New Markets

May 18, 2009

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.

Livestock Mortality Insurance
Market Detail: Chopra Insurance Brokerage Inc. offers an “all risks of mortality” coverage that includes accidental and external injury, theft and limited governmental slaughter. Eligible animals include swine, cattle, equine, poultry, exotic animals, zoo animals and marine animals. Minimum premiums and deductibles begin at $1,000.
Available limits: Start at $1 million.
Carriers: Unable to disclose. “A” rated by
A.M. Best. Admitted.
States: All except Alaska and Hawaii.
Contact: John Upchurch at 818-923-6090 or e-mail Chopra at info@choprainsurance.com.

Employment Practices Liability
Market Detail: Apogee Insurance Group, a Berkshire Hathaway Company, has access to more than 10 carriers offering employment practices liability insurance. Available coverage terms include: defense cost outside the limits; full-prior acts coverage; and third-party liability coverage. Minimum premiums begin at $500 and deductible options range between $1,000 and $50,000.
Available limits: $100,000 to $15 million.
Carriers: USLI, AIG, Beazley, Chubb, Evanston, First City, Monitor, Navigators Pro, Philadelphia, United National. “A” to “A++” rated by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Robert J. McIntyre at 610-337-3200 ext. 7021 or e-mail rmcintyre@apogeeinsgroup.com.

Gas & Convenience Store Program
Market Detail: Hylant Group Inc. has an insurance program designed for petroleum dealers and convenience store exposures. A package of coverages is available including: property; crime; general liability; automobile; garage keepers’ liability; workers’ compensation; liquor liability; employment practices liability; and underground and above ground pollution liability. Twenty-four hour operations are eligible in many states. Minimum premiums begin at $500.
Available limits: As needed.
Carriers: Unable to disclose. “A” rated by A.M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Colo., Conn., Del., D.C., Ga., Idaho, Ill., Ind., Iowa, Kan., Ky., Maine, Md., Mass., Mich., Minn., Miss., Mo., Mont., Neb., Nev., N.H., N.J., N.M., N.Y., N.C., N.D., Ohio, Okla., Ore., Pa., R.I., S.C., S.D., Tenn., Texas, Utah, Vt., Va., Wash., W.Va., Wis. and Wyo.
Contact: Lynne Erickson at 312-283-1329 or e-mail lynne.erickson@hylant.com.

Bars, Taverns & Clubs
Market Detail: Kevin Davis Insurance Services offers access to coverage for bars, taverns, nightclubs, rap concerts, 24/7 adult entertainment and other special event operations. Program features include: liquor liability; assault and battery sublimits; and the availability of excess coverage. Minimum premiums begin at $7,500.
Available limits: $1 million to $5 million.
Carriers: Unable to disclose. “A-” rated by A.M. Best.
States: Ariz., Calif., D.C., Fla., Ga., Hawaii, Mass., Nev., N.Y., N.C., Ohio, Ore., Pa., S.C., Texas, Va., and Wash.
Contact: Ezana Asfaw at 213-833-6127 or e-mail easfaw@kdins.com.

Pizza Operators with Delivery
Market Detail: AFC Insurance introduces a program for pizza restaurant operators and delis including non-owned auto coverage for delivery. Coverages available include businessowners’, non-owned auto and workers’ compensation.
Available limits: As needed.
Carriers: Fireman’s Fund. “A” rated by A.M. Best. Admitted.
States: All except Alaska and Hawaii.
Contact: Art Lyons at 610-814-2184 or e-mail art.lyons@afcins.com.

Food Borne Illness
Market Detail: Professional Liability Insurance Services Inc. offers coverage for restaurants suspected of causing or spreading a food-borne illness: trade name restoration/food borne illness loss of business income for restaurants. The costs of immediate crisis management expenses, communications, marketing and media support are covered. Accidental and malicious contamination both are covered by this policy. No restaurant is too small. The insured can purchase a six- or 18-month period of restoration. No minimum premium.
Available limits: As needed.
Carriers: Certain underwriters at Lloyds. “A” rated by A.M. Best. Non-admitted.
States: All.
Contact: PLIS Product Team at 800-761-7547 or e-mail underwriting@plisinc.com.

Restaurants, Taverns, Caterers
Market Detail: Specialty Insurance Agency offers a restaurant/tavern program covering all segments of the market; including taverns with 100 percent liquor and even new ventures.
Available limits: As needed.
Carriers: QBE Insurance Co. “A” rated by A.M. Best. Admitted.
States: Calif., Conn., Del., Fla., Ga., Ill., Md., Mass., Mich., Minn., N.J., N.Y., Ohio, Pa., R.I. and Tenn.
Contact: Mel Watters at 732-701-8900 or e-mail wwatters@specialtyagency.com.

Bars, Taverns, Clubs and Concerts
Market Detail: Kevin Davis Insurance Services offers a general liability program designed for adult establishments. Target classes and activities include bars and taverns, clubs, concerts, nightclubs, promoters, rap concerts and other special events. Adult entertainment operations open 24/7 are also eligible. Full liquor liability coverage is available, as is assault and battery protection (subject to a sublimit). Excess policies are also available.
Available limits: $1 million to $5 million.
Carriers: Unable to disclose. “A-” rated by A.M. Best. Non-admitted.
States: Ariz., Calif., D.C., Fla., Ga., Hawaii, Mass., Nev., N.J., N.Y., N.C., Ohio, Ore., Pa., S.C., Texas, Va. and Wash.
Contact: Ezana Asfaw at 877-807-8708 ext. 6127 or e-mail easfaw@kdins.com.

Training Schools Package
Market Detail: Agostini Wholesale Insurance offers a program focused on specialty training schools including: art, athletic, bartending, beauty, business, computer, cooking craft, dance, insurance, language, modeling, music, photography, public speaking, real estate, tailor, theater, tutoring instruction and more. General liability protection is available as part of a package or on a monoline basis. Professional liability and abuse/molestation coverage are also offered.
Available limits: As needed.
Carriers: Various carriers. “A++” rated by A.M. Best. Admitted and non-admitted.
States: Ariz., Calif., Colo., Md., Neb., Nev., N.M., Ore., Pa., Tenn., Texas, Utah, Va. and Wash.
Contact: Elizabeth Gaida at 619-593-2059 or e-mail elizabeth@agostinisurplus.com.

Liquor Liability
Market Detail: Tapco Underwriters offers agents in selected states access to a stand-alone liquor liability program. Coverage is designed for restaurants, bars and night clubs of all types.
Available limits: As needed.
Carriers: Multiple carriers. Rating not provided. Non-admitted.
States: Calif., Del., D.C., Fla., Ga., Md., N.J., N.C., Pa., S.C., Tenn., Texas and Va.
Contact: Chris Reisdorf at 336-584-8892 or e-mail creisdorf@gotapco.com.

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