Coverage Highlights

Coverage available

Statutory

Coverage notes

Monoline workers’ comp for policies targeting policies with less than $15,000 in premium

Larger policies on an account-by-account basis

Coverages not included

• United States longshoremen and harbor workers’ compensation coverage (exposure less than 10 percent may be considered on an individual basis)
• Voluntary compensation coverage
• Stop-gap coverage

Optional coverage available

Increased employers’ liability limits

Coverage Amounts

Minimum policy premium

Varies by state and classes

Appetite & Availability

Targeted classes

• Restaurants
• Service stations
• Printers
• Gasoline retailers
• Personal care homes
• Machine shops
• School bus contractors
• Grocery stores
• Janitorial
• Hotels/motels
• Exterminators
• Hardware stores
• Country clubs
• Oil and gas contractors
• Retail stores
• Pharmacies
• Marinas

Excluded classes

• Applications requesting coverage for only corporate officers or owners
• Seasonal or part-time operations where the payroll is inadequate for the number of employees
• Risks where the majority of the employees are family members
• Risks with substantial travel exposure
• Risks with out-of-state employees
• Bars, taverns and nightclubs

Geographic availability

United States

Geographic availability notes

Delaware, Indiana, Maryland, North Carolina, Pennsylvania, Virginia

Additional Information

Distribution

Partnering with agents/brokers