New Markets

September 21, 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.

Misc. Medical Malpractice
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).
Carrier: 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 dleventhal@nasinsurance.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 which are for sale, in foreclosure or in receivership. Highlights: tee to green property coverage; herbicide/pesticide pollution liability; non-reporting equipment coverage; rating based on rounds played; along with many other coverages. Workers’ comp, 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.
Carrier: 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 fcoulter@fairwayunderwriters.com.

Fire & Water Restoration Contractors
Market Detail: USAssure Insurance Services Inc. offers a fire and water restoration contractor’s pollution liability package policy that includes contractor’s pollution liability (CPL) as well as general liability (GL). Incidental mold and mold remediation coverage is also available. Minimum premiums and deductibles begin at $5,000.
Available limits: Up to $1 million.
Carrier: Zurich. “A” rated by A.M. Best. 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.C., N.D., Ohio, Okla., Ore., Pa., R.I., S.C., S.D., Tenn., Texas, Utah, Vt., Va., W. Va., Wis. and Wyo.
Contact: Jenny Roberts at 904-224-8970 or e-mail Jenny.Roberts@USAssure.com.

Home Medical Equipment Dealers
Market Detail: Davidson-Babcock makes available a program for home medical equipment dealers selling, renting and servicing home medical equipment. Program coverages include professional liability, products liability and general liability. Minimum premiums begin at $1,700.
Available limits: $300,000 to $2 million.
Carrier: United National. “A” rated by A.M. Best. Non-admitted.
States: All.
Contact: Cheryl Bishop at 888-329-0003 or e-mail hme.program@davidson-babcock.com.

Green Building Consultants E&O
Market Detail: ELM Insurance Brokers Inc. offers a new liability product designed for green building consultants accredited in programs such as LEED, Energy Star, Green Globe, EarthCraft, HERS and NAHBGreen. Coverage is also available to insureds who conduct green education seminars, green marketing consultants and green technical writers. Registered users of www.e-o.com or ELM Insurance can quote these products Online. Minimum premiums begin at $1,300 with minimum deductibles starting at $2,500.
Available limits: $500,000 to $5 million.
Carrier: Unable to disclose. “A+” rated by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Fred Fisher at 310-322-1301 or e-mail ffisher@e-o.com.

Hazardous Occupation Health Insurance
Market Detail: Benefits USA LLC offers agents access to a guaranteed issue health insurance product for hazardous occupations. No ratings, exclusions, or declines. Issue ages of 18-64 for individuals engaged in construction, mining, logging, demolition, law enforcement, marine, salvage, chemicals.
Available limits: As needed.
Carrier: Not provided. “A” rated by A.M. Best or better. Admitted.
States: Ala., Alaska, Ariz., Ark., Calif., Colo., Del., D.C., Fla., Ga., Hawaii, Idaho, Ill., Ind., Iowa, Kan., Md., Mass., Mich., Minn., Miss., Mo., Mont., Neb., N.H., N.J., N.C., N.D., Ohio, Okla., Pa., R.I., S.C., S.D., Tenn., Texas and W. Va.
Contact: Mark Swanson at 612-310-8559 or e-mail mswan71418@aol.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. 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.
Carrier: 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 McIntyre at 610-337-3200 ext. 7021 or e-mail rmcintyre@apogeeinsgroup.com.

Martial Arts Schools
Market Detail: K&K Insurance Group brings agents access to a program, specifically designed for martial arts schools. The program provides liability protection for the organization, including employees and volunteers. For eligible operations, coverage includes premises liability, martial arts activities, instruction, practice and demonstrations/exhibitions. Coverage is also provided for picnics, banquets, ceremonies and fund-raising. Optional coverages available include birthday/social party coverage, subsidiary activities coverage, hosted tournament coverage, equipment and contents coverage, abuse/molestation defense cost reimbursement coverage and directors and officers protection. Minimum premiums begin at $984.
Available limits: As needed.
Carrier: Nationwide. “A+” rated by A.M. Best. Admitted.
States: All.
Contact: Phil Wilder at 800-648-6406 or e-mail phil_wilder@kandkinsurance.com.

Submit your company’s property/casualty markets to the industry’s leading searchable database at www.mynewmarkets.com.

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