Liability insurance covers your clients and their businesses from losses. There are many different types of exposures businesses can encounter ranging from technology to case law changes in the various jurisdictions. We’ll help you customize this critical category of risk management insurance to fit your clients’ specific needs through our broad admitted and non-admitted markets. In addition to the basic coverages, we offer optional coverages including, but not limited to medical expenses, personal and advertising injury, and blanket additional insureds.
1Artisan Contractors
- Air Conditioning
- Carpentry
- Driveway Paver Installations
- Electrical
- Handyman
- Landscapers
- Painters Residential & Commercial
- Plumbing
- Tile, Stone Installers
- Tree Trimmers
2Commercial Umbrella & Excess Liability
- Rated Carriers or Better
- Admitted & Surplus Lines Markets Available
- Contracting Risks – Commercial
- First Layer or Excess Coverage
- Habitational
- Hotels/Motels
- In-House Programs Available – In-House Binding Authority
- Industrial Accounts
- Products Manufacturers & Distributors
- Real Estate – Commercial & Habitational
- Service Industries
- Transportation – Excess Coverage
3Contractors
- Commercial Developers
- Contractors Equipment Rental
- Crane Operators
- Developers – Residential & Commercial
- General Contractors (100% subs)
- Janitorial – Floor Waxing
- Roofers
- Sprinkler/Fire Protection Systems
- Street and Road
- Swimming Pool Installers
4Earthquake
- 1-4 family
- corporately or individually owned properties
- low to high value
- high value package policies including paf, umbrella, excess flood & auto
- primary, seasonal, rentals & vacation rentals, builders risk/renovation, vacant/unoccupied
- high profile accounts (actors, sports figures, politicians)
- poor claims history
- pc 9/10
- home based-business
- premises liability up to $1,000,000
5Entertainment, Sports & Leisure
- Amusement Centers
- Amusement Rides & Devices
- Batting Cages
- Campgrounds
- Climbing Walls
- Golf Hole in One
- Haunted Houses
- Horse Trail Rides
- Prize Indemnifications – All Types
- Riding Instructions
- Sports Camps
6Liquor Liability
- Adult Entertainment
- Assault & Battery – available
- Bars, Taverns
- Country Clubs
- Night Clubs
- Package/Retail Stores
- Restaurants
7Mercantile
- Bars, Taverns
- Book Stores
- Caterers
- Equipment Rental Stores
- Flea Market Vendors
- Grocery Stores
- Pawn Shops
- Restaurants
- Supermarkets
8Miscellaneous
- Accident & Medical – Stand Alone
- Glass-Stand Alone
- International Travel Package
- Kidnap & Ransom – Domestic & International
- Owners, Contractors Protective – OCP
- Railroad Protective Liability
- World Risk – International Insurance Program
9Personal Services
- Adult Daycare
- Exercise Clubs
- Home Health Care
- Massage Therapists
- Spas
- Tanning Salons
10Premises Liability
- Dwellings – Rental
- Lessor’s Risks
- Mobile Home Parks
- Offices
- Real Estate Development Property
- Self Storage Warehouses
- Shopping Centers
- Strip Shopping Centers
- Vacant Land
- Warehouses
11Product Liability
- Automotive Parts & Accessories
- Chemical
- Consumer Goods
- Cosmetics & Personal Care Items
- Distributors
- Electronics
- Food & Beverage
- Manufacturers
- Marine Products
- Medical Related
- Sporting Goods
12Special Events/Spectator Liability
- Annual Policy/Scheduled Events Available
- Athletic Events
- Charity Events
- Concerts
- Festivals
- Parades
- Trade Shows
13Special Programs
- Alarm Installation – Burglar & Fire
- Apartments
- Beauty/Barber Shops/Nail Salons
- Churches & Synagogues – Storefront & Traditional
- Condo Units – Owners & Investors
- Condominium Association
- Convenience Stores
- Daycare Centers – Residential & Commercial
- Distributors – Domestic & Foreign
- Exterminators/Pest Control
- Homeowners Associations
- Hotel / Motel
- Janitorial
- Laundry/Laundromats
- Medical Equipment Stores
- Medical Offices
- Mercantile
- Premises Preferred Program
- Security Guards