General Contractors
Program Highlights
- Multiple Markets Available
- Low Minimum Premiums
- New Ventures Eligible
Top Classes Include:
- Paper Contractors Subcontracting 100%
- Commercial General Contractors
- Demolition Contractors
- Remodeling General Contractors
- Residential General Contractors
- Swimming Pool Contractors
Artisan Contractors
Program Highlights
- General Liability Coverage
- Multiple Markets Available
- Minimum Premiums Starting at $485
- New Ventures Eligible
Top Classes Include:
- Carpentry
- Concrete
- Drywall
- Electrical Work
- Excavation
- Fence Erection
- HVAC
- Insulation Work
- Janitorial
- Landscaping
- Masonry
- Painting
- Plastering or Stucco
- Plumbing
- Roofing
- Sandblasting
- Sheet Metal Work
- Sign Erection
- Tree Trimming
Inland Marine
Program Highlights
- Installation Floater
- Contractor’s Equipment & Tools
- Builder’s Risk
- Low Minimum Premiums
- New Ventures Eligible
Target Classes Include:
- Electrical Installation
- Interior Carpentry
- Siding Installation
- Drywall Installation
- Sheet Metal Work
- Commercial & Residential Janitorial
- Masonry
- Tile, Stone, Marble & Mosaic Work
- Landscape Gardening
- Plumbing
- Floor Covering Installation
- Interior Decorators
- Swimming Pool Installation
- Tree Trimming
Vacant Buildings
Targeting:
- Commercial and Residential Properties
- Condo Units
- Rental Space
- Special Form and Replacement Cost Coverage Considered
- No Length of Vacancy Restriction
- Locations Undergoing Renovation Considered
- Property Values up to $5 Million
Vacant Land
Program Highlights
- Targeting Vacant Land Exposures up to 1,000 Acres per Location
- No Length of Vacancy Restrictions
- Exposures with Lakes/Ponds on Premises Accepted
- General Liability Limits up to $1 Million / $3 Million
- Restricted: Structures on Premises and Construction/Other Activities
Rental Dwellings
Program Highlights
- Business owners’ package or monoline general liability coverage for owned and single or multi-family rental dwellings
- Single Locations or Schedules Accepted
- Special Cause of Loss & Replacement Cost Coverage Available
- Up to $1M TIV
- Limits up to $1M/$3M GL
- $485 Minimum Premium
Targeted Risks Include
- Single Family Dwellings
- Multi-family Dwellings with 4 Units or Less
- Single Residential Condo Units that are Owner Occupied
Lessor's Risk
Program Highlights
- Up to 10,000 Gross Floor Area
- Up to 2 Stories
- Up to $5 Million in Total Property Values
- Business Income Coverage Offered on Actual Loss Sustained Basis
- Up to $1 Million/$2 Million in General Liability Limits
- $5 Million Umbrella Coverage Available at a $500 per Million Dollar Layer
Targeted Risks Include
- Retail
- Service
- Contractors
- Office
- Apartment
- Other Low Hazard Tenants
Professional Liability
Program Highlights
- Errors & Omissions
- Directors & Officers
- Cyber Liability Package
- Management Liability
- Employment Practices Liability Insurance (EPLI)
Liquor Liability
Program Highlights
- No cap on alcohol sales
- Assault & battery included or available as a buyback
- Defense cost outside the limit
- Risks with security and major entertainment acceptable
- Liquor License Holder included as Additional Insured automatically
- Coverage available for licensed and unlicensed exposures
- Limits up to $1M/$2M with no sublimit
- $100K/$300K sublimit on adult clubs
Targeted Classes Include
- Restaurants
- Liquor Stores
- Adult/Gentleman’s Clubs
- Nightclubs
- Private Clubs
- Caterers/Bartending Service
- Bars
- Banquet Halls
- Wholesale Distributors
Environmental
Program Highlights
- General Liability
- Environmental Contractors Pollution Liability Coverage (CPL)
- Product Pollution Liability
- Pollution Legal Liability (PLL)
- Dry Cleaner Site Pollution
Targeted Classes Include
- Lead and asbestos abatement contractors
- Mold remediation contractors
- Industrial maintenance and cleaning contractors
- Environmental response, remediation, & restoration contractors
- Fire, smoke, water, & disaster response contractors
- Waterproofing contractors
- Pest control contractors
- Manufacturers and distributors of pest control chemicals
- Manufacturers and distributors of chemicals, coatings, fertilizer, fireworks, lubricants, oils, paints, soaps, etc
- Environmental products
- Fuel haulers and hazardous waste transportation
Hotel / Motel
All Lines Package Highlights
- A++ Admitted Market available
- Franchised or non-franchised
- Pools eligible
- Occupancy rate must be 45% or greater
- Wind/Hail coverage available
- New Ventures considered
- Replacement cost available
- Assault and battery liability available
- EPLI, Equipment breakdown, Employee theft/dishonesty, Flood and water damage, Hired and non-owned, Excess, and Business auto coverages all available
Workers’ Compensation Highlights
- 24 hour operations accepted
- Preferred rates available for risk with 3 years prior coverage
- New ventures and lapsed risks eligible
- Risks with losses or high mods considered
Entertainment
Program Highlights
- Commercial General Liability
- Up to $5M capacity, lower options available
- Hired and non-owned auto
- Per location aggregate endorsement
Target Classes
- Auditoriums & Theaters
- Axe Throwing
- Bowling Alleys
- Campgrounds & RV Parks
- Convention or Performing Arts Centers
- Country, Tennis, & Golf Clubs
- Escape Rooms
- Firearm Stores & Shooting Ranges
- Gyms & Fitness Centers
- Rage Rooms
- Zoos, Aquariums, & Museums
- Paintball & Laser Tag
- Race Tracks or ATV Parks
Non-Dealers Garage
Program Highlights
- Full Garage Liability for non-dealer service and repair operations with Garagekeepers coverages
- Occurrence basis of coverage
- Employee benefits liability
- Stop gap liability
- Minimum premiums starting at $1,500
- Deductibles starting at $500 for Covered autos, Other than covered autos, & Garagekeepers
Target Classes
- Alarm installation and repairs
- Automotive glass replacement & tinting
- Oil changes & lubrication
- Body & paint shops
- Construction & farm equipment services
- Dry-docked boat services
- Full-service car wash & car detailing
- Gas station with repair options
- General automotive repair & service
- Heavy truck service
- Mobile auto detailing
- Mobile mechanic & roadside assistance
- Valet parking on insured’s premises