My New Markets
Outdoor Recreation and Hospitality
Nuts & Bolts: The Great Outdoors Insurance Program written by Gillingham & Associates provides comprehensive coverage for Outdoor Recreation and Hospitality industries. Classes: guest ranches, guides & outfitters, resorts, hunting & fishing lodges, RV parks & campgrounds, bed & breakfasts, hunting preserves, rod & gun clubs, equine exposures, hunting lease, snowmobile, and ATV operations, recreational equipment, rental operations, whitewater rafting operations up to Class IV only, Jeep tours (GL only) and other types of outdoor recreation exposures.
Dollars: $300,000 to $1 million.
Carrier: Arch Insurance Group, rated “A-” by A.M. Best. Admitted.
States: All.
Contact: Tim Morgan at 303-657-5007 or e-mail tamorgan@outdoorinsurance.com.
Hospitality Industry EPLI
Nuts & Bolts: Travis-Pedersen & Associates, Inc. is offering employment practices liability for the hospitality industry including restaurants, bars, hotels, etc. Coverage includes third-party and punitive damages and is admitted in Illinois. An industry report specific to the hospitality industry that will explain the exposures faced and claims examples for restaurants / bars / hotels is available upon request.
Dollars: $250,000 to $5 million.
Carrier: Lloyds of London rated “A” by A.M. Best. Non-admitted.
States: All except Wyo. Del. N.H. and R.I.
Contact: Matthew Gervin at 312-279-3695 or e-mail mattg@travped.com.
Mortgage Company E&O/Fidelity Bond
Nuts & Bolts: SUA Inc .is offering packages of insurance for the mortgage industry covering both mortgage brokers and mortgage bankers. Coverages include professional liability, fidelity/crime bond, mortgage impairment and employment practices liability.
Dollars: $300,000 to $5 million.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All.
Contact: Jonathan Freeburg at 312-345-1800 or e-mail jfreeburg@statesideunderwriting.com.
Non-Profit D&O Liability
Nuts & Bolts: Great American Insurance Group is one of the largest writers of Non-Profit D&O in the U.S. Coverages can include D&O, EPL, fiduciary, personal injury, publisher’s liability and third party. Eligible classes include: cemeteries, foundations, chambers of commerce, fraternal benefit groups, veterans groups, public communications, water supply districts, museums, head starts, cooperatives, trade associations, social services, charitable organizations, youth clubs, and other non-profit classes. The policy includes risk management consulting through a national law firm with free employment practices consultation.
Dollars: $500,000 to $10 million.
Carrier: Great American Insurance Group rated “A” by A. M. Best. Admitted.
States: All.
Contact: Nelson Kefauver at 847-330-6833 or e-mail nkefauver@gaic.com.
Vacation Income Property (VIP)
Nuts & Bolts: Middle Oak is offering insurance exclusively for vacation income property. What is covered: homes, condos, short term or year round rentals, owner use, 2 nights, seasonal, etc. In the name of a trust, LLC, or business is not a problem. For vacation communities too: ski areas, beaches, lake communities, golf, mountain destinations, local attractions.
Dollars: $25,000 t0 $5 million.
Carrier: MiddleOak, rated “A+” by A.M. Best. Admitted.
States: Del., Maine, Md., Mass., Mich., N.H., Penn., Tenn., Vt., Va. Wis.
Contact: Bill Hall at 860-638-5168 or e-mail bill.hall@middleoak.com.
Mobile Home Parks
Nuts & Bolts: M. F. Irvine & Associates, Inc is program administrator for a national program providing commercial package and commercial automobile liability policies for the manufactured home and mobile home park communities. CGL primary rating is based on number of spaces. Optional coverages available include employee dishonesty, crime, inland marine, business interruption/extra expense, hired /non owned automobile liability.
Dollars: $1 million to $2 million.
Carrier: State National Insurance Co. rated “A” VII by A.M. Best. Admitted.
States: Ala., Ariz., Ark., Calif., Colo., Fla.,, Ga., Idaho, Ill., Ind., Iowa, Kan., Ky., La., Md., Mich., Minn., Miss., Mo, Mont., N.V., N.J., N.M., N.Y., N.C., Ohio, Okla., Ore. PA, SC, TN, TX, UT, VA, WA, DC, WV
Contact: Ed Johnston at 610-862-4380 or e-mail ejohnston@irvineandassociates.com.
HIPAA Liability /Medical
Nuts & Bolts: Insurebest.com is offering defense coverage for doctors, groups, medical professionals, employees who inadvertently release medical information in violation of the new HIPAA laws. Fines can reach $250,000, and certain intentional acts can be prosecuted criminally. Coverage is still being finalized to cover various aspects of this HIPAA Law.
Dollars: $300,000 to $1 million.
Carrier: Rated “A” by A.M. Best. Admitted and non-admitted.
States: All.
Contact: Gary Kenoff at 800-425-7873 or e-mail gakfamily@aol.com.