The following markets were selected from the MyNewMarkets database of 25,000 coverages and programs. To find additional markets, or to submit markets, go to www.MyNewMarkets.com.
Public Officials Liability
Market Detail: Apogee Insurance Group a Berkshire Hathaway Group offers agents access to public officials’ liability coverage. Coverage features include: full prior acts coverage; defense costs outside the policy limits; unlimited extended reporting period for former elected officials; duty to defend; third-party discrimination coverage; bilateral discovery; and others.
Available limits: Up to $25 million.
Carrier: Not disclosed. “A++” rated by A.M. Best. Admitted and nonadmitted.
States: All.
Contact: Robert McIntyre at 610-337-3200 ext. 7021 or e-mail rmcintyre@apogeeinsgroup.com.
Monoline Property for Coastal Exposures
Market Detail: CATalyst Property Insurance from Venture Programs gives agents a commercial property, inland marine and incidental commercial general liability program for coastal property-driven risks. CATalyst can access many carriers to offer agent’s high-hazard, coastal and specialty property risks special form coverage including wind, flood and quake. A difference in conditions (DIC) policy covering flood and quake exposures is also available. Minimum premiums begin at $5,000 (higher in parts of Florida).
Available limits: $1 million to $500 million.
Carrier: More than 20 carriers. “A-” rated by A.M. Best (at minimum). Admitted and nonadmitted.
States: All.
Contact: Christian Capozzoli at 800-282-6247 ext. 262 or e-mail ccapozzoli@venture programs.com.
Self Storage
Market Detail: Britt/Paulk brings agents a custom commercial business owners’ policy made for traditional and mobile self storage owners and operators. Britt/Paulk has created a one-stop shop for all the coverage unique to the self storage business. Coverages include: blanket building and personal property, accounts receivable, pollution cleanup, business income and extra expense, replacement cost, course of construction, workers’ compensation, equipment breakdown, business liability, sale and disposal liability, hazardous contents removal, mobile storage coverage, commercial auto, equipment, environmental, professional liability and excess liability.
Available limits: As needed.
Carrier: AAIC. “A+” rated by A.M. Best. Admitted.
States: All.
Contact: Customer Support at 800-842-8917 or e-mail selfstorage@brittpaulk.com.
Child Welfare Organizations
Market Detail: Markel Insurance Co. offers agents access to a program for not-for-profit child welfare organizations such as Boys and Girls clubs, community programs, counseling services, family service agencies, group homes, residential care facilities, Head Start programs and shelters. Available coverage includes general liability, umbrella, sexual abuse/molestation, directors and officers, special events, professional liability, property, key employee replacement, auto, crime and business income. Minimum premiums and deductibles vary based on the risk.
Available limits: Based on risk.
Carrier: Markel Insurance Co. “A” rated by A.M. Best. Admitted.
States: All except Hawaii.
Contact: Rhonda Sciortino at 804-339-0534 or e-mail rsciortino@markelcorp.com.
Insuring Sleep Labs
Market Detail: Cailor Fleming Insurance provides access to a true package policy for the sleep industry. The program includes coverage for property, general and professional liability, sexual abuse, inland marine and umbrella all under one package. Coverage is available for sleep centers, sleep scoring labs with a new option for the individual PST techs to purchase coverage. Premiums begin at $1,500.
Available limits: Starting at $1 million.
Carrier: Unable to disclose. “A” rated by A.M. Best. Nonadmitted.
States: All except Alaska and Hawaii.
Contact: William McMahon at 330-782-8068 or e-mail wmcmahon@cailorfleming.com.
Senior Housing
Market Detail: NSM Insurance Group offers agents access to its “Independent Senior Housing Insurance Program.” The program is designed for stand-alone independent senior living housing including: 1) Nonprofit HUD and state financed apartment buildings; 2) For-profit apartment management companies, condos and co-ops for more affluent seniors; and 3) For-profit and nonprofit buildings with more than 50 percent senior occupancy for both affordable and up-scale housing. Nursing homes and assisted living facilities are excluded from this program. Minimum premiums begin at $5,000.
Available limits: As needed.
Carrier: Unable to disclose. “A” rated by A.M. Best. Admitted.
States: All.
Contact: Bill Hurlman at 877-520-2552 or e-mail WHurlman@nsminc.com.
Trash Haulers and Landfills
Market Detail: Sloan Mason Insurance Services announces a program for trash haulers and landfills. This package provides general liability, pollution liability, auto, workers’ compensation and umbrella protection. Minimum premiums vary by line and type of insured.
Available limits: As needed.
Carrier: Unable to disclose. “A+” rated by A.M. Best. Admitted.
States: All.
Contact: Matt Foley at 619-325-1719 or e-mail matt@sloanmason.com.
Bars, Taverns & Clubs
Market Detail: Kevin Davis Insurance Services offers access to coverage for bars, taverns, nightclubs, rap concerts, 24/7 adult entertainment and other special event operations. Program features include: liquor liability; assault and battery sub-limits; and the availability of excess coverage. Minimum premiums begin at $7,500.
Available limits: $1 million to $5 million.
Carrier: Unable to disclose. “A-” rated by A.M. Best.
States: Ariz., Calif., D.C., Fla., Ga., Hawaii, Mass., Nev., N.Y., N.C., Ohio, Ore., Pa., S.C., Texas, Va., and Wash.
Contact: Ezana Asfaw at 213-833-6127 or e-mail easfaw@kdins.com.
Fine & Penalty Protection for Health Care Professionals
Market Detail: Stratus Insurance Services offers coverage to protect health care insureds from the financial consequences associated with various fines and penalties. Certain fines and penalties associated with Health Insurance Portability and Accountability Act (HIPAA) and OSHA are covered for PRACTICEserv policyholders. Coverage is also provided for liability resulting from information security breach and breach of privacy. Minimum premiums begin at $1,500 and deductibles start at $2,500.
Available limits: $100,000 to $500,000.
Carrier: Not disclosed. “A” rated by A.M. Best. License status not provided.
States: All.
Contact: Daryle Stafford at 801-763-1375 or e-mail stafford@stratusins.com.
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