My New Markets

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By the Trip Cargo Insurance
Market Detail: UploadFreight offers MTC trip transit insurance to contract or common carriers when the limits on their motor truck cargo policy are not enough to satisfy the requirements of the shipper or freight broker they are hauling for.
Available limits: Minimum $250,000, maximum $100 million.
Carrier: Various, non-admitted.
States: All states.
Contact: Greg Grotty at 601-750-3476 or e-mail: gcrotty@uploadfreight.com.

Hotels/Motels
Market Detail: InSmart Risk Purchasing Group ‘s coverage includes umbrella and excess liability for commercial and residential properties of all sizes. InSmart can deliver quotes in two hours and features 15 years of RPG experience.
Available limits: Minimum $100, maximum $1 million.
Carrier: Unable to disclose, admitted and non-admitted available.
States: Conn., Fla., Ill., N.J., N.Y., and Pa.
Contact: Customer service at 914-607-5020.

Small Business Workers’ Compensation
Market Detail: Corporate Risk Services has introduced a workers’ compensation program designed specifically for small businesses. 180 eligible class codes are available for these risks: restaurants/food service; hospitality/hotels/resorts; service/professional; small manufacturers; retail stores and more. Eligible risks have premiums under $25,000 and E-Mods under 1.10. Program also features a web-based quote-print-bind portal for immediate response.
Available limits: Minimum $500, maximum $25,000.
Carrier: Unable to disclose, admitted.
States: Ark., Ill., Ind., Iowa, Ks., Mich., Minn. Miss., and Mo.
Contact: Justin Mills at 479-271-7475 or e-mail: jmills@mmsi.com.

Asset Program
Market Detail: Regional Excess Underwriters LLC ‘s (REU) asset program is designed for a broad spectrum of commercial and personal assets with the ability to offer a complete admitted package. Eligible operations include: Fine art (museums, exhibitions, universities, schools, dealers, corporate and private collections); jewelers block (wholesale, retail, designers, contractors, precious metals, personal jewelry collections, manufacturing and precious collections of all types). Coverages include: inland marine for fine art, including museums, galleries, dealers, corporate collections, private collections, and exhibitions; fidelity/crime coverages for commercial, financial institutions and public entity risks; jewelers block coverage for wholesalers, retailers, and manufacturers. Additional features include: cash in transit; check cashers; pawnbrokers; all-risk broad form policies; commercial package and other related coverages. Package policies are available in all 50 states with one deductible will apply when a loss occurs under both the specialty policy and package policy. Specifically tailored enhancements also offered, as well as a blanket limit of $250,000 that includes EDP (computers and computerized equipment); signs (outdoor property); and building glass (outdoor property). Additional features available. Required for submissions: Acord applications; application for collections insurance; commercial crime application; fine art dealers application; proposal for jewelers block policy; museum collections insurance application; three year loss runs; and financials when required.
Available limits: As needed.
Carrier: Unable to disclose.
States: All states.
Contact: Customer service at 877-738-3170

Podiatric Medical Malpractice
Market Detail: Rockwood Programs provides podiatric physicians professional liability insurance in all 50 states. Coverage features include: claims-made and occurrence forms; defense costs outside the limit; administrative hearing defense including state disciplinary hearing, licensure actions, and Medicare/Medicaid billing defense; HIPAA proceedings; claims free credits; employed discount; part-time and moonlighting credits.
Available limits: As needed.
Carrier: Various.
States: All states.
Contact: Customer service at 800-558-8808.

Pay-As-You-Go Workers’ Compensation
Market Detail: MIG’s QuoteMyWC works with multiple providers of work comp and works with agents or insureds directly. High mods, tough class codes or prior losses aren’t a problem. Assigned risk depopulation program with better claims advocacy and customer service also offered.
Available limits: Minimum $50,000, maximum $10 million.
Carrier: Unable to disclose, admitted.
States: Ala., Ariz., Ark., Fla., Ga., Ind., Ky., La., Miss., Okla., S.C., and Texas.
Contact: Russ Rymer, 865-425-7433, russ.rymer@miginsgroup.com.