Commercial Property
Market Details: CARA insures large commercial property assets in Florida, including but not limited to condominium buildings, apartments, warehouses, and more. Tailored insurance solutions are designed to safeguard the integrity of the property against coastal risks, ensuring long-term security and peace of mind.
Practice Areas: Directors and Officers (D&O) for board members. Defense costs paid outside the policy limits. Lifetime occurrence reporting period for extended protection. Coverage includes both monetary and non-monetary claims. Defense costs available for breach of contract claims. Manager and management company automatically included as additional insureds. Employment practices liability (EPL) coverage included.
Condominium Associations: Comprehensive property coverage for residential buildings, pools, and outdoor signs and common areas
Homeowners Associations (HOAs): Protection for non-residential community property, including buildings, fences, signs, pools, and other commonly owned association assets.
All in coverage available by endorsement, which provides additional coverage meant to include each specific unit owners’ fixtures, alterations, and additions.
Liability: Comprehensive coverage for homeowner associations (HOAs) with various amenities, including pools, lakes, golf courses, docks, beaches, clubhouses, and sports courts. Ability to include unit owners and property managers as additional insureds. Hired and non-owned automobile liability available in most states. Endorsements available for cyber liability and workers’ compensation. Umbrella limits up to $100 million
Crime/Dishonesty: Protection against theft or embezzlement of money, securities, and other property by employees. Coverage automatically extends to directors, officers, committee chairs, employees, and volunteers–no need to schedule individuals by name or position. Rated on the number of people authorized to handle funds. Limits up to $5 million.
Has pen.
Available Limits: Vary with type of coverage.
Carrier: Non-admitted. Rated A- by Demoteck, KBRA
States: Florida
Contact: Noah Budet, admin@communityassociationriskadvisors.com
Hard to Place Workers’ Comp
Market Details: PEO Emperor offers immediate access to the proprietary, captive workers’ compensation insurance. Will handle all workers’ comp claims, collaborate with team on-site safety, and work to reduce any claims related to on-site accidents, helping to save up to 20% on current expenses.
PEO Emperor leverages a captive workers’ comp program to immediately lower WC costs for employers. Targeted clients typically will have a rate of 8% or higher. Split workforce available.
When partnered with a contractor, PEO Emperor will take on the high-risk exposure, and they can keep the less risky stuff in-house. This creates a situation where there are less claims hitting their policy which will reduce their ex-mod and workers’ comp premium. For example, PEO Emperor will take on all the apprentices for a contractor because that is where typically most of the injuries come from.
Available Limits: Not disclosed.
Carrier: Not disclosed.
States: All 50 states the District of Columbia.
Contact: Nick Minetos, nick@peoemperor.net, 505-610-6885
Construction: Builder’s Risk, Casualty, and Excess Lines
Market Details: arqu is a wholesale brokerage built around a simple premise: experienced people and smart technology produce better outcomes. A team of former retail brokers works alongside data scientists and software engineers to change how deals get done, bringing together deep technical insurance expertise with advanced analytics and proprietary technology.
arqu’s lines of business include builder’s risk for commercial and residential projects, ground-up custom homes, renovation and remodel projects, rolling programs; casualty for GL, excess, umbrella for contractors across all major trade classes; and excess lines with layered capacity for hard-to-place and high-limit risks.
Target classes include owners/developers, general contractors, subcontractors and trades including: roofing, carpentry, homebuilders, landscaping, tree removal, painting, remodeling, concrete, excavation, electrical and HVAC.
arqu combines CAT analytics, demographic data, and crime data to strengthen every stage of the placement process from due diligence and risk assessment to carrier marketing and submission strategy. The result is sharper presentations, more engaged carriers, and higher conversion rates for retail producers.
Available Limits: $5 million maximum premium; $25,000 minimum premium
Carrier: Not disclosed.
States: All 50 states the District of Columbia.
Contact: Shawn Mitchell, construction@arqu.com, 917-686-2013
Motorcoach, School Bus, and Transit Bus
Market Details: Lancer Insurance provides motorcoach, school bus and transit bus, commercial automobile, garage, and general liability coverages to bus business owners.
Available Limits: Not disclosed.
Carrier: Admitted. Rated A by AM Best.
States: All 50 states the District of Columbia except Hawaii, Louisiana, Montana and West Virginia.
Contact: Elsa Piro, bus@lancerinsurance.com, 800-782-8902 x3264
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