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Nightclubs
Market Detail: RMS Hospitality Group‘s coverage for nightclubs is able to quote 100 percent liquor sales with excess coverage available. Program includes general liability; assault & battery; and liquor liability. Available limits: General aggregate limit $2 million; products-completed operations aggregate $2 million; personal & advertising injury $1 million; each occurrence limit $1 million; liquor liability limit $1 million; fire damage limit (any one fire) $100,000; medical expense limit excluded; assault & battery available up to $1 million; excess limits available up to $5 million; hired/non owned auto liability limit $1 million.
Available limits: As needed.
Carrier: Unable to disclose, non-admitted.
States: All states except Alaska, Vt., and W. Va.
Contact: Mark Derrenberger at 516-742-8585 or e-mail: info@rmshg.com.

Commercial Auto
Market Detail: Gladius Insurance Services LLC ‘s commercial auto program is available nationwide. A15 admitted carrier (contact Gladius for carrier name); direct bill available. Eligible classes include: commercial auto, trucks, trailers, private passenger vehicles, contractors, retail, wholesale, etc. Ineligible classes include: trucking risks, taxis, limos, for-hire trucking, and concrete-in-transit.
Available limits: Minimum $300,000, maximum $4 million.
Carrier: Unable to disclose, admitted.
States: All states except Alaska, Hawaii, Md., and Ohio.
Contact: John Baccarella at 877-587-4999 or e-mail: john@gladiusins.com.

E&O Insurance for P/C Agents
Market Detail: EOforLess.com offers coverage in all states (except N.Y.). Policy highlights: preferred risk rates; group rates sponsored by the National Ethics Association; instant proof of insurance; administered by Mercer US Consumer. Limits: $1 million each claim/$1 million annual.
Available limits: As needed.
Carrier: Everest.
States: All states except N.Y.
Contact: Customer service at 866-795-2041.

General Liabilty
Market Detail: Northern Underwriting Managers Inc. offers general liability and primary liability coverage with a broad appetite. Available in all 50-states; policies issued within 15 days; minimum premium $7,500 with no maximum. Target Appetite: construction (all types), stand-alone products & completed op’s; manufacturing and more. Submission requirements: full Acord apps and three to five years loss history, emailed to underwriter.
Available limits: Minimum $1 million; maximum $2 million.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states.
Contact: Customer service at 855-825-9353.