Number One Agency Newsletter
April 2013

RLI: Your Home Business Clients Are Ready to Hit the Road Again

With Spring here, your crafty clients are gearing up to enjoy another season at their local outdoor markets, craft shows, town fairs and more. Make sure you remind them to keep their business liability (and BPP) top of mind.

You can cover many of these types of businesses very affordably with the RLI Home Business Insurance policy.

With Cinco de Mayo, Mother’s Day, and Memorial Day all right around the corner, you should take this time to make sure your insured’s have the right coverage. Some businesses you might be looking for are:

    • Balloon Art
    • Beverage Vendor
    • Clowns, Magicians,
    • Entertainers
    • Dessert Vendors
    • DJ’s
    • Hot Dog/Pretzel Vendors
    • Photographer/Photography Studio
    • Wedding & Party Planners
    • Floral Arrangement
    • Professional Speakers
    • Candy/Nuts Confections
    • Crafts
    • Gift Delivery Service
    • Glassware
    • Handicrafts
    • Jewelry (Costume)
    • Kitchen Supplies
    • Personal Care Products
    • Personalized Books & Gifts
    • Teachers/Tutors

For further eligibility questions contact Linda Hafner or review the Eligible Business Classes and protect them when they hit the streets this season.

Complete program information can be found at® or, contact Linda Hafner, RLI Program Manager at 800.742.6363 or by email

Liquor: Notes from Hospitality Mutual

NEW & EXCITING News!  Your Hospitality Mutual renewal declarations, endorsements and other carrier notices are now being emailed to your agency!  A greener approach also means faster, more efficient service!  Please be sure we have your policy specific, current email contact. If you need to update, please email Colleen Lahna at

Noteworthy detail – Liquor Liability policies only protect the named insured when they are the HOST of an event. An additional insured would need to be added to cover other hosts at the insured’s location.

For more information about Hospitality Mutual’s Liquor Liability, GL, CP & Excess coverages, contact Colleen Lahna at the Number One Insurance Agency, Inc. at
800-742-6363, or email

E&O: Keys to Being Claim Adverse

Prevention is key to keeping your business away from the stress and cost of an E&O claim.

BE AWARE: The top reasons that claims are filed include…

Failure to Obtain Proper Coverage
Failure to Provide Adequate Limits
Failure to Place Insured at Best Available Terms
Failure to List Additional Insureds
Failure to Properly Issue a Certificate of Insurance

BE EDUCATED: It has been statistically proven that agencies who partake in E&O classes do not report E&O claims as often. Carrier data continues to show that Loss Control Credit measures work AND they can save you dollars on your E&O premium. 

Review the MANY approved courses that are available from MAIA that may qualify you for Loss Control Credit and CE:

BE CONNECTED: MAIA / Number One’s insured’s, you have access to risk management tools & resources!

Utica Policy Holders
Utica National offers their insured’s access to their online Agents’ E&O Resource by logging into  Once there, you can view the latest E&O Claims Frequency, Get some great E&O Tips – short, simple, right to the point, there is a posting of Frequently Asked Questions and a way to “Ask the Expert”.

Swiss Re Corporate Solutions Policy Holders
The Big "I" Professional Liability Program has developed a Risk Management website called EO Happens where you can see what we're talking about! To access this website, you must use your Big I Username and Password.  If you don’t know it, just contact Michelle and Ellen and they’ll help you out.

What will you find there?

Tools Resources
Sample Client Letters  E&O Claims Frequency Data
Sample Agency Procedures  Real-life case studies and analysis
Sample Exposure Check Lists Podcasts on important E&O topics
Agency E&O Self Assessments  Agency Record Retention Guidelines
E&O Tips for Agency Managers,
Producers & CSR's
Agency E&O related articles to share with employees






You can always contact our E&O Department at 800.742.6363 or email Ellen Stoppel at or Michelle St. Angelo at

Reminder: Commission Payments Now Sent via Direct Deposit

We continue to collect and update our records with your agency's direct deposit information. Please make sure that your agency has completed and returned the Authorization for Automatic (Direct) Deposit Form, along with a Voided Check to ensure a swift change-over to direct deposited commissions.

As a reminder, this change will allow us to make commission payments faster and more efficiently to our member agents. Questions can be directed to Ann Tobin, Agency Manager.

Thank you for your cooperation as we make this transition.

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