New Markets

Auto Service and Repair

Market Detail: Anderson & Murison Inc.’s ( garage package offers general liability and property coverage for businesses in the automotive industry. A&M has in-house binding authority with multiple A+ Rated markets.

Available limits: Maximum $10 million

Carrier: Various, non-admitted

States: All states except Alaska and Fla.

Contact: Commercial underwriting at 800-234-6977, ext. 220 or e-mail:

Limousine and Sedan Services

Market Detail: National Indemnity Co. ( offers coverage for stretched and super-stretched limousines, stretched SUVs, executive transport autos, airport transportation vehicles, among others. Coverages include: liability; physical damage; uninsured motorist coverage (UM) and underinsured motorist coverage (UIM); and medical payments. Higher liability limits available than many insurers. Many businesses require federal or state authority to operate. National Indemnity can make a required governmental filing upon request.

Available limits: As needed

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

States: All states except Mass., N.J., and N.Y.

Contact: Customer service at 402-916-3000

Outfitters & Guided Trail Rides

Market Detail: Allen Financial Insurance/The Equestrian Group ( is an insurance provider for guided trail rides, outfitters, trail guides and dude ranches. Underwriting specialists have created insurance programs in use by commercial equine operations throughout the U.S. Limits include: occurrence of $100,000 – $1 million; general aggregate of $200,000 – $2 million; aggregate products/operations of $200,000 – $2 million; personal/advertising injury of $100,000 – $1 million; medical of $5,000; and fire legal liability of $50,000.

Available limits: As needed

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

States: All states except Alaska and Hawaii

Contact: Judi Petersen at 800-874-9191 or e-mail:

Long Term Care Professional and General Liability

Market Detail: Magnolia LTC Management Services ( is the program manager and responsible for the daily operations of Continuing Care Risk Retention Group (CCRRG). CCRRG is a mutual insurance company that offers professional liability and general liability insurance for LTC facilities. This is a member-owned program. New brokers welcome – submissions can be considered while broker agreement is completed – no previous book of business required for initial appointment. Policy highlights include general and professional liability package policy with two GL & PL policy form options available. Claims made and claims paid coverage options. Standard liability limits of $1 million/$3 million; $2 million/$4 million limits available subject to underwriting approval; lower limits may be available upon request. Other features include: deductible and SIR options available; per location aggregate (subject to underwriting approval); prior acts available; competitive rates; new ventures considered with appropriate prior experience; accounts with a “shock loss” considered with acceptable documentation; sexual misconduct coverage with no-sublimit; no joint and several liability; defense outside the limits – subject to U/W approval; risk management service provided with on-site risk assessment visit(s). Program includes exclusive access to Magnolia Analysis Risk System, which offers tools and helpful information for LTC facilities, including 53 hours of approved continuing education for employees’ licensure requirements. HUD and Fannie Mae approved carrier.

Available limits: As needed

Carrier: Continuing Care, a Mutual Insurance Company

States: All states except Alaska, Fla., Miss., Ala., and Ark.

Contact: Steve Ottenbrite at 707-571-7430 or e-mail:

Commercial General Liability

Market Detail: NBIS ( is the insurance provider of a policy including loss prevention, risk management support, claims service, competitive rates and custom coverage. Programs include coverage for concrete pumping, crane & rigging, specialized transport and equipment dealers.

Available limits: Maximum $3 million

Carrier: Unable to disclose

States: All states

Contact: Customer service, 410-863-4894

Contractors General Liability

Market Detail: Westcap Insurance Services LLC ( offers residential, commercial and industrial general contractors and subcontractors coverage. Policy structure is occurrence-based, primary general liability. Premiums starting at $2,500; $4,000 in California. Deductibles ranging from $1,000 to $25,000. Eligible classes include: remodelers; demolition; roofing; plumbing; concrete including foundation work; rough framing; structural steel; custom home builders; excavation/grading. Policy features include: 100 percent sub costs acceptable; new condo/townhouse work; blanket and scheduled “Your Work” AI’s; blanket PPA ($5 million cap); blanket and scheduled waiver of subrogation; earth movement sub-limit options; EIFS buy-back options; scheduled past projects options; no work height limitation; no tract limitation and no overspray exclusion.

Available limits: Minimum $300,000, maximum $1 million

Carrier: Unable to disclose, admitted

States: Ariz., Calif., Minn., Nev., Ore., and Texas

Contact: Erik Fulton at 805-688-7034 or e-mail: