AMERICA'S
INTERNET BROKERS
We offer insurance products in
various classes of business for your clients’ needs.
Coverage is provided by companies rated excellent or better,
by AM Best.
Most classes of business are done via the Internet to keep
our costs at a minimum and to provide you with the quickest
turnaround, as well as the highest possible commission.
In most instances we provide one day turnaround on quotes,
for our Internet supported programs, when we receive your
submission electronically.
We are able to take an electronic file of an ACCORD application
from your AMS or Applied agency management system.
We do require loss runs, a copy of the underlying policy
or quote for Umbrella and in some instances, a picture of
the risk prior to binding. Most billings are on a direct
bill basis to your insured by the carrier. We must also
have our Broker Agreement, which is available by clicking
above, completed.
If you wish, you can have a broker log in ID and password
assigned to your agency so you can track your submissions
and communicate with our underwriters.
We are looking to make your experience with us your best
yet.
To view decriptions of each of the programs we offer click
on a program below:
Besides
our programs and other products we can provide coverage
for most standard accounts for all lines of business i.e.
( Auto,GL, Package, Bops) by submitting a
completed ACCORD Applicant Information Section and the applicable
coverage section(s).
Homeowners coverage for coastal properties
including secondary/seasonal residences, homes titled in
corporate names and rental properties.
Coverage can be provided on an ISO-HO-3. Optional coverages
include Replacement Cost Contents; Personal Injury; and
Identity Fraud.
Personal Articles Floaters; Excess Flood and Umbrella or
Excess Liability coverages are also available.
We offer access to coverage for both Heavy
Construction Contractors and Trade Contractors.
General Liability is available on an ISO occurrence or claims-made
basis.
The GL can be enhanced to include:
Employee Benefits Liability Insurance
Blanket Additional Insured
Waiver of Subrogation
Per project aggregates
Contractors that subcontract less than 35% of their work
are targeted.
Coverage can include Contractors Equipment, Contractors
Real & Personal Property and Builders Risk.
| Corporate
Identity Protection |
|
The explosion of electronic data processing
and transmittal as a daily part of business has dramatically
increased the incidence of the identity theft. Over thirty
states have passed laws requiring that businesses notify
consumers if their personal information in such businesses’ control
has or may have been compromised. Failure to do so can
result in severe civil and regulatory penalties, administrative
expenses, legal liability and defense costs-and perhaps
most costly of all damage to reputation and loss of customer
confidence.
Corporate Identity Protection offers coverage to a business
when its data is compromised resulting in identity theft.
Whether the identity theft is the result of negligence
occurring anywhere in the world, the policy offers coverage
to the business for the following:
With limits ranging from $100,000 up to $5 million, coverage
is suitable for retailers, manufacturers and wholesalers
with revenues up to $100 mmillion or companies holding
information on up to 1 million identities.
Businesses now recognize that damage to their reputations
and the loss of customer loyalty after an unauthorized
release becomes public could prove costly. The value
of an effective and rapid communications program in the
face
of such a crisis – combines with practical assistance
for the victims cannot be overestimated.
Businesses are understandably concerned with the civil
liability they may face as a result of identity theft
based on the unauthorized release of client information.
Any corporate entity that has experienced an unauthorized
release of client information may face administrative
actions brought by various regulatory bodies, including:
the Federal
Trade Commission, federal banking agencies and state
attorneys’ general.
By providing services for identity theft victims, a business
demonstrates its commitment to the needs of consumers.
This demonstration of good faith has proved to be a valuable
asset in retaining customers, maintaining employee satisfaction
and preventing costly actions.
| Energy
& Utility Contractors |
|
A comprehensive array of products and services
for small and middle market US energy operations.
The program offers General Liability, Auto Liability and
Workers Compensation.
The focus is on energy and energy-related businesses with
annual revenues up to $75 million.
The broad eligibility includes Home Heating Oil Dealers,
Petroleum Bulk Products & Terminals, Petroleum Machinery
& Equipment Manufacturers and Utility Contractors performing
normal utility operations, such as plant maintenance or
power line and pipeline work.
For the many homeowners for whom the maximum
available limits from The NFIP are inadequate, and particularly
in the numerous instances where they are extremely inadequate,
we can provide Excess Flood coverage.
Single and multi-family dwellings, condo’s and rental
units, in any interior or coastal flood zone are eligible.
The maximum available limits from The NFIP must be carried
at all times during the policy term.
The minimum Cov A amount is $300,000 and the Personal Property
minimum is $25,000.
There is virtually no maximum limit for Building or Contents.
We can provide custom solutions and responsive
service for hospitals and healthcare systems, long-term
care facilities, managed care organizations, physicians
and surgeons and miscellaneous healthcare facilities.
Professional liability and general liability coverages may
be available.
Liability coverage may be either primary or excess and may
be provided on a claims-made or occurrence basis.
CGL and Auto coverage with Umbrella Limits
up to $25,000,000 for Health Clubs, Sports Complexes, Personal
Training, Yoga Studios and Beauty Spas. Eligibility includes
full service clubs with swimming pools,tanning beds, bars
and day care.
Abuse and Molestation coverage is available.
Professional Liability can be added.
Property capacity up to $25,000,000.
Homeowners coverage for high-value homes including
secondary/seasonal residences, unprotected risks, homes
titled in corporate names, rental properties, builders risks
and coastal exposures.
Coverage can be provided on an ISO HO-3. Optional coverages
include: Replacement Cost Contents; Personal Injury; Water
Backup; Identity Fraud; Increased Business Property and
Golf Cart Liability/Property Damage.
Personal Articles Floaters; Excess Flood and Umbrella or
Excess Liability coverages are also available.
Home Inspectors Liability Insurance, that
residential home inspectors (including up to 25% light commercial
work) need, to comply with state and local licensing requirements.
Premises Liability Insurance can also be provided.
Home Inspectors Liability Insurance protects home inspectors,
even inspectors with no experience, including new ventures,
for claims arising from allegations of wrongful acts or
errors and omissions in real estate inspections.
Coverage can be expanded to include:
Radon Inspections
Termite Inspections
“Referral Protection” extending coverage to
entities that commonly refer
inspectors to customers, e.g., real estate brokers.
Importers understand the risks they must
cope with in their businesses. Accordingly, they appreciate
the custom and responsive solutions we can provide.
Many diverse importers of both durable and non-durable goods
are eligible.
There is broad Inland and Ocean Marine coverage available,
as well as Property coverage for Building, Contents and
Business Income Interruption. The coverage can be extended
to include Business Personal Property off-premises and Computer
Fraud.
The GL coverage can be extended to include Employment Practices
Liability (EPLI).
Business Auto Insurance is available including Hired Non-Owned
coverage and liability coverage for Business Use of Employees’
Cars.
Commercial Multiperil, Umbrella and Commercial
Auto or MonoLine property and GL coverage is available for
Labor Unions and related operations-local, regional and
national: schools; funds and real estate.
Property capacity of $50 million. Umbrellas up to $5 million.
We
offer a comprehensive program tailored to meet the unique
needs of establishments engaged in maintaining collections
of books, journals, music and other materials for access
by the public for general reading, research or education.
Coverage may be provided for Fine Arts, Personal Property
at other locations or in transit and for Equipment Breakdown.
Auto coverage and Umbrella are also available.
Manufacturers understand the risk their operations
present and appreciate the custom, responsive solutions
we can provide.
Many diverse manufacturing companies, including healthcare
products manufacturers and pharmaceutical manufacturers
are eligible, as are manufacturers representatives.
Broad coverage is available for Building and Personal Property.
Coverages for Off Premises Utility Service, Product Contamination,
Product Recall & Replacement and Valuable Papers &
Records are available. Limited Pollution coverage can often
be provided.
In addition to Prem / Ops and Products and Completed Operations
Liability, Commercial Auto, Umbrella and Workers’
Compensation are offered.
A comprehensive program including Real and
Personal Business Property, Business Income coverage, coverage
for Property of Others, Employee Dishonesty coverage and
Crime.
Coverage can be extended to include Building Ordinance coverage,
Contingent BI and Tronsit.
The GL coverage can be enhanced to include Employee Benefits
Liability Insurance (EBLI) and Blanket Additional Insured.
Business Auto Insurance, including Hired and Non-Owned coverage
is available.
Our workers’ compensation program encourages injured
workers to return to work sooner and is designed to reduce
medical costs.
High Property Coverage limits available.
Environmental Coverages, Off Premises Utility Failure and
Equipment Breakdown coverage can be included.
Crime, GL, Auto ad WC coverages are also available.
Focus classes include Offices, Office Parks, Open Air Shopping
Centers, Condos and Co-Ops.
Coverage from quality companies, rated excellent or better
by AM Best, satisfies loan requirements.
We can provide Special Events Liability for
virtually any type of event.
Eligible classes include Animal Shows, Arts & Crafts
Festivals, Fashion Shows, Picnics, Walk-a-thons and Weddings.
Liability limits of up to $1,000,000 per occurrence are
available and up to $5,000,000 in Umbrella coverage may
be provided.
When the Professional Liability is written,
we can also entertain General Liability, Employee Benefits
Liability, Abuse & Molestation coverage (with sub-limits),
D & O, Property, Crime & Fidelity and Umbrella for
a diverse group of For-Profit and Non-Profit Human Services
agencies.
We can underwrite Adoption and Foster Care agencies, including
those that do counseling and placements.
Coverage is available to those providing services to The
Developmentally Disabled, The Homeless and The Elderly,
including Group Homes, Day Workshops, Homeless Shelters,
Senior Day Care and Community Centers.
Also eligible are those providing services to Youth and
Substance Abusers.
We offer a comprehensive and dynamic insurance
program that can protect technology firms from the traditional
exposures, as well as those unique to the technology industry.
In addition to Property, GL, Auto, Workers Compensation,
D & O and Management Liability, we offer a suite of
Professional Liability policies specifically tailored for
technology firms.
The Professional Liability policies are designed to meet
the needs of virtually any size technology company.
Targeted tech companies include Hardware Development, Sales,
Installation, Integration and Maintenance. Developers of
Package and Custom Software, as well as Software Installation,
Integration and Maintenance.
Wholesalers and Distributors understand the
risk their businesses present and appreciate the custom
and responsive solutions we can provide.
Many diverse wholesalers and distributors of both durable
and non-durable goods are eligible.
Targeted classes include:
Auto Parts & Supplies
Furniture
Electrical Equipment
Household Appliances
Janitorial Supplies
Sporting Goods
There is broad Property coverage for Building, Contents
and Business Interruption. Coverage is also available for
Accounts Receivable, Dependent Property, Seasonal Increases,
Computers & Media and Business Personal Property Off-Premises.
In addition to Prem / Ops and Products & Completed Operations
Liability, coverage can be extended to include Employment
Practices Liability.
Business Auto Insurance is available, including Hired Non-Owned
coverage and Liability coverage for Business Use of Employees’
cars.
Inland & Ocean Marine, Umbrella and Workers’ Compensation
are also available.
