KAIGLER & COMPANY

7028 Church Street East Brentwood, TN 37027

Phone: 888-468-2683 (Toll Free) Fax 615-376-0799

We support the local agent; no premium volume commitment required. You should consider us for:

NURSING HOME or related long-term care: Nursing Home and long-term care rates continue to drop like a stone. We wrote an account for several years at the $160,000 range. A couple years ago, we lost it at $110,000 - $120,000 range. We recently took it back at $75,000!

Nursing Home Excess Liability – Doing up to $25,000,000 excess now. We have not done excess before.

Home Health Care – This is the hottest thing we have going right now – 60% hit ratio!

Contractors – Don’t forget us on Construction accounts like:
Commercial GC’s (even if subbing out 100%) Communication Tower - $23K Custom Home Builders - $11K Electrical Contractor - $43K Fall Protection Systems - $52K Home Repair/Remodeling - $16K HVAC & Mechanical Contractors - $23K Gas/Oil Pipeline Construction - $213K Plumbing Contractors - $12K Roofing/Siding Contractor (Commercial) - $10K Water/Sewer Line - $16k	Boiler Inspection Services - $27K Concrete/Masonry - $16K Custom Home Builder - $9K Excavation/Grading - $16K Framing Contractor - $10K House Raising/Shoring/Foundation Repair - $4K Gas/Oil Services - $103K Land Developer - $16K Restoration-Remodeling Contractor - $45K Street/Road Contractor (TX) - $43K Many Other Classes – Call Us

Problem General Liability like: Products Liability; Habitational; Almost any Hard-To-Place GL. Good successes on Chemical Manufacturers - $81,208; Sleep Pillow Mfg - $11,000; Senior Apartments - $25,000; Equipment Rental/Sales - $62,500; State Fair - $126,000; Condominium Association - $3,000;

Professional Liability - One of our carriers is growing their Miscellaneous Professional/Miscellaneous Medical Professional of any type at more than 50% a year.

Alcohol/Drug Treatment - $13K

Commercial Building Inspector - $5K

Defendant Monitoring for Courts – $3K

General Dentistry (CA) - $10K

Industrial Equipment Certification - $2.5K

Insurance Agent - $7.5K

Non-Emergency Transport - $4K

Nursing Home Administrator - $5K

Property Appraiser - $4K

Temporary Staffing - $6K

Registered Nurse – $2.5K

Umbrella/Excess Liability: $2,500 minimum premium for the first $1,000,000 layer; $10,000,000 maximum limit; successes include Machinery Installation - $16K ; Water/Sewer Contactor - $10K; Roofer - $7K; Communications Tower Contractor - $14K; Non-Emergency Transport - $6K; Tool & Supply Rental - $25K; Chemical Manufacturer - $6K; Retirement Village - $8K.

Property: Problem Property shunned by markets such as Nursing Homes, Assisted Living Facilities, Boat Builders, Office Building Complexes, Hotels/Motels, Apartments, Shopping Centers, Strip Malls, Industrial

Trucking: Motor Truck Cargo and Commercial Auto Physical Damage (Sorry, No Market for Primary Auto Liability)

For further information contact dave@kaigler.com.