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Home Health Care/Hospice
Market Detail: Manchester Specialty Programs Inc. offers business coverage options for home care, hospice and medical staffing firms. All lines with “A”-rated or better carriers are available on a national basis. Coverage includes professional liability, workers’ compensation, business package (GL, products, property, inland marine, auto), third-party fidelity bond, D&O/EPLI. Professional liability has limits of $1 million/$3 million (excess available) and minimum premiums starting at $5,000.
Available limits: As needed.
Carrier: Unable to disclose, admitted and nonadmitted available.
States: All states.
Contact: Bill Thompson at 802-472-1500 or email: wthompson@manchesterspecialty.com.
Vacant Buildings
Market Detail: Insurance Noodle offers access to a comprehensive vacant building product for vacant buildings with or without renovations, vacant tenant spaces, vacant condominiums and business personal property in a vacant building. Ideal risk criteria includes: buildings that are completely constructed; vacant buildings with or without renovations; vacant tenant space; vacant condominiums; business personal property in a vacant building; buildings on a plot of land up to 5 acres; no losses or claims incurred in the past three years. Product highlights: business personal property coverage available for most risks; no restrictions on the length of vacancy; ability to consider locations having renovations being done; options for 3-, 6-, 9- and 12-month policy terms; ability to extend short-term policies by endorsement up to a maximum of 12 consecutive months with special form available for risks less than 25 years old; replacement cost available for risks less than 25 years old; loss of income coverage available; and inspection costs paid by USLI. Available limits for coastal zones with maximum property values up to $500,000 per location. Risks having property values up to $250,000 for only non-structures (i.e. business personal property and business income) are available with wind in select counties without direct coastal exposure. Wind exclusion applies on all other coastal business. Liability limits up to $1 million/$2 million. Vacant condo units up to $500,000 (including a maximum amount of $50,000 in renovations); business personal property up to $250,000.
Available limits: As needed.
Carrier: Unable to disclose, nonadmitted.
States: All states except Alaska, Fla., Hawaii, and La.
Contact: Brian Dunn at bdunn@insurancenoodle.com.
Paratransit Programs
Market Detail: Irwin Siegel Agency Inc. (ISA) offers a package policy for paratransit and rural transit providers. Program highlights include: comprehensive package with general liability, auto and umbrella; abuse coverage available; garage liability available; for-profit and not-for-profit agencies are eligible; employees as insured’s endorsement; hired car physical damage up to $50,000; fleet and driver risk management services available; and no driver exclusions. ISA does not require production minimums or agency appointment.
Available limits: As needed.
Carrier: Unable to disclose, admitted.
States: All states except Ala., La., and Miss.
Contact: Elizabeth Friedman at 800-622-8272 or email: elizabeth.friedman@siegelagency.com.