America First Insurance Rolls out New Commercial Line Products

Richardson, Texas-based America First Insurance, a Liberty Mutual Agency Markets regional company, has introduced Custom Protector, a commercial lines product that offers additional built-in coverages with expanded eligibility.

Custom Protector targets small to mid-sized businesses with receipts up to $15 million per location and offers optional market segment endorsements for the following nine industries: contractors, food processors, garages/auto service, manufacturers, office/lessor’s risk, restaurants, retailers, service providers, and wholesalers. Split-rated property and liability coverages allow for price adjustments to match a customer’s specific exposure.

The company said the new product is the centerpiece of The America First Package Series, a product for small to mid-sized commercial business that provides coverage for more than 1,100 classes of business. The Commercial Protector Series consists of three products — Custom Protector (BOP), Custom Protector, and the Comprehensive Business Policy.

Supplementing these new products is an enhancement to Commercial IQ, an online quoting and policy application system that directs agents’ new business to the America First Insurance product that best suits a customer’s needs. SmartNav, the new pre-qualification tool within Commercial IQ, suggests the most appropriate product for a commercial risk after an agent selects a business class code and responds to a few basic eligibility questions.

Commercial Protector (BOP) provides broad property and liability coverage in a single policy for small business accounts with receipts up to $8.5 million per location. Endorsements include: property extension, property extension plus, and liability extension.

America First Insurance also offers the Comprehensive Business Policy, designed for more complex middle-market accounts. Core coverages include commercial general liability extension, with optional coverages for equipment breakdown, business income on an actual loss sustained, property extension plus endorsement, as well as a complete portfolio of ISO coverage endorsements.

America First Insurance offers personal and commercial lines property and casualty products through appointed independent agents. America First Insurance offers insurance products in Arkansas, Kansas, Louisiana, Missouri, Oklahoma and Texas.

Source: America First Insurance