Commercial Auto in California is about to get even stronger! - Sentinel Approved for California Auto

The state of California has approved the use of Sentinel Insurance beginning with July 1, 2012 effective date policies for new business and October 1, 2012 effective date policies for renewals. Our rating platform is being upgraded on June 9th to support the new rates and rules.

The entrance of Sentinel Insurance combined with changes made over the past year can position your agency to maximize new business sales and help you skillfully protect your customers.

The entrance of Sentinel in CA introduces pricing flexibility...

• Account Credit of 10% will be available for Commercial Auto Policies when the corresponding Spectrum/BOP is written with The Hartford
• Simplified Pricing - including schedule credit of (+/- 25%) will be available for policies with as few as 1 vehicle (previously minimum vehicle count was 10)
• 25 Pricing Tiers enabling you to offer the right price for each customer based upon their individual risk characteristics

And changes made over the past year reinforce our commitment to providing industry-leading products and innovative process and service solutions that respect you and your customers' time:

1st Quarter 2012:

• Enhanced our Broad Form Endorsement - added to all policies at no additional cost
• Broad Form Named Insured to include LLC's
• Hybrid Payment Coverage Expanded to include vehicles operated solely on electric and natural gas and;
• Added Vehicle Vinyl Wrap Coverage
• Strengthened our coverage offering by introducing new rates and rules

December of 2011:

• Re-designed our coverage suspension/reinstatement process to be customer focused - returning premium upon the time coverage is suspended and;
• Eliminated the requirement of entering a complete 17 digit VIN in ICON to quote - now as long as the first 10 digits are correct you can complete the quote and submit for review if needed

Conversion of Current Customers to Sentinel:
To ensure renewal customers receive the best possible coverage and premium possible, all policies with effective dates of 10/1/12 and later will be converted to Sentinel Insurance upon expiration of their current policy.

Uninsured Motorists Coverage - upon conversion, if the uninsured motorist (UM) limit is less than the Liability limit, we will increase the UM limit to match the Liability Limit. A supplemental application will be provided to the customer with the renewal giving them the option to select a lower limit by completing and returning the application to The Hartford.

Contact Your Hartford Representative for more details.