My New Markets

July 2, 2007

Security Guards

Nuts & Bolts: Brownyard Group’s program for security guard firms has been expanded to include limits up to $5 million. Coverage includes general liability, excess/umbrella liability, workers’ compensation, property, auto, and first- and third-party dishonesty. Coverage is underwritten by Arch Insurance Co. and distributed solely through independent insurance agents.

Dollars: Up to $5 million.

Carrier: Arch Insurance Co. rated “A” by A.M. Best. Admitted.

States: All, except Wyoming and Nebraska.

Contact: Torrence Brownyard at 800-645-5820 or e-mail tbrown

Homebuilders Market

Nuts & Bolts: Hull & Co. in Stockton, Calif., has a new residential homebuilders market. Coverage is designed for companies with up to $15 million in sales per year and up to 15 homes a year. Custom building will be rated on gross sales basis, while spec home builders will be written on a payroll and cost of sublet work basis. The form contains no action over exclusion. Builders putting up U.S.-manufactured modular, prefabricated or kit homes are acceptable. The company program will consider removing subsidence or earth movement exclusion on flatlands. Defense costs are outside the limits. The minimum premiums for this program are $20,000 for up to five units; $25,000 for six-15 units and U.S.-manufactured modular, prefabricated or kit homes.

Dollars: $1 million per occurrence/$2 million aggregate or up to $5 million per occurrence/$5 million aggregate.

Carrier: Rated “A+” XV by A.M. Best.

States: California.

Contact: Jeff Case at 209-474-9100, ext. 224 or e-mail

Builders & Contractors General Liability

Nuts & Bolts: Golden Insurance Co. is providing primary and excess general liability insurance to homebuilders, remodelers and subcontractors. HOA work and multifamily work is acceptable.

Dollars: $300,000 to $2 million.

Carrier: Golden Insurance Co. rated NR-2 by A.M. Best. Admitted and non-admitted.

States: Ala., Ark., Ariz., Calif., Colo., Fla., Ga., Hawaii, Idaho, Ind., Iowa, Kan., Mass., Mo., Mt., Neb., Nev., N.M., N.Y., N.C., Okla., Ore., Pa., S.C., Texas, Utah, Va., Wash., and Wyo.

Contact: Richard Poling at 303-388-5688 or e-mail

Architect & Engineers

Nuts & Bolts: Swett & Crawford is offering coverage for any architect or engineering firm or individual design/build, construction managers, project managers, civil, structural, environmental, contractors professional, HVAC, mechanical, electrical or any general contractor that is responsible for the design team.

Dollars: $100,000 to $10 million.

Carrier: Rated “A” by A. M. Best. Admitted and non-admitted.

States: All.

Contact: Catherine Butschek at 214-672-2750 or e-mail Catherine_butschek@

Residential Roofers and Plumbers

Nuts & Bolts: Axiom Specialty Insurance Services is offering coverage for residential roofers and plumbers. An ISO occurrence form is used. Tracts are acceptable up to no more than 75 homes. New ventures are accepted. Minimum premium is $1,000 for plumbers and $5,000 for roofers.

Dollars: $1 million/$2 million/$2 million

Carrier: Rated “B” VII by A. M. Best. Admitted.

States: Arizona, California.

Contact: Eirik Fulton at 750-245-6999 or e-mail

Sand & Gravel Haulers

Nuts & Bolts: Robert Moreno Insurance Services provides coverage for sand and gravel haulers in California. New ventures are OK. Call for a phone quote. Can bind same day if complete information is provided. MCP filing also can be issued the same day.

Dollars: $750,000 to $1 million.

Carrier: Rated “A” by A.M. Best. Admitted.

States: California.

Contact: Commercial Underwriting at 714-738-1383, e-mail

Hard to Place Commercial Property Risks

Nuts & Bolts: Klinger Associates Inc. has a program for difficult-to-place commercial property accounts such as woodworkers, furniture manufacturers, cabinet makers and plastic manufacturers. It includes protection class 9 and 10.

Dollars: $5,000 to $1 million.

Carrier: Rated “A” by A.M. Best. Admitted.

States: All.

Contact: Bob Klinger at 317-845-9890 or e-mail

Community Association

Nuts & Bolts: Apogee Insurance Group is offering a community association program for homeowners, townhomes and condominium associations, planned unit developments, mobile home parks, office parks, and cooperatives. Employment practices liability is included at no additional premium for associations with 10 employees or less. Product features include an unlimited extended reporting period for former directors and officers, automatic additional insured coverage for the property manager, defense outside the limits, breach of contract coverage (where available), punitive damages, full prior acts, and third-party sexual harassment and discrimination coverage. Associations must have fewer than 1,000 units. The average value of a unit must be less than $1 million.

Dollars: $250,000 to $5 million.

Carrier: United States Liability Insurance rated “A++” by A.M. Best. Admitted.

States: All.

Contact: Greg Barber at 610-337-3200, ext. 30, or e-mail

Greyhound Dog Tracks

Nuts & Bolts: A program for greyhound dog tracks is available through American Specialty Insurance & Risk Services Inc. Types of coverages available include: general liability (participant legal liability, volunteers as additional insureds, sexual abuse/molestation); excess/umbrella; liquor liability; commercial auto; property; participant accident medical; catastrophic medical. Various deductible/SIR options. There is no volume commitment.

Dollars: Up to $15 million.

Carrier: Rated “A+” by A.M. Best. Admitted and non-admitted.

States: All.

Contact: Drew Smith at 800-245-2744 or e-mail

Outpatient Rehabilitation Therapy

Nuts & Bolts: Professional Liability Solutions Inc. is offering physical and rehabilitation therapy facilities, professional liability/general liability insurance.

Dollars: Up to $10 million.

Carrier: UNG rated “A” by A. M. Best. Admitted and non-admitted.

State: All.

Contact: Robert Hall at 813-769-1290 or e-mail

Parking and Valet Operators Program

Nuts & Bolts: USRisk Brokers has general liability and GKLL on a broadened, ISO based form for businesses engaged in the parking of customers’ cars, including self-parking garages and lots, assisted parking, valet parking, and special-events parking.

Dollars: Varies.

Carrier: Fireman’s Fund Group rated “A” XV by A.M. Best. Non-admitted.

States: All.

Contact: Connie Chalayan at 949-863-0020, ext. 201 or e-mail

Boiler & Machinery

Nuts & Bolts: Travelers has boiler and machinery equipment breakdown coverage to provide protection for small “main street” operations to Fortune 100 companies.

Dollars: Varies.

Carrier: Travelers, rated “A+” by A.M. Best. Admitted.

States: All.

Contact: Jason Angilan at 913-402-4949 or e-mail

Topics USA California AM Best

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