Phone Indications on EPLI
Nuts & Bolts: International Excess Agency Inc. is offering phone indications on employment practices liability. The company suggests that interested parties provide the number of employees, class of business and loss history, and it will provide an indication of the types of risks that can be handled. An employee manual is not required. Defense outside the limits is available. Third-party liability also is available.
Dollars: $100,000 up to $5 million.
Carrier: USLI rated “A+++” by A.M. Best. Admitted and non-admitted.
States: All, except Alaska.
Contact: Kenneth Kukral at 216-797-9700 or e-mail Ken@internationalexcess.com.
Home Inspectors Professional Liability
Nuts & Bolts: Legends Environmental Insurance has a home inspector professional liability policy. The errors and omissions policy protects against third-party claims resulting from specified professional services rendered by the policyholder. Mold coverage is also available to home inspectors through this program.
Dollars: Up to $2 million.
Carrier: Rated “A” by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Brian McFarland at 888-261-9298 or e-mail brianm@legends-enviro.com.
Alarm Contractors
Nuts & Bolts: The Brownyard Group is offering specialty coverage for alarm installation firms, alarm installers, alarm monitoring services, burglar alarm liability, burglar fire alarm safety. The policy is written with a nonadmitted carrier (surplus lines broker only).
Dollars: Up to $1 million.
Carrier: Arch Specialty Insurance Co. rated “A” by A.M. Best. Non-admitted.
States: All, except Wyoming, Wisconsin and Nebraska.
Contact: Torrence Brownyard at 800-645-5820 or e-mail tbrownyard@brownyard.com.
Vacant Commercial Property
Nuts & Bolts: MarketScout Inc. is offering coverage for commercial property with $1 million total insured value. Classes include vacant, retail, restaurants, motel, LRO. Send a completed Acord application for coverage.
Dollars: Up to $1.5 million.
Carrier: Lloyds rated “A” by A.M. Best. Non-admitted.
States: Ariz., Ark., Colo., Ill., Iowa, Kan., Mich., Minn., Neb., Okla. and Texas.
Contact: Tina Harris at 972-934-4297 or e-mail tharris@marketscout.com.
Non-Profits, Social Services
Nuts & Bolts: NIF Group Inc. has a market for nonprofit organizations that provide social services to their communities. NIF offers insurance coverage for property, general liability, professional, medical malpractice, sexual misconduct, crime, auto and umbrella. Types of risks that typically fit the program are: drug and alcohol rehabilitation, facilities for developmentally disabled, homeless shelters, special needs schools, Goodwills, mental health facilities, sheltered workshops, Boys and Girls clubs, senior day cares and multi-service agencies.
Dollars: $1 million to $3 million.
Carrier: Safeco rated “A” by A. M. Best. Admitted.
States: All, except Alaska and Hawaii.
Contact: Nancy Williams at 516-365-7440 or e-mail nwilliams@nifgroup.com.
Self-Storage Insurance
Nuts & Bolts: StorageFirst is a business insurance program designed for the self-storage, mobile storage and document management/ storage operations. The program is open to any licensed independent agent.
Dollars: $50,000 to $500 million.
Carrier: Travelers Insurance rated “A+” by A.M. Best. Admitted.
States: All.
Contact: Tom Laden at 800-853-4663 or e-mail tom.laden@aig.com.
Horse Tracks
Nuts & Bolts: A program for horse 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. American Specialty is broker friendly and requires no volume commitment.
Dollars: Up to $15 million.
Carrier: Rated “A+” by A. M. Best. Admitted and nonadmitted.
States: All
Contact: Drew Smith at 800-245-2744 or e-mail dsmith@amerspec.com.
Commercial & Residential Contractors
Nuts & Bolts: HDR Insurance Services has a market for commercial and residential contractors. Coverage includes general liability, auto, property, and inland marine multi-line policy and contractor’s stand-alone auto “wrap.” Minimum premium for general liability is $1,000 to $2,500.
Dollars: $1 million/$2 million.
Carrier: Praetorian Insurance Co. rated “A-” IX by A. M. Best. Admitted.
States: Calif. and Ariz.
Contact: George Hill at 916-566-1000, ext. 7102 or e-mail ghill@hdrins.com.
Jet Ski Insurance
Nuts & Bolts: Midlands Management Corp. specializes in jet skis and personal watercraft. Midlands has the ability write up to two jet skis or personal watercraft per policy. There are low minimum premiums and no age restrictions, but acceptance is subject to full underwriting and a complete submission. Premiums start at $65. Coverage is subject to underwriting requirements.
Dollars: Up to $500,000.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Brandon Davis at 800-800-4007 or e-mail bsdavis@midman.com.
CIC Property Facility
Nuts & Bolts: MarketScout is offering coverage for tough property, including condos, habitational, builder’s risk, office buildings, restaurants/taverns and vacant buildings. The company said it will accept anything the admitted market declines. Coverage is restricted for use by agents holding the Certified Insurance Counselor designation (CIC) only.
Dollars: $25,000 to $1.5 million.
Carrier: Lloyds of London rated by A.M. Best. Admitted and non-admitted.
States: Alaska, Colo., Idaho, Ill., Ind., Kan., Minn., Mo., Neb., N.D., Ohio, Okla., S.D., and Texas.
Contact: Tina Harris at 800-500-8720, ext. 4297 or e-mail tharris@marketscout.com.
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