New Markets

Aviation and Aircraft Liability and Hull Physical Damage

Market Detail: Unmanned Risk Management’s ( chartassure product offers corporate non-owned aircraft liability insurance for companies or individuals that use aircraft that they do not own and that are operated by third parties such as chartered aircraft or permissive use. These exposures are primarily contingent liabilities where the user does not employ the crew and is not directly involved with the operation and maintenance of the aircraft. Non-owned hull and liability for corporate aircraft coverage includes: non-owned aircraft third party legal liability with limits of $100 million or higher; non-owned aircraft hull physical damage $1 million and up. Non-owned hull and liability for special uses coverage for film and product; power-line patrol; pipe-line patrol; aerial photo and survey; and air ambulance.

Available limits: Minimum $500,000, maximum $750 million

Carrier: Various, admitted

States: All states

Contact: Customer service at 866-256-0227

Inland Marine – Motor Truck Cargo

Market Detail: CTC Transportation Insurance Services LLC ( provides insurance on the freight or commodity hauled by a for-hire trucker. It covers liability for cargo that is lost or damaged due to fire, collision, or striking of a load.

Available limits: Minimum $25,000, maximum $250,000

Carrier: Certain Underwriters at Lloyd’s

States: All states except Alaska, Hawaii, Ky. Mass., Mich., Miss., and N.Y.

Contact: Sales & Marketing Rep at 760-487-7399 or e-mail:

High Hazard/High Risk Workers’ Compensation

Market Detail: The Pride Risk Solutions, Inc ( program covers high-risk insureds in a wide range of industries. Some of the most common governing codes covered under this program include: manufacturing HVAC, sheet metal, masonry, landscaping, electrical, plumbing, painting, food processing, bakeries, hospitality, warehouse operations, trucking/transportation, heavy construction (excluded in NY), cold storage, retail, wholesale staffing (excluded in NY), seasonal operations (advised upfront), property management, janitorial, and residential cleaning. Organizations with the following characteristics are eligible: high risk business segments; experience modifiers over 1.00; cancelled/non-renewed coverage/gap in coverage; large losses/poor claims experience; few or no options aside from the state insurance fund.

Available limits: As needed

Carrier: Lion Insurance, admitted

States: Ala., Ariz., Calif., Colo., Fla., Ga., Ill., La., Md., Miss., N.C., Nev., N.J., N.M., N.Y., Okla., Pa., S.C., Tenn., Texas and Va.

Contact: Marketing at 904-217-6344 or e-mail:

Golf & Country Club Umbrella

Market Detail: The Preferred Club Program (from Venture Programs) ( offers a highly-competitive umbrella coverage for private, semi-private and daily-fee golf & country clubs that is able to sit atop other primary club insurance programs (assuming A- VI or better A.M. Best rating from primary insurers). Able to sit atop D&O and EPLI policies, as well as offering Coverage A (excess) and Coverage B (umbrella) protection.

Available limits: Minimum $25 million, maximum $50 million

Carrier: Chubb

States: All states except Ala., and Ark.

Contact: Venture Programs at 800-282-6247 or e-mail:

Inland Marine Programs

Market Detail: Travelers Inland Marine Programs ( offers customized programs and works with various industry groups, professional associations, and hobbyist or buying groups. It can provide tailored inland programs for a wide range of industries. The Fine Art presence offers capacity and expertise for fine art dealers and collectors in a variety of cultural and historical areas.

Available limits: As needed

Carrier: Travelers

States: All states

Contact: 800-238-6225