Frequently Asked Questions

Standard Coverages and Limits:

• Dwelling: Maximum $1,000,000.
• General Liability: $1,000,000 per occurrence with a $2,000,000 maximum aggregate.
• Loss of Rents: $100,000.
• Ordinance or Law:
• 100% of the declared value for 1.a.1.
• 10% of the declared value for 1.a.2 and 1.a.3.
• Water Backup Coverage: $10,000.
• Personal Property Coverage: $5,000.
• Other Structures: Additional structures within 100 feet of the property are covered up to $250,000, with limits manually updated.

What are the policy terms and restrictions?

• Policies are 12-month terms only.
• QUBIE does not write business in these states:
• Connecticut, Florida, Hawaii, Massachusetts, New York, New Jersey, and Pennsylvania.
• Effective dates cannot be backdated before the quote date.
• Cancellations cannot be backdated beyond 30 days from the request date.

How is property data determined?

Pre-filled data comes from tax assessor records. Defaults are applied if data is missing:

• Property type: Single-Family Dwelling.
• Construction type: Frame.
• Year built: 1900.
• Square footage: 1500 sq. ft.
• Building value: Based on average replacement cost in the area.
• Loss of rents: Calculated as 10% of the building value.

How are carriers assigned?

• QUBIE policies are underwritten by two carriers:
• Certain Underwriters at Lloyd’s, London (CES).
• QBE (QBS).
• Carrier assignment is based on the last digit of the insured property ZIP code:
• Odd numbers: CES.
• Even numbers: QBS.
• Existing policies remain with the original carrier.

What payment methods are available?

Payments can be made instantly via ACH at the time of bind.

How do I find and manage policies?

To view policy documents:

1. Select Customer Search in the top navigation bar.
2. Enter the policy number.
3. Select View Docs from the Policy Overview page.

To access an application started by the insured:

1. Select Customer Search in the top navigation bar.
2. Enter the quote number or street address.
3. Select Complete from the Quote Overview page.

Why are there different quote numbers listed?

QUBIE generates a new quote number for every transaction:

• New business.
• Endorsements.
• Cancellations.

Searching by any quote number will display all associated records.

How do I add a property manager to a policy?

Adding a property manager to the policy requires two steps:

1. Select Yes to "Do you have an additional insured to add to the property?"
2. Enter the property manager's information.

How do I submit a claim or get support?

Claims and support inquiries should be directed to REI_support@ses-ins.com.

Updated resources, including "Submit Claim," "FAQs," "Contact Us," and "Get Appointed," are available at ses-ins.com.

New Carrier QBE (QBS):

• Policy numbers assigned to QBS will contain "QBS," while CES policies will retain "CES."
• The UMR (contract number) for QBS is B123024SES1465.
• QBS policies have an A.M. Best rating of A.

Policy Document Changes:

• The policy jacket (first page) differs between CES and QBS.
• Policy declaration pages for quotes generated after [INSERT DATE] will look slightly different.
• Some policy form numbers have been updated but remain consistent between CES and QBS.

What happens if there’s a data error or missing information?

Missing or incomplete property data defaults to:

• Property type: Single-Family Dwelling.
• Construction type: Frame.
• Year built: 1900.
• Square footage: 1500 sq. ft.
• Loss of rents: 10% of building value.

What are the exclusions for animal liability?

(This information is pending. Check back for updates.)