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Commercial General Liability: |
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Hundreds of classes are eligible within your binding authority or may be submitted to our office.
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- Mercantile Exposures: we write retail/wholesale stores, food distributors, restaurants, caterers and delicatessens, and beauty & barber shops.
- Building and Premise Exposures: we write lessors risk only, medical offices, schools, warehouses, theaters, parking facilities, clubs and vacant land.
- Habitational Exposures: we write everything from dwellings to apartments, homeowners and condo associations, and hotels/motels.
- Construction Exposures: we write most types of artisan contractors with gross annual receipts less than $2,500,000 and general contractors with gross annual receipts less than $5,000,000 (residential GC's building single family custom homes or 2-4 family dwellings and commercial GC's involved in office or mercantile buildings not exceeding four stories).
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Bar & Taverns: |
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We offer General Liability Coverage for bars, taverns, gentlemen's clubs and night clubs including those with live entertainment and dance floors. |
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Janitorial Services Product: |
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Our product is designed for firms that provide services at mercantile, office and residential properties, our Package includes coverage for General Liability, Property, Non-owned Auto, Property in Your Care, Lost Key Coverage and Commercial Umbrella. Coverage is also available for Independent Contractors contracted by our insured. |
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Child Care / Nursery Schools: |
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Our Day Care Product remains one of the broadest available. Designed to meet the coverage needs of commercial and residential day care centers, the product features General Liability, Professional Liability, Child Molestation Coverage with defense outside the limits to $1,000,000 as well as Medical Payments. Umbrella coverage is also available at limits up to $5,000,000 including coverage for Professional Liability. |
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Vacant Building Product: |
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We offer General Liability for vacant commercial and residential properties. The product is available with a 3, 6, 9 or 12 month policy term, has low minimum premiums and includes an optional limit up to $250,000 for renovations performed by independent contractors. Length of vacancy does not impact eligibility. Limits up to $5,000,000 are available. |
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Residential Condominium Unit Owners Product: |
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This product is designed for the individual or corporate investor who owns Residential Condominium Units for rental purposes. Timeshare and Seasonal Units are acceptable. Loss Assessment coverage is included at $2,500 per unit with a $25,000 aggregate. Optional coverages for Improvements & Betterments and Loss of Rents are available. |
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Premises Preferred Product: |
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This product is designed for those risks that only desire or need premises liability coverage - typically to meet landlord requirements. Common classes requiring such coverage include engineer's offices, taxi services, mortgage offices, freight forwarders and driving schools, etc. |
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Non-Profit Group Home Product: |
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Our product is designed for well managed, licensed group homes caring for mentally retarded or developmentally disabled clients who are ambulatory, and have self preservation skills. Coverage is available for General Liability, Professional Liability, Physical and Sexual Abuse, Non-Owned Auto, Medical Payments and Umbrella. |
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Exercise and Fitness Centers: |
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Our product is available for exercise facilities, fitness centers and gyms. Coverages include General Liability, Professional Liability, Physical and Sexual Abuse as well as an optional sub-limit for tanning beds. The product is currently available in most states. |
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| Excess Liability/Umbrella: |
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Commercial Umbrella: |
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Our Commercial Umbrella is the most flexible in the marketplace. Limits up to $5,000,000 are available on most classes and coverage can be written over any B+ or better rated carrier. Primary limits as low as $500,000 are required on low hazard classes. Eligible classes of business include all listed previously as well as artisan/trade contractors and general contractors meeting our underwriting guidelines. A monoline Comprehensive General Liability Coverage part is needed to qualify. Excess Commercial Umbrella is also available at attachment points up to $9,000,000. |
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Excess Commercial General Liability: |
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We write follow form Excess General Liability at a minimum attachment point of $250,000. $5,000,000 of capacity available for low hazard risks. |
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Excess Commercial Automobile Liability: |
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We provide a broad, competitive market for Excess Commercial Automobile Liability over a minimum attachment of $250/500/100 or $250,000 CSL on certain classes. Eligible vehicle classes include Private Passenger Autos, Light and Medium vehicles as well as Passenger Vans and Buses with seating capacities up to 20 people. |
