Coverage Highlights

Basis of coverage

Liability

• Occurrence

Property

• Basic, broad, special or special with theft
• Wind and hail availability subject to guidelines

Coverage available

Commercial Inland Marine

• Accounts receivable
• Bailee’s
• Contractor’s equipment
• Electronic data processing/computer systems
• Installation floater
• Miscellaneous articles’ floater
• Valuable papers

Cyber

Cyber Suite includes:

• Data Compromise Assistance: Provides coverage and assists the business owner in responding to a breach impacting customers’ and employees’ personal information.
• Cyber Liability (Cyber One): Reacts when the business operational data and/or systems are damaged by an attack that necessitates recreation or restoration of business information.
• Identity Recovery Insurance: Protects and assists the business owner in recovering their identity and credit history to pre-theft status.

Farm and Ranch Liability and Property

General liability including these options:

• Additional insured’s – wide variety options including A.I.’s with products/completed operations
• Employee benefits liability
• High limits general liability
• Hired and non-owned auto
• Liquor liability
• OCP
• Stop gap liability

Property including these options:

• Building ordinance or law
• Business income
• Coverage enhancements via gold, silver and bronze paks offer a broad variety of coverage enhancements for everything from fine arts and personal effects to lock and key replacement or tenant glass.
• Crime
• Equipment breakdown
• Food spoilage
• Gasoline pumps and canopies
• Gold, silver and bronze pak property endorsements offer a broad variety of coverage enhancements for everything from fine arts and personal effects to lock and key replacement or tenant glass.
• Signs
• Vacant or seasonal
• Water backup and sump overflow

Coverage Amounts

Minimum policy deductible

Property and inland marine deductibles start at $500 in most cases

Coverage Limits

Limits up to:

• $2 million general aggregate
• $2 million products aggregate
• $1 million occurrence

High Limit General Liability (HLGL):

• Up to five additional layers available subject to guidelines
• One layer equals an additional $1 million

Property:

• Up to $5 million TIV

Appetite & Availability

Targeted classes

Accommodations (hotel, motel, B&B) and food service including restaurants

Arts and entertainment – camps – clubs – exercise – recreation – special events

Communication – information – media – technology

Construction/contractors:

• Artisan contractors
• General contractors
• Commercial – new, ground-up construction and/or additions, remodeling, repairing, servicing
• Custom home builders – up to six new, ground-up units annually
• Residential – additions, remodeling, repairing, servicing
• Computer tech
• Demolition
• Garbage collection
• Owners and Contractors Protective (OCP)
• Pest control
• Recycling centers
• Roofers (residential or commercial)
• Swimming pool contractors
• Swimming pool maintenance
• Truckers GL

Farm and ranch:

• Full ISO program with options unique to Excess & Surplus Lines

Habitational:

• Homeowner associations
• Lessors risk only
• Mobile home parks
• Office
• Real estate
• Vacant

Institutions:

• Churches
• Day cares
• Education/schools

Janitorial:

• Cleanup
• Salvage
• Secondhand
• Waste

Landscape:

• Forestry
• Landscaping
• Pest control
• Snow removal
• Tree trimming

Manufacturing

Mercantile:

• Bakeries
• Beauty and barber shops
• Car washes
• Convenience stores
• Distributors
• Flea markets and push-cart vendors
• Laundries and dry cleaners
• Tanning salons
• Temporary employment agencies

Rental operations

Retail – wholesale

Service risks

Transportation – warehousing

Excluded classes

Liability:

• Aircraft, aircraft parts, airports, flight operations, spacecraft, spacecraft components
• Ammunitions, ammonium nitrate, blasting, explosives, fireworks, nitrates, pyrotechnics
• Amusement parks/devices, midway rides, carnivals, circuses, motor sport events
• Bars, taverns and nightclubs
• Chemical manufacturing, blending and/or the wholesale distribution of
• Dietary supplement, drug, pharmaceutical, scalp, or vitamin manufacturing
• Governmental bodies
• Marine exposures such as:
  • Cleaning, demolition/wrecking, installation, maintenance, navigation, repair and/or service of vessels or barges
  • Offshore operations/exposures of any type
• Mining or quarrying operations
• Motion picture production
• Natural or artificial fuel gas, butane, gasoline, fuel oils, liquefied petroleum gases, propane. Acceptable exposures include wholesale distribution of gasoline and/or fuel oils within a 50-mile radius; storage of gas and/or fuel oils up to a combined total capacity of 75,000 gallons and/or retail service stations
• Public utility companies
• Railroad exposures, though sidetrack agreements are acceptable
• Submarine exposures
• Underground construction such as tunnel or subway-related work

Property:

• Art galleries and/or fine arts
• Aviation
• Bars, taverns and nightclubs
• Bridges or tunnels
• Greenhouses
• Growing or standing crops
• Mobile homes (except for farm/ranch type risks)
• Motor truck cargo
• Ocean marine
• Offshore property
• Radio or TV towers exceeding 72 feet in height
• Railroad property

Geographic availability

United States