Liquor Liability Coverage
Nuts & Bolts: Advanced E&S Insurance Underwriters recently announced the offering of their liquor liability program underwritten by “A”-rated carriers. All classes are accepted and special events are also written.
Dollars: $100,000 to $2 million.
Carrier: Rated “A+” by A.M. Best. Non-admitted.
Contact: Karen Keller at 312-957-4043 or e-mail firstname.lastname@example.org.
Wage & Hour Coverage with EPLI
Nuts & Bolts: ELM Insurance Brokers now has available wage and hour defense cost coverage with employment practices liability insurance (EPLI) on an admitted basis in California and many other states. Third party coverage is available too. Some risks may also qualify for a two-year policy. Other coverage enhancements include: liberal defense provisions; additional defense costs limit available; consideration given to insured’s choice of counsel (no panel counsel); 70/30 settlement clause; pay on behalf option available. Expanded coverage features coverage for punitive and multiplied damages retaliation “carve-back” to major exclusions; broad definition of claim and loss; comprehensive list of covered wrongful acts worldwide coverage.
Dollars: $500,000 to $10 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia, Washington, D.C., West Virginia, Wisconsin, Wyoming.
Contact: Fred Fisher at 310-322-1301 or e-mail email@example.com.
Moving & Storage
Nuts & Bolts: RLI Insurance is offering a program for small fleet trucking accounts for fleets with one to 19 units. No new ventures; requires two or more years of operations. Lines of business offered are: auto liability, non-trucking liability (owner operator program), general liability (CGL), physical damage, trailer interchange, following form excess liability. Deductibles are available starting at $2,500.
Dollars: $300,000 to $10 million.
Carrier: RLI rated “A+” by A.M. Best. Admitted.
States: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Washington, D.C., Wisconsin, Wyoming.
Contact: Dan Meyer at 404-443-1016 or e-mail firstname.lastname@example.org.
Nuts & Bolts: Euclid Managers is offering third party Internet liability for small and medium-sized cyber risks such as Web sites, corporate bloggers, ISPs, Web site developers and more. Policy coverages feature errors and omissions, personal injury and privacy, intellectual property (no patent) and security. Optional privacy/security enhancements are also available.
Dollars: Starting at $10 million.
Carrier: Rated “A” XV by A.M. Best. Non-admitted.
Contact: Marcia Sutton at 816-778-0713 or e-mail email@example.com.
Combo Pollution Coverages
Nuts & Bolts: Travis Pederesen and Associates is offering general liability, CPL, professional liability with combination options available for pollution coverages.
Dollars: Starting at $1 million.
Carrier: Rated “A” or better by A.M. Best. Non-admitted.
Contact: Steve Fouchea at 616-977-7800 or e-mail firstname.lastname@example.org.
OCP & Railroad Protective
Nuts & Bolts: ocp.com is offering immediate online quotes for OCP and RRP with an admitted market in all states except New York and Washington by going to www.123ocp.com and registering.
Dollars: $1 million/$2 million.
Carrier: Mid Continent Casualty rated “A” IX by A.M. Best. Admitted.
States: All, except Washington and New York.
Contact: Susan Jones at 866-883-7692 or e-mail email@example.com.
Recall Crisis Recovery (RCR)
Nuts & Bolts: Professional Liability Insurance Services Inc. — Underwriting Facilities is offering “RCR,” the food and beverage recall contamination insurance policy for small to mid-sized manufacturers. This is not the typical recall policy — new forms and new policy wording available. Triggers for accidental contamination, malicious contamination and products extortion. Reimbursement coverage for: gross or net profits, extra expense, rehabilitation, loss of revenues due to loss of contracts. In addition, crisis management is included in the policy through nationally ranked certified crisis managers — Specialty Risk Management Inc. They can help with media/public relations, assist with governmental agencies during the recall and assistance with government compliance regarding onerous pre- and post-recall reporting.
Carrier: Certain underwriters at Lloyd’s rated “A+” by A.M. Best. Non-admitted.
Contact: Underwriting team at 800-761-7547 or e-mail firstname.lastname@example.org.
Nuts & Bolts: Great American Insurance Co. is now offering property/casualty programs for clubs/membership organizations to include: associations, business and trade organizations, charitable institutions, civic organizations, clubs, conservation organizations, fraternal organizations, health and welfare councils, membership, professional, United Fund councils, veterans and military groups, women’s groups and services.
Carrier: Rated “A” by A.M. Best. Admitted.
States: Alabama, Arkansas, Arizona, Alaska, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, D.C., West Virginia, Wisconsin, Wyoming.
Contact: Rick Hasselbeck at 513-287-8112 or e-mail email@example.com.
Pollution Coverage for Commercial EIFS
Nuts & Bolts: UCPM Environmental is offering contractor’s pollution liability coverage (including mold as a covered pollutant) that does not exclude exterior insulation and finish system work. Three “A”-rated carriers are now offering this solution. Mold growth due to water damage remains one of the biggest areas of concern for any commercial contractor installing these types of systems.
Dollars: Starting at $1 million.
Carrier: Rated “A” by A.M. Best. Non-admitted.
Contact: Bart Jarman at 480-682-1562 or e-mail firstname.lastname@example.org.
Nuts & Bolts: Gales Creek Insurance Services is offering wedding liability insurance. Rates start at $230 for weddings/receptions with less than 200 attendees. Over 100 other types of events can be quoted and bound online, and brokers retain 10 percent commission.
Dollars: $1 million to $10 million.
Carrier: Rated “A” by A.M. Best. Admitted and non-admitted.
Contact: Brigitt Whitescarver at 503-227-0491, ext. 234 or e-mail: Brigitt@galescreek.com.
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