Employer Stop Loss
Market Detail: Markel Insurance Co. provides customized stop loss solutions for sponsors of self-funded medical/dental plans. Available products offer both specific and aggregate limit programs to protect employers from the cost of unexpected or catastrophic claims.
Available limits: Varies.
Carriers: Markel Insurance Co. “A” rated by A.M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Conn., Del., D.C., Idaho, Ill., Iowa, Kan., Maine, Md., Mass., Mich., Miss., Mo., N.H., N.J., N.M., N.Y., N.C., Ohio, Okla., Pa., R.I., S.C., Tenn., Texas, Vt., Va., W.Va. and Wis.
Contact: Paul Broughton at 804-527-7618 or e-mail email@example.com.
Protective Liability Policies
Market Detail: 123ocp.com brings a program offering high limits on owners and contractors protective liability (OCP) and railroad protective liability (RRP) policies. Agents can access immediate online OCP and RRP quotes. Once users have registered and been given a user ID and password, quoting and binding can be done online. Minimum premiums start at $500 Program open to both retailers and wholesalers.
Available limits: $1 million to $5 million.
Carriers: Mid Continent Casualty. “A” rated by A.M. Best. Admitted.
States: All except New York and Washington.
Contact: Susan Jones at 866-883-7692 or e-mail firstname.lastname@example.org.
Hard-to-Place Risks of All Types
Market Detail: Appalachian Underwriters Inc. formed a brokerage division to place unique, unusual or large accounts. Target classes include: property risks with coastal and earthquake exposures; casualty risks such as swimming pool contractors, street & road contractors, crane erectors, truck body manufactures, iron & steel manufactures, ammunition manufactures; environmental risks such as hazmat contractors, mold remediation contractors up to landfills and oil and gas contractors; and risks with professional liability exposures.
Available limits: Varies as needed.
Carriers: Multiple. “A” rated by A.M. Best. Admitted and non-admitted.
Contact: Mark Arnold at 865-425-8401 or e-mail email@example.com.
Public Risk Program
Market Detail: Arrowhead General Insurance Agency Inc. offers a public risk program targeting municipalities with populations under 50,000. Preferred accounts will have a five-year loss ratio of 40 percent or lower. Special service districts are also accepted including water, sewer and fire districts. Prefer pass-through facilities for energy districts.
Available limits: As needed.
Carriers: Unable to disclose. “A” rated by A.M. Best. Admitted.
States: Ariz., Conn., Del., Ill., Ind., Kan., Maine, Md., Neb., N.Y., N.C., Ohio, Pa., Tenn., Va. and W.Va.
Contact: Marketing Operations Team at 800-669-1889 ext. 8733 or e-mail MarketingInfo@arrowheadgrp.com.
Roll Off Operators
Market Detail: Trinity Transportation Services LLC connects agents to a full line of auto coverages for this specialty niche – roll off operators. Auto liability, physical damage and property damage coverages are available. Minimum premiums begin at $150,000.
Available limits: $100,000 to $1 million.
Carriers: QBE the Americas. “A” rated by A.M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Colo., Conn., Del., Fla., Ga., Idaho, Ill., Ind., Iowa, Kan., Maine, Md., Minn., Miss., Mo., Mont., Nev., N.H., N.M., N.C., N.D., Ohio, Okla., Ore., Pa., R.I., S.C., S.D., Tenn., Texas, Utah, Vt., Va., Wis. and Wyo.
Contact: Patricia Busche at 904-272-7797 or e-mail firstname.lastname@example.org.
Umbrella Coverage for Cities, Towns and Villages
Market Detail: The McGowan Companies presents the “Our American Cities” umbrella coverage program. Eligible classes include: cities, towns & villages with populations under 100,000; special purpose districts (water, sewer, park, tax & fire districts); and counties with populations under 250,000. Following form protection is offered over most liability coverages.
Available limits: $1 million to $20 million.
Carriers: Unable to disclose. Rating not provided. Admitted.
Contact: Suzanne Young at 800-545-1538 or e-mail email@example.com.
Land Surveyors Program
Market Detail: Agency Marketing Services offers a professional liability program for land surveyors and land surveying firms. Protection is available for independent surveyors, employed surveyors and surveying firms. Several carriers are part of this program. Carriers do not require a full application; the applicant only need answer nine questions. Minimum premiums start at $1,200 and deductibles begin at $1,000.
Available limits: $250,000 to $5 million.
Carriers: Unable to disclose. “A” rated by A.M. Best. Non-admitted.
States: Ala., Colo., Conn., Fla., Ga., Mich., Miss., Nev., N.J., N.C., Ohio, S.C., S.D., Texas, Vt., Va. and Wis.
Contact: Keith Alexander at 800-542-2805 or e-mail firstname.lastname@example.org.
Market Detail: Allstar Financial Group links agents to a market with an appetite for social services operations. Eligibility ranges from schools for physically challenged youth to detoxification centers and assisted living facilities. Liability protection can be written on either and occurrence or claims made form. Minimum premiums start at $2,500.
Available limits: Starting at $100,000.
Carriers: Unable to disclose. “A” rated by A.M. Best. Admitted and non-admitted.
States: Ala., Alaska, Ariz., Calif., Colo., Conn., Del., D.C., Ga., Idaho, Ill., Ind., Iowa, Ky., Maine, Md., Mass., Mich., Minn., Miss., Mo., Mont., Neb., Nev., N.H., N.J., N.M., N.Y., N.C., N.D., Ohio, Ore., Pa., R.I., S.C., S.D., Tenn., Utah, Vt., Va., Wash., W. Va., Wis. and Wyo.
Contact: Dale Borer at 678-832-2152 or e-mail email@example.com.
Hard-to-Place Builders Risk
Market Detail: Chopra Insurance Brokerage Inc. can tailor a builders risk program to meet any insured’s need. Coverage can be written up to 100 percent of values. Protection can be provided on a primary, layered or quota share basis. Any protection class is eligible as are properties located in Tier 1 windstorm areas. All construction types welcome. Flood zone does not matter and earthquake coverage is available for California risks. A policy can be written for up to 36 months. Deductibles begin at $1,000.
Available limits: Up to $50 million.
Carriers: Unable to disclose. “A ++” rated by A.M. Best. Non-admitted.
States: Ala., Alaska, Calif., Colo., Conn., Del., Ga., Idaho, Ill., Ind., Iowa, Kan., La., Maine, Md., Mass., Mich., Minn., Miss., Mo., Mont., Neb., Nev., N.H., N.M., N.C., N.D., Ohio, Okla., Ore., R.I., S.C., S.D., Tenn., Texas, Utah, Vt., Va., Wash., W. Va. and Wis.
Contact: John Upchurch at 818-551-4588 or e-mail Jupchurch@choprainsurance.com.
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