Having a hard time placing your monoline property risks? We are able to offer the following products as monoline property policies or as a package policy with liability coverage:

• 1-4 Family Dwellings
• Apartments
• Bars/Restaurants/Taverns
• Builder's Risk/Rehabs
• Child Care
• Contractor's Equipment
• Fitness Centers
• Foreclosures
• Hotels/Motels
• Lessor's Risk Only
• Manufacturing Risks
• Mercantile
• Shopping Centers
• Vacant Buildings
• Warehouses
• AND MANY MORE

Low Minimum Premiums!

Achieving Success Selling Excess and Umbrella Coverage

Today, nearly 10% of companies have suffered a liability loss greater than their primary limits!

Consider the following actual claim:

A variety store sold a small propane grill to a customer. The propane tank exploded, severely burning eight people. The customer used the stove in an inappropriate manner by placing a pot that was too large on the burner

Settlement of $3,900,000. The store was held liable for products coverage.

As lawsuits and jury awards increase, few businesses can afford the financial burden of such litigation.

• We can offer limits up to $10,000,000 in excess limits over 700 classes of business.
• We can also offer unsupported excess and umbrella over other carrier's primary.
• Minimum premiums start at $500

We can provide a comprehensive product for both commercial and residential Child Care Facilities.

Package premiums starting at $600!

Policy Features May Include:

• Professional Liability for no additional charge
• Child Molestation and Abuse Limits up to General Liability Limit with no Liability Deductible (Commercial)
• Definition of Abuse includes corporal punishment
• Med Pay coverage automatically provided for no additional charge for enrolled students
• Hired and Non-Owned Auto Coverage
• Employees including Directors and Assistant Directors are insureds under Child Molestation and/or Abuse Coverage (Commercial)
• Coverage for facilities that care for children with special needs
• Coverage for facilities with pets and field trips
• Defense Cost Reimbursement Coverage for false Child Molestation and/or Abuse allegations against the facility owner, operators and employees
• Coverage for extended hour and overnight commercial Child Care facilities and/or "drop in" centers
• Special Form including Theft and Replacement Cost coverage available
• Equipment Breakdown coverage including spoilage of perishable items

Additional Advantages:

• A.M. Best Rated A++ Carrier
• Quick quote turnaround
• Superior policy issuance
• Low minimum premiums

Property Managers Professional Liability

Underwriters have expanded their Property Managers Professional Liability product into a Package that addresses the main areas of liability for Commercial and Residential Property Managers.

Product Features:

• Errors & Omissions - Provides coverage is sued while providing professional services in the management or leasing of property
• Tenant Discrimination - Optional coverage for defense and indemnification if sued by a third party for allegations of discrimination
• Employment Practices Liability - Optional coverage if sued in your capacity as an employer for Wrongful Employment Acts. In addition, our product offers coverage for individuals who are employed by the owner of the building being managed
• Premises Preferred Package - Optional Package available for the Property Manager's office that includes General Liability written on an Occurrence Form with optional Property coverage on a Special Form

Additional Advantages:

• Coverage available for the management of Insured's Personally Owned Property
• Additional Insured status automatically provided for any entity whom the Named Insured has agreed to provide Professional Services
• Separate limits for each coverage part
• Personal Injury included at no additional premium
• A.M. Best A or Better Rated Carrier