Client Protection Review

Thank-you in advance for completing the Client Protection Review (CPR). The information you provide will help us keep your coverage updated and perhaps save you some money. Most of the questions can be answered with Yes, No or Contact Me To Discuss. If you choose No, you will not be contacted regarding the item. If you choose Yes, we will try to make the change (if you don't have the coverage already) and only contact you if we need more information or a form completed etc. Obviously, if you ask us to contact you regarding a item, that is what we will do.

Contact information is EXTREMELY important. If you have a claim, we may need to contact you about some very important events. We will not share this information, without your permission, with anyone except the company that insures you.

Name :
Address :
City /State/Zip :
Email 1 :		Email 2 :
Phone 1 :		Phone 2 :
Best Time To Call:

General Satisfaction Questions and Concerns

Would you like to schedule a meeting to review your insurance?
Do you have any comments or concerns about your policy, agent, our services etc.?

Policy Coverage Questions

Home Insurance

Do you do any activities from your property that you may get paid for or may make sales from or do you regularly babysit for pay in your home?

Have you added on, remodeled, or changed your home lately? Have you added another structure like storage shed?

Do you want earthquake coverage if you do not already have it?

Do you want backup of sewers coverage (water in a basement), if you do not already have it?

Do you want Identity Theft coverage, if you do not already have it?

Do you have over $1,000 worth of any of the following? If you do, and the items are not separately scheduled, there could be a problem if the items are stolen. Scheduling the items also gives you coverage for simply losing or dropping the item.

Cameras, Fine Arts, Furs, Sports Equipment, Musical Instruments or Jewelry you would like to schedule?

Other items you may like to schedule?

Do you own or rent any other land or dwellings that we do not already insure?

Do you own or rent any type of watercraft, recreational vehicles or "toys"?

Describe toys:

Automobile Insurance

Do regularly drive vehicles you do not own? (company car or borrowed vehicle)

Are any vehicles on your policy or at your location, NOT owned by you (or your spouse)?

Do you want to discuss the amount of protection you have in the event you seriously injure or kill someone in an auto accident? (Liability)

Do you want to discuss the amount of protection you and your family have if you are seriously injured or killed in a accident but the other driver doesn't have insurance? Uninsured Motorist and Under-Insured Motorist

Do you want your vehicles repaired if they are damaged by another person who has no insurance? Uninsured Motorist Property Damage

Life Insurance

Are you unsure if you have enough life insurance to provide for your family if you suddenly died?

Some companies reduce your auto and home insurance cost if you also have life insurance with them. Would you like us to review your life insurance?

Are you concerned about Long Term Care coverage?

Are you concerned about how you would pay your bills if you were disabled?

Miscellaneous Policies

Would you be interested in $1,000,000 extra protection if you are sued? The cost is usually between $100 and $250 per year Personal Umbrella

Other comments or concerns:

Earthquake Coverage	Earthquake is not included in the standard homeowner policy. It can usually be purchased for an additional premium. The deductible for this coverage is usually 5% of the coverage amount (not the loss amount)
Backup of Sewers and Drains.	This covers water damage caused by water that come into the home through a drain or other system that is designed to drain water from your home. This is NOT Flood Insurance. Flood is "surface water" and flood policies are only available through the National Flood Insurance Program.
Identity Theft	ID theft coverage helps cover the cost to restore the security of your identity. It does not cover the cost of items or money stolen through the use of your identity. Some companies also offer services to aid you in restoring your identity.
Auto Liability	This is the maximum amount of money a company will pay on your behalf for damages you have caused in an at-fault accident. Sometimes it is shown as one "Combined Single Limit" such a $300,000. Sometimes companies split the limit to cover a certain amount per person, and a total amount per accident. It must pay for things like medical bills, time off work, pain and suffering, and repairs of damaged property. An auto accident is the most likely source of a large lawsuit and we recommend most people have at least $500,000 liability. You may also want to consider a personal umbrella to give you even more protection.
Uninsured and Under-insured Motorist Bodily Injury	This coverage pays you for injury related costs you could have collected from the other party in a accident if the other party would have had insurance. It does not pay to fix your vehicle. This is for things like your medical bills, time off work, and pain and suffering.
Uninsured Motorist Property Damage.	This coverage pays to repair your vehicle if it is damaged by an uninsured motorist. If you have collision coverage, it is not necessary.
Personal Umbrella	A personal umbrella provides you with additional coverage if you are sued for an amount higher than your auto or personal liability limit. It is available in increments of $1,000,000 and is usually between $100 and $250 per year, depending on the number of vehicles, homes, and drivers you have. We think this is an excellent value and recommend a personal umbrella for most of our clients.