You or the insurance carrier may have many reasons to contact the insured. The names you list in the contact information section should anticipate these reasons...
- General Information - the person you meet with, often the owner, to complete and review the application
- Accounting Information - the bookkeeper, accountant, comptroller, etc. This would be the person an insurance company auditor would contact to get final payroll or sales numbers.
- Physical Site Inspection - this would be the person the insurance carriers' safety engineers would contact to arrange an on-site visit.
CONTACT TYPE: Use the list above or add your own description of the type of contact to which this person will be best suited.
CONTACT NAME: The name of this contact. Use the name to which they normally answer. I have always called by brother Andy, but when I call his office nobody there knows him as Andy. They know him as Andrew or Mr. Williams. I would use Andrew Williams as the name for this space.
PRIMARY PHONE and SECONDARY PHONE:
Check the one box that applies - Home / Business / Cell
Some thoughts of mine on home and cell phones. I would never give out a customer's home or cell phone number without having a written permission to do so on file. Cell phones are more problematic than home phones because cell phones can receive texts. Text are a permanent record the same way an email is a permanent record. It is a dangerous legal idea to have a personal cell phone receive any business related text messages. It gets into all kinds of Privacy Law issues.
PRIMARY E-MAIL ADDRESS / SECONDARY E-MAIL ADDRESS
I would get written permission for my file before giving out their e-mail address. Of course, if the person whose email address you are listing here is also the person signing the application, then I think that is written permission.
I would worry about a secondary e-mail address being a personal e-mail address. I would worry about any e-mail address that was received on a personal - as opposed to business only - cell phone. As I understand it, if you have any business related data - texts, voice mails, e-mails - on your personal cell phone and you leave the employment of the business related to that data, then you are automatically at risk of being exposed to having committed a felony for possession of personal data.
SECOND CONTACT INFORMATION
I hope this has helped you learn how to complete the ACORD 125 commercial insurance application applicant information contact section.
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