My New Markets

Market Detail: Normandy Insurance Co. offers workers’ compensation coverage in 14 states. The company said it is committed to delivering excellence in workers’ compensation insurance to both agents and policyholders through strong agent partnerships; financial strength including A++ rated reinsurance; proactive loss prevention programs; exceptional customer service with a personal touch; accessible underwriting; unique association and wholesale workers’ comp programs. Many classes of business considered.

Available Limits: Not disclosed.

Carrier: Normandy Insurance Co.

States: Available in Alabama, Arkansas, Connecticut, Florida, Georgia, Mississippi, Missouri, North Carolina, Oklahoma, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia.

Contact: Laura Lieberman; applications@normandyins.com; 866-688-6448.

Market Detail: SES Risk Solutions offers residential coverage for real estate investors. Its REI program offers leading-edge technology, preferred pricing, and flexible coverage built for residential portfolios. The SES Master Policy safeguards the entire portfolio and enables online real-time schedule changes and reports throughout the course of the term. Coverage highlights: residential rental portfolios (single-family, duplexes, apartments up to 30 units, etc.); replacement cost valuation; additional umbrella liability available upon request; no coinsurance requirements; flexible direct billing options — pay monthly or annually; no cap on limited liability companies (LLCs); no vacancy restrictions. Ineligible risks: student housing; short-term rentals; homeless shelters; senior living. $5,000 minimum premium; has pen; appointment required.

Available Limits: Property coverage — $1 million per property, higher upon referral; $1 million per occurrence/$2 million aggregate GL coverage (per property).

Carrier: Zurich; non-admitted; rated A by AM Best.

States: Available in 50 states plus District of Columbia.

Contact: Jack Madsen; jack.madsen@ses-ins.com; 800-955-4737.

Market Detail: Ryan Specialty National Programs provides access to industry-leading carriers and competitive coverage forms tailored specifically to the needs of franchised auto dealers. Franchised Auto Dealers Package Program is available nationwide, excluding Alaska, Hawaii, Idaho, Massachusetts, Montana, New Hampshire, New York, Virginia and Wyoming. The companion program can provide access to stand-alone Dealers Open Lot (DOL) coverage in most states. Program can offer access to multi-state capabilities with no audits and no monthly reporting. The Dealers Open Lot Program is available in all states, excluding Arkansas, Kansas and Oklahoma. The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions, and should encourage their policyholders to do the same. Appointment required.

Available Limits: Not disclosed.

Carrier: Multiple; not disclosed.

States: Available in most states plus District of Columbia, with exceptions. See above.

Contact: Hollie Degutis; hollie.degutis@ryansg.com; 800-366-5810.

Market Detail: Flux Insurance Services LLC, a managing general agent (MGA) and wholesale insurance brokerage, offers specialty insurance products for the cannabis and hemp industries. Flux is an online transactional distribution marketplace providing coverages for auto, builders risk, cannabis surety bonds, cargo/inland marine, cyber, crime, employee benefits, excess liability, employment practices liability (EPL), general liability, lessor’s risk (LRO), management liability (D&O, EPL), professional liability (E&O), product liability, property, and workers’ compensation. Coverage is offered for the following classes of business: cultivation; dispensaries; distribution (wholesale); delivery (non store front — B2C); laboratories; and manufacturers. $1 million maximum premium; $500 minimum premium; has pen; appointment required.

Available Limits: Not disclosed.

Carrier: Various A rated carriers; admitted and non-admitted.

States: Available in 50 states plus District of Columbia.

Contact: Curtis Prince; cprince@fluxins.com; 888-358-9467.

Market Detail: Construction Insurance Services LLC provides liability insurance for construction companies with a specific focus on the scaffold industry. CIS offers an exclusive program providing general liability and excess liability through an A rated carrier for scaffold companies located in all 50 states. In addition, CIS provides general liability for small and medium sized crane companies. CIS can arrange other insurance coverages for construction companies including workers’ compensation, property, commercial automobile and inland marine. $5 million maximum premium; $2,500 minimum premium; has pen.

Available Limits: As needed.

Carrier: AM Best Rating XV.

States: Available in 50 states plus District of Columbia.

Contact: Kevin Curley; kcurley@curleyfinancialgroup.com; 214-884-1800.