FAQs

ezumbrella.com

What is ezumbrella.com?

ezumbrella.com is a revolutionary and competitive tool allowing insurance professionals to quote, bind and issue commercial umbrella policies on-line underwritten by Zurich, a leading property-casualty insurer, and Preferred Concepts, LLC, a premier provider of insurance services and programs.

Where is coverage available?

ezumbrella.com provides coverage in 49 states. At this time coverage is not available in Vermont.

What limits of coverage are available?

ezumbrella.com currently offers umbrella limits of five (5), ten (10), and twenty five (25) — million dollars as per American Guarantee Form U-UMB - 103- B CW. Coverages provided only to the extent that the primary carrier is providing coverage as stated in the Underlying Requirements. Each individual participant will receive an individual certificate of insurance, and is covered for individual limits of insurance.

Preferred Concepts, LLC

Who is Preferred Concepts, LLC?

Preferred Concepts, LLC specializes in providing agents and brokers nationwide with quick and efficient access to insurance placements and programs from top-rated carriers -- placements and programs that reflect optimal terms and conditions, sensible pricing, and service and expertise that goes above and beyond any you'll find elsewhere.

Carrier Information

Who is the carrier providing coverage?

Coverage for each Product Group is available through an insurance policy issued by American Guarantee and Liability Insurance Company, a member of Zurich, to a purchasing group in accordance with the Federal Liability Risk Retention Act (15 U.S.C. §901).

What rating is required of underlying carriers?

Underlying carriers must be rated A-VII or better. Employer's Liability carriers must be rated B+V or better. For more specific information link to the Product Summary section located within the blue navigation area at the top of the web site.

Producer Administrative Topics

Who may access ezumbrella.com?

ezumbrella.com is available for retail insurance brokers throughout the entire United States. This program is currently unavailable for Wholesale, MGA and third party administrators.

How does an agency register for ezumbrella.com?

To register for ezumbrella.com link to the "Producer Registration" section located on the right hand side of the screen. Click the link "Register Online" and complete online application to receive a temporary user id. To obtain Full Producer Status you must submit a signed producer agreement, Errors and Omissions declaration page, an agency principle’s license and a list of licenses. These documents can be e-mailed to sales@ezumbrella.com or faxed to 646-218-3200.

Why did I not receive a temporary user id after I completed the online registration?

Your registration has been referred for supervisory review. Please e-mail sales@ezumbrella.com or call toll-free 866-308-8555 to review your registration.

Do agencies pay a fee to register or use ezumbrella.com?

No, there are no fees of charges required of an agency to register or utilize ezumbrella.com

Are there minimum production requirements for an agency to utilize ezumbrella.com?

No, there are no minimum premium or submission requirements on ezumbrella.com.

Do I need to register and obtain a user id for each individual in my office?

No, ezumbrella.com assigns one user id per office location.

Types of Eligible Business

What classes of business can be submitted on ezumbrella.com?

The eight general classes of business available to submit on ezumbrella.com are Construction, Hospitality, Manufacturing, Real Estate, Restaurant, Retail, Service and Wholesale. For specific available sub-classes please link to Industry Groups section located within the blue navigation area at the top of the web site, click on Eligible Classes. For more specific class eligibility questions please e-mail underwriting@ezumbrella.com.

Are underwriting guidelines available for each specific industry class?

Yes, link to the Industry Groups section located within the blue navigation area at the top of the web site. Click on U/W Guidelines for industry specific underwriting parameters.

Website Usage Information

How do I submit an application on ezumbrella.com?

You must be a registered producer to access applications. Log on to ezumbrella.com then click on "Create an Application". Once through clearance, temporary producers can complete an Ezapp and full producers should choose Full App. For specific details link on the How to use this website section located within the Quick Links section of the web site.

What is an Ezapp?

This application was created for ezumbrella.com temporary producers. The Ezapp allows an agency that has not yet submitted the required documents to be a full producer, to receive an indication for umbrella premium. Specific industry class information is not considered on an Ezapp and therefore does not guarantee a quote will be offered. Full producers should always utilize full applications.

Do the Umbrella effective date and General Liability date need to coincide?

No. Ezumbrella.com can provide mid-term or short term coverage. For more information please e-mail underwriting@ezumbrella.com

What should I do if I receive a "Referral" after submitting an application on ezumbrella.com?

Certain underwriting guidelines need to be reviewed by an ezumbrella.com supervisor. Please e-mail underwriting@ezumbrella.com or call toll-free 866-308-8555. Have your application id number or Insured’s full name available when contacting ezumbrella.com. Most accounts can be addressed within a few hours, many within minutes.

What should I do if I receive a "Declination" after submitting an application on ezumbrella.com?

Certain underwriting guidelines have not been met, or you may have made an error on your application. Please e-mail underwriting@ezumbrella.com or call toll-free 866-308-8555. Have your application id number or Insured’s full name available when contacting ezumbrella.com.