Mortgage Company E&O/Fidelity Bond
Nuts & Bolts: SUA Inc. has insurance packages for the mortgage industry covering both mortgage brokers and bankers. Coverages include professional liability, fidelity/crime bond, mortgage impairment and employment practices liability.
Dollars: $300,000 to $5 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Jonathan Free-burg at 312-345-1800 or e-mail jfreeburg@statesideunderwriting.com.
Outdoor Recreation and Hospitality
Nuts & Bolts: The Great Outdoors Insurance Program written by Gillingham & Associates provides comprehensive coverage for outdoor recreation and hospitality industries. Classes: Guest ranches, guides and outfitters, resorts, hunting and fishing lodges, RV parks and campgrounds, bed and breakfasts, hunting preserves, rod and gun clubs, equine exposures, hunting lease, snowmobile, and ATV operations, recreational equipment, rental operations, whitewater rafting operations up to Class IV only, jeep tours (GL only) and other types of outdoor recreation exposures.
Dollars: $300,000 to $1 million.
Carrier: Arch Insurance Group, rated “A-” by A.M. Best. Admitted.
States: All.
Contact: Tim Morgan at 303-657-5007 or e-mail tamorgan@outdoorinsurance.com.
EPLI for Hospitality
Nuts & Bolts: Travis-Pedersen & Associates Inc. is offering employment practices liability for the hospitality industry including restaurants, bars, hotels, etc. Coverage includes third-party and punitive damages. An industry report explaining the exposures faced and claims examples for restaurants/bars/hotels is available upon request.
Dollars: $250,000 to $5 million.
Carrier: Lloyds of London rated “A” by A.M. Best. Non-admitted.
States: All except Wyo. Del., N.H. and R.I.
Contact: Matthew Gervin at 312-279-3695 or e-mail mattg@travped.com.
Non-Profit D&O Liability
Nuts & Bolts: Great American Insurance Group has liability coverages for non-profits, including D&O, EPL, fiduciary, personal injury, publisher’s liability, and third party. Eligible classes include: Cemeteries, foundations, chambers of commerce, fraternal benefit groups (Kiwanis and similar), veterans groups, public communications, water supply districts, arts and museums, head starts, cooperatives, trade associations, social services, charitable organizations, youth organizations, clubs, and many other non-profit classes. Policy includes risk management consulting through a national law firm with free consultation.
Dollars: $500,000 to $10 million.
Carrier: Great American Insurance Group rated “A” by A. M. Best. Admitted.
States: All.
Contact: Nelson Kefauver at 847-330-6833 or e-mail nkefauver@gaic.com.
Mobile Home Parks
Nuts & Bolts: M. F. Irvine & Associates Inc. are the program administrators for a national program providing commercial package and commercial automobile liability policies for the manufactured home and mobile home park communities. CGL primary rating based on number of spaces. Optional coverages available under the CPP include, but are not limited to: employee dishonesty, crime, inland marine, business interruption/extra expense, hired/non owned automobile liability.
Dollars: $1 million to $2 million.
Carrier: State National Insurance Co. rated “A” VII by A.M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Colo., Fla.,, Ga., Idaho, Ill., Ind., Iowa, Kan., Ky., La., Md., Mich., Minn., Miss., Mo, Mont., N.V., N.J., N.M., N.Y., N.C., Ohio, Okla., Ore. Penn., S.C., Tenn., Texas, Utah, Va.,Wash., D.C., W.V.
Contact: Ed Johnston at 610-862-4380 or e-mail ejohnston@irvineandassociates.com.
HIPAA Liability /Medical
Nuts & Bolts: Insurebest.com is offering defense coverage for doctors, groups, medical professionals, employees who inadvertently release medical information in violation of the new HIPAA laws. Fines can reach $250,000, and certain intentional acts can be prosecuted criminally. Coverage is still being finalized to cover various aspects of this HIPAA Law.
Dollars: $300,000 to $1 million.
Carrier: Rated “A” by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Gary Kenoff at 800-425-7873 or e-mail gakfamily@aol.com.
Topics AM Best
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