Risk Alternatives & Management
3104 Creekside Village Dr. Ste 501
Kennesaw, GA 30144 770-4245770 770-424-5774 fax
email: [email protected]
Our experienced underwriters can access specialty coverages that
meet the standard and specialized needs of the insured.
An Overview of What We Offer:
Accident & Health/Occupational Accident
Workers Compensation
Excess Liability/Umbrella
Commercial Auto
Property Insurance
General Liability
Employment Practices Liability
Construction Customized Programs
Residential and Commercial Builder Plans
Hotel/Motel Markets
Restaurant Coverage
Environmental Programs
Builders Risk Insurance
Email or Call RAM today for the most competitive quotes
New ventures; No prior coverage; Tough Classes; High Mods; Assigned Risk Accounts… MARKETS STILL AVAILABLE!!!!
Monoline and Multistate (all policies have other states coverage as well)… Most classes qualify including trucking…
Improved payment plans available… Submissions need to be sent as soon as possible for lead time and competitive
quotes, but we can quote in 24hrs with all information provided. Must have FEIN and 5 year current loss runs, exp. mod.
worksheets and complete description of operations
Here are a few examples of the new eligible class codes, but there are many more
(EXP MODS up to 1.74- 1.49 in GA):
2710 (sawmill- GA,VA, SC, NC) 5551 (roofing) 9102 (park noc/lawn maintenance) 5606 (General Contractors) 6204
(drilling- GA,VA, SC, NC) 6319 (gas main) 6306 (water/ sewer) 3724 (millwright) 9403 (garbage) 9016 (amusement
park) 5610 (construction debris) 8293 (furniture moving & storage) 8500 (metal scrap dealers) 7600 (telephone/cable
company) 8263 (junk dealer GA, SC, TN) 8265 (iron scrap dealer) 9063 (YMCA/YWCA) 9061 (health clubs) 9084
(bars/taverns) 9220 (cemetery) 9554 (sign installation)
9534 (mobile crane ops - GA,VA, SC, NC) 9620 (funeral homes) 2759 (pallet mfg)
4000 (Sand & Gravel) 9402 (Street clean) 0401 (Cotton Gin) 7613 (Telephone cable) 7370 (Taxi VA, NC) & 7232
7390 (water - VA, MS, SC, NC, TN) 7580 (sewage- VA, MS, SC, NC, TN)
Unmodified PREMIUMS < $130,000 QUOTED IN HOUSE within 24 hrs with mods up to 1.49 in GA (1.79 in AL and 1.74 as
shown above)
Submission Check List: ACORD 125 and 130; experience mod worksheet; 5 years currently valued loss runs; and
supplement if required. Current financials may be needed on large accounts or those with high deductibles/retentions.
(Note- accounts with FL exposure need the ACORD 130FL which must be notarized)
Common Errors: No FEIN or SSN; No risk ID or exp. mod. when one exists; entity type incorrect or not shown; yrs in
business not indicated; incorrect effective date; incorrect class codes; # of ee’s not shown; officer/owner information not
shown; incomplete business description; failure to answer some of the 24 listed questions; no contact name/phone;
current officer exclusion forms not signed; ACORD 130 not signed by agent AND insured.
Additional RAM Support: ERM 14’s; Waiver of subrogation request forms; NCCI Hazard Group list; Forms required by
other states’ workers’ compensation regulators (officer exclusions); OSHA requirements; contacts for monopolistic state
coverage; self insurance or high retention programs; Safety program development; ACORD 130FL for FL; links to
information websites for WC issues.
Check List for ACORD 131:
Hundreds of SIC codes qualify for on line rapid quotes for
insureds with annual revenues up to $100
million…High limits available ($50 mil)
Key UMBRELLA coverage features are:
Limits up to $50 million
$250,000 advancement of the umbrella limit for crisis
response costs in the event of a covered crisis
$50,000 for public relations expenses in the event of a covered
crisis (in addition to applicable limits)
Advertising injury coverage includes infringement of copyright
and trademark in an insured's advertisement
Personal injury and advertising injury includes electronic
Coverage for vicarious liability arising out of intentional acts
Submissions require:
Commercial, Umbrella, GL, AL fully “completed”
ACORD forms
Underlying carriers must be A- VII or better
Losses must be less than $100,000 in any of the last 5
yrs/5 yrs. loss runs required
GL/AL policy effective dates must be within
6 months of the proposed umbrella effective date
More than 50% of revenue must be domestically
Underlying coverage must be on occurrence forms of
at least $1 million
Send copy of GL/AL dec page or quote**(must have!!!)
For contractors lists 5 largest jobs/revenue and height
___ Currently valued 3yr loss runs for GL ( ) AL ( ) Details on
claims > $100,000 ( )
___ Complete Insured Name ( ) Address ( ) # of employees ( ) Date
Bus. Started ( )
___ Sales/Revenue Current yr projection ( )
Last 3 yrs…quest #26 ( )
___ Current Carrier Name ( ) Eff Date ( ) Limits ( ) Premium ( )
AL ( ) GL ( ) WC ( ) Copy of GL quote or dec
page showing exclusions ( )
___ Higher limits required GL ( ) Completed Ops ( ) AL ( ) Limits
___ Defense Cost within limits ( ) quest #1
___ Are all coverages on an occurrence form?______
___ Complete description of business operations
___ Limits desired
( )
Deductible ( )
___ Any use of cranes ( ) quest #13
___ Subcontractors - Any uninsured or limits lower than insured ( )
% subcontracted ( )
___ Any foreign operations quest #23 & 24
___ List of vehicles required if umbrella covers over AL
___ Safety program in effect?
Supply copy of table of contents ( )
MVR’s Obtained ( )
___ List 5 largest contracts performed over the last five years to
include job name, type of work, height, revenue from
___ If construction related, % Residential_____ % Commercial
Building maintenance/cleaning; Business services; Carpentry;
Concrete; Taverns; Restaurants; Electrical; Furniture stores; General
contractors; Grocery; Hotels/Motels; Landscaping; Liquor stores;
Lumber/building materials; Masonry; Sports/Recreation clubs; Retail
Stores; Motor vehicle sales; Apartments; Mobile Home parks;
Painting; Perfumes/Cosmetics; Real estate; Repair shops; Special
Nail Down Your Quotes With RAM!!
For your specialized construction risks, we can access specialty
coverages, such as Excess/Umbrella, Property/Builder’s Risk,
Environmental, Management & Employment Practices Liability,
Professional Liability/A&E, Accident & Health and Foreign Casualty
and related foreign coverages, workers compensation, and
commercial auto.
Diverse Solutions for Diverse Needs
Our insurer veteran underwriters have years of experience writing
construction industry segment business and can create customized
programs to address your standard and specialized insurance
Target Accounts
($100,000 Min
Most Contractor
Classes except the
following excluded
- Workers’
- General
- Automobile
- General Contractors
- Residential
- Roofers
- USLH&W/Marine
- Demolition/Asbestos
- Iron/Steel/Crane
- Construction
GL & AL only
available for
contractors in all
- Alabama
- Arizona
- California
- Louisiana
- Lower Portion of
(South of PutnamRockland County
General Liability
($1,000 - $25,000)
Compensation and
Liability written
Guaranteed Cost
Physical Damage
Deductible ($1,000
or higher)
Customized Services
Through our integrated services approach, clients get a
comprehensive insurance program serviced by a team of
professionals who are construction-dedicated underwriting, loss
control, and claims specialists.
Construction-Dedicated Loss Control Services – Our carrier’s
construction safety and loss control specialists offer comprehensive
services that can include pre-job evaluations, job site audits,
qualified OSHA construction safety training, motor vehicle fleet loss
control programs, and accident investigations among other
services. Working with the agent and client, we can create a
customized program that can lower your cost of risk and increase
safety in the workplace.
Construction-Dedicated Claims Services – Construction claims
require timely, accurate claims management that helps clients
minimize claims-related exposures. With our insurer’s nationwide
network of workers’ compensation offices, we can help clients
control their workers compensation costs through a proactive and
fair multi-faceted approach that includes disability management
and early-return-to-work strategies. For liability claims, we offer inhouse construction claims counsel and external counsel to help
keep your expenses low by avoiding unnecessary litigation and
resolving cases quickly and cost effectively.
Monoline Workers Comp- Can be written as low as $5000
unmodified premium and up to 1.49 exp mod in GA, 1.79 in AL and
1.74 in many other states. Most construction classes are acceptable
for quoting.
Monoline Commercial Auto- Small AL can be written monoline for
contractors who do not qualify for the above program.
Monoline Physical Damage, Contractors’ Equipment & Cargo- A
specialized Lloyds market is available for this standalone coverage.
This is an E&S placement.
Transportation Coverage Overview
Primary AL ($1mil), Physical Damage, GL, Trailer Interchange, Workers Compensation, Cargo, Occupational Accident (10+ drivers),
Contingent Liability (employer protection from owner/operators claiming employee status), Trucker’s Passenger Accident. New carriersDump trucks now a “GO”! Also farm vehicles, pick ups, vans and other local delivery vehicles as well as construction related insureds are
targets. ACORDs 125, 132, 127 and 143 may apply. Three (3) yr loss data and MVR’s required. Contact [email protected] for
complete details.
Following are examples of comparative rates for different types of accounts (GA):
RAM’s Quote DIFF
Straight Truck
In the above illustration several constants were used: Liability limits were $500CSL and the UM cover was $500CSL with a $250 PD Ded. The
driver was 35 with a clean MVR (CDL A or B) and the radius was capped at 200 miles with the client being in business for a minimum of two
years with no losses. No Physical damage was considered and no filings were required. Our quotes can be generated on line provided all the
necessary information is furnished; therefore turn around time is minimal. GA examples used.
LONG HAUL…A+VX admitted insurers and most states (except LA & MA) are available. In addition to ACORDs, 2 yrs financial statements,
MVR’s, Equipment schedules, mileage reports (IFTA or Schedule B’s) and 4 yr currently valued loss runs are required. Acceptable risks are:
Trucking for hire, Truckload, Less Than Truck Load (LTL), Dry Van, Refrigerated, Intermodal/Container, Flatbed, Tanker, Specialized, Auto
Haulers and bulk commodities. Risks with environmental, tip over, catastrophic, weight shift, over size/over weight, require more underwriting
review. Please allow a minimum of three weeks to prepare quotes.
CARGO & PHYSICAL DAMAGE….Monoline Coverages for Physical Damage, Motor Truck Cargo and Contingent Cargo for
Truck Brokers are available in most states (E&S). Drivers (ages 25-65qualify) need a min. of 3 yrs verifiable exp with CDL license for
the type of equipment operated and no more than 3 minor violations or one accident in last 3 yrs. Equipment must be < than 15 yrs old. Large
accounts are eligible for monthly reporting. Physical damage max value is $250,000 (tractor-trailer). Cargo max limit is $300,000 per
vehicle and $1 mil per occurrence with std. $1000 deductible ($2500 for reefer breakdown)…combined phys dam and cargo deductible
considered. Debris removal & earned freight are included ($2500 each). 90% coinsurance applies. Acceptable classes vary by line. Lloyds and
non admitted markets used on monoline quotes. We can also quote Contractor Equipment Coverage as very competitive rates.
Workers’ Compensation
Classes 7728 and 7229 can be quoted up to 1.49 exp mod in GA (1.79 in other some other states) and as low as $5000 unmodified premium.
Related eligible classes are furniture movers, mail delivery, couriers, garbage etc
Occupational Accident (blanket and individual w/10 driver min.); Trucker’s Companion (roadside assistance); Monoline
Crime; Passenger Accident and Contingent Liability available in most states.
CRANE OWNERS face all kinds of danger on the job and can’t afford to lose their sole means of earning income. RAM can
offer low minimum premiums, low deductible, broad coverage, contractors’ equipment and general liability. Revenues
up to $750,000 qualify FOR SMALL program. (Large operators program up to $50mil gross receipts also available).
Equipment Coverage:
Limit per schedule on file, all risk broad form – No coinsurance – Auto/Truck Physical Damage – No boom weight/length
Other features are: Scheduled Equipment per application on file (submission), Employees’ Tools, Equipment Leased to
Others, Rental reimbursement, Custom Riggers (“on-hook”) liability, Auto/Truck Physical Damage
Any type of heavy or contractor’s equipment except Logging and Underground Mining
Optional Coverage includes boom and overload, equipment in transit, flood to $5 million, waterborne.
Riggers/Installation Floater:
$2.5 Million Riggers (program authority) – Installation Floater up to $5 Million for any one project – Third party; loss of
use available – Deductible: $1,000 Minimum Deductible on flood and earthquakes: $25,000 – Transit and Off-Site
Storage, Flood and earthquake (no earthquake in California) – Higher limits available as needed.
Small Crane General Liability:
Less than $750, 000 crane in receipts, crane owners with and without operators – Limits up to $1 Million.
Crane & Rigging Liability:
Greater than $750, 000 in receipts, crane owners with and without operators, millwright, rigging and heavy hauling.
Low Min Premiums:
Available: In all states except NY; No residential exclusion; Includes man baskets.
Submission Requirements:
Contactors supplemental & Crane application, ACORD 125, 5 years loss runs, list of equipment
WORKERS COMPENSATION COVERAGE in GA, VA, NC and other states for large accounts
Risk Alternatives and Management (RAM) can offer you a
comprehensive, flexible plan for residential and commercial builders.
RAM understands that business owners work to hard to build and
need someone they can trust to protect their assets. That’s why we use
companies that have been pioneering the development of insurance
solutions designed for construction professionals for over 30 years.
Coverage’s Include:
Theft: Tools, equipment, building and landscaping materials are
covered from the moment they are delivered to the job site.
Materials in transit and at temporary locations: Protects job
materials as well as office and tool trailers. Also includes coverage for
materials that are installed or uninstalled, including landscaping.
Mechanical and electrical breakdown: Covers breakdown of
plumbing, air-conditioning lines and elevators.
Sewers and drains: Covers backup of sewers and drains with no
Model homes and unsold dwellings: Optional coverage protects
model homes and their contents and completed homes that have not
yet been sold.
Profit: Ability to include your profit in the total estimated completed
To make the policy work for your insured, we offer a flexible range of
Choice of monthly reporting form, single structure, or deposit policy
options gives an insured the flexibility to pay for the policy as you
build the structure, rather than all at once.
Annual or Monthly Rates.
Volume discounts and installment premium payments
available for larger builders.
No deposit or special fee required, which lets the insured
keep more of their revenue.
No coinsurance penalty on losses under $25,000 if the
structure is properly reported.
Overhead and profit: Optional coverage to insure potential
overhead and profit on a job.
Builders Risk Reward program which offers a reward of up
to $10,000 in case of arson, vandalism or theft at the job site.
Option to have the policy in the homeowner’s or mortgagee’s
name with the builder as an additional named insured.
Policies available for remodelers, including coverage for the
existing structure if needed.
Interest of subcontractors or sub-subcontractors as
additional insureds.
Coverage for Larger, Commercial Jobs
Because of the flexibility of our builders risk plan, there is no
set size or value limitation. While certain guidelines exist, we
will be able to help you insure even the largest and most
intricate residential or commercial job.
The following conditions must be met:
Restaurants- Hotel Motel
RAM aggressively addresses restaurant/hotel/motel insurance and
risk management issues and we have built upon our experience to
develop a portfolio of coverage that addresses every facet of your
restaurant/hotel/motel operation. A partial list of available coverages
 Broad coverage designed for your industry and tailored to
your standards
 Competitive pricing from A.M. Best “A” Rated Insurance
 Responsive, fair claims services that protect the best
interests of policy owners
 Access to safety & loss prevention information specifically
for restaurant operations
 Property Insurance / Building; Tenant Improvements;
 Business Income ;Equipment Breakdown ;Food
Contamination/Spoilage ; Theft
 Crime/Employee Dishonesty
 General Liability
 Employee Benefit Liability
 Liquor Liability
 Workers' Compensation and Employers' Liability
 Auto/Valet Liability (including Auto Physical Damage)
 Umbrella/Excess Liability
This program is intended to provide all the standard
coverage required for a complete package of insurance and
risk management products and services specifically
designed to meet the needs of restaurants and preferred
Hotel and Motel operations.
 The structures should be modern, attractive and built after 1975.
 Premises over 25 years old must have proof of upgraded plumbing,
wiring, heating and roofing in order to qualify.
 Franchised food operations and hotel/motels such as Radisson,
Ramada, Holiday Inn, Best Western, Marriott, Hampton Inn, and
Doubletree Hotel shall be treated preferentially due to strict adherence
to franchise requirements for customer satisfaction of safety.
 Accommodations must be open 12 months of the year and should not
be made for long-term tenants. Rentals for less than a 24-hour period
are prohibited. 65% avg occupancy required.
 Premises must comply with NFPA Life Safety Codes and ADA
regulations. Property must have a minimum of one ADA compliant
guest room available.
 Restaurants or Hotels of two or more stories must have a written
evacuation plan to anticipate fires and other major disasters. Such
plans must be reviewed in semi-annual safety meetings with entire
 Buildings over two stories must be fully sprinklered with adequate
means of egress in order to qualify.
 When elevators are present, a written plan for elevator failure and
passenger evacuation must be reviewed in semi-annual safety meeting
with entire staff.
 Owners or managers should have a minimum of three years of
restaurant/ hotel/motel management experience.
 There must be a 24 hour manager on premises at all times for hotel.
Restaurants open < 18hrs.
 All units must be equipped with a smoke detection alarm. Battery
powered units must be checked monthly; such checks are to be
documented in written form.
 All General Underwriting criteria as per supplemental application
must be acceptable.
 No tableside cooking
GL,AL,Workers Compensation, Property, Crime, EPLI or
Special Events!!!
Environmental and General Liability Exposures (EAGLE)
(coverages can be adapted to meet the SPECIFIC needs of the insured) Special Supplemental Application Required; Allow 25
business days for quote.
The EAGLE Umbrella (up to $25 mil) follows form over the EAGLE primary policy ($1mil/$2mil/$2mil GL) providing general liability
as well as pollution legal liability coverage for specified locations. Pollution liability coverage is not available in most standard liability
umbrella policies, leaving companies uninsured for this exposure. This coverage gap is addressed with the EAGLE Umbrella.
The EAGLE Umbrella follows form over the EAGLE primary policy and can exclude pollution legal liability coverage if such coverage is
not desired.
The EAGLE program provides the Insured with a single point of contact for primary and umbrella liability coverages, including
pollution legal liability.
Purchasing General Liability and Umbrella coverages from one insurer eliminates problems in claims handling that can occur when the
primary and umbrella coverages are placed with different insurance companies.
GL, AL, WC, Umbrella and Property can be quoted. Appropriate ACORDs are required w/5 yr loss runs.
Min. Premium-$20,000
Coverage Parts A,B,C- Standard GL; Part D-1 Gradual Pollution; Part D-2 Sudden & Accidental; Part E-1 Pollution from hostile fire; Part
E-2 Products; Part E-3 Misc. Contractors Pollution; Part E-4 Pollution from transported cargo. $50,000 AD&D; $500,000 Accident
dismemberment and $10,000 severe burn is standard.
Upgraded coverage-Broad form named insured (> 50% ownership); Per location agg; Newly acquired entity; Non-owned watercraft up
to 75ft
The EAGLE Umbrella follows form over the underlying EAGLE policy, including the general liability and pollution legal liability
coverage parts.
The EAGLE Umbrella is available over auto liability and employers liability ($1,000,000 minimum underlying limit).
The umbrella provides a drop-down coverage feature when underlying aggregate limits have been reduced or exhausted.
Auto Liability coverage within the Umbrella is not subject to the aggregate limit of insurance.
Pollution liability coverage for products is available.
Pay-on-behalf of the Insured.
Coverage can be provided on a non-auditable (flat rate) basis.
Abrasives; Asphalt; Aerosol; Biofuels; Fertilizer; Dairy Plants; Food Processing; Chemical Manufacturers and Distributors (M/D); Paper
and Pulp M/D); Paint and Coatings M/D; Pesticides, Herbicide and Insecticide M/D; Lubricant M/D; Solvent M/D; Foundry Operations;
Tool and Die Manufacturers; Ink M/D; Soap, Detergent and Industrial Cleaners M/D; M/D of Equipment used to cleanup, treat, monitor
or control pollution; Selected Light to Medium Hazard Products M/D; Waste Treatment, Storage or Disposal Facilities (including
Hazardous/Non-Hazardous Landfills; Transfer Facilities; Solvent Recycling Plants; Waste Water Treatment Facilities; Fixed Site
Incinerators); waxes
Income Opportunities with A&H products for the P&C Clients
For small business owners, obtaining access to affordable insurance has never assumed more urgency. Reasonably priced insurance
plans for the small business market segment have become increasingly harder to find. By offering our unique and innovative
products you'll expand your business and build enduring customer loyalty.
By working with the RAM’s Accident & Health markets you can enjoy a distinct competitive advantage because we have the
expertise to design flexible, affordable programs that we can customize to a specific group's needs. Some examples include:
Camp Insurance - Provides essential accident coverage for campers, staff, and volunteers.
Day Care Center Accident Insurance - Provides essential accident coverage for day care centers, nursery schools and other child care
Volunteer Accident Insurance - Provides essential accident coverage for many types of volunteer groups.
Hotel Guest Accident Insurance - Provides an easy, effective way to automatically cover hotel guests that may help ease the financial
burden of accidental injuries.
Medical Benefits for Small Employers- Providing medical coverage for employees is perhaps the largest cost exposure for employers
today. RAM has two plans “SecureCare” and “FlexShield” which can address those benefits in an affordable manner. Employer
contributions optional, discount provider access, dependent coverage, physician visits, diagnostic tests, surgery related to
covered incident. All coverages are capped and limited. (These plans are NOT intended to replace convention, comprehensive
medical & health coverage. The A&H plans can be used to supplement existing comprehensive health plans or to provide benefits
to an employee group where benefits are not typically offered.)
Business Travel-Companies have long recognized the need for Business Travel Accident Insurance, and we have offered unmatched
coverage and lump-sum benefits for covered accidents to meet the needs of their employees while traveling. We combine our
highly flexible Business Travel Accident Insurance with an unprecedented range of assistance resources for employees whenever
and wherever they go - whether around the block or around the globe. Our premier Business Travel Accident Insurance provides
flexible Accidental Death & Dismemberment coverage to complement a company’s general liability coverage. Pays benefits in
addition to Workers’ Compensation or any other insurance.
Vision Care- 60% of the US population wears corrective lens…2/3 of employees want vision care insurance!! This is a ‘voluntary’
benefit which adds great benefit perception with minimal cost. Most major providers are in the discount network. The benefit
encourages routine exams which can detect other health issues early as well as promotes responsible eye care.
Truckers’ Passenger Accident- All guest passengers of the independent contractors operating under Lease and Employee drivers of the
Policyholder who accompany the drivers on trips authorized by the Policyholder and whose names are on file with the
Policyholder. Hitchhikers, Helpers and children under the age of 10 (unless stated in the policy) are excluded.
These insurance plans provide an excellent affordable solution for smaller organizations. They complement your client's other
insurance coverages because claims are paid under an accident medical program, and will not affect their General Liability,
Workers’ Compensation or other general insurance policies.
TARGET RISKS: Restaurants, hotels, non profit/religious organizations, entertainment, trucking, construction, agriculture, seasonal,
daycare, automotive dealers, laundries, small business not eligible for true groups, telemarketing companies etc.
The Seafood Distribution industry presents an array of difficult exposures, from which many carriers have
turned away. RAM connects you to a broad range of coverage options and a dedicated underwriting
team, through A+ Rated Insurance Companies to help you select the coverages that best fit your clients’
specific needs.
Coverage Highlights
Underwriting Requirements
• ACORD application
• Updated financials
• 5 years of loss runs
• Current MVRs for all drivers, if auto coverage is
• A minimum of 4 years industry experiance
Workers Compensation
General Liability
Boiler & Machinery
Commercial Auto
This Program is written on admitted paper
Minimum premium $5,000 for all lines
No minimum deductible
1/3/2 limits available on General Liability
Property Limits available up to $25M TIV
Umbrella Limits up to $25M
Auto Limits are $1M CSL
Employment Practices Liability (EPLI)
The policy includes the broadest definition of employment practices
violation around, ground-breaking coverage for sexual harassment
and discrimination against customers, clients and other nonemployees. Our EPLI encompasses such previously uninsured areas
as retaliation suits, and employment-related libel and slander. All
EPLI insureds also receive EPL Pak® Premier, a unique package of
employment practices liability loss prevention services.
 Broadest definition of Employment Practices Violation
 Broad retention waivers (10% first offer/100% upon no
liability finding)
 Optional Duty to Defend (Insured has choice of controlling defense
or use Insurer)
 Broadest definition of Insured, including: Any leased
Employees. (Company must provide the same indemnification to
leased employees as it provides to non leased employees)
 Scheduled independent contractors and any Director, Officer or
 Specific pre-judgment and post-judgment interest coverage (within
Limit of Liability)
 Covers claims brought by Employees, applicants for employment
with the Company, EEOC and others; Spousal extension coverage
 Policy non-cancelable by the Insurer (except for nonpayment of
 Global titles coverage; Worldwide coverage
 Bilateral discovery; Optional one-, two- or three year Discovery
 Automatic multi-year runoff quote in the event of a Change in
 30-day post-policy reporting window Up to $50 mil coverage with
special underwriting.
Submission Requirements:
1)Most recent EEO-1 report; Latest annual report
2)Employee handbook/manual; Employment application forms
3)Employee performance evaluation forms
4)Employee disciplinary termination and out placement procedures
5)Procedure for handling employee complaints of discrimination
6)Procedure for handling employee complaints of sexual harassment
7) EPLI Application
Crime Insurance (monoline):
Every company (including trucking) is vulnerable to
employee crime: The average business forfeits some 6
percent of its total annual revenues to employee fraud,
according to the Association of Certified Fraud Examiners.
For a company with revenues of $10 million, that's a cost of
$600,000 each year. And it's not a risk any growing business
can afford to ignore. In fact, statistics point to smaller
companies, particularly those with fewer than 500
employees, as most susceptible of all to losses due to
employee dishonesty. Broad crime insurance responds to a
wide range of losses, including those resulting from forgery
or alteration, theft of money and securities, robbery and safe
burglary, and computer fraud. And it's designed to enable
small businesses to secure essential protection most costefficiently, with high limits of coverage and low minimum
Directors & Officers Liability: Provides protection to past,
present and future officers and directors. Entity coverage
extended to 50% or more ownership, new entity with
acquisition having 25% or less than combine assets. Not
cancelable by insurer; Spousal/estate protection; worldwide
coverage; 1, 2 or 3 yr extended reporting period; optional
duty to defend; pre & post judgment interest coverage etc.
Small Business limits: EPLI-$5mil ($2500 min. retention); Crime
$2.5mil ($250 min retention); D&O $5mil ($25,000 min rentention)
AIG WorldSource ®
Defense Base Act
Defense Base Act
In the present economic and political environment, the area of Defense Base Act (DBA or Act) coverage has never been more important. Today, as more and more U.S.
corporations enter into relationships with the U.S. government for a variety of projects involving the military for public works, such as the rebuilding of war-torn countries and
for the overall national security of the country, DBA coverage is vital—and mandatory. AIG WorldSource, a member company of American International Group, Inc.,
is uniquely qualified to work with you to navigate through this complex area. We have a dedicated claims staff with offices around the world and the ability to respond quickly
to any claims falling under this Act.
Background: Established in 1941, the primary goal of the Act was to cover workers on military bases outside the United States. The Act was amended to include public works
contracts with the government for the building of non-military projects such as dams, schools, harbors and roads abroad. A further amendment added a vast array of
enterprises revolving around the national security of the U.S. and its allies. Today, almost any contract with an agency of the U.S. government, for work outside the U.S.,
whether military in nature or not, will likely require Defense Base Act coverage.
Triggers for DBA — There are five provisions in the current version of the Defense Base Act that prompt coverage:
1. Any employee working on a military base or reservation outside the U.S.
2. Any employee engaged in U.S. government funded public works business outside the U.S.
3. Any employee engaged in public works or military contract with a foreign government
which has been deemed necessary to U.S. National Security
4. Those employees that provide services funded by the U.S. government outside the realm of
regular military issue or channels
5. Any employees of any sub-contractors of the prime or letting contractor involved in a contract
like numbers 1 - 4 above
Waivers — One should note that DBA coverage makes no reference to the nationality of covered
employees; thus, local nationals or third country nationals are automatically covered under the DBA.
Waivers can be granted, but they need to follow certain criteria, and only the Secretary of Labor is able
to authorize any such waiver. Key points for gaining waivers include:
• Class of employee must have available alternate means of compensation such as Employers
Liability, Workers’ Compensation, or Social Security
• Waivers can not be requested for any class of employee including U.S. citizens or those
employees hired inside the U.S.
• Agency letting the contract must recommend that such a waiver be granted
• No waivers have been granted for Iraq
• Contractor must file an application with the U.S. Department of Labor
AIG WorldSource ®
Defense Base Act
Defense Base Act (cont.)
Coverage Issues — Below are some key points to keep in mind regarding coverage situations.
The courts often rely on precedent when determining liability issues. Two doctrines known as the Zone of Special Danger and Reasonable Recreation are central to finding
coverage under the Act. The Zone of Special Danger doctrine requires that an employee’s injury or death occurs arising out of or in the course of employment. In addition, the
Zone of Danger states that where there exists unique conditions or circumstances of employment which place an employee in a zone of danger, then an accident resulting
in injury or death need not be strictly related to job duties. The Reasonable Recreation doctrine requires that an employee’s injury or death occur arising out of or in the course
of the employer’s furnished, funded or promoted recreational activities. Some non-sponsored activities may also be included. Please note that these two doctrines taken
together may not guarantee “24 Hour Coverage” for an employee.
Coverage Issues — Failure to obtain DBA insurance may carry stiff penalties. Government contracts generally contain a provision requiring bidding contractors to obtain
necessary insurance. Failure to do so may result in fines and possible loss of contract. Employers without DBA coverage may be subject to suits under common law wherein
common law defenses are waived. In other words, the claimants or their heirs sometimes need only file suit and may not have to prove negligence. Claims may be able to be
brought in Federal Court against the insured directly.
Claims — With AIG WorldSource’s ® domestic claims department working in concert with our sister organization, AIU (with offices in over 130 countries and jurisdictions
including United Arab Emirates, Jordan and Turkey), our claims executives are able to minimize your company’s risk and losses, as well as tend to the needs of the injured
employees. Our team is well versed in the intricacies of DBA coverage and its ever emerging issues. We endeavor to remain in constant contact with key Dept. of Labor officials
in Washington, DC to enable us to give the best possible advice to our clients.
Working closely with AIU, we developed a dedicated staff in Dubai, UAE to provide local DBA claim handling expertise to our multinational clients operating in the region.
Recognizing the local and third country employees, U.S. Department of Labor forms commonly used in the processing of DBA claims have been translated in Arabic and
Turkish languages. The staff is well versed in DBA and makes periodic visits to the U.S. to stay abreast of developments with DOL, AIG WorldSource stateside claim offices and
Finally, our Dubai claim office, using their local relationships and networks, have developed protocols and successfully delivered compensation to local employees in Iraq.
Additional Coverage — Recognizing the vital insurance protection provided by DBA, AIG WorldSource also provides an additional level of coverage. We include Accidental
Death & Dismemberment (AD&D) coverage around-the-clock for all covered employees: $50,000 AD&D for U.S. nationals and $25,000 AD&D for third country nationals and
$2,500 AD&D for local nationals. This coverage does not include protection for security firms doing business in Iraq.
In addition, AIG Global Benefits Network’s Natural Causes Group-Term Life Insurance coverage complements AIG WorldSource’s coverage by providing Term Life coverage
for a death not incurred due to an accident. For the loss of life due to illness, this coverage provides on a Guaranteed basis (no medical underwriting required) $100,000 for
U.S. Citizens/U.S. Hires and $25,000 for Third Country Nationals.
For clients looking for even more insurance protection, AIG member companies can provide full Travel Accident insurance. This includes high-limit AD&D coverage up to
$500,000, accident and emergency medical, medical evacuation and repatriation of remains. What’s more, full travel assistance is provided by AIG Assist. Employees can
access full 24-hour service in multiple languages for medical and legal referrals and emergency message services. Taken together, the package helps provide a valuable
program for employees working far from home.
Our DBA policies also include embedded Kidnap, Ransom and Extortion coverage for certain U.S. and third country nationals. This includes Wrongful Detention and
Hijacking in addition to Kidnap, Ransom & Extortion incidents. Covered losses include Ransom Monies, Consultant Expenses and Judgment as well as Settlements and
Defense costs.
Disclaimer: This document is not intended to and does not purport to provide legal advice. You should consult your own broker and your own lawyer for advice regarding and for an
explanation of which laws may or may not apply to you, your business, or your personnel. You should not rely on this as legal advice.
CONTACT INFORMATION Insurance Provided by Members of American International Group, Inc. ® AMS250 04/06
Insurance underwritten by members of American International Group, Inc. Travel Accident Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., with its
principal place of business in New York, NY. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy/service described. Please refer to the
actual policy/service for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions. For more information, please contact your broker or your local AIG
WorldSource/AIG WORLDRISK® representative.
AIG WorldSource ®
Foreign Comp Elite SM
Foreign Voluntary Compensation and Employers’ Liability Insurance
For multinational companies, protecting human capital has become an integral part of their risk management strategies. With more
and more employees traveling and relocating overseas, protecting the personal safety and well-being of these employees is critical
for companies to succeed in today’s global business environment.
Foreign Comp Elite, provided by AIG WorldSource ® , a unit of AIG Commercial Insurance, offers companies one of the most
comprehensive coverage forms available in the marketplace today. With new coverages added, frequently requested coverage
extensions built-in, flexibility increased, and the services of AIG Travel Assist, Foreign Comp Elite affords unparalleled benefits and
Coverage Highlights
• New coverages include First Response and 24-Hour Coverage for Business Trips
o Applies Employment Injury Benefits on a primary basis for all covered classifications of employees traveling overseas on a
business trip
o Option to convert coverage to Contingent by deleting this section
• Built-in coverage extensions include:
o Reverse Trip Travel for in-bound covered foreign-based employees who visit the U.S. or Canada on business trips
o Foreign Trip Travel coverage for covered Local Nationals or Third Country Nationals on business trips outside of their country
of assignment
o Endemic Disease
• Broadened basic coverage includes:
o Employee Injury Benefits Insurance
- Gives the policyholder optimum flexibility in selecting voluntary workers’ compensation benefit options for each Classification
of Employee
- No War or Terrorism exclusion applicable to Employee Injury Benefit section
o Supplemental Repatriation Expense
- Coverage for additional expenses incurred due to repatriation of injured covered employees
- Coverage applies to all covered classifications of employees, including local hires, on trips outside of their home countries
- Limits apply “per person” with no policy aggregate
o Employers’ Liability Insurance
- Limits re-designed
• Separate limits for Injury by Accident and Injury by Disease
• EL limits by Accident with no policy aggregate
• EL limits per Disease applying per Each Employee and Policy Limit
AIG WorldSource ®
Foreign Comp Elite SM
Foreign Voluntary Compensation and Employers’ Liability Insurance (cont.)
Benefits and Advantages
• Greater protection through expanded coverage, new enhancements, built-in coverage extensions and broadened basic coverages
• Increased flexibility in choosing benefit levels for U.S. or Canadian employees or travelers, Local Nationals and Third Country
• Allows the broker, risk manager and underwriter to work together to determine the variety of options available to meet the needs
of the policyholder
• Accidental Death & Dismemberment insurance endorsement is added to most policies and provides an additional benefit to covered
employees (other than local hires or nationals) including access to AIG Travel Assist
AIG Travel Assist
• Provides the most relevant and innovative services designed to ease the travel experience for travelers
• Highly-skilled travel assistance coordinators are available 24-hours-a-day, 7-days-a-week from anywhere in the world
• Specific services include pre-travel information, coordinating in/out patient care, arranging for shipment of medical records or
prescription medication, help with lost documents, medical and legal referrals, assisting in arranging emergency medical
evacuation, and much more
For more information, please contact your local AIG WorldSource representative.
This coverage is purchased at your discretion. This coverage is not a substitute for legally mandated workers’ compensation insurance for statutory benefits
pursuant to any applicable workers’ compensation law, social security plan, scheme, or fund whether private or state sponsored.
AIG WorldSource provides comprehensive global solutions to meet the property, casualty and specialty risk needs of U.S. and Canadian-based companies operating
overseas and foreign-based companies operating in the U.S. and Canada. As a division of the property and casualty insurance subsidiaries of American International
Group, Inc. (AIG), AIG WorldSource ® offers an unparalleled level of local expertise and local service through an owned network of operations in more than 130
countries and jurisdictions.
Health, Human and Educational Services
Line of Business
Primary General &
Human Services
Limits/Minimum Premium
Desired Classes
$1MM/$3MM Primary Limits(Standard)options available
Classes normally written on Admitted Paper:
$1MM Sexual Abuse/Misconduct available in Primary
Group Homes, Substance Abuse Facilities,
Occurrence and Claims Made Forms Available
Mental Health/Developmentally Disabled Facilities
Admitted and Non-Admitted Forms Available
In & Out Patient Counseling, Residential Facilities
Non-Owned Hired Car Available
Day Schools, Meals on Wheels, Referral Agencies
$25MM Available upon request
Senior Programs
Umbrella Liability
Sexual Abuse/Misconduct available up to Umbrella limits
$1MM Combined Single Limits
$25MM TIV (higher limits available)
$1MM/$2MM/$1MM Limits (standard) options available
At Risk Youth Facilities
Classes normally written on Non-Admitted Paper:
Adoption & Foster Care
$1 MM Physical Abuse & Sexual Abuse Coverage
General Liability
Automatic Foreign Liability for Students Abroad
Private & Community Colleges
Non-Admitted Forms
Automatically Included
Accidental Death &
$50,000 Per Person $5MM Policy Aggregate
Includes Staff and Students
Not yet available in: MA, IN, IA, MO, NC, PA, RI
Boarding Schools (all Ages)
Vocational Schools
$1MM-$10MM Available - Higher Options Available
Umbrella Liability
Up to $10MM in Sexual Abuse limits available.
Trade Schools
Building, Contents, Bus.Interruption, Loss of Rent
Special Cause of Loss Form
Private High Schools
Property-One Coverage Enhancement Form
** Extra Expense associated with Civil orders of
Charter Schools in all states EXCEPT:
Evacuation - subject to covered perils
$1MM Combined Single Limits
Educators Legal
Insurance quoted through member companies of
Chartis Insurance
Health, Human and Educational Services
Line of Business
Limits/Minimum Premium
$1MM/$3MM standard (higher and lower limits available)
Deductibles start at $0
Minimum Premium $2,500
Professional Liability
Types of Facilities include:
Diagnostic Radiology, Dialysis, Birthing,
Cancer Research, Community Health, Fertility,
Coverage for Employed Physicians is available
Disease Management, Medical Rehab,
PURE Claims Made Form - Prior Acts Available
Substance Abuse, Women's Health, Outpatient Care
*Broader than a claims made AND reported Form
Desired Classes
Defense Inside or Outside the Limit
Bariatrics, Lasik, Weight Loss Centers
Surgi-Centers, Urgi-Centers, Medical Spas, Hospice
Blood/OPO/Tissues Banks, Labs (Medical/Dental)
$1MM/$3MM standard (higher and lower limits available)
Pharmacies/Drug Wholesalers, Dental Clinics
General and Professional Liability limits apply separately
Ambulance/Ambulette Services
General Liability
Minimum Premium $25,000
Coverage written ONLY in support of AI Risk
Available via referral by Misc Health U/W
Managed Care Risk
Managed Care
Risk Solutions
See Lexington PropertyComplete for details
Health Maintenance Organizations (HMOs)
$25,000 Min. Prem- HMO/ All other $7,500
Dental Maintenance Organizations (DMOs)
Attachments $10K - $250K HMO/ All other $7,500 - 10K
Independent Physicians Organizations (IPA)
Claims Made Form
Physicians Hospital Organizations (PHO)
Defense Inside the Limit
Preferred Provider Organizations (PPO)
Broad coverage terms -
Medical Service Organization (MSO)
$5,000 Minimum Premium
Attachment Points from $10K-25K
$10MM in limits
Security & Privacy
Available online through ProgramConnect system
25MM in limits (Claims-Made Form)
25MM in limits (Claims-Made Form)
Directors & Officers
Miscellaneous Healthcare GL or PL
$500 Minimum Premium
Attachment Points from $25K -250K
Third Party Adjustors (TPA)
Vision Plans
Professional Liability Programs
Line of Business
Limits/Minimum Premium
Limits Ranging from $100,000 to $5MM
Deductibles Starting at $2,500
Architects &
Errors &
Omissions Liability
Min. Prem for $1MM limit starting at $1250
* ($1MM Limit)
Limits Ranging from $100,000 to $5MM
Minimum Premiums starting at $2,500
Primary & Excess
Design Professionals with less than 7.5MM in billings
Architects, Draftsmen, Interior Designers
Landscape Architects, Land Surveyors
Civil, Mechanical, Structural, Electrical Engineers
Structural Engineers Min. Prem $7,500*
Miscellaneous E&O
Desired Classes
Minimum Premium on Insurance Agents $2,850
"Agency" Construction Mgrs,
Excludes Product Design & "At Risk" Constr. Mgrs
Insurance Agents & Brokers, Tax Preparers
Real Estate Agents & Broker, Mortgage Brokers
Executive Recruiting Firms, Business Consultants
Billing Services, Consultants, Title Agents
Excludes: Medical, Legal, Environmental Profs
Excludes: Life & Health Agents, Financial Profs
Limits from $100,000 to $1MM
Premises Liability Coverage Available
Home Inspectors
Errors &
Omissions Liability
Entities involved in Home Inspections primarily for
Radon & Pest Inspections Coverage Available
Deductibles of $1,500/$2,500/$5,000/$10,000 available
the sale or refinance of homes and other structures.
Minimum Premiums as low as $1,500
Limits starting at $1MM
Tier 1: Up to $2.5MM in Revenue;
Minimum Premiums:
Up to 10% Group Travel Business
Tier: 1: $450
Travel Agents
Errors &
Omissions Liability
No Wholesale
Tier: 2: $1,710
Tier 2: $2.5MM+ in Revenue;
Tier: 3: $1,850
Over 11% Group Travel Business
No more than 65% Wholesale
Tier 3: Agencies with 66%
Professional Liability Programs
Line of Business
Limits/Minimum Premium
Eligible Classes
Occurrence Forms
Limits Ranging from $100,000 to $5MM
Minimum Premiums as low as $1,250
Tour Operators
Professional and
Desired Classes
Historical/Walking/Duck Tours,
Sightseeing/City Tours
CCC for Personal Property
Whale Watching, Water Sports
Defense Outside the Limit
Selected Types 0f Adventure Tours
Travel Supplier Bankruptcy Legal Liability Coverage
Excluded Tour Operations
Bungee Jumping, White Water Rafting
Medical Payments
Advertising Liability & Personal Injury
Non-Owned Hired Car available
Waterskiing, Paragliding, Hangliding, Scuba Diving
Snowmobiling, Spring Break Tours, Jet Skiing
Personal Lines
Line of Business
Homeowners: NonCoastal
Limits Minimum Premium
Coverage A (Building) limits starting at $150,000
Desired Classes
High Value Homes, Unprotected Properties,
Insureds with losses; Tougher Breed of Dogs
Coverage A (Building) limits starting at $500,000
Financially troubled Homeowners, Vacant Homes
Unsupported Secondary Homes
$20K min personal property limit; min prem $300.
"CAT" Exposed Insureds
Jewelry, Furs, Cameras, Musical Instruments,
Personal Articles Floater
Schedules of High Valued Possessions
Paintings, Sculptures, Fire Arms, Golf Clubs
Minimum Premium $750
Personal Lines
Personal Umbrella
$1MM min limit, monoline OR with homeowners.
Excess Flood
Must Meet NFIP underlying requirements:
People seeking Personal Liability Coverage limits
People seeking higher limits of Flood Coverage
$250,000 for Dwelling/$100,000 Contents
Builders Risk
See Coastal/Non-Coastal Homeowners Limits
Privately(Non-Corp)Owned 1&2 family dwellings
Sports & Fitness
Amateur Sports
Line of Business
General Liability
Accident & Health
coverage required
(available through
Chartis Insurance)
Limits/Minimum Premium
Desired Classes
$1MM/$5MM Liability Limits for Participants
Archery, Bowling Basketball, Baseball, Curling
Liability for Sexual Abuse & Molestation Available
Cross Country, Cycling, Cheerleading, Soccer
Employee Benefits Available
Non-Owned Hired Car Available
Football (Tackle, Flag & Touch), Lacrosse
Hockey (Ice, Roller & Field), Bodybuilding, Diving
Tennis, Badminton, Cricket
Minimum Premium $500
Amateur Sports
General Liability
Accident & Health
coverage required
(available through
Chartis Insurance)
Gymnastics, Skiing, Volleyball, and many others
$1MM/$5MM Liability Limits for Participants
Marathons, Cycling Events, Track Meets,
Liability for Sexual Abuse & Molestation Available
Swim Meets, Cheerleading Competitions
Employee Benefits Available
Non-Owned Hired Car Available
Gymnastics Events
Multi-day/Multi-Event "Relays"
Minimum Premium $500
General Liability
$1MM/$3MM Primary Limits Available
Various Attachment Points Available
Coverage for Bodily & Personal Injury, Property Damage
Coverage for:
Teams, Clubs, Leagues, Sponsors,
Athletic Participants, Coaches and Officials
Coverage at:
Minor League &
al Sports
Excess Liability
$25MM in Primary Excess limits available
Up to $150 MM in Excess Protection ($50MM Attachment)
Coverage can be over Professional and Financial Lines
Directors & Officers
Limits for Defense Costs, Settlements & Judgments
Covered Perils: Discrimination, Libel, Slander, Defamation
Venues and Stadiums (including concessions), Offices
Athletic Practices, Training, and Competitions
Fund Raising and Media Events
Coverage for:
Organizations Assets
Wrongful Suspension of Players
Personal Assets of Board Members
$25MM in TIV (Higher Limits Available)
Venues, Stadiums & Other Facilities
Sports & Fitness
Line of Business
Limits/Minimum Premium
Desired Classes
Coverage Available for:
$1MM/$2MM Employee Benefits Liability
Health Clubs
General Liability
$1MM Abuse & Molestation Limits
Up to $2MM Liquor Liability
Fitness and
Prof. Liability
Personal Training Studios
Individual Personal Training
$5MM Errors & Omissions Available
Dance Studios
$1MM Combined Single Limits
Yoga Studios
Up to $60,000 ACV per Vehicle
Martial Arts Studios
Umbrella Liability
$5MM in limits available
Beauty, Esthetics & Spas
$10MM Amount Subject
$25MM in Total Insurable Values
Commercial Crime
$250,000 Crime Form A & Depositors Forgery
Coverage Available on Admitted Paper
Specialty Programs
Line of Business
Limits Minimum Premium
$1MM liquor legal liability
Mono-line Liquor
Desired Classes
Restaurant (with and without Bars)
$2MM Aggregate Limit Available
Sports Bars
Per Location Aggregate Available
Private Clubs
Assault & Battery Incl.(accts under 55% liquor)
Assault & Battery Buy back (accts over 55% liquor)
Golf & Tennis Clubs
Bars & Taverns
Minimum Premium As low as $1,000
Liquor - Special
$1MM Liquor Legal Liability
Short Term Events - Insured Purchases
$1,000 Minimum Premium
a LICENSE and SELLS Liquor to Attendees
Mono-line liquor liability
$40MM Primary Property limits (higher limits available)
Retail, Wholesale, Manufacturing,
Low Minimum Premium of $5,000
Real Estate, Healthcare, Schools
Non-Admitted Property Forms
Municipal Risks, Hotels, and Agri-Business
Tough to place Contractors Equip.
Inland Marine
Property Quotes include Equipment Breakdown Coverage.
Ineligible: Risks located in the State of Florida, city of
Houston or New Orleans
Ineligible Risks: Casinos, Frame Apartments, vacant
Construction Related Products
Line of Business
Limits/Minimum Premium
$1MM/2MM Limits available
Minimum Premiums as low as $10,000.
Contractors Other
General Liability - Non
Desired Classes
Contractors doing less than $25MM in Revenue
Building and Specialty Trade Contractors
Non-Admitted Property Forms
Excavators, Water & Sewer, Utility Contractors
Deductibles from $2,500
Entities subbing out less than 35% of their work
Tract Housing, Condo & Town Home Builders
$1MM/2MM Limits available
Minimum Premiums as low as $15,000.
General Liability General
Occurrence Forms (Defense outside the limits).
Deductibles from $2,500
Commercial GCs
Doing less than $10MM in Sales
Subcontracting More than 85% of work
Renovations, Remodeling, New Construction
No Residential work/homebuilders
Railroad Protective
Railroad Protective
$2MM/$6MM Standard Limits
All Contractors doing work.
$2MM/$2MM, $5MM/$5MM, $5MM/$10MM Avail.
within 50' of Railroad tracks
Minimum Premiums start at $3,000
$1MM/$2MM/$2MM Limits available
$25,000 Minimum Premium
General Liability Auto
$2,500 Deductible
Bridge Builders
Street & Road Contractors
Power & Communication Lines
Defense Costs Outside Policy Limit
Admitted paper & Non-Admitted Paper Available
Entities doing less than $10MM in Revenue
"Means & Method" Exception to Professional Exclusion
Per Project Aggregates Available
Entities subbing out less than 35% of their work
Transportation Related Products
Line of Business
Limits/Minimum Premium
$1MM CSL Primary Limits
Primary Commercial
Concrete pumping or Mix in Transit, Mobile Cranes
Medium& Heavy Truck Deduct.as low as $2,500
Oil & Gas; Truckers; PPT Fleets
Admitted Paper
Written Stand Alone or in Support of other Products
Seeking Fleets with 10 vehicles and up
Limits up to $2M available (higher limits may
be available upon request)
Excess Commercial
Ineligible Risks
PPT & Light Truck Deductibles as low as $1,000
15% commission available
Desired Classes
Entities who do:Petrochemical, Refinery,
Waste Haulers, Asbestos,
Demolition Work; or Heavy Equipment Rental
Not Available in: MA
Small trucking firms with 5 years in business
Both Long and Short Haul truckers
Follow form – general liability available
Entities doing: Flat Bed, Dry Bulk, Garbage,
MCS-90 (available upon request)
Mix in Transit, Moving & Storage, or Haz-Mat
Defense Outside the limits
Ineligible Risks
Minimum Premium $5,000
Taxis, Busses, Limos, other Livery Accounts
Pollution Exclusion except for Upset & Overturn
Canadian or Mexican Exposures
Non-Admitted Policy Forms
ISS-d Safer rating higher than 75
Online rate/quote/binding
Paper Submissions will not be Accepted
Monoline or MTC/VPD coverage package
Complete :
Transport Plus
Motor Truck Cargo
Auto Physical
Deductibles starting at $1000
Lexington TranportPlus Inland Marine Form
All Classes of Business, except household good
movers and new auto haulers
Employee theft available with Motor Truck Cargo
$5,000 minimum premium
Towing, storage and debris removal expenses
Temporary transportation rental expenses
Transportation Related Products
Line of Business
Limits/Minimum Premium
$1MM/$2MM Limits
Desired Classes
Target Account
Professional & General Liability Combined Form
Defense Outside the limits
Companies who provide secure transportation
General Liability
No Minimum Deductible
Minimum Premium $10,000 (All Lines)
for Money, Securities, Art Objects, Jewelry
and other valuable cargos
Non-Admitted Policy Forms
Armored Cars
$25MM TIV limits Available
Companies who service ATM Machines
No Cash In Transit Coverage
*Coverage for the actual servicing of the ATM
$1MM Combined Single Limit
machines is available but subject to
Admitted Paper
the provision and review of additional
Minimum $1,000 Physical Damage Deductible
underwriting information
Physical Damage done on a State Value basis
$25MM in Limits available
Manufacturers/Distributors & Owners, Landlords & Tenants Products
Line of Business
Limits/Minimum Premium
$1MM/$3MM/$2MM Limits
No Minimum Deductible
Desired Classes
Preferred Accounts
Seafood Distributors & Wholesalers
General Liability
Accidental Death and Dismemberment coverage incl.
(AD&D Not available in PA, RI, NC)
$1MM Combined Single Limits
Umbrella Liability
$25MM limits Available
$25MM TIV (higher limits available)
Accounts with less than 50% processing Exposure
Accounts in business more than 4 years
Guaranteed Cost or Small Deductible Accounts
Excluded Operations
Not following FDA HACCP for Shellfish
*HACCP= Hazard Analysis Critical Control Point
All Lines written on ADMITTED PAPER
Accounts accepting fish directly from fishing vessels
ACCOUNT Minimum Premium $5000
Accounts with direct foreign importation of products

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