Gas Station
Market Detail: Cal-Regent Insurance Services works with commercial insurance brokers as a specialist in garage liability and commercial auto coverage packages. Can work with hard-to-place risks and risks with any loss history; comprehensive and competitively priced coverage offerings.
Available limits: Minimum $100,000, maximum $1 million.
Carrier: State National Insurance Co.
States: Alaska, Ariz., Calif., Nev., Ore., and Wash.
Contact: Richard Nagby at 619-596-2770 or e-mail: rnagby@cal-regent.com.
Earthquake
Market Detail: Worldwide Facilities Inc. offers difference in conditions (DIC) catastrophe perils. Worldwide offers limits exceeding $200 million. Capabilities range from placing wind in the Southeast to earthquake and flood in California, the Northwest, New Madrid, Georgia and all points in between. Target classes include: earthquake and EQSL in all states; flood coverage in all zones; tier-one wind; large real estate schedules; habitational risks; older properties; single location accounts to large schedules; and single family dwellings. Available coverage features: primary, excess or loss limit basis; high capacity; deductible buybacks; building ordinance coverage; waiting day periods on time elements; per-unit deductibles and flat dollar deductible.
Available limits: As needed.
Carrier: Unable to disclose.
States: All.
Contact: Emily Lomax at 213-236-4500 or e-mail: elomax@wwfi.com.
Remodelers
Market Detail: Zurich’s new remodelers policy covers renovations and improvements to most residential and commercial structures. Coverage can be provided for the value of the renovations or improvements only and can also be provided for the existing structure. Remodeling coverage options are divided into the following three eligibility categories: 1) basic remodeling; 2) minor structural remodeling – remodeling including minor changes to the exterior structure; and 3) restructuring – remodeling work including replacement or removal of any load bearing walls or foundation or the addition of stories, stairways and elevators.
Available limits: As needed.
Carrier: Zurich.
States: All except Alaska and Mass.
Contact: Steve Bristow at 800-800-3907 or e-mail: steve.bristow@zisinternet.com.
Tanning Salons
Market Detail: Universal Insurance Facilities Ltd. provides insurance for the tanning salon industry. Coverage includes professional liability policy and other coverages specifically designed for tanning salons. Type of coverage: professional liability, package, and umbrella. Classes: tanning salons and ancillary services.
Available limits: Minimum $300,000.
Carrier: AIG.
States: All.
Contact: Joan McHenry at 800-844-2101 or e-mail: info@univins.com.
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