Underwriting FAQ’s

Q- How do I request an inland marine schedule?
A- You may request these items from the Underwriter for your territory.

Q- How do I request Auto ID cards?
A- You may request these items from the Underwriter for your territory. You can also log in to this site and request them. Faxes, email and letters are also accepted.

Q- How do I request a property schedule?

A- You may request these items from the Underwriter for your territory.

Q- How do I delete/add/change property/equipment on my building and contents list?
A- A change form is provided for these requests. You may forward them to the Underwriter for your territory. You may go to the property section once you log in to this site and note any changes. Faxes, email and letters are also accepted.

Q- How do I delete/add/change a vehicle on my vehicle list?
A- A change form is provided for these requests. You may forward them to the Underwriter for your territory. You may go to the vehicle section once you log in to this site and note any changes in vehicles. Faxes, email and letters are also accepted.

Q- When will we receive our policy?
A- Policies are normally distributed to members in mid November. Renewal binders are mailed in late September. The policy is issued in order to ensure that the correct coverages and accurate exposures are included. Frequently, the member has a last minute change in exposures or coverages. Some members, who go out to formal bid, provide different exposure information than what is currently on their agreement. After the bid process is completed, extra time is required to insure the renewal policy is properly updated.

Q- What is the payment plan for my policy?
A- Premiums are paid in equal quarterly installments. Some minimum premiums are paid in full at inception.

Insureds in the standard insurance market are required to pay 100% of the premium up front. If the premium is exceptionally large, a plan may be given. However, these pay plans are generally divided into three consecutive and equal payments.

The FMIT pay plan is spread over the agreement year with no interest charge.

Q- With the General Liability and Auto Liability plans, does the FMIT charge the claims expenses and attorneys fees to the deductible?
A- No. The deductible does not apply to the claims expenses and attorney fees. However, the standard insurance industry practice is to apply the deductible to all claims payments including claims expenses and attorney fees. When multiple claimants are involved in one claim, many insurers apply the deductible per claimant.

The FMIT does neither of these. The deductible applies on a per occurrence basis and does not include claims expenses or attorney fees.

Q- Does the FMIT need to provide me with written notice prior to canceling?
A- The FMIT provides 45 days written notice of cancellation when a member is canceled on the anniversary date (expiration date). The FMIT provides a written notice of 10 days when the cancellation is for non-payment of premium.

Q- Do I need to provide the FMIT with written notice prior to canceling?
A- The Indemnity Agreement states the member will give the Trust 45 days written notice if canceled prior to the expiration date. In addition to giving the member an opportunity to work with the members’ new insurer, it also allows the FMIT to work with the member on any issues that were pending.

Q- Is there a penalty on a return of unearned premium if the member cancels coverage mid-term (after the October 1 renewal date)?
A- The Indemnity Agreement states there is a 10% penalty on the return of unearned premium when canceled mid-term.

Q- Why does the FMIT perform audits?
A- Exposures, such as payrolls, are estimates for a set period of time. At the end of this period, an audit is conducted to determine the final exposures. The final premium is adjusted accordingly.  
 

Workers’ Compensation FAQ’s

Q - When should a Workers' Compensation claim be reported?
A - Members should report the injury as soon as possible, but no later than seven (7) days of their knowledge. If an employee alleges that they were hurt at work the member must report a claim, even if the accident description is not believable. Once a claim is reported it allows the adjuster to investigate the incident and make a determination of compensability. If the investigation reveals that an injury is not covered the employee will be sent a notice of denial and the State is made aware of the determination. If you do not report the claim in a timely manner and a denial is not reported to the State, benefits could be awarded. 

Q - How do I report a claim?
A - There are numerous ways as follows:

  1. Phone- 800-756-3042 (24 hours a day)
  2. Online- insurance.flcities.com – Login under “Manage your policy”
  3. Fax-800-707-7656
  4. Email – intake@flcities.com
  5. (855) FMIT-LOSS

Q - Who do I report suspected fraudulent activity to?
A - Suspected fraudulent activity can be reported openly to the handling adjuster or to the League’s SIU department at (888) 447-5877. You can also report fraudulent activities directly to the Division of Insurance Fraud by calling (850) 413-3115.

Q - When are benefits paid?
A - Benefits are paid bi-weekly.

Q - How much will be paid?
A - Benefits checks are paid at 66 2/3 of the injured worker’s average weekly wage.

Q - How is the Average Weekly Wage calculated?
A - Use the 13 calendar weeks immediately preceding the week of the accident and start with the most recent full calendar week before the week of the accident. For example, if the accident occurred on a Wednesday, then week No. 1 should begin the preceding Sunday and end the preceding Saturday. DO NOT report any wages earned during the week of the accident. Calendar Week: means a seven-day period of time, which starts on Sunday and continues through Saturday.

Q - What does an injured worker do with unpaid medical bills that should be paid on the WC claim?
A - Provide a copy of the bill or itemized statement to the handling adjuster.

Q - What do I do if I get a subpoena for records?
A - Notify your adjuster immediately. The adjuster will ask for your records and provide them to our defense counsel for response.

Q - Can I talk to my employee about their Workers' Compensation claim if they have an attorney?
A - Yes, but your conversation(s) should be limited to job specifics and/or return to work aspects.