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School Districts
Market Detail: offers options for hard-to-place property risks.
Available limits: Minimum $100,000, maximum $5 million.
Carrier: Unable to disclose.
States: All states.
Contact: Customer service at 888-884-1900.
Condo Associations
Market Detail: coverage includes: boiler & machinery; commercial excess; environmental liability; equipment breakdown; and umbrella.
Available limits: As needed.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states.
Contact: Customer service at 888-548-2465.
Earthquake – Commercial
Market Detail: Earthquake coverage is being offered exclusively to IIABCal members. New and renewal business is eligible with limits of $2.5 million per location and per insured. Age limitation for wood frame construction is 1960 and newer (effective March 1, 2008). Age limitation for HCB & tilt-up construction class is 1974.
Available limits: As needed.
Carrier: Markel.
States: Calif. only.
Contact: Customer service at 800-772-8998.
Bed & Breakfasts, Caterers, Wineries/Microbreweries
Market Detail: offers property, inland marine, equipment breakdown, general liability, garage liability, physical damage, identity theft, crime, employment practices liability, and incidental professional coverages. Coverage can be offered on a monoline, package, BOP, or master-policy basis, and on a regional or national nonadmitted basis in all states, with admitted paper available in some states. Western Heritage works with program managers who are industry experts in writing, quoting and binding business.
Available limits: As needed.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states.
Contact: Kathy Szur at 480-596-7809 or email: szurk1@westernheritageins.com.
Abortion Clinics
Market Detail: specializes in medical liability protection for physicians, surgeons, dentists, podiatrists and other medical professionals who have difficulty finding coverage within the standard markets, who have been denied coverage, or whose policies have been nonrenewed or canceled. Coverage options are available for those whose histories include claims, licensing actions, board sanctions, and a variety of other underwriting issues.
Available limits: As needed.
Carrier: The Doctors Co.
States: All states.
Contact: Cheri Priddy at 310-492-4927 or email: cpriddy@thedoctors.com.
Wind Deductible Buy Backs
Market Detail: has multiple markets that provide competitive wind deductible buy-back policies (WDBB) to lower the percentage of flat-dollar deductibles the insured would otherwise be responsible for in the event of a wind-related claim. Any class of business, location, limit and type of construction can be considered at competitive rates. Coverage is available for residential and commercial property, as well as property in the course of construction. WDBB policies are typically written as annual terms and run concurrent with the overlying property policy. Also ask about coastal property alternatives for clients, including monoline wind/hail.
Available limits: As needed.
Carrier: Unable to disclose.
States: All states except D.C., Maine, R.I., S.D., and Vt.
Contact: Lamar Andrews at 205-332-8117 or email: landrews@comsectorins.com.
Dealer and Transporter Plates
Market Detail: offers commercial auto coverages for local and intermediate trucks, delivery vans, tow trucks, dump trucks, contractors’ vehicles, household movers and most other classes of commercial auto. Garage coverages for dealer and transporter plates, used car dealers, repair shops, tire sale shops, service stations, parking lots and garages, and roadside repair and service businesses are also available.
Available limits: Minimum $60,000, maximum $1 million.
Carrier: Unable to disclose, admitted.
States: Conn., N.Y., and Pa.
Contact: Steve Shapiro at 516-431-9191 or email: sshapiro@lancerinsurance.com.
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