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.
Nightclubs
Nuts & Bolts: Sierra Underwriters Inc. is offering coverage for sports bars, cafes, restaurants, taverns, BYOB restaurants including commercial general liability, liquor liability and property/contents coverage.
Dollars: $1 million/$2 million.
Carrier: Rated “A” by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Brian Boneck at 702-564-1927 or e-mail bboneck@sierraunderwriters.com.
Medispa & Ambulatory Surgery Centers
Nuts & Bolts: Apogee Insurance Group is now offering coverage for ambulatory surgery centers and entity coverage for the following facilities: orthopedics, cosmetic surgery, gynecology, oral surgery, urology, general surgery and others. Medispa procedures covered include injectibles such as botox, as well as chemical peels, microdermabrasion and others. Bodily injury coverage includes physical injury, sickness, disease, mental anguish or emotional distress. Innocent principal coverage available. Professional incident definition broadened to include persons acting under control, directions or supervision of an insured. Occurrence GL coverage available with $1 million/$1 million limits starting at a $2,500 additional premium. Coverage for medical director can be included. Medical malpractice for doctors not available.
Dollars: $250,000 to $5 million.
Carrier: Rated “A+” by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Greg Barber at 610-337-3200, ext. 30 or e-mail gbarber@apogeeinsgroup.com.
Home Inspectors
Nuts & Bolts: Legends Environmental Insurance has introduced a Home Inspector Professional Liability policy that protects against third-party claims resulting from specified professional services rendered by the policyholder. Mold coverage also available.
Dollars: Up to $2 million.
Carrier: Rated “A” by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Brian McFarland at 888-261-9298 or e-mail brianm@legends-enviro.com.
Neutraceuticals
Nuts & Bolts: MarketScout is offering commercial general liability or products on a claims made basis, defense inside the limits. Target risks include accounts with 20 or fewer products, new ventures and importers. Herbals, botanicals, vitamins, minerals, enzymes, and extracts for human and animal consumption. Program includes some products for weight gain/ loss and sexual performance.
Dollars: $1 million/$2 million.
Carrier: Rated “A++” by A.M. Best. Admitted.
States: All.
Contact: John Gaskill at 972-934-4212 or e-mail jgaskill@marketscout.com.
Lawyers Professional Liability
Nuts & Bolts: Professional services include escrow services, title agent, arbitrator and/or mediator. Coverage extends to past, present and future members and employees of the firm; heirs, executors and administrators of insureds. Claim includes civil, criminal, administrative or arbitration proceedings. No retention for disciplinary and grievance proceedings. Deductibles start at $1,000. Defense provided for claims alleging dishonest, fraudulent, criminal or malicious acts of omissions. Innocent partner protection. Coverage provided for reasonable legal fees and expenses for the investigation of or defense in a state licensing board proceeding.
Dollars: Up to $25 million.
Carrier: Rated “A” by A.M. Best. Admitted and non-admitted.
States: All, except Alaska and Hawaii.
Contact: Damien Magnuson at 310-444-9333 at ext. 145 or e-mail damienm@eperils.com.
Employment Practices
Nuts & Bolts: International Excess Agency Inc. suggests that companies provide the number of employees, class of business and loss history and they will provide an indication of the types of risks that can be handled. Employee manual not required. Defense outside the limits available. Third party liability also available.
Dollars: $100,000 up to $5 million.
Carrier: USLI rated “A+++” by A.M. Best. Admitted and non-admitted.
States: All, except Alaska.
Contact: Kenneth Kukral at: 216-797-9700 or e-mail Ken@internationalexcess.com.
Alarm Contractors
Nuts & Bolts: The Brownyard Group offers specialty coverage for alarm installation firms, alarm monitoring services, burglar alarm liability, burglar fire alarm safety. Written with a non-admitted carrier.
Dollars: Up to $1 million.
Carrier: Arch Specialty Insurance Co. rated “A” by A.M. Best. Non-admitted.
States: All, except Wyo., Wisc. and Neb.
Contact: Torrence Brownyard at 800-645-5820 or e-mail tbrownyard@brownyard.com.
Jet Ski Insurance
Nuts & Bolts: Midlands Management Corp. specializes in jet skis and personal watercraft. Midlands has the ability write up to two jet skis or personal watercraft per policy. Low minimum premiums and no age restrictions but subject to full underwriting and a complete submission. Premiums as low as $65.
Dollars: Up to $500,000
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Brandon Davis at 800-800-4007 or e-mail bsdavis@midman.com.
Mobile Home Parks
Nuts & Bolts: M. F. Irvine & Associates Inc. administers a national program providing commercial package and commercial automobile liability policies for 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 auto 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., S.C., Tenn., Texas, Utah, Va., Wash., D.C., W.Va.
Contact: Ed Johnston at 610-862-4380 or e-mail ejohnston@irvineandassociates.com.
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