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We Write Vacant Dwellings All Day Long

  • Annual Policy with Quarterly Installments
  • All Protection Classes, including 9 & 10
  • No age or length of vacancy limitations
  • LOW Rates and Deductibles

3-Month Package Minimum Premiums:

  • $100 for Property (Basic Form, Fire, EC & Vandalism)
  • $38 for Liability ($100,000 GL limit - higher limits available with minimum premiums up to $50 at a $1,000,000 limit)

Additional Policy Fee to Apply

Child Care and Nursery School Product

We provide a comprehensive product for both commercial and residential Child Care facilities that is priced to sell.



  • Professional Liability for no additional charge
  • Child Molestation and Abuse limits up to the General Liability Limit with no Liability Deductible (Commercial)
  • Definition of abuse includes corporal punishment
  • Medical Payments coverage automatically provided for no additional charge for enrolled students
  • Defense Cost Reimbursement coverage for false Child Molestation and/or Abuse allegations against the facility owner, operators and employees
  • Employees including Directors and Assistant Directors are insureds under Child Molestation and/or Abuse Coverage (Commercial)
  • Hired and Non-Owned Auto coverage
  • Coverage for facilities that care for children with special needs
  • Coverage for facilities with pets and field trips
  • 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
  • Value Plus Endorsement is available on accounts eligible for Special form offering 14 optional coverages for one low flat charge including: Signs, Money & Securities, Employee Dishonesty, Accounts Receivable coverage and much more


  • A.M. Best rated A++ carrier
  • Quick quote turnaround
  • Superior policy issuance
  • Low minimum premium

Corporate Directors and Officers & Employment Practices Liability - Professional Liability


Business Man
  • Directors & Officers risk their personal assets. They are personally liable for their business decisions and can be sued as individuals
  • Fiduciaries of pension and benefit plans are personally liable for their decisions as well as for the actions of outside providers
  • Small companies cannot bear the financial impact of unexpected and costly Directors & Officers, Employment Practices or Fiduciary Liability litigation without insurance
  • Private companies face claims from their employees, customers, suppliers, competitors, lenders and shareholders


  • Matching Directors & Officers Liability Defense Limit up to $1,000,000 (for firms with up to 200 employees)
  • Defense outside the limit for Employment Practices Liability for up to 200 employees
  • Defense and Settlement Provision ("Hammer Clause") - 75/25
  • Individual Director or Officer Payment Protection ("Order of Payments")
  • Punitive Damages, where insurable by law, included automatically (available in most jurisdictions)
  • Fiduciary Liability coverage can be added to the Directors & Officers Liability section up to $1,000,000
  • Fair Labor Standards Act (FLSA) - $100,000 sub-limit for defense costs and loss (available in most jurisdictions if Employment Practices Liability is purchased)
  • Optional Third Party Discrimination coverage
  • Unlimited Extended Reporting Period for former Directors & Officers
  • Separate limits for Directors & Officers Liability and Employment Practices Liability
  • Automatic Outside Directorship Liability coverage for service on 501(c)3 boards
  • Stand alone Directors & Officers Liability policy is available
  • Duty to defend and Full Prior Acts coverage


  • A.M. Best rated A++ carrier
  • Quick quote turnaround
  • Free human resources consultation HELPLINE with unlimited calls and no time limits and discounted online sexual harassment prevention training from PeopleSystems ® (Employment Practices Liability must be purchased)

Pet Care Product


Our Pet Care product is designed for pet day care and/or kennel operations with incidental pet product retail sales, pet training or grooming.

Coverage available as:

  • General Liability and Inland Marine
  • Package include property, general liability and inland marine
  • Veterinary Medical Expense coverage included
  • Professional Liability for grooming operations available
  • No general liability or inland marine deductible
  • Replacement Cost Coverage is available
  • Special Cause of Loss for property is available
  • New ventures are eligible


  • Money and Securities coverage
  • Equipment Breakdown
  • Glass
  • Sign
  • Employee Dishonesty
  • Stop Gap Liability (OH, ND, WA, WY)
  • Value Plus Endorsement is available on accounts eligible for Special form offering 14 Valuable coverage enhancements including: Water Back-up, Money & Securities, Employee Dishonesty, Signs, Transit and more


  • Property limits up to:
    - $3,000,000 in Protection Class 1-8
    - $1,000,000 in Protection Class 9 & 10
    - $500,000 in coastal area
  • Liability limits up to $1,000,000 Occurrence/$2,000,000 Aggregate
  • Inland Marine limits up to $5,000 Occurrence/$10,000 Aggregate
  • Excess or Umbrella coverage is available up to $5,000,000


  • A.M. Best rated A++ carrier
  • Quick quote turnaround
  • Superior policy issuance
  • Minimum premiums as low as $500

Need a quote? We'll get it to you fast!

Check out our website or give us a call for an application today!

Happy New Year!