Binding Authority: Contract Property and Casualty

Our contract binding property and casualty division targets general liability and property.

Risks are usually premises driven, but may contain some light to medium hazardous products/completed operations exposures. New ventures are typically acceptable. Our broad appetite extends to more than 75 percent of all available ISO classifications.

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

Additional Information

Distribution

Exclusive to appointed general agents

Applications

ACORD applications may require an additional supplemental application depending on the type of business.

Farm and ranch applications required for farm/ranch exposures.

Supplemental applications – see binding applications

Contact

Ray Hall

VP – Head of Contract P&C

480-889- 5653

Mallorie Harper

Assistant Vice President, Marketing & Producer Management

832-996-4986

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