We have both admitted and non-admitted carriers for your property and casualty needs. Whether you need a package account or a standalone policy for general liability or property we have the solution for you.
Lapse in Coverage
Protection Class 9 & 10
We are able to quote most ISO classes.
Call our commercial lines team for more information at 888-364-3434, option 1.
How Can We Help?
Target Risks (click on a category for details)
Facilities providing social type activities including arts and crafts, cards, movies, pool tables, etc. for adults. The majority of attendees should be ambulatory.
Application – Adult Day Care General Liability Application
Installation, service and/or monitoring of burglar, fire and other types of alarms, intercom systems, access control systems and closed-circuit televisions.
Application – Alarm Installation Servicing Monitoring or Repair General Liability Application
Risks primarily engaged in performing services and operations involving household pets/animals, such as Animal Shelters, Boarding and Breeding Kennels, Pet Stores, Pet Training, Pet Grooming, and other pet related activities.
Application – Animal Services Program Supplemental Application
Coverage is available for apartment buildings or complexes with five or more units, apartment hotels, hostels and boarding or rooming houses.
Application – Apartment Application
Artisan contractors are those who specialize in one or more trade operations performing work for hire/bid for building owners or general contractors. Coverage may include incidental subletting of operations usually 10% to 25%.a)Application – Artisan Contractor Application
Intended for Bar/Tavern exposures and Restaurants with alcohol sales that are 30% or more of total gross sales.
Application – Bars and Restaurants
SHOP Risks with owner as operator, operators as employees, or operators as independent contractors. Coverage is also available for individual operators. Coverage is available for masseuses, manicurists, ear piercing, makeovers and facials.
Application – Beauty Parlor and Barber Shop Application
Residential homes used as a Bed and Breakfast or Country Inn, up to a maximum of 10 rooms per exposure.
Application – Bed and Breakfast Application
Coverage is available for tourist campgrounds
Application – Campground Application
Caterers providing food service for events (weddings, parties, meetings, etc.) including sandwich/catering trucks and ice cream trucks.
Application – Caterers and Halls
CONDOMINIUM, HOMEOWNER, AND OTHER COMMUNITY ASSOCIATION
Multiple types of established residential community associations where all development and construction operations have been completed. These include: Homeowners Associations and Townhome/Townhouse Associations Individuals own the units and the association property and liability exposures are limited to common areas. Residential Condominium and Time-share Condominium Associations Individuals own the interior unit space and the association property and liability exposures consist of the condominium exterior walls and common areas. Cooperative Housing Corporations Corporations whose stockholders have a special lease giving them exclusive rights of occupancy to a unit. The corporation property and liability exposures consist of the real property.
Application – Condo or Homeowners Assoc General Liability App
CONTRACTOR’S EQUIPMENT RENTAL
Contractor’s Equipment Rental operations rented with operators on an hourly, daily, weekly, or monthly basis. Types of equipment intended to be covered under this program include, but not limited to: backhoes, bobcats, bulldozers, cranes, earth movers, forklifts, front-end loaders, graders and water trucks.
Application – Contractors Equipment Rental General Liability App
Day Care Centers, In-Home Day Care, Before and After School Programs, Sick-Child Day Care, and child care associated with other organizations (hotels, clubs, YMCA/YWCA, churches, etc.). Applicants must be properly licensed, registered and/or in compliance with state regulations.
Application – Daycare and Preschool
Demolition of buildings or structures and sale of salvage materials. Available on a per-job basis or as an annual policy.
Application – Demolition Contractors General Liability
Application – Demolition Contractors General Liability
DETECTIVE OR INVESTIGATIVE AGENCIES (PRIVATE) AND PROCESS SERVERS
Private investigators (armed or unarmed), detective agencies, finger printing services, missing person tracing services, polygraphists, process servers, skip tracers and claims adjusters .
Application – Detective or Investigative Agency
DISTRIBUTORS & WHOLESALERS
Distributors and Wholesalers with no more than 25% retail sales, including their internet Web site retail sales. Not intended for manufacturers, importers of foreign products, or assembling operations.
Application - Distributors and Wholesalers Program
Provide Property and Lessor’s Risk coverage on one- to four-family dwellings. Lessor’s Risk Liability—available on any number of one- to four-family dwellings. Property—available on any number of one- to four-family dwellings for commercial named insureds.
Application – Habitational Application
EMPLOYMENT AGENCIES (TEMPORARY CLERICAL OR RETAIL)
Employment agencies placing individuals in temporary clerical or retail assignments.
Entertainers who typically perform on a local level, such as private parties, fairs/exhibitions, neighborhood carnivals, and theatrical companies.
EXCAVATION / GRADING OF LAND
EXERCISE AND HEALTH STUDIO
Coverage available for the following:
Application – Exercise and Fitness Club
- Aerobic studios
- Exercise & health equipment clubs
- Personal trainers
- Masseuses/massage parlors
- Dance studios
- Weight lifting gyms
- Physical therapists
- Swimming Instructors
- Tai Chi studios
- Yoga studios
EXTERMINATORS AND PEST CONTROL SERVICES
Pest control services responsible for the detection and/or treatment of insect and animal infestations (such as rodents, birds, bats, raccoons, etc.). Application of herbicides. Algae and plant control in lakes, ponds, rivers and streams. Accounts placing and removing radon test canisters.
Application – Exterminators General Liability
Flea markets, bazaars, swap meets, farmers’ markets, antique markets, and new merchandise marts where the owner/operator rents space to vendors.
Application – Flea Markets, Swap Meets, Bazaars General Liability
FOOD & BEVERAGE MANUFACTURING
Food and beverage manufacturing and processing for specified classifications. Meat, Fish, Poultry, Seafood Processing or Curing, Meat Packing Houses/Plants and Rendering Works operations must be approved for operation either by Food Safety and Inspection Service (FSIS) under jurisdiction of United States Department of Agriculture (USDA) or by an equivalent state or federal regulation and inspection program.
FORECLOSURE / EVICTION CLEANUP
Preparing homes, condominiums, apartments and commercial buildings for sale or rental, after the prior owner or tenant has vacated the premises due to foreclosure or eviction. Services typically include removing remaining belongings and trash, general cleaning and other incidental services, such as, cosmetic repairs, wall painting, removal and/or installation of new carpeting, floor refinishing, and landscape maintenance.
Application – Foreclosure Eviction Cleanup Supplemental
GENERAL CONTRACTORS – COMMERCIAL
General Contractors who have administrative or managerial responsibility for commercial construction projects and exercise supervisory control of operations, whether direct or indirect, performed by employees and insured subcontractors in a variety of trades. Examples include: • Commercial General Contractors • Commercial Remodeling General Contractors • Owner/Builders (commercial buildings) acting as the General Contractor • Commercial Paper Contractors
Application – General Contractors Developers General Liability
GENERAL CONTRACTORS – RESIDENTIAL
General Contractors who have administrative or managerial responsibility for residential construction projects and exercise supervisory control of operations, whether direct or indirect, performed by employees and insured subcontractors in a variety of trades. Examples include:
- Residential General Contractors—12 or fewer new single-family residences per year or at any one project site. (A duplex is equivalent to two single-family residences.) Condominiums and townhouses prohibited. (AK & OR—see State Exceptions.)
- Residential Remodeling General Contractors.
- Owner/Builder acting as the Residential General Contractor.
- Residential Paper Contractors.
Application – General Contractors Developers General Liability
GOLF COURSE, MINIATURE GOLF COURSE&DRIVING RANGE
Public and private golf courses, including country clubs, miniature golf courses, and indoor or outdoor driving ranges.
Small grocery, convenience, dairy products, and meat, fish, poultry or seafood stores selling food and beverage items and miscellaneous household supplies primarily for off-premises consumption. Stores may also include fuel sales, including compressed natural gas, and/or one drive-through, automatic car wash bay.
Application – Convenience, Grocery and Liquor Store
Health Care/Social Services Facilities offering voluntary outpatient and/or temporary stay services. Outpatient Services (Non-medical) Aftercare and support programs (AA, AL-Anon, etc.). Crisis counseling or guidance centers (rape, domestic violence). Non-medical drug and alcohol rehabilitation centers. Temporary Stay Services (Non-medical) Crisis Centers (rape, domestic violence, displacements due to fire or other disasters). Non-medical drug and alcohol rehabilitation centers. Homeless shelters for families or adults with only incidental on-premises medical staff. Mission, settlement or halfway houses (with beds) with only incidental on-premises medical staff.
Application – Halfway House Application
Businesses that supply professional and non-professional home health care services or miscellaneous services to individual residential locations. Professional Services are those provided by Licensed Practical Nurses (LPN), Licensed Counselors, Licensed Vocational Nurses (LVN), Physical Therapists, and Registered Nurses (RN). Non-Professional Services are those provided by Certified Nursing Assistants (CNA), Homemaker Health Aides, Nurses’ Aides, Nursing Assistants—Registered (NA/R), Patient Care Assistants, Social Workers, State Tested Nurse Aides (STNA), Student Nurses, and similar services. Miscellaneous Services are those provided by Babysitters, Errand Service, Homemaker Aides (not Homemaker Health Aides), Mail Pick-up, Nannies and Shopping Service.
Application – Home Health Care General Liability
HUNTING CLUBS, PRESERVES, AND SHOOTING RANGES
Applicable to hunting/shooting clubs, hunting preserves and shooting ranges. Shooting ranges may include indoor or outdoor, private or public, archery, pistol, rifle, skeet and trap shooting. Landowners who allow hunting on their properties by hunt clubs or individuals should be rated as hunting preserves.
Application – Hunt Club General Liability
Janitorial services including construction make-ready operations (interior cleaning prior to house closing), and crime scene cleanup. Not intended for debris removal contractors.
Application - Janitorial
Vacant land is defined as land with no development, no infrastruture, no
existing occupied buildings, no events held on the property, and no operations
conducted, comtemplated or completed on the land.
Real Estate Development Property
When the insured is the owner of the property on which real estate development
is occurring. The general contractor hired must provide evidence of insurance
naming our insured as an additional insured on their policy. The general
contractor should hold our insured harmless
Land Lease to Others
Teant use of land can be for grazing, hunting, camping, fishing, parking, farming,
cross-country skiing, strip mining, quarries, etc. The tenant should provide
evidence of insurance to the owner, and include the owner as an additional
Application – Landowners and Vacant Land Application
Landscape gardening, lawn care services, and sprinkler installation and maintenance as primary operations. Including incidental tree trimming services (15% or less of total sales). Incidental snow removal is allowed for an extra charge. This is not intended for landscape architects who do not perform the work or subcontract all the work.
Application – Landscaping
Buildings leased or rented to others for commercial occupancy.
Application – Lessor’s Risk
MACHINERY AND EQUIPMENT – INSTALLATION, SERVICING OR REPAIR
Various trade operations engaged in the installation, servicing or repair of machinery and equipment. Application – Machinery and Equipment Supplement
Martial Arts training including boxing and wrestling—amateur only. Application – Martial Arts Studio Supplemental
MEDICAL EQUIPMENT SUPPLY STORES
Medical equipment dealers, including rental and leasing services, whose primary business is the rental and sale of home health care products to consumers. Typical items for sale or rental would be bed pans, braces, canes, cervical collars, crutches, heating pads, hospital beds, nebulizers, oxygen equipment and tanks, lift chairs or hoists, plastic or rubber sheeting, traction apparatus, trusses, vaporizers, walkers, and wheelchairs.
MOBILE HOME PARKS & CAMPGROUNDS
Permanent or tourist mobile home parks, RV parks, and campgrounds. Application – Mobile Home Park
Establishments providing lodging, meals and other services.Application – Motel Program Supplement
Owner-occupied office buildings and office space leased to the insured for on-premises exposures only.
Guide services for hunting, fishing, hiking, backpacking, or cross country skiing. Outfitting operations that provide outdoor equipment and supplies without guiding are also eligible. Application – Outfitter Guide App
OWNERS / TENANTS PROTECTIVE
This product is designed to cover the interests of an entity entering into a contract with a general contractor to develop land or renovate an existing location. Application - Owner's/Tentants Protective
Parking lot, driveway or sidewalk cleaners/sweepers, paving/repaving and maintenance involving operations such as: oiling, seal coating, stripe painting and snow/ice removal. PAWN SHOP Operations lending money on articles of personal property left as security or purchasing personal property for resale.
Contractors engaged in the high pressure cleaning of sidewalks, driveways, outside surfaces of dwellings, commercial buildings, mobile equipment, building interiors and autos away from owned or leased premises. Sandblasting with abrasive material, including but not limited to sand, steel shot, corncobs, walnut shells and CO2, on or away from insured premises.
PUSH CART / FLEA MARKET VENDOR
Vendors with push carts, kiosks, temporary booths, and tables.Application – Pushcart Vendor
Material recovery facilities where aluminum, copper, clothing, glass, paper, plastics, rags and electronic devices (i.e. computers, televisions, monitors, and etc.) are separated from refuse, sorted and sold to others for processing.
Food service establishments, dine-in or take-out. Application – Bars and Restaurants
Security guard and patrol services (including off-duty police officers) providing armed or unarmed security personnel, with or without animals, and firearms training/certification schools. Unarmed Courier services are eligible when part of the overall operation. Application - Security Guards & related operations
Lessor’s risk exposure on strip shopping centers. To qualify, the centers must have at least five stores and 25,000 square feet or more for automobile parking at each location.
Short term event. Special events are unique and often do not fall into a well-defined classification. Contact your broker to discuss if your risk fits the criteria of our markets.
Application – Special Event
Amateur sports programs, camps, clinics and leagues—non-contact sports, including but not limited to the following: • Archery • Baseball • Basketball • Bowling • Cheerleading • Flag football • Golf • Soccer • Softball • Tennis • Volleyball Sport Camps: Overnight stay contemplated. Sports Clinics: Teaching and refining skills, no overnight stays. Tournaments: Games with teams not in the same league Application - Sports League Questionnaire
Private swim and racquet clubs that provide activities and/or facilities on a membership basis. Offsite competitions are included.
SWIMMING POOL CONTRACTORS, DEALERS, AND INSTALLERS
Contractors whose primary job is construction, excavation, installation, service, repair or renovation of in-ground or above-ground swimming pools, hot tubs and spas.
Application – Swimming Pool Contractors, Dealers, Installers
SWIMMING POOL MAINTENANCE
Accounts providing routine maintenance, servicing, pool openings and closings and cleaning of swimming pools, hot tubs and spas. Maintenance is limited to routine chemical application and minor repairs. Retail store exposures must be separately classified and rated.
Primary operation is providing lifeguard services, swimming instruction and CPR training for pool owners. All lifeguards and instructors must be American Red Cross (or equivalent) certified. For independent swim instructors, complete the Exercise and Health Studio and Personal Trainer Application
Tanning salons, including spray-on tanning, and tanning operations in connection with other operations.
Application – Tanning Salon
Tattoo and Body Piercing Applies to risks who use an electrically driven needle to insert colored dyes under the human skin to form pictures and/or words of the customer’s choosing.
Application – Tattoo and Body Piercing
TELECOMMUNICATIONS – COMMERCIAL
Program is available for commercial telecommunication operations, including the following: • Installation, service and repair of communications equipment on existing cellular towers • Line construction for telephone, telegraph, or cable TV transmission purposes, including new lines into communities (refer to the Artisan Program if 100% of operation) • Cellular tower erection contractors • Cellular tower existence hazard only—lessor’s risk only • Cellular tower existence hazard only—for towers owned and used by the insured only
Coverage applies to non-emergency vehicle transport of the public. It also applies to limousine services, pedicabs, airport shuttles and taxicab companies.
Tree Trimmers and arborists who plant, transplant, prune, fertilize, apply pesticides, brace, and remove trees as their primary operations. Incidental snow removal is allowed for an extra charge.
Application – Lawn Service, Tree Service and Felling, Landscape Gardening, Snow Removal Application – Tree Trimmers
Vacant or unoccupied buildings with incidental renovation work. Application – Vacant BuildingApplication - Vacant Building
Warehouse operations—private, public and mini-warehouses. Coverage is not intended for private warehouses that have other exposures, such as, manufacturing, public showrooms, retail or wholesale store operations that are conducted at the same designated location.Application - Warehouse
Welding contractors doing welding or cutting for others, with no more than 15% of receipts from metal erection and/or machinery/equipment installation, servicing or repair. Manufacturing operations are prohibited.Application – Welding and Machinery Equipment Application
To provide coverage for specialized wind and solar energy contractors, and wind and solar energy generating facilities. Coverage is available for the following:
- Solar Energy Contractors
There are two basic types of solar power: Photovoltaic (PV) and solar thermal. Operations would include the installation or maintenance of solar apparatus (i.e., mount solar panels; install storage tanks, pumps, valves, pipes and ducts; connections to buildings and/or electrical grid).
- Solar Energy Systems
Existence hazard only (lessor&quo;s risk only)
- Solar Energy Equipment Dealers or Distributors
- Wind Turbine Contractors—on-shore
Operations would include the installation or maintenance of “small” wind turbine/tower structures that produce less than 100 kilowatts (kW) of power for residential or small commercial buildings (i.e. site preparation; build foundation; install tower, wind turbine, gear box, blades and etc.; connect to buildings and/or electrical grid).
- Wind Farms—on-shore
Wind turbine energy generating operations owned and operated by the insured for the purpose of energy generation for sale to power companies. (Submission required if over 25 turbine/tower structures at any one location)
- Wind Turbines
Existence hazard only (lessor’s risk only)
- Wind Turbines Equipment Dealers or Distributors
Woodworking operations including but not limited to cabinets, furniture, windows and doors.