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Primary CGL including Products
Market Detail: LifeScienceRisk offers primary CGL or monoline products liability for generic pharmaceuticals, medical devices or nutritional supplements. ISO based claims-made forms excess of deductibles or SIRs, and multi-year ERPs available.
Available limits: Minimum $1 million, maximum $5 million.
Carrier: Catlin Specialty Insurance Co.
States: All states except Del. and R.I.
Contact: Mark Wood at 651-463-4612. Email: mark.wood@isrisk.com.

Remodelers
Market Detail: DP Express has coverage for property owners who wish to cover an existing structure and the improvements during renovation of a residential or commercial property. Eligible business includes: contractors renovating or remodeling a residential or commercial property and responsible for coverage; and receivers and others with a legal or financial obligation to insure the property during renovation or remodeling.
Available limits: Maximum $5 million.
Carrier: Granite State.
States: All states except Fla., Hawaii and Ky.
Contact: Registration Team at 855-437-2436 or email: registration@dpexpress.com.

Golf Courses
Market Detail: Glencar Underwriting Managers Inc. coverage for golf courses includes: property; inland marine; general liability; package; business owners’ policies; automobile, excess liability/umbrella; fine art (personal lines and commercial lines); and workers’ compensation.
Available limits: As needed.
Carrier: Glencar Underwriting Managers Inc.
States: All states except Alaska and Hawaii.
Contact: Ray Siebert at 630-875-0723. Email: rsiebert@glencarum.com.

Resort Hotel Program
Market Detail: Distinguished Programs specializes in a liability insurance program for the resort hotel industry. Coverage includes: general liability; commercial auto; workers’ compensation; and garagekeepers legal liability coverage with first dollar, SIR and deductible options. Includes all major segments and needs of upscale hotels, luxury resorts, boutique hotels, full-service hotels, gaming hotels, select service hotels, all brands and independent non-franchise hotels, plus ownership groups or hotel management companies. Highlights include: broad and flexible coverage; crisis management; claim handling by resort industry specialist; and umbrella/excess options with limits up to $300 million.
Available limits: As needed.
Carrier: Benchmark Insurance Co.
States: All states.
Contact: Customer service at 888-355-4626.

Restaurants
Market Detail: Atlantic Casualty Insurance Co. offers commercial general liability, commercial property and commercial package programs in one state on an admitted basis and in 46 states on a non-admitted basis. General liability limits are $1 million occurrence/$2 million aggregate, and property-limits up to $1 million.
Available limits: As needed.
Carrier: Atlantic Casualty.
States: All states except Calif., D.C., Hawaii, Iowa, and Nev.
Contact: Customer Service at 877-225-5744.

Condominium Association Package
Market Detail: Indemnity Excess and Surplus Agency Inc.‘s product is for condominium associations. This D&O liability product includes EPLI coverage for up to 10 employees for no additional cost. Coverage can also include general liability, umbrella, hires and non-owned auto, and crime in one policy. Features include: defense cost outside the limits of liability; full prior acts coverage; unlimited extended reporting for former directors and officers; punitive damages available; breach of contract (where available); duty to defend; full prior acts; and third-party sexual harassment and discrimination coverage.
Available limits: Minimum $250,000, maximum $5 million.
Carrier: United States Liability Insurance Group.
States: All states except Alaska, Hawaii, and La.
Contact: Jim Heisler at 800-487-2442 or e-mail: jimh@ies-xs.com.

Triple Net Lease Insurance
Market Detail: A.J. Wayne & Associates‘ coverage is for landlords with triple-net leases that allow the tenant to provide property insurance on the building, as well as pay for utilities and real taxes. The problem is no insurer wants to provide loss of rents coverage on a monoline basis. A.J. Wayne provides “lease enforcement” that reimburses the landlord for legal expenses in the event of a breach of the lease by the tenant.
Available limits: As needed.
Carrier: Unable to disclose.
States: All states.
Contact: Al Wayne at 773-305-7680. Email alwayne@ajwayne.com.

Topics Hawaii