My New Markets

Market Detail: Coterie Insurance writes GL and BOPs for bakeries, bagel shops and coffee shops. The only pre-fill, small commercial experience on the market means we answer our own underwriting questions. Get a bindable quote in seconds based on two pieces of information: business name and address. We micro small businesses, start-ups and new businesses.

Available Limits: Not disclosed.

Carrier: Spinnaker Insurance Co., Benchmark Insurance Co. and Clear Spring Insurance, rated A-(Excellent).

States: Available in all 50 states plus District of Columbia.

Contact: John Poucher, john.poucher@coterieinsurance.com, 855-566-1011.

Market Detail: RockLake Insurance Group offers all-risk, domestic and international coverage with automated claims to freight brokers, shippers and carriers. This per-load insurance coverage can be quoted in 40 seconds or less and is accessible anywhere. We use advanced analytics for smart pricing, incorporate anti-fraud tools, and utilize a digital and app-based process for claims. Policy pays regardless of the shipper’s ability to prove carrier negligence, pays for losses outside of carrier’s controls, and pays the shipper for the full value of the lost/damaged goods. Has pen; appointment required.

Available Limits: Up to $2 million for any single mode of transport and $100,000 for LTL.

Carrier: Non-admitted, rated A.

States: Available in all 50 states plus District of Columbia.

Contact: Trish Stineman, trish.stineman@rlig.com, 972-954-9413.

Market Detail: Cannasure Insurance Services offers a comprehensive commercial auto insurance solution to the cannabis marketplace. Available coverages: $1 million max auto liability limit; PIP, medical payments, UM/UIM (prefer rejected or state minimum); physical damage; hired and non-owned. Targeted classes: Approved radius and size classes business use — retail and commercial; retail — autos used for distribution of industry property from dispensaries for home delivery (“B to C”); autos used for transporting industry property from one cannabis/hemp operation to another (“B to B”). Radius: Local (up to 50 miles); intermediate (51-200 miles); long distance (Over 200 miles). Size class: Private passenger vehicles; light trucks (0-10,000 lbs. GVW); medium trucks (10,001-20,000 lbs. GVW); heavy trucks (20,001-45,000 lbs. GVW); extra heavy trucks (over 45,000 lbs. GVW); heavy truck tractors (0-45,000 lbs. GVW); extra heavy truck-tractors (over 45,000 lbs. GVW); semi-trailers; trailers; service or utility trailers (0-2,000 lb. load capacity). Has pen; appointment required.

Available Limits: $1 million max auto liability limit.

Carrier: Rated A by AM Best.

States: Available in all 50 states plus District of Columbia.

Contact: Jim McErlean, jmcerlean@cannasure.com, 602-363-6652.

Market Detail: London Underwriters offers Neptune Flood, an online rater where you can quote and bind residential and commercial flood directly online. Features: No elevation certificate required; online rate/bind; residential up to $4 million dwelling value; commercial up to $10 million building value. Appointment required.

Available Limits: Up to $4 million dwelling value; commercial up to $10 million building value.

Carrier: Various, non-admitted, rated A by AM Best.

States: Available in all 50 states plus District of Columbia.

Contact: Daniel Feigenbaum; procession@londonuw.com; 866-245-5197.

Market Detail: Cardigan General Insurance Services (CGIS) has access to national markets, underwriting and program design expertise. In partnership with a select distribution channel of agents, our underwriters provide innovative solutions to the most complex insurance needs. Program highlights: Non-admitted paper in most states unless required to be admitted paper; one-unit accounts acceptable; new ventures considered (prior experience required); minimum driver age is 23 with two years’ experience. Require GL/PL to include loading/unloading with the following minimum limits: Medical vehicles — $50,000; Wheelchair vehicles — $100,000/$300,000; Gurney vehicles — $250,000/$500,000. Payment plan — all accounts need to be premium financed. Eligible vehicle classes and operations: Wheelchair-assisted vans, ambulettes, and gurney vans; non-emergency ambulance operations; basic life support vehicles (non-911); adult daycare transportation providers; contracted transportation providers. Auto liability up to $1 million limits; physical damage — stated amount. General liability/professional liability is required. Quote available through in-house brokerage operation.

Available Limits: Auto liability up to $1 million limits; physical damage — stated amount.

Carrier: Admitted, non-admitted, rated A-VIII by AM Best.

States: Arizona, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Maryland, Minnesota, New Jersey, New York, Ohio, Pennsylvania, Tennessee, Virginia, Washington.

Contact: Mark Jatczak; mjatczak@cardigangeneral.com; 800-992-6648.