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Commercial Protector – BOP
Market Detail: Colorado Casualty‘s Commercial Protector package product provides broad property and liability coverage in a single policy for small business accounts with receipts up to $8.5 million per location. Popular endorsements include property extension, liability extension, and employment practices liability. The Commercial Protector Series is part of Colorado Casualty’s portfolio of commercial lines products for small to mid-sized businesses, providing coverage for more than 1,100 classes. Custom Protector is available to small to mid-sized businesses with receipts up to $15 million per location. It offers more built-in coverages and expanded eligibility.
Available limits: Minimum $5 million.
Carrier: Lloyd’s – Beazley Syndicates 623/2623.
States: Nev., Ariz., N.M., Colo., Wyo., and Utah.
Contact: Christopher Goetchus at 774-279-5923 or e-mail: christopher.goetchus@coloradocasualty.com.
Environmental/Pollution Liability
Market Detail: Veracity Insurance Solutions LLC provides several options for environmental/pollution insurance. An accidental discharge of a substance contaminating soil, water or the atmosphere can be financially devastating to any business if not properly covered. Pollution legal liability will pay for damages that a business will be legally obligated to pay as a result from: pollution emanating from its location; remediation expenses for pollution emanating outside of a property’s boundaries; legal defense expenses in connection with remediation expenses. Veracity specializes in the following environmental areas: environmental consultants & laboratories; contractors; mold-related pollution; monoline contractors pollution; restoration & mold contractors; site specific pollution; transportation pollution; umbrella/excess liability; and waste facilities pollution liability.
Available limits: Minimum $1 million, maximum $5 million.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states.
Contact: Customer service at 866-395-1308.
Technology Sector
Market Detail: FirsTier General Agency offers property, GL, worker’s compensation, E&O and umbrella coverages. Coverage is available for a range of companies from computer components & peripherals to industrial electronics, telecommunications, instrument and measuring equipment and medical technology. Many classes of business can be quoted within 24 hours.
Available limits: Minimum $1 million; maximum $10 million.
Carrier: Travelers.
States: All states.
Contact: Gary Rimler at 702-853-1571 or e-mail: gary.rimler@firstierga.com.
Homeowners
Market Detail: Lighthouse Property Insurance Corp.‘s homeowners policy covers loss or damage to dwellings and contents, including those resulting from a hurricane, fire, lightning, windstorm, hail, explosion smoke, vandalism, and theft. It also covers increased living expenses in the event a home is damaged after a loss and can’t be lived in. The homeowner’s policy also includes personal liability coverage with compensation for judgments, legal expenses, and medical costs when a homeowner is found liable for damages.
Available limits: As needed.
Carrier: Lighthouse Property Insurance Corp.
States: La. and S.C.
Contact: Customer service at 888-544-4885.
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