Museums
Market Detail: Markel provides all-risk coverage for the collections and changing exhibitions for private and public museums. Coverage includes protection for temporary and long-term loans including transit both to and from the museum. $750,000 minimum premium; appointment required.
Available Limits: Not disclosed.
Carrier: Markel Insurance Co.; admitted; rated A Excellent by AM Best.
States: Available in most states plus District of Columbia. Not available in Alaska and Hawaii.
Contact: Jen Likander; jen.likander@markel.com; 804-864-3788.
Transportation
Market Detail: Commonwealth Underwriters Ltd. offers coverage for the transportation industry. Classes include auto liability, general liability, cargo, warehouse helga, physical damage, excess and garage. Specialty classes include local/intermediate, long haul trucks, dump trucks, hired/non owned. Has pen.
Available Limits: Not disclosed.
Carrier: Not disclosed.
States: Available in District of Columbia, Maryland, North Carolina, Pennsylvania, South Carolina, Virginia, West Virginia.
Contact: Sarah Koolhof; skoolhof@commund.com; 800-396-6226.
Homeowners Jewelry & Fur Floaters
Market Detail: Halcyon Underwriters offers homeowners jewelry and fur floaters. Halcyon says its underwriting practices, client retention, continued organic growth, data analytics, risk management and efficiency deliver profitable performance results for its carrier partners in both soft and hard markets earning Halcyon preferred designations with most of its carrier partners. Has pen; appointment required.
Available Limits: Not disclosed.
Carrier: Chubb and Lexington; admitted and non-admitted; rated A- or better by AM Best.
States: Available in 50 states plus District of Columbia.
Contact: Sarah Cadle; scadle@halcyonuw.com; 321-527-2192.
Security Guard Liability Program
Market Detail: Izzo Insurance, a division of Hull & Company LLC, provides all lines of insurance coverage for the security guard industry. Hull & Co. has specialized in the security industry since 1980 and says its expertise, profitable underwriting results and favorable market conditions have enabled it to combine competitive premiums with extremely comprehensive policy forms. Available coverages include primary GL, Follow-Form Umbrella (including E and O), and four exclusive Workers’ Compensation markets in addition to Performance & Fidelity Bonds and EPLI carriers. Has pen.
Available Limits: Not disclosed.
Carrier: Rated A by AM Best.
States: Available in most states plus District of Columbia. Not available in Alaska.
Contact: Kelly Hafey; KHafkey@IzzoInsurance.com; 800-800-1704.
Orthotic and Prosthetic Program
Market Detail: VGM Insurance Services offers an orthotic and prosthetic program. For over 30 years, VGM Insurance has been dedicated to creating specialty programs and customized solutions for the unique needs of the businesses it serves. Customers include orthotic and prosthetic practices and services, custom fitters, central fabricators, prosthetic manufacturers, post-mastectomy/women’s health boutiques. Coverages available: commercial general liability, professional liability, excess liability, property, business auto, workers’ compensation, directors and officers, employment practices liability, cyber liability, surety bonds. Has pen.
Available Limits: Not disclosed.
Carrier: Admitted.
States: Available in 50 states plus District of Columbia.
Contact: Bill Wilson; info@vgminsurance.com; 800-362-3363.
Commercial Marine Companies
Market Detail: The American Equity Underwriters Inc. (AEU) is the program administrator of the American Longshore Mutual Association Ltd. (ALMA), a group self-insurance fund authorized by the U.S. Department of Labor to provide USL&H coverage for the liabilities of its members under the United States Longshore & Harbor Workers’ Compensation Act. Shipbuilders, ship repairers, marine terminal operators, stevedores, marine contractors and other waterfront employers may apply for ALMA membership through their insurance broker. Coverage: United States Longshore & Harbor Workers’ Compensation Act; Defense Base Act; Outer Continental Shelf Lands Act; Nonappropriated Fund Instrumentalities Act. Plans include: first dollar; single and multi-year programs; loss-sensitive plans; deductible; excess over qualified self-insurance. Target classes: A minimum of 10% of the company’s payroll must be USL&H exposure (unless incidental-only); ship builders; stevedores; terminal operators; barge repairers; marine construction; ship repairers; steamship agents; luxury yacht builders; coal docks; offshore industries. The following preferred classes may also have USL&H (possibly incidental-only) exposure: heating and A/C contractors; engine repair; fire extinguisher servicing; sheet metal work; architects and engineers; refrigeration repair; pest control; carpentry; electricians; welders; painters; wallboard installation; communications repair; crane installations and repair; concrete/cement work. $10,000 minimum premium; has pen.
Available Limits: Federal acts — statutory; employer’s liability — $1 million.
Carrier: American Longshore Mutual Association; rating not required; U.S. Department of Labor approved.
States: Available in all 50 states plus District of Columbia.
Contact: Marketing Department; aeu.marketing@amequity.com; 251-690-4230.
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