Excess Property
Market Detail: Excess Limits Property coverage with maximum $5 million limit on stand-alone or quota share basis through an exclusive capacity arrangement with Ardellis Insurance Ltd (AMBest Rated A) attaching at a minimum of $5 million for the following classes: habitational, hotel, retail, warehouse, wood products, food processing, manufacturing, mercantile, sawmills, poultry and LRO. Limitations for Excess Coverage include: No Tier 1 Cat exposures at or above attachment point. Does not follow broker manuscript forms and will require Ardellis Excess Form. Excluding flood and earthquake. If 100% or the majority of the TIV is in the following states (resulting in Surplus Lines taxes being filed for the state), Ardellis cannot currently participate: Arkansas, California, Connecticut, Florida, Hawaii, New Jersey, New Mexico, New York, Utah and the District of Columbia. Submission Guidelines: SOV with COPE; loss control for complex classes; five-year loss runs with explanations; ACORD(s); and target layering/pricing with expiring carrier info.
Available Limits: Maximum $5 million limit on stand-alone or quota share basis
Carrier: Ardellis
States: All states excluding Arkansas, California, Connecticut, Florida, Hawaii, New Jersey, New Mexico, New York, Utah and the District of Columbia
Contact: Pam Berlingo, pam.berlingo@insur-fi.com, 678-437-1743
Last Mile Delivery, Sprinter Van, Amazon Contractors
Market Detail: Competitive program for last mile delivery, home delivery and Amazon contractors for auto physical damage, motor truck cargo and general liability. No CDL required. Additional Credits for CDL driver. Coverage for target goods can be included (clothing, footwear, electronics). Very fast quotes and amazing service!
Available Limits: Not available
Carrier: Non-admitted
States: All states excluding Alaska, Hawaii, Kentucky, Michigan, Washington and the District of Columbia
Contact: Thomas Bradshaw, thom@tcbinspro.com, 574-583-8661
Student Health
Market Detail: Special Markets Insurance Consultants (SMIC) offers exclusive health insurance options for inbound international students. Plans and pricing give higher education and private K-12 school clients affordable options. Eligible accounts: International college and university students and international K-12 students. Coverage: Non-ACA-compliant plans for inbound international students
Available Limits: Not available
Carrier: Multiple carriers, Non-admitted
States: All states and the District of Columbia, excluding New York
Contact: Krista Stanek, krista.stanek@amwins.com, 715-303-6128
Medispa Insurance Program
Market Detail: Breckenridge’s medispa insurance program provides comprehensive coverage for facilities that offer advanced medical-grade treatments and procedures. Medispa insurance coverage is a special variety of professional, general, and other liability coverages but as each medispa provides different treatments and procedures, “one size fits all” coverage may be harmful for businesses. Coverages: Business personal property, general liability, professional liability and cyber options.
Coverage varies, please refer to policy documents for specific terms and conditions. Classes: cryotherapy, medical-grade facials, Botox or Dysport, Lazer hair removal, laser skin resurfacing, chemical peels, microdermabrasion, microneedling, micro-coring, skin lightening, medical weight loss, anti-aging hormone treatments, Intense Pulsed Light (IPL) therapy, body contouring, float tanks, massage therapy, IV therapy, salt chambers, hyperbaric treatments and more. Limits and highlights: $1 million/$1 million to $2 million/$4 million. Quick response time (24-48 hours in most cases).
Coverage available even if there is professional/collegiate athlete exposure. Other related exposures can be considered with cryotherapy (i.e. physical therapy, sports rehab, massage therapy). Mobile and stationary. Risk management services free with policy – see policy for details. Has pen.
Available Limits: $2 million maximum premium; $1 million minimum premium
Carrier: Non-admitted
States: All 50 states and the District of Columbia
Contact: Victoria Dearing, vdearing@breckis.com, 469-320-4033
Small Business E&O
Market Detail: Small businesses form the bedrock of the economy and employ nearly half of all U.S employees. An errors and omission program can protect owners and employees against claims of negligence, common mistakes or inadequate work. Appetite ranges from consultants, health and wellness, small agents and brokers, education, pet and animal services, contractors, construction managers, bookkeeping, inspectors, real estate agents, surveyors and many more.
Features: Over 850 different risk types, limits available up to $2 million/$2 million, deductibles from $0, minimum premium – $350, AM Best – A- (Excellent) rated carrier, non-admitted, primary only. Coverage Highlights: Claims Made policy form, pay on behalf basis, Duty to Defend / Consent to Settle, $250/$5,000 trial attendance reimbursement, $5,000/$5,000 disciplinary proceeding reimbursement, claims reporting as soon as practicable, liberalization clause, 60-day ERP at Nil AP, bilateral ERP of up to five years and unlimited retirement extended reporting for sole traders. Has pen.
Available Limits: $2 million/$2 million
Carrier: Non-admitted
States: All states and the District of Columbia, excluding Alaska and Hawaii
Contact: Alan Lambert, Alan.lambert@ververisk.com
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