Pawnbroker’s Package Policy
Market Detail: First Class Insurance offers a pawn shop insurance program that includes liability for items leased, owned and pledged, or held on consignment, out-of-safe items, glass, and stock to include guns and jewelry. We insure: Pawned & Owned Jewelry & Guns and /or Other Stock; Employee Theft; Building Coverage; Business Personal Property; Business Interruption & Extra Expense; Auto Pawn Vehicles (property coverage); Personal Conveyance of Jewelry; FedEx, UPS, Armored Car Shipments; Cash On & Off Premises. Property: All Owned Premises; All Operations — unless excluded; Products — Completed Operations; Personal and Advertising Injury; and Medical Payments. General liability: Products Completed Operations on Guns, Firearms, and Ammunition up to $1,000,000; Employee Benefits Liability; Hired and Non-Owned Auto Liability; Employment Practices Liability; Cyber Liability; Gun Liability.
Available Limits: As needed
Carrier: Not disclosed, admitted and non-admitted
States: All states
Contact: Todd Russo at 954-241-4680 or email: trusso@firstclassins.com
Mining & Quarry Operators
Market Detail: Skyward Specialty Insurance Group-Energy offers coverages for mining and quarry operators. Coverages include: General Liability; Commercial Auto; Inland Marine; Property; Excess Liability; Workers’ Compensation Insurance for surface and underground Mining and Quarry risks. This includes related Machine Shops as well as Engineers and Consultants.
Available Limits: As needed
Carrier: Skyward Specialty Insurance Group, admitted, rated A-FSC 15 by AM Best
States: All states except Alaska and Hawaii
Contact: Jim Godfrey at 205-332-8118, or email: jgodfrey@skywardinsurance.com
Manufactured Home
Market Detail: CoverTree offers a Manufactured Home program that provides the flexibility to customize a policy that best meets a customer’s needs and budget. Multiple peril selections available and a wide underwriting appetite for nearly any type of manufactured home (Mobile home, modular, tiny, stationary travel trailer, and ADUs). Occupancies: owner; seasonal; rental/landlord; vacant; renter’s/tenant.
Available Limits: As needed
Carrier: Not disclosed, admitted, rated A by AM Best
States: Arizona, Indiana, Michigan, New Mexico and Ohio
Contact: Dillon Kirby at 877-417-8733, or email: Dillon@covertree.com
Cyber Risk
Market Detail: Brooks Insurance Group covers nearly anything and everything that relates to cyber incidents and technology failures. And unlike other cyber insurance policies, ours was built by security experts. We cover up to $15 million in financial, tangible, and intangible damage to businesses: Stolen Funds; Loss Business Income; Breach Response Costs; Cyber Extortion; Computer Replacement; Bodily Injury; Pollution Damage; Reputational Harm Loss; and Reputation Repair. Third Party Liability Coverages: Network & Information Security Liability; Regulatory Defense & Penalties; Multimedia Content Liability; and PCI Fines & Assessments. First Party Loss Coverages: Bodily Injury & Property Damage Pollution; Pollution; Computer Replacement; Fund Transfer Fraud; Service Fraud; Digital Asset Restoration; Business Interruption & Extra Expenses; Cyber Extortion; Breach Response; and Crisis Management & Public Relations.
Available Limits: As needed
Carrier: Not disclosed, rated A by AM Best
States: All states except Hawaii
Contact: Michael McCluskey at 615-400-5522, or email: mmccluskey@brooks-ins.com
TRICHOME Cannabis Program
Market Detail: Trichome offers the first pure risk-bearing captive insurance model in cannabis. TRICHOME was established in 2020 to deliver the essential, industry-specific, and risk management anchored insurance products that the cannabis vertical needs to expand and sustain their business. As the National Cannabis Risk Management Association (NCRMA) endorsed captive, TRICHOME initially offers GL Premises, Product Liability and Property coverages for dispensaries and those with associated grow facilities. TRICHOME delivers the first cannabis-specific business insurance product that has risk management at its core. TRICHOME is available only to NCRMA members. By combining a pure captive insurance structure with innovative and focused cannabis risk management, TRICHOME offers the long-term sustainability desperately needed in cannabis. This powerful combination promises to deliver the financial reserves and premium and product stability necessary to assure a long-term presence in the growing cannabis market. The National Cannabis Risk Management Association (NCRMA) established TRICHOME as a captive+risk management model to create an industry-specific business insurance solution that fills a critical need for its members. As the endorsed captive product, TRICHOME delivers the following major benefits to NCRMA members: Accurately priced premiums; A holistic approach to underwriting; Appointed brokers vetted by criteria established by NCRMA members; Insurance products birthed by cannabis risk management (NCRMA); and Short term profit taking replaced by long term stability and reward.
Available Limits: As needed
Carrier: The Clipeum Group
States: All states
Contact: Michael Malloy at 724-779-9700, or email: michael@clipeumgroup.com
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