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Vacant Property Insurance
Market Detail: US Assure‘s vacant structure product provides coverage for vacant residential and commercial structures and can be issued online. Property limits up to $5 million and general liability limits up to $1 million are available. Multiple policy term options and premium installment payments are also offered on most accounts. The vacant structure product requires no premium commitment and competitive compensation is offered to retail agents and brokers. Product highlights: include online rating and policy issuance; standard 12-month policy term, with short-term policies available; option to convert policy should tenant occupancy change; one policy for multiple residential properties when located in the same state and requiring the same occupancy coverage need; basic form including vandalism; special form including theft and excluding theft; pro-rata cancellations offered after three months earned premium; premium installment payments available; Direct bill to customers, with optional credit card payment method or electronic check. Eligible risks include: residential dwellings and commercial buildings that are completely vacant; all protection classes, when a fire station is located within five miles; structures undergoing repairs, remodeling, or renovations at 15 percent or less than the total completed value or purchase price; structures must have a value of at least $25 per square foot; mobile homes anchored or on a permanent foundation; individual condominiums or townhouse units.
Available limits: Maximum $5 million
Carrier: Diamond State Insurance Co.
States: All states except Alaska and Hawaii
Contact: Heather Crews at 800-800-3907 or e-mail: info@usassure.com

Alcohol/Drug Rehabilitation Centers
Market Detail: Irwin Siegel Agency, Inc. (ISA) provides insurance and risk management options for the Social Service field. Program coverage includes: general & professional liability; abuse; property; inland marine & crime; commercial auto; and umbrella. Available coverage enhancements include volunteer accident; environmental & pollution coverage; HIPAA, and special events.
Available limits: As needed
Carrier: Unable to disclose, admitted
States: All states
Contact: Tiffany Van Etten at 800-622-8272 or e-mail: tiffany.vanetten@siegelagency.com

Insurance Agents & Brokers E&O
Market Detail: King Insurance Support Systems offers an admitted errors & omissions program for insurance agents and brokers. The comprehensive policy includes first dollar defense and defense outside the limits, with a low minimum premium. Quotes are processed within 24 hours with completed application.
Available limits: Minimum $1 million, maximum $4 million
Carrier: Wesco
States: Ariz. and Calif.
Contact: Laura Fondarella at 800-488-4096 or e-mail: laura@kinginsuranceca.com

Three Year Policies – EPLI
Market Detail: International Excess EPLI Program is for the under 500 employee firms. Coverage features include: annual installments; aggregate limits reinstated annually; defense outside the limits; optional coverage for punitive damages; optional third-party discrimination and harassment coverages; Fair Labor Standards Act sub-limit for defense costs and loss; defense and settlement provision; wrongful acts includes internet and e-mail; full prior acts; and free human resource consultation helpline. Classes of business eligible include auto dealers, law firms, mortgage companies, real estate agencies, banks, accounting firms and insurance agencies in addition to 50 other classifications.
Available limits: Minimum $100,000, maximum $5 million
Carrier: U.S. Liability Insurance Group
States: All states except Alaska and La.
Contact: Lisa Licursi at 800-937-3497 or e-mail: llicursi@intlxs.com

Maritime Security
Market Detail: Clements Worldwide works on ensuring that an organization is compliant with BIMCO insurance requirements. As new and existing organizations compete for contracts as part of private maritime security companies (PMSC), it’s become critical for security contract bidders to understand the liability risks involved as well as full compliance with insurance regulations. Clements Worldwide works with PMSC’s to ensure protection beyond these standards. Clements maritime security insurance products include but are not limited to: general and professional liability; and employers liability coverage; marine employers liability (MEL).
Available limits: As needed
Carrier: Unable to Disclose
States: Not specified
Contact: Customer service at 800-872-0067

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