My New Markets

GC/General Contractor Workers’ Comp – High Risk

Market Detail: HR and PEO Consultants offers high risk workers’ compensation programs for general contractors. Highlights include aggressive pricing through various deductible programs and very reasonable collateral requirements on the deductible programs, A rated carriers, and an alternative solution for those clients with high risk/high hazard exposures and high experience modifiers. All types of accounts will be considered: high mod; cancellations/non-renewals; lapse or gaps in coverage; new business; no prior; height exposure over two stories and more. PEO programs are designed to write the following types of risks: bus companies; cell tower work; garbage haulers; heavy construction; building operations; janitorial; landscaping; tree trimming; logging; roofing (commercial and residential); staffing operations; trucking; furniture movers; long haul and short haul; parcel; USL&H; manufacturing; bakeries and more. Loss control programs and safety programs are put in place to combine with the client in an effort to reduce exposure of potential claims and creating a safer work environment.

Available Limits: Not disclosed.

Carrier: Rated A; not disclosed.

States: Available in all states plus Washington, D.C.

Contact: Lisa DeNoto; ldenoto@hrpeoconsult.com; 561-866-8674.

Alarm Installation Contractors

Market Detail: Insurance Protection Advisors offers an exclusive in-house program for residential and commercial alarm installation contractors. Target clients include alarm installation contractors — CCTV, building access badges, conference/training room automation and home theater installation. Monitoring exposures must be subcontracted out with proper risk transfer. Medical alarms, correctional facilities and casinos are not eligible. Coverage and highlights: professional liability; per project aggregate; fire damage legal liability; medical payments; worksite pollution. Special extensions available: additional insured and waiver of subrogation (as required by written contract); “automatic” scheduled entities; per project aggregate; employee benefits liability; primary/non-contributory wording available; minimum premium $5,000. Submission requirements: industry standard Acord; IPA supplemental; loss runs — five years valued within past 90 days and details of losses excess of $25,000; firms in business less than five year — will need owner(s) resume. $6 million maximum premium, $1 million minimum premium; has pen.

Available Limits: General liability – $1 million / $2 million; follow form excess – $5 million in-house authority.

Carrier: Summit Specialty; non-admitted; rated A VIII by AM Best.

States: Available in most states plus District of Columbia. Not available in Alaska, Hawaii, New York, and Cook County, Illinois.

Contact: Dylan Brightman; dbrightman@insprotectadvisors.com; 972-403-2417.

PEO & Temporary Staffing Program

Market Detail: RPS Signature Programs specializes in insurance for professional employer organizations (PEOs) and temporary staffing agencies. We provide them with a variety of workers’ compensation insurance options that include guaranteed cost, large deductible, administrative services only and captive policy solutions. PEO and temporary staffing insurance is a specialty niche that requires the right knowledge and experience to navigate successfully for your insureds. These organizations are in the unique role of serving as an employer that provides labor on a contingent basis to their own clients. An integral part of staffing company’s success and ability to function is the administration and management of a workers’ compensation program for their placed employees. We cater to professional employer organizations and temporary staffing agencies. Primary offering: workers’ compensation. Other product offerings: general liability; property; hired and non-owned auto; employment practices liability (EPL); professional liability; umbrella; cyber liability; crime. RPS program highlights: claims expertise and advocacy; client stewardship reviews; experience mod analytics and management; industry benchmarking studies; consultative service platforms; underwriting, compliance and risk evaluation expertise; risk portfolio, service and relationship management; data visualization; risk alerts; claims, payroll and policy data integration; predictive rate modeling. RPS clients are assigned to a team of industry specialists who are dedicated to providing a wealth of resources to service insureds’ needs. Our approach ensures that managing our insurance program is seamless and easy. The RPS Signature Programs PEO and Temporary Staffing team provides one source for all of the products and services insureds’ need.

Available Limits: Not disclosed.

Carrier: Not disclosed.

States: Available in all states plus District of Columbia.

Contact: Dino Fabrizio; dino_fabrizio@rpsins.com; 407-758-8658.

Large Builders Risk and Property Coverage

Market Detail: Bermuda Brokers provides larger builders risk and property placements direct in Bermuda. Bermuda Brokers specializes in working with managing general agents, program managers and brokers, helping them establish and develop niche programs.

Available Limits: Not disclosed.

Carrier: Not disclosed.

States: Available in all states plus District of Columbia.

Contact: Kurt Bounds; kurt@bermudabrokers.com; 630-815-7005.