My New Markets

Nursing Home Liability
Nuts & Bolts: Quadrant Insurance Managers, a national management general agency, has expanded its nursing home liability product into Texas. This product offers professional and general liability coverage to Texas and Florida nursing homes (skilled nursing facilities); subacute care facilities; rehabilitation facilities; and intermediate or continuing care retirement communities. Premium financing is available to qualified Texas insureds. The nursing home liability product offers PL/GL coverage on a claims made policy. There is no limitation on the number of beds per location and no deductible. The product is available on a surplus lines basis.

Dollars: Up to $100,000 per claim; $100,000 aggregate.
Carrier: Rated “A-” VIII by A. M. Best. Non-admitted.
States: Texas, Florida.
Contact: Mark Harris at 614-841-1425 or e-mail mharris@quadrant-us.com.

Printers E&O
Nuts & Bolts: Insurebest.com is offering errors and omissions professional liability coverage for printers, graphic designers, advertising agencies, marketing companies, quick print stores, mailing stores, bindery, packaging and fulfillment companies, etc.

Dollars: $300,000 to $5 million.
Carrier: Utica National, rated “A” by A.M. Best. Admitted and non-admitted.
States: Conn., Del., Fla., Ill., Ind., Maine, Mass., Mich., Minn., N.H., N.J., N.Y., N.C., Ohio, Penn., R.I., Texas, Vt., Va. and D.C.
Contact: Insurebest, 800-425-7873, or info@insurebest.com.

Flood
Nuts & Bolts: Inter-national Excess is now offering flood insurance in excess of the National Flood Insurance Program for buildings, contents and loss of income.

Dollars: $15,000 to $15 million.
Carrier: Underwriters at Lloyds of London, rated “A” by A.M. Best. Non-admitted.
States: All except Alaska and Hawaii.
Contact: W. Flagg Pavlik at 800-937-3497, ext. 2089 or e-mail fpavlik@intlxs.com.

E&O for Public Entities
Nuts & Bolts:Darwin Professional Under-writers Inc. has available new, enhanced public entity errors and omissions liability insurance products, with policies to address professional liability risks for educators, police and public officials. Coverages are available on a surplus lines basis through Darwin Select Insurance Co. Limits of liability up to $5 million are available for public school districts (grades K-12), other educational entities, police departments, municipalities, and public entities/special service districts. These products include exclusive features such as defense expenses outside limits for all three segments (educators, police and public officials), broad employment practices liability (EPL) coverage to include third-party exposures (with coverage for emotional distress), non-monetary relief coverage, supplemental payments coverage, and other industry-specific coverage benefits.

Dollars: Up to $5 million
Carrier: Darwin Select Insurance Co., rated “A-” by A.M. Best. Non-admitted.
States: All.
Contact: Ned Daly at 800-586-6502 or e-mail ndaly@pgui.com.

Apartments, Habitational, Condominiums
Nuts & Bolts: A national program manager on behalf of United National Insurance Group is offering packages and mono-line general liability coverage for apartments, habitational, condominiums.

Dollars: Limits $3 million to $25 million. Deductible is $5,000; minimum premium, $15,000; maximum premium is $1 million. Minimum premium, GL, is $7,500.
Carrier: United National Group of Insurance Cos., rated “A” by A. M. Best. Admitted and non-admitted.
States: All except Alaska and Hawaii.
Contact: Steven Gross at 973-467-4467 or e-mail at sgross@metroins.com.

Jewelers Block
Nuts & Bolts: Dowell/IAS is offering coverage for jewelry trade including retail and wholesale operations, transit, premise and fidelity coverages. Coverages also applicable for fine arts and collectibles businesses.

Dollars: Varies.
Carrier: Lloyds of London, rated “A” by A.M. Best. Admitted and non-admitted.
States: Calif., N.J., N.Y., N.C., Penn., S.C., Texas.
Contact: Laurette A. Merusi at 201-794-7144 or e-mail lmerusi@dowellins.com.

Lawyers Professional Coverage
Nuts & Bolts: Shand Morahan & Company Inc., underwriting manager of Evanston Insurance Co., launched its revamped lawyers professional liability program, now called Designed Protection for Law Firms. Targeted to hard-to-place attorneys and law firms, it features a new, more competitive policy form and application, as well as the addition of three unique risk management enhancements. The risk management components are available free-of-charge to all Evanston policyholders.

Dollars: Up to $5 million.
Carrier: Evanston Insurance Company, rated “A” XII by A. M. Best. Non-admitted.
States: All.
Contact: Mark Henderson at 847-572-6187 or e-mail mhenderson@marketcorp.com.