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      Branch Insurance Battlecard

       

      Branch-2

       



      Phone Number(s):

      • Online chat feature available during business hours 
      • Customer Service, Underwriting: 833-427-2624
      • Technical Support: 855-438-5411

       

      Email(s):

       

      Customer Service Hours of Operation:

      • Monday to Friday 9:00 AM to 5:30 PM EST

       

      Current Lines of Business/States:

      • HO3, HO6, Auto, Umbrella: AR, AZ, IA, IL, IN, KY, MO, MT, NE, NM, OH, OR, UT, WI
      • Auto / Home bundle required! 

       

      Carrier Access:

      • Individual log-ins
        • Requires MFA with code sent to email 

       

      Quote Bots:

      • There are no quote bots for this carrier

       

      Application Type: 

      • Carrier E-Sign

       

      Carrier Market:

      • Home
        • Owner occupied 1 to 4-unit home
        • If the property is a secondary residence for an existing policyholder, the need to be owner-occupied is waived.
        • Primary residence cannot be rented more than 30 days per year, secondary no more than 60 days
        • All breeds acceptable
          • No bite history allowed
        • No limit on acreage
        • Allows up to 15 farm animals
        • Allows homes 75 years or newer
        • Pools are accepted as long as they are fenced in.
          • Slides, diving boards, and trampolines are also allowed 
        • Will accept roofs over 15 years old, but will be on an ACV loss settlement basis
        • Flat roofs are state-dependent- and will require Agency Support approval
      • Auto:
        • Primary named insured at least 19 or with 3 years minimum as a licensed driver
        • All operators in the household must have a verifiable US driver's license
        • The driver-to-vehicle ratio must not be greater than 1:2
        • Vehicles must be insured in the same state they are registered in 

       

      Important Guidelines:

      • Reports are pulled at the front end of the quote, so the system will decline immediately if the customer has unacceptable claims.
      • Home
        • The following risks are unacceptable:
          • Homes vacant for more than 15 days
          • Homes with commercial businesses
          • Dwellings with stairs, porches, decks, or elevated surfaces with 3 or more steps or 2 feet or more from the ground without permanent and secure handrails are ineligible
          • Dwellings with firewood stacked from within 30 feet of the home
          • Homes in the course of construction will need UW consideration.
          • The risk is ineligible if there are 2 or more dwellings at an insured property address. 
          • Protection classes PC 10, 10c1, or 10w are ineligible. 
          • The replacement cost must be between $50K and $950K
      • Auto
        • Trailers cannot be written stand-alone, there must be at least one auto on the policy. 
        • The following risks are unacceptable:
          • The vehicle has an MSRP of over $90,000
          • The vehicle has a salvage title
          • Vehicle gross weight is over 14,000 lbs
          • Vehicles manufactured before 1980
          • Business use that does not meet the acceptable use standards below:
            • Used by sales or sales representatives or for consumer-oriented direct home sales
            • Used by real estate or insurance agents
            • Use by the insured to transport tools or other materials in a trade or business
            • Owned by the insured and used by domestic employees
            • Used in business for occasional errands 
          • Drivers convicted of any of the following in the last 5 years:
            • Driving under the influence
            • Reckless driving
            • Failure to stop for a school bus
            • Speeding violations greater than 25 MPH

       

      Additional Resources: 

      • Agency Portal: