Nursing Homes/Assisted Living Facilities
Market Detail: U.S. Risk Brokers Inc.‘s Houston office offers an exclusive in-house underwriting program designed for nursing homes, assisted living facilities, independent living facilities and CCRC’s. U.S. Risk also gives agents access to an exclusive miscellaneous medical malpractice program. Eligible classes include: home health care agencies, staffing agencies, medical clinics, sleep centers, diagnostic imaging labs, adult day cares, group homes for the mentally challenged, CRNA’s counselors and many more.
Available limits: Not provided.
Carriers: Underwriters at Lloyds. No rating provided. Non-admitted.
Contact: Sheila Boatman at 281-249-4933 or e-mail email@example.com.
Technology Errors & Omissions
Market Detail: Chamber Insurance Agency Services gives agents access to an errors and omissions market targeted to technology companies to protect them against third-party professional liability losses. Features of the program include: coverage is available on a monoline or package basis; the availability of first- and third-party date protection; and business income. The appetite is broad, and minimum premiums begin at $1,000. Deductibles begin at $2,500.
Available limits: $1 million to $20 million.
Carriers: Various. Rating not provided. Admitted.
Contact: Mark L. Favata at 973-669-2309 or e-mail firstname.lastname@example.org.
Market Detail: NAS Insurance Services Inc. gives agents the ability to provide stand-alone medical malpractice coverage. Coverage can also be provided packaged with general liability, and excess liability up to $5 million is also available. Special features include incident reporting and full prior acts coverage. The policy can be endorsed to make defense in addition to the limits of protection and to extend coverage for sexual abuse and molestation up to the full limits of liability. Punitive damages are automatically included where insurable by law. Surgery centers, MRI facilities and dialysis centers are also eligible. Minimum premiums begin at $2,000 and deductibles start at $1,000.
Available limits: $1 million to $3 million (with the availability of excess coverage).
Carriers: HCC and HCS. “A” rated by A.M. Best. Non-admitted.
States: Ala., Ariz., Ark., Calif., Colo., Conn., Del., D.C., Fla., Ga., Idaho, Ill., Ind., Iowa, Kan., Ky., La., 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., Wis. and Wyo.
Contact: David Leventhal at 818-808-4464 or e-mail email@example.com.
Golf Courses and Country Clubs
Market Detail: Fairway Underwriters Inc. allows agents access to an insurance program for daily fee golf courses and country clubs. Fairway’s Club Champion CMP policy can now be extended the same coverage to selected distressed courses that are for sale, in foreclosure or in receivership. Program highlights include: tee to green property coverage, herbicide/pesticide pollution liability, non-reporting equipment coverage, rating based on rounds played, along with many other coverages. Workers’ compensation, umbrella liability, and directors’ and officers’ coverage are also available. Some coastal courses are eligible for wind coverage. Minimum premiums begin at $2,500.
Available limits: As needed.
Carriers: QBE. “A” rated by A.M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Colo., Conn., Del., D.C., Fla., Ga., Idaho, Ill., Ind., Iowa, Kan., La., Maine, Md., Mass., Mich., Minn., Miss., Mo., Mont., Neb., 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: Fran Coulter at 800-662-2141 or e-mail firstname.lastname@example.org.
Market Detail: Britt/Paulk brings agents a custom commercial business owners’ policy made for traditional & mobile self storage owners and operators. Britt/Paulk has created a one-stop shop for all the coverage unique to the self storage business. Coverages include: blanket building & personal property, accounts receivable, pollution cleanup, business income and extra expense, replacement cost, course of construction, workers’ compensation, equipment breakdown, business liability, sale and disposal liability, hazardous contents removal, mobile storage coverage, commercial auto, equipment, environmental, professional liability and excess liability.
Available limits: As needed.
Carriers: AAIC. “A+” rated by A.M. Best. Admitted.
Contact: Customer Support at 800-842-8917 or e-mail email@example.com.
Employment Practices Liability
Market Detail: Apogee Insurance Group a Berkshire Hathaway Co. has access to more than 10 carriers offering employment practices liability insurance (EPLI). 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.
Contact: Robert J. McIntyre at 610-337-3200 ext. 7021 or e-mail firstname.lastname@example.org.
Market Detail: Victor O. Schinnerer & Co. Inc. offers environmental consultants a range of coverages to meet exposures faced by environmental engineers and consultants. Directors and officers, fiduciary liability, employment practices liability and commercial package coverage are all available for eligible firms. Risk management educational service is included in coverage. Minimum premiums and minimum deductibles begin at $1,000.
Available limits: Up to $20 million.
Carriers: CNA. “A” rated by A.M. Best. Admitted.
Contact: Matt McWilliams at 301-961-9833 or e-mail email@example.com.
Mortgage Broker/Banker Professional Liability
Market Detail: Gresham & Associates has facilities for mortgage broker/banker professional liability, which includes subprime loans and prior acts coverage. Investor required errors and omissions coverage is also available through a Special Mortgage Bankers Bond naming the investor as the loss payee. Minimum premiums begin at $2,500.
Available limits: $1 million to $5 million.
Carriers: Unable to disclose. “A” rated by A.M. Best. Non-admitted.
Contact: Art Hays at 888-473-7444 or e-mail firstname.lastname@example.org.
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Topics AM Best
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