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Brownstone Insurance Invites you to Participate in
Our Red Sox Trivia Challenge!

Every year, we award Red Sox tickets to our agents and brokers who answer our trivia questions correctly. Any agent or broker in Massachusetts, Connecticut or Rhode Island can join our email list and have a chance to win! We’ll give a set of tickets away every Tuesday.

Congratulations to Denise M. Donohue of Colonial Insurance Services in Mansfield, MA! She is our August 31st trivia contest winner. Thanks to everyone who participated, and if you did not win this year, keep an eye out for our 4th Annual Red Sox Trivia Challenge next year!

This week’s answer: C – 25
For those of you interested in learning how we arrived at this figure, please take a look at this screen shot of the official Yankee stats page as of Tuesday morning on August 31st (when the email was sent). This will show you that as of Tuesday morning, the Yankees and the Rays were tied for first, meaning the magic number was derived from the Red Sox record, bringing their magic number at that time to 25 (as seen in the yellow circle).

You may also read this article courtesy of the Boston Herald for clarification.

It’s Free to Play! Here’s how:
1. Use the box below to sign up for the mailing list.
2. Check your inbox every Tuesday for the question.
3. Reply with your answer and you might win!

For Email Marketing you can trust

Waiting days for an indication is bad for your business and costs you money.

We talk to agents all the time, from all over the state. One of the most common complaints is the amount of time it takes to get quote indications from an insurance company.

Many agents say they wait days for an indication. Wouldn’t you agree that waiting this long for an indication is unreasonable, and bad for business?

Brownstone is easy to work with and offers lightening-fast service.

We have been insuring apartments, condos, duplexes, triple-deckers, brownstones and many other types of habitational property for over 25 years. Our specialty is residential condos and apartments with 2-10 units.

We’ll give you fast & simple online quote indications.

Agents told us, “We need a simple, fast way to get an indication”.

• You want to skip the full application for right now.
• You want to get a “ballpark” quote.
• You want to do it quickly.
• You want to do it easily.
• You want to do it without filling out long forms.

Use our online quote indication form, get an indication within 30 minutes*

1. Fill out our online form by clicking here (it only takes a minute or two)
2. Click “Submit” to send us the information
3. The underwriters in our office will immediately receive your request
4. You will receive the indication by email, along with any further instructions

It’s that simple!

Click here now to receive a quote indication

*Our underwriting specialists usually get these back in 30 minutes.

BOSTON, MA (1.10.08) – - Brownstone Insurance Agency has partnered with Everest National Insurance Company to underwrite and administer the Brownstone Package policy.

Everest is a top rated (A.M.Best A+ XV) company that specializes in program business; a perfect fit for us at Brownstone Insurance.

Effective January 1st, 2008, all new Brownstone Insurance habitational policies will be underwritten by Everest National. Any current AIG policies will be effective until the expiration date.

The change from AIG to Everest has offered us a great opportunity to improve our habitational policy-writing skills, and we’re very excited about the change.

We have partnered with Everest for 3 reasons:

• The ability to expand the Brownstone Program
• More rating flexibility
• They help us serve our clients more effectively

Ability to Expand the Brownstone Program

More Territories- Working with Everest, we have been able to expand the program territory to include all of Massachusetts, Rhode Island and Connecticut. Through our affiliate office in New York, the Brownstone Program reaches to New Jersey and New York as well. With a larger territory, you are able to insure more buildings with Brownstone.

More Classes- Another major reason for the change of carrier was our need to include more property classes within the Brownstone Program. With this change to Everest, we can now include apartments, condominiums, offices, mercantile and fire-resistive buildings. Again, more property classes mean stronger selling power to our brokers and agents.

Larger Buildings- In the past, the Brownstone Program had been limited by building size. The Program has expanded with our switch to Everest, and we recognized our need to write larger properties. Now with Everest, we have the ability to insure buildings with up to 100 units, double what we used to insur with AIG.

Better Coverage- Overall, our coverage limits have been greatly improved by moving to Everest. Liability limits have increased to $2,000,000/$4,000,000. We have higher limits on sub-coverage like demolition, water backup, flood and earthquake. We now have more deductible options up to $10,000, and can even offer blanket coverage.

More Rating Flexibility

Higher Limits- Our in-house underwriting authority has increased 500% to $25,000,000, and through re-insurance our limits are boundless.

Ability to serve our clients better

Less Restrictive Underwriting Requirements- By working with Everest, we have more flexible loss control level requirements. Instead of basing loss control on valuation, it is now based on number on units.

Even better, our coastal requirements are improved as well, reduced to only 1/2 mile (compared to 1 mile with AIG)

Simpler Application- Even though our previous application was pretty simple to fill out, it is now even better. Having only only 2 pages, it takes just a few minutes to fill out.

Furthermore, we only need a new application filled out every 6 years, a huge improvement over the previous 3-year cycle.

More Authority as Agency- With more authority for our in-house underwriting department, our turnaround time is fast. We are able to get instant indications, fast quotes and same day policy issuance in most cases.

About Brownstone Insurance Agency
The Brownstone Insurance Program was established in New York City in 1973. The concept for the product was developed by insurance agents living in the up-and-coming neighborhoods of renovated, older buildings in need of habitational policies.

The Brownstone Program was established, and for over three decades it has grown and changed as much as the neighborhoods in which it started.

Today, Brownstone’s Boston affiliate offers some of the most competitive products with competitive prices, underwritten by an insurance company with an A+ rating. We’ve been insuring Boston’s neighborhoods for over 25 years, and we look forward to 25 more.

About Everest National Insurance Company
Everest National Insurance Company represents the primary insurance operations for Everest Reinsurance Company, one of the leading professional reinsurance organizations in the world.

Everest National Insurance Company specializes in primary program insurance opportunities written through underwriting managers, which we refer to as Program Administrators. With our affiliated companies, we offer Program Administrators the products needed to write programs throughout the United States.

We have a staff of seasoned insurance professionals in the underwriting, claims, actuarial, operations, systems, accounting, loss control and premium audit disciplines to assist Program Administrators in analyzing opportunities and developing an approach that favorably positions the program in the market. Everest’s Direct Retail underwriting facilities offer coverage through independent agents to the commercial account market.

1. Instant indications- Your client wants it fast and we help you get it for them. Use our online form, fax us the information or give us a call.
2. 2 page application- Tired of wasting time filling out huge applications? Completing our 2-page application takes just a few minutes.
3. Same-day issuance- Get the deal done and move on. Our in-house issuance department gets them out same-day.
4. Buildings up to 100 units- Our package policy is for buildings as small as 2 units, and as large as 100 units. Don’t be limited by size.
5. Flexible rates- Our rates are competitive, and we can apply special credits. If you need a rate for a good risk, we can get it.
6. 3-Year Policies- Exclusive to Brownstone! Why sell every year? Sign your client up for our 3-year policy and get upfront commission.
7. High limits- Our limits have increased to $2,000,000/$4,000,000. Don’t be limited with other policies.