Brokerage

General Liability

General Liability Forms

Acord 125: Download Acord 125 | Fill & submit Acord 125 online

Acord 126: Download Acord 126 | Fill & submit Acord 126 online

 Submit General Liability Application

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Underwriting Guidelines

Up to $1 million each Occurrence
$2 million General Aggregate
$2 million Products
Completed Operations Aggregate

Highlights

Pay As You Go (Available for Contractor Codes)
Blanket Additional Insured &/or Waiver Available
Primary Non-Contributory endorsements
Rated A (Excellent) by A.M. Best
Non-Admitted & Admitted
Competitive rates
Flexible terms and conditions

Workers' Comp

Workers' Comp Forms

Florida: Download Acord 130 FL | Fill out Acord 130 online
All other states: Download Acord 130 | Fill it out online‍

 Submit Workers' Comp Application

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Underwriting Guidelines

Minimum premium $1,000
Roofers: 5 years in operation, 5 full time roofing employees, minimum payroll $250,000
4 years loss runs or experience
No work over 40 ft or below 12 ft

Highlights

A-Rated carriers
No prior considered with a resume
Flexible payment plans and pay-as-you-go
Up to 50% sub exposure
No deductible requirements
Available in 37 states
Roofers and Framers Considered
No prior considered with a resume*
* Resume required to show experience for past 5 years, excluding roofing

Yacht

Yacht Forms

‍Yacht Application: Download application | Fill & submit online

 Submit Yacht Application

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Hull and P&I coverage

Coverage for yachts
Trailer Craft
Sailboats
Navigating Houseboats
Motor Sailers
Catamarans

Highlights

Vessels used privately or for charter purposes
Vessels valued up to $5m USD
Limits of liability up to $10m USD
Crew liability
Coverage for personal property, tenders, trailers, non-emergency towing, uninsured boaters, medical payments and jet skis may be added
Surveys are required on all vessels over five years of age
No vessels that have a maximum speed over 90MPH
A.M. Best rated carrier

Coastal Commercial Property

Commercial Property Forms

Acord 125: Download Acord 125 | Fill & submit Acord 125 online

Acord 140: Download Acord 140 | Fill & submit Acord 140 online

 Submit Commercial Property Application

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Underwriting Guidelines

Deductibles range from 2-5%.
Maximum $3,000,000 per building and $5,000,000 per policy
Ranges based on construction type and location
Buildings constructed back to 1930. Full renovation within the last 30 years required for any built prior to 1950.

Prohibited Properties

Vacant Buildings
Nightclubs, Late Night Lounges/Taverns, Adult Nightclubs
Assisted Living Facilities, Rehab & Recovery Centers, Nursing Homes, Boarding Houses
Churches, Synagogues, Mosques
Bowling Alleys
Min-Storage/Self-Storage Facilities
Gas Station, C – Stores, Cannabis Manufacturing/Processing
Habitational Rentals (Apartments, Dwellings, Cottages, Multi-Family, Air BNB, VRBO, Co-Ops, etc )
On a Case-by-Case Basis.
High Hazard/ (Saw Mills, Electro Plating, Metal Mfg., Arc Welding, Oil & Gas, Recycling, Heavy
Industrial, Scrap Metal, Auto Dismantling, Fertilizer & Flammable Storage)
Hotels/Motels

Cyber

 Complete Cyber Application

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Insurance Coverage

Up to $10M in aggregate coverage
Broad business interruption coverage
Enhanced coverage for:
○ Systems failure
○ Computer replacement
○ Bodily injury / property damage
○ Social engineering
Breach response coverage outside the limits
BYOD devices, IoT usage, andsocial media
Cost of system upgrades and reputation repair

Highlights

Free with every policy

1. Active Risk Assessment - Understand your risks in real time comprehensive insurance coverage

a. Personalized digital risk profiles: real time depiction of policyholder’s risk
b. Automated, intelligent underwriting: accurately evaluates and prices risk

2. Active Protection - Monitoring and alerting to identify and prevent risk before it strikes

a. Continuous scanning and monitoring: across all connected assets
b. Automated notifications: stay informed on new or changing risks

3. Active Response - In-house response teams & leading coverage if an incident occurs

a. In-house claims and incident response: quick response to resolve and minimize losses
b. Comprehensive coverage: broad coverage backed by trusted reinsurance partners