Call: 401-351-0066 | 781-794-1400

Casualty

Whether you need general liability, product liability, or special event coverage, DeCotis has the answers to your casualty needs. Our surplus lines are known for getting the tough risks done. The more “hair” something has on it, the more successful we are at placing the account.

General Liability

From small artisan contractors to large habitational schedules with many locations, we specialize in both simple and complex GL solutions. Don’t bother spending your day calling and emailing people who won’t get back to you – call us first – we can help.

Submission Requirements

  • ACORD GL application or other carrier’s GL application
  • Class-specific supplements may be needed (artisans, janitorial, etc.)
  • 5-year Loss Runs if applicable
  • Resumes, licenses, or bios of key employees and owners if new venture

Highlights

  • Various limits and deductibles available
  • Custom endorsements, forms, and options available to tailor coverage for each account
  • Broad classifications available – very little we can’t write

Target Classes

  • General contractors, artisans, environmental contractors
  • Vacant Buildings & Gut Rehab Projects
  • Habitational schedules, apartments, condo associations
  • Janitorial services, pest control, interior designers
  • Barbershops, hairdressers & spas (including med-spas with medical staff)
  • Landscapers & Earth Movers
  • Various Lessors Risk Only accounts

Product Liability

When you need coverage for your manufacturing clients, turn to us. Manufacturers are subject to a broad list of liability exposures – consumers hold companies accountable during all phases of the lifecycle. These specific exposures require specialized insurance programs to adequately cover them. With many different carriers and coverage options available, we can help you place the right coverage with the right carrier.

Submission Requirements

  • ACORD application & Product Liability Supplemental application
  • 5-year Loss Runs
  • Detailed product descriptions and brochures
  • Prior carrier/policy information

Highlights

  • Claims Made or Occurrence forms available
  • New products and IBNR Risks OK

Target Classes

  • Abrasives, adhesives, chemicals detergents
  • Building supplies
  • Contractor equipment & cranes
  • Electrical equipment, medical equipment
  • Heating/HVAC equipment
  • Metal Goods, machinery, machinery parts
  • Modular homes
  • Motorcycles/scooters/ATVs/snowmobiles
  • Tools, paint, plastic & rubber goods
  • Sporting goods, toys
  • Wood products

Product Recall

Years of engineering and development can be jeopardized by one claim. In the United States, thousands of products are recalled every year and these campaigns occur more often now than ever before. A complex and expensive recall can threaten your client’s business – take the time to protect what they spent years developing, with a Product Recall insurance policy from DeCotis.

Submission Requirements

  • Product Recall application
  • Complete product info, brochures, safety sheets, etc.
  • Copy of Recall Program & Quality Control manual
  • 5-year Loss Runs on GL and any current Product Recall policies
  • Any additional information or narratives about the account are always helpful

Highlights

  • No minimum premium
  • Recall costs, consultant costs & defense costs
  • Many endorsements available – Loss of Profit, Adverse Publicity, Extortion Costs, Extra Expenses, etc.

Target Classes

  • Component Parts manufacturers & Finished Products manufacturers
  • Electronic & Medical Industry OK
  • Aviation & Automotive Industry OK
  • Appliances, Clothes, Furniture, Household & other Consumer goods
  • Sports & Exercise equipment
  • Consumable Products, Cosmetics
  • Food & Beverage
  • Pharmaceutical

Sexual Molestation & Misconduct

Sexual misconduct claims are excluded by most GL policies by default. Given today’s legal environment and increasing lawsuits, insureds need this coverage more than ever before. Why not offer your insureds total piece of mind and let DeCotis provide superior protection where others can’t? This coverage can be offered Stand-Alone or as part of a GL package policy.

Submission Requirements

  • Sexual Molestation application
  • 5-year Loss Runs – details on losses & current status

Highlights

  • Available stand-alone coverage or as part of a GL or package policy
  • Various limits available
  • Coverage may include negligent hiring, employee training, or incident investigation
  • Worldwide coverage available
  • Broad definition of insured persons

Target Classes

  • Day Care risks
  • Tutoring companies
  • Bus transportation
  • Tradesmen, janitors, medical offices working on school campuses
  • Auto Repair & Tow Truck operators