Commercial Lines
406.532.2160
Product Features
- Numerous Admitted Markets
- Online Quoting Available
- At least an “A” A.M. Best Rating
- Direct Bill available with Capitol policies
- Specialized Programs
- Coverage Extensions
- Financial Stability
- Competitive Premium
- 10% Agency Commission
- Standard Acord Applications/Forms Accepted
- Umbrella/Excess Available
Optional Coverages/ Endorsements
- Equipment Breakdown Available
- Property Extensions
- Replacement Cost
- Vacant Building Coverage
- Spoilage
- Competitive Liquor Liability
- A & B Coverage Available
- Hired/Nonowned
- Commercial Auto
- Gaming on Per Machine Basis
- Superior Contractor Coverage
- Special Event Coverage
- Medical Up to $5,000
- Liability up to $1,000,000/ $3,000,000
- Special Form Property Available
- Builders Risk
- Outdoor Sign Coverage
- Business Income
- Peak Season
- Scheduled/Unscheduled
- Theft
- Employee Dishonesty
- Abuse and Molestation Coverage for Daycares
(alphabetical order)
APPLICATIONS
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How do I go about getting a new business quote?
Send a complete Acord Application to CL@bigskyunderwriters.com. Your underwriter will then contact you if any additional information is needed to provide the quote.
Why should I send my quote (new or renewal), bind, endorsement, etc. request to cl@bigskyunderwriters.com in lieu of sending it directly to an underwriter or assistant underwriter?
The CL@bigskyunderwriters.com address is managed by one person in our office who reads through each correspondence and then distributes the request to the designated underwriter or assistant underwriter’s task list. This makes for a smooth transaction in which the file is touched once by the correct person in a timely matter. Also, if your underwriter is out, the request can be forwarded to the individual’s backup right away.
Who do I talk to about Capitol Direct Bill account issues?
For any billing questionsregarding Capitol Indemnity Direct Bill please contact Capitol directly at 888.541.0481.
If an additional/return premium endorsement or cancellation is processed on a policy when should I expect to see the charge/refund?
The refund/charge will be included on your agency statement the following month. For example: if the cancellation was processed in March, the refund will show up on your April statement.
How do I dispute an audit if the insured feels it is inaccurate?
After receiving the audit and invoice, the insured has 30 days to provide a signed letter stating that the audit is incorrect and why. Corrected figures should also be provided at that time so that the audit can be revised.
Why am I receiving my policies via email rather than through the mail?
Big Sky Underwriters is “Going Green”. E-mailing the policies is a great way to save paper and reduce waste. We have also found it is a much faster way to get the policies to your office. *If you do not want your policies e-mailed please let us know and we can make arrangements to have the policies mailed to you.
Will I receive a renewal quote for my upcoming renewal policy or will it renew automatically?
If the policy is written through Capitol Indemnity, it will be renewed automatically and you will not receive a quote. If it is written through any other company, you will receive a renewal quote 45 days before the renewal date.
Do I need to get a new signed Terrorism Form from my insured every year?
No, we do not require a new signed Terrorism Form every year. Our companies require new copies every three years. If a Terrorism Form is needed, we will be request it on the “Order to Bind” page of your renewal quote and/or the thank you letter which accompanies the policy.
What information must be provided to obtain a Replacement Cost property coverage quote?
In order for us to provide a Replacement Cost quote for any building we must have a completed property Acord Application including the age of the building, construction type, and year of updates to the electrical and plumbing systems, and also updates to the roof.
Are overlap children covered on daycare policies?
Capitol Indemnity: Overlap children are covered as long as they are listed on the insured’s license.
USLI: Overlap children must be rated for in addition to the number of children on the insured’s license.
Can booth renters be added to a Beauty/Barber Body master policy?
Yes, independent contractors or booth renters can be added to a Beauty/Barber Body master policy. They do not, however, have to be listed on a master policy if they already have their own insurance policy.
**Information subject to change and may not be applicable to all carriers.
If you have specific questions or concerns, please contact your
underwriter.**
Our goal is to provide the high-quality service and underwriting expertise our agents expect. We are pleased to answer questions regarding our products and services.
Department Email: cl@bigskyunderwriters.com
Department Phone Number: 406.532.2160
Commercial Lines
cl@bigskyunderwriters.com
Megan Tintzman
Underwriter (Western MT & ID)
megan@bigskyunderwriters.com
Ext. 56
Megan started working for Hull & Company in the Fall of 2007 after graduating from the University of Montana with a degree in Business Marketing & Management. She works as a new business commercial underwriter. Megan enjoys playing volleyball, skiing, camping, traveling and all that Montana has to offer.
Kevin Messner, CPCU, ALSI
Underwriter (Eastern MT)
kevin@bigskyunderwriters.com
Ext. 32
Kevin joined Big Sky Underwriters in August of 1997 after working for a mortgage business. He enjoys hunting, fishing, watching high school and college sports and spending time with his wife, daughter and son.
Wendy Arnold
Underwriter (OR, WA, WY)
wendy@bigskyunderwriters.com
Ext. 33
Wendy began her insurance career in 1982 working in independent agencies in the states of Oregon, Washington and Montana. She joined Big Sky Underwriters in 1995. Wendy’s oldest son has joined the insurance industry and works at a major carrier in Phoenix as an adjustor and the younger son works in IT for a major company. Wendy and her husband enjoy golfing and traveling now that they are empty nesters.
Lindsay Leary
Underwriter (Eastern MT)
lindsay@bigskyunderwriters.com
Ext. 24
Lindsay was born and raised in Butte, Montana and moved to Missoula to attend the University of Montana. She began her career in insurance soon after graduation working in a retail insurance office here in Missoula. Lindsay joined the Big Sky Underwriters Commercial Lines Department in April of 2008. She enjoys spending time with family and friends, concerts, music, running, traveling, movies and television.
Paul Vaughn
Underwriter (OR, WA, WY)
paul@bigskyunderwriters.com
Ext. 31
Paul Vaughn handles Non Capitol Renewals for Big Sky Underwriters (BSU). Paul has over a decade of experience in the insurance industry and joined the BSU team in 2007. Prior to assuming a role with Big Sky Underwriters, he worked as an agent for a local independent insurance agency. An outdoor enthusiast, Paul enjoys all that Western Montana has to offer including kayaking, snowboarding, mountain biking, camping, and spending time with his family.
Phil Riley
Underwriter (Western MT & ID)
phil@bigskyunderwriters.com
Ext. 39
Phil started in the insurance industry in 2004 working for Safeco Ins. Based in Seattle he was an Auto Field Claims Adjuster. After a couple years of the big city life, Phil moved back to MT and worked for two years as a commercial lines agent in Stevensville, MT. In 2008 he came on board with Big Sky Underwriters as a commercial underwriter. In the spring and summer you can find him on the lake waterskiing and wakeboarding, or climbing the hills on his snowmobile in the winter.
Michelle Moore
Transportation Underwriter (All States)
michellem@bigskyunderwriters.com
Ext. 27
Michelle was born in Tennessee, raised in Havre, Montana and moved to Missoula in 1995 to be closer to family. She began her insurance career in 2000 managing a retail insurance office here in Missoula. She enjoys working out, softball, bowling, watching sports of any kind, reading and spending time with family and friends.
Jessa Osborne
Assistant Underwriter (MT)
jessa@bigskyunderwriters.com
Ext. 37
Jessa joined Big Sky Underwriters in August of 2009. She moved here from Seattle, WA, shortly after graduating from Pacific Lutheran University with a BA in Economics and Business Administration. While in school, she interned at an insurance brokerage during the summers. She enjoys hiking and camping with her husband and three dogs as well as learning to knit and cook.
Dana Marin
Assistant Underwriter (Western MT & ID)
dana@bigskyunderwriters.com
Ext. 43
Coming Soon!!!
Erin Wheeler
Assistant Underwriter (OR, WA, WY)
erin@bigskyunderwriters.com
Ext. 20
Erin Wheeler graduated from the University of Montana in 2002 with a double major in English and French. She worked for insurance companies in Colorado and New Hampshire before returning to Montana in the summer of 2010. In her spare time she enjoys watching hockey, both at the NHL and local levels.
** Please send any applications, change requests, cancellation requests or other inquiries to our general Commercial Lines email, cl@bigskyunderwriters.com.
(alphabetical order) 24-hour & Drop in Centers Adoption & Foster Placement Adult Daycare Adult Entertainment Alarm Installer Alcohol & Drug Programs Ambulance/Non-Emergency Transport Amusement Center (arcades) Amusement Rides (kiddie) Apartment Complexes Appraisers Archery Ranges Artisan Contractors Artist & Crafters Assisted Living Facilities Athletic/Sports Participant Program Auto Dismantling/Salvage Banquet Halls Bars/Nightclubs/Taverns Beauticians Beauty/Barber Salons Beauty & Massage Schools Bed & Breakfast Biomedical Business Bowling Centers Builders Risk - Renovations Campgrounds Casinos Child Care Providers Churches (see specific appetite) Clubs - Civic, Service, Sports, Social Commercial Auto Concessionaires Condominiums/Townhouses Consultants and Specified Professions Contractors Convalescent Homes Convenience Stores Counselors Demolition Contractors Dental Professionals Detective Agency Drug & Alcohol Rehab Facilities Dry Cleaners Electrologists Elevator Maintenance Repair Employment Agencies Employment Practices Environmental Consultants Environmental Contractors Equine Liability, Care, Custody, Control Excavation/Grading Land Exterminators Family/Group Child Care Fire Extinguisher Servicing Fishing Outfitters & Guides Flea Markets Food Product Mfg Garbage Refuse Collection General Contractors - Commercial General Contractors - Residential Go Kart Tracks Golf Courses Group Homes/Halfway Houses Headstart Programs Health & Exercise Clubs Home Health Care Agencies Home Inspectors Homeless Shelters Homeowner Associations Horse Clubs & Boarding Events Hotel/Motel Packages Hunting Clubs, Preserves Indoor Ice/Roller Skating Rinks Instructors Program Janitorial Landowners Landscaping Lessors Risk Liquor Liability Machine or Machinery Parts Mfg Machine Shops Manufacturers & Distributors Marinas & Boatyards Martial Arts Programs Massage Therapist Medical Equipment Medical Imaging Facilities Mental Health Counseling Metal Goods Mfg Miscellaneous Prof. Liability Mobile Home Parks Montessori Multi-State Retail Operations Microbreweries Mobile Home Parks Nanny/Child Care Placement Agencies Nail Technicians Nightclubs Non-Franchise Supermarkets Nursing Homes Nutritionists Pawn Shops Personal Trainer Pet - Groom/Sitters/Walkers/etc. Pet Food Mfg Physical/Occupational Therapy Preschools Private Investigators Professional Liability Property Managers Psychiatrist Radio/TV/Film Producer Real Estate Professional Liability Refuse, Garbage, Ash Collecting Renovations Rental Stores - Recreational Residential Care Residential Roofers Resort/Campground Restaurant Rifle or Pistol Ranges Roofers Rubber/Plastic Mfg Salvage Yards & Junk Dealers Security Agency Security Guards Shelters - Women/Children Site Pollution Cleanup Site Pollution Liability Special Events Specified Products/Completed Operations Specified Professions Sports Camps & Leagues Steel Fabrication Storage Tank Pollution Liability Swim & Racquet Clubs Tanning Operations Tax Preparation Technology Prof. Liability Temp Help/Employment Agencies Transportation (see appetite) Travel Agents Tree Pruning & Trimming Vacant Building/Property Warehousing Welding, Brazing, & Cutting Wholesale Distributors Wood Products Mfg |
Atlantic Casualty
USLI
- 1-4 Family Dwellings (Commercial Lines)
- Apartments
- Beauty / Nail Salon / Barber Shop
- Child Care - Commercial
- Child Care - Residential
- Clothing Store
- Community Association Package
- Community Association Professional Liability
- Concessionaire and Vendor
- Condo Mini
- Convenience Stores / Delicatessens / Grocery
- Electronic Store
- Employment Practices Liability
- Fitness Centers
- Janitorial Services
- Land Leased to Others
- Laundromats
- Lessor’s Risk Only
- Liquor Stores
- Main Street Mercantile
- Micro Tek Pak (Technology E&O with BOP)
- Mobile Home Parks
- Non Profit Directors and Officers
- The Office
- Real Estate Errors and Omissions
- Residential Condominium Unit Owners
- Restaurants
- Special Events
- Specialty Training Schools
- Specified Professions
- Truckers
- Vacant Building
- Vacant Land