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Bars, Taverns and Restaurants
Market Detail: M.J. Hall & Company Inc. writes bars, taverns and restaurants. Bar and tavern insurance covers businesses that may or may not serve food; these also cover bars and taverns with or without dance floors, or featuring live entertainment. An establishment is typically considered to be a bar or tavern if alcoholic beverage sales are more than 50 percent of gross sales. Intended for small to medium sized bar/nightclub exposures, and restaurants with or without alcohol sales. General liability (primary or excess) coverage includes CGL limits up to $3 million and primary liquor liability up to $1 million. Available programs: garagekeepers coverage for valet services; non-owned/hired auto; assault and battery; business income; medical payments coverage. Crime coverage inside and outside the premises. Property coverage: basic, broad or special form; replacement cost or ACV; contents; business income; equipment breakdown; accounts receivable; computer equipment; outside signs; and valuable papers.
Available limits: As needed
Carrier: Unable to disclose
States: Alaska, Ariz., Calif., Hawaii and Nev.
Contact: Stacey Shurson at 209-870-2978 or e-mail: staceys@mjhallandcompany.com

Pollution – Auto Dealers/Auto Repair
Market Detail: AmWINS Group Inc.‘s AutoGuard Program is a pollution insurance product designed to protect auto dealerships and automotive service/repair shops from the financial consequences of environmental losses. Also included are: brake shops; detail shops; equipment leasing companies; farm equipment dealers; lube shops; muffler shops; new car and truck dealerships; oil change repair centers; RV dealers transmission repair centers and truck service centers. Road form pollution liability coverage can include: third party BI & PD – on and off-site; on site clean-up; transportation of pollutants; protection for non-owned disposal sites; storage tanks at scheduled locations; multiple locations; and tail coverage. Completed application(s) required.
Available limits: Maximum $50 million
Carrier: Zurich North America
States: All states
Contact: Jim Titus at 717-214-7604 or e-mail: jim.titus@amwins.com

Texas Non-Subscriber Coverage
Market Detail: Great American Insurance Group, ECA’s division is the program administrator for one of the oldest, largest programs for Texas employers who opt out of workers’ compensation. The coverages include accidental death and dismemberment, medical expense, disability income, and employer’s liability claims due to on the job injuries.
Available limits: Minimum $100,000, $5 million
Carrier: Unable to disclose, non-admitted available
States: Okla. and Texas
Contact: Janna and Johnson at 972-931-2026 or e-mail: jljohnson@gaig.com

Technology & Cyber
Market Detail: Risk Placement Services Inc.‘s Technology & Cyber group provides insurance products for start-ups to public corporations to government IT contractors. Both standard lines and excess and surplus markets. All lines are available. Sample classes include: computer consulting; web applications; IT defense contractors; systems integration; cloud computing; social networking; software development; IT staffing; video game/smart phone app development; high-traffic blog sites; data process control.
Available limits: As needed
Carrier: Unable to disclose, admitted
States: All states
Contact: Customer service at 866-595-8413

Background Screeners
Market Detail: Brownyard Programs Ltd. offers specialty insurance (GL and E&O) programs for: security guard companies; alarm companies; detective agencies; private investigators; background screening companies; and armored car companies.
Available limits: Minimum $1 million
Carrier: Executive Risk & Lexington
States: All states
Contact: Pam Van Cott, e-mail: pvancott@brownyardprograms.com

Topics Texas