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Cyber & Privacy Protection
Market Detail: ELM Insurance Brokers offers cyber security coverage featuring: same day quote bind and issuance capabilities for more than 90 percent of cyber security submissions; minimal application information required in order to obtain a quote; and competitive terms and conditions with premiums starting at $300. Coverage features include: $1 million limits with $250,000 breach notification costs (and higher limits are available). All professional service providers both large and small are eligible, including : social services organizations; home healthcare; behavioral healthcare and addiction treatment providers; hotels and motels; temporary/permanent staffing firms; construction contractors; landscapers; accountants; architects; engineers; charities; consultants; insurance brokers; lawyers/attorneys; real estate agents; school/colleges; surveyors; therapists; physicians; nurses; early childcare centers; and all miscellaneous professions.
Available limits: Minimum $1 million, maximum $10 million.
Carrier: Multiple, admitted and non-admitted available.
States: All states.
Contact: ELM Insurance at 310-322-1301 or e-mail: mainofc@e-o.com.

Motor Truck Cargo
Market Detail: American Team Managers Insurance Services Inc.‘s motor truck cargo market targets truckers with one to 25 power units, more than three years CDL experience, and hauls general commodities with values less than $100,000 per load. New ventures are welcome for dry goods/flatbed. Reefer available for experienced risks. Gross receipts available.
Available limits: Minimum $25,000, maximum $100,000.
Carrier: Aspen.
States: All states.
Contact: Tammy Shea at 714-414-1251 or e-mail: tshea@atminsurance.com.

Employment Practices Liability
Market Detail: IPA Risk Management LLC offers instant quotes for all classes of EPLI and a newsletter to lessen an agency’s E&O exposure.
Available limits: Minimum $500,000, maximum $1 million.
Carrier: AIG, Philadelphia.
States: All states.
Contact: Greg Heitmann at 201-797-1215 or e-mail: g.heitmann@ipariskmanagement.com.

10 + One Vacant Builders Risk
Market Detail: Anthony R. Davis Agency (ADA) works with a market for homebuilders who cannot extend their builders risk. Coverage can be written for property and liability for these homes in a reporting form package format. Builder has to have at least 10 active builds in any one policy year.
Available limits: As needed.
Carrier: Unable to disclose, admitted.
States: All states.
Contact: Patti Abbott-Bozzo at 908-233-8040 or e-mail: pat@ardavisagency.com.

Combined GL + CPL + Professional Liability
Market Detail: American Risk Management Resources Network LLC (ARMR Network) specializes in environmental insurance and risk management. Wholesale access is available to all of the major environmental underwriters, with custom crafted insurance for contractors, property owners and consultants.
Available limits: As needed.
Carrier: Berkley Specialty Underwriting Managers.
States: All states.
Contact: Ron Anderson at 608-836-0551 or e-mail: Anderson@armr.net.

General & Artisan Contractors
Market Detail: Victor O. Schinnerer & Co. offers coverage for all types of construction contractors including: errors & omissions insurance for artisan contractors; professional liability insurance for general contractors; pollution liability insurance for both general and artisan contractors; and a combined policy that includes professional or E&O and pollution liability insurance.
Available limits: Maximum $10 million.
Carrier: Columbia Casualty, CNA.
States: All states.
Contact: Annette Stefani at 301-961-9884 or e-mail: annette.m.stefani@schinnerer.com.

StarrBOP
Market Detail: Security Underwriting Managers Inc.’s (SUM) BOP program offers: property up to $5 million; casualty up to $2 million/$4 million; wind coverage; special form; theft; blanket additional insured; enhanced coverage endorsement; and a minimum premium of $500.
Available limits: Maximum $15 million.
Carrier: Unable to disclose, admitted.
States: Fla. only.
Contact: Javier Naranjo at 305-263-6650 or e-mail: jnaranjo@securityunderwriting.com.