Available Products

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Classes

Lines of Business

Carriers

General Liability

COVERAGE HIGHLIGHTS

  • $500 minimum premium
  • $1M/$2M maximum limits of liability
  • Maximum exposure thresholds
    • Sales/Revenues ≤ $5M
    • Payroll ≤ $4M per class
    • Area ≤ 100,000 square feet per location
    • Cost ≤ $5M
    • Units ≤ 250 per policy
  • $0 deductibles for some classes
  • Claims threshold ≤ 3 claims and aggregate claims of $10,000

OPTIONAL COVERAGE

  • Additional Insured
  • Designated Construction Project(s) General Aggregate
  • Designated Location(s) General Aggregate
  • Employee Benefits Liability
  • Primary and Non-Contributory Coverage
  • Pollution Liability
  • Assault & Battery
  • Inland Marine
  • Please note: classes and coverages may vary by carrier.

ELIGIBLE CLASSES

With hundreds of classes to choose from, view our searchable listing for our most current offerings that include:

  • Artisan contractors
  • Lessors’ risk only
  • Offices
  • Retail
  • Vacant buildings & land
  • Habitational
  • Day care centers
  • Truckers
  • Tattoo parlors
  • Security & patrol agencies
  • Real estate managers
GENERAL LIABILITY CHEAT SHEET
Property

COVERAGE HIGHLIGHTS

  • Up to $2.5M maximum total insured value
  • $500 minimum premium
  • Coverage for catastrophe-exposed perils available
  • Wind/Hail available for coastal properties

OPTIONAL COVERAGE

Our wide selection of optional coverages include:

  • Equipment Breakdown
  • Extended Coverage
  • Outside Signs
  • Spoilage Coverage Highlights
    • Up to $2.5M maximum total insured value
    • $500 minimum premium
    • Coverage for catastrophe-exposed perils available
    • Wind/Hail available for coastal properties
  • Optional Coverage
  • Our wide selection of optional coverages include:
    • Equipment Breakdown
    • Extended Coverage
    • Outside Signs
    • Spoilage

ELIGIBLE CLASSES

Include but not limited to:

  • Habitational
  • Hospitality
  • Manufacturing
  • Mercantile & Retail
  • Lessors’ Risk (LRO)
  • Restaurants
  • Warehouses & Vacant Buildings

PROHIBITED RISKS & EXPOSURES

Risks with the following characteristics are ineligible:

  • Properties undergoing structural renovations
  • Locations that have been vacant for more than 3 consecutive years
  • Properties scheduled for demolition
  • Properties with prior and/or existing damage
  • Risks with more than 3 claims within the previous 3 years
  • Risks with more than $25,000 total incurred during the previous 3 years
PROPERTY CHEAT SHEET
Excess Liability

UNDERWRITING GUIDELINES

  • Up to $5M in Excess limits
  • Supported & unsupported
  • Minimum attachment limits
    • General Liability $1M/$2M
    • Auto Liability $1M combined single limits
    • Employer’s Liability $500K/$500K/$500K
    • Employer’s Benefits Liability $1M/$1M
  • Up to $2.5M in total payroll or $5M in sales
  • Ability to consider up to 100% subcontracted work
  • Ability to perform exterior work on 3 stories or less
  • Both Residential and Commercial work can be considered

TARGETED RISKS

  • Lead Excess
  • Sales/Revenue ≤ $250,000 per insured
  • Payroll ≤ $100,000 per insured
  • Sole proprietors, 1-4 employees
  • No prior claims

ELIGIBLE CLASSES

  • Air Conditioning Systems or Equipment
  • Carpentry
  • Debris Removal — Construction Site
  • Electrical Work
  • Excavation
  • Floor Waxing
  • General Contractors
  • Janitorial Services
  • Landscaping
  • Masonry
  • Painting
  • Plumbing
  • Drywall or Wallboard installation
EXCESS LIABILITY CHEAT SHEET
Workers' Comp

COVERAGE HIGHLIGHTS

  • $3MM capacity
  • 1st & 3rd party coverages
  • Ransomware
  • Breach response
  • Cyber crime
  • Business income
  • Hundreds of available classes

ELIGIBLE CLASSES

With hundreds of classes to choose from, our core industries include:

  • New Ventures
    • Quotes provided in less than 24 hours
  • Construction trades and roofers
    • $1000 minimum premium
  • Trucking
    • Long haul
    • Loading / unloading
    • New venture
    • Existing
  • Healthcare businesses
    • Nursing homes
    • Assisted living
    • Home health
    • Hospice
    • Hospitals
    • Doctor offices
    • Professional healthcare staffing
WORKERS’ COMP CHEAT SHEET
Cyber Liability

COVERAGE HIGHLIGHTS

  • $1M EL limits available
  • Coverage in all 50 states
  • Owner only policies available
  • Height / depth risk considered
  • Up to 25% schedule credit for main street business with Workers’ Comp experience
  • Please note: classes and coverage may vary by carrier.

TARGETED BUSINESS

  • Revenues up to $100MM

INELIGIBLE CLASSES

  • Crypto
  • Cannabis
  • Casino / gambling
  • Foreign companies
  • Payment processors
  • Data storage / server provider
  • Please note: classes and coverages may vary by carrier.
CYBER CHEAT SHEET
Trucker's Coverage

TRANSPORTATION COVERAGE

  • Automobile Liability
  • Motor Truck Cargo
  • General Liability
  • Auto Physical Damage
  • Truckers For Hire
  • Local, Intermediate & Long Haul
  • 1-10 power units
  • Non-Trucking Liability
  • New Ventures

TARGETED CLASSES

  • Dry Van
  • Reefer
  • Flatbed Operations
  • Auto Haulers
  • Intermodal with UIIA endorsement

AVAILABLE STATES

  • Admitted Auto Liability: GA, FL, IL, NC, NV, OH, SC, WI
  • Non-Admitted Auto Liability: AL, AZ, AR, CA, CO, DE, ID, IA, ME, MD, MI, MN, MO, MS, MT, NE, NH, NJ, ND, OH, OK, OR, RI, PA, SD, TN, TX, UT, VA, VT, WV

OPTIONAL COVERAGES

  • Trailer Interchange
  • Primary Non-Contributory
  • Waiver of Subrogation

AUTO LIABILITY GUIDELINES

  • Tractors & trailers must be newer than 20 years old
  • Drivers age 23-73 with no violations
  • 2 years minimum driving experience with like vehicle
  • No prior claims
  • New ventures are eligible

INELIGIBLE CLASSES

  • Ambulance, EMT & Mobile Blood Banks
  • Armored Cars, Arms, Ammunition & Fireworks
  • Automobile Dismantlers
  • Boat Haulers
  • Boom Trucks
  • Brokerage
  • Cannabis Haulers
  • Carnivals & Circus
  • Cement Mixers & Pumpers
  • Coal Haulers
  • Contractor Equipment & Mobile Equipment
  • Cotton Haulers
  • Courier Services, Magazines, News Delivery, Parcel & Film Delivery
  • Drive Away & Transporter Plates
  • Driving Schools
  • Dump Trucks
  • Fast Food Delivery & Restaurant Take-Out Delivery
  • Final Delivery
  • Freight Brokerage
  • Garbage / Refuse
  • Hazmat, Nuclear & Biological
  • Livestock Transporters
  • Logging Operations
  • Milk Haulers
  • Mobile Cranes & Vehicles With Buckets
  • Mobile Home Toters & Builder Movers
  • Municipal
  • Operating Outside of US
  • Operations Using Double / Triple Trailers
  • Oversized / Overweight Haulers
  • Owned Units, Rented or Leased to Others
  • Private Passenger Vehicles
  • Public Livery: Buses, Taxis, Black Car, Rideshare, Shuttle, Day Care & Church
  • Rental Leasing & Demo Vehicles
  • Salvage & Scrap Metal
  • Sand & Gravel Egg Haulers
  • Steel Dealers
  • Tankers Hauling Flammable Liquids
  • Towing Repossession
  • Vendor Trucks
TRUCKERS CHEAT SHEET
See All Available Class Codes

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