What Does Our Policy Offer?
Limits/MP/Deductibles
- Primary limits $1M/$2M/$2M
- May consider general liability limits up to $5,000,000
- Excess limits to $5,000,000
- Coverages including CGL, products liability, owners interest, EBL, HNOA
- 1st dollar to $10,000 deductible
- Per project & location aggregate endorsements
- Hostile fire included in pollution exclusion
- Blanket Additional Insureds - ongoing & products/completed operations
- Waiver of subrogation
- Primary & non-contributory wording
Contracting/Construction Risks
- Commercial general contractors
- Commercial construction managers
- Industrial service contractors
- Land developers – commercial & residential
- Machinery installation/service and repair contractors
- Owners Interest
- Project Specific
- Residential artisan contractors*
-
Residential general contractors/home builders*
*We have a robust appetite for renovation and repair. Some limitations may apply to new residential construction or work in CD states.
PRODUCT-DRIVEN RISKS
Industrial/Non-Consumer
- Boiler
- Contractors equipment/parts
- Conveyor/material handling equipment
- Electrical equipment
- Electroplating
- Instrument or analytical equipment
- Machinery equipment & parts – industrial & farm
- Signs
- Telecommunication equipment
- Trailers
- Truck equipment/parts
- Valves
- Wire rope or cable
Owners Interest
- New Construction - residential, commercial or mixed use
- Renovation work including structural additions
- Demolition of building(s)
- Remaining project work
- Limits: Offering up to $10M in high limit GL for qualified risks
Product-Driven Risks
Consumer
- Appliances
- Auto parts (no brakes, airbags, safety belts, race car parts, tires)
- Chemicals (health hazard of 2 or less)
- Clothing
- Cookware
- Cosmetic/beauty/toiletries
- Electrical equipment/electronics
- Food/beverage (no liquor)
- Furniture/home decor
- Hand tools/hardware
- Medical goods/therapeutic products
Casualty Express
Small Business Unit
- Practice Policy Accounts with $1M or less in receipts
- Fast turnaround
- Standardized rates and forms
- Consistency
- No surprises
- Dedicated team