Where we specialize

Premises, Hospitality & Service

With targeted expertise, we're well-equipped to be your market for Premises, Hospitality & Service risks.

Capabilities

  • General Liability with 1/2/2 with higher limits available to 2/4/4.
  • $25,000 minimum premium for primary, $5,000 minimum premium for excess policies.

Learn more about our Premises, Hospitality & Service (PDF) vertical, including our expertise, capabilities, and appetite.

Product Manufacturing

Count on us to deliver specialized expertise for your most complex product manufacturing risks.

Capabilities

  • Products Liability or full CGL with 1/2/2 with higher limits available for select classes.
  • $7,500 minimum premium for primary; $5,000 minimum policy premium for excess
  • Excess coverage available up to $5m in lead position with ability to ventilate. Additional capacity available up to $25M depending on attachment point.
  • ISO occurrence or claims-made forms available.

Learn more about our Product Manufacturing (PDF) vertical, including our expertise, capabilities, and appetite.

Primary Casualty overview

Brokerage General Liability provides a variety of primary general liability coverages targeted toward non-standard risks. In addition to standard CGL coverage, we also offer:
  • Liquor liability (not mono-line)
  • Owners/contractors protective liability (OCP)
  • Railroad protective liability (RRP) coverages
Policies are offered at typical limits of $1 million per occurrence, $2 million aggregate; however, higher limits may be available on select risks. Numerous coverage enhancements may be offered on many of our accounts such as:
  • Blanket additional insureds
  • Employee benefits liability (EBL) coverage
  • Per project/location aggregates
  • Waivers of subrogation
  • Hired/nonowned auto (H/NO)
  • Amended Pollution Exclusion—HVAC, Hostile Fire and Products Exception
  • Increased Limit of Insurance for Damage to Premises Rented to You

By utilizing a choice of rating plans, both industry/company and manuscript endorsements, policy sublimits, and various deductible or SIR options, our staff has the experience and creativity to tailor policy needs to fit a wide range of risks.

Preferred Primary Casualty classes of business

Commercial real estate

  • Commercial lessor's risk only
  • Offices
  • Vacant buildings and land
  • Warehouses

Hospitality

  • Hotels
  • Resorts
  • Restaurants

Product manufacturing

  • Appliances
  • Cosmetics
  • Electrical equipment
  • Machinery and equipment
  • Noncritical auto parts
  • Noninvasive medical products
  • Sporting goods
  • Toys

Retail/wholesale

  • Clothing stores
  • Grocery stores and supermarkets
  • Scrap metal dealers

Services

  • Alarm services
  • Cleaning and janitorial
  • Pest control
  • Vending

Marketing materials

To improve the response time on your brokerage submissions, consider providing the following information:
  • A complete and signed ACORD application and supplemental, if applicable, including the General Information section
  • Detailed description of named insureds and their operations
  • Five-year currently valued loss history aggregated by year and applicable coverage line
  • A description of large losses ($25,000 or greater)
  • Web address, if applicable
  • Correct ISO classification codes with the corresponding exposure base
  • Gross receipts, payroll, and OCP costs for the last three years