Insurance Agents E&O Program
Nuts & Bolts: Brown & Brown of California Inc. – Programs Division has a new errors and omissions market designed for agents that have been in the industry three or more years, with revenue under $3 million and have fewer than 30 licensed staff members. Program is admitted in all states for both property/casualty and/or life agents. Includes broad definition of insured. Defense outside limit of liability and “damages only” deductible is available. Program offered on a retail basis only.
Dollars: $1 million to $10 million.
Carrier: American Automobile Ins. Co., rated “A” XV by A. M. Best. Admitted.
States: All.
Contact: Mary Serafino at 800-280-7250, ext. 340 or e-mail mserafino@broprog.com.
Courier/Expedited Local Delivery
Nuts & Bolts: Innovative Insurance Solutions Inc. (IISI), which has specialized in transportation risks since 1995, launched a new program specifically designed for couriers/package delivery and others in the expedited local delivery industry. IISI is the exclusive program manager, with the authority to quote, bind and service the policies in-house. Available coverages include auto liability, auto physical damage, cargo and general liability.
Dollars: $1 million CSL; $1 million per occurrence/$2 million aggregate.
Carrier: Rated “A-” VIII by A. M. Best. Admitted and non-admitted.
States: All.
Contact: Lee Duncan at 775-782-6663 or e-mail lee@iisi-usa.com.
Non-Trucking Liability Program
Nuts & Bolts: TCBTI, LLC is offering coverage for medium to large-sized owner/operator trucking fleets. Rates vary based on size and experience.
Dollars: $500,000 to $1 million.
Carrier: Rated “A” by A.M. Best. Non-admitted.
States: All except Alaska and Hawaii.
Contact: Thomas Bradshaw at 1-877-498-6900 or e-mail thom@tcbins.com.
Tattoo and Body Piercing
Nuts & Bolts: Marine Agency Corp. is now offering professional liability, package, umbrella and workers’ compensation for tattoo and body piercing businesses.
Dollars: Varies
Carrier: AIG rated “A” by A.M. Best. Admitted.
States: All.
Contact: Charlie Stevens, 800-763-4775 ext. 14 or e-mail cstevens@marineagency.com.
Specialty RV Coverage
Nuts & Bolts: RV insurer has a product for motorized and non-motorized units including Class A, B, and C motor homes, bus conversions, and travel trailers. Rating is Web-based with a focus on ease of use. Competitive rate structure throughout the U.S. Available coverages include total loss replacement, purchase price guarantee, diminishing deductible, full timer’s liability, awning replacement, adjacent structure coverage, physical damage for units valued up to $2 million in select states, and more. Companion auto product is available for RV customers who own private passenger autos. Customers who combine RV and auto are able to have combined billing, discounted pricing, and a single deductible.
Dollars: Up to $1 million CSL.
Carrier: National Interstate rated “A” by A. M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Colo., Conn., Del., Fla., Ga., Idaho, Ill., Ind., Iowa, Kan., La., Maine, Md., Mich., Minn., Mo., Mont., Neb., Nev., N.H., N.J., N.M., N.Y., N.C., N.D., Ohio, Okla., Ore., Penn., S.C., S.D., Tenn., Texas, Utah, Va., Wash., Wis. and Wyo.
Contact: Steve Minster at 800-929-1500 or e-mail steve.minster@natl.com.
Spa and Salon/Massage and Skincare
Nuts & Bolts: The Marine Agency Corp. is offering professional liability, business owners policies and packages, umbrella, workers’ compensation, EPLI for spa and salon, massage and skincare.
Dollars: Varies.
Carrier: AIG/or Fireman’s Fund rated “A” by A.M. Best. Admitted.
States: All.
Contact: Charlie Stevens at 800-763-4775 ext. 14 or e-mail cstevens@marineagency.com
Home Fuel Oil Delivery
Nuts & Bolts: International Excess of Pittsburgh is offering coverage for propane, petroleum and fuel oil distributors. Coverages include property, inland, CGL, business auto and umbrella liability.
Dollars: Up to $5 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: W. Flagg Pavlik at 800-937-3497 ext. 208 or e-mail fpavlik@intlxs.com.
Mortgage Brokers – Professional Liability
Nuts & Bolts: Klinger Associates Inc. is offering a program for mortgage brokers professional liability. Available to residential and commercial brokers.
Dollars: Starting at $1 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Bob Klinger at 317-845-9890 or e-mail Klinger@klinger-insurance.com.
Private Schools (K-12)
Nuts & Bolts: Markel Insurance Co. is an admitted, “A” rated carrier that insures private K-12, Montessori, charter, trade/vocational, business, and correspondence schools. Available coverage includes general liability, umbrella, sexual abuse/molestation, corporal punishment, educators’ liability, sports liability, teachers professional, communicable disease/food contamination, auto and property.
Dollars: $1 million per occurrence/$3 million aggregate.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All, except Hawaii.
Contact: Denise McLaughlin, 804-527-7506 or e-mail dmclaughlin@markelcorp.com.
Nurseries and Tree Farms
Nuts & Bolts: Advanced AFT insures trees, plants and shrubs, both in the ground and in containers for property insurance. Coverage excludes crops, such as wheat, corn etc.
Dollars: $250,000 to $10 million.
Carrier: Rated “A” by A.M. Best. Non-admitted.
States: Ala., Alas., Ark., Ariz., Calif., Colo., Ga., Ken., La., Miss., Nev., N.M., N.C., Okla., S.C., Texas and Va.
Contact: John Dowling at 203-267-4661 or e-mail at jdowling@advancedins.com
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