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Specialty Coverages

Open up new revenue streams by letting us help you write non-standard accounts.

Beat your competitors by offering your clients solutions that only the best agents think about. New revenue opportunities lie in being able to develop the true “specialty” accounts and programs never mentioned in CE Classes or daily webinars.
We can help you target accounts and evaluate new opportunities.

Snow Removal

When winter hits, make sure your insureds that do snow removal have the right coverage. You can also offer cities, towns and HOAs/Condo Associations protection against burning through their annual snow removal budgets. No matter what the situation, we have the snow removal solution – be it snow plow drivers on public highways or landscapers supplementing their main revenues with off season work. Talk to us.

Submission Requirements

  • ACORD and snow removal supplemental application
  • Loss history for both GL and as pertains to snow removal
  • Premium is 100% fully earned at binding and must be paid before binding coverage

Highlights

  • Competitive rates
  • Broad appetites

Target Classes

  • Public highways & roads OK
  • Mall & retail parking lots OK
  • Municipalities
  • Private contractors
  • Heavy Trucks & Equipment OK
  • Landscapers with snow removal exposure

Weather Insurance & Cost Containment

Don’t let your insureds get caught in the rain…

The financial success of so many outdoor events – professional sports, rock concerts & music festivals, fairs, parades, etc. depend on having good weather. The ability for insureds to buy protection for the receipts their events generate (be it event manager or event exhibitor) can be an essential reason for their success. Be sure to call us to give your insureds all possible options for protection, and ultimately, peace of mind.

Submission Requirements

  • Varies depending on nature of risk; see application section for examples
  • Historical information on the event or promotion being insured – talk to our office for specifics

Highlights

  • Competitive rating
  • Broad range of appetites
  • Custom solutions based on individual, unique needs of each risk
  • Manuscript endorsements available

Target Classes

  • Promotions – all kinds
  • Weddings
  • Sporting Events
  • Music concerts & festivals
  • Air Shows
  • Car Washes
  • Parades, Carnivals & Fairs
  • Many, many more – come to us with your custom risks & ideas

Cancellation & Non-Appearance

Unexpected cancellation of an event or keynote speaker can have a major financial impact on organizations & groups. Help your insureds protect revenue and expenses from event cancellation, postponement, relocation or abandonment for reasons beyond their control. Giving event organizers peace of mind that they’re protected for even the most unforeseen of circumstances will win you the trust – and thanks – of your valued customers.

Submission Requirements

  • Event Cancellation application
  • If available or applicable, previous loss information and/or event historical data

Highlights

  • Incredibly broad appetite with customization options
  • Very competitive pricing
  • Optional coverages available
  • High limits available

Target Classes

  • Concerts & Music Festivals
  • Trade Shows
  • Sporting Events
  • Fairs

Prize Indemnity

Having prizes or awards associated with different events helps promote participation, generate buzz and builds excitement for the participants. Allow your insureds to get creative with prize offerings and events and promotions. Whether it’s winning a car for a hole-in-one or $1,000 cash for swishing a half-court basketball shot, you’re clients will be able to rest easy knowing that their prizes are already taken care of.

Submission Requirements

  • Prize Indemnity application
  • Premiums are 100% earned

Highlights

  • Broad appetites
  • Competitive premiums

Target Classes

  • Prizes at events
  • Consumer sales promotions
  • Hole-In-One prizes
  • Basketball shots, Shoot the Puck, Soccer or Football Kicks
  • Predicting the score of a game
  • Scratch & Win
  • Custom promotions

Railroad Protective Liability

Don’t leave gaps in your contractors’ insurance programs – if your contractor clients are performing work on a railroad in doing work within close proximity to a railroad, their regular GL policy might fall short in the event of a claim. Talk to our staff – we can help.

Submission Requirements

  • ACORD & Railroad Protective Liability application
  • Work Order or Contract details as applicable
  • Loss History for both General Liability and RR Liability

Highlights

  • Competitive premiums
  • Custom endorsements available

Target Classes

  • General or artisan contractors doing railroad work
  • General or artisan contractors doing work within proximity of a railroad
  • Insureds that are required to have RRPL by contract or work order