General Liability

• Occurrence limit options available from $300k to $2 million
• Aggregate limit options available from $600k to $4 million
• Optional coverage's
  • Hired and Non owned auto liability
  • WOS
  • Blanket additional insured

General Liability and Property

• TIV up to $50 million in house (No Florida property - limited appetite for other coastal locations)
• Replacement Cost or ACV
• Optional coverage's:
  • Coverage enhancement packages
  • Computers and Media up to $1 million
  • Blanketed Building and BPP
  • No coinsurance
  • Deductible $250-25,000
• Business Liability insurance rates competitive with any carriers.

• Up to 25 power units (additional units with carrier approval)
• Broad form coverage
• Optional coverage's:
  • Hired auto physical damage
  • WOS
  • Rental reimbursement
  • Lease Gap Coverage
  • Towing coverage

• Builder's Risk
  • New Construction up to $20 million in completed value
  • Frame construction is now offered for projects up to $2.5 million
• Contractors Equipment
  • Contractor's Equipment schedules up to $4 million in values an dup to $500,000 per piece of equipment
• Motor Truck Cargo
  • Trucking companies with up to $7.5 million in gross annual receipts or up to 50 power units

Workers Compensation

• All States (excluding monopolistic states)
• Optional coverage's:
  • Extended Broad Form Endorsement
  • Employers Liability Stop Gap
  • WOS
  • Monoline for majority of classes

• EPLI
• D&O
• Employee Dishonesty

• Cause the insured to sustain a loss
• D&O

There are several types of Employee Dishonesty bonds:

• Is your client looking for 1st party, 3rd Party, and/or Theft of Clint Property off Premises?
• 1st party- automatically gets 3rd party only coverage while on the insured's premises only. No coverage is provided if the employees are away from the insured's location.
• 3rd Party only-coverage is provided while the employees are on the insured's premises only.
• Theft of Client Property off Premises- provides 3rd party coverage while the insured's employees are on the clients premises. This also includes 1st party coverage.
• Motor Truck Cargo
• Ocean Cargo
• Builder's Risk
• Contractors Equipment
• Umbrella 1 to 10 million
• Foreign Liability