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Workers’ Comp / Excess
Market Detail: Meadowbrook Insurance Group‘s offers workers’ comp and excess workers’ comp for specialty/niche programs. Phone inquiries and submissions are accepted as is brokered business (varies by program). The minimum premium and limits also vary by program.
Limits: Varies by Program.
Carrier: Star Insurance Co., Williamsburg National Insurance Co., Ameritrust Insurance Corp., Savers Property & Casualty, Century Surety Co., ProCentury Insurance Co.
Available limits: As needed.
States: All states except Calif. and D.C.
Contact: Customer service at 800-482-2726.

Pet Care Professionals
Market Detail: NIP Group LLC‘s PetPro program is an all-lines insurance program for virtually all pet care professionals, from medical to services to retail to pet welfare. Coverages include: professional liability; workers’ comp; GL; property; auto, inland marine/equipment; E&O; volunteers; animals under your care, and others.
Available limits: As needed.
Carrier: Unable to disclose, admitted.
States: All states except Alaska, Fla., Hawaii, La., Mass. N.Y., and Va.
Contact: Customer service at 800-446-7647.

Professional Healthcare Services
Market Detail: Prime Insurance Co.‘s provides coverage for adult day care, assisted living centers, home healthcare, cosmetic medicine and beautician risks, and nursing homes.
Available limits: As needed.
Carrier: Prime Insurance.
States: All states.
Contact: Barbara Malkowski at 800-456-4576 or email: barbaram@primeis.com.

Oil & Gas Risks
Market Detail: Empire Pacific Sovereign LLC covers the energy industry, including: oil and gas extraction; petroleum refining and related products; transportation services; pipelines, except natural gas; mining; wholesale: petroleum and petroleum products; industrial contractors. Coverage is also available for related/supporting industries and entities, such as: metal ores mining: iron, copper, lead, zinc, metal mining services; coal mining; mining non-metals: limestone, granite, sand and gravel, clay, potash; heavy construction: water, sewer and NOC (mining, utility, oil and petroleum, etc.); mining machinery and equipment; oil and gas field machinery; pumps and pumping equipment; transportation (trucking) and pipeline terminals; chemicals: alkalies, chlorine and industrial gases; nonferrous foundries (except aluminum); fuel dealers – retail; fuel oil dealers – retail; gasoline service stations; pipeline and power line inspection services; geophysical equipment repair; oilfield service contractors. Coverages include: property; general liability; commercial auto; workers’ compensation; workers’ compensation USL&H; umbrella; excess and marine.
Available limits: As needed.
Carrier: Unable to disclose, admitted.
States: All states.
Contact: Gary Hargis at 503-968-6300 or email: gary.hargis@empirepac.com.

Beauty Salons
Market Detail: American Team Managers Insurance Services Inc. has a packaged business policy for beauty/hair salons. In addition to representing 15 top carriers in the industry, American Team Managers has access to exclusive markets for work comp, contractors, and transportation coverage.
Available limits: As needed.
Carrier: Unable to disclose, admitted.
States: Ariz., Calif., Colo., Idaho, Mont. Nev., N.M., Ore., Texas, Utah, and Wyo.
Contact: Marty Martino at 714-414-1213 or e-mail mmartino@atminsurance.com.

Corn, Soybean, Cotton, Peanuts, Row Crop
Market Detail: Crop Insurance of America offers coverage for most all row crops, many levels, first levels, first time or experienced farm producers.
Available limits: As needed.
Carrier: Unable to disclose, admitted.
States: Ala., Alaska, Ga., Ind., Ky., La., Miss., N.C., Ohio, Okla., S.C., Tenn., Texas, and Va., and W.V.
Contact: Customer Service at 888-898-4236.

Social Clubs
Market Detail: RCA Insurance Group is an managing general agency with admitted and non-admitted markets available for most hospitality risks. Fine restaurants to 100 percent alcohol sales bars, including caterers and social/fraternal clubs can be covered. Available coverage includes: package policy, property, GL and liquor liability, with A&B available.
Available limits: As needed.
Carrier: Unable to disclose, non-admitted and admitted available.
States: Ariz., Calif., Colo., Conn., D.C., Dela., Fla., Ga., Ill., Ind., Ky., La., Maine, Mass., Md., Mich., Minn., N.C., Neb., N.H., N.J., N.Y., Ohio, Pa., R.I., S.C., Tenn., W.V. and Vt.
Contact: Michael Maher at 800-526-0147 or email: mmaher@rca-insurance.com.

Environmental Liability Insurance
Market Detail: Environmental Risk Managers Inc. has eRMI coverage including: environmental impairment liability coverage – site specific (EIL); products pollution; contractors pollution coverage (CPL); professional liability coverage (E&O); property transfer coverage; secured creditor coverage; surety; transportation pollution liability (TPL); umbrella/excess coverage including pollution; underground and above ground storage tanks (UST or AST); cleanup cost cap coverage; closure and post closure care insurance; and workers’ compensation. Additional services include: risk management; education and insurance strategies/consulting; environmental risk assessments; current coverage analysis with proper coverage recommendations; strategy sessions with agents and insured’s; and education via webinars, live seminars, and email environmental news updates.
Available limits: As needed.
Carrier: Unable to disclose.
States: All states except Calif. and D.C.
Contact: Customer service at 231-256-2122.

Security Guards
Market Detail: The Harry W. Gorst Co. covers security guard and patrol agencies (including off-duty police officers) providing armed or unarmed security personnel. Coverage also available for canine security providers (except bomb and weapons detection); fire arms training or certification schools; and detective and private investigator services providing armed and unarmed services. A sublimit of $100,000/$300,000 for assault & battery is included. CGL can be extended to include $10,000 lost key coverage; $25,000 for PD to personal property of others in your C,C,C., and errors & omissions liability.
Available limits: Minimum $300,000.
Carrier: Unable to disclose, non-admitted.
States: Calif. only.
Contact: Eirik Fulton at 800-437-661, ext. 156 or email: efulton@gorst.com.