Commercial Lines

• Primary general liability and excess liability coverage

• Various enhancements and bundled coverages to meet contract requirements

• Contractors pollution coverage

• Annual or project specific policies

• Contractor's equipment—scheduled equipment, miscellaneous tools, leased & rented equipment

• General contractors

• Paper GC's (100% work subcontracted)

• Artisan contractors

• Marine contractors

• Remodeling contractors

• Restoration contractors

• New ventures

• Risks with losses

• Risks with lapses in coverage

• Non-renewals due to audit process

• Admitted & non-admitted markets

• Umbrella, follow-form excess over primary, or excess liability

• Supported & unsupported excess products

• Claims-made & occurrence forms

• Products can accommodate higher limit requirements

• Minimum premiums as low as $500

• In-house binding & brokerage products

• Admitted & non-admitted markets

• Monoline or package products available

• Annual or term policies

• Commercial or residential properties

• Fully vacant or partial occupancies

• Replacement cost valuation available

• With or without renovations

• Reduced or no minimum earned premiums

• In-house binding & brokerage products

• Admitted and non-admitted markets

• Monoline or package products available

• In-house binding products with low minimum premiums

• Brokerage products supported by carriers staffed with marine-knowledgeable underwriters with years of experience

Broad offerings of classes of business including but not limited to:

• Builder's risk

• Contractor's equipment

• Miscellaneous property floater

• Rigger's liability

• Motor truck cargo

• Warehouseman's legal liability

• Bailees

• Communications including technology & medical equipment

• Emphasis on importers, distributors and manufacturers of variety of products

• Coverages available include commercial general liability, stand-alone products liability, and excess products liability

• Occurrence and claims-made policy forms available

• Broadened coverage enhancements including but not limited to products withdrawal/recall expense, crisis event and civil penalty reimbursement

In-house binding and Brokerage products available to support:

• New products and/or start-up companies

• Product risk ranging from low hazard to "hard to place"

• Non-renewed risks

• Risks with claim activity

• Discontinued products

• Life sciences products

• Various types of specific contract language required by vendor(s)

• 27 year southeast focused exclusive proprietary program

• Specific program for logging contractors and timber dealers

• Various overcut and fire damage sublimits available

• The policy can be tailored to meet mill coverage requirements

• Broader coverage than an E & S logging policy

• Umbrella markets also available!

Property Exposures:

• New construction/ground-up

• Renovations

• Property in transit

• Soft costs

• Theft of building materials

• Temporary off site storage

GL Exposures:

• Owner's interest (premises or project owner)

• General contractor

• Owner's & contractors protective liability (OCP)

• Sizable in-house program for the St. Augustine to HHI wind gate

• Brokerage markets available for other SE coastlines and risks over $5M TIV

• Monoline Wind and/or Hail Coverage

• Wind Deductible Buy Back Products

• Flood capabilities

• Various Property Coverage Enhancements for direct and indirect property exposures

• Flexibility with structuring multi-peril deductibles

• Support property exposures within various distances to tidal waters

• Strip shopping centers/LRO

• Mercantile

• Antique shops

• Small to medium sized tenant dwelling schedules

• Package stores and convenience stores

• Bars, taverns, and restaurants

• Civic and social clubs

• Apartments and condos

• Old or historical properties

• Protection class 9 or 10

• Loss history issues

• Warehousing

• Processing and manufacturing

• Short fuse risks

• Bars, taverns, and restaurants

• Small to medium sized rental dwelling schedules

• Habitational

• Dock and seawall contractors

• Marine artisan contractors

• Boat repair and rigging

• Boat dealers and storage

• Dredging contractors

• Boat lift installation and service

• HOA's with docks

• Sports bars and restaurants

• Special events

• Pool halls and bowling alleys

• Bartending services

• Halls and caterers

• Convenience and package stores

• Civic and social clubs

• Auto repair and service shops

• Body shops

• Used car dealers

• Emergency road side repair

• Tractor trailer, large commercial vehicles, and trailer repair

• Customization shops