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Table of ContentsOVERVIEW . 1GENERAL DOWNLOAD INFORMATION . 1TYPES OF DOWNLOAD AVAILABLE . 1Policy Download. 1Commission Download . 1CERTIFIED VENDORS AND LINES OF BUSINESS . 2TYPES OF TRANSACTIONS DOWNLOADED . 3DOWNLOAD DATA . 3NEW AGENCY GUIDELINES . 3AMERICAN MODERN POLICY NUMBER FORMAT . 3ModernLINK Coexistence policies: . 3ModernLINK Next Generation policies:. 3AGENCY CLIENT IDS . 4NAIC COMPANY CODES . 4IVANS ACCOUNT INFORMATION . 4COMPANY-SPECIFIC COVERAGE CODES . 4DOWNLOAD AVAILABILITY . 4RENEWAL PROCESSING . 4LIMITATION OF LIABILITY . 5TROUBLE SHOOTING PARTICULAR LINES OF BUSINESS . 5MOBILE HOME FOR ML COEXISTENCE. 5Mobile Home/Trailer Group . 5Stationary Travel Trailers . 5RECREATIONAL VEHICLE FOR ML COEXISTENCE . 5Make & Model of Vehicle . 5UMPD Deductible . 6New Jersey . 6New York . 6Colorado . 6Pennsylvania . 6WATERCRAFT FOR ML COEXISTENCE . 7Policy Level Coverages and Credits . 7Trailers on Multi-Unit Policies. 7DOWNLOAD SUPPORT . 7WHEN TO CONTACT YOUR VENDOR?. 7WHEN TO CONTACT AMERICAN MODERN? . 7DOWNLOAD RE-TRANSMISSIONS. 7COMPANY UNIQUE CODES FOR ML COEXISTENCE . 8Manufactured Home (Homeowners) . 8Site Built (Dwelling Fire) . 11Recreational Vehicle (Personal Automobile) . 14Watercraft (Watercraft policy) . 15Motor Sports (Motorcycle & Snowmobile) . 17HO3 Special Form or HO1 Basic Form . 18COMPANY UNIQUE CODES FOR ML NEXT GENERATION . 21CLASS CODES . 24COMMISSION DOWNLOAD DATA . 28
APPENDIX B. 29POLICY DOWNLOAD DATA . 29OverviewAmerican Modern Insurance Group (American Modern) is pleased to provide personal linesACORD downloads in the standard AL3 format. The intent of this manual is to assist you withbeginning to download with American Modern.General Download InformationTypes of Download AvailablePolicy DownloadAmerican Modern offers a daily synchronous download of policy data.Daily synchronous download provides only images of policies that are new or have changed (i.e. newbusiness, renewals, endorsements, cancellations, and reinstatements) on a daily basis. Daily synchronousdownload is normally processed in the early morning hours and is transmitted directly to your agency’smailbox on the IVANS network. Your agency management system retrieves the daily synchronizationdownload from your IVANS mailbox and updates your database.Daily synchronous download is beneficial to an agency because it provides the agency with a means ofmaintaining a more accurate agency management. Daily synchronous download can also be used tobuild an accurate agency database.American Modern downloads policies from two different modernLINK systems. Depending on the Lineof Business and state, will determine which modernLINK system the policy is in.ModernLINK Next Generation policies - Refers to policies that are being renewed to or are written inthe "New" modernLINK system, also known as "Next Generation". Currently, this consists of CollectorVehicle, Motorcycle and Recreational Vehicle lines of business.ModernLINK Coexistence policies - Refers to policies that are renewing to or are written in the "Old"modernLINK system, also known as "Legacy, Classic or Coexistence". Currently, this consists of allproperty policies and some casualty policies.Commission DownloadCommission downloads can only be set up for General Agents and Independent Agents. AmericanModern is unable to send commission downloads to sub producers.An agent can be set up just for Commission Downloads, without receiving policy downloads. To do so,please indicate “Commission Only” in one of the Additional Code fields in the Commission Informationsection, when completing the Policy Download Request Form.Commission Downloads are only sent once a month in the beginning of the month.Version 1.21Updated 06/23/2016
Certified Vendors and Lines of BusinessAmerican Modern has the ability to download the following:Line of businessesPolicy TypesManufactured HomeHO3 – Basic FormSpecialty Homeowners – Special FormRecreational Vehicle (includes motor homes and travel trailers)Watercraft (includes boats and personal watercraft)Motor Sports (includes motorcycles and snowmobiles)Site Built DwellingCollector Vehicle (Next Generation only)HomeownerHomeownerHomeownerPersonal AutoWatercraftPersonal AutoDwelling FirePersonal AutoTable 1: Certified VendorsListed below are the most common Agency Management Vendors that we currently provide policy andcommission downloads. To see a complete list click http://www.ivans.com/downloads/vendor.xlsCertified VendorsAgency AdvantageCAIRINSTARQuomationAgency SoftwareCIM-DATAIRS-AIMSRecord Guardian TechAgency SolutionCSSIITCSISAgency SystemsDorisJENESISSPAN2Agency TechnologyEBIXKeal TechnologySpecial AgentAgents ChoiceFSCMass Ins SystemsTAM of CanadaAMSGBSMI AssistantVRC Insurance XDTIBrooke CorpINS.AutomationQuick QuoteZycompIf your agency management system vendor or the line of business you are interested in downloading isnot listed, please contact American Modern for further information.Version 1.22Updated 06/23/2016
Types of Transactions DownloadedThe following types of transactions trigger a download of the policy image from our system: newbusiness, *renewals, cancellations, reinstatements, and policy changes. With the exception ofcancellations, a complete policy image is downloaded for each of these transactions. Cancellationtransactions contain minimal customer, policy, and cancellation information.* Note: renewals are downloaded the day after they renewDownload DataThe data that is currently available to download is listed in Appendix B.New Agency GuidelinesDownload requirements and procedures differ among the various agency management systems.Please consult your vendor to verify that your system is set up correctly before beginning download.In general, it is important to set your system up correctly to minimize the number of policies that gointo suspense. Many agency management systems match on policy numbers and NAIC codes, soit is important to verify that this information is entered correctly. Many agency management systemsalso allow you to enter company-specific coverage codes with descriptions, which will allow foreasier identification of company-specific coverages.American Modern will provide the list of company unique coverage codes and the descriptions.American Modern will also provide NAIC codes. We do not offer matching on client IDs. You willfind the company unique coverage codes at the end of this manual. Refer to the table of contentsfor the NAIC codes.American Modern Policy Number FormatModernLINK Coexistence policies:American Modern downloads for ModernLINK Coexistence policy numbers are sent as a numeric 13character field with no spaces or dashes. The first three characters of the policy number represent thecompany number, while the remaining ten characters correspond to the actual policy number (seeExample 1).Example 1: Policy Number Format0770003560956Co. #Policy #ModernLINK Next Generation policies:American Modern downloads for ModernLINK Next Generation policy numbers are sent as a numeric12-character field with no spaces or dashes. The first three characters of the policy number representthe company number, while the remaining nine characters correspond to the actual policy number (seeExample 2).Example 2: Next Generation Policy Number Format070 050505050Co. #Policy #Version 1.23Updated 06/23/2016
Agency Client IDsAmerican Modern does not have the capability download agency client IDs.NAIC Company CodesPlease consult your agency management system vendor if you have questions regarding the use of NAICcompany codes on your system. American Modern’s NAIC company codes are:NAIC 12877CompanyAmerican Modern Insurance of FloridaAmerican Family Home InsuranceAmerican Modern Home InsuranceConsumers County Mutual InsuranceAmerican Western Home InsuranceAmerican Modern Select InsuranceAmerican Southern Home InsuranceAmerican Modern Lloyds InsuranceAmerican Modern Surplus Lines Ins Co.German-American Farm MutualAmerican Modern Property andCasualty Insurance Company42722IVANS Account InformationAmerican Modern requests that you have an IVANS account. If you do not have an account withIVANS, American Modern can set one up for you. The following is American Modern’s accountinformation with IVANS.Y-AccountBatch IDMachine AddressAMIGAMIG001IBM513AMMODCompany-Specific Coverage CodesMany of our coverages, surcharges, and credits do not correspond to the standard ACORD coveragecodes. In instances where the ACORD coverage codes do not provide an adequate description of acoverage, surcharge, or credit, we will download our own coverage code. Since many agencymanagement systems allow the option of entering company-specific coverage codes along with adescription to make it easier to identify these coverages, we are including a list of our company-specificcoverage codes for each line of business. A complete list of company unique coverages is located in theAppendix.Download AvailabilityDownload is normally available for retrieval by 5:00 am EST Tuesday through Saturday. To reduceIVANS charges, American Modern requests that agencies retrieve their download before 8:00 am EST.Renewal ProcessingAt least thirty days prior to the expiration of a policy’s current term, depending upon the legalrequirements of the state, a renewal offer will be generated and mailed to the insured. A renewaldownload transaction is not generated at this point. On the actual expiration date of the current term, arenewal transaction is generated and downloaded to the agency. If payment has not been received fromVersion 1.24Updated 06/23/2016
the insured, a cancellation transaction will be processed and downloaded the day after the renewaltransaction has been processed and downloaded. Once payment from the insured has been received, areinstatement transaction will be processed and downloaded, if a lapse in coverage has not occurred. Ifa lapse in coverage has occurred, the policy will be rewritten and the new policy will be downloaded.Limitation of LiabilityAmerican Modern Insurance is willing to provide assistance in the electronic downloading of data. Theassistance is provided without any warranty of any kind, either expressed or implied. In no event willany American Modern company be liable for the accuracy of the download data conversion to the agencyvendor system, nor for any servicing, repair, corrections, or damages, including any lost profits or otherincidental or consequential damages arising out of the download, or the use or inability to use such data.Please contact your agency management vendor if are experiencing any problems.Trouble Shooting Particular Lines of BusinessThe following sections describe possible issues that may occur with a particular line of business.Mobile Home for mL CoexistenceMobile Home/Trailer GroupThe group is used to include the year, make, model, and name of mobile home park which are notincluded with the homeowner’s application. This group will appear in the remarks section. Thefollowing table is a description of the fields used for the mobile home/trailer groupData MHT13DescriptionYearMakeMobile Home ID NumberDate PurchasedCost NewLengthWidthName of Mobile Home ParkStationary Travel TrailersStationary travel trailers are downloaded as a homeowners policy format. There are two company uniquecodes for stationary travel trailers:Data ElementData Element Name6HRU016HRU01Homeowners Policy TypeResidence Type CodeAMERICANMODERNCodeTTTTCode DescriptionTravel TrailerTravel TrailerRecreational Vehicle for mL CoexistenceMake & Model of VehicleThe make and model of the vehicle is stored in a single field on the American Modern mainframe system.This field has been split. The first word that appears in the field will be passed as the Vehicle MakeVersion 1.25Updated 06/23/2016
(5VEH04) data element and any subsequent words will be passed as the Vehicle Model (5VEH05) dataelement.UMPD DeductibleMany of the state-specific Personal Automobile Applications do not support a deductible for UninsuredMotorists Property Damage. In these states, the UMPD deductible will be passed as company-uniquecoverage code “UMPDD”. The deductible will display in 6CVA13.New JerseyBodily Injury: the following codes will appear in Option Code 3 (6CVA19):CodeVTNTDescriptionVerbal ThresholdNo ThresholdPIP – If the medical expense coverage is secondary, a HI (Health Insurance Option) will appearin Option Code 3 (6CVA19). If the medical expense coverage is primary, Option Code 3(6CVA19) will be blank.CodeHIDescriptionHealth Insurance OptionAdditional PIP Options: the following codes will appear in Option Code 3 (6CVA19):CodeIRDescriptionInsured OnlyInsured, Spouse, & RelativesIncome Continuation: Income Continuation coverage is designated by the company-uniquecoverage code “INCOM”. Limit 1 (6CVA11) is the weekly benefit limit and Limit 2 (6CVA12)is the total limit.Essential Services: Essential Services coverage is designated by the ACORD coverage code“OTEXP”. Limit 1 (6CVA11) is the daily benefit limit and Limit 2 (6CVA12) is the total limit.New YorkWork Loss, Other Expense, & Death Benefits: Work Loss, Other Expense, and DeathBenefit limits are displayed as aggregate limits under Added PIP. If the policy does not haveAdded PIP coverage, the totals displayed will be the PIP limits.ColoradoAdditional PIP with Medical Expense & Unlimited Work Loss Combined: Additional PIPwith Medical Expense and Unlimited Work Loss Combined is designated by a “M” in OptionCode 1 (6CVA15) and a “EW” in Option Code 2 (6CVA17).PennsylvaniaWork Loss Benefit: The total limit is passed with the ACORD coverage code “WLB” and isdisplayed in 6CVA11. The Work Loss Benefit is passed as company-unique coverage code“WLBMO” and the monthly limit is displayed in 6CVA11.Version 1.26Updated 06/23/2016
Watercraft for mL CoexistencePolicy Level Coverages and CreditsPolicy level coverages, surcharges, and credits are attached to the first unit on the policy. Examples ofpolicy level coverages, surcharges, and credits include add-on policy fees and multi-unit discounts.Trailers on Multi-Unit PoliciesOn multi-unit policies with a single trailer, the trailer will be attached to the first unit on the policy. Onmulti-unit policies with multiple trailers, a trailer will be attached to each unit on the policy.Download SupportWhen to contact your vendor?If you have a problem with your Agency Management System, such as, needing assistance setting upcodes or other download problems, please contact your vendor.When to contact American Modern?If you have questions or concerns about particular policies or coverages or want to add additional codesto the download, please contact your American Modern representative.Download Re-TransmissionsAMERICAN MODERN archives download data for sixty days. Please contact us immediately if youneed to have data resent. We can resend either entire data transmissions or individual policies asnecessary.Version 1.27Updated 06/23/2016
Company Unique Codes for mL CoexistenceThis section contains the company unique codes by line of business for mL Coexistence lines ofbusiness. Please note: only the codes that pertain to products that you write with American Modernneed to be added to your agency management system.Manufactured Home (Homeowners)CodeDescriptionAGREDAgreed ValueANIMLAnimal Liability – Per OccurrenceANIMXAnimal Liability ExclusionDEDEarthquake DeductibleEXRCExtended Replacement CostENHANEnhanced CoverageFEEPolicy FeeFLFlood/Rising Water Extension (Most current ACORD code)FLDEDFlood Deductible – See FormFLXFlood or Rising Water ExclusionFRCFunctional Replacement CostFMFEEFlorida State Fire Marshal Regulatory Assessment and SurchargeFLCEAFlorida Citizens Emergency Assessment FeeGOLFLGolf Cart Liability ExtensionGUARRGuaranteed Replacement CostHAILHail DeductibleHCFHurricane Catastrophe Fund (Most current ACORD code)HURRHurricane Deductible (Most current ACORD code)INALEIncrease in Additional Living ExpenseIPSInsurance Premium SurchargeLMOLDLimited Mode Coverage 50,000LACEALouisiana Citizens Fair Plan Regular AssessmentLACMELouisiana Citizens Fair Plan Market Equalization ChargeLCPMELouisiana Citizens Coastal Plan Market Equalization ChargeMEDACMedical Payments Per Accident LimitMOAMDMobile Owners AmendmentMOLDLLimited Mold LiabilityMLDEQLimited Mold Coverage EqualMOLDXMold Exclusion LiabilityNDPNatural Disaster ProtectionNSHALNon-Structural Hail DamageNYFIFNew York Fire Ins. Fee SurchargeORENTOccasional RentalPDPhysical Damage to Property of Others (Most current ACORD code)PER50Personal Liability 50,000 MaxPL50Premium Liability 50,000 maxPRMTXPremium TaxRCPLReplacement Cost - Partial LossesSHEATSupplemental Heating SurchargeSVCStated Value CoverageVMDEDVandalism/Malicious Mischief DeductibleWHHRDeductible Clause 1Version 1.28Updated 06/23/2016
CodeDescriptionWVMVFWest Virginia Mandatory Volunteer Fire Dept SurchargeXNSHDNon-Structural Hail damage ExclGCLGolf Cart Coverage LiabilityCHDXCosmetic Hail Damage ExclusionPPTHFPersonal Property Theft ExclRESBUResidence BurglaryXHDACHome Day Care ExclusionAOVMMV &MM DeductibleTRPCOTrip CollisionERSEmergency RemovalABCSDApplies separately to Coverage A, B ,CBURGLBurglary DeductibleWWFWind, Water DeductibleSATACAntennaBDRSKBuilders RiskHOBBYHobby FarmingOSEXCBuilding ExclusionRCPLReplacement Cost Partial LossesWHFDDeductible Wind Hail FloodTHBGXTheft/Burglary ExclusionOCCRTOccasional RentalWNDSDWindstorm Deductible (Most current ACORD code)WWDEDWind Water DeductibleLAPSELapse Policy FeeSCCSupplemental Coverage CreditENHCEnhanced CoverageFLCITFL citizens 2005RFCVCRoof Covering constructionRFTDOver the roof tie downDIGSTDiagonal straps attached to the frameXFLZNHome not located in a flood zoneFLZONFlood Zone designationDISWTDistance to the waterSECWRSecondary water resistanceNAIFENon-admitted insurance feeEB500Mechanical Breakdown with a 500 deductible optionEB250Mechanical Breakdown with a 250 deductible option9MMobilowners AmendmentFLDEDFlood25MLD 25,000 INCLUDEDWDDEDINTERIOR WATER DAMAGE DEDUCTIBLEFRAMEFRAMEMHWHEAMH WINDSTORM AND HAIL EXCLUSIONWHEOHAMH WIND EXCL OTHER THAN HURRICANELHWC1COMPENSATIONDRBACDRY ROT, OR BACTERIA COVERAGELBBRLIMITED BED BUG REMEDIATIONBBALELMT BED BUG REM-ALE SUBLIMITPECVPERSONAL ELECTRONICSVersion 1.29Updated 06/23/2016
CodeDescriptionPERELEDEDUCTIBLE-PERSONAL ELECTRONICSTXFAITexas Fair PlanFRFUFORTIFIED Roof upgradeVersion 1.210Updated 06/23/2016
Site Built (Dwelling Fire)CodeDescription10AGG 10,000 ANNUAL AGGREGATE12VEXSDW 12 MONTH MH VACANT EXTENDED COVERAGE20AGG 20,000 Annual Aggregate4NTXMobilowners Amendment50AGG 50,000 ANNUAL AGGREGATE5AGG 5,000 Annual AggregateABEXCAnimal Bite ExclusionACVWDACV Settlement and Water Damage ExclusionALEXCAnimal Liability ExclusionALINCAdditional Living Expense IncreaseALSLAnimal Liability Sub-limitANYFRAny One FireAURMLAutomatic RemovalAVFXAGREED VALUE MODIFIED REPLACEMENAXZNon-admitted insurance feeBROFEBroker FeeBURGDBurglary DeductibleBURGLBurglaryCCBBuilding code roof coveringCCCBuilding code roof attachmentCCDToe nail – Roof to wall ConnectionCCEClip – Roof to wall connectionCCFSingle Strap – roof to wall connectionCCGDouble strap – roof to wall connectionCCHHigh slope roof shape & hip pitchCCIHigh Slope roof shape & Gable pitchCCJHigh Slope shape & gambrel pitchCCKLow roof shape & hip pitchCCLLow roof shape & gable pitchCCMLow slope roof shape & gambrel pitchCCNLow slope roof shape & shed pitchCCOLow slope roof shape & flat pitchCCPSecondary water resistanceCERFDCertified Fire Department Graded Class 10 CreditCLFRDFire Damage Limit - 50,000CLIABBMF COMMERCIAL OCCUPIED LIABILITY E&SCLMXPClaim ExpenseCOIVTCoins in a VaultCONLSConsequential LossCVDEFBMF COVERAGE DEFICIENCYCVLIABMF COMMERCIAL VACANT LIABILITY E&SDP1FRDP1- FireEBDEDEQUIPMENT BREAKDOWN –DEDUCTIBLEEMPAEMPA SurchargeERPROEmergency Removal of PropertyERSEmergency Removal ServiceERSEMERGENCY REMOVALEXRCExtended Replacement Cost CoverageVersion 1.211Updated 06/23/2016
CodeDescriptionFAEXPFirst Aid ExpenseFAIBRFine Arts (including Breakage)FAXBRFine Arts (Excluding Breakage)FDRBMHU FUNGUS DRY ROT BACTERIA MANDATORYFIAVTFine Arts in a VaultFRMPLIncidental Farming Personal LiabilityGCPDLGolf Cart Physical Damage and LiabilityHAILDHail DeductibleHHFHealthy Homes FundHOPLSHomeowners Plus CoverageHUASHurricane – Other StructuresJEWVTJewelry in a VaultJWFFJewelry/Watches/Furs/FirearmsLAADRLoss Assessment – Additional ResidenceLARESLoss Assessment - Residence PremisesLDTHFLimited Theft CoverageLFDED 1,000 PER OCCURRENCELFSAGPROP REMED ESC LIQD FUEL COVGLFSBGESC LIQUID FUEL LIAB CVG BELOW GRLFSLALEAD&ESCAPED LIQ FUEL LIABILITYLOPRPOffice or Professional Use of Residence Premises - LiabilityLPPEXLEAD POISONING EXPENSEMLDEXMold ExclusionMOLDLFungi/Wet/Dry Rot/Bacteria LimitNRALNecessary Repairs After LossOSEXCOther Structures ExclusionOTPRCOther than Products/Completed OperationsPLEXPPremises Liability Expanded CoveragePLOFPPremises Liability Office or Professional use of Insured PremisesPPINBPersonal Property including BurglaryPPINTPersonal Property including TheftPPOFPCoverage C – Personal Property – Office sue of Residence PremisesPPOPROffice or Professional Use of Residence Premises – Personal PropertyPRMGRPremises Liab-Additional InsuredPRMGRPROPERTY MANAGER – PREMISES LIABRCLOSRepair Cost Loss SettlementRCVDMHU RESIDENTIAL COV DEFICIENCY ENDST MANDATORYRENTVRental ValueRENVARenovation Amt incl in covg ARESBUResidence BurglaryRFACVACV Roof SettlementRSLIABMF RESIDENTIAL OCCUPIED LIABILITY E&SRVALERental Value and Additional Living ExpenseRVLIABMF RESIDENTIAL VACANT LIABILITY E&SSATACSatellite AntennaSATEXSatellite Dish ExclusionSILVTSPP – Silverware in a VaultSLTAXSurplus Lines TaxSM2Wind and Hail CoverageVersion 1.212Updated 06/23/2016
CodeDescriptionSM3Wind and Hail DeductibleSPAFSpecial Assessment FeeSPCOMSpecial Computer CoverageSPLADIncreased Special Limits of Liability and Additional CoveragesSPORTSPP - Sporting Equipment(Firearms Included)STAFEStamping FeeSTAVTSPP – Stamps in a VaultSTROStructures Rented to OthersTERRLTerrorism Premises LiabilityTHEFTTheftTHFTDTheft DeductibleTRANTTelevision and Radio Antenna CoverageUNRNIUnrelated named InsuredWBUSDHU WATER BACKUP OF SEWERS AND DRAINS MANDATORYWCMDXWater Coverage W/Mold exclusionsWHDEBWind/Hail Deductible Buy-BackWHDEDWind and Hail DeductibleWHEXCWind and Hail ExclusionWHEXCWIND AND HAIL EXCLUSIONWTISNWeight of Ice and Snow CoverageXROOFRoof ExclusionMINAEMine Subsidence Additional Living Expense / Fair Rental ValueMINLUMine Subsidence Loss of UseMINNDMine Subsidence Non-Dwelling StructuresVersion 1.213Updated 06/23/2016
Recreational Vehicle (Personal Automobile)CodeDescriptionACVIOAccident/Violation SurchargeADDISAccidental Death & DismembermentBUSHVHeavy Business Use SurchargeBUSLTLight Business Use SurchargeCOLLDChange in Collision Deductible Credit/SurchargeCOMPDChange in COMP Deductible Credit/SurchargeDIMDDiminishing DeductibleEXPIPExcluded pipEXPOPExperienced Operator SurchargeFEEPolicy FeeFTBIFull Timer Bodily InjuryFTPDFull Timer Property DamageGLASSFull Glass Coverage (Most current ACORD code)GPIPGuest PIPINCOMIncome Continuation CoverageJTOWNJoint Owner SurchargeMBEWLMilitary Benefits Excluding Work LossMBIWLMilitary Benefits Including Work LossMECIMedical Expense Coordination - Insured OnlyMECIRMedical Expe
NAIC Company Codes Please consult your agency management system vendor if you have questions regarding the use of NAIC company codes on your system. American Modern's NAIC company codes are: NAIC Code Company 12314 American Modern Insurance of Florida 23450 American Family Home Insurance 23469 American Modern Home Insurance
