My New Markets

Earthquake
Nuts and Bolts: Wholesale Connection Insurance Services, located in Woodland Hills, Calif., added a new carrier to its list of Earthquake markets in California.

Dollars: Capacity in zones A, B and E is $2,500,000 for primary and $5 million for excess. Capacity in all other zones is $5 million for primary or excess.
Carrier: Rockhill Insurance Co., rated “A-” by A.M. Best. Non-Admitted.
States: California.
Contact: Steve Stern at 818-251-3504 or e-mail sstern@wcis-ins.com.

Binding Authority
Nuts and Bolts: Wholesale Connection Insurance Services, located in Woodland Hills, Calif., was recently appointed to place commercial property, liability, and package business in California.

Dollars: In-house binding authority to $1million for property and $1 million/$2 million/$2 million for CGL. Higher limits are available.
Carrier: Scottsdale Insurance Co., rated “A+” by A.M. Best. Non-admitted.
States: California.
Contact: Susan Byrne at 818-251-3507 or e-mail sbyrne@wcis-ins.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 the Hospitality Industry
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 and is admitted in Illinois. An industry report specific to the hospitality industry that will explain 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.

Mortgage Company E&O/Fidelity Bond
Nuts & Bolts: SUA Inc .is offering packages of insurance for the mortgage industry covering both mortgage brokers and mortgage 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 Freeburg at 312-345-1800 or e-mail jfreeburg@statesideunderwriting.com.

Non-Profit D&O Liability
Nuts & Bolts: Great American Insurance Group is one of the largest writers of Non-Profit D&O in the U.S. Coverages can include 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 & museums, head starts, cooperatives, trade associations, social services, charitable organizations, youth organizations, clubs, and many other non-profit classes. Our policy includes risk management consulting through a national law firm with free employment practices 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.

Antique Home Insurance
Nuts & Bolts: MiddleOak is offering the insurance designed exclusively for antique homes. Comprehensive coverage (similar to a high value home policy) for pre-1930 homes with coverage at $250,000 – $5,000,000. Endorsed by a historical trust. Unlimited coverage includes: GRC, other structures, law and ordinance, additional living expense, water backup, debris removal, collapse and many more coverage enhancements.

Dollars: $250,000 to $5 million.
Carrier: MiddleOak rated “A+” by A.M. Best. Admitted.
States: Conn., Maine, Mass., N.H., N.Y., Penn., R.I., Vt.
Contact: Bill Hall at 860-638-5168 or e-mail bill.hall@middleoak.com.

Vacation Income Property
Nuts & Bolts: Middle Oak is offering insurance designed exclusively for vacation income property. What is covered: homes, condos, short term or year round rentals, owner use, two nights, seasonal etc. In the name of a trust, LLC, or business is not a problem. For vacation communities too: ski areas, beaches, lake communities, golf, mountain destinations, local attractions.

Dollars: $25,000 to $5 million.
Carrier: MiddleOak, rated “A+” by A.M. Best. Admitted.
States: Del., Maine, Md., Mass., Mich., N.H., Penn., Tenn., Vt., Va., Wis.
Contact: Bill Hall at 860-638-5168 or e-mail bill.hall@middleoak.com.

Long Haul Trucks
Nuts & Bolts: Swett & Crawford recently announced a new long haul, public and business auto program.

Dollars: $1 million to $2million.
States: Minn., N.D., S.D., Wis.
Carrier: Rated “A” by A.M. Best. Admitted.
Contact: Doug Falls at 612-333-0361 or e-mail doug.falls@swett.com.

Allied Medical Organizations PL/GL
Nuts & Bolts: Travis-Pedersen Associates, Inc. is now offering a policy that covers a broad range of medical malpractice and general liability exposures. Allied healthcare facilities are those businesses that provide medical services directly to a patient or client and are ancillary to physician and hospital care. Included in this group are home healthcare agencies, supplemental medical staffing, hospices, dialysis centers, medical testing laboratories, substance abuse rehabilitation and outpatient rehabilitation facilities for the impaired.

Dollars: $100,000 to $10 million.
Carrier: Rated “A” by A. M. Best. Admitted.
States: Ala., Ark., Ariz., Alaska, Calif., Colo., Conn., Fla., Ga., Hawaii, Idaho, Ill., Ind., Iowa, Kan., Ky., La., Maine, Md., Md., Mich., Minn., Miss., Mo., Mont., Neb., Nev., N.J., N.M., N.Y., N.C., N.D., Ohio, Okla., Ore., Penn., S.C., S.D., Tenn., Texas, Utah, Vt., Va., Wash., D.C., W.V., Wis.

Contact: Matthew Gervin at 312-279-3695 or e-mail mattg@travped.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., Nev., N.J., N.M., N.Y., N.C., Ohio, Okla., Ore. PA, SC, TN, TX, UT, VA, WA, DC, 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 California AM Best Maine