Workers’ Compensation
Market Detail: PEO Emperor
(peoemperor.net) offers workers’ compensation insurance for all industries. Specializes in experienced classes that are declined due to high mods, bad claims, new business startups and hazardous risks.
Available limits: As needed
Carrier: Unable to disclose
States: All states
Contact: Nicholas Minetos at 505-610-6885 or email: nick@peoemperor.net
Churches & Houses of Worship
Market Detail: Orchid Insurance (orchid
insurance.com) can protect churches and places of worship from the potential losses from fire, hail, wind storms and more. Orchid can cover the church building, contents, as well as loss of income. A sub-limit for stained glass is also available.
Product highlights include: monoline property policy types available; up to $15 million per building, $15 million per location and $25 million per policy coverage; up to $1 million/ $2 million in general liability limits; includes the Orchid Premier Endorsement to enhance certain coverages such as outdoor property, employment dishonesty, water backup, outdoor aign, debris removal, etc.; 1950 and newer year built and 1900 in some areas on all construction types; proprietary programs can only be accessed through Orchid. Wind coverage can be included without any restriction on distance to coast. Online submission process available.
Optional/additional coverages include: equipment breakdown; ordinance or law; outdoor property; water backup; spoilage; employee dishonesty; and wind driven rain. Commercial submission (ACORD’S, SOV’s, supplementals, loss runs, etc. …) can be submitted to commercial
submissions@orchidinsurance.com.
Available limits: As needed
Carrier: Various, admitted and nonadmitted available
States: All states except Alaska, Ark., Iowa, Neb., N.D., and S.D.
Contact: Forrest Nulton at 772-226-5546, ext. 239 or email: fnulton@orchidinsurance.com
Cyber Liability
Market Detail: CRES Insurances Services (cresinsurance.com) is a one-stop insurance resource for real estate offices. CRES can find markets for errors and omissions, business owners or general liability and property, cyber liability, workers compensation, and more. All E&O policies come with legal advisory services.
Available limits: As needed
Carrier: Unable to disclose
States: All states
Contact: Alita Hawksworth at 800-880-2747 or email: alita@cresinsurance.com
Fine and Casual Dining
Market Detail: Innovative Coverage Concepts (innocov.com) covers the special needs of fine dining establishments that don’t apply to the generic restaurant insurance packages. Often, a fine dining establishment’s food-to-alcohol ratio is outside of “big-box” insurance provider guidelines. Or, its inventory of delicate meats and seafood may cause premiums on spoilage coverage to soar. Innovative Coverage Concepts ensures essential coverages are written in the policy and that additional offerings are covered and protected under the insurance policy
Available limits: As needed
Carrier: Unable to disclose, admitted
States: All states
Contact: Robert Crowell at 855-380-9483 or email: robertc@innocov.com
Specialty Auto
Market Detail: Gray-Stone & Co. (gray-stone.com) offers coverage through an “A+” (Superior) A.M.
Best and “A” (Superior) Standard & Poor’s rated carrier. Target classes include: hospitals, ambulances, couriers, driving schools, public entities, hired/nonowned (standalone and bundled; Symbol 10. Eligible commercial auto classes include: healthcare — hospitals, ambulance, couriers, mental health facilities; construction; manufacturing; communications; wholesalers and distributors; retail trades; armored cars; financial institutions; real estate companies (i.e. REITS); miscellaneous services; public administration; overseas parents corp. with U.S.-based operations; security guard services.
Available limits: As needed
Carrier: Unable to disclose
States: Ariz., Calif., Colo., Fla., Ga., Hawaii, Idaho, Ill., Iowa, Ky., Maine, Neb., Nev., N.J., N.M., N.C., N.D., Ore., Texas, Utah, Wash., W.Va., and Wis.
Contact: Howard Stone at 805-494-4440 or email: info@gray-stone.com
Saddle Animal Liability
Market Detail: Wildlife Insurance Underwriters, LLC (insurewildlife.com) is a national firm specializing in the placement of animal mortality coverages, rod and hunt clubs, hunting leases, ranches and farms. Coverages vary between admitted and non-admitted.
Available limits: As needed
Carrier: Unable to disclose, admitted
States: All states
Contact: Tiffany Davis at 800-844-0536 or email: tmoulds@sportsfitness.com
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