Home Fuel Oil Delivery
Nuts & Bolts: International Excess of Pittsburgh is offering coverage for propane, petroleum and fuel oil distributors. Coverages includes property, inland, commercial general liability, business auto and umbrella liability.
p:Dollars: Up to $5 million.
p:Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: W. Flagg Pavlik at 800-937-3497, ext. 208 or e-mail fpavlik@intlxs.com.
Mortgage Brokers Professional Liability
Nuts & Bolts: Klinger Associates Inc. has a program for mortgage brokers professional liability, including residential and commercial.
Dollars: Starting at $1 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Bob Klinger at 317-845-9890 or e-mail Klinger@klinger-insurance.com.
Private Schools (K-12)
Nuts & Bolts: Markel Insurance Co. insures private K-12, Montessori, charter, trade/vocational, business, and correspondence schools. Available coverage includes general liability, umbrella, sexual abuse/ molestation, corporal punishment, educators’ liability, sports liability, teachers professional, communicable disease/food contamination, auto, and property.
Dollars: $1 million per occurrence/$3 million aggregate.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All, except Hawaii.
Contact: Denise McLaughlin at 804-527-7506. E-mail dmclaughlin@markelcorp.com.
Specialty RV Coverage
Nuts & Bolts: RV insurance is focused on coverage for motorized and non-motorized units, including Class A, B, and C motor homes, bus conversions, and travel trailers. Rating is Web-based. Available coverages include total loss replacement, purchase price guarantee, diminishing deductible, full-timer’s liability, awning replacement, adjacent structure coverage, physical damage for units valued up to $2 million in select states, and more. A companion auto product is available for RV customers who own private passenger autos. Customers who combine RV and auto can combine billing, discounted pricing,and a single deductible.
Dollars: Up to $1 million CSL.
Carrier: National Interstate rated “A” by A. M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Colo., Conn., Del., Fla., Ga., Idaho, Ill., Ind., Iowa, Kan., La., Maine, Md., Mich., Minn., Mo., Mont., Neb., Nev., N.H., N.J., N.M., N.Y., N.C., N.D., Ohio, Okla., Ore., Pa., S.C., S.D., Tenn., Texas, Utah, Va., Wash., Wis., Wyo.
Contact: Steve Minster at 800-929-1500 or e-mail steve.minster@natl.com.
Nurseries and Tree Farms
Nuts & Bolts: Advanced AFT insures trees, plants and shrubs both in the ground and in containers for property insurance excluding crops (wheat, corn, etc.).
Dollars: $250,000 to $10 million.
Carrier: Rated “A” by A.M. Best. Nonadmitted.
States: Ala., Alaska, Ark., Ariz., Calif., Colo., Ga., Ky., La., Miss., Nev., N.M., N.C., Okla., S.C., Texas, Va.
Contact: John Dowling at 203-267-4661 or e-mail at jdowling@advancedins.com.
Competitive Lessor’s Risk Program
Nuts & Bolts: Tangram’s Property Owner’s Program is a lessors risk program for property owners and/or property managers with mixed-use schedules and/or mixed-use buildings. For example, a multi-story building with retail, restaurant and dry cleaner on the first floor with apartments on upper floors is accepted. Policy form offers property, business income, ordinance and law, EDP, sewer backup, and general liability with wrongful eviction.
Dollars: Varies.
Carrier: Rated “A” XV by A.M. Best. Non-admitted.
States: Ariz., Calif., Nev., Ore., Wash.
Contact: Riley Binford at 707-775-2662 or e-mail rbinford@tangramins.com.
Hacker – Virus – Cyber Invasion
Nuts & Bolts: USX/S is offering coverage for cyber invasions against systems (first party) or if a company is blamed for an attack against another party (third party). Coverages include breach of security, permissive user breach for unauthorized purposes, introduction of destructive or fraudulent code, and threat to introduce fraudulent or destructive code for the purpose of extortion.
Dollars: $500,000 to $1 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Dave Stahl at 440-888-7300 or e-mail DaveS@USXS.net.
Trade & Professional Associations
Nuts & Bolts: Aon Association offers coverage to 56,000 nonprofit organizations and their members nationwide. Clients range in size and needs from an Elks Lodge seeking general liability coverage to a long-term care facility seeking more complex products and services. Each program is tailored to the needs of the client and is managed by a dedicated team.
Dollars: Varies.
Carrier: CNA rated “A” by A.M. Best. Admitted.
States: All.
Contact: Sharon Fine at 800-432-7465 or e-mail Sharon_Fine@aon.com.
Community Associations, Condos, Co-Ops
Nuts & Bolts: Ian H. Graham, with underwriting partner CNA, has a product for the community association industry. Renewal application quotations are sent on each risk. On verification, the one-page document is signed, dated and faxed back. New business is quoted within 24 hours of receipt or sooner.
Dollars: Up to $5 million.
Carrier: CNA rated “A” by A.M. Best. Admitted.
States: All.
Contact: Adam Collins at 818-655-1315 or e-mail adam_collins@ianhgraham.com
Hotel Package
Nuts & Bolts: The Next Wave Hotel Program is a package of products for hotels and motels. The program is suited for well-managed, franchised and non-franchised hotels and motels with favorable loss experience. All coverages are available as a package or individually.
Dollars: $1 million/$2 million, general liability.
Carrier: Rated “A-” by A.M. Best. Admitted and nonadmitted.
States: All except Alaska and Hawaii.
Contact: Edgar Salcedo at 619-232-3900, ext. 101 or e-mail esalcedo@nextwaveins.com.
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