Yes! You can use AI to fill out Argonaut Insurance Company, AEIG Instructors and Trainers Liability Application

Applicants often check 'Yes' to questions about prior liability claims, criminal convictions, or equine association suspensions but forget to attach the required separate sheet with a detailed explanation. This oversight is common because the instruction is easy to miss while focusing on the main questions. An application without these mandatory attachments is considered incomplete and will be returned, significantly delaying the underwriting process and the start of coverage. To avoid this, create a checklist of all required attachments as you fill out the form and ensure they are all included before submission.

A frequent error occurs in the 'Annual Gross Revenues from Equine Activities' section where the sum of the individual revenue sources (Training, Riding Instruction, Horse Sales, etc.) does not match the 'Total Annual Gross Revenue' figure. This usually happens due to simple calculation errors or estimating figures inconsistently. Discrepancies in financial data can raise red flags for underwriters, leading to processing delays or requests for clarification. Always use a calculator to sum the individual revenue streams to ensure the total is accurate before entering it.

Applicants indicate that they use liability waivers by checking 'Yes' but then fail to enclose copies with their submission as instructed. This mistake happens because the applicant may not have the documents readily available when completing the form and forgets to include them later. Submitting without the waivers prevents the underwriter from assessing a key risk management practice, resulting in an incomplete application that will be sent back. Before submitting, confirm that physical or digital copies of your current liability waivers are attached.

Applicants sometimes provide a vague or overly brief response in the 'Description of your operation' field. They might assume the underwriter understands their business, but this lack of detail can lead to misinterpretation of the risks involved or require follow-up questions, delaying the quote. Since coverage is limited to disclosed activities, a poor description could even lead to a future claim being denied. To prevent this, provide a clear, comprehensive summary of all services you offer, the types of clients you serve, and the nature of your facility.

In the 'Care, Custody, or Control (CCC)' section, applicants may check 'Yes' to desiring coverage but then fail to select a specific limit option from the table. This complex section can be confusing, causing applicants to overlook the second step of choosing a premium/limit combination. Without a selected limit, the underwriter cannot price the policy, rendering the application incomplete. Carefully review the CCC section, select 'Yes' if coverage is desired, and then ensure one of the numbered limit options is clearly checked.

A critical mistake is not listing every single equine activity, especially if it's not explicitly asked about elsewhere on the form. The application clearly warns that 'EXPOSURES NOT DECLARED ARE NOT COVERED.' An applicant might forget to mention a minor or infrequent activity, but this omission could lead to a devastating uncovered claim. To avoid this, brainstorm all services you provide, even occasionally, and list them in the final section or on an extra page to ensure full transparency and proper coverage.

Submitting the application without the applicant's signature and the date in the 'DECLARATION' section is a simple but very common error. Applicants may rush through the final page or overlook the signature line, but an unsigned application is legally invalid and cannot be processed. This will cause an immediate rejection and require the form to be re-submitted, delaying coverage. Always perform a final review of the last page to ensure the signature and date fields are completed. AI-powered tools like Instafill.ai can highlight required signature fields to prevent this oversight.

Applicants may provide conflicting information between different parts of the form, such as stating they offer 'Riding Instruction' but then entering '$0' for 'Riding Instruction' revenue. This also occurs with horse counts, where the number of horses used for lessons doesn't align with the total number of owned/leased horses. These inconsistencies signal carelessness and force the underwriter to halt processing and seek clarification. Review the completed form to ensure all related fields are consistent and logical. Using a tool like Instafill.ai can help by cross-referencing data entries to flag potential inconsistencies.

People often make mistakes with conditional fields, either by leaving a field blank when it's required or filling one out when it should be skipped. For example, an applicant might check 'Yes' to 'Is applicant currently insured?' but then leave the 'Most recent or present insurance company' field blank. This missing information stops the underwriting process. To avoid this, read each instruction carefully. AI form-filling tools like Instafill.ai are designed to handle this logic automatically, showing or requiring fields only when appropriate based on your previous answers.

An applicant might list 'Riding Clinics' as an activity but fail to understand the note stating that coverage is not provided for clinic dates that have not been declared to the company in advance. They might assume listing the activity is sufficient, which could lead to an uncovered event. This is a policy condition, not just an application question. To ensure coverage, you must not only disclose the activity on the application but also provide written notice of specific clinic dates to the insurance company before they occur.