Brokerage

CONSTRUCTION

• Blasters
• Bridge Contractors
• Crane Rental
• Demolition Contractors
• EIFS Contractors
• Fire Suppression
• Grading Contractors
• Janitorial Contractors
• Painting Contractors
• Project-Specific Up to 36-month terms
• Residential & Commercial Construction
• Rigging & Millwright Contractors
• Roofers
• Scaffolding Contractors
• Street & Road Construction
• All Other Contracting Classes

ENERGY

• Drilling Contractors
• Oil Field Equipment
• Oil Field Lease Operators
• Oil Field Site Prep
• Oil Pipeline Construction
• Oil Well Cementing
• Welding Contractor
• Well Site Supervision and Consulting

ENVIRONMENTAL

• Asbestos Remediation
• Enviro. Contractors Incl. Pollution Liability
• Mold/Water/Fire Remediation

PRODUCT LIABILITY

• Automotive Parts & Accessories
• Chemical
• Consumer Goods
• Cosmetics
• Distributors
• Foreign Made Products
• Food & Beverage
• Manufacturers
• Marine Products
• Medical Related
• Sporting Goods

HABITATIONAL

• Apartment Schedules Incl. A&B Coverage
• Condo Associations
• Forced Placement REO Schedules
• Lessors Risk

MISCELLANEOUS

• Alarm Installation & Monitoring
• Auto Buffers
• Discontinued Products Coverage
• Product Recall
• Warranty

HOSPITALITY

• Amusement Centers & Parks
• Bars, including Liquor Liability
• Gentlemen’s Clubs Incl. Liquor Liability
• Go Kart Facilities
• Hotels/Motels
• Indoor Trampoline Parks
• Inflatable Bounce House
• Laser Tag
• Night Clubs, including Liquor Liability
• Restaurants, including Liquor
• Taverns, including Liquor Liability

MANUFACTURING

• BBQ & Grill Manufacturers
• Children's Clothing Manufacturers
• Children's Toys
• Firearm Components
• Invasive Medical Products
• Nutraceuticals
• Paint Manufacturers
• Pesticide Manufacturers
• Pharmaceuticals
• Playground Equipment Manufacturers
• Scaffolding Manufacturers
• Sporting Goods
• Trailer Manufacturers
• Wood Products Manufacturers

TARGET CLASSES

• Bars / Nightclubs
• Beauty / Barber Shops
• Bed & Breakfasts
• Coastal and Non Coastal
• Condominiums
• Convenience Stores
• Daycare Centers
• Distributors
• Dwellings
• Grocery Stores
• Habitational
  • Apartments
  • Condominiums
  • Condotels
  • Multi Use
  • Subsidized / Affordable / Government Housing
• Halls / Caterers
• Healthcare
  • Assisted Living Facilities
  • Hospitals
  • Nursing Homes
  • Retirement Communities
• Hotel/Motel
• Houses of Worship (churches, monasteries, mosques, etc.)
• Lessors Risk
• Manufacturing
• Multi-State Programs
• Municipalities
• Offices
• Public Entities
• Real Estate
• Restaurants
• Retail
• School Districts
• Self Storage/Cloud Storage Facilities
• Shopping Centers
• Vacant Buildings
• Warehouses

COVERAGE AND EXPERTISE

• Catastrophe Driven Property
• Deductible Buy Backs
  • AOP
  • Earthquake
  • Flood
  • Named Storm
  • Wind
• Difference in Conditions
• Stand Alone Land
  • Improvements / Outdoor
  • Property Coverage
• Wind: Tier 1 and Tier 2

INLAND MARINE

• Equipment
• Motor Truck Cargo
• Installation
• Warehouse Legal

COVERAGE HIGHLIGHTS AND AVAILABLE LIABILITY

• Garage Operations (Dealer or Service)
• Garage Liability up to $1Million /$1Million /$3Million
• Medical Payments for Premises, Auto or Combined

GARAGEKEEPERS COVERAGE

• Direct Primary Liability
• Direct Excess Liability
• Deductibles Start at $500/$2,500
• Legal Liability

DEALERS PHYSICAL DAMAGE

• Specified Perils, Comprehensive, Collision Coverages Available
• Dealers Drive Away Collision Included when Blanket Collision Coverage is written

OPTIONAL COVERAGES AVAILABLE

• Broadened Coverages
• Dealer Plates
• Fire Legal Liability
• Furnished Auto Exposure
• In-Tow
• Owners of Garage Locations
• Personal Injury Liability
• Transporter Plates

SAMPLE CLASSES OF BUSINESS

• ATV, Dirt Bike, Jet Ski and Snowmobile Sales & Repair
• Antique / Classic Auto Sales & Repair
• Auto Alarm / Stereo Installation
• Auto Dealers – Used Autos
• Auto Maintenance, Repair & Service
• Bed Liner Installation
• Boat Dealers & Repair
• Body & Paint Shop
• Car Wash – Full Service
• Contractors / Construction Equipment Sales & Repair
• Dealers – Used Autos
• Detailing
• Emergency Vehicle Sales & Repair
• Farm Tractor / Implement Sales & Repair
• Frame Straightening
• Golf Cart Dealers & Repair
• Heavy Truck Dealers & Repair
• Mobile Service & Repair
• Motorcycle Sales & Repair
• Oil / Lube Shop
• Recreational Vehicle Sales & Repair
• Roadside Assistance
• Salvage Yard / Auto Dismantling
• Tire Sales & Repair – New & Used
• Trailer Sales & Repair
• Upholstery
• Valet Parking
• Window Tinting

SPECIALIZATIONS

• Construction
• Manufacturing
• Real Estate
• Public Entity
• Higher Education
• Hospitality
• Importers
• Products
• Environmental
• Sports Venues
• Transportation
• Energy
• Bar/Tavern & Restaurants
• and more

COVERAGE HIGHLIGHTS AND AVAILABILITY

• Capacity up to $500 Million
• Admitted & Non-Admitted Markets
• Low Minimum Premiums
• National Availability
• Competitive Commissions
• UNDERLYING REQUIREMENTS
  • $1/$2/$1M GL Limits
  • $1M CSL Auto Limits
  • $500/$500/$500 Work Comp Limits

SAMPLE EXCESS/UMBRELLA CLASSES CONSTRUCTION & CONTRACTORS

• Bridge Builders
• Demolition & Blasting
• Exterior Insulation & Finishing Systems (EIFS) Contractors
• Crane & Rigging
• Fire Suppression
• Roofers and Framers
• Residential Homebuilders
• Wrap-Ups and Project-Specific Programs
• Steel and Scaffolding Erectors
• Street and Road

PREMISES LIABILITY

• Apartment Owners & Managers
• Bowling Alleys
• Bars & Taverns
• Hotels & Motels
• Recycling Facilities
• Churches & Schools
• Amusement Parks

MANUFACTURING

• Auto Parks
• Children’s Toys
• Chemicals
• Medical Products
• Industrial Machinery
• Motorcycles
• Playground Equipment
• Sporting Goods/Athletic/Recreational Products
• Tanks Manufacturer
• Wood Chipping Machines
• Life Sciences (including Vitamins & Supplements)

MISCELLANEOUS

• Trucking Firms
• Bus Operators
• Security Guard Firms
• Ready Mix Operators
• Mud Runs

and many more!