April 16, 2012

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Fire Equipment Dealers and Fire Sprinkler Contractors Insurance
Market Detail: Zurich Programs’ appetite offers coverage for fire sprinkler contractors, fire suppression system testing, fire equipment dealers and fire extinguisher servicing contractors with policyholder annual receipts of $150,000 to $15 million. Coverage available through this program includes general liability, property/inland marine and workers’ compensation.
Available limits: As needed.
Carrier: Zurich in North America.
States: All states.
Contact: Customer Service at 866-873-0782.

Vacant Homes
Market Detail: Sadler Wholesale Personal Lines offers vacant home coverage with a specialized market.
Available limits: Maximum $5 million.
Carrier: Sadler WPL.
States: All states except Kan., La., Miss., Mont., N.D., Neb., S.D., Tenn., W.Va., and Wyo.
Contact: Laurie Gray at 804-767-0218 or email:

Emergency/Non-Emergency Transport
Market Detail: Kinsale Insurance Co. targets emergency/non-emergency transport classes. The policy structure includes: professional liability and general liability coverage; claims-made and reported coverage form (general liability occurrence coverage form may be used for certain risks). Policies issued with a per claim deductible that applies to both indemnity and expense. Broadened coverage is available for select risks and may include: incident trigger, defense outside the limit, silent on punitive damages, indemnity only deductible, etc.; one-, two- and three-year tail options available. Professional liability and general liability overage can be written on a stand-alone basis with separate limits, or a combined basis with a shared aggregate limit; primary GL/PL limits available up to $2 million. Limits up to $5 million available on an individual risk basis. Employee benefits and non-owned auto coverages are also available.
Available limits: Minimum $1 million, maximum $5 million.
Carrier: Kinsale Insurance Co.
States: All states except Minn.
Contact: Bob Neal at 804-289-1318 or email:

Market Detail: Equisure Inc.’s agribusiness coverage includes care/custody/control, commercial general liability, professional liability. Equisure provides insurance benefits to thousands of equestrians and associations.
Available limits: As needed.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states.
Contact: Diane Lesher at 800-752-2472 or email:

Platinum Food Services Program
Market Detail: Platinum Program Managers & Insurance Services Inc. has a competitively priced workers’ compensation program for grocery stores, bakeries and restaurants. Standard commission is 10 percent.
Available limits: Minimum limit $5,000, maximum $1 million.
Carrier: Unable to disclose, admitted.
States: Calif. only.
Contact: Dan Rieden at 949-209-0233 or email:

Pest Control Program
Market Detail: BancorpSouth Insurance Services Inc.’s pest control program provides commercial general liability, commercial property and inland marine coverages to residential and commercial pest control operators not engaged in fumigation and to landscape and gardening operations.
Available limits: As needed.
Carrier: Unable to disclose.
States: Ala., Ariz., Ark., Conn., D.C., Dela., Fla., Ga., Ind., Ky., La., Maine, Mass., Md., Miss., Mo., N.H., N.J., N.Y., Ohio, Okla., Pa., R.I., S.C., Tenn., Texas, Va., Vt., and W.Va.
Contact: Dennis Vidrine at 225-336-3299 or email:

Hunt Club General Liability Insurance
Market Detail: Yates Insurance provides general liability insurance to hunt clubs through an A-rated carrier. The broad form policy includes all member-to-member claims and all club members, guests and family members. No NRA membership required. Portable policies that will follow the club wherever they travel within the United States, its territories and possessions are available. Policy includes bodily injury, property damage, personal injury and advertising injury liability coverage. Standard $1,000 medical expense coverage with options to increase available.
Available limits: Minimum $100,000, maximum $1 million.
Carrier: Northland Insurance.
States: All states except Ala., Alaska and Hawaii.
Contact: Customer service at 866-505-2663.

HIPAA Liability /Medical
Market Detail: Gaksure Corp. offers defense coverage for doctors, groups, medical professionals, and employees who inadvertently release medical information in violation of the new HIPAA laws. Fines can reach $250,000, and certain intentional acts can be prosecuted criminally. Coverage is still being finalized to cover various aspects of this HIPAA Law.
Available limits: Minimum $300,000, maximum $1 million.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states.
Contact: Gary Kenoff at 800-425-7873 or email:

LED Teeth Whitening Insurance
Market Detail: Insuretec Tanning and Spa Insurance covers salons performing LED teething whitening services. More salons and spas are offering these services to their customers. Insurtec also covers the other services a salon or spa may offer, including tanning, esthetics, massage and cosmetology.
Available limits:Minimum $300,000, maximum $3 million.
Carrier: USF, Victoria.
States: All states except Alaska and N.Y.
Contact: Customer Service at 800-606-0621 or email:

Herbals & Dietary Supplements
Market Detail: SHG Insurance Services LLC provides CGL including products for dietary supplements and herbals. The company will entertain manufacturers, distributors and importers; new ventures as well as established firms.
Available limits: Maximum $2 million.
Carrier: Unable to disclose.
States: All states.
Contact: William Ambler at 805-686-1148.

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Insurance Journal West April 16, 2012
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