PUP ACCESS RLI Personal Umbrella Policy On-Line Processing Instructions for Subproducers May 2008

1. PUP ACCESS RLI Personal Umbrella Policy On-Line Processing Instructions for Subproducers May 2008 NOTE: For best results in displaying .PDF documents, it is recommended that you have Adobe 8.0 or later installed on your computer.

2. RLI Sub-Producer, You have been given access to the RLI Specialty Markets Community page via a User ID and password provided to you by an RLI Administrator. You are not directly appointed by RLI and are not paid a commission by RLI. Any questions you have regarding your relationship with RLI should be directed to your RLI Administrator. Their name should be located on slide 3 of this manual or on any RLI policy documents. Within this system, you will find a host of information enabling you to interact with RLI for Personal Umbrella Policies (PUP) and/or Home Business Insurance (HBI) policies. This manual is specific to PUP written with RLI. From the “Community Page”, you will launch “PUP Access”, used to quote and inquire on RLI Personal Umbrella Policies. The system also has the ability to provide copies of umbrella forms and reports and make inquires on existing policies. Always remember, policies are not bound until RLI assigns a policy number which will start with the prefix “PUP”. The following instructions will illustrate how to use this on-line system. You will find information on how to quote new submissions, how to inquire on your existing policies and how to obtain copies of necessary forms. We will explain the “terminology” used within the system so you are aware of the status of any particular policy. The “Reports” areas can provide information with expiration lists or other data to help you interact easier with your accounting area and your customers. Where possible, illustrations have been included to help you along the way. Should you encounter a situation not noted in the Table of Contents, please contact your Administrator.

3. SUB-PRODUCER INFORMATION User Name:__________ Password:___________ Administrator Name: ____________________ NOTE: A sub-producer should take great care in writing down the preceding information as this information is confidential and should be treated as such. As an RLI Personal umbrella subproducer, you do not have a direct appointment with RLI and RLI does not pay you commission. Your program administrator is your sole source of information for RLI personal umbrella policies. Your administrator’s name is above and their phone number can be found on any RLI policy documents.

4. Table of Contents • Chapter 1 – Introduction to PUP Access………………………………………. 5 • How to Log In to the Specialty Markets Community Page… .………. 6 • RLI Specialty Markets Community Home Page…………….………… 9 • PUP Access Home Page…………………………..…………….….….. 10 • Chapter 2 – Forms………………………………………………………………. 11 • How to access the forms page…..……………………………….……… 12 • How do I search for a particular form…………………………….…….. 13 • Working with forms……….. ................................................................ 14 • Printing, E-Mailing and Saving forms…….………………………..…… 15 • Chapter 3– New Quotes ………………………..……………………………… 17 • How to process a new quote……..…………....................................... 18 • Completing the Quote and Application process……………………... 20 • Chapter 4– Quotes - Policies…………………..……………………………. 30 • Accessing the Quote – Policy Repository……………………………. 31 • Complete/change/update an existing quote…………………………. 34 • How to access a policy…………….………………….………………. 36 • Policy Inquiry ………………………….……………….………………… 37 • Non-Renewal “NRE” Codes……………………………….……….…… 44 • Driver(s) listed on the policy ............................................................. 45 • Mailing History for a policy .................................................................... 47 • Claims and Policy Payments details….............................................. 49 • Notes—How to View and Create Notes………………………………… 51 • Forms for a Specific Policy………………………………………………. 54 • Chapter 5– Reports………………………………………………………………. 56 • Expiration List by SubAgent….…………………………………………. 59 • Policy Count & Premium…………………………………………………. 60 • Non-Renewal Policy List………………………………………………….. 61 • Limit Profile………………………………………………………………... 62 • Inforce Policy List w/example……………………………………………. 63 • Lapse Policy List………………………………………………………….. 65 • New Business Policies Mailed…………………………………………… 66 • Renewal Policies Mailed…………………………………………………. 67 • Renewal Apps Mailed…………………………………………………….. 68 • Billed Renewals w/example.……………………………………………… 69 • Canceled Policies………………………………………………………… 71 • Decreased Policy Limits…………………………………………………. 72 • Chapter 6 --Need Help ………………………………………………………… 73 • Chapter 7 – RLI Specialty Markets Community Home Page…………….. 76 • Marketing Materials………………………………………………………. 77 • Samples of blank forms and changing your password……………….. 79 • Other Tools on the Community Page………………………….…………. 80

5. CHAPTER 1 • Introduction to PUP Access • How to Log In • RLI Specialty Markets Community Page • PUP Access (On Line Processing) Home Page

6. 1 • Log onto the RLI website via the URL: www.rlicorp.com. • Click on the “Producer Log-In” tab on the right side of the page.

7. 1 • Click on the “Personal Umbrella Policy – (PUP)” link.

8. 1 2 • You should now be at the following URL – https://portal.rlicorp.com/portal/server.pt • You may wish to save this page to your “Favorites” to speed future access. • User name – Your “User name” is your 5 digit administrator number, followed by a hyphen, then your 5 digit subproducer number assigned by your administrator. For example, if your administrator’s number is 12345 and your subproducer number is 67890, then your “User name” is 12345-67890. • Password - Enter your “Password” that was assigned to you by your administrator. Please note “Passwords” are case sensitive.Your User name and Password are for all individuals in your office. They are not specific to an individual. If someone changes the password, it has been changed for every user in your office. • Note: After 3 failed attempts have been made trying to log in, you will become “locked out” of the system and will have to have your account unlocked by your administrator. Do not contact RLI directly.

9. 4 1 5 3 2 • The “Specialty Markets Community Home Page” contains a host of tools. More detail can be found in Chapter 8 of this manual. • Marketing Materials – Various materials are available for your use and personalization. • PUP Forms - Blank forms are available for download or for use on your website. • Change Your Password – If you choose to change your password, it must be 8-12 digits in length. Remember that all users in your office sign in using the same user name and password, so if you change the password, you need to inform all users. • PUP Access - Click on the “Launch” button to continue to the on-line system containing quotes and policies. Once the new window opens, it should be maximized, for optimal usage. • eRLI Access – This is the original “launch” button you previously used to begin the quoting process. This button will still be used for Home Business Insurance (HBI) and to review all “old” PUP quotes and policies issued prior to the system change.

10. 1 2 3 4 5 6 • By selecting “Launch” from “PUP Access”, you come to this “Home Page” which shows you the available choices within “PUP Access”. Hovering over each of these tabswill provide more options. • Forms – Allows you to view the forms associated with a specific policy. • New Quote – Your starting point to enter a new quote. • Quotes– Policies – Allows you to view all quotes or policies. • Reports – Allows you to access various reports based on specific dates and parameters. • Need Help? – Provides an e-mail based help system that will be responded to within 24 hours if you experience a problem navigating the system. • LogOff – Will log you out of PUP Access and return you back to the Community Page. You are still logged into the RLI Portal.

11. CHAPTER 2 “Forms” Which forms are available? How do I search for a particular form? What if the form I need is not there? How do I print and e-mail forms?

12. 1 • Forms – From the “PUP Access” Home page, click on the “Forms” tab. This tab will allow you to view the forms applicable to a particular policy. Future pages explaine what can be done with these forms. • Note: Forms are available in “PUP Access” as they renew in this new system. To obtain a copy of an “old” form, you may order a duplicate on the Mailing Screen. See page 48 for additional information.

13. 1 2 • “Mailing Maintenance” Screen • Enter the search criteria to access the forms for a particular policy or set of policies. You may fill in one field or multiple fields by which to search. Not only can you search for one particular policy, but you can search for multiple policies that have a similar characteristic.Examples:Form Number – From the drop down list, search to see which insureds were mailed a particular form.Endorsement Date – Search to find policies with an endorsement is effective as of a particular effective date (not the date it was processed).Effective Date - By entering a date in this field, the system will give you all the forms that populated with that particular effective date. • Search - Once your criteria has been entered, click “Search.”

14. 1 2 • “Mailing Maintenance” Screen • To open the PDF, click on the icon under the “View” column for the desired form. • If the form has an “Error” status, you may check the box in front of the item, and then click on “Regenerate Form”. • Note: If you are looking for a form that is not under the “Forms” tab, then it may have been generated prior to this new system. In this case, you can order a duplicate from the Mailing Screen in Policy Inquiry via “eRLI Access” (page 48). It will be sent to your administrator the next business day.

15. 3 4 1 2 • Once the form has loaded it can be printed, e-mailed or saved. • Print - To print the document, click on “File” and then select “Print.” • E-Mail - To email the document, click on “File,” select “Send,” and then select “Page By E-mail.” This will automatically send the attachment to a new e-mail message. • Save As – To save this document to your desktop, click on “Save As” and select the location to which you wish to save the document. • Close this window once your document has been printed, emailed or saved by clicking on the red “X”.

16. 1 2 3 • “Mailing Maintenance” Screen • To update the status of a particular form, click on the box in front of the desired form. • Click on the down arrow under “Form Status”. A drop down box will appear with the following options: PrintedAttempted - the second part of the Error status below will show that the form encountered some sort of problem.Printed and SentEmail SentError – the system automatically populates this if there is a problem with the particular from generated.Queued – The form will generate that evening. • Next click on “Update Status.” This will update the form’s status to what was chosen under #2 and will be available for future reference.Note: the “Form Status” is only populated by you, with the exception of “Error” and “Queued”.

17. CHAPTER 3 “New Quotes” Quick Quote Input information to obtain an RLI quote New Business forms available via PDF

18. 1 • New Quote – From the “PUP Access” Home page, click on the “New Quote” tab to complete a quote or application.

19. 1 • PUP Quick Quote – next, click on “PUP Quick Quote” to begin the quoting or application completion process.

20. 1 2 • Once you click on “PUP Quick Quote”, you will begin the quoting process on this screen. • ZipCode - Enter the zip code where the named insured resides. • 2. Effective Date – There are two ways to enter the effective date. One is to click on the calendar tab next to the effective date box, and select the appropriate date. The other way is to type in the appropriate date. You may only enter an effective date which is 3 days back from the entry date or 60 days forward. You should never backdate coverage! • Note: If the date has been selected by using the calendar tab, the page will automatically continue to the next page. If the date is typed in, then “Enter” will need to be pressed to continue.

21. 1 2 3 4 5 6 • Administrator - The “Administrator” number will automatically display. • SubAgent – Your “SubAgent” (subproducer) number will automatically display. • Named Insured – Complete the information for the “Named Insured” and if necessary, the “Second Named Insured”. • Rating Questions - Questions 1-10 are in an abbreviated format. To view the question in it’s entirety, hold the cursor over the question and the full question will display. These questions follow the RLI Application PUP276. • Underlying Auto Limits - The final question references the underlying auto limits maintained by all members of the householdon ANY auto in the household. • Rate – click the “Rate” button and the quote for all 4 limits will display.

22. 1b 1a 3 4 1 2 5 6 • “Premium Options” Section • Rate - Once you have clicked on the “Rate” button, the following fields will be populated and the quote number will be assigned, which will be displayed at the top of the page. (The quote number is not shown here.) • Premium Options – You must select the coverage limit desired before you can move forward with the quote/application process. • Rating Tier – This will provide detail of the rating tier for which your risk qualifies based on risk characteristics. • Quote Letter – This button will generate a letter with a premium indication based on the information entered during the quick quote process. • Application – This button will generate a partially completed application based on the questions answered. • Save & Close – This button allows you to save the information entered and exit from the quote. • Save – This button will save the quote information entered and remain active within the current quote. • Next – This button will always save the currently entered information and take you to the next page of the quote/application screens.

23. 1 2 3 • “Underwriting Questions” Screen • This screen follows PUP 276 RLI new business application exactly. • Complete questions #11 - #20. • This group of buttons perform the same functions as on the previous page. • Next - Once all questions have been answered, click the “Next” button to proceed to the next screen.

24. 1 2 3 • “Limits Of Liability” Screen • Answer question 21 affirming that all members of the household agree to maintain the minimum required underlying limits throughout the policy term. • This group of buttons perform the same functions as on the previous pages. • Next - Once all questions have been answered, click the “Next” button to proceed to the next screen.

25. 2 1 3 • “Automobile Liability” Screen • Complete question 22 by selecting the appropriate underlying auto limit the insured agrees to maintain for all members of the household. Note: Question 22 must be answered regardless of whether or not there is a driver and/or a vehicle in the household. • This group of buttons perform the same functions as on the previous pages. • Next - Once all questions have been answered, click the “Next” button to proceed to the next screen.

26. 1 2 4 3 5 • “Drivers” Screen • The number of listed driver must be the same as the response to question #5 on page 22. All drivers in the household must be disclosed here. • Editing Driver Number “X” – Complete each field for all drivers. • Save Driver - Click this button to save the information once each driver’s information has been entered. • Delete Driver – Click this button if a driver’s information is incorrect. This deletes the current information and allows you to start over. Remember that if you completely delete a driver thus decreasing the total number of drivers, you must first decrease the number of drivers stated in question #5. (Page 22) • Cancel – Click this button if you do not want to edit a selected driver. • Next – Once all questions have been answered, click the “Next” button to proceed to the next screen.

27. 1 2 3 6 4 5 • “Address Information” Screen • Primary Address – Complete each field for the insured’s primary address. • Same As Mailing - If the mailing address is different than the primary address then answer “No” and complete the ‘Mailing Address’ section. • Mailing Address – Complete all the fields for the mailing address. • This group of buttons perform the same functions as on the previous pages. • Application - By printing the “Application” from this screen, the entire application is complete and ready for the insured’s signature. • Next – Once all questions have been answered, click the “Next” button to proceed to the next screen.

28. 1 2 3 • “Confirmation” Screen • Confirmation – Answer “Yes” ONLY if you have a signed application and wish to submit to your administrator.Note: You SHOULD NOT proceed with the process if you do not have the completed and signed application. • This group of buttons perform the same functions as on the previous pages. • Submit for Review - Select to submit the application to your administrator. Before the risk will be bound by your administrator, they will need the signed RLI application and full payment. Contact your administrator for instructions on their particular workflow.

29. 1b 1a • “Submitted” Screen • Once “Submit for Review” is selected on the previous screen – • The Quote number will display, and • “Submitted” will show in the upper left side. • Your administrator will provide direction on what your next steps should be to complete the process. RLI requires that the administrator have a legible, signed and complete RLI application with full annual payment before they request the quote to be bound. • Once the policy is bound by RLI, a policy number with a “PUP” prefix is assigned. All policy information and policy documents can be found in the “Quotes - Policies” area of “PUP Access”. • Note:All RLI applications require the insured’s signature and full annual premium prior to binding.

30. CHAPTER 4 “Quotes – Policies” Access a Quote Complete/change/update an existing quote Inquire on an existing policy Sample Policy Inquiry Screens Non-renewal “NRE” Codes Links from the Inquiry Screens –Drivers, Mailing, Check/Claims, Notes

31. 1 • Quotes – Policies – From the “PUP Access” Home page, click on this tab to view an existing quote or a specific policy.

32. 2 1 • “Repository” Screen • Working List: Recent Transactions – When you click on the “Quotes-Policies” tab, it will automatically bring up “Recent Transactions”. This includes both quotes and policies. • You can filter by these 4 options. Those include - • Quotes: To search for quotes, click “Quotes”. • Policies: To search for policies, click “Policies”. • Recent Transactions: Previously outlined. • Print Errors: A list of policies that have a “Status” of “Error” will show here. In order to populate correct forms, go to the “Forms” area and follow instructions to regenerate the forms. (See Chapter 2) • Note: If a button is blue it is active. If the button is grey it is not active. These buttons will be described in further detail in the coming pages.

33. 1 2 3 5 4 • “Repository” Screen • Clicking on “Quotes” or ‘Policies” will bring you to this screen. • Search section- Enter the criteria in the appropriate field(s) to locate the policy or quote that is being sought. • Search button – Click this button once the criteria has been established to query the database. • Working List: Recent Transactions - Select the policy or quote desired by clicking on the policy or quote found in the listing. (See page 37 for a sample of what information is provided.) • Load – Click this button once the policy or quote has been highlighted, to load the data.Note: If a button is blue it is active. If a button is grey it is not active.

34. 3 2 1 • “Repository” Screen • Once a signed application with payment is received in your office from the insured, you will need to submit the application and payment to your administrator. By reviewing the paperwork you receive, determine if the insured has made changes to any part of the quote in the system by looking for any changes that have been made to the paper app. • Select the desired quote by clicking on the specific line within the list. It will turn blue once it has been highlighted. • Load - Click on the “Load” button when the signed application along with the premium is received. • Copy – If the quote is more than 3 days old, you will need to click on the “Copy” button. This will bring up an exact copy of the original quote. You will be prompted to change the effective date to a current or future date.

35. 1 • Once “Load” is selected, the quote will appear with the information entered previously. • Rate – If everything is correct, continue through the quote by pressing “Enter” until you see the “Rate” button. Once you have selected the correct limit, you may continue through the remaining screens to verify everything is correct until you reach the “Confirmation” screen. (See page 28 if you wish to “Submit” to your administrator to bind.)Note: If any changes were made to the application, each change must be initialed by the insured. Amend the answers within the quote in “PUP Access” and the “Rate”.

36. 1 4 2 3 • “Repository” Screen • Search section - Enter the criteria in the appropriate field(s) to locate the policy that is being requested. You may search by a number of different criteria. • Search button – Click the “Search” button to display the desired policy. • Click on the policy you wish to do an inquiry. This will highlight the policy line. • Policy Inquiry - Click on the “Policy Inquiry” button once the policy has been highlighted.

37. 3 1a 1 2 • “Policy Inquiry” Screen • Once the policy has been retrieved, summary information for each policy term will be displayed for the 4 most recent policy terms, with the most recent policy term’s information at the top.Note: the policy status will be noted in red for quick reference. • To display additional policy periods, if applicable, click on “See All Terms”. • + - To see additional policy details, click the small “+”. (See next page for detail.) • Should this be adequate for your needs, you can go to the next policy by entering your criteria into the “Search” field(s).

38. 1 2 3 4 • “Policy Inquiry” Screen • When you click the “+” symbol, some of the details include the following: • Insured’s primary address and any other addresses on file • Producer (Administrator) and Subproducer (SubAgent) Information • Premiums by policy limit • Underwriting questions and answers • Note: Additional information may be included depending on the status displayed. Much of the information shown at the top of the inquiry screen is primarily used for internal processing by RLI associates. Many of these fields are outlined on the next page.

39. 1 • “Policy Inquiry” Screen • Additional information may appear in this section, depending on the policy status. Most fields displayed are used for internal processing by RLI associates. Some of the examples are - • Modified by: Reflects the user who entered a transaction or that the system generated the transaction with the word “process”. • Retro Y/N: Indicates a transaction has been reversed. • Tr Date: Reflects the transaction process or entry date. • User: Reflects the user who processed the transaction. • Agency type: “A” = Account Current or “D” = Direct Bill.

40. 1 2 3 • “Policy Inquiry” Screen • On the next series of pages, we will show you a number of reasons for non-renewal: • Search – Enter the criteria in the appropriate field(s) to locate the policy that is being requested and click on the “Search” button. • The reason for non-renewal is in red. • Click on the “+” to reveal the policy details. • In this example, the Insured has answered that they have a driver over 70 and fall into the Standard II rating tier due to the number of drivers and vehicles in the household. (N302) This exceeds the RLI underwriting guidelines, and therefore a non-renewal notice was issued. • A full listing of all non-renewal reason codes appears on page 44.

41. 2 1 • “Policy Inquiry” Screen • In this example, the insured has not returned their completed renewal questionnaire by the due date. This will generate a non-renewal notice. (N23) • Instead of completing the renewal questionnaire, the insured has chosen to let the policy lapse by cancelling the policy as of the expiration date. The policy is now in cancel status. • Note: Insureds can submit their renewal questionnaire up to the expiration date to rescind a notice of non-renewal (if the risk is eligible).

42. 1 2 • “Policy Inquiry” Screen • In this example, the insured has not answered seven of the questions on the questionnaire, generating a non-renewal for incomplete underwriting information (N41). • The unanswered questions are indicated by a blank response to the corresponding underwriting question. Note: The insured can always amend their renewal questionnaire before their expiration date if they have made an error or omitted an answer. The revised response(s) must be initialed or signed by the insured and dated for verification.

43. 1 • “Policy Inquiry” Screen • In this example, the policy has lapsed due to nonpayment of premium. In all states, except New York, a lapse letter is generated 10 days after the expiration date or due date of the policy (whichever is the latter). In New York, a direct notice of cancellation is generated.

44. “Non-Renewal” (NRE) Codes N14 Underlying auto limits N23 Questionnaire not received ( state specific ) N26 Questionnaire not received ( general ) N38 Power of attorney not received N41 Incomplete underwriting information N47 Named insured deceased N49 Pending personal claim N52 Loss of license in past 5 years N53 Moving violations exceed 4 N54 At-fault accidents exceed 2 N57 Youth supp form not returned N59 Violations per person > 3 N67 Obsolete application N90 Unable to obtain MVR on youth N97 Agent no longer represents RLI N100 Acreage exceeds 640 acres N101 Vehicles exceed 6 N104 Personal watercraft exceed 3 N110 Occupation N111 Primary underlying limits (other than auto) N301 Increased Exposure Outside US N302 70+ driver/Standard II combo N304 Youth or driver over 79 with incident N306 Youth or 79+ driver has had a driving incident N308 Requested info not received (original app audit) N309 Rental properties exceed 5 N310 Properties outside coverage territory N312 Residential properties exceed 3

45. 1 • “Policy Inquiry” Screen • Drivers listed on the policy can be found under the “Drivers” link. • Drivers - Click on “Drivers” and a pop-up window will appear.

46. 1 2 • “Policy Inquiry – Drivers List” Screen • Each driver will be listed. • After reviewing the driver’s information that is available, close the driver’s pop-up screen by clicking the “Close” button. • Note: Due to the contract RLI has with the MVR service, limited MVR information is available to the administrator or subproducer by phone or via this system.

47. 1 • “Policy Inquiry” Screen • The “Mailing” link provides information on when a particular form was mailed and to whom. You may also order duplicates from the mailing screen. • Mailing - Click on “Mailing” and a pop-up window will appear.

48. 2 3 1 4 5 • “Mailing History” Screen • Details - If you need to order a duplicate of a form from a prior term, click on the “Details” button. (This has been done above for the 2007 term.) • Hide Details - If you wish to not see the details once you have opened them, you can click on the “Hide Details” button. • Dup - Select the desired form to be duplicated by checking the box to the left of the document that you want to order. • Duplicate - Click on the “Duplicate” button. This will generate a form to be mailed out to your administrator’s office the next business day. • Close - Close window by clicking the “Close” button when complete with review.

49. 1 • “Policy Inquiry” Screen • The “Check/Claim” link provides renewal payment information and any reported claims for a specific policy. • Check/Claim - Click on “Check/Claim” and a pop-up window will appear.

50. 1 2 3 4 • “Policy Claim Information” Screen • Claim Information - is displayed at the top of the screen and will provide brief information, (if applicable) on any claim(s). • Check Information - provides renewal payment information. The check number and dollar amount is displayed, if applicable. • Billing History – This information will not be available to you. You can obtain this data from your administrator. • Close – Click on the “Close” button when you are finished with your review.Note: If there is no information listed it is likely new business and there is no information since this would be an account current policy. This screen is usually used to check the status of payment received on renewal policies.