CPP – Main Street Businesses
Market Detail: Lancer Indemnity Co.’s (www.lancerinsurance.com) program targets small- to medium-sized main street businesses such as restaurants, retail/wholesale, real estate, mixed-use, manufacturing and offices in urban and suburban settings. Marketed through independent brokers.
Available limits: Minimum $50,000, minimum $1 million
Carrier: Lancer Indemnity Co.
States: Conn., N.J., and N.Y.
Contact: Robert Boyle at 516-825-2800 or email: rboyle@—–lancerinsurance.com
Fast Food Restaurants
Market Detail: Braishfield Associates, Inc. (www.braishfield.com) offers fidelity, business income, commercial general liability, workers’ comp, spoilage, property, umbrella, employment practices liability (EPLI), food spoilage, real and business personal property, and food borne illness coverages.
Available limits: As needed
Carrier: Unable to disclose, admitted and nonadmitted
States: All states
Contact: Customer service at 888-335-6616
Emergency Service Organizations
Market Detail: VFIS (www.vfis.com) provides insurance, education and consulting services to emergency service organizations. Coverage includes accident and health, commercial auto, crime, errors and omissions (E&O), excess liability, general liability, medical malpractice, portable equipment and property.
Available limits: As needed
Carrier: Unable to disclose, admitted
States: All states
Contact: Customer service at 800-233-1957
Excess Follow Form Policy
Market Detail: ThinkRisk Underwriting (www.thinkriskins.com) agency offers excess coverage for media, technology, advertising, miscellaneous professional liability, privacy and network security risks.
Available limits: Minimum $1 million, maximum $10 million
Carrier: Great American Insurance Group
States: All states
Contact: Customer service at 646-612-7808
Vape, Smoke Shop and E-cig Product Liability
Market Detail: Professional Program Insurance Brokerage’s (www.ppibcorp.com) program includes: cigarette and cigar shops; e-juice manufacturers; paraphernalia stores; e-cig and vape shops; hookah lounges (no night clubs); and smoke shops. Coverage available to facilities, importers, and distributors, and includes products liability; general liability; medical payments; fire legal liability; optional cyber protection and for worldwide coverage for lawsuits brought outside the United States. Property coverage available for the building; business personal property; business income and extra expense.
Available limits: As needed
Carrier: Unable to disclose, nonadmitted
States: All states
Contact: Susan Etter at 415-475-4300 or email: info@ppibcorp.com
Residential and Commercial Contractors
Market Detail: Nautilus Insurance Co. & Great Divide Insurance Co. (nautilusinsgroup.com/find-an-agent) has a new program for residential and commercial contractors. Coverage includes blanket additional insured; per project aggregate, and $10 million excess limits.
Available limits: As needed
Carrier: Nautilus
States: All states except Colo., and N.Y.
Contact: Tom Pytel at 480-367-5453 or email: tpytel@nautilus-ins.com
Special Events
Market Detail: Insurance Noodle’s (www.insurancenoodle.com) special events protection is designed to cover general liability and liquor liability at short-term events. Ideal risks include conventions/trade shows; one-day events; parties/social events; picnics and vendor booths; and weddings.
Available limits: As needed
Carrier: Unable to disclose, admitted and nonadmitted
States: All states except Alaska, Fla., and La.
Contact: Customer service at 888-466-8868
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