PGIA LogoPacific Gateway Insurance Agency Newsletter
In This Issue
Hired & Non-Owned
Professional Liability
New Phone System
Quick Links
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Issue: # 13July 2010
We hope that everyone had a great 4th of July holiday.  As we enter the dog days of summer, your friends at Pacific Gateway would like to help you with some of your harder to place auto risks.  In this newsletter you will find details on our program for hired and non-owned auto.  This class of business can be difficult to underwrite and requires a level of expertise we can provide to you and your customers. In addition, we have information on property & GL programs we can provide to your agency.  For more details on our programs, please contact us at 800-354-4844 or go to



A Difficult Class Of Business We Can Help You Understand

Rent Me 
Did you know that Pacific Gateway can offer hired and non-owned auto liability on a stand alone basis?  When there are no owned autos and your client still needs auto coverage, we can help.  Our underwriters are experts at analyzing these exposures, and will assist you in identifying them and understanding the coverage.  Our product features: 
  • Symbols 8 & 9 (auto) and 47 & 50 (truckers)
  • $2,500 minimum premium, non-admitted
  • Limits up to $1,000,000 are available
  • Hired physical damage available
Don't need hired and non-owned coverage for the whole operation?  We can also write coverage for specific drivers on a symbol 10, scheduled driver basis.
Hired and non-owned is a tricky, often misunderstood coverage line.  But we're here to help.  For more information, give us a call at 800-354-4844 and ask for Underwriting.
Professional Liability can be a great way to round out your accounts.  Through our partner company, USLI (United States Liability Insurance Group), Pacific Gateway can provide you access to a wide variety of Professional Lines with commissions up to 15%. 
 Some examples of products at 15% are:  
  • Non-Profit Directors & Officers
  • Community Associations
  • Specified Professions E&O (Over 80 Classes) 
  • EPL
In addition to these fine products, the following are available at 12.5% commission:  
  • Medical Providers Employment Practices Liability
  • Property Managers E&O
  • MicroTek Liability Package (3 or fewer consultants)
  • Technology Professional (up to 15,000,000 revenue)
  • Crime Insurance For Community Organizations
Since we know in these tough economic times pricing is important to closing the sale, we keep the USLI products  competitive with only a $25 policy fee on all commercial lines, and $35 on personal lines.  
For further details, including instructions on how to gain direct access to the USLI rater, on this or any product, please call us at 800-354-4844 or go to our website
Better Phone System Means Better Service
If you have called Pacific Gateway lately you might have noticed the change to our phone system and extensions. When calling us at 800-354-4844 you will be presented with the following menu options:
    1. If you know your parties extension
    2. Employee directory
    3. If you want a phone indication
    4. Claims
    5. Accounting
    6. Our fax and/or address
    0. Operator

Phone - Cisco
NOTE: Our extensions now have a 4-digit format - please add 8 in front of the old 3-digit extensions. e.g. extension 104 is now 8104. When entering extensions you need to press the # key to be connected to your party.
For a complete office phone list click here.
In addition to the items we covered in this newsletter we can help you with a wide variety of commercial auto, garage, property/liability and workers comp.  We appreciate your continued support of our company.  Should you have any questions regarding any items we have covered, please contact me at the number listed below.
Mike Tudman
Marketing Manager
Pacific Gateway Insurance
800-354-4844 ext 8133