Environmental Liability Program

By | High Hazard | No Comments

Highlights & Features:

  • A (Excellent) Rated Carrier by A.M. Best
  • Commercial General Liability
  • Contractor’s Pollution Liability
  • Consultant’s Professional Liability
  • Limits up to 7M Available
  • Excess Liability Coverage
  • Auto Liability Coverage
  • Available in Most States!

Appetite

  • Environmental Contractors
  • Environmental Consultants
  • Non-Environmental Contractors

Available States:

Available in Most States

Commission:

12%

Submission Requirements:

  • ACORD 125 & 126
  • 3 Year Loss Runs
  • Supplemental Questionnaire

Featured Carrier

Century Insurance Group

Target Classes

  • Asbestos/Lead/Mold Abatement
  • Soil and Water Remediation
  • Storage Tank Installation/Removal
  • Hazardous Material Clean-Up
  • Lab Packing
  • Medical Waste
  • Drum Handling
  • Environmental Drilling
  • Sample Collection
  • Phase I, II, III Survey Consultants
  • Remedial Design
  • Asbestos, Lead, Mold Surveying
  • Oil/Gas Lease Operations
  • Environmental Regulation
  • Waste Arranging/Brokering
  • Carpentry
  • Plumbing
  • Electrical, HVAC/Mechanical
  • Concrete/Masonry
  • Insulation, Excavation/Grading
  • Industrial Cleaning
  • Painting
  • Roofing
  • Utilities
  • Street/Road
  • Drilling (Oil, Gas, Water)

Difficult to Place Property Coverage

By | High Hazard | No Comments

Highlights & Features:

  • This Product is for either Commercial or
  • Personal Properties
  • Monoline Wind Coverage
  • Wind Deductible Buy-Back Program
  • Low (or no) Wind Deductible
  • DIC
  • Earthquake
  • Flood

Appetite

  • Limits = $7,000,000 limit of loss with access to higher limits.
  • FLOOD only, Limit = up to $10,000,000 all zones considered

Available States:

Almost All States

Commission:

13%

Submission Requirements:

  • ACORD 139
  • Complete Statment of Values (SOV)

Featured Carrier

LLOYD’s

Target Classes

  • Condominium Associations
  • Apartment Buildings
  • Hotels & Motels
  • Retail Stores
  • Restaurants
  • Vacant Properties
  • Builder’s Risk and Course of
  • Construction

Target Classes

  • Older Structures
  • Non-Sprinklered Risks
  • More Hazardous Occupancies
  • Medium – High Brush Exposure
  • Protection Codes 4, 6, or Higher
  • Risk with Quote Time Constraints
  • Risks With Prior Shock Losses
  • Flood A&V, CBRA & Non-Participating Zones

Workers Comp for High Hazard Accounts

By | High Hazard, Truckers & Transportation | No Comments

Program Highlights

  • Zero Premium Deposits Options
  • PEO Available
  • Expert and Fair Claims Management
  • HR Services / Support
  • Optional Payroll Service Including Full Tax
  • Remittance and Compliance, 941’s W2’s
  • Standalone Workers Comp
  • Guaranteed Cost Options
  • Large Ded. Program Options
  • Dividend Plans
  • Return of Premium Plans
  • Loss Control Assistance
  • Pay As You Go Options

Available States:

Most States except monopolistic

Commission:

Up To 10%

Submission Requirements:

  • ACORD 130
  • 3 Year Loss History
  • Supplemental
  • X-Mod Worksheet

Focus

  • High Hazard or Tough Classes
  • MOD 1.30 or as high as 5.00
  • Accounts in State Pools or Funds
  • Blue, Gray and White Collar
  • Distressed Accounts or Lapsed
  • No Prior, Cancelled, Non-Renewed
  • New Ventures – OK
  • Multi-State Accounts our Specialty
  • Usual Minimum Premium: $10,000
  • Usual Minimum Payroll: $250,000

Target Market:

  • Assisted Living
  • Ambulances
  • Bridge Painting
  • Chemical Mixing & Mfg
  • Crane Operations
  • Demolition
  • Exterminators
  • Emergency Transport
  • Framing / Construction
  • Freight Handlers
  • Furniture Movers
  • Garbage Operations
  • In Home Care
  • Limousine Services
  • Logging
  • Manufacturing
  • Nursing
  • Roofers
  • Sign Installations
  • Steel Erectors
  • Staffing
  • Tower Climbers
  • Towing Operations
  • Tree Pruning
  • Trucking
  • Transportation
  • Window Cleaners

USL&H – Marine Workers Comp

By | High Hazard, USL&H | No Comments

Program Features

  • Several A-Rated Carriers to Choose From
  • Aggressive Pricing
  • Broad Class Code Acceptance
  • First Dollar Coverage
  • Large Deductible with Reduced Premium
  • Minimum Premium: $10,000 in most states
  • Multi State Accounts
  • Aggressive Claims Management

Available States:

Most States

Commission:

Up To 8%

Submission Requirements:

  • ACORD 130
  • 3-5 Year Loss History
  • Supplemental
  • X-Mod Sheet

Target Market:

  • Boat Service and Repair
  • Fisherman
  • Fisherman Tour Services
  • Ski Rental Companies
  • Diving Trainers
  • Marina Operators
  • Marine Construction
  • Dock and Pier Contractors
  • Bridge Building Contractors
  • Bridge Painters
  • Offshore Oil Workers
  • Shipbuilding and Repair

Standalone Work Comp for Staffing Companies

By | High Hazard | No Comments

Program Highlights:

  • Several “A” Rated Carriers to choose from
  • Broad Class Code Acceptance
  • Guaranteed Cost
  • First Dollar Coverage Options Available
  • Large Deductible Options Available
  • Aggressive Claims Management

Available States:

Almost All States Except Monopolistic

Commission:

Up To 8%

Submission Requirements:

  • ACORD 130
  • 3-5 Year Loss History
  • Current Policy Declarations Page
  • X-Mod Sheet

Target Market:

  • Clerical Class Codes
  • Medical Class Codes
  • Tough Class Codes
  • Blue, Grey or White Collar
  • High X-Mods Welcome!
  • Prior Claims Welcome!
  • Lapse in Coverage Okay!
  • Multi-State Risks

Alternative Workers Comp

By | Construction, High Hazard, Truckers & Transportation, USL&H | No Comments

PROGRAM FEATURES

AM Best Rated “A” Carrier
No Premium Deposit
10-30% Lower than State Pools

Large Deductible Options

  • No Annual premium Audit
  • Aggressive Dividends
  • X-Mods from 1.30-5.00 or higher
  • Gaps, cancelled, & non-renewed OK!
  • Aggressive Claims Management
  • Pay Go with Payroll & HR Available

STATES

All States, except Monopolistic

COMMISSIONS

Up to 10%

SUBMISSION REQUIREMENTS

  • ACORD 130
  • 3 Year Loss History
  • X-Mod Sheet
  • WC Supplemental

WHO WE HELP

  • High Hazard class codes
  • Multi State Accounts
  • High X-Mod
  • Distressed Accounts
  • Non-renewed
  • Cancelled
  • Gap in coverage
  • Accounts in State Pools

TARGET CLASSES

  • Contractors
  • Staffing / Temp Agencies
  • Manufacturers / Fabrication
  • Logging / Woodworking
  • Truckers & Transportation
  • Warehouse Workers
  • Assisted Living / Nursing
  • Tower Work / Cell Sites
  • Farming / Agriculture
  • Energy / Oil & Gas
  • Moving & Storage
  • Tow Truck Operations
  • Roofing
  • Demolition
  • Limousine Services
  • USL&H – Marine Workers Comp

Wind Insurance Lloyds

By | High Hazard | No Comments

Featured Carriers:

  • “A” Rated Carrier

Appetite:

  • Coastal Properties with High Wind Exposure
  • Wood Frame Structures
  • Non-Combustible Structures
  • BPP-Business Personal Property Schedules

Program Features:

  • All Risks or Wind Only
  • Wind can be written an ANY occupancy
  • Choice of ISO forms
  • Up to $10M Value In-House Binding
  • Deductible Discounts up to 10%
  • Usually Beats State Pools

Sampling of Classes: (Many More Available)

  • Condominiums
  • Contractors Offices
  • Churches
  • General Mercantile
  • Office Buildings
  • Restaurants
  • Strip Malls
  • Warehousing
  • And many more…

Commission:

  • 12.5%

Submission Requirements:

  • ACORD 140
  • ACORD 125
  • 2-4 Year Loss Runs, or no loss letter

“A” Rated Workers Compensation Coverage

By | Construction, High Hazard | No Comments

Sampling of Classes:

Main Street Classes: High Hazard Classes:

  • Apartments
  • Appliance Distribution
  • Assisted Living Facilities
  • Auto Dealership
  • Barber / Beauty
  • Bed & Breakfast
  • Clubs
  • Gas Stations
  • Hardware Distribution
  • Health Clubs
  • Home Care – Assisted Living
  • Home Improvement
  • Hotels / Motels
  • In-Home Care – Nursing
  • Nursing
  • Office Buildings
  • Printers
  • Restaurants
  • Retail Stores
  • Upholsterers
  • Vacant Property
  • Warehouses
  • Wholesale Distributors

Main Street Classes: High Hazard Classes:

  • Bridge Painting
  • Chemical Mixing & Manufacturing
  • Crane Operations
  • Demolition
  • Exterminators
  • Electricians
  • Framing / Construction
  • Freight Handlers
  • Furniture Movers
  • Garbage Operations
  • Janitorial with Wax Exposures
  • Limousine Services
  • Logging
  • Manufacturing
  • Roofers
  • Sign Installations
  • Steel Erectors
  • Tower Climbers
  • Towing Operations
  • Tree Pruning
  • Trucking
  • Transportation
  • Window Cleaners

A Rated Tank Liability Insurance Policy – Pollution

By | High Hazard | No Comments

Featured Carrier:

Highlights and Features:

  • A Rated By AM Best
  • Broad risk appetite, including marinas and airports
  • Minimum premium starting at $350
  • 12 month policy term
  • Limits up to $5 million
  • Meets federal and/or state requirements for financial responsibility

Appetite:

  • Commercial above ground and underground storage tanks
  • Tanks up to 30 years old
  • Permanently installed tanks
  • Tanks must be in-service and contain a petroleum-based product

Target Classes: (Many More Available)

  • Airports
  • Auto Dealerships
  • Commercial / Industrial Facilities (i.e. Service Stations, Convenience Stores)
  • Municipalities
  • Hospitals
  • Schools, Colleges & Universities

Commission

  • 10%

Available States:

AK, AL, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MO, MS,
NC, NJ, NM, NV, NY, PA, SC, TN, TX, UT, VA, WI, WV

Submission Requirements:

“A” Rated Liquor Liability Program

By | High Hazard | No Comments

Featured Carriers:

Hudson Insurance GroupAce / Chubb
Founders Insurance Comapny

Program Features:

  • First Dollar Coverage – No Deductibles
  • Assault & Battery Buyback Available
  • Separate Aggregate Limit for Each Location
  • Defense Costs are Outside the Limits
  • Occurrence ISO Coverage Form

Sampling of Classes: (Many More Available)

  • Bars and Taverns
  • Beverage / Package / Liquor Stores
  • Billiard or Pool Halls
  • Bowling Alleys
  • Caterers
  • Clubs – Country or Golf
  • Clubs – Fraternal
  • Clubs – Non-Fraternal (Civic, Service or Social)
  • Comedy Clubs
  • Concessionaires
  • Convenience Stores
  • Dance Halls & Ballrooms
  • Distributors
  • Golf Courses – Municipal / Public
  • Grocery Stores
  • Hotels & Motels
  • Nightclubs
  • Restaurants
  • Rental Halls
  • Special Events
  • Theaters
  • Wineries

Coverage Overview:

  • Occurrence Form
  • The Limits of Liability apply on an each common cause and aggregate basis
  • Defense costs are covered in addition to the policy limits
  • No deductible or SIR – first dollar coverage
  • Assault & Battery coverage available as a buy-back on most risks at an additional charge
  • Employees as additional insureds are covered at no additional charge
  • Aggregate Limit applies separately to each designated Insured Premises (unless quoted otherwise)
  • Additional Insured – Employees coverage is included at no additional charge
  • Additional Insured – Lessor coverage and/or coverage for other additional insureds is optionally available for a minimal additional premium
  • Additional Insured – Volunteers coverage is included at no additional charge on fraternal clubs and some special events
  • Coverage is afforded only to the designated Insured Premises scheduled on the policy
  • Federal “Act of Terrorism” coverage is optionally available at an additional charge

Limits of Liability Available:

  • $50,000 Each Common Cause/Aggregate
  • $100,000 Each Common Cause/Aggregate
  • $200,000 Each Common Cause/Aggregate
  • $300,000 Each Common Cause/Aggregate
  • $500,000 Each Common Cause/Aggregate
  • $1,000,000 Each Common Cause/Aggregate
  • $1,000,000 Each Common Cause/$2,000,000 Aggregate

Commission:

  • 12%

Submission Requirements: