The following markets were selected from the MyNewMarkets database of 25,000 coverages and programs. To find additional markets, or to submit markets, go to www.MyNewMarkets.com.
Preferred Restaurants – Liquor Liability
Nuts & Bolts: A program for liquor liability is available for preferred restaurants. Most competitive restaurant rates are available. Assault or battery coverage is included. There is no deductible. Defense costs are outside the policy limits. Employees are automatically covered as an insured on the policy. The policy includes an expanded definition of bodily injury and per location aggregate. Minimum premiums range from $400 to $720.
Dollars: $100,000 to $2 million.
Carrier: US Liability Insurance Group rated “A++” by A.M. Best. Admitted and nonadmitted.
States: All.
Contact: Kenneth Kukral at 216-797-9700 or e-mail Ken@internationalexcess.com.
Worldwide Terrorism Coverage
Nuts & Bolts: Chopra Insurance Brokerage Inc. is offering stand-alone worldwide terrorism coverage, non-marine terrorism risk worldwide coverage. Broader coverage is offered other than TRIA, including domestic terrorism and fire. Additional coverage can be obtained, such as public employer’s liability following a terrorist act. War on land can be insured. Chemical and biological terrorism coverage is available.
Dollars: Up to $100 million.
Carrier: Rated “A” by A.M. Best. Nonadmitted.
States: Ala., Calif., Colo., Conn., Del., Ga., Idaho, Ill., Ind., Iowa, Kan., La., Maine, Md., Mass., Mich., Minn., Mo., Mont., Neb., Nev., N.H., N.M., N.C., N.D., Ohio, Okla., R.I., S.C., S.D., Tenn., Texas, Utah, Vt., Va., Wash., D.C., W.Va., Wis.
Contact: John Upchurch at 818-551-4588 or e-mail Jupchurch@choprainsurance.com.
Contractors Pollution Liability
Nuts & Bolts: Sloan Mason has a provision of contractor’s pollution liability for oilfield diving and sub-sea contractors of all types. The company requires a CPL supplemental application and five-year currently valued carrier issued loss runs (if applicable).
Dollars: $1 million/$2 million. Minimum deductible is $5,000.
Carrier: Rated “A+” XI by A.M. Best. Nonadmitted.
States: All.
Contact: Sloan Mason’s San Diego office at michael@sloanmason.com or seth@sloanmason.com.
Admitted Lawyers Professional Liability
Nuts & Bolts: Partners Specialty Group is offering a lawyers professional liability market with $5 million limits, first dollar defense, duty to defend policy, full prior acts in the policy form, and consent to settle clause.
Dollars: $250,000 to $5 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All, except Alaska, Ariz., Hawaii, La., Maine, N.H., N.J., Ore., R.I., Vt., and W.Va.
Contact: Michael Cardenas at 310-586-4742 or e-mail mcardenas@psgins.com.
CIC Agent’s E&O Program
Nuts & Bolts: Market Scout is offering a broad coverage form from three “A”-rated carriers for agents’ errors and omissions. Carriers have agreed to provide up to a 25 percent discount for agencies in which 40 percent of their professional staff hold a CIC, CISR or CRM designation.
Dollars: $1 million to $10 million.
Carrier: Rated “A” by A.M. Best. Admitted and nonadmitted.
States: All.
Contact: Norm Altering, 972-934-4275 or e-mail nalberigo@marketscout.com.
Herbals & Dietary Supplements
Nuts & Bolts: SHG Insurance Services LLC is offering commercial general liability and products for dietary supplements and herbals. The company will entertain manufacturers, distributors and importers. New ventures and established firms, are accepted.
Dollars: Up to $2 million.
Carrier: Rated “A” XV by A.M. Best. Nonadmitted.
States: All.
Contact: William Ambler at 805-686-1148 or e-mail billambler@shgins.com.
Workers’ Compensation
Nuts & Bolts: The Maplewood Group is offering workers’ compensation for all class B codes, all mods in all states.
Dollars: Statutory, varies.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Stephen Pierce at 740-321-1137 or e-mail spierce@themaplewoodgroup.com.
General Liability for Builders and Subs
Nuts & Bolts: Beecher Carlson is offering primary and excess liability coverage for homebuilders, subcontractors and artisans. Multi-family, roofers, per project, scheduled project and premise only will be considered.
Dollars: $1 million/$2 million.
Carrier: Golden Insurance Co., rated “A” by A.M. Best. Nonadmitted.
States: Ala., Ark., Ariz., Calif., Colo., Fla., Ga., Hawaii., Idaho, Miss., Neb., Nev., N.J., N.M., N.Y., N.C., Okla., Ore., S.C., Tenn., Texas, Utah, Wyo.
Contact: Richard Poling at 303-388-5688 or e-mail rpoling@beechercarlson.com.
Medical Products – Trials – Life Science
Nuts & Bolts: Aggressive Insurance Brokers is offering coverage for manufacturers and distributors of medical devices, including biotechnology, pharmaceuticals and in-vitro diagnostic products (IVD). Coverage is available for a spectrum of FDA-controlled diagnostic and therapeutic products (device, IVD, bio & pharma) for human and animal use. Clinical laboratory equipment not subject to FDA control is also eligible.
Dollars: Up to $20 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Jim White, 330-659-7501 or e-mail jimwhite@1800bindaib.com.
Skate Parks and Sports Facilities
Nuts & Bolts: Francis L. Dean & Associates of California specializes in sports and entertainment risks. Liability and accident insurance is available for skate parks and other sports facilities. Coverage is offered on both an admitted and nonadmitted basis in all states.
Dollars: $100,000 to $1 million.
Carrier: WR Berkley Companies rated “A+” by AM Best. Admitted and nonadmitted.
States: All.
Contact: Alyson Norrbohm at 888-416-9091 or e-mail Anorrbohm@fdean.com.
Privacy General Liability
Nuts & Bolts: Insurebest.com is offering privacy general liability on an occurrence basis, including defense costs, mitigation benefit, and $5,000. The average annual premium is $1,000 or less for the under 25 employee group.
Dollars: $100,000 to $600,000.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Gary Kenoff at 800-425-7873 or e-mail info@insurebest.com.
Process Servers-Record Retrievers
Nuts & Bolts: AMIS founder and excess/surplus line broker/underwriter Bill West has created a professional liability insurance program for private investigators, insurance adjusters, process servers, attorney services and accident reconstruction.
Dollars: $300,000 to $5 million.
Carrier: First Mercury rated “A-” by A.M. Best. Admitted and nonadmitted.
States: All except Wyoming.
Contact: William West at 760-471-7116 or e-mail bwest@amiscorp.com.
Workers’ Compensation
Nuts & Bolts: Ramsgate Insurance represents multiple “A” rated national carriers and specializes in workers’ compensation, but has other lines including commercial lines, professional liability, excess and surplus, and more.
Dollars: $100,000 to $1 million.
Carrier: Rated “A+” by A.M. Best. Admitted.
States: All.
Contact: Keith Steverson at 800-273-7784 or e-mail keith@RamsgateInsurance.com.
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