New Markets

E&O Liability Product

Nuts & Bolts: Kansas City-based underwriting manager and claims administrator Euclid Managers LLC launched ProtoType, an insurance product for manufacturers. The product features errors and omissions, Web site protection, security coverage, copyright and trademark infringement, defamation, privacy and other personal injury protections. Coverage is targeted to a wide range of small- and mid-sized manufacturing risks, such as furniture, lumber products, plastics, basic materials for construction, hardware, electronics and many consumer products. ProtoType is designed to respond to claims for financial loss due to a mistake in the performance of covered services. The definition of services can include many activities such as design, development, manufacturing, marketing, installation and training. In addition, coverage is included for activities performed on the insured’s Web site. All underwriting and claims administration for ProtoType will be handled by Euclid Managers’ Kansas City office.

Dollars: Minimum premiums range from $1,500 to $2,500. Up to $5 million in limits are available and minimum deductibles are $2,500.

Carrier: Hudson Insurance Group rated “A” (excellent) XIV by A.M. Best, nonadmitted.

States Available: All except New Hampshire, Maine, Delaware and Connecticut.

Contact: Marcia Jenson, (816) 778-0713.

Customized Liability for Restaurants

Nuts & Bolts: Monitor Liability Managers Inc. released “Restaurant InsurePak,” a tailor-made employment practices liability program geared specifically for full-service restaurants, fast-food restaurants, cafeterias, food service contractors and vendors. The target market is small- to mid-size accounts ranging from five to 2,000 employees. Monitor Liability Managers Inc. is a wholly-owned subsidiary of W. R. Berkley Corporation operating nationally as an underwriting management company specializing in professional liability insurance.

Dollars: Limits of liability up to $5 million. Deductibles available from $2,500.

Carriers: Admiral Ins. Co. rated “A+” by Best, nonadmitted; Carolina Casualty Ins. Co., rated “A” by Best, admitted.

States Available: Available through Admiral in all states, some states may not be available through Carolina Casualty.

Contact: Lynette Lyngaas, (847) 806-6590, or www.monitorliability.com.

American Tribal Governments and Casinos

Nuts & Bolts: M.E. James Surplus Lines Ins. Agency writes a customized package for tribal governments and gaming operations, as well as operations supporting gaming enterprises, like hotels, daycare centers, gift shops, golf courses and convention centers. Available coverages include property, auto, law enforcement, liability, general liability, liquor liability, inland marine, umbrella and crime. Large deductibles, SIR and maximum retention plans are available.

Dollars: Premiums, limits and deductibles vary by policy.

Carrier: Rated “A” or greater, admitted.

State Available: California.

Contact: Dave Whittington, (800) 993-2393 ext. 111, or www.mejames.com.

To submit information for this department,
e-mail bwells@insurancejournal.com.

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