Insurance coverage analysis
US008428971B2
(12) United States Patent
(10) Patent N0.:
Peterie
US 8,428,971 B2
(45) Date of Patent:
(54)
INSURANCE COVERAGE ANALYSIS
(76)
Inventor.
Chris W. Peterle, Dallas, TX (US)
(*)
Notice:
Subject to any disclaimer, the term of this patent is extended or adjusted under 35 U.S.C. 154(1)) by 881 days.
_
.
.
Apr. 23, 2013
2006/0100913 Al* 2008/0126138 Al*
5/2006 Ward .............................. .. 705/4 5/2008 Cherney et al. .. 705/4
2008/0147449
6/2008
Al*
Ward
....... ..
..
705/4
Zoos/0177580 A1,,
700% Gabriel “
“ 705/4
2008/0189121 A1 *
8/2008
.. 705/1
Brooks ..
OTHER PUBLICATIONS “NCCI Experience Rating Plan” National Council on Compensation Insurance, 2004*
(21) Appl.N0.: 11/829,668 * cited by examiner
(22) Filed:
Jul. 27, 2007 Primary Examiner * Kirsten Apple
(65)
Prior Publication Data
US 2009/0030734 A1
(74) Attorney, Agent, or Firm * David W. Carstens; Carstens & Cahoon, LLP
Jan. 29, 2009
(51) Int Cl
(57)
Got-‘Q 4'10/00
(52) U 5 Cl '
(58)
'
(201201)
ABSTRACT
An improved insurance coverage analysismethod, system,
'
_
and'coinpujterprograné. All llnsurance policles owned by da
_
part1cu ar
usmess an
its a temate ent1t1es are processe
.
UISPC ......... .... ...... ... .............. .. 705/4, 705/35, 705/38
Key data from the policies is input into Specialized templates
Field of Classi?cation Search ..................... .. 705/ 4
The insurance policy data can be input manually or automati_
See application ?le for complete search history.
cally. The specialized templates are interconnected to auto matically generate an overall summary of the business’ insur
References Cited
ance current coverage. Policy recommendations can also be
(56)
input and become visible in the summary as Well. An overall USA summary graphic is generated to make the obscure data more easily comprehended by a layperson. All insurance coverage information, both detailed and summarized, is pre
U.S. PATENT DOCUMENTS 2002/0147613 A1 *
10/2002
2003/0105648 A1 *
6/2003
Schurenberg et a1. .
2003/0167220 A1 *
9/2003
Schoen et a1.
.... ..
.. 705/36
2003/0177032 A1 * 2003/0182159 A1 *
9/2003 9/2003
Bonissone et al. .. Bonissone et a1. ..
705/2 705/2
2003/0195776 A1 * 2003/0233260 A1 *
10/2003 12/2003
2004/0181435 A9 * 2005/0192963 A1 *
Kennard et al. ................. .. 705/1
705/2
sented in a ?nal packet to the business owner. Alternate embodiments include a Web site for automatically conduct
ing the analysis upon upload of the insured’s coverage docu
M0016 et al. .................... .. 705/4 Snell et al. ...................... .. 705/4
ments'
9/2004 Snell et al. 705/4 9/2005 Tschicgg et a1. ................ .. 707/9
19 Claims, 33 Drawing Sheets
INSURANCE COVERAGE H H
Umbuii Lllblllhf : m
|————|
DUM'ETIWW. m
l
,
1 :lsxvanyumes
Pmplil'ky?muans
Died “mm 1 M
[Kb-manna,
umwl Prwerlv :54"
mm" = M
UDIMM mum cl 0mm 1 m
uimwm Dan Platesng
mm
"A
?Erlpbym-uabiiily : mm ?tumnmwlm . \Jmu
llybl'ixpoiuru TFZT’fLTJZ. mum's-u) mm lhmmmmuwammmwmn MMKSSIXM
‘137/70
{WWW Us, um Emu-1km DewlwfServLe)
Nun:
00
Damn DlKemhhrIl‘rlm : None Damn mast-on manna miss: an I‘, . m1
mum hum : Ellafllllml = um! Ul’dnmm : Nara gamma = Mme
in man, ex, mum : u;
Mm
US. Patent
Apr. 23, 2013
Sheet 1 0f 33
US 8,428,971 B2
100 Obtain all of
insureds policies
f 702 f 706
704 ' New Business?
f 708
Obtain permission I
Perform a workers
for background
a comp background
checks
check Uheck insured tor /' 7 72 coverage under additional
business entity names
t
Organize basic f774
analysis templates t
Organize policies and
complete applicable insurance coverage
templates:
- Covered Entity Evaluation » Property
- Boiler Machinery - General Liability - inland Marine
' Auto Coverage ~ Workers Comp - Pollution
~ international ~ Umbrella
~ Crime
- Financiai Lines
t
Print Summary sheets and overall
USA graphic highlighting total insurance
coverage analysis
@ FIG. 1
[770 Compare insured "3 Workers comp : modification rating
to others in industry
US. Patent
Apr. 23, 2013
Sheet 2 0f 33
( Begin )/ 400
( Begin )/ 200 V
US 8,428,971 B2
t
f’
Enter Primary Company Name, Address, Insuring Company,
f 402
Gather all ooller
machinery
insurance Rating, and Agent into Covered Entity Evaluation template
insurance policies
r
Evaluation data to populate
v
Allow Covered Entity
,f 204
Conduct search for
alternate entity names under
Boiler Machinery template
t Begin Y 300
Primary Company Name
\
,/ 206
[302
Gather all property
insurance policies
Determine types oi entity names f 208
Visually indicate
insured Company and
insuring Company fields ,,
f 406
Enter Coverages and Additional
Coverages data
insurance policies held by alternate
f 404
Allovv Covered Entity Evaluation data to populate
Property template Insured Company and insuring Company fields
,
face
Enter Endorsements data
the policies held under alternate entity names
End
Enter specitlc property location data for generation
of Property Recap data ‘
FIG, 2
fade
Enter Declarations Data
{are Enter Endorsments data ‘
End
FIG. 3
FIG. 4
US. Patent
Apr. 23, 2013
US 8,428,971 B2
Sheet 3 0f 33
@700
@500
17
Gather all general iiaoility insurance policies
Gather all auto insurance
Aliovv Covered Entity Evaluation data to populate
Allovv Covered Entity Evaluation data to populate Auto Coverage template insured Company and
policies v
General Liability template insured Company and insuring Company lields
insuring Company tields
Enter location
specific general liability policy data
t Begin Y 600 ,
Enter Declarations Data
(“570 Enter Endorsments data
Enter specific auto policy data for each covered vehicle
[e02
Gather all inland ‘marine insurance policies
Enter remaining Declarations Data
Allow Covered Entity Evaluation data to populate inland Marine template insured Company and
insuring Company fields
Enter Endorsments data 7
h
, recs Enter
Declarations Data
FIG. 7’
FIG. 5 Enter Endorsments data I
End
FIG. 6
US. Patent
Apr. 23, 2013
Sheet 4 0f 33
l Begin )/ 7000
( Begin V 800 v
‘ r1002 Gather any international
f
Gather all workers comp insurance policies a,
insurance policy
r 804
‘,
Allow Covered Entity Evaluation data to populate
Workers Compensation template insured Company and insuring Company fields
US 8,428,971 B2
[/1004
Allow Covered Entity Evaluation data to populate international template insured
Company and insuring
( Begin )/ 900
Company fields, enter data not
provided
face Enter state specific workers
compensation
i,
Gather any pollution insurance policy
policy da ta 11 v
f
Enter applicable Declarations data at
Enter Executive
Exclustions/lnclusions
Declarations data
‘f
a
Evaluation data to populate
Enter Endorsments
Pollution template Insured Company and insuring Company Fields, enter data net provided ,
V
Declarations data f“ 968
Enter specific Coverages data 17
Enter Endorsments data V
End
FIG. 9
,/ i008
data a
f» 906
Enter applicable
FIG. 8
Enter applicable
Allow Covered Entity
data Enter Endorsrnents data
,» i006
FIG, 10
US. Patent
Apr. 23, 2013
Sheet 5 0f 33
( Begin V4100
US 8,428,971 B2
l Begin Y 7300
f i 7 02
v
,r i 302
Gather any umbrella
Gather any DO/EPLl/
insurance policy
Fiduciary insurance policies
‘
f7 7 04
v
Allow Covered Entity Evaluation data to populate Umbrella template insured
Company and insuring Company
insured Company and insuring
?elds, enter data not provided f 1 106 Enter applicable Declarations data
f 1 108
(
Begin-
1200
Company fields, enter data not
)
provided / 7306
‘
t f 7202
DO/EPLl/Eiduciary
insurance policy
templates’ Declarations
?eld data \
f i l i0
Enter Endowments data
Enter applicable
Gather any crime Enter Policy Summary data
f" 7204
Allow Covered Entity
"
Evaluation data to populate
Enter DO/EPLl/Fiduciary
Crime template insured
Company and insuring Company fields, enter data not provided
templates’
End
Enter applicable 1295 Declarations / data Enter forms / i208 coverage data V
Enter Endorsements / 7270 data
End
FIG. 12
f 7308
Checklist data
V
FIG. 11
y» 7304
Allow Covered Entity Evaluation data to populate DO/EPLl/Eiduciary templates’
FIG“ 13
US. Patent
Apr. 23, 2013
Inland Marine
Sheet 6 0f 33
Auto
Temp/ale
US 8,428,971 B2
Workers Comp
Temp/ale
Template
Poliuiion
Template
Covered Eniiiy Evaluation
Template
international
Temp/ale
General Liability
Template
Preperfy Temp/ale
DO EPL/ "
USA Summary map/"C
‘
Fiduciary
Temp/Hie FIG, 14
US. Patent
Apr. 23, 2013
Sheet 7 0f 33
US 8,428,971 B2
( Begin )/1500 1/
v
parsg insurance poll-Cy
augments m extract
r’ 7504 U load insurance olic
Present customer with 7 WGDPaQB WIT/l means i0 / 502
dogumehts in gig/‘:51 tori/n ‘
upload individual insurance
coverage details
policy documents
1508 ' 1' _ New Business?
f» 1510
,/1512
Obtain permission for background
if 7574
Perform a workers
ca?g’rigis’fg? S
‘ comp background
= mom-mm” rating
Checks
Check
to others in industry
Check insured for f 7516 coverage under additional
business entity names \
Populate oasis / 15 i8
analysis templates V
Generate and
display summary
f 7520
sheets and overall
USA graphic highlighting total insurance
coverage analysis I
" Request aiternate ~~ "
I, scenarios?
f 7524
ACQQPI‘ mid/?ed values from user
US. Patent
Apr. 23, 2013
Sheet 8 0f 33
US 8,428,971 B2
AUTQ POLICY REPORT
SVVingEQCOHiTIS \
Insured Company Insured Name
!k i
Insuring Company
Company Name
In< ring Company
0
Killing
0
Agent Policy Number Stew Date
Exp?v lo? Dale
Dedarations Coverage
Lzah by
Vehicle Summary Symbol
Deductible
Limit
Premium
Vehicle Types
Number
Premium
g
3
Each Person
$
Lech Accident
Heavy Truck
Perannai lnguiy Proteciion
2t,
7
Extra'Heavy TrUEk
Medical Pay
3
>
Trailer
uP-msured f Undermsured
$
-
Ail V65"-
'
El $ '
95
'
$
-
Earh Person
ccidcnt
Hired ,l Bnrroweo
(Iombmed iompienensiv?
Non 1
~
$
7
$
..
Praperly Prolecl'ion
S
5
ed
LcT?SSKI 1' RQl'lial
? S
3 .
Property Pr ~ Teams and Fees
Promiu Total Premium
Endorsements
[Current Form {1 - Description
I I Recummended Form # ~ Desc?ption
FIG. 16A
$
"
US. Patent
i H,
Apr. 23, 2013
Sheet 9 0f 33
US 8,428,971 B2
US. Patent
Apr. 23, 2013
Sheet 10 0f 33
US 8,428,971 B2
Swingle " ollinj
BOILER POLICY REPORT
(x [A i
Insured Company =rcd Flame
Insuring Company
*TOWPHRY NBITIE
insuring Company Rating
DI
Agent
Maiing Addrws I
I I
P0§icy Number Start Date Expia'aw? Date
FEIN Numb-2r
E:__w:_I
Coverages Description
Additionai Coverages Limit
Deductible
Premium
Coverage
Limit
Ecu'mmcnt Breakdown Umii
Es'rors and Omissions
Piccmty Damage
Extcndcc Peréna of lndcmnity
Busmess Income
Jo'ni Brands 1705s andAgreement E
Sewice Interruphon
)urisov'c’nona! Inspections
Coniingcnt Business Incume
Upgrace \laiu
on
Cause of Loss Data R051 matron
13mm
EéP rirzz .Aacing
Of?nanre 0-’ Law
Exr?osinn of Boiiers
Exncdmng Expenses
internal Damage t0 Boifws
Hazaidous Subsiancss
BuisUng, CrackI-qg, Sp
NL-wiy Acquired ! maihnns
Endorsements
I Current Form # “ Description
I I Recommended Form :1 - Description
FIG. 17
US. Patent
Apr. 23, 2013
Sheet 11 0133
US 8,428,971 B2
BUSINESS OWNERS POLICY REPORT Insured Company
Insuring Company
Property Declarations Deductibles
Amount
Rats: [ Basis
Amuunk
Policy Farm
Puliq Type
a
s 5
9.1mm,- we m
s
Prcmerty Recap Coverage
11v
k1 ( l
Blanket
Sguam Feet Value 4s 55 Fact
3
1,503
()rdinnnm Law
”
5 Cover-'1 :1 A
Covera e B
‘mm
;
_
Liability Declarations Limits
l
M Amount
Premiums
Anwunt
Deductibles
Amount
Claims Made Info
Genslal AC‘; was?)
Form Number Rem) Lam
EBL
Amount
5&5 Tax & Fees
Amount
Liability Location Summary
I 1
Classl?cntlon
Basls
"
Exposure
Rates Premise/Ops
| |
Pmducbs
Inland Marine Col/cram:
Premium; PIe'mise/Ops
Auto Limit
n
'-
"N
Prnmlum
Additional Coverages Coyaraqe
Total Amount
Limit
Dnductlblc
FIG. 18A
Endorsement
_'
Products
I
1 " ' ' ‘Total Premium
US. Patent
Apr. 23, 2013
Sheet 12 0f 33
US 8,428,971 B2
mm».wE
5923
US. Patent
Apr. 23, 2013
Sheet 13 0f 33
US 8,428,971 B2
um;62 "EmucPhE
$5.2“ E M \$m59o5
E QLA
Ewm3au8o95m
MCONUA a
US. Patent
Apr. 23, 2013
Sheet 14 0f 33
US 8,428,971 B2
COMMERCIAL LINES CGVERAGE CHECKLIST
SlL?gleCollim a: “Saul-11.“
Insured Company insured Name
Insuring Company
Cowpany Name
lr-surmg Company Pa
Maihngiuééaegt.
Fiw “mm
l
i
|
I
“
Loaku Rauno
123455789
I,
,
v
,
.
U
m:
m
Lscations incatmn E Locatian 2 Lunatmn 3
Gulklmg 5uildmg Buildmg
Coverages Location
Coverage
Deductible
FIG. 19
Basic t Broad
Sggcia!
Blanket
.
V
V
v
US. Patent
Apr. 23, 2013
Sheet 15 0f 33
US 8,428,971 B2
Covered Entity Evaluation Insured Names Primary Company Name Comaanv NaneAddress City, State Zip
Named insured
2,
2
Autombile
lnsuring Company Rating Agent
:TX
CA,m,m
Automcb?e_
Eenral Liablty Workes
Comp
FIG, 20
mUbrei a
crime
0 D81
Employed Lawyers Exces liab ty
EFL}
Fuxcldan,
Earthquke
:(wlnap R'mso Emu9 Travel
US. Patent
Apr. 23, 2013
Sheet 16 0f 33
US 8,428,971 B2
CRIME POLICY REPORT
Swing} CQHins
mm vx1 ::~.~
Insured Company Y Jred Name
Insuring Company
(Lomna?y NEW:
uring Company
Rai?g Age-'1!
Mdiiing Address I |
I 1
Poilcy Number Start Date Ewirabcn Date
Declarations Sustained
Total Premium :3
Discovered
Third Party
Form Number I
;
Forms Form
Description
1
Empinyce Theft
2
Forgriry and Alleratiun
3
Deductible
1 the Premises Jiw? of Moncy and Securities
4t 4
_.r v
mmiws Robbery or Safe Buigiaw of ,rly
5
Outside the Prcnmcs
6
Computer Fraud
7
Funds Trarmfer Fraud
8
Limit
Money OidEI‘S and Counterfeit Money
(May 7006 change)
Endorsements | Current
I ' Recommended
Farm #3 “ Description
Form tr - Dcscrip?on
FIG. 21
Blanketlsched
Premium
U S. Patent
Apr. 23, 2013
US 8,428,971 B2
Sheet 17 0f 33
D 81 O CHECKLIST Insured Company
Insuring Company Tammany Name
insu 2d Mme
Insuring Ccmpany' Raung Agent
‘'
01
Policy Number
§
FFIN Number
1 Date
[$7.3
n.
Deciarations Limit
‘{axes Fees Retro
Deductibie ERP
Priur Pending Toiai Premium Premium/Million
Checkiist
1
P0 Cy 'im'vcance ab} 7 except for non-payment 0;‘ 'emiurn7 Insurer prowc ai ieasi ninety {90) days prior written no renewal.
2
Am "pu uve damages“ spcCi
3
Charm 0n Hie ‘Kent 0‘ e
of non~
/ wvemd wiih must fav rank; venue ianquaqn.
y coverage affo'ded, DOih for sememenlts and Judgment; as weli as far as!’
10 amend entity to amp‘oyment practices
bi vy aimsv
ated cia ms‘ to cover '
5
‘ehoidQr suits a 9 aénsi
diredors and of?c-ri
L‘aimot m
6 7
mrnmitmeni from ihe
or ianqw e. wh |.. covcmgc under a [3&0 policy, l5 ‘(he entity spiacn’lcally (ifi’mdcd uwcmge for i'fl’l. claims.
14 Coveraga far iwdepenoeni (ontmctors and leased cmpioyccs
15 is a separate limlz applicable to the EFL coverage.
FIG. 22B
$
»
US. Patent
Apr. 23, 2013
Sheet 19 0f 33
US 8,428,971 B2
SyyjggleCotligéj
FIDUCIARY CHECKLIST
e1 ACSOFEA
Insured Company Insured Narne
q
Insuring Company Company Name
Insuring Con‘ipany
Rating
05
Agent Maiiing Addr
Policy Numhnr
i’tIN Numbar
Start Date Ex lion [361E to ~
[11:3
Declarations Limit Deductihie
Taxes Fees
Prior Vending Total Premium
ERP
Retro
Premium/Minion
Checklist
1
Empioym. ?unefiti» Liahihly induded
2
HIPPA iiahaiity COVQFGQG Induded
3
Discovszy Claus: provision (or Extended Reporting Ciausc) a waned of 12 months/365 days/‘wear. I10" ‘5; de?nition of covered employee hen ‘it plans limited JUSl to plans subject to the Employment Retirement Income
4
unly Am of 1971s - d amendments thei 0(ER1SA) & Omnibus Reconciliation Ad of 1985 (whmh induces COBRA) and the i. ‘iai Heaith Parity Act of i996. and pians not subject to ERISA (nonvquaiified plans},
5
Th? policy shouid be nnn-cancelahie, once the premzum has been paid. Notice 0,‘ non-renewal snnuid if? at 593st ninety (90)
6
Manuscnpted ianguag: For covci‘agc fer managed care iiabllity C‘OiiT‘S
7
"Waiver of rcccuxse" provisions in ihe policy, or no provision for recourse, by the insuren
8
Y2K exclusion
9
PU?iUV'z‘ damag s has most iavorable venue language.
FIG. 22C
$
1
(12) United States Patent
(10) Patent N0.:
Peterie
US 8,428,971 B2
(45) Date of Patent:
(54)
INSURANCE COVERAGE ANALYSIS
(76)
Inventor.
Chris W. Peterle, Dallas, TX (US)
(*)
Notice:
Subject to any disclaimer, the term of this patent is extended or adjusted under 35 U.S.C. 154(1)) by 881 days.
_
.
.
Apr. 23, 2013
2006/0100913 Al* 2008/0126138 Al*
5/2006 Ward .............................. .. 705/4 5/2008 Cherney et al. .. 705/4
2008/0147449
6/2008
Al*
Ward
....... ..
..
705/4
Zoos/0177580 A1,,
700% Gabriel “
“ 705/4
2008/0189121 A1 *
8/2008
.. 705/1
Brooks ..
OTHER PUBLICATIONS “NCCI Experience Rating Plan” National Council on Compensation Insurance, 2004*
(21) Appl.N0.: 11/829,668 * cited by examiner
(22) Filed:
Jul. 27, 2007 Primary Examiner * Kirsten Apple
(65)
Prior Publication Data
US 2009/0030734 A1
(74) Attorney, Agent, or Firm * David W. Carstens; Carstens & Cahoon, LLP
Jan. 29, 2009
(51) Int Cl
(57)
Got-‘Q 4'10/00
(52) U 5 Cl '
(58)
'
(201201)
ABSTRACT
An improved insurance coverage analysismethod, system,
'
_
and'coinpujterprograné. All llnsurance policles owned by da
_
part1cu ar
usmess an
its a temate ent1t1es are processe
.
UISPC ......... .... ...... ... .............. .. 705/4, 705/35, 705/38
Key data from the policies is input into Specialized templates
Field of Classi?cation Search ..................... .. 705/ 4
The insurance policy data can be input manually or automati_
See application ?le for complete search history.
cally. The specialized templates are interconnected to auto matically generate an overall summary of the business’ insur
References Cited
ance current coverage. Policy recommendations can also be
(56)
input and become visible in the summary as Well. An overall USA summary graphic is generated to make the obscure data more easily comprehended by a layperson. All insurance coverage information, both detailed and summarized, is pre
U.S. PATENT DOCUMENTS 2002/0147613 A1 *
10/2002
2003/0105648 A1 *
6/2003
Schurenberg et a1. .
2003/0167220 A1 *
9/2003
Schoen et a1.
.... ..
.. 705/36
2003/0177032 A1 * 2003/0182159 A1 *
9/2003 9/2003
Bonissone et al. .. Bonissone et a1. ..
705/2 705/2
2003/0195776 A1 * 2003/0233260 A1 *
10/2003 12/2003
2004/0181435 A9 * 2005/0192963 A1 *
Kennard et al. ................. .. 705/1
705/2
sented in a ?nal packet to the business owner. Alternate embodiments include a Web site for automatically conduct
ing the analysis upon upload of the insured’s coverage docu
M0016 et al. .................... .. 705/4 Snell et al. ...................... .. 705/4
ments'
9/2004 Snell et al. 705/4 9/2005 Tschicgg et a1. ................ .. 707/9
19 Claims, 33 Drawing Sheets
INSURANCE COVERAGE H H
Umbuii Lllblllhf : m
|————|
DUM'ETIWW. m
l
,
1 :lsxvanyumes
Pmplil'ky?muans
Died “mm 1 M
[Kb-manna,
umwl Prwerlv :54"
mm" = M
UDIMM mum cl 0mm 1 m
uimwm Dan Platesng
mm
"A
?Erlpbym-uabiiily : mm ?tumnmwlm . \Jmu
llybl'ixpoiuru TFZT’fLTJZ. mum's-u) mm lhmmmmuwammmwmn MMKSSIXM
‘137/70
{WWW Us, um Emu-1km DewlwfServLe)
Nun:
00
Damn DlKemhhrIl‘rlm : None Damn mast-on manna miss: an I‘, . m1
mum hum : Ellafllllml = um! Ul’dnmm : Nara gamma = Mme
in man, ex, mum : u;
Mm
US. Patent
Apr. 23, 2013
Sheet 1 0f 33
US 8,428,971 B2
100 Obtain all of
insureds policies
f 702 f 706
704 ' New Business?
f 708
Obtain permission I
Perform a workers
for background
a comp background
checks
check Uheck insured tor /' 7 72 coverage under additional
business entity names
t
Organize basic f774
analysis templates t
Organize policies and
complete applicable insurance coverage
templates:
- Covered Entity Evaluation » Property
- Boiler Machinery - General Liability - inland Marine
' Auto Coverage ~ Workers Comp - Pollution
~ international ~ Umbrella
~ Crime
- Financiai Lines
t
Print Summary sheets and overall
USA graphic highlighting total insurance
coverage analysis
@ FIG. 1
[770 Compare insured "3 Workers comp : modification rating
to others in industry
US. Patent
Apr. 23, 2013
Sheet 2 0f 33
( Begin )/ 400
( Begin )/ 200 V
US 8,428,971 B2
t
f’
Enter Primary Company Name, Address, Insuring Company,
f 402
Gather all ooller
machinery
insurance Rating, and Agent into Covered Entity Evaluation template
insurance policies
r
Evaluation data to populate
v
Allow Covered Entity
,f 204
Conduct search for
alternate entity names under
Boiler Machinery template
t Begin Y 300
Primary Company Name
\
,/ 206
[302
Gather all property
insurance policies
Determine types oi entity names f 208
Visually indicate
insured Company and
insuring Company fields ,,
f 406
Enter Coverages and Additional
Coverages data
insurance policies held by alternate
f 404
Allovv Covered Entity Evaluation data to populate
Property template Insured Company and insuring Company fields
,
face
Enter Endorsements data
the policies held under alternate entity names
End
Enter specitlc property location data for generation
of Property Recap data ‘
FIG, 2
fade
Enter Declarations Data
{are Enter Endorsments data ‘
End
FIG. 3
FIG. 4
US. Patent
Apr. 23, 2013
US 8,428,971 B2
Sheet 3 0f 33
@700
@500
17
Gather all general iiaoility insurance policies
Gather all auto insurance
Aliovv Covered Entity Evaluation data to populate
Allovv Covered Entity Evaluation data to populate Auto Coverage template insured Company and
policies v
General Liability template insured Company and insuring Company lields
insuring Company tields
Enter location
specific general liability policy data
t Begin Y 600 ,
Enter Declarations Data
(“570 Enter Endorsments data
Enter specific auto policy data for each covered vehicle
[e02
Gather all inland ‘marine insurance policies
Enter remaining Declarations Data
Allow Covered Entity Evaluation data to populate inland Marine template insured Company and
insuring Company fields
Enter Endorsments data 7
h
, recs Enter
Declarations Data
FIG. 7’
FIG. 5 Enter Endorsments data I
End
FIG. 6
US. Patent
Apr. 23, 2013
Sheet 4 0f 33
l Begin )/ 7000
( Begin V 800 v
‘ r1002 Gather any international
f
Gather all workers comp insurance policies a,
insurance policy
r 804
‘,
Allow Covered Entity Evaluation data to populate
Workers Compensation template insured Company and insuring Company fields
US 8,428,971 B2
[/1004
Allow Covered Entity Evaluation data to populate international template insured
Company and insuring
( Begin )/ 900
Company fields, enter data not
provided
face Enter state specific workers
compensation
i,
Gather any pollution insurance policy
policy da ta 11 v
f
Enter applicable Declarations data at
Enter Executive
Exclustions/lnclusions
Declarations data
‘f
a
Evaluation data to populate
Enter Endorsments
Pollution template Insured Company and insuring Company Fields, enter data net provided ,
V
Declarations data f“ 968
Enter specific Coverages data 17
Enter Endorsments data V
End
FIG. 9
,/ i008
data a
f» 906
Enter applicable
FIG. 8
Enter applicable
Allow Covered Entity
data Enter Endorsrnents data
,» i006
FIG, 10
US. Patent
Apr. 23, 2013
Sheet 5 0f 33
( Begin V4100
US 8,428,971 B2
l Begin Y 7300
f i 7 02
v
,r i 302
Gather any umbrella
Gather any DO/EPLl/
insurance policy
Fiduciary insurance policies
‘
f7 7 04
v
Allow Covered Entity Evaluation data to populate Umbrella template insured
Company and insuring Company
insured Company and insuring
?elds, enter data not provided f 1 106 Enter applicable Declarations data
f 1 108
(
Begin-
1200
Company fields, enter data not
)
provided / 7306
‘
t f 7202
DO/EPLl/Eiduciary
insurance policy
templates’ Declarations
?eld data \
f i l i0
Enter Endowments data
Enter applicable
Gather any crime Enter Policy Summary data
f" 7204
Allow Covered Entity
"
Evaluation data to populate
Enter DO/EPLl/Fiduciary
Crime template insured
Company and insuring Company fields, enter data not provided
templates’
End
Enter applicable 1295 Declarations / data Enter forms / i208 coverage data V
Enter Endorsements / 7270 data
End
FIG. 12
f 7308
Checklist data
V
FIG. 11
y» 7304
Allow Covered Entity Evaluation data to populate DO/EPLl/Eiduciary templates’
FIG“ 13
US. Patent
Apr. 23, 2013
Inland Marine
Sheet 6 0f 33
Auto
Temp/ale
US 8,428,971 B2
Workers Comp
Temp/ale
Template
Poliuiion
Template
Covered Eniiiy Evaluation
Template
international
Temp/ale
General Liability
Template
Preperfy Temp/ale
DO EPL/ "
USA Summary map/"C
‘
Fiduciary
Temp/Hie FIG, 14
US. Patent
Apr. 23, 2013
Sheet 7 0f 33
US 8,428,971 B2
( Begin )/1500 1/
v
parsg insurance poll-Cy
augments m extract
r’ 7504 U load insurance olic
Present customer with 7 WGDPaQB WIT/l means i0 / 502
dogumehts in gig/‘:51 tori/n ‘
upload individual insurance
coverage details
policy documents
1508 ' 1' _ New Business?
f» 1510
,/1512
Obtain permission for background
if 7574
Perform a workers
ca?g’rigis’fg? S
‘ comp background
= mom-mm” rating
Checks
Check
to others in industry
Check insured for f 7516 coverage under additional
business entity names \
Populate oasis / 15 i8
analysis templates V
Generate and
display summary
f 7520
sheets and overall
USA graphic highlighting total insurance
coverage analysis I
" Request aiternate ~~ "
I, scenarios?
f 7524
ACQQPI‘ mid/?ed values from user
US. Patent
Apr. 23, 2013
Sheet 8 0f 33
US 8,428,971 B2
AUTQ POLICY REPORT
SVVingEQCOHiTIS \
Insured Company Insured Name
!k i
Insuring Company
Company Name
In< ring Company
0
Killing
0
Agent Policy Number Stew Date
Exp?v lo? Dale
Dedarations Coverage
Lzah by
Vehicle Summary Symbol
Deductible
Limit
Premium
Vehicle Types
Number
Premium
g
3
Each Person
$
Lech Accident
Heavy Truck
Perannai lnguiy Proteciion
2t,
7
Extra'Heavy TrUEk
Medical Pay
3
>
Trailer
uP-msured f Undermsured
$
-
Ail V65"-
'
El $ '
95
'
$
-
Earh Person
ccidcnt
Hired ,l Bnrroweo
(Iombmed iompienensiv?
Non 1
~
$
7
$
..
Praperly Prolecl'ion
S
5
ed
LcT?SSKI 1' RQl'lial
? S
3 .
Property Pr ~ Teams and Fees
Promiu Total Premium
Endorsements
[Current Form {1 - Description
I I Recummended Form # ~ Desc?ption
FIG. 16A
$
"
US. Patent
i H,
Apr. 23, 2013
Sheet 9 0f 33
US 8,428,971 B2
US. Patent
Apr. 23, 2013
Sheet 10 0f 33
US 8,428,971 B2
Swingle " ollinj
BOILER POLICY REPORT
(x [A i
Insured Company =rcd Flame
Insuring Company
*TOWPHRY NBITIE
insuring Company Rating
DI
Agent
Maiing Addrws I
I I
P0§icy Number Start Date Expia'aw? Date
FEIN Numb-2r
E:__w:_I
Coverages Description
Additionai Coverages Limit
Deductible
Premium
Coverage
Limit
Ecu'mmcnt Breakdown Umii
Es'rors and Omissions
Piccmty Damage
Extcndcc Peréna of lndcmnity
Busmess Income
Jo'ni Brands 1705s andAgreement E
Sewice Interruphon
)urisov'c’nona! Inspections
Coniingcnt Business Incume
Upgrace \laiu
on
Cause of Loss Data R051 matron
13mm
EéP rirzz .Aacing
Of?nanre 0-’ Law
Exr?osinn of Boiiers
Exncdmng Expenses
internal Damage t0 Boifws
Hazaidous Subsiancss
BuisUng, CrackI-qg, Sp
NL-wiy Acquired ! maihnns
Endorsements
I Current Form # “ Description
I I Recommended Form :1 - Description
FIG. 17
US. Patent
Apr. 23, 2013
Sheet 11 0133
US 8,428,971 B2
BUSINESS OWNERS POLICY REPORT Insured Company
Insuring Company
Property Declarations Deductibles
Amount
Rats: [ Basis
Amuunk
Policy Farm
Puliq Type
a
s 5
9.1mm,- we m
s
Prcmerty Recap Coverage
11v
k1 ( l
Blanket
Sguam Feet Value 4s 55 Fact
3
1,503
()rdinnnm Law
”
5 Cover-'1 :1 A
Covera e B
‘mm
;
_
Liability Declarations Limits
l
M Amount
Premiums
Anwunt
Deductibles
Amount
Claims Made Info
Genslal AC‘; was?)
Form Number Rem) Lam
EBL
Amount
5&5 Tax & Fees
Amount
Liability Location Summary
I 1
Classl?cntlon
Basls
"
Exposure
Rates Premise/Ops
| |
Pmducbs
Inland Marine Col/cram:
Premium; PIe'mise/Ops
Auto Limit
n
'-
"N
Prnmlum
Additional Coverages Coyaraqe
Total Amount
Limit
Dnductlblc
FIG. 18A
Endorsement
_'
Products
I
1 " ' ' ‘Total Premium
US. Patent
Apr. 23, 2013
Sheet 12 0f 33
US 8,428,971 B2
mm».wE
5923
US. Patent
Apr. 23, 2013
Sheet 13 0f 33
US 8,428,971 B2
um;62 "EmucPhE
$5.2“ E M \$m59o5
E QLA
Ewm3au8o95m
MCONUA a
US. Patent
Apr. 23, 2013
Sheet 14 0f 33
US 8,428,971 B2
COMMERCIAL LINES CGVERAGE CHECKLIST
SlL?gleCollim a: “Saul-11.“
Insured Company insured Name
Insuring Company
Cowpany Name
lr-surmg Company Pa
Maihngiuééaegt.
Fiw “mm
l
i
|
I
“
Loaku Rauno
123455789
I,
,
v
,
.
U
m:
m
Lscations incatmn E Locatian 2 Lunatmn 3
Gulklmg 5uildmg Buildmg
Coverages Location
Coverage
Deductible
FIG. 19
Basic t Broad
Sggcia!
Blanket
.
V
V
v
US. Patent
Apr. 23, 2013
Sheet 15 0f 33
US 8,428,971 B2
Covered Entity Evaluation Insured Names Primary Company Name Comaanv NaneAddress City, State Zip
Named insured
2,
2
Autombile
lnsuring Company Rating Agent
:TX
CA,m,m
Automcb?e_
Eenral Liablty Workes
Comp
FIG, 20
mUbrei a
crime
0 D81
Employed Lawyers Exces liab ty
EFL}
Fuxcldan,
Earthquke
:(wlnap R'mso Emu9 Travel
US. Patent
Apr. 23, 2013
Sheet 16 0f 33
US 8,428,971 B2
CRIME POLICY REPORT
Swing} CQHins
mm vx1 ::~.~
Insured Company Y Jred Name
Insuring Company
(Lomna?y NEW:
uring Company
Rai?g Age-'1!
Mdiiing Address I |
I 1
Poilcy Number Start Date Ewirabcn Date
Declarations Sustained
Total Premium :3
Discovered
Third Party
Form Number I
;
Forms Form
Description
1
Empinyce Theft
2
Forgriry and Alleratiun
3
Deductible
1 the Premises Jiw? of Moncy and Securities
4t 4
_.r v
mmiws Robbery or Safe Buigiaw of ,rly
5
Outside the Prcnmcs
6
Computer Fraud
7
Funds Trarmfer Fraud
8
Limit
Money OidEI‘S and Counterfeit Money
(May 7006 change)
Endorsements | Current
I ' Recommended
Farm #3 “ Description
Form tr - Dcscrip?on
FIG. 21
Blanketlsched
Premium
U S. Patent
Apr. 23, 2013
US 8,428,971 B2
Sheet 17 0f 33
D 81 O CHECKLIST Insured Company
Insuring Company Tammany Name
insu 2d Mme
Insuring Ccmpany' Raung Agent
‘'
01
Policy Number
§
FFIN Number
1 Date
[$7.3
n.
Deciarations Limit
‘{axes Fees Retro
Deductibie ERP
Priur Pending Toiai Premium Premium/Million
Checkiist
1
P0 Cy 'im'vcance ab} 7 except for non-payment 0;‘ 'emiurn7 Insurer prowc ai ieasi ninety {90) days prior written no renewal.
2
Am "pu uve damages“ spcCi
3
Charm 0n Hie ‘Kent 0‘ e
of non~
/ wvemd wiih must fav rank; venue ianquaqn.
y coverage affo'ded, DOih for sememenlts and Judgment; as weli as far as!’
10 amend entity to amp‘oyment practices
bi vy aimsv
ated cia ms‘ to cover '
5
‘ehoidQr suits a 9 aénsi
diredors and of?c-ri
L‘aimot m
6 7
mrnmitmeni from ihe
or ianqw e. wh |.. covcmgc under a [3&0 policy, l5 ‘(he entity spiacn’lcally (ifi’mdcd uwcmge for i'fl’l. claims.
14 Coveraga far iwdepenoeni (ontmctors and leased cmpioyccs
15 is a separate limlz applicable to the EFL coverage.
FIG. 22B
$
»
US. Patent
Apr. 23, 2013
Sheet 19 0f 33
US 8,428,971 B2
SyyjggleCotligéj
FIDUCIARY CHECKLIST
e1 ACSOFEA
Insured Company Insured Narne
q
Insuring Company Company Name
Insuring Con‘ipany
Rating
05
Agent Maiiing Addr
Policy Numhnr
i’tIN Numbar
Start Date Ex lion [361E to ~
[11:3
Declarations Limit Deductihie
Taxes Fees
Prior Vending Total Premium
ERP
Retro
Premium/Minion
Checklist
1
Empioym. ?unefiti» Liahihly induded
2
HIPPA iiahaiity COVQFGQG Induded
3
Discovszy Claus: provision (or Extended Reporting Ciausc) a waned of 12 months/365 days/‘wear. I10" ‘5; de?nition of covered employee hen ‘it plans limited JUSl to plans subject to the Employment Retirement Income
4
unly Am of 1971s - d amendments thei 0(ER1SA) & Omnibus Reconciliation Ad of 1985 (whmh induces COBRA) and the i. ‘iai Heaith Parity Act of i996. and pians not subject to ERISA (nonvquaiified plans},
5
Th? policy shouid be nnn-cancelahie, once the premzum has been paid. Notice 0,‘ non-renewal snnuid if? at 593st ninety (90)
6
Manuscnpted ianguag: For covci‘agc fer managed care iiabllity C‘OiiT‘S
7
"Waiver of rcccuxse" provisions in ihe policy, or no provision for recourse, by the insuren
8
Y2K exclusion
9
PU?iUV'z‘ damag s has most iavorable venue language.
FIG. 22C
$
1
