "The product itself sets the hazard class. A clear picture of what it is and who uses it lets us describe the risk accurately and avoid coverage disputes later.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_sales_mix", "label": "Foreign sales", "question": "Are any of your products sold outside the United States? If yes, in which countries?", "help": "Foreign sales change the legal landscape a claim can arrive from, so carriers ask for the split and the countries involved.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_sales_history", "label": "Prior-year sales", "question": "For each of the past 4 years, roughly what were your gross sales? Please split U.S. and foreign sales if any products were sold abroad.", "help": "Product liability is rated on sales, and the multi-year picture shows the underwriter how the exposure has grown.", "type": "rows", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_sources", "label": "Products made by others", "question": "Do you sell products made by another business, including products you buy from U.S. wholesalers? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_contract_mfg", "label": "Contract manufacturing", "question": "Does another business make products to your designs or for your own brand? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_install_service", "label": "Install / service / repair", "question": "Do you install, service, repair, or maintain your products after the sale? If yes, roughly what percent of sales does that work represent?", "help": "Completed-operations claims from installation or service work are rated separately from the products themselves.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_qc", "label": "Quality control program", "question": "Do you have a formal written process for checking product quality and testing products you make or sell? (Yes/No)", "help": "Carriers may consider a written quality-control and testing process when evaluating the application.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_recall_plan", "label": "Recall procedure", "question": "Do you have a formal written product recall procedure? (Yes/No)", "help": "A recall plan shows the carrier you can limit how far a defective batch spreads, which matters as much as preventing the defect.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_recalls", "label": "Recalls", "question": "Have you ever recalled a product, or are you considering recalling one now? If yes, please describe.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_foreign_made_pct", "label": "Products made outside the U.S.", "question": "About what share of the products you sell are made outside the U.S.? Your best estimate is fine. If you buy from U.S. wholesalers and do not know, choose Not sure.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_original_packaging", "label": "Original packaging and labels", "question": "Do you sell products in the manufacturer's original packaging with the manufacturer's labels and instructions, without relabeling or repackaging? If no, describe what you change.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_import_direct", "label": "Direct imports", "question": "If you sell products made by someone else: do you directly import any of them? If yes, what are the products and their countries of origin?", "help": "A direct importer is treated by U.S. courts much like the manufacturer, so carriers underwrite imported lines closely.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Products made by others starts with Yes", "coverage_lines": [] }, { "key": "prodliab_supplier_coi", "label": "Supplier certificates of insurance", "question": "Do you obtain certificates of product liability insurance from your manufacturers and suppliers? If yes, what minimum limits do you require?", "help": "A supplier's own product liability coverage is the first line of defense when their product fails; carriers reward distributors who collect certificates.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "prodliab_vendor_ai", "label": "Named as additional insured by suppliers", "question": "Do all suppliers whose products you sell carry product liability insurance that names your business as an additional insured vendor?", "help": "Any vendor additional-insured coverage depends on the supplier's policy wording and insurer approval.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Products made by others starts with Yes", "coverage_lines": [] }, { "key": "prodliab_submfg_agreement", "label": "Written sub-manufacturer agreement", "question": "If someone else manufactures products for you: do you have a formal written agreement with them? (Yes/No)", "help": "A written agreement that addresses product liability is how the carrier knows who stands behind a defect.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_qc_records", "label": "Records retention", "question": "How long do you keep your quality control, testing, and product records?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_product_id", "label": "Product identification", "question": "Could you identify your own product versus a competitor's, for example by serial numbers, branding, labeling, or batch codes? (Yes/No)", "help": "If you can prove a failed product isn't yours, you can walk away from a claim entirely; carriers rate on that traceability.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_records", "label": "Records you keep", "question": "Which of these records do you keep? (Select all that apply.) When and where each product was made; Who bought each product and when it was sold; Which suppliers provided parts or materials; Design changes over time; Advertising and labeling changes over time.", "help": "Each record type is its own underwriting question. The more of the product's paper trail you keep, the easier a claim is to defend, and the better your application looks.", "type": "multichips", "options": [ "When and where each product was made", "Who bought each product and when it was sold", "Which suppliers provided parts or materials", "Design changes over time", "Advertising and labeling changes over time", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_designer", "label": "Who designs the products", "question": "Who designs the products you make or sell, for example your staff, an outside design firm, or the manufacturer? If you buy ready-made products and do not know, choose Not sure.", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_design_review", "label": "Outside design review", "question": "Are your product designs reviewed or tested by anyone outside the design team? If yes, by whom, and what are their credentials?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_label_counsel", "label": "Labels reviewed by counsel", "question": "Has an attorney reviewed the warning labels and instructions for products you make or sell? (Yes/No)", "help": "Carriers may ask whether an attorney has reviewed product warnings and instructions.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_standards", "label": "Government or industry standards", "question": "Do any government rules or industry standards apply to products you make or sell, such as UL, ASTM, FDA, or CPSC rules? If yes, name them and tell us whether you fully comply. If you buy from U.S. wholesalers and do not know, choose Not sure.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_iso_cert", "label": "ISO / QS certification", "question": "Is the business certified under ISO 9002, QS 9000, or a similar quality standard? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_training", "label": "Customer training offered", "question": "Do you offer training to customers on the use of your products? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_training_cert", "label": "Trainees certified", "question": "If you offer training: do you certify the people you train? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_nanotech", "label": "Nanotechnology", "question": "Do any of your products employ nanotechnology, that is, engineered particles at the nanometer scale? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_nanotech_tested", "label": "Nanoparticles embedded", "question": "If nanotechnology is used: are the nanoparticles embedded or fixed so they will not be released from the product? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_acquisitions", "label": "Businesses or product lines acquired", "question": "Have you purchased any businesses or product lines in the last 5 years? If yes, please describe what was acquired and when.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_discontinued", "label": "Discontinued products", "question": "Have you discontinued any products? If yes, describe each discontinued product and its rough historical sales.", "help": "Discontinued products can still produce claims years later, so the carrier prices the tail exposure from past sales.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "prodliab_cpsc", "label": "Regulator complaints or notices", "question": "In the last 3 years, have you had any complaint or notice filed with, or received from, a government agency such as the Consumer Product Safety Commission (CPSC) about any of your products? If yes, please describe.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.43.items", "title": "Distributor / Wholesaler Specific Questions", "scope": "Distributor / Wholesaler Specific Questions", "handoff": false, "questions": [ { "key": "dist_goods", "label": "Goods distributed", "question": "What goods do you distribute or wholesale? Please describe your main product lines, and note whether the goods are new, used, or both.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_operations", "label": "Operations", "question": "Do any of these apply to your operations? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "More than 25% of sales from used goods", "Consignment sales", "Equipment rental (including golf carts)", "Rental or sales of diving equipment", "Rental or sales of firearms, weapons, or ammunition", "Setup or installation of fitness or exercise equipment", "Sales, rental, or repair of paintball guns or supplies", "Paintball gaming operations", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_product_ops", "label": "What you do to the products", "question": "Which of the following do you do to the products you sell? (Select all that apply.)", "help": "Re-labeling, repackaging, assembling, designing, or manufacturing a product moves you up the product-liability chain, so carriers rate those operations differently than pure pass-through distribution.", "type": "multichips", "options": [ "Re-label", "Repackage", "Design (or have designed on my behalf)", "Assemble", "Manufacture (or have manufactured on my behalf)", "None of the above" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_imports", "label": "Direct imports", "question": "Do you directly import any of the goods you sell? If yes, please describe the goods and roughly what percent of your total sales come from imported products.", "help": "When a distributor imports directly, product-liability claims that would normally fall on a U.S. manufacturer can land on you, so carriers ask about it closely.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_dietary_supplements", "label": "Dietary supplements", "question": "Do you sell or distribute any dietary supplements? If yes, roughly what percent of total sales do they represent?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_common_ownership", "label": "Common ownership: the other businesses", "question": "If you hold 50% or more of another business: please list those businesses and note whether their operations are included in this quote or insured elsewhere.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_losses_awareness", "label": "Known losses or incidents", "question": "Are you aware of any accidents, incidents, losses, or claims that have happened, or that could lead to a claim under the policy? If yes, please describe.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_assemble_pct", "label": "Assembly: percent of sales", "question": "If you assemble products: roughly what percent of sales comes from goods you assemble?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_assemble_desc", "label": "Assembly process", "question": "Describe your assembly process, including the tools and equipment used.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_design_pct", "label": "Design: percent of sales", "question": "If you design (or have designed on your behalf) products: roughly what percent of sales comes from those goods?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_design_desc", "label": "Products designed", "question": "Describe the products you design or have designed on your behalf.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_repackage_pct", "label": "Repackaging: percent of sales", "question": "If you repackage products: roughly what percent of sales comes from repackaged goods?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_repackage_instructions", "label": "Changes to instructions", "question": "When you repackage, do you change any instructions or manuals? If yes, describe the changes.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_relabel_pct", "label": "Re-labeling: percent of sales", "question": "If you re-label products: roughly what percent of sales comes from re-labeled goods?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_manufacture_pct", "label": "Manufacturing: percent of sales", "question": "If you manufacture (or have manufactured on your behalf) products: roughly what percent of sales comes from those goods?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_foreign_made_pct", "label": "Distributor products made outside the U.S.", "question": "About what share of the products you sell are made outside the U.S.? Your best estimate is fine. If you buy from U.S. wholesalers and do not know, choose Not sure.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_original_packaging", "label": "Distributor original packaging and labels", "question": "Do you sell products in the manufacturer's original packaging with the manufacturer's labels and instructions, without relabeling or repackaging? If no, describe what you change.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "dist_supplier_vendor_ai", "label": "Distributor U.S. suppliers' vendor endorsement", "question": "Do your U.S. suppliers carry product liability insurance that names your business as an additional insured vendor?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Direct imports is No", "coverage_lines": [] }, { "key": "dist_import_multi_lines", "label": "Multiple imported product lines", "question": "Do you import multiple products or product lines? If yes, roughly what percent of sales come from them?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "dist_import_origin", "label": "Country of origin", "question": "What are the countries of origin for the goods you import? (Select all that apply.)", "help": "", "type": "multichips", "options": [ "EU member state", "Canada", "Japan", "Australia", "New Zealand", "South Korea", "Israel", "China", "Mexico", "Other" ], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "dist_import_total_pct", "label": "Imported goods: percent of total sales", "question": "What percent of your total sales come from imported goods?", "help": "", "type": "line", "options": [], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "dist_import_total_sales", "label": "Imported goods: total annual sales", "question": "What are your total annual sales from imported products?", "help": "", "type": "money", "options": [], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "dist_import_testing", "label": "Product testing to U.S. standards", "question": "Are imported products tested to confirm they meet U.S. standards? If yes, who conducts the testing (your own employee, a U.S.-based contractor, a foreign contractor, the manufacturer, or someone else)?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "dist_import_warnings", "label": "Warnings and instructions provided", "question": "Are warnings, labels, and assembly or operating instructions provided with the imported products? If no, explain why not.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "dist_import_foreign_mfr", "label": "Foreign manufacturer standing", "question": "Which protections do the foreign manufacturers provide for goods you import directly? Select all that you know apply, or choose Not sure.", "help": "Any vendor coverage or supplier agreement depends on its written terms and applicable policy wording.", "type": "multichips", "options": [ "Provides U.S. vendors coverage to wholesalers for all products distributed", "Carries domestic U.S. vendors coverage", "Has a U.S.-domiciled operation or assets in the U.S.", "Has a written contract to add me as additional insured and hold me harmless", "Has a written contract to cover product recall expenses and reimburse me for product-related losses", "Purchase order or verbal agreements only", "None of the above" ], "required": true, "show_if": "Direct imports starts with Yes", "coverage_lines": [] }, { "key": "dist_wind_hail_losses", "label": "Wind / hail losses", "question": "How many wind or hail losses have you had in the last 3 completed policy years plus the current year to date?", "help": "", "type": "line", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.44.items", "title": "Smoke Shop Specific Questions", "scope": "Smoke Shop Specific Questions", "handoff": false, "questions": [ { "key": "smokeshop_prohibited_ops", "label": "Products and operations", "question": "Do you do any of these? Select all that apply: ammunition sales or reloading; fireworks sales; pre-owned cribs, children's furniture, or used children's clothing; mad honey; kratom or products containing kratom; gun sales or repair; tire dealer. Choose 'None of these' if none apply.", "help": "These operations fall outside most smoke-shop carriers' appetite. Flagging any up front lets Lee approach a market that can cover them, rather than a policy that would not respond.", "type": "multichips", "options": [ "Ammunition sales or reloading", "Fireworks sales", "Pre-owned cribs, children's furniture, or used children's clothing", "Mad honey", "Kratom or products containing kratom", "Gun sales or repair", "Tire dealer", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_thc", "label": "Cannabis / THC products", "question": "Do you sell cannabis, or any product containing THC or synthetic THC, including hemp-derived Delta-8? (Yes/No)", "help": "THC and synthetic-THC products are underwritten very differently from ordinary tobacco and vape, and many carriers exclude them, so this is one of the most important answers for placing a smoke shop.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_age_validation", "label": "Age verification", "question": "Do you check and validate the age of every customer? (Yes/No)", "help": "Age verification is a core control for tobacco, vape, and related products, and carriers weigh it heavily.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_onsite_consumption", "label": "Onsite consumption", "question": "Does any onsite consumption take place on the premises, such as a hookah or smoking lounge? (Yes/No)", "help": "On-site smoking or a lounge adds fire and liability exposure that a retail-only shop does not have.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_open_past_midnight", "label": "Late hours", "question": "Are you open past 12:00 AM? (Yes/No)", "help": "Late-night hours raise the risk of theft and after-hours incidents, so carriers factor them into pricing.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_lottery", "label": "Lottery sales", "question": "Do you sell lottery tickets? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_weapon", "label": "Weapon on premises", "question": "Do you keep a weapon on the premises? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_imports_direct", "label": "Direct imports", "question": "Do you directly import any of the products you sell? (Yes/No)", "help": "Importing directly can shift product-liability claims that would normally fall on a U.S. manufacturer onto you, so carriers ask about it closely.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_sells_imported", "label": "Sells imported products", "question": "Do you sell any imported products, whether or not you import them yourself? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_blending", "label": "Blending / mixing / repackaging", "question": "Do you do any blending, mixing, or re-packaging of products, for example mixing your own e-liquid? (Yes/No)", "help": "Physically altering a product moves you up the product-liability chain, so carriers rate it differently than reselling sealed goods.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_own_label", "label": "Own-label products", "question": "Do you sell any products under your own label, or relabel or repackage products as your own brand? (Yes/No)", "help": "Selling under your own brand can make you the product's manufacturer in the eyes of the law, which changes your product-liability exposure.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_storefront", "label": "Storefront", "question": "Is this location a storefront that customers walk into? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_warehouse", "label": "Warehouse on site", "question": "Do you have a warehouse at this location? (Yes/No)", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_parking_lot", "label": "Detached parking lot", "question": "Do you have a parking lot that is not attached to the building? (Yes/No)", "help": "A detached lot you are responsible for adds slip, trip, and fall exposure separate from the store itself.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_habitational", "label": "Habitational exposure", "question": "Does this location have any habitational exposure, such as apartments, dorms, sober living or a halfway house, a nursing home or assisted living, dwellings, a mixed-use building with apartments or condos overhead, a hotel or motel, a shelter, or a short-term rental like Airbnb? (Yes/No)", "help": "Overnight-occupancy exposure at or above your shop changes which carriers can write the risk and how the building is rated.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_renovation", "label": "Planned major renovation", "question": "Are you planning a major renovation during the policy term, meaning structural work or a project that exceeds 20% of the building's value? (Yes/No)", "help": "A major renovation changes the building's risk during construction and may need a mid-term update or a separate builder's-risk policy.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_bi_limit", "label": "Business income limit", "question": "What limit would you like for Business Income with Extra Expense coverage? This replaces lost income and covers extra costs if you have to close temporarily after a covered loss. Enter a limit, or None if you are not sure.", "help": "Business Income with Extra Expense keeps paying your rent, payroll, and lost profit while you recover from a covered shutdown, so the limit should reflect the income you would need to stay afloat.", "type": "money", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_foreign_made_pct", "label": "Smoke shop products made outside the U.S.", "question": "About what share of the products you sell are made outside the U.S.? Your best estimate is fine. If you buy from U.S. wholesalers and do not know, choose Not sure.", "help": "", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_original_packaging", "label": "Smoke shop original packaging and labels", "question": "Do you sell products in the manufacturer's original packaging with the manufacturer's labels and instructions, without relabeling or repackaging? If no, describe what you change.", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "smokeshop_supplier_vendor_ai", "label": "Smoke shop U.S. suppliers' vendor endorsement", "question": "Do your U.S. suppliers carry product liability insurance that names your business as an additional insured vendor?", "help": "", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "Direct imports is No", "coverage_lines": [] }, { "key": "smokeshop_continuous_coverage", "label": "Continuous prior coverage", "question": "Have you had continuous general liability and property coverage in place since the business was established, with no gaps? (Yes/No)", "help": "A gap in past coverage is something carriers ask about. Disclosing it up front lets Lee approach the markets that treat it best.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.45.items", "title": "Salon / Shop Specific Questions", "scope": "Salon / Shop Specific Questions", "handoff": false, "questions": [ { "key": "salon_staff_total", "label": "Stylists / barbers", "question": "How many stylists or barbers work at the shop now, or do you expect to over the next 6 to 12 months?", "help": "Headcount is a rating basis on salon policies, and forward-looking numbers matter because the audit is taken on what the year actually looked like.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "salon_staff_w2", "label": "W-2 employees", "question": "Of those, how many are W-2 employees on your payroll?", "help": "W-2 staff and booth renters are rated differently. Renters generally need their own policy, and an uninsured one can be charged back to yours at audit.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "salon_staff_renters", "label": "Booth / chair renters", "question": "How many are booth or chair renters who run their own books? To be treated as renters rather than your employees, they will generally need to carry their own insurance.", "help": "If a booth or chair renter doesn't carry their own liability coverage, carriers usually treat them as your employee at audit, which adds their pay to your payroll basis and raises your premium. Asking each renter for proof of their own policy keeps them off your policy and counted as a true renter.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "salon_licensed", "label": "Licensing", "question": "Are all stylists and barbers licensed as required by state law? (Yes/No)", "help": "Carriers generally condition salon coverage on properly licensed operators, so an unlicensed stylist can put a claim in dispute.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "salon_stations", "label": "Stations / chairs", "question": "How many stations or chairs does the shop have?", "help": "Station count is the standard size measure for a salon and drives both the liability and the contents figures.", "type": "countslider", "options": [ "None" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "salon_primary_services", "label": "Primary services", "question": "Which of these are among your primary services? Select all that apply: whole body treatments; facials; massage (beyond hand, neck, or foot during a nail service); waxing (beyond the face); aromatherapy; steam room or sauna; none of these.", "help": "The service mix decides the market. Cutting and color sit inside most salon programs, while injectables, laser and body treatments generally move the account to a medical or spa market.", "type": "multichips", "options": [ "Whole body treatments", "Facials", "Massage (beyond nail service)", "Waxing (beyond the face)", "Aromatherapy", "Steam room or sauna", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "salon_specialized_services", "label": "Specialized services", "question": "Do you offer any of these services? Select all that apply: cosmetic manufacturing; cryotherapy; hydrotherapy; colon cleanse procedures; tattooing or tattoo removal; skin injections; laser treatments (hair removal, skin, or fat reduction); intense pulsed light (IPL) therapy; overnight or lodging accommodations; an exercise center with fitness equipment; none of these.", "help": "These higher-hazard services change which carriers will offer coverage, so it helps to flag them up front.", "type": "multichips", "options": [ "Cosmetic manufacturing", "Cryotherapy", "Hydrotherapy", "Colon cleanse procedures", "Tattooing or tattoo removal", "Skin injections", "Laser treatments (hair/skin/fat)", "Intense pulsed light (IPL)", "Overnight / lodging", "Exercise / fitness center", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "salon_product_sales", "label": "Own-label products", "question": "Do you sell any products that you re-label, repackage, or manufacture yourself, rather than reselling them as-is? (Yes/No) If yes, which products (hair care, cosmetics, styling tools, skin care, or other) and please describe.", "help": "Re-labelling or making your own products makes you the manufacturer in the eyes of a products-liability claim, which is a different exposure from reselling a brand as-is.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.46.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "bodywork_vv_ops", "label": "Excluded services", "question": "Do any of your services involve: microblading or permanent makeup; piercings, needles, or anything that punctures the skin; laser or IPL treatments; electrolysis; tanning beds; or any procedure that requires a medical license?", "help": "These services sit outside the quick online beauty and bodywork policy. A few, like acupuncture and cupping, can be added back as an endorsement, so mention those in the comments if they apply and Lee can point you the right way.", "type": "multichips", "options": [ "Microblading or permanent makeup", "Piercings, needles, or skin-puncturing services", "Laser or IPL treatments", "Electrolysis", "Tanning beds", "Procedures requiring a medical license", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.47.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "beautyprod_vv_products", "label": "Excluded ingredients and products", "question": "Do any of your products contain or involve: talc; CBD or other ingestible hemp; formaldehyde (including some nail polishes); prescription ingredients; plug-in or electrical devices; vitamins or supplements; or permanent or invasive cosmetics?", "help": "Product liability for a beauty line is priced on the ingredient list. Any of these puts the line outside the quick online product, and Lee can quote a specialty market instead.", "type": "multichips", "options": [ "Talc", "CBD or ingestible hemp", "Formaldehyde (incl. some nail polishes)", "Prescription ingredients", "Plug-in or electrical devices", "Vitamins or supplements", "Permanent or invasive cosmetics", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.48.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "photovideo_vv_ops", "label": "Excluded work types", "question": "Does your work include any of these: drone or aerial filming you want covered; adult-content work (now or in the past); or paparazzi-style work?", "help": "Drone liability is not included in the online photo and video policy, and the carrier declines adult or paparazzi work outright. Lee can quote drone coverage separately if you need it.", "type": "multichips", "options": [ "Drone / aerial filming to be covered", "Adult-content work (now or past)", "Paparazzi-style work", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "photovideo_vv_history", "label": "Claims, cancellations, and privacy complaints", "question": "In the past 5 years, have you had a liability claim over $5,000, a policy cancelled or non-renewed, or any complaint involving privacy, identity theft, or libel?", "help": "The online application asks this word for word, so knowing it up front saves you from starting an application the carrier would decline.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.49.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "petcare_vv_ops", "label": "Excluded pet operations", "question": "Do any of these describe your pet business: training guard, protection, or police dogs; breeding; kennel or long-term boarding; caring for more than 10 pets at a time or more than 5 overnight; transporting more than 5 animals at once; or working with exotic or non-domestic animals?", "help": "The quick online pet-care policy covers everyday sitting, walking, grooming, and training. Higher-volume or specialized operations are rated differently, so Lee can quote those through other markets.", "type": "multichips", "options": [ "Guard, protection, or police dog training", "Breeding", "Kennel or long-term boarding", "More than 10 pets at a time, or more than 5 overnight", "Transporting more than 5 animals at once", "Exotic or non-domestic animals", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "petcare_vv_revenue", "label": "Annual revenue check", "question": "Is your annual pet-care revenue more than $100,000?", "help": "The online pet-care program caps eligible accounts at $100,000 in annual sales. Bigger operations get a standard market quote instead, which is often still very competitive.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.50.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "trainer_vv_ops", "label": "Excluded training activities", "question": "Does your training involve any of these: pole, aerial, or exotic-style fitness; aqua therapy; selling or recommending vitamins or supplements; cryotherapy or medical-type devices; or dietary work for hospitals, schools, or professional sports teams?", "help": "The online fitness policy covers mainstream personal training, yoga, and group fitness. These specific activities are excluded, so they need a different market.", "type": "multichips", "options": [ "Pole, aerial, or exotic-style fitness", "Aqua therapy", "Selling or recommending vitamins/supplements", "Cryotherapy or medical-type devices", "Dietary work for hospitals, schools, or pro teams", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.51.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "dj_vv_ops", "label": "Excluded gig types", "question": "Do your gigs involve any of these: shows that run past 2:00 am; raves, trance shows, or adult venues; fireworks or pyrotechnics; organizing or promoting the events yourself; or touring acts and production companies?", "help": "The DJ policy covers weddings, parties, and normal venue gigs. Late-night, rave, and pyrotechnic shows are excluded, and event organizers need event coverage instead. Note the DJ policy also does not include liquor liability.", "type": "multichips", "options": [ "Shows past 2:00 am", "Raves, trance shows, or adult venues", "Fireworks or pyrotechnics", "We organize/promote the events ourselves", "Touring acts or production companies", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.52.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "auditor_vv_ops", "label": "Other professional services", "question": "Beyond certified auditing (EMS, food safety, water quality, ISMS, QMS, laboratory, or aerospace), do you also do any of these: accounting or CPA work; engineering, architecture, or surveying; legal, insurance, or real estate services; healthcare services; product-safety design appraisals; or other work besides certified auditing?", "help": "The auditor policy only covers certified auditing work. Any other professional service line needs its own errors and omissions policy, which Lee can quote alongside.", "type": "multichips", "options": [ "Accounting or CPA work", "Engineering, architecture, or surveying", "Legal, insurance, or real estate services", "Healthcare services", "Product-safety design appraisals", "Other work besides certified auditing", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.53.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "lifecoach_vv_ops", "label": "Excluded coaching services", "question": "Does your coaching involve any of these: therapy, counseling, or mental health treatment; medical or clinical advice; financial or investment advice; or in-person fitness training?", "help": "Coaching and education are covered; regulated advice (mental health, medical, financial) and fitness instruction each need their own policy, so they are screened out here.", "type": "multichips", "options": [ "Therapy, counseling, or mental health treatment", "Medical or clinical advice", "Financial or investment advice", "In-person fitness training", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.54.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "janitorial_vv_ops", "label": "Excluded cleaning operations", "question": "Does your cleaning work include any of these: exterior work above 3 stories or on scaffolding; post-construction cleanup or water, fire, or mold remediation; hospitals, medical, or dental offices; industrial plants or hazardous materials; hotels, schools, retail stores, or other facilities open 24 hours; floor waxing as more than 30 percent of the work; property management services; or handyman and repair services on the side?", "help": "The online janitorial policy is built for routine office and residential cleaning. These operations carry different hazards and are excluded, so Lee can quote them through standard markets instead.", "type": "multichips", "options": [ "Exterior work above 3 stories or on scaffolding", "Post-construction or disaster remediation", "Hospitals, medical, or dental offices", "Industrial plants or hazardous materials", "Hotels, schools, retail stores, or 24-hour facilities", "Floor waxing over 30% of the work", "Property management services", "Handyman or repair services on the side", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.55.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "lawncare_vv_ops", "label": "Excluded lawn and landscape work", "question": "Does your work include any of these: tree removal or stump grinding; tree trimming you cannot reach from the ground; landscape design, grading, or hardscaping such as retaining walls or water features; installing new irrigation or sprinklers; snow and ice removal; restricted-use (non-consumer) pesticides or herbicides; or any work above 2 stories?", "help": "Maintenance work qualifies for the quick online policy; construction-type landscape work and tree work are rated as contracting and need a different policy. Arborist work has its own market Lee already uses.", "type": "multichips", "options": [ "Tree removal or stump grinding", "Tree trimming not reachable from the ground", "Landscape design, grading, or hardscaping", "New irrigation/sprinkler installation", "Snow and ice removal", "Restricted-use pesticides or herbicides", "Work above 2 stories", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "lawncare_vv_history", "label": "Claims and cancellations", "question": "In the past 3 years, has the business had a liability claim over $5,000 or a policy cancelled or non-renewed?", "help": "The online application asks this word for word, so knowing it up front saves you from starting an application the carrier would decline.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.56.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "tutor_vv_ops", "label": "Excluded instruction types", "question": "Does your teaching involve any of these: operating a school (charter, private, or vocational); driving instruction; cooking classes; fitness instruction; trade skills such as welding, carpentry, or power tools; childcare or daycare; medical, counseling, or therapy services; or weapons or gun-safety courses?", "help": "The tutor policy covers academic tutoring and test prep. It also does not include abuse and molestation coverage; if a school or district contract requires that, say so in the comments and Lee can quote a market that includes it.", "type": "multichips", "options": [ "Operating a school (charter, private, vocational)", "Driving instruction", "Cooking classes", "Fitness instruction", "Trade skills (welding, carpentry, power tools)", "Childcare or daycare", "Medical, counseling, or therapy services", "Weapons or gun-safety courses", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.57.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "artists_vv_products", "label": "Excluded product types", "question": "Do you make or sell any of these: food or drink products; candles with liquid fuel gel; cosmetics, lotions, or soaps; toys, furniture, or any products made for children or infants; vitamins or supplements; or weapons or knives?", "help": "The artists and crafters policy covers most handmade goods but hard-excludes these categories. Some (like cosmetics or food) have their own quick online policy instead, so this answer routes you to the right one.", "type": "multichips", "options": [ "Food or drink products", "Candles with liquid fuel gel", "Cosmetics, lotions, or soaps", "Toys, furniture, or products for children/infants", "Vitamins or supplements", "Weapons or knives", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "artists_vv_ops", "label": "Excluded operations", "question": "Does your work include any of these: commercial painting, murals, or construction trades; a retail storefront; portrait photography or videography services for a fee; salon or spa services; tattoo work; or organizing and promoting fairs or festivals?", "help": "Selling your craft is covered; running a storefront, trade services, or the event itself needs a different policy, so it is important to flag up front.", "type": "multichips", "options": [ "Commercial painting, murals, or construction trades", "Retail storefront", "Portrait photography / videography for a fee", "Salon or spa services", "Tattoo work", "Organizing or promoting fairs/festivals", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.58.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "entertainers_vv_ops", "label": "Excluded show types", "question": "Do your performances involve any of these: shows that run past 2:00 am; adult venues or adult performers; live animals; fire, pyrotechnics, or weapons; aerial, acrobatic, or stunt work; touring, or groups larger than 10; or organizing and promoting the events yourself?", "help": "The entertainer policy is built for solo and small-group performers at normal venues. Any of these needs a specialty entertainment market, which Lee can quote for you.", "type": "multichips", "options": [ "Shows past 2:00 am", "Adult venues or adult performers", "Live animals", "Fire, pyrotechnics, or weapons", "Aerial, acrobatic, or stunt work", "Touring, or groups larger than 10", "We organize/promote the events ourselves", "None of these" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "subtypes.59.items", "title": "Quick Eligibility Check", "scope": "Quick Eligibility Check", "handoff": false, "questions": [ { "key": "allied_cmf_employees", "label": "Employees or staff", "question": "Do you have any W-2 employees, or do you expect to hire staff or 1099 providers who work like staff, in the next 12 months? (Yes / No)", "help": "CM&F's quick online policy is built for an individual provider with no staff. If you have or plan to add employees, that's completely fine. Lee can quote you as a group/practice instead so your staff can be covered too. Just answer honestly and the form takes you down the right path.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "cmf_additional_insured", "label": "Add your business as an Additional Insured", "question": "Do you operate through an LLC or other business entity you'd like added to this policy as an Additional Insured, at no additional cost? If yes, what is its exact legal name? (Yes / No)", "help": "CM&F lets an individual add their own business entity as an Additional Insured for free. Landlords and facilities often require it, and there's no downside to including it.", "type": "yesno", "options": [ "Yes", "No" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "auto.items", "title": "Auto Insurance", "scope": "Business vehicles", "handoff": false, "questions": [ { "key": "auto_vehicle_use", "label": "Business use of any vehicle", "question": "Will you or anyone else use any vehicle for business purposes, even occasionally? Include owners, LLC members, partners, employees, volunteers, and contractors. Examples include visiting clients or job sites, running errands, picking up supplies, carrying tools or products, making deliveries, transporting people, or renting or borrowing a vehicle. Do not count only an ordinary personal commute to one fixed workplace. For a home-based business, include trips from home to clients, job sites, appointments, or other business locations. If you do not have a vehicle yet but plan to buy one (or several) for the business, choose the planning option. (Yes, a vehicle will be used / No vehicle will be used for business / Not yet, but we plan to buy one or more vehicles / Not sure)", "help": "Using any vehicle for business can create an auto exposure, even if the vehicle is personally owned or used only occasionally. Personal auto policies may limit or exclude some business uses. Depending on who owns the vehicle and how it is used, coverage may need to be addressed through a personal auto policy endorsement, commercial auto insurance, and/or hired and non-owned auto liability coverage. Coverage terms and availability vary by insurer. Completing this form does not add or bind auto coverage.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_planned_count", "label": "Vehicles you plan to buy", "question": "About how many vehicles do you expect to add for the business in the next 12 months? (1 / 2 / 3 / 4 / 5 or more / Not sure)", "help": "A rough count tells us whether you're heading toward a single-vehicle policy or a small fleet, which affects how the coverage is structured and rated. Nothing is bound until a vehicle is actually purchased.", "type": "pillset", "options": [ "1", "2", "3", "4", "5 or more", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_planned_timing", "label": "When you expect to buy", "question": "Roughly when do you expect to have the first vehicle on the road for the business? (Within 3 months / 3 to 12 months / More than a year out / Not sure)", "help": "Commercial auto coverage generally needs to be in force before a business vehicle is driven, so knowing your timing lets us line up a quote to bind at purchase rather than after.", "type": "pillset", "options": [ "Within 3 months", "3 to 12 months", "More than a year out", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_planned_titling", "label": "How the vehicles will be titled", "question": "When you buy, will the vehicles be titled to the business or to an owner personally? (Titled to the business / Titled to an owner personally / A mix of both / Not sure)", "help": "Who holds title affects whether the exposure is addressed through commercial auto, a personal auto policy, and/or hired and non-owned auto liability coverage. This only helps us plan ahead; it changes nothing about your current policies.", "type": "pillset", "options": [ "Titled to the business", "Titled to an owner personally", "A mix of both", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_whose_vehicle", "label": "Whose vehicle may be used", "question": "Whose vehicle may be used for the business? Select all that apply. (A vehicle owned, titled, or leased by the business / A personal vehicle owned or leased by an owner, member, or partner / A personal vehicle owned or leased by an employee, volunteer, or contractor / A rented, borrowed, or short-term leased vehicle / Not sure)", "help": "Owners, partners, LLC members, employees, volunteers, and contractors can all create an auto exposure when they drive for the business. Who owns the vehicle affects whether the exposure may need to be addressed through a personal auto policy endorsement, commercial auto insurance, and/or hired and non-owned auto liability coverage.", "type": "multichips", "options": [ "A vehicle owned, titled, or leased by the business", "A personal vehicle owned or leased by an owner, member, or partner", "A personal vehicle owned or leased by an employee, volunteer, or contractor", "A rented, borrowed, or short-term leased vehicle", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_use_types", "label": "How vehicles will be used", "question": "How will vehicles be used for the business? Select all that apply. (Visiting clients, appointments, or job sites / Running errands or picking up supplies / Carrying tools, equipment, materials, or products / Delivering food, products, materials, or other property / Transporting clients, patients, passengers, or members of the public / Towing a trailer / Rideshare or app-based delivery / Other / Not sure)", "help": "How a vehicle is used decides the class code and the rate. Errands and job-site visits price very differently from delivery or carrying passengers.", "type": "multichips", "options": [ "Visiting clients, appointments, or job sites", "Running errands or picking up supplies", "Carrying tools, equipment, materials, or products", "Delivering food, products, materials, or other property", "Transporting clients, patients, passengers, or members of the public", "Towing a trailer", "Rideshare or app-based delivery", "Other", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_use_other", "label": "Other vehicle use", "question": "If you chose Other above, please describe how vehicles will be used for the business.", "help": "A use that does not fit the list usually means a different class code, and describing it is what keeps the vehicle from being rated as something it is not.", "type": "textarea", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_use_frequency", "label": "How often vehicles will be used", "question": "How often will vehicles be used for business? (Less than once per month / A few times per month / Weekly / Most days / Not sure)", "help": "Frequency separates an occasional-use vehicle from a daily one, and some carriers price a low-mileage business auto quite differently.", "type": "pillset", "options": [ "Less than once per month", "A few times per month", "Weekly", "Most days", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_personal_confirmed", "label": "Personal auto insurer notified of business use", "question": "If a personally owned vehicle may be used: has the personal auto insurer or agent been told exactly how the vehicle will be used for the business? (Yes, and the insurer confirmed the use in writing / Yes, but I do not have written confirmation / No / Not sure)", "help": "Personal auto policy treatment of business use depends on the insurer, the policy, any endorsement, who owns the vehicle, and the nature of the use. Please describe the planned use to the insurer or agent responsible for the personal auto policy and request confirmation or an appropriate endorsement. Commercial auto or hired and non-owned auto coverage may separately be appropriate and available; Lee can go over those options with you.", "type": "pillset", "options": [ "Yes, and the insurer confirmed the use in writing", "Yes, but I do not have written confirmation", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_vin", "label": "Vehicle details", "question": "List each vehicle that will be used for the business, including its VIN, year, make, and model. Its approximate value is optional, and if you give it, use the value of the vehicle only (not any permanently attached equipment). Pick the closest annual mileage band. Tell us whether the vehicle has any permanently attached equipment and, if so, its value. For each vehicle, choose who holds title: the business, an owner, or another individual. If it is titled to a person, give that person's name. Tell us whether the vehicle is leased or financed and, if so, the lender or lessor name exactly as it should appear as the loss payee.", "help": "The approximate value sets the physical-damage (comprehensive and collision) coverage on each vehicle, so it's worth getting close. Annual mileage is a commercial auto rating factor, so a rough band per vehicle is fine. Permanently attached equipment is anything bolted, welded, or built onto the vehicle so it stays with it: a utility or service bed, tool boxes, a crane or boom, a liftgate, a snow plow, a refrigeration unit, a fuel or water tank, or a camper shell (not loose tools you load in and out). We list its value separately so your physical-damage coverage repairs or replaces the equipment, not just the truck, after a covered loss. The title holder and any lender or lessor are application facts for that specific vehicle. Whether an endorsement applies, and whether one is available, depends on the carrier and is subject to the policy wording.", "type": "vehicle_rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_drivers", "label": "Driver information", "question": "List each driver, including their full name, date of birth, driver's license number, and the state that issued it.", "help": "Carriers order motor vehicle records on every listed driver, and an unlisted driver is the most common reason a commercial auto claim gets questioned.", "type": "driver_rows", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_radius", "label": "Travel radius", "question": "What is the farthest one-way distance you will travel to see a client 90% of the time?", "help": "Travel radius is a commercial auto rating factor. More road time means more exposure.", "type": "number", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_trailer", "label": "Trailers", "question": "If you'll use any trailers, list each one separately with its year, make, model, serial or VIN, and approximate value.", "help": "Trailers are scheduled and rated separately from the power unit, and one left off the schedule is generally not covered for physical damage.", "type": "rows", "options": [], "required": false, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_personal_tenure", "label": "Personal auto history", "question": "Have you carried your personal auto insurance for more than one year?", "help": "We ask about your personal auto coverage because several commercial carriers offer a discount based on your personal insurance history and limits.", "type": "pillset", "options": [ "Yes, more than a year", "No", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_personal_renewal", "label": "Personal auto renewal", "question": "When does your current personal auto insurance renew?", "help": "Knowing when the personal policy renews lets the timing line up, so you are not paying twice or leaving a gap between the two.", "type": "date", "options": [], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] }, { "key": "auto_personal_limits", "label": "Personal auto limits", "question": "What liability limits do you currently carry on your personal auto insurance? ($25k/$50k is the Arizona state minimum; you may carry higher.)", "help": "Some commercial carriers offer a discount based on the limits you carry personally, and higher personal limits can qualify you for better commercial rates. If you carry more than the options shown, choose Other and tell us the amount.", "type": "pillset", "options": [ "$25k / $50k (AZ state minimum)", "$50k / $100k", "$100k / $300k", "$250k / $500k", "Other", "Not sure" ], "required": true, "show_if": "When this step is shown in the live form.", "coverage_lines": [] } ] }, { "id": "flows.4.external", "title": "Renters Insurance", "scope": "Renters Insurance", "flow_key": "personal_renters", "handoff": true, "questions": [] }, { "id": "flows.5.external", "title": "Life Insurance", "scope": "Life Insurance", "flow_key": "personal_life", "handoff": true, "questions": [] } ] }