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Coastal or Secondary Homeowners Insurance Program
Market Detail: BUA LLC ‘s coverage is designed for homes valued at $100,000 to $10 million located on the coast or in remote locations. Coverage features include an “all risk” form (ISO HO-3); coverage is also available for art work and other valuable possessions. BUA provides a home inspection/appraisal service to establish the home’s replacement value. Other features include: coverage and liability available to high profile individuals/celebrities; as much as $1 million of personal liability insurance available; proposals provided within 24 to 72 hours upon receipt of a completed application; replacement cost provided on all proposals; and excess flood coverage above the federal flood insurance program also available.
Available limits: As needed
Carrier: Unable to disclose
States: Conn., Maine, Mass., N.H., N.Y., R.I., and Vt.
Contact: Customer service at 888-772-5005

Artisan/General Contractor Program
Market Detail: American Team Managers Insurance Services Inc. ‘s Contrac Pac is designed to meet the needs of small- to medium-sized artisan and general contractors specializing in residential and commercial projects. Eligibility requirements include: contractors with an owner active in the day-to-day operations and annual receipts up to $3 million; new ventures with three years of construction experience; new construction work on residential projects (excluding condo, townhome and co-op projects of any size); general contractors working on three or less new residential units annually in a tract, subdivision or development; trade contractors working on three or less new residential units annually in a tract, subdivision or development; job project size to approximately $1.5 million; credit qualification never required. Available coverages include: general liability with limits up to $1 million/$2 million including products and completed operations; increased limits available; identity recovery; inland marine; blanket additional insured which includes primary, noncontributory and waiver of subrogation; other additional insured endorsements available including completed operations.
Available limits: Minimum $300,000, maximum $2 million
Carrier: CBIC
States: Calif. only
Contact: Bryan Beeson at 714-414-1236 or e-mail: bryan@atminsurance.com

Wholesale Workers’ Compensation – Staffing Companies
Market Detail: Imaco Wholesale Insurance offers workers’ compensation coverage for start-up staffing companies and preexisting staffing businesses. Large or small, new in business or preexisting, the market is getting more and more difficult for staffing businesses on the workers’ comp side.
Available limits: As needed
Carrier: Unable to disclose
States: Ariz., Ark., Calif., Colo., Fla., Idaho, Iowa, N.M., Okla., Ore., Texas and Utah
Contact: John Rosmalen at 800-943-3821 or e-mail: submissions@imacoinsurance.com

Vacant Property
Market Detail: Cox Specialty Markets maintains both binding authority contracts as well as numerous brokerage facilities to provide agents with competitive prices and coverages.
Available limits: Maximum $2 million
Carrier: Unable to disclose, admitted
States: Ill., Ind., Mich., Ohio and Pa.
Contact: Emily Kindell at 800-648-0357 or e-mail: emilyk@coxspecialty.com

Property Insurance for Woodworking Companies
Market Detail: Wood Products Manufacturers Association offers a safety group dividend plan offered in partnership with an A-rated carrier that specializes in coverages for woodworking companies. The group can potentially receive dividends of up to 10 percent of eligible policy premiums earned during the year.
Available limits: Minimum $2,000 , maximum $25 million
Carrier: Unable to disclose, admitted
States: All states except La.
Contact: Philip Bibeau at 978-874-5445 or woodprod@wpma.org

Restaurant Umbrella Program
Market Detail: The McGowan Companies‘ “National Restaurant Owners” umbrella program’s eligible classes include: sit-down restaurants, family style restaurants, “white tablecloth” restaurants, “take out” restaurants, private dining clubs, theme restaurants, franchise restaurants, “fast food” restaurants, cafeterias, institutional food services, and caterers.
Available limits: Minimum $1 million, $25 million
Carrier: Unable to disclose, admitted
States: All states
Contact: Suzanne Young at 800-545-1538 or e-mail: syoung@mcgowanins.com