ZAS
LARGE RISK
-
Underwriting
Guidelines
Due
to the many classes of
business we will
entertain and the varied
exposures presented by
large accounts, the
specific underwriting
guidelines by line of
business could be
numerous.
The following
guidelines will
generally apply to all
accounts.
•
No
bankruptcy proceedings
for the past seven
years, financially sound
•
Management
with at least five years
experience
•
Formal
safety program in place
•
No coastal
property, tier-one wind
counties, within 25
miles of the shore,
unless excluding wind
coverage
•
No EQ in
high-risk zone 1, EQSL
may be available
•
ISO
construction class 1 and
2 must be sprinklered if
total insured value
exceeds $3milllion
•
No
Protection Class 9 &
10, unless incidental to
overall account
•
Management
reviews driving records
and enforces
acceptability standards
to retain driving
responsibilities
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