Frequently Asked Questions: Online Enrollment

GETTING STARTED

• How do I access the Online Enrollment option? Please select your state and then click on the Enrollment button on the left side of the page. The Enrollment page will display a gold button labeled “Enroll Online.” Click this gold button and your computer will be directed to our online enrollment. You may also access the online enrollment from our home page by clicking the “Enroll Online” button.

• Is your website secure? Yes, after you receive your quote, your online enrollment is processed using a secure server that encrypts your personal information.

• How do I verify that the website is secure? Check the web address: Normally, web addresses begin with “http.” Secure websites will begin with “https.” Some browsers also display a “lock” icon, usually in the lower-right portion of the window to indicate that the site is secure.

• I do not wish to provide my credit card information over the Internet. Can I purchase coverage with a credit card over the phone? No, the credit card payment option is only available on our secure website. We do not accept any other electronic payment types. If you do not wish to enroll online, you must submit your enrollment via mail with a check or money order.

COMPLETING THE FORM

• What should my effective date be? The effective date of your policy must be on, or after, the inception date of the policy. You should request an effective date to maintain continuous coverage (if your current coverage expires January 1, you should request an effective date of January 1). Otherwise, you will lose any previously established Retroactive Date (for prior acts coverage). If you do not have continuous coverage, your new Retroactive Date will be the effective date of your new coverage. If you discover that you have missed timely renewal and cannot obtain your desired effective date online, please call RISC immediately to see if you qualify for reinstatement of your coverage back to the inception of the policy period. Reinstatement will eliminate a break in coverage and loss of your Retroactive Date. Always pay your premium on time to avoid a break in coverage and protect yourself from uncovered claims. If you are unsure about the inception date of the group policy for your state, please refer to the chart below:

IDAHO October 1	IOWA January 1	COLORADO January 1
KENTUCKY* April 1	LOUISIANA* January 1	MISSISSIPPI July 1
NEBRASKA January 1	NEW MEXICO January 1	NORTH DAKOTA* January 1
RHODE ISLAND* April 30	SOUTH DAKOTA* January 1	TENNESSEE January 1

*Note: Some of the above states are not yet available for online renewal

• I do not yet have a license number. What number do I enter for the license number? If you do not yet have a license number, you may indicate that your license is pending by clicking the “pending” box which appears next to the license number field. In order to add this number to your records, please notify RISC of your license number once it has been issued. Please note that you must provide a license number for the Nebraska program.

• The license number I entered in my enrollment is invalid. What should I do? Please refer to the instructions beneath the license number field in order to correctly format your license number. License numbers must be a submitted in a certain format and contain a certain number of digits in order to accurately transmit your coverage information to your Commission. If you need assistance, please contact our offices.

• I do not wish to provide my social security number on my enrollment? What should I enter in the social security field? You may choose to enter your social security number as nine zeroes (Ex.: 000000000). Please note that the social security number is required for licensees in Colorado in order to submit your verification of coverage to the Commission. To help us identify your information, you may also choose to enter 5 zeroes followed by the last 4 digits of your social security number (Ex.: 000001234). Please note that failure to provide this information may cause difficulties in notifying your commission of your coverage.

• I enrolled online for my individual coverage. Is my firm required to have a separate policy? Firm license coverage is required for the following states: Idaho, Iowa, Colorado, and Louisiana. Firm license coverage is optional in Tennessee.

• Why can’t my firm purchase endorsements? Firm licensees are not eligible to purchase endorsements other than the Conformity Endorsement for other mandated states that require firm coverage. Firm license coverage is required in Iowa, Idaho, Colorado and Louisiana. The Group Programs provide coverage to the real estate firm by including the firm as an insured under the individual real estate licensee's policy for the licensee's covered claims. Optional coverages purchased by the individual real estate licensee will apply to the firm when the firm is covered under the definition of insured. You may access the Sample Policy on our website for the actual terms of the Group Program or contact our Claims Department if you have any questions.

• I already enrolled online, but I would like to add endorsements. Can I purchase endorsements separately? Licensees may only purchase endorsements online if purchasing group coverage online simultaneously. If you have already purchased group coverage and wish to add endorsements, you must mail a completed enrollment form indicating the requested endorsements along with the appropriate payment by check or money order directly to RISC. Please note under the premium portion of the enrollment that you have already purchased group coverage. Also note that endorsement premium payments cannot be prorated.

• Why isn’t my state listed under the Conformity Endorsement? A Conformity Endorsement is available for licensees who are licensed in other mandated states (outside your home state) which require proof of E&O coverage. This extension does not apply if you are a non-resident of your Group Policy State. The states listed are the only other states requiring proof of E & O coverage. Please refer to your policy to determine if professional services in any other states are covered.

• Where can I find evidence of the endorsements I purchased? Any endorsements selected will appear on page one of your certificate toward the bottom of the page. If you would like to have the full-text endorsement, you may contact our offices to receive a copy by mail, fax or email.

• Do I still need to send my enrollment form to RISC if I enroll online? If you have enrolled for coverage online, it is not necessary to submit the hard copy of your enrollment form.

• I am an appraiser. Why is the appraisal coverage only available to real estate licensees? Appraisers without an active real estate license are not eligible to purchase coverage under the Group Program. Please contact our offices if you require additional information.

PROCESSING CREDIT CARD PAYMENT

• Where can I get a receipt of my payment? Once your payment is processed, you will automatically receive an email receipt of your payment. If you did not receive your receipt by email, you may have incorrectly entered your email address or it may have been filtered by your Spam protection service. Please contact our offices if you would like a copy of your payment receipt.

• My credit card payment failed. What should I do? Please follow the instructions provided to return to the enrollment and correct your information. Please make certain that the information entered into the Billing Information portion of the form matches exactly as it appears on your credit card statement. If you are not sure about the information being submitted, do not re-submit your transaction until you have verified your billing information with your credit card issuer. The payment amount may be deducted from your available balance each time you submit your information, although the funds may not ultimately be deducted from your account if the transaction fails. If you are in need of detailed information about the reason your payment failed, please contact our offices.

PROOF OF COVERAGE

• I am unable to download my certificate? How can I access my certificate? A link to your certificate of coverage is provided upon the completion of online enrollment. Your certificate will download in .PDF format. If you are experiencing difficulty in downloading your certificate, you may need to update your version of Adobe® Acrobat Reader® or other PDF Reader. For special assistance, please contact our help desk at policyadministrator@risceo.com. Please make sure to reference your name and Customer ID number in your email.

• Will you notify my commission that I have enrolled online? We will verify coverage electronically with your primary state commission in the states where we provide the real estate commission’s group program. However, it is your responsibility to provide verification to other commissions and entities outside of your primary state. Please note that in some states, a hard copy of the certificate is required for notification of your coverage. Please review the requirements for licensing in your state to verify the preferred means of notification if you are a new licensee. Please note: If you do not provide an accurate name and license number as it appears on your license, we cannot accurately verify your information with your state’s commission.

CHANGES OR CANCELLATION

• I made a typing error on my online enrollment. How can I correct my online enrollment? Please submit any changes to your online enrollment in writing. Please include your name, license number, the Customer ID Number indicated (on your email receipt) and the name on the credit card used for payment. Please indicate in detail the changes that need to be made. Do not include your credit card number. Requests may be sent via email to policyadministrator@risceo.com or via fax at (502) 897-7174.

• My information has changed since I enrolled for coverage online. How do I update my information? Please submit any changes to your online enrollment in writing by completing an Information Update form. You may obtain this form on our website. The Information Update form may be sent via email to policyadministrator@risceo.com, via fax to (502) 897-7174 or via mail to PO Box 6709, Louisville, KY 40206.

• Are cancellations or refunds permitted? Cancellations or refunds are not permitted after the inception date of coverage. Coverage does not take effect until an active license is issued. In the event that the license is never issued, cancellation may be permitted subsequent to verification with the Commission. All refund requests must be submitted in writing to RISC prior to the effective date of coverage with all information pertinent to online enrollment and payment.

For questions not addressed in our Frequently Asked Questions, please contact our offices.

When applicable, please have your Customer ID Number (indicated on your email receipt) and the exact name on the credit card used for payment available so that we may access your payment records.

RISC

Rice Insurance Services Company, LLC

Email: policyadministrator@risceo.com

Toll Free: (800) 637-7319

Local: (502) 897-1876

Fax: (502) 897-7174

CNA is a service mark and trade name registered with the US Patent and Trademark Office. The program referenced herein is underwritten by Continental Casualty Company, one of the CNA insurance companies. This information is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the products and services offered. Only the policy can provide the actual terms, coverages, amounts, conditions and exclusions. This program is only available in select states. ©2006