New Markets

April 2, 2018

Armored Car Services

Market Detail: Brownyard Programs ( is focused exclusively on the insurance needs of the private security industry. Brownyard offers E&O, CGL, umbrella, assault & battery, excess liability, blanket additional insureds. They are the oldest name in the business and along with one of the oldest markets in the industry, Crum & Forster, they know the security industry like no other. Providing general/professional liability, follow-form excess, workers’ compensation, auto, property, and fidelity insurance to more than 1,000 private security guard, private investigation, suppression, and alarm companies from coast to coast.

Available limits: As needed

Carrier: Unable to disclose, admitted and non-admitted available

States: All states.

Contact: Customer service at 800-665-7304

Workers’ Comp for Nonprofits

Market Detail: Charity First ( offers workers’ compensation for nonprofits and social service agencies, offered on a monoline basis or in conjunction with package coverage.

Available limits: As needed

Carrier: Unable to disclose, admitted

States: All states

Contact: Frank Tarantino at 415-536-4037 or e-mail:

Natural Products and Dietary Supplements

Market Detail: Citadel Insurance Services ( covers manufacturers, importers, and distributors of dietary supplements and herbal product manufacturers, importers, and distributors of cosmetics, contract manufacturers and formulators. Coverage highlights include: general liability and products and completed operations; ISO occurrence GL with claims made (not claims made and reported); products liability; zero deductible available for prem/ops and products liability; best in class insurance carrier (A Plus 15 rating); superior policy wording; ISO forms; definition of “bodily injury”; definition of “damages”; claim reporting requirements; change reporting duties; no mold exclusion on products; minimum premiums starting at $2,000; includes additional insured endorsement for vendors; includes waiver of subrogation endorsement; includes primary and non-contributory wording; includes identity theft coverage; includes punitive damages where allowed by law; includes medical payments; includes damage to rented premises; includes TRIA (terrorism coverage); flexible financing available; industry’s most aggressive rating factors; and rapid quoting. Available coverage options: hired and non-owned auto; voluntary products withdrawal coverage; employee benefits liability; stop gap liability; property in your care, and others.

Available limits: Minimum $1 million; maximum $1 million

Carrier: Unable to disclose, exclusive program, non-admitted

States: All states

Contact: David Johnson at 877-247-4468 or e-mail:

Architects, Engineers & Surveyors

Market Detail: Victor O. Schinnerer & Co.’s ( architects, engineers & surveyors insurance program is tailored for the needs of today’s design firms. Coverage includes professional liability, management liability and P/C coverages.

Available limits: Maximum $20 million

Carrier: CNA

States: All states

Contact: Jake Terrell at 713-597-0200 or e-mail:

Large Limit Non-CAT Property

Market Detail: Gridiron Insurance Underwriters ( coverage excludes wind in tier 1 coastal areas. Earthquake is also excluded in quake prone areas. Target occupancies are: retail, offices, warehouses, educational facilities, churches, municipalities and medical facilities. Minimum occupancy is 50 percent and there are minimum square footage valuation requirements.

Available limits: Minimum $2.5 million; maximum $50 million

Carrier: Lloyd’s of London

States: Ala, Calif., Colo., Fla., Ga., La., Miss., N.C., N.J., N.Y., Ore., Pa., S.C., Texas, Va., and Wash.

Contact: Customer service at 954-473-3653

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Insurance Journal West April 2, 2018
April 2, 2018
Insurance Journal West Magazine

HOT New Markets; Also: Focus on Middle Market Risk Managers