Contractor Auto / Towing Companies
Market Detail: Insuranceisland has coverages available for contractor auto and towing companies. High commissions — 8% to 10% on new business and renewals. Just write business and let our technology platform run your business. Highlights: $255 maximum premium, $100 minimum premium; has pen; appointment required.
Available Limits: Not disclosed.
Carrier: Hartford; admitted; rated AAA.
States: Available in California, District of Columbia, Maryland, Pennsylvania, Tennessee, Virginia, West Virginia.
Contact: Madhavan Chakravarthi; sales!@insuranceisland.com; 240-335-2426.
Misc Professional Liability — Consultants, Tax Preparers, Media Creatives and More
Market Detail: Draftrs Miscellaneous Professional Liability E&O insurance covers many miscellaneous professional classes, including consultants, bookkeepers, tax preparers, recruiters, media creatives, arbitrators and mediators, travel agents and more. The product is underwritten by an A-rated carrier and is admitted. Draftrs is the exclusive provider of digital access to this product underwritten by Hanover. Small firms with up to $500K in revenue are covered. We offer full commissions as we are not a wholesaler. We work with both generalist and specialist agencies. We have instant online quotes, billing, endorsements and automatic renewals. Fast appointments; has pen.
Available Limits: Small firms with up to $500K in revenue are covered.
Carrier: Hanover; admitted; rated A by AM Best.
States: Available in most states plus District of Columbia. Not available in Alaska, Hawaii, Nevada and Virginia.
Contact: Paul Beck; paul.beck@draftrs.com; 214-210-3476.
Retail
Market Detail: Next Insurance offers a program for retail businesses. Coverage highlights: Broad appetite with over +1,300 professions available; quote and bind online for businesses up to $5 million in annual revenue; carrier admitted and A- rated by A.M. Best; direct bill, automatic renewal, flexible payment options; no trailing documents needed to bind. Target professions include e-commerce, retail stores, electronics store, clothing store, arts and crafts store, florist, candle store, hardware store. Lines of business available: business owner’s policy, general liability, umbrella/excess liability, workers’ compensation. Underwriting guidelines: maximum revenue — $5 million; limits available — $500,000/$500,000 to $1 million/$2 million. General liability coverage highlights: You can add additional coverage to GL coverage such as umbrella/excess liability, cyber insurance, employment practice liability insurance, products completed, and more. Has pen.
Available Limits: $500,000/$500,000 to $1 million/$2 million.
Carrier: Next Insurance Co.; admitted; rated A by AM Best.
States: Available in all states plus District of Columbia.
Contact: Jessica Gutheil; Jessica.g@nextinsurance.com; 855-222-5919.
New Venture Markets
Market Detail: JenCap Fort Worth offers three A-rated trucking markets that will accept new ventures. The new venture owner must have three or more years of experience in industry; drivers over 23 years; MVRs with no more than 1 minor violation in last three years. Forward application, new venture narrative, MVRs and equipment list. Not available in all states. Has pen; appointment required.
Available Limits: Not disclosed.
Carrier: Non-admitted.
States: Available in Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Illinois, Iowa, Kansas, Missouri, Nevada, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas and Virginia.
Contact: Darren Yancy; darren.yancy@jencapgroup.com; 817-447-9046.
Home Health Care HNOA
Market Detail: Amwins Program Underwriters offers the Home Health Care HNOA program that provides hired and non-owned auto liability coverage for home health care operations. This specialized HNOA program addresses the unique challenges that providers encounter while delivering essential services to patients within their residences. Eligible accounts include visiting nurses, doctors/nurse practitioners, physical therapists, counseling/mental health, occupational therapists, blood delivery services, phlebotomists and more. This coverage is available in all U.S. states except Louisiana.Submission requirements: Completed industry-standard applications; Home Health Care HNOA supplemental application; currently-valued loss information (current year and four prior years); current drivers list; current MVRs for all drivers (random sample approach used on larger accounts).
Available Limits: Primary HNOA limits of up to $5 million; defense costs are outside the limit.
Carrier: Non-admitted; rated A++ by AM Best.
States: Available in most states plus District of Columbia. Not available in Louisiana.
Contact: Julie Reisinger; julie.reisinger@amwins.com; 717-214-7616.
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