RoundHill Express, LLC

We deliver instant habitational insurance for Southern Westchester, Brooklyn, Queens, Staten Island, Nassau and Western Suffolk County.

We offer admitted paper rated "A" by A.M. Best.

If you are a retail agent with habitational business (10 units or less) in Southern Westchester, Brooklyn, Queens, Staten Island, Nassau or Western Suffolk County and want to know more about our product, send an e-mail to support@roundhillexpress.com.

Contact Information Address PO Box 611 Ardsley NY 10502
Marketing p: 718.576.2680 f: 212.937.2335 support@roundhillexpress.com	Claims p: 718.576.2689 claims@roundhillexpress.com

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Preliminary Application Questions

Please have your client affirm that the answer to each of the following questions is NO in order to proceed to the quote screen. RoundHill Express is not authorized to quote or bind any risk where the answer to any of the questions is YES. The failure to accurately answer these questions will result in cancellation of the policy following inspection. Questions updated in the last 12 months are in bold. Is there less than 1 or more than 10 apartments? Is the T.I.V. going to be more than $3 million? Is the property vacant or unoccupied? Is the property undergoing major renovations or construction? Is there a daycare facility (adult or child) on the premises? Is there a trampoline on the premises? Is there a swimming pool, outdoor hot tub or water frontage on the proposed insured location? Are there any automotive repair or service station tenants? Are there any tenants handling hazardous or explosive materials? Are there any elevators, chair lifts, or dumb waiters on the premises? Has the proposed insured reported more than 3 claims in the past 4 years? Is this a single unit owner occupied house that belongs in the personal lines market? Is any legally required smoke detector or fire safety equipment missing or non-functional? Are there any (1) ongoing landlord/tenant disputes or eviction proceedings or (2) are any tenants more than 60 days late on their rental payments? Is either of water, sewage, electricity or heat out of service? Are any payments on mortgages on the building overdue by 3 months or more? Are there any open or outstanding HPD Class C violations of fire, safety, health, environmental, building or constructions codes at the proposed risk location? (Or similar violations for risks outside of NYC). Has insurance coverage on this risk location ever been cancelled or nonrenewed by Roundhill Express LLC? A portion of the liability premium charged for this policy will be determined by the number of dwelling units in the building. A "dwelling", as defined in the New York State Multiple Dwelling Law, is any building or structure or portion thereof which is occupied in whole or in part as the home, residence or sleeping place of one or more human beings. Are any of the dwelling units leased or rented to anyone other than individuals on a long term lease for their exclusive use and that of their immediate families? Are any of the dwelling units leased to or rented by a corporation, trust, LLC or any form of legal entity other than a human being? Is any portion of the building rented, in whole or in part, as Single Room Occupancy or Boarding Rooms? Is the garage, if there is one, used for anything other than parking vehicles? Is the garage, if there is one, used by anyone other than the insured or residential tenants of the building? Is there parking in the garage or driveway provided for anyone other than the insured, residential tenants and their guests? Is any portion of the building, including the garage if there is one, used for any purpose other than use as a dwelling unit? If the answer to this question is Yes, that space will now be referred to as the mercantile space in subsequent questions. If there is mercantile space: Is there cooking in any of the mercantile space? Are there any gas stoves or any other form of open flame cooking? Open flame cooking is anything with visible flames (stoves tops, barbecues, woks, etc.) The Applicant affirms that the answer to each of the above questions on this application is:
Response

Insured

Insured Name

Ownership

Risk Address - Unverified

Street Address
Address Line 2
City	State	Zip Code

Building Information

Construction	# of Hab Units	Stories
Year Built	Roof Type	Total Sq Foot
Mercantile?	Merc Sq. Ft.	Cooking?

Coverages

Effective	Agreed Value?	Include TRIA?
Cause of Loss	Prop Deductible	Prop Enhancement

Insurance Limits

Building	Contents	Loss of Rent/Use
Garage	Theft	Ordinance Law
GL Limits		Mech Breakdown

Proceed to -> (See Inspection Notice tab for details)

Policy Contacts

Please enter the email address the insured wants the Policy Documents delivered to.
Insured Email	---> Confirm
Provide a cell phone number and we will text message to schedule an inspection.
Phone	Name

Insured Mailing Address


Street
City	State	Zip Code

Payment Options

Payment Plan

Mortgagees

Mortgagee	Loan Number

Mortgagee2	Loan Number

Mortgagee3	Loan Number

If you have a mortgage company that is not listed in the dropdown, send us the Mortgage Company information (including fax number, phone, and email) after you bind and we will add it to our system and endorse the policy.

Building Information

Purch. Date	Purch. Price ($)	Improvements ($)
Rental Inc. ($)

Owners

Enter the owners of the building who have a ownership percentage greater or equal to 25%

Name	Address	Position	Percentage

Insured Electronic Signature

I hereby certify that the information provided in this application is true and that I have read and understand the provisions below. It is a crime to file an application for insurance or statement of claim containing any materially false information with the intent to defraud. The proposed insured affirms that the information submitted to obtain this insurance coverage is true and agrees that the information shall constitute an application which shall constitute a part of any policy issued whether attached or not and that willful concealment or misrepresentation of a material fact or circumstance shall be grounds to rescind the insurance policy. I also certify that I have received and read the following documents constituting part of the above referenced policy of insurance. I further certify that by inputting my name and the last four digits of my social security number in the appropriate spaces on this web page, I validate and sign the following documents with an electronic signature unique to me. I agree that signing these documents with my electronic signature has the same validity and effect as signing these documents by my hand in ink. I understand and agree that by clicking the BIND button on this web page, I am signing these documents and transferring my application to Roundhill Express LLC with the intent to induce them to issue me a policy of insurance.


For security reasons, please enter the last four digits of the social security number and the applicant's name.

Soc. Sec. #	Applicant Name
Then, hit the 'Request to Bind' button below to issue this policy.

RoundHill Express - Inspection Criteria

We require the insured, at their expense, to provide a satisfactory interior/exterior inspection within 30 days of binding an account and a satisfactory exterior inspection in connection with the renewal of the account every third year thereafter. The insured can obtain these inspections at their expense from any qualified inspection firm or they can obtain the inspections from Roundhill Express for a non-refundable charge of $125 for the interior/exterior inspection and $35 for the exterior inspection required in connection with the renewal of the account every third year thereafter.

If the insured elects to have the inspection done by Roundhill, the inspection charge will be added to the invoice at binding and will be paid out of the first payment made on the policy. The inspection charge is non-refundable in the event the policy is cancelled by either the insured or the insurance company.

If the insured elects to have the inspection done by a third party inspection firm, the inspection report must include sufficient photographs to allow for review of the items listed below. Upon receipt of the satisfactory inspection, an authorization code will be sent to the broker permitting them to bind coverage on the approved risk location.

The third party inspections may be reinspected and audited by Roundhill Express but there will be no charge to the insured for any such reinspection.

The inspections must permit underwriting review of the following areas and the presence of any of the following conditions at the insured premises will result in an unsatisfactory inspection for underwriting reasons:

Over fusing or improper fusing
Exposed wiring and missing live meter units
Underground oil tank leak
Lack of, or improper, heating system - leading to makeshift heating
Missing/damaged steps, handrails, landings that are likely to lead to injury
Collapsed/damaged ceiling or walls likely to lead to injury
Significant presence of mold
Significant uneven/damaged flooring that is likely to lead to injury
Severely damaged/cracked sidewalk that is likely to cause trip and fall
Deteriorating roof to the extent that it would definitely cause water leaks
Missing/damaged downspouts and/or gutters that definitely would cause icy conditions on pathways and stairs
Damaged/loose foundation that is likely to cause structural failure
Weak/poor structural condition that is likely to cause structural failure
Damaged pipes resulting in active water leak
Sewage in basement
Standing water in basement
Boarded up windows and doors
Gut renovations
Building is set to be demolished
Inspection is unproductive (no appointment, no show, no access to utilities)

Agreed Value Coverage

The ISO Property Form used by Roundhill Express provides for replacement cost coverage so long as the building limit is not less than 80% of the replacement cost of the structure at the time of any loss. If the building limit is LESS than 80% of the replacement cost of the structure at the time of any loss, then that loss will be adjusted on the basis of Actual Cash Value AND the co-insurance provision of the policy will be applied. The co-insurance provision of the policy will not apply IF the building limit is NOT less than 80% of the replacement cost of the structure at the time of any loss OR if the insured elects for Agreed Value coverage.
Roundhill’s current minimum Agreed Value Construction Rate is $300 per square foot.
If Agreed Value Coverage has been selected, the Roundhill minimum Agreed Value Construction Rate in effect at the time of renewal will be applied to the building limit.

Cooking Exposures: - LIMITED COVERAGE

We cannot insure any building with open flame cooking in the mercantile space. Open flame cooking is anything with visible flames (stoves tops, barbecues, woks, etc.).
If your insured has a cooking exposure with NO open flame, then we can insure the risk and, effective January 1, 2015, there will be NO ADDITIONAL premium charge for the cooking exposure. However, we offer limited coverage so it is important to make sure that your insured is a named insured on the mercantile tenant’s insurance policy. Set forth below is some of our restrictive language: “This Policy does not provide coverage for any damage arising out of a Mercantile Tenant's cooking or restaurant operations, which includes refrigeration, unless the Tenant at the time of the loss or damage has in place a Policy of Liability insurance with limits equal to this one, or sufficient to cover the entire loss, that names you as an additional insured, and which provides primary coverage for loss or damage to your property. This Policy will be excess of any such policy obtained by a Mercantile Tenant.”
The risk exposure from the Mercantile Tenant’s cooking or restaurant exposure is only covered by the Tenant’s insurance policy – NOT by our policy. This is why we are able to NOT charge any additional premium for the cooking exposure.

Mechanical Breakdown

What is your exposure to mechanical breakdown and what size limit should you purchase?
Form CP 10 30 (Causes of Loss – Special Form) specifically excludes coverage for loss or damage caused by or resulting from mechanical breakdown in Paragraph B, 2, (d) (6). However the last portion of Paragraph B, 2 also states that if the excluded cause of loss (in this instance, mechanical breakdown) results in a specified cause of loss, “we will pay for the loss or damage caused by that ‘specified cause of loss ’ ”. Paragraph F of the CP 10 30 defines specified causes of loss and states that it “means the following: Fire, …”
What does this mean?
For all practical purposes, this means that if you have a mechanical breakdown in your building and it causes a fire, then the fire damage is covered but the repairs to the broken equipment are not covered.
What am I covering?
This means you should purchase a mechanical breakdown limit sufficient to cover the most valuable equipment in your building – in general that is your furnace. Generally, a $10,000 limit should be enough to replace the furnace in a small building.
Mechanical Breakdown cover does not include a boiler inspection. The insured must make their own arrangements for a boiler inspection (see the Yellow Pages under Boiler Inspection)

Ordinance Or Law

What is your exposure to Ordinance Or Law and what size limit should you purchase?
Form CP 10 30 (Causes of Loss – Special Form) specifically excludes coverage for loss or damage caused by or resulting from the enforcement of any ordinance or law in Paragraph 1 (a). This exclusion means, among other things, you are not covered for (2) the increased costs incurred to comply with an ordinance or law in the course of construction or repairs following a physical loss to the property.
Most commonly, this exclusion leaves the insured exposed for increased costs necessitated by changes in the building code. For example, a frame house frequently cannot be rebuilt as frame due to building codes requiring new construction to be joisted masonry. We suggest purchasing Ordinance Or Law in an amount up to 10% of the building value.

Water and Sewer Back-up

Form CP 10 30 (Causes of Loss – Special Form) specifically excludes coverage for loss or damage caused by or resulting from water that backs up or overflows from a sewer, drain or sump in Paragraph B, 1, (g) (3).
The Property Enhancement Endorsement we offer includes a $5,000 limit to cover this excluded cause of loss with a separate $500 deductible. This limit is generally enough to cover the cost of cleaning an unfinished basement after such an incident. If you have a finished basement and/or have a higher exposure, then you should consider having a licensed plumber install a sewer back-flow valve. This will save money in insurance costs and protect your basement at the same time. http://stormrecovery.ny.gov/sites/all/themes/nysandyredesign/files/SMART_Rebuild_FS14.pdf

Terrorism Coverage

Under the Terrorism Risk Insurance Program Reauthorization Act, as amended, you have a right to purchase insurance coverage for losses resulting from an act of terrorism, as defined in Section 102(1) of the Act.
See the section of your quote titled TRIA Premium. If you choose to accept this offer of coverage by your selection statement, your premium will include that amount as shown in your quote.

Contents Coverage

The contents limit, when purchased, provides coverage for loss or damage from a covered cause of loss to contents in the building owned by the named insured. It does not provide coverage for anyone else’s contents. Generally, the insured’s contents will include appliances such as stoves and refrigerators provided with rental units. If the insured lives within the building, it could also include personal possessions of the insured in the apartment occupied by the insured. If the named insured also runs a business in the mercantile space under the named insured’s name, then it could include the mercantile contents.
Be careful. If the named insured runs a business in the mercantile space under any different name (such as an LLC), then the mercantile contents belong to a different legal entity and would not be covered as contents of the named insured.
We offer contents coverage limits up to 20% of the insured value of the building.

Business Interruption (Loss of Rents)

The business interruption (loss of rents) limit, when purchased, provides coverage for rental income not received as a result of loss or damage from a covered cause of loss. If the insured occupies a portion of the building personally, then it would also include the fair market value of the space he cannot use (loss of use). The coverage is only to the extent of the limit purchased .
We offer business interruption limits up to 20% of the insured value of the building.

Garage

If there is a free standing garage on the property, it can be insured for up to $75,000 under the garage limit. If the garage is part of the main building, it is not necessary to purchase a separate limit. Just make sure the value of the garage is included in the building limit.

Save time by using our online payment feature.

Send an email to support@roundhillexpress.com indicating the name and email address of the person who will be making the payments. If that person does not already have a password, we will issue one. We also need a copy of a voided check for the bank account we will debit. Please fax the check to 212-937-2335 or scan it and email it to Support@Roundhillexpress.com. Once you are setup, online payments are made on our website by clicking “Payments” on the top tab and entering the policy number.

Online payments are credited immediately and rescissions are issued at the same time.

Electronic Check Payments

To authorize Roundhill to make an ACH payments on policies complete the following form. You can pay up to 6 policies at a time. Enter the Policy Number like '314PK-12345-01'. Enter the amount to pay for each policy.
PolicyNo	Amount
PolicyNo	Amount
PolicyNo	Amount
PolicyNo	Amount
PolicyNo	Amount
PolicyNo	Amount

By clicking Authorize ACH Payment, you authorize Roundhill Express to electronically debit the bank account on file with the company as noted below. This payment will be applied to the policies listed above. If necessary, NOC Rescissions and Policy Reinstatements will be created. If this payment does not clear, these Rescisions and Reinstatements will be null and void.

	Total Payment

Roundhill Express LLC is the underwriting manager and third party claims administrator for the

UNION MUTUAL OF VERMONT GROUP

Which consists of the following three insurance companies:

Union Mutual Fire Insurance Company was organized in 1874 in Montpelier, Vermont. As a mutual company, it has no shareholders and is “owned” by its policyholders. It is licensed to sell its insurance products in the states of Vermont, New Hampshire, Maine, Connecticut, Massachusetts, Rhode Island and New York.
Community Mutual Insurance Company (CMIC) is an affiliate of Union Mutual. CMIC is a non-assessable advance premium co-operative insurance company licensed to sell insurance products in New York.
New England Guaranty Insurance Company, Inc. (NEG) is a wholly-owned subsidiary of Union Mutual and is licensed to sell insurance products in Vermont, New Hampshire, Maine, Connecticut, Massachusetts, Rhode Island and New York.

Today the Union Mutual Companies are a regional property and casualty insurance carrier with a broad product base throughout New England and New York. All three companies are rated “A” (Excellent) with Stable Outlook by AM Best.

IMPORTANT INFORMATION

Beginning September 1, our inspection fee will be $125.

Please note that our minimum liability limit is $500k.

We are not currently quoting mixed use buildings.

New York State has approved a rate increase which will take effect for all business on June 1, 2023.

The failure to accurately answer the application questions on the following screens can severely affect the coverage afforded to you by this policy of insurance and possibly result in a loss of coverage due to a material misrepresentation. In particular, make sure your insured provides an accurate count of the units in the building. All units must be included – even basement ones that are (or are not) in use

Questions should be emailed to support@roundhillexpress.com

Property
Liability
TRIA
NY Fire Fee
Agent Fee
Inspection Fee
Total Cost
Minimum Down Payment Due from Insured
Minimum Down Payment Due Roundhill

To have Loss Runs, Accounting Information or the Dec Page/Policy sent to you or the insured complete the following. Enter the Policy Number like '314PK-12345-01' and an email address. Multiple email addresses should be separated by a semicolon (;). You will receive the information in 15 minutes.
PolicyNo	Email Address