Z.stream Business Insurance - Broker User Guide
Contents
1. TEST T AGENT 30 07 2015 to 30 07 2016 30 07 2015 29 08 2015 30 07 2015 Page 6 Adding Situations Vehicles Management Liability and Business Travel Select the number of situations motor vehicles and select yes if Management Liability and or Business Travel require cover You can add multiple situations motor vehicles and one management liability and business travel to the quote policy If the insured is operating from 2 locations both requiring cover then the correct selection is 2 situations Select contract of insurance required Cluster specific contracts will be shown here Do you wish to import from an existing quote Where a quote has been manually provided by Zurich or if the quote was entered by your office using the Z stream Web Direct portal you can import the quote details to avoid re entering the data To use this option select Yes enter in the quote number and press Import quote details This doesn t give you the exact quote it only provides the data associated with the imported quote You will still be required to recalculate and finalise the quote Account If only one account exists this will be added by default into this section If more than one account exists for your brokerage you will need to select an account from the drop down list All accounts will have account descriptions Account name Once you have selected the account then the account name is automatica2. Coverage details Indemnity period moanthsj Actual income Payroll 2 Payroll CD 3 Optional extensions Accounts receivable book debts Additional increased cost of working Additional claims preparation costs Cost of goodwill 7 EA JE Total sum insured Extension to other premises 1 Endorsements Add Remove Financial summary Base Total Payable lt Previous Delete risk Add referral Add page notes 8 Calculate Business Interruption Coverage details Cover bype UD Indemnity period weeks Average income per week W dj Optional extensions Increased cost of working CE ml El Total sum insured Endorsements Add Remoye Financial summary Base Total Payable lt Previous Delete risk Add referral Add page notes gl Calculate External ZBI Broker Guide v13 2 Page 14 Cover type Income Income Select the cover type from the drop down list Note Refer to the appropriate policy wording for coverage details Actual income The income figure selected in this section should reflect the total income for the Indemnity Period selected e Annual income 1 2 million e 6 months indemnity period 600 000 e 12 months indemnity period 1 200 000 e 18 months indemnity period 1 800 000 Payroll Select the of normal payroll costs requiring cover during the indemnity period Note Dual Wages basis of settlement is not catered f
3. Select vi Identification Is the vehicle registered Select si Rego no Engine no gt WIN Chassis no gt Drivers Are there any drivers under 25 years Select ni First Name Surname Year of Birth Endorsements Add Remove Interested parties Select a Financial summary Base Total Payable lt Previous Delete risk Add referral Add page notes lg Calculate External ZBI Broker Guide v13 2 Page 34 Business search Select an occupation by typing the occupation description in this field Note The system requires a minimum of 4 alphanumeric characters to execute the search The occupations matching your selection will be listed Select the correct occupation from the avallable occupations list Once you have selected the occupation the ANZSIC Business Occupation and Business description fields will be automatically populated Business to print on policy If the standard business occupation and business descriptions are insufficient enter full business description here Note This will require Zurich acceptance Garaging Address Select the suburb state and postcode pertaining to where the insured vehicle is garaged whilst not in use Cover type Select the cover type from the drop down list Vehicle Search For registered vehicles enter the registration number and click Search This should return the details of the vehicle Check that these detai
4. Enter description J Optional extensions Cost of restoring data Increased cost of working A El ee PART B Breakdown Coverage details Office computers equipment fexcluding laptops 10 000 A Optional extensions Cost of restoring data Increased cost of working EA VE Total sum insured PART A B 20 000 Excess Excess dani 250 Increased cost of working excess Y 24 Hours Financial summary Base Total Payable lt Previous Delete risk Add referral Add page notes LS Calculate External ZBI Broker Guide v13 2 Page 30 5 PART A Cover Refer to the appropriate policy wording for coverage details Laptops If cover for laptops is required enter the total combined sum insured for all laptops Note Breakdown cover is not available for laptops Other insured property If cover is required for other electronic equipment that cannot be designated to the categories provided laptops or office computers and equipment enter the property description and total sum insured Note Zurich acceptance will be required if this cover is selected Optional Extensions If cover for the Cost of restoring data and or increased cost or wording is required enter the Sum Insured gt PART B Cover Refer to the appropriate policy wording for coverage details Office computers equipment excluding laptops Enter the total sum insured for computers and equipment at the ins
5. Situation Address Enter the situation address Google Maps This function allows you to check the location of the risk street view where available can assist in risk assessment Click on the Google Maps Icon to show the risk location on the Google Maps website Where is the situation located Select from the drop down list e Street Frontage Office Retail Ground floor street frontage of retail or an office Property owners of retail tenants e Non Street Frontage Office Retail To be used if the tenant is above the 1 floor and is a retail or office occupation e Shopping Centre Street Frontage A retail shop that has access from the street or lane way etc e Shopping Centre Non Street Frontage A retail shop that does not have any external entry points The only entry point is within the shopping complex Industrial Commercial Estate Property owner or tenant within a factory or warehouse Outside Metropolitan Remote areas normally not connected to town water e Other All other locations not within the described External ZBI Broker Guide v13 2 Page 9 Seasonal increase This field provides the option to alter the standard Seasonal Increase cover provided in the policy wording by selecting the months of the year required The policy wording for the selected risk sections of Fire Burglary Money and Engineering provide an automatic increase to sum insured selected excluding cigarettes and tobacco fo
6. ZURICH Z stream Business Insurance Broker User Guide ii men nn EN zur gt Ze NN A W A 4 4 N N External ZBI Broker Guide v13 2 Page 2 Contents oe a E I A 4 luana si ia de 5 Fil cca i ina 6 I SE O tete AA RR cas 6 lele fl RO OR NANI E NARA E 12 A ERE 14 A AS A A 18 A e ERE II 20 ee E A EAE A A E E S 22 a o AA tia Voet 24 so A EIA 26 EU A e PIO E acces cep a gad ade pve sg esses AIA 28 PROCE tiraera e id tae en ile 30 Interested PartieS iiiiiiiiiiiiieieeuereeneeenecenecenneeeneceuecenneeeneceneeeaneeeneceneeeeneeeeceueceee 32 O SAR A 34 Management USING di a a ieh 38 Business ia 40 ELE CI ee 0 de ucts EAE ie e E E ee 42 987 eee ET tune 44 ew ARR TOTTI 46 Ul le ee ii iran ar 48 SPP TO a 50 O A A I MET 50 A ve IAA INI 51 i A 5 Convert Quote To Cover NOTE ins ii ii ii E i 51 Convert Cover Note to New BUSINESS cri ia 51 52 FA a SA re A 52 Introduction Z stream has been developed to provide a simple and sophisticated method for you to transact Zurich s Business Insurance product This user guide has been developed to give you a detailed explanation of the functionality available within the system Should you have any questions that are not covered in this user guide please speak with your Zurich representative External ZBI Broker Guide v13 2 Page 3 Navigation Fu nctions and Alerts Navigation around Z stream couldn t be easier Below
7. Political Unrest and Natural Disaster Evacuation Aggregate vehicle Excess Waiver Personal Liability Kidnap and Ransom Limit a Weekly compensation Limit bj Total limit of liability any one accident Limit c Aggregate limit of liability Endorsements lt Previous Deleterisk Addreferral Add page notes External ZBI Broker Guide v13 2 Yes Ves 2 000 gt 156 Weeks 10 000 gt Unlimited ooo gt 10 000 y 10 000 y 5 000 y 500 gt 3 000 gt 25 000 M 100 000 sE E Fo H Es E sto E 1 000 000 yl 1 000 000 gt Base Total Payable Full Price Package Discount Excess sb y Page 40 External ZBI Broker Guide v13 2 Page 41 Business search Select an occupation by typing the occupation description in this field Note The system requires a minimum of 4 alohanumeric characters to execute the search The occupations matching your selection will be listed Select the correct occupation from the available occupations list Once you have selected the occupation the ANZSIC Business Occupation and Business description fields will be automatically populated Business to print on policy If the standard business occupation and business descriptions are insufficient enter full business description here Note This will require Zurich acceptance Business Address Select the suburb state and postcode of the Insu
8. you will find an introduction to the Navigation menu along with the common alerts and buttons relating to system functionality 4 3 Zurich Business Insurance a 7 BLUE STREET NORTH SYI ES Fire 9 Interested parties Vehicle 1 BBB11R Management Liability C Business Travel Premium summary Insured details Underwriting questions CH Complete 4 3 Tools Attachments The left hand panel referred to as the Navigation menu is where you will find the various screens and sections that relate to the product The Zurich Business Insurance section contains various screens relating to the policy contracts of insurance selected and its coverage The Tools section allows you to add attachments Alerts Various alerts will be displayed in the navigation menu based on mandatory information requirements and referral triggers A red asterisk highlights the 4 C Burglary e o mandatory fields required to E Referral The red flag in the navigation complete the transaction menu indicates that a referral has been generated in that particular section and requires further underwriting consideration dl Burglary a Burglar 3 The green s flag in the glary The red flag with an X E in the Kg Referral Ex Referral navigation menu indicates that the transaction has been declined navigation menu indicates that the referral has been approved The Es icon in the navigation menu alerts you to man
9. Insurance Limited ABN 13 000 296 640 AFS Licence No 232507 Head Office 5 Blue Street North Sydney NSW 2060 Client Enquiries Telephone 132 687 www zurich com au ZURICH
10. be displayed in red Select the correct occupation from the available occupations list Once you have selected the occupation the ANZSIC Business Occupation and Business description fields will be automatically populated You must enter the Turnover Number of employees and Situation Address in the fields provided Note When the ANZSIC code is selected the system automatically adds the risks as per the ANZSIC code selection these risks can be removed or extra risks can be added Also in property details walls roof and floor are automatically populated as per the ANZSIC code selection These selections can be changed by clicking on the drop down arrow ANZSIC Enter the ANZSIC code for the business The system pre populates the ANZSIC based on the business type selected Turnover Enter turnover for the situation that is being insured Number of Employees Enter the number of employees for the situation that is being insured Business details ARNZSIC 57306 Business description Permanent Food service operation no liquor license Business Occupation Cafes Over 100 Seats Business to print on policy Cafes Over 100 Seats Turnover Number OF Employees Property Owners Some Property Owners occupations will require you to add tenant s details e g Tenant s business details Are there tenants ANZSIC Business Occupation Business description Add
11. passes Alarm local Alarm monitored by insured only Alarm digital dialler monitored by security company Excess Excess hasi Y Financial summary Base Total Payable lt Previous Delete risk Odd referral Add page notes External ZBI Broker Guide v13 2 sol LA Calculate Next gt Page 18 Cover Refer to the appropriate policy wording for coverage details Contents incl stock Contents including stock are not available with contents excluding stock or stock in trade Cigarettes Tobacco Cigarettes and Tobacco are specifically excluded from Stock A separate declared sum insured must be entered for cover to be provided Specified items Zurich will pay up to the sum insured selected for specified item s in addition to limits selected for other categories of cover Note Zurich acceptance is required Security Select the security features that are present at the situation which are in working order Excess This is the total excess deductible for the risk The value is expressed in dollars only You may accept the standard excess or choose a voluntary excess from the drop down list External ZBI Broker Guide v13 2 Page 19 Policy Money Money Coverage details Do you want blanket cover Blanket cover Money in transit On premises business hours On premises outside business hours On premises locked in safe Money in your custody 3 Specifie
12. that patrols the grounds documents 15 06 2010 15 33 e History of comments will list all historical Broker comments on the save Cancel referral e System generated referrals cannot be removed di amp Zurich Business Insurance a 0 Situation The green referral flag shown on the left hand navigation panel indicates that the referral has been a Burglary approved No further action is required Kg Referral a Interested parties Chia Premium summary Insured details Chia Underwriting questions Chia Complete di Es Tools 0 Attachments External ZBI Broker Guide v13 2 Page 5 Policy Zurich Business Insurance Zurich Business Insurance Please select the products and contracts of insurance you require Business Insurance Number of situations to be insured Motor Insurance Number of vehicles to be insured Management Liability Business Travel Insurance Quote import Do you wish to import from an existing quote Policy details Policy period Effective date Valid to Transaction date Name of holding underwriter Are you the holding broker Insured details Client ref Insured name lt Previous Add referral Add page notes External ZBI Broker Guide v13 2 Contract of insurance Zurich Business Insurance Sii Aci me Zurich Management Liability Insurance Zurich Business Travel Insurance No zi 2019789 TEST T AGENT
13. will be lost Note If you press Save and Exit you will be taken back to the broking system where the transaction will be in an incomplete status External ZBI Broker Guide v13 2 Page 4 Referrals 4 pS Zurich Business Insurance 4 0 Situation j j 9 When a red referral flag is shown on the left hand navigation panel the transaction must be a Burglary i a u E Referral referred to Zurich for manual rating To review the referral details click on the Referral icon and interested patios you will be presented with the Referrals pop up window See below 3 Premium summary Insured details Underwriting questions Complete 4 Tools 3 Attachments The Referrals pop up window contains current and historic referral information e You can review detailed information relating to an individual referral and the referral decision within the Message section of the Referral Referrals pop up If a risk is declined you will Message Decision not be able to proceed with this risk 3 Burglary Underwriter s decision can be included for referrals This can be a plete commer ema useful way to record underwriting CI H information relating to each referral a and can assist Zurich in making an scenes underwriting decision Note These 3 History of comments on this referral i i comments will not print on policy Decision Comment eBix Exchange User eBix000 There is a night watchman
14. Commodore VE II SS Y Redline Sportwagon Sdr Man 6sp 6 01 Commodore gt ld 4 Page p of2 gt mM Displaying 1 25 of 39 Yehicle details For sedans SW and vehicles uo fo 51 please use fle venioe search above fo try fo locate pour venice Type Class Maket Model Year External ZBI Broker Guide v13 2 Page 35 Make Enter the name of automobile manufacturer e Holden Ford Toyota etc Family Enter the vehicle family e Commodore Falcon Corolla etc Model Enter details of the vehicle model i e VN Sedan 4DR 3 8LTR EA Il GL Sedan AE 90 CS Hatchback etc Accessories Select the factory fitted accessories for this vehicle Non factory fitted accessories and modifications If accessories are non factory fitted or if modifications have been made select the appropriate categories from the drop down lists and then complete a description of the non factory fitted accessory or modification and enter the value Engine no Either engine number or VIN Chassis number are mandatory VIN Chassis no Either VIN Chassis number or engine number are mandatory Underwriting questions Certain vehicle types may require additional underwriting questions to be completed e g Underwriting questions 7 Is the vehicle plant involved in work at locations above the 26th degree parallel in Western Australia or Select the Northern Territory Is your vehicle plant involved in the carriage or use of the followi
15. Underwriting questions General Underwriting Questions Has the Insured or any directors or officers 1 Sustained more than 3 losses or had losses totalling in all more than 5 000 in the last 3 years for those sections to be insured by this contract excluding motor vehicles and management liability 2 Ever had an insurance policy cancelled declined or terms imposed 3 During the past five years a been dedared bankrupt b been convicted of a criminal offence Situation Underwriting Questions Has the Insured or any directors or officers 1 Entered into and SIGNED any contractual or Hold Harmless agreements that may affect our rights of recovery against other parties other than the following types of contracts a contract which releases any government semi government or municipal authority body from any liability contracts for storage of goods or merchandise lease agreements for the occupancy of any building or part of a building or lease or hire of property Le Motor Underwriting Questions Have any of the persons who will drive any of your Vehicles Plant 1 Had any convictions for driving under the influence of alcohol or drugs DUI and or exceeding the prescribed content of alcohol PCA in the last 3 years 2 Had a licence suspended or cancelled in the last 5 years 3 Had any motor claims or accidents in the last 3 years 4 Been convicted of a total of more than 2 tr
16. affic offences excluding parking in the last 3 years Management Liability Underwriting questions Claims Details 1 Year business was established Has the Insured or any directors or officers 1 Have you ever made any daim s 2 Are you aware of any claim or circumstance which may give rise to be a daim 3 Have you ever suffered any loss resulting from any internal fraud or dishonesty lt Previous External ZBI Broker Guide v13 2 Page 46 Underwriting questions Answer all underwriting questions If Yes is answered provide full details for each relevant question Entered into any contractual or Hold Harmless agreements that may affect our rights of recovery against other parties Has the insured entered into a contract to perform work for a principal or another party If so the particulars of the contract details in respect to any Hold Harmless or Waiver of Subrogation agreements will require clarification and referral to Zurich E Year the business was established This question is for Management Liability contract of insurance and is required to be answered External ZBI Broker Guide v13 2 Page 47 Policy Complete Complete Policy details Closing number Documents available to print Certificate of Currency PDF On Accept Customise New Business Schedule PDF On Accept Proposal PDF On Complete Policy status Policy stage New Business Underwritin
17. al website for searching for ABNs Note Once you have found your ABN you must copy the ABN from the external website and paste the number into the ABN field within Z stream If the business does not have an ABN enter the Insured Name and all other relevant information Insured name Details default from the Zurich Business Insurance policy details screen You are able to remove or add trading names that have been automatically populated by selecting the Add or Delete buttons that are available in that section ACN Does the insured have an Australian company number If you have the 9 digit number enter it in this field If you do not have the ACN select Search ASIC which will open an external website for searching Australian Company Numbers can be located from this link using the insured s details Insured mailing address c o intermediary If you select Yes the mailing address of the intermediary is populated into the relevant address fields If No is selected then the mailing address of the client is populated into the relevant address fields Google Maps Enter the risk location select the Google Maps icon and Google Maps will show you the risk location on the Google Maps website Insured contact details Some details are populated by the broking system However you are able to add new or additional information as desired External ZBI Broker Guide v13 2 Page 45 Policy Underwriting Questions
18. an be noted here Note Zurich acceptance is required Do you want to note the interest of a third party This section provides the facility to include the name of a Principal or Lessor Liability Questions All questions are defaulted to No This can be changed by clicking on the drop down arrow Endorsements Select Add Remove to display the pop up window containing the full list of endorsement options Select appropriate endorsements for the risk External ZBI Broker Guide v13 2 Page 17 Policy Burglary Burglary Coverage details Contents incl stack 2 1 Contents texel stack 7 Stock in trade Z Cigarettes Tobacco E Specified items Enter description 9 000 Mo O Total sum insured 9 000 E Optional extensions Theft without Forcible and violent entry LE Additional damage to premises OO OO OO OO DO DO 002 Security No security Perimeter doors deadlocks security locks Roller doors padlocks Windows bars grilling on ground floor amp any other accessible windows Windows internal keylocks on ground Floor windows amp any other accessible windows Ram raid barriers Perimeter security Fence with locked gates After hours security lighting Security company patrols after hours Fulltime watchman security guard fon site 24 hours Closed circuit TY internal Closed circuit TY external Access control e g electronic security
19. ccupation chosen The following questions are asked for all occupations Is the property situated outside of the town water supply Answer Yes if the property to be insured is not connected to a town water supply Does the property have Approved Fire Sprinklers designed for the occupation at the premises Sprinklers must have been designed for the current occupancy in conformance with AS2118 and be connected to a fire brigade alarm monitoring service Note Fire Protection systems are subject to regular maintenance in accordance with AS1851 2005 maintenance of fire protection systems and equipment If this question is answered Yes additional questions will need to be answered e g Does the property have Approved Fire Sprinklers designed for the occupation at the premises Does it cover 100 of the floor space Does the property have monitored Smoke or Heat Detectors Hard wired smoke or thermal detectors should be provided throughout the property in accordance with AS 1670 subject to monthly testing by an experienced fire protection contractor and connected to a fire brigade alarm monitoring service In some low risk occupancies a non compliant system monitored by a security company may be acceptable but any deviation from a full fire brigade alarmed system must be advised to Zurich Note Fire Protection systems are subject to regular maintenance in accordance with AS1851 2005 maintenance of fire protection systems and equi
20. code p a Coverage Limit Deductible Section 1 ta Insured Persons Liability 1 000 000 T 2 500 Section 2 Company Liability 1 000 000 r 5 000 Sect fon 7 A Employment Practices Liability 500 000 T 7 500 Optional Extensions Limit Deductible Section 4 Statutory Liability 5 100 000 7 500 Section 5 Internal Crime 100 000 T 7 500 Section 6 ee Internet Liability 1 000 000 r 2 500 Section 7 Cyber Security and Privacy 100 000 T 5 000 Aggregate limit to apply to policy Y 1 500 000 Management Liability questions Do you have a parent or any subsidiaries located outside Australia No LA Has the insured completed or currently undergoing any significant organisational change e g Merger No acquisition divestment employee layoffs early retirement or redundancies gt 5 Do you want the insolvency exclusion removed No r Are firewalls installed between all wireless networks and systems Yes T Does the Insured limit the amount of personal customer data they hold to only that information which is Yes LE necessary in conducting their business Does the Insured use anti virus and security software on all systems that is updated with the latest Yes T security patches Are there any companies listed as an insured that are not a related entity to the insured s business i e No vo they are not a subsidiary or do not have a directo
21. d items Enter description J Optional extensions Additional damage to safe strongroom Excess Excess basic Financial summary Base Version Payable Version Base Period Payable Period lt Previous Deleterisk Add referral Add page notes External ZBI Broker Guide v13 2 Page 20 Cover Select the cover type from the drop down list Note Refer to the appropriate policy wording for coverage details Underwriting questions Additional underwriting questions may apply based on the sum insured selected e g Underwriting questions 2 Es Is any money left overnight Selert Number of banking days a week Select zi Who banks the money Select Is there an ATM on location Select gt Excess This is the total excess deductible for the risk The value is expressed in dollars only You may accept the standard excess or choose a voluntary excess from the drop down list External ZBI Broker Guide v13 2 Page 21 Policy Glass Glass Coverage details Glass covering Where is the situation located Internal amp External Street Frontage Office Retail Optional extensions Increased cover on advertising signs D Increased additional benefits Increased cover on damaged stock Following glass breakage lt Previous Delete risk Add referral Add page
22. datory information that is missing Where this appears in the navigation menu a more detailed explanation will be shown at the top of the Zurich Business Insurance respective screen For example Situation ES Where is the situation located is required Bottom Panel At the bottom of the screen you will find another menu containing a number of functional and navigation options Click to add page notes These print on 2 Calculate A yellow alert A indicates a calculation Add page notes ee is required Press Calculate to refresh or calculate the premium Done Select Done to complete the Net rate Allows you to net rate the quote policy transaction This will automatically take you back to your broking system Delete Situation Allows you to delete a situation Standard commission Allows you to re apply standard eo commission to the quote policy Delete risk Allows you to delete a risk E Previous Allows you to return to the previous Add referral Allows you to add a manual referral screen Allows you to move to the next screen Saving and Exiting Users can choose to select the Done button shown above or they can use the Save and Exit buttons at the top right of the Z stream screen Save a as Exit The Save option allows you to intermittently save your work without exiting This exits the transaction any unsaved data
23. e Interested Parties e Premium Summary e Insured Details e Underwriting Questions 4 Go to the Complete screen 5 Select any documents you want to have printed Quotation Schedule and Proposal documents can be selected 6 Press Done this will return you to your Broking System Confirm Accept the transaction Convert Quote to Cover Note 1 Select Convert Quote in the Broking System and launch the product 2 If no details need to be changed in the transaction proceed to the Complete screen 3 Change Close Now to No 4 Select any documents you want to have printed Cover Note and Proposal documents can be selected 5 Press Done this will return you to your Broking System Confirm Accept the transaction Convert Cover Note to New Business 1 Select Amend Policy in the Broking System and launch the product 2 lf no details need to be changed in the transaction proceed to the Complete screen 3 Change Close Now to Yes 4 Select any documents you want to have printed New Business Schedule Certificate of Currency and Proposal can be selected E Press Done this will return you to your Broking System Confirm Accept the transaction External ZBI Broker Guide v13 2 Page 51 Endorsements 1 Select Endorsement in the Broking System and launch Z stream 2 When Z stream launches complete any changes as required within the product and press Calculate No
24. emium per situation Policy Indicates total policy premium Commission If you wish to alter the standard commission amend the required and recalculate Stamp duty exempt Is this client exempt from stamp duty If so attach stamp duty exemption form s Note Zurich acceptance will be required Net Rate Allows you to net rate the quote policy External ZBI Broker Guide v13 2 Page 43 Policy Insured Details Insured details Client reference Broker Guide O Insured details Search Australian Guanes fagiter ABN 7 Search Advanced ABR Search e Search ASIC Insured name Broker Guide malas ABM ACN State business register no State of registry Mailing address Insured mailing address Wes cio intermediary Suburb State Postcode NORTH SYDNEY Unit Mo Floor Building Street No Name BLUE STREET Insured contact details Contact name Business phone Email address Private phone Website Fax lt Previous External ZBI Broker Guide v13 2 Page 44 Client reference Details default from the Zurich Business Insurance policy details screen ABN If an ABN exists for the client enter the ABN number 11 digit number in the ABN field To validate the ABN select the Search button This will populate various fields see Insured Name Trading Name section below Alternatively to search for a company ABN select the Advanced ABR Search link which will open an extern
25. g status Complete Some of the details on this quote may have been pre populated Please check and ensure that all information is relevant to the insured s circumstances Previous External ZBI Broker Guide v13 2 Page 48 ED Closing number Enter the closing reference number in this section Close Now This option relates to producing a Cover Note or a New Business policy Selecting No will leave the New Business as a Cover Note Selecting Yes will change the transaction type to a New Business policy once it has been contirmed accepted in your broking system allowing you to skip the Cover Note stage Documents available to print Based on the transaction type and status the system will present you with a list of documents available to print Select the documents you wish to have printed When exiting the product you will be able to retrieve the documents from your broking system Note Certificate of Currency documentation is available for print at risk level Certificate of Currency Situations and Risks selection i Situation 1 M Situation 1 I Liability TT Glass MW Fire Certificates of Currency Certificates of Currency can be generated at each risk level Under Documents available to print select tick Certificate of Currency Click Customise this will launch the Certificate of Currency Situations and Risks selection pop up window Select the Situati
26. ide v13 2 Page 28 Cover Refer to the appropriate policy wording for coverage details Total number of units at situation The number of situations is pre populated as per the ANZSIC code selected You can change the total number of units located at the insured s premises by typing the number Limit per unit The Limit per unit is defaulted as per the ANZSIC code selected This can be changed by clicking on the drop down arrow and selecting another value The selected figure represents the maximum Zurich will pay per unit Note The largest value unit located at the insured s premises should not exceed the specified limit selected Total asset value The Total value is pre populated as per the ANZSIC code selected This can be changed by entering the value Enter the total combined asset value for all Plant Units located at the insured s premises ES Excess The excess is defaulted to 250 This can be changed by clicking on the drop down arrow and selecting another value This is the total excess deductible for the risk Increased Cost of Working excess is in addition to this amount You may accept the standard excess or choose a voluntary excess from the drop down list External ZBI Broker Guide v13 2 Page 29 Policy Electronic Equipment Electronic equipment PART A Material loss or damage Coverage details Laptops Office computers equipment excluding laptops 10 000 A Other insured property please specify
27. lly populated within this field Name of holding underwriter Select the name of the holding Underwriter from the drop down list Are you the holding broker Select either Yes or No trom the drop down list Client ref This is the reference used to identify the client Insured name Enter the name of the Insured External ZBI Broker Guide v13 2 Page 7 Policy Situation Situation amp Business details Business search 1 Turnover Number OF Employees ES Situation address Suburb State Postcode Unit No Floor Building Street No Name where is the situation located Seasonal increase 2 rT lt lt TYTTTS Search suburb or postcode P Search street name Select Select Select Select E Please select one or more risks to add to this situation Fire Business interruption Fire risk is required Liability Burglary O Money Business special risk Employee fraud n Engineering I Electronic equipment TO Glass lt Previous Delete situation Add referral Add page notes External ZBI Broker Guide v13 2 Page 8 Business search Select an occupation by typing the occupation description in this field Note The system requires a minimum of 4 alphanumeric characters to execute the search The occupations matching your selection will be listed including any total or partial decline occupations which will
28. ls are correct and click on the link to select If the registration or vehicle details are incorrect you can click on Not this vehicle and select a vehicle type from the drop down list Additional vehicle type information will need to be completed based on the specific vehicle type class that is chosen Vehicle details If either Sedans Four Wheel Drives or Vehicles up to 21 are chosen as the vehicle type class an additional field of Vehicle search is available Enter the make type and year of the vehicle into the field The vehicle descriptions matching your selection will then be listed Select the correct vehicle description from the list Once the vehicle description has been selected the Make Family Model and Year fields will be automatically populated Registration Number Vehicle Details Vehicle Search Yehicle details Type Class Sedans ES _ Redbook O Non Redbook Vehicle search Holden Commodore 2010 A Holden YE II Omega Sedan 4dr Auto 4sp 3 6PLi Commodore VE II Omega Sedan 4dr Spts Auto 6sp 3 0i Commodore YE II Omega Sportwagon Sdr Spts Auto 6sp 3 01 Commodore VE II 55 Sedan 4dr Man 6sp 6 0i Commodore VE II 55 Sedan 4dr Spts Auto 6sp 6 01 Commodore VE II 55 Sportwagon Sdr Man 6sp 6 01 Commodore VE II 55 Sportwagon Sdr Spts Auto 6sp 6 01 Commodore YE II 55 Y Redline Sedan 4dr Man 6sp 6 0i Commodore VE II 55 Y Redline Sedan 4dr Spts Auto 6sp 6 01
29. ng flammable liquids gases chemicals or explosive substances Select Identification Information will need to be completed Rego Number Type in the registration Number Engine no Enter the Engine Number VIN Chassis no Enter the VIN Chassis number Coverage details Dependent on the cover type chosen additional information will need to be completed Insured basis Select from the drop down list Note Refer to the appropriate policy wording Sum insured includes all accessories This is the sum insured exclusive of GST and including all accessories used for the vehicle insured basis at this time No claim bonus Select the no claims bonus from the drop down list Third party liability Select the no claims bonus from the drop down list Note This is defaulted to 30M Are there any drivers under 25 years Select either Yes or No from the drop down list If Yes is selected fill in the driver s details Endorsements Select Add Remove to display the pop up window containing the full list of endorsement options Select appropriate endorsements for the risk External ZBI Broker Guide v13 2 Page 36 Notes External ZBI Broker Guide v13 2 Page 37 Policy Management Liability Management Liability Business details Business search Y 1 P Turnover Y Number Of Employees Y Is your company Select T Business address Suburb State Postcode Search suburb or post
30. notes External ZBI Broker Guide v13 2 Page 22 Cover Select the cover type from the drop down list Note This is defaulted to Internal amp External This can be changed by clicking on the drop down arrow Where is the situation located This information defaults from the Situation screen and is non selectable O Excess This is the total excess deductible for the risk The value is expressed in dollars only You may accept the standard excess or choose a voluntary excess from the drop down list External ZBI Broker Guide v13 2 Page 23 Policy Business Special Risks Business special risks amp Coverage details Restricted cower 7 Fire excluded 7 A Unspecified items Unspecified items 2 dj Specified items LAPTOPS Laptops Total sum insured Excess Excess hast Endorsements Add Remove Financial summary Base Total Payable lt Previous Delete risk Add referral Add page notes Calculate External ZBI Broker Guide v13 2 Page 24 Cover Refer to the appropriate policy wording for coverage details Fire excluded If this limitation is selected then damage due to fire is not covered Unspecified items Cover for any one item is limited to the amount afforded by the policy wording If this figure is insufficient the item should be specified When this cover is selected the maximum sum insured Zurich will pay is the amount specified Exce
31. on and Risk s that you want a Certificate of Currency for Click Save Once you have clicked Done and contirmed accepted the transaction in your broking system you will then be able to view each selected Certificate of Currency document Certificate of Currency is not available for Management Liability Policy status This shows you the transaction type and status External ZBI Broker Guide v13 2 Page 49 Tools Attachments Add attachments Name Type Select Description Attachment Adding Attachments Relevant documents e g claims experience declarations quote slips etc can be attached to the policy transaction via the attachments section 1 Enter the name of the document 2 Select the document type from the drop down list 3 Enter a description of the document 4 Select Browse to attach a document from a directory on your PC 5 Click Attach to complete the process The document will then be available for viewing by Zurich To view a previously added document select the attachment and double click to open External ZBI Broker Guide v13 2 Page 50 Processing Quotations 1 Launch the Z stream Business Insurance product from your Broking System 2 Complete the details on the Zurich Business Insurance screen and select the number of situations and risks that require cover 3 Complete all relevant details on the following screens e Situation s e Risk s
32. or under this cover section Cover type Weekly Weekly Select the cover type from the drop down list Note Refer to the appropriate policy wording for coverage details External ZBI Broker Guide v13 2 Page 15 Policy Liability Coverage details Excess Dani General liability 10 000 000 500 Products liability 10 000 000 500 Property in physical and legal control 100 000 Consumer Protection Liability Mat Insured gt 500 amp Liability questions Does the Property have a Dance Floor Does the Property operate as a Nightclub Do you employ Sub Contractors or use Hire Labour accounting for more than 25 of your total turnover Do you export products to UsafCanada VE Do you want to note any additional business activities Do vou want to note the interest of a third party Endorsements amp 36N Excess only to apply to Property Damage Add Remove Financial summary Base Total Payable lt Previous Deleterisk Addreferral Add page notes Calculate External ZBI Broker Guide v13 2 Page 16 Cover Refer to the appropriate policy wording for coverage details Excess This is the excess deductible for the risk The value is expressed in dollars only You may accept the standard excess or choose a voluntary excess from the drop down list Property in physical and legal control This cover is not available fo
33. pment Coverage Details The underwriting questions that display will vary as they are dependent upon the occupation chosen The following questions are asked for all occupations Building The Building sum insured is populated from the situation page Plant machinery and all contents including stock The Plant machinery and all contents including stock sum insured is populated from the situation page Removal of debris Enter the removal of debris Specified items The sum insured selected for specified item s is in addition to limits selected for other categories of cover Note Zurich acceptance is required Total sum insured Total sum insured is calculated from the Building Plant machinery and all contents including stock and Removal of debris fields Limit of Liability Limit of Liability is calculated as 120 of the Building Plant machinery and all contents including stock and Removal of debris fields Flood cover The flood cover is automatically determined based on the situation address Delete risk Select to delete the risk Add referral If you need any aspect of your policy to be reviewed by an Underwriter add a manual referral by selecting the Add referral button Add page notes If page notes are added they will print on the policy schedule Page notes will require acceptance by Zurich External ZBI Broker Guide v13 2 Page 13 Policy Business Interruption Income Business Interruption
34. r all occupations If cover is excluded this section will read Not Insured and endorsement 72N Property In Physical Legal Control Variation will apply Consumer Protection Liability This provides Cover for Queensland Electricians and Victorian Plumbers This is defaulted to Not Insured This can be changed by clicking on the drop down arrow Do you employ Sub Contractors or use Hire Labour accounting for more than 25 of your total turnover If the insured utilises the services of contractors sub contractors or hire labour companies and the total turnover generated from this is gt 25 of the insured s total turnover then further details are required for underwriting consideration If this question is answered Yes additional information is required e g Do you employ Sub Contractors or use Hire Labour accounting for more than 25 of your total turnover yes ee Be E Premium Suggested Premium Do you export products to USA Canada If the insured exports products to the USA and Canada the total annual turnover for this operation will be required for further underwriting consideration e g Do you export products to USA Canada Turnover Premium Excess Excess provided by Zurich Do you want to note any additional business activities If the insured is involved in business activities not contained in the selected occupation and or description full details of these additional activities c
35. r losses occurring during festive seasons Refer to the policy wording for specific cover period Adding risks to a situation The risks are automatically added as per the ANZSIC selection You can add or remove a risk by selecting or unselecting individual risk classes for each situation Selected risks are displayed under the situation to which they apply Year Built Enter the year the building was built Building sum insured Enter the Building sum insured for the situation Please select one or more risks to add to this situation M Fire Business special risk M Business interruption Employee Fraud M Liability Engineering M Burglary Electronic equipment M Money vw Glass Property Details Year built Year last rewired Walls Roof Floor Concrete Stone i r Building sum insured O Add page notes General page notes are used for noting any changes in cover location or expansion of information not contained in the forms All general page notes will print with policy schedules General page notes can be added whenever the Add page notes button appears The use of general page notes requires Zurich acceptance and will generate a referral Add referral If you need Zurich to review any aspect of your policy add a manual referral by selecting the Add refer
36. r or officer acting as an outside entity executive of an associated company Endorsements Turnover 7 Please provide percentage of tumover per state NSW VIC OLD S WA TAS NT ACT Total Percentage of turnover 0 Financial summary Base Total Payable 5 lt Previous Delete risk Add referral Add page notes g Calculate External ZBI Broker Guide v13 2 Page 38 Business search Select an occupation by typing the occupation description in this field Note The system requires a minimum of 4 alphanumeric characters to execute the search The occupations matching your selection will be listed Select the correct occupation from the available occupations list Once you have selected the occupation the ANZSIC Business Occupation and Business description fields will be automatically populated Business to print on policy If the standard business occupation and business descriptions are insufficient enter full business description here Note This will require Zurich acceptance Turnover Enter turnover for the business that is being insured Is your company This question is to determine the type of company the insured is operating It is a drop down selection Zurich s Management Liability Insurance is designed for small to medium sized incorporated entities such as Private Companies i e Pty Ltd Not for Profit Organisations Associations Unlisted Public Companies Important Note Zurich s Management Liabilit
37. ral button External ZBI Broker Guide v13 2 Page 10 Notes External ZBI Broker Guide v13 2 Page 11 Policy Fire Fire Cover Cover typet 0 Gold Fire questions Z Is the property situated outside of the town water supply LE Does the property have Approved Fire Sprinklers designed for the occupation at the premises 04 Does the property have monitored Smoke or Heat Detectors LE Does the property have EPS Expanded polystyrene Sandiwich panel construction Does the Property have deep Fat Frying more than 25L in totale Coverage details Building Plant machinery and all contents fincluding stock Removal of debris 7 Specified items Total sum insured Limit of liability Optional extensions of cover Goods in transit No of vehicles 4 Sum insured per vehicle Flood cover Flood cover Excess Excess Malicious damage claims Excess except earthquake ban Y Financial summary lt Previous Delete risk Odd referral Add page notes External ZBI Broker Guide v13 2 Base Total Payable 200 000 200 000 200 000 Select 250 250 Sl d Calculate Next gt Page 12 Cover Type Select the cover type from the drop down list Note Refer to the appropriate policy wording for coverage Details This is defaulted to Gold Underwriting questions The underwriting questions that display will vary as they are dependent upon the o
38. red business address Travel questions All questions are defaulted to No in the drop down list Please review all questions and if required questions can be changed by clicking on the drop down arrow and selecting Yes Number and average duration of declared trips All sections are defaulted based on the ANZSIC code selected Each section can be changed as per the information provided Coverage details Dependent on the cover type chosen additional information will need to be completed Sections 1 to 10 are defaulted as per the ANZSIC code selected Each section can be changed as per the information provided Endorsements Select Add Remove to display the pop up window containing the Tull list of endorsement options Select appropriate endorsements for the risk Policy Premium Summary Premium summary Premium summary Display Detail Package Discount v Annual Premium Version Premium Period Premium J 7 BLUE STREET NORTH SYDNEY Fire Business interruption Liability public Liability product Liability CPL Burglary Money Glass breakdown Total E Motor vehicles A Vehicle 1 BBB11R Total B Management Liability Management Liability Total A Business Travel A A Policy Total Base 9 302 92 2 517 49 1 048 89 349 63 0 00 269 50 563 72 492 25 194 50 730 47 2 727 51 53 72 90 70 Base 1 788 71 1 788 71 Base 21 748 12 Total pa
39. rip Do you anticipate that any insured persons will be flying in a non scheduled light aircraft or helicopter Number and average duration of declared trips Annual overseas trips 3 10 Annual domestic trips 2 3 30 Limit of Liability sections 3 and section 9 Non scheduled flights limit of liability section 3 only Nominated insured persons for pure leisure travel 7 First name Surname Search suburb or postcode P Ta m E Average duration of overseas trips gt 14 Average duration of domestic trips gt 3 hol days days 2 500 000 gt 500 000 gt Relationship Select gt Coverage Details Section 1 7 Section 2 Section 3 Section 4 Section 5 Section 6 Section 7 Section 8 Section 9 Section 10 Zurich Assist Overseas medical expenses Sum Insured Unlimited Unlimited Accidental Death and Capital Benefit per Insured person 500 000 7 times annual salary fo a maximum of 500 000 Accompanying spouse or partner and dependant children limited to 250 000 Weekly Injury Cover Weekly Sickness Cover Weekly Benefits per Insured person Benefit period for weekly cover Loss of deposits Cancellation and Curtailment Alternative Employee Resumption of Assignment Missed Transport connection Baggage Electronic Equipment Money or Travel Documents Deprivation of Baggage
40. ss This is the total excess deductible for the risk The value is expressed in dollars only You may accept the standard excess or choose a voluntary excess from the drop down list Endorsements Select Add Remove to display the pop up window containing the full list of endorsement options Select appropriate endorsements for the risk External ZBI Broker Guide v13 2 Page 25 Policy Employee Fraud Employee fraud Coverage details 2 Sum Insured Excess Excess hase PD Financial summary Base Total Payable Bee Delete nr add ae Add Fe External ZBI Broker Guide v13 2 10 000 Y ES Calculate Page 26 Cover Refer to the appropriate policy wording for coverage details Note The amount defaults to 10 000 This can be changed by clicking on the drop down arrow O Excess This is the total excess deductible for the risk The value is expressed in dollars only You may accept the standard excess or choose a voluntary excess from the drop down list External ZBI Broker Guide v13 2 Page 27 Policy Engineering Engineering Coverage details 7 Total number of units at situation Total asset value 3 Optional extensions Deterioration of stock Increased cost of working Increased cost of working excess days Excess Excess bane Y lt Previous Delete risk Addreferral Add page notes External ZBI Broker Gu
41. te A referral may be required for some endorsements depending on the nature of the changes Zurich acceptance is then required 3 Proceed to the Complete Screen 4 Select any documents you want to have printed Endorsement Quote Schedule and Certificate of Currency can be selected 5 Press Done this will return you to your Broking System Confirm Accept the transaction Renewals 1 For the first year only select Import Renewal in the Broking System Note In subsequent years select Renewal 2 If no details need to be changed in the renewal proceed to the Complete screen E Change Close Now to No Select any documents you want to have printed Renewal Invitation Schedule can be selected Note If you want to skip straight to closing the renewal change Close Now to Yes Renewal Schedule can then be selected 4 Press Done this will return you to your Broking System Confirm Accept the transaction Closing a Renewal 1 Select Close in the Broking System and launch the product 2 If no details need to be changed in the renewal proceed to the Complete screen 3 Change Close Now to Yes 4 Select any documents you want to have printed Renewal Schedule can be selected s Press Done this will return you to your Broking System Confirm Accept the transaction External ZBI Broker Guide v13 2 Page 52 ZU12512 ABEL 010381 2015 Zurich Australian
42. ured s premises Excess This is the excess deductible for the risk Increased Cost of Working excess is in addition to this amount You may accept the standard excess or choose a voluntary excess from the drop down list Increased cost of working Zurich will not pay for any costs incurred during the period between the date of loss and the amount of hours displayed in this section External ZBI Broker Guide v13 2 Page 31 Policy Interested Parties Interested parties O Interested parties D Name Interest type lt Previous External ZBI Broker Guide v13 2 Associated risks O Add Party Page 32 gt Do you wish to note interests of a third party By selecting Add Party this section will allow you to nominate the name interest type and the specific risk s which are the subject of the financial arrangement External ZBI Broker Guide v13 2 Page 33 Policy Vehicle vehicle 1 Business details Business search 1 Search occupation or ANZSIC code ANZ51C Business description Business Occupation Business to print on policy Garaging address Suburb State Postcode Cover Cover typet Select Yehicle Search Lire registration number or reAice foe fo search for pour vehic Registration Mumber Vehicle Details vehicle Search ie Search Yehicle details Accessories Modifications Please list all non factory accessories and modifications Select ne
43. y 14 835 09 4 014 57 1 257 62 419 20 0 00 323 13 675 90 590 21 310 17 875 84 3 270 28 85 67 108 75 26 766 43 Total pay 1 025 77 1 025 77 Total pay 2 144 38 2 144 38 Total pay 223 83 555 28 779 11 Total pay 30 715 69 Full price Pkg Discount 61666864 1 833 55 11 23 496 18 11 23 155 44 11 23 5452075 43 06 647181 50 00 536327 Stamp duty exempt details Stamp duty exempt 7 No v Please attach the insured s stamp duty exemption forms i Attach lt Previous Standard commission Net rate External ZBI Broker Guide v13 2 51 81 11 23 0 00 11 u 39 94 11 z3 83 54 11 23 72 95 11 23 38 34 11 23 108 25 11 23 404 19 11 u 10 59 11 23 13 44 11 23 3 308 22 Pkg Discount 112 86 5 23 112 86 Pkg Discount 11 78 5 23 29 23 5 23 41 01 Pkg Discount 3 462 09 2 139 67 579 02 241 24 580 41 0 00 Calculate 213 97 57 90 24 12 8 04 0 00 421 85 12 481 45 fill 3 377 65 MM 992 26 fill 330 75 fill 0 00 fi 254 94 fill 533 27 M 465 67 fill 260 96 fill 691 03 MM 2 580 22 MM 72 07 Ti 85 80 M 22 126 07 929 05 fill 929 05 1 691 83 iil 1 691 83 176 17 M 428 68 fill 604 85 Delete Situation Page 42 Situation Indicates premium per risk and total pr
44. y Insurance should not be provided to sole traders because they are not corporations e not subject to the Corporations Act 2001 or partnerships because a partnership is not an entity which can be sued in its own name Business Address Select the suburb state and postcode of the Insured principal business address Coverage details Dependent on the cover type chosen additional information will need to be completed Sections 1 to 7 are pre populated as per the ANZSIC code selected Limits and deductibles can be customised to cater for your client s needs by selecting the appropriate values from the drop down selection Management Liability Questions All questions are pre populated Please review all questions and If required questions can be changed by clicking on the drop down arrow Endorsements Select Add Remove to display the pop up window containing the full list of endorsement options Select appropriate endorsements for the risk Percentage of Turnover This is the percentage of turnover per state for the calculation of taxes and charges External ZBI Broker Guide v13 2 Page 39 Policy Business Travel Business Travel Business details Business search 1 Business address Suburb State Postcode Travel questions 2 Will the insured be travelling to any of the following countries Afghanistan Chechnya Iraq North Korea or Somalia Will manual labour account for more than 20 of any one t
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