Westchester Motor Truck Cargo

By | Truckers & Transportation | No Comments

Featured Carrier:

Westchester A Chubb Company - Inland Marine Truck Cargo

Appetite:

  • legal liability basis for risks of direct loss or physical damage to cargo carried by common
    or contract carriers.
  • shippers, terminals and trailer interchange
  • Values of less than $100,000 (higher limits are submit)

Commission:

  • 10% – 12%

States:

  • Coverage available in all states except CA, AK, and HI

Submission Requirements:

  • ACORD forms 125 and Cargo Supplemental

Features & Highlights:

  • Unlimited Miles
  • Reefer / Refrigerated Trucking OK
  • Admitted paper – Westchester Fire Insurance Company (NAIC #10030)
  • No radius restrictions within policy coverage territory
  • Quick underwriter response on system referrals
  • Coverage available in all states except CA, AK, and HI
  • Strong financials to protect your client’s liability exposures with ratings of A+ (Superior)
    A.M. Best

Sampling of Classes: (Many More Available)

  • Truckers
  • Common Carriers
  • Contractors
  • Freight Brokers
  • Low theft commodities
  • Building materials
  • Steel & Lumber
  • Dry Grocery Items
  • Paper Products & Plastics
  • Baled Cotton
  • Containerized Freight
  • General Merchandise
  • Frozen Foods (ex. Shellfish)
  • Produce
  • Meat & Poultry (ex. New Ventures)
  • Contractors Equipment, Oilfield Equipment & Heavy/Light Machinery
  • Agricultural Products
  • Walmart/Target Goods

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

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

Century Surety Motor Truck Cargo

By | Truckers & Transportation | No Comments

Featured Carrier:

Appetite:

  • Legal Liability of goods hauled for others
  • Non-flammable goods
  • Values of less than $100,000 (higher limits are submit)

Commission:

  • 12.5%

States:

  • All 50 States

Submission Requirements:

  • ACORD forms 125 and 143

Features & Highlights:

  • Same day Quotes with a Complete Submission
  • Rated A (Excellent) by AM Best
  • All Risks form available
  • Theft Exclusion reduces premium – can be added on
  • Named Perils Form available
  • Hazard 7 property eligible with underwriter approval

Sampling of Classes: (Many More Available)

  • Truckers
  • Common Carriers
  • Contractors
  • Freight Brokers
  • Equipment Distributors
  • Equipment Repair Operations

United Specialty Insurance General Liability

By | Truckers & Transportation | No Comments

Featured Carrier:

Appetite:

  • General Contractors
  • Roofers
  • Artisan Contractors
  • Recreational Activities
  • Retail Business
  • Habitational (less than 10 units)
  • Trucking / Transportation Related Enterprises
  • Over 300 Classes

Features and Highlights:

  • Rated A (Excellent) by AM Best
  • Fast Quotes
  • Up To $5,000,000 Limit of Commercial General Liability Available
  • Flexible on Adding or Removing Desired Endorsements
  • No Sub-limit on Covered Roof Losses

States:

  • Most States Including CA, AZ, FL, TX, NY, NJ

Commission:

  • 12%

Submission Requirements:

Sample Classes of Business: (Many More Available)

  • Alarm Installers
  • Amusement Centers
  • Apartments
  • Bakeries
  • Barber Shops/Beauty Parlors/Nail Salons
  • Bazaar/Flea Markets
  • Bed & Breakfast
  • Billiard or Pool Halls
  • Campgrounds
  • Car Washes
  • Caterers
  • Churches
  • Condominiums
  • Contractors Artisan & General
  • Convenience Store/ Mini Mart
  • Day Care Centers
  • Debris Removal – Construction Site
  • Delicatessens
  • Dwellings
  • Employment Agencies
  • Excavating/Grading of Land
  • Garbage, Ash or Refuse Collection
  • Grocery Stores
  • Halls
  • Health Clubs
  • Heating/AC Contractors
  • Hotels and Motels
  • Hunt Clubs
  • Janitorial Services
  • Landowners Vacant Land
  • Landscaping
  • Laundromats
  • Machine Shops
  • Office Buildings
  • Pawn Shops
  • Pest Control Contractors
  • Recycling Centers
  • Restaurants
  • Roofers
  • Security Guards
  • Sign Contractors
  • Storage Warehouses
  • Truckers
  • Vacant Buildings
  • Video/Book Stores
  • Warehouses
  • Wrecking Contractors

United Specialty Insurance Motor Truck Cargo

By | Truckers & Transportation | No Comments

Featured Carrier:

Appetite:

  • Legal Liability of goods hauled for others
  • Non-flammable goods
  • Values of less than $100,000 (higher limits are submit)

Commission:

  • 12.5%

States:

  • All 50 States

Submission Requirements:

  • ACORD forms 125 and 143

Features & Highlights:

  • Same day Quotes with a Complete Submission
  • Rated A (Excellent) by AM Best
  • All Risks form available
  • Theft Exclusion reduces premium – can be added on
  • Named Perils Form available
  • Hazard 7 property eligible with underwriter approval

Sampling of Classes: (Many More Available)

  • Truckers
  • Common Carriers
  • Contractors
  • Freight Brokers
  • Equipment Distributors
  • Equipment Repair Operations

Alternative Workers Compensation Program

By | Truckers & Transportation | No Comments

Alternative Workers Comp Target Market

  • Accounts that wish to get out of a State Work Comp fund, a state “assign risk pool” or “insurer of last resort”
  • Accounts are being Non-Renewed or cancelled by the “standard market” due to losses or exposure
  • Any account that is headed to a State Insurance fund, “assign risk pool” or “insurer of last resort”
  • Accounts that have X-Mods between 1.30 and 3.0
  • Accounts with a credit mod but being Non-Renewed by current carrier due to heavy losses the prior year
  • Lapse in coverages or accounts with No Prior coverage
  • Tough or High Hazard class codes, multi-state exposure or adverse underwriting criteria
  • Any combination of the above that makes the account difficult for the standard market to handle
  • Tough and High Hazard Class Codes with some or all of the above criteria
  • We will look at most any Class Codes from Clerical, to Manufacturers, Contractors, Health and Service to name few

Features of Empire’s Alternative Workers Comp Programs

  • Guaranteed Cost Plans
  • Retroactive Programs – “Retro Plans”
  • Loss Sensitive Plans
  • Large Deductible Programs
  • Deductible Reimbursement Plans
  • Captives
  • Rate/Premium Deviations
  • “Consent to Rate” or rate deviation plans
  • Dividend or “Return of Premium” Plans
  • Loss Control Assistance
  • Expert and Fair Claims Management
  • HR Services/Support
  • Pay As you Go Options
  • Optional Zero Premium Deposits
  • Optional Payroll service including full tax remittance and compliance, 941′s, W-2′s

Commissions

Great Commissions – ranges from 6 to 10% of Workers Compensation premiums (commissions vary by risk, governing code and size of account)

We Handle Risks for All States Except Monopolistic

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI

Top Carriers

We have over 12 Carriers to work with including some of the highest rated AM Best Carriers in the country, including   Ace Insurance / Chubb, AIG, Argonaut Group, Amtrust, Benchmark, Frank Winston Crum Insurance, Guarantee Insurance Company / GIC, Lion Insurance Company, State National Companies, Sunz, Texas Mutual, Zurich

Submission Requirements

  • Acord 130
  • 3 Years loss history
  • Loss History Affidavit for accounts with Lapse in coverage or No Prior
  • Explanation of claims over $20,000
  • Experience Mod-Sheet
  • The Supplemental for the Class of Work pertaining to the risk being submitted(Click here for Supplementals)

Forms and Applications:

Target Classes

(Many More Available)

  • Manufacturing
  • Artisan Contractors
  • Heavy Construction
  • Property Management
  • Staffing
  • USL&H
  • Roofing
  • Landscaping
  • Demolition
  • Excavation, Grading and Equipment
  • Masonry and Concrete
  • Painting
  • Swimming Pool Contractors
  • Pool Plastering
  • Gunite Contractors
  • Framing and Carpentry
  • Janitorial
  • Residential Cleaning
  • Residential Care
  • Transportation
  • Freight Handlers
  • Warehouses
  • In Home Care and Assisted Living
  • Farming

Contractors Pollution Liability

By | High Hazard, Truckers & Transportation | No Comments

Featured Carrier:

Features and Highlights:

  • Contractors Pollution Liability (Occurrence or claims-made and reported coverage available)
    • Coverage is provided for emergency response expense, including expenses incurred by the Insured’s employees
    • Coverage is provided for pollution at a non-owned property used to store equipment during a project
    • Coverage is provided for temporary storage of asbestos waste at the Insured’s property
    • Coverage is provided for contingent transportation of the Insured’s waste hauled by a third-party carrier
    • Coverage is provided for fines, penalties, punitive, exemplary or multiplied damages where allowed by law
    • Coverage provided for work performed by or on behalf of the named insured, including the insured’s liability for work performed by subcontractors
  • Professional Liability (Claims-made and reported coverage)
    • Coverage is provided for professional services performed by or on behalf of the named insured, including the insured’s liability for professional services performed by subcontractors
    • Coverage is provided for recommendations made for site selection, transportation, disposal, or treatment of pollutants

Commission:

  • 10%

Program Minimums:

  • Premium: $1,500
  • Deductible: $500

Appetite:

  • Non-Environmental Contractors (General Trade or specialty contractors)
  • Operators of non-owned environmental facilities

Submission Requirements:

Sampling of Classes: (Many More Available)

  • Appliance Installation
  • Maintenance or Janitorial
  • Asbestos or Lead Abatement
  • Masonry
  • Barrier or Liner Construction
  • Mobile Incineration
  • Carpentry or Framing
  • Mold Abatement
  • Concrete Construction
  • Painting (No Abatement)
  • Construction Management
  • Paving Street and Road
  • Demolition
  • Pesticides, Herbicides& Fert.
  • Dredging
  • Pile Drivers
  • Drilling (Environmental)
  • Pipeline Construction or Repair
  • Drilling (Non-environmental)
  • Plastering or Stucco
  • Drywall
  • Plumbing
  • Electrical
  • Recycling
  • Emergency Haz Mat Clean-up
  • Refinery/Chemical Plant Op’s
  • Excavation or Grading
  • Restoration/Fire-Water Damage
  • Flooring
  • Roofing
  • General Contracting
  • Sandblasting
  • Glazier / Glass and Window
  • Sewer and Water Main
  • Groundwater Sampling
  • Soil Remediation
  • Groundwater Treatment/Recovery
  • Soil Sampling
  • Hazardous Material Clean-up
  • Steel Erection
  • Hazardous Waste Treatment
  • Tank Installation
  • Home Builders
  • Tank Removal
  • HVAC and Refrigeration
  • Waste Storage
  • Insulation
  • Waste Water Facility Operators
  • Landscapers
  • Water Utility Contractors
  • Loggers
  • Waterproofing

What is Contractors Pollution Liability?

Contractor’s pollution liability coverage for a wide range of classes. Current general liability policies rarely include pollution liability. Now more than ever, contractors need to make sure they are properly covered in the event of a loss. Coverage options include bodily injury, property damage and clean-up costs caused by pollution conditions resulting from covered contracting operations. Mold coverage is also available. The Contractors Pollution Liability/Professional Policy is a combined Pollution and Professional coverage form. It provides coverage to general contractors, construction managers, and various trade contractors who could potentially have both pollution and professional claims; CPL/Professional provides coverage for E&O exposures for contractors.

Minimum premium can vary due to several factors and range from $2,500 without mold, $5,000 with mold and $10,000 for general contractors and home builders seeking mold coverage.

Why is CPL / Professional coverage important?

  1. Because contractors face professional liability issues from construction management services, job site modifications, and other daily activities.
  2. Because E&O exposures for contractors are generally excluded from General Liability and monoline Contractors Pollution Liability policies.

Optional coverage enhancements:

  • Occurrence CPL coverage
  • Natural Resources Damage
  • Coverage for work performed by subcontractors
  • Mold coverage
  • Blanket Additional Insured
  • Waiver of Subrogation
  • Transportation Pollution Liability

Trends in the Marketplace for Contractors Pollution Liability

Since the 1980s, commercial liability policies written for contractors have either excluded or have provided very limited coverage for pollution exposures. Many contractors are required to carry pollution insurance by contract, while other prudent contractors have chosen to protect their bottom line by purchasing blanket environmental insurance coverage. Relying on general liability coverage extensions or ignoring environmental exposure altogether can ultimately lead to paying for costly environmental claims with company profits or worse, by liquidating company assets. Contractors face environmental risk on a daily basis from both foreseen and unforeseen exposures:

  • Fuel spills for equipment stored on jobsites
  • Exasperation of unknown existing environmental conditions at a jobsite
  • Equipment exhaust causes indoor air quality issues
  • Construction material off-gassing causes sick building syndrome
  • Completed operations exposure from mold and bacteria growth
  • Subcontractors cause pollution incident

Environmental claims are derived from all aspects of the contracting industry. General contractors, mechanical contractors, street and road contractors, utility contractors, even landscaping contractors have seen their share of environmental claims activity. Environmental claims are often very expensive to settle and even more costly to defend. Third party bodily injury, property damage, and cleanup costs typically run into the hundreds of thousands of dollars and beyond. Our carriers provide a menu of CPL insurance programs that takes and provides effective, dedicated environmental insurance coverage to your contractors with the following features:

  • Occurrence or Claims-Made coverage
  • Coverage for third party bodily injury, property damage, and cleanup costs
  • Legal defense expenses
  • Coverage for subcontractors exposure
  • Mold coverage available
  • Low deductible and minimum policy limits of $1,000,000
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