Bind Online
Quote and bind directly online through these carriers' platforms that you get immediate access through by working with Eastern Underwriting Managers.
Contact: Katelyn Martin • (865) 347-2220 Ext 110
Eastern is Licensed in all states EXCEPT: MA, MI, & NY
Check out our New Markets highlighted in red below!
BOP, GL, PL, & Workers' Compensation
Top Classes:
- Auto Services & Dealers
- Construction & Trade Contractors
- Health Care & Social Assistance
- Hospitality & Entertainment
- Restaurants & Taverns
- Retail/Wholesale Stores
- Landscaping & Farming
Available in all states Eastern is licensed (lines may vary)
Commercial Package (with optional Work Comp)
Top Classes:
- Hospitality (Hotels/Motels)
- Food & Beverage
- Cleaning & Janitorial
- Auto Services
- Professional & Personal Services
Types of Coverage: Auto, Business Liability, Cyber, Property, Work Comp
Available in: AZ, CA, CO, CT, GA, IL, IN, IA, KS, LA, MD, MO, NE, NV, NJ, NC, OH, OK, OR, PA, SC, TN, TX, UT, & WI
BOP, GL, PL, Property, & Inland Marine
Top Classes:
- Contractors
- Restaurants
- Retail
- Professional Services
Highlights:
- Bind up to $5m in revenue
- Over 1,300 professions
- 100% digital underwriting
- No additional docs needed
- Robust servicing capabilities
Available in all states Eastern is licensed
Restaurant and Beauty & Wellness BOP
Highlights:
- Ineligible: Nightclubs, Casinos, Mobile Food Vendors, Brew Pubs, Pool Halls, Bars/Taverns w/o Food, Adult Entertainment, & Hookah Bars.
- Up to 65% alcohol sales eligible (requires referral)
- New ventures with 3 years prior experience
- < 250 employees per location
Available in: AR, AZ, CA, CO, CT, GA, IA, IL, IN, MO, MN, NC, NJ, NM, NV, OK, OH, PA, SC, TN, TX, UT, VA, WI
E&S Comparative Rater
Lines: Builder's Risk, Cyber, Excess, GL, LRO, Package, Property, Wind
- Top Classes/LOBs: Contractors GL, Cyber, Excess Casualty, LRO: Cannabis/CBD Tenants, Manufacturing, Property, Restaurants/Bars/Taverns, Retail
- Highlights:
- Receive Quotes from up to 8-10 Markets
- Quote, Bind, Pay, Issue
- Extensive Eligible Class List
- Multiple Coverages
GL, Special Events, Non-Profit, Dwelling, Vacant, Umbrella/Excess
Phone Quote: 844-400-7804
Top Classes:
- Hospitality & Child Care
- Non-Profit & Special Events
- Restaurants
- Fitness Centers
- Available in all states Eastern is licensed
Landlord Insurance (DP1 & DP3)
Not available in CA, FL, KY, LA, & TX
- VRBOs, AirBnBs, Vacation Rentals, Tiny Homes, & Home Share all eligible
- Owner & Tenant Occupied accepted
- Enhanced coverages for short & long-term rentals
Workers' Compensation
Top Classes:
- Automotive
- Restaurant & Food Service
- Gas Station & Convenience
- Hotel & Hospitality
- Schools & Institutions
- Professional & Medical Services
Available in all non-monopolistic states Eastern is licensed
Builder's Risk, GL, LRO, Property, & Special Events
General Liability: GCs and Numerous Artisan Classes. See Appetite Guide for more details
Builder's Risk: See Appetite Guide for details
LRO: See Appetite Guide for details
Special Events: See Appetite Guide for details
Cannabis & Smoke Shops risk such as: Retailers & Dispensaries, Cultivators, Growers, Distributers & Manufacturers, Tobacco & smoke shops selling CBD/hemp
Cannabis & Smoke Shops Not available in: CA, LA, NC, SC
E&S Landlord Insurance
Offers landlord insurance for:
1-4 unit rental properties, condo units, townhomes, short-term rentals, vacant properties, and minor property renovations.
Highlights:
- No ineligibility on roofs
- No claim restrictions
- Cosmetic renovations only
- No manufactured homes
- $1.25M Max TIV
Available in ALL states except: CA, FL, NY, TX
Manufactured Home
Eligible Properties:
- Manufactured Homes, Park Models, Stationary Travel Trailers, Modular Homes, Tiny Homes, Accessory Dwelling Units.
Available Coverages:
- The Home, Belongings, Personal Liability, Loss of Use, Other Structures, Medical Payments to Other, and more.
Available in: AL, AZ, AR, GA, IL, IN. KS, MS, NM, OH, OK, SC, TN, TX
Dwelling & Manufactured Home
Dwelling Basic (DP1):
- Accept Owner-Occupied, Rental, Seasonal, & Vacant Occupancies built in 1900 or newer.
Manufactured Home:
- Covers Manufactured, Modular, Tiny Homes, and Permanently Sited Travel Trailers built in 1960 or newer.
- Accept Owner-Occupied, Rental, Seasonal, Tenant, and Vacant.
Available in AZ, IL, IN, MD, NC, NM, NV, OH, PA, TN, TX, VA, & WV
General Liability
Top Classes:
- Artisan, HVAC, & Window & Door Contractors, Remodelers, Janitorial Services, Amazon Sellers, Photographers
Highlights:
- Get instant access through Eastern
- New ventures accepted (no minimum experience), Unlimited subcontractors, Revenue up to $15M
- No Underwriting holds, bind online with direct bill
Available in AL, AR, CO, CT, FL, GA, IL, IN, IA, MO, MN, NC, NJ, OH, OK, PA, SC, TN, TX, WI, VA
Workers' Compensation
Top Classes:
- Artisan Contractors
- Beauty Shops
- Doctors & Dentists
- Grocery Stores
- Machine Shops - light metalworking
- Restaurants
- Retail/Wholesale Stores
Available in all non-monopolistic states Eastern is licensed
BOP
Top Classes:
- Convenience Stores
- Grocery Stores
- Furniture Stores
- Health & Beauty (Nail Salons & Barber Shops)
- Liquor Stores
Quick & Easy Quote to Bind Process
Coverages (vary by industry): GL, Property, Employee Benefits Liability, Professional, EPLI, HNOA, & Spoilage
Available in all states except: CA, FL, LA, NY, WA, SD, HI, AK
Commercial & Residential Flood
Eligible Properties:
- Residential, Commercial, Condos with minimum 4 stories & positively elevated A+V zones
Exclusions:
- Mobile Homes, Medical Equipment, Perishable Goods, & Properties in Emergency Program
Available in all states Eastern is licensed
Vacant Property
Coverage Options:
- Vacant Dwellings
- Vacant Commercial Buildings
- Renovations
- New Construction
- Landlord Insurance
- Short-term & Seasonal Homes
Available in all states Eastern is licensed
Commercial & Residential Flood
- Receive up to 8 quotes at once
- All Zones can be covered
- No EC required
- Limits up to $3M with excess options
- No waiting period
- Lender approved
- Eligible Risks:
- Primary Owner, Secondary, Seasonal or Tenant Occupied Residential
- Residential Condos - Low Rise Only
- Apartment Buildings
- Commercial Risks
Vacant & Under-Construction Property
Eligible Property Descriptions:
- Single-Family Dwellings
- Up to Four-Family
- No Age Restriction
- Fair or Average Condition & Better
Highlights:
- Value Range of $25k-$500K
- Named Perils or Open Perils with Exclusion
- Protection Classes 1-10
- 3, 6, and 12 month terms
Only available in TX (Can access with non-resident TX License)
Commercial Auto
- Available in: AZ, IL, IN, NM, TN, TX
- Top Classes: Contractors, Construction, Roofers, Food Delivery, Dry Cleaning, Funeral Services, Pest Control, Auto Repair, & more.
- Vehicle Types: Pickups, vans, minivans, sprinter vans, SUVs, & sedans.
Surety Bonds
Top Bonds:
- Contractor
- Motor Vehicle or Auto Dealer
- Freight Broker
- Retail & Service Industries
- Public Officials
- Medical Services
- Mortgage Brokers
- Marijuana/Cannabis Licenses
Available in all states Eastern is licensed
Personal Article Floater
Eligible Collections: Most considered other than standalone Jewelry & Vehicles
Comprehensive coverage includes (not limited to) accidental breakage, burglary, fire, flood, loss in mail, theft, natural disasters, and more.
Available in all states Eastern is licensed