New Markets

December 3, 2018

Adult Foster Home

Market Detail: Personal Care & Assisted Living Insurance Center LLC ( offers insurance for adult foster homes or home-based care homes.

Available limits: As needed

Carrier: Unable to disclose

States: All states except Ark., Ks., La., Minn., Miss., N.M., W. Va., and Wyo.

Contact: Brian Barrick at 717-630-1030 or e-mail:

Apartments and Habitational

Market Detail: Leo Risk Services Inc. ( can help with hard to place real estate schedules including apartments, dwellings, student and subsidized housing, high-rise, vacant properties and CAT exposed. Coverages available for property and casualty exposures. Submission requirements: ACORD, statement of values, habitational supplemental and five year currently valued loss runs.

Available limits: Minimum $1 million, maximum $50 million

Carrier: Unable to disclose, non-admitted

States: Ala., Fla., Ga., La. Miss., N.C., S.C., Tenn., and Texas

Contact: Katie Nehls at 727-734-0040 or e-mail:

Independent School Coverage

Market Detail: United Educators’ ( independent school coverage provides up to $40 million with the educators legal liability (ELL) policy and up to $40 million with the general liability (GL) umbrella or excess coverage. The combination of ELL and GL gives independent schools the resources needed to protect finances, endowments, and reputations. UAV (drone) coverage is a standard part of the GL policy, covering institutions for damages sustained by use of drones (weighing less than 55 pounds) for purposes beyond research and education, such as roof inspections and aerial promotional videos, as well as for research and education purposes for UAVs weighing up to 100 pounds. GL policies also include coverage for: additional insureds; alcohol-related claims; allied health professionals and counselors in campus infirmary; athletics; boarding schools; fire; security guards; and sexual molestation. ELL policies include coverage for: discrimination; educational malpractice /failure to educate; employee benefits/ERISA; employment practices; prior acts; punitive damages; trustees and officers. EduRisk risk management services and resources are included with each policy.

Available limits: As needed

Carrier: Unable to disclose

States: All states

Contact: Julie Britt at 301-215-6429 or e-mail:

Real Estate Errors & Omissions

Market Detail: CRES Insurance Services’ ( E&O program includes a policy with a broad definition of coverage, risk management services designed to reduce claims and access to home warranty partners. Members enjoy both fixed/annual and our state of the art “per transaction” payment plans.

Available limits: Minimum $500,000, maximum $2 million

Carrier: TOPA Insurance Co. & Delos Insurance Co.

States: Ariz., Calif., Colo., Conn., Fla., Ga., Iowa, Idaho, Ill., Ind., Ky., Mass., Md., Mich., Mo., Miss., N.C., N.D., Neb., N.J., N.M., Nev., Ohio, Ore., Pa., R.I., S.C., S.D., Tenn., Texas, Utah, Va., Wash., and Wyo.

Contact: Customer service at 800-880-2747

Flood & Specialty Perils

Market Detail: DUAL Commercial LLC’s ( flood program is designed for residential, commercial and commercial real estate buildings. Includes NFIP, private flood, and excess flood. Specialty perils include wind, hail, flood & quake deductible buy down, coastal all risk & wind, high-value homeowners and coastal commercial property. Flood online rating capabilities. Coverages available are buildings, contents, and loss of income. Specialty perils include: deductible buy-down; coastal all risk & wind; high-value homeowners; and coastal commercial property.

Available limits: Maximum $50 million

Carrier: Certain Underwriters of Lloyd’s of London

States: All states

Contact: Patrick Small at 973-631-7575, ext. 160 or

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