Property & Casualty Products
We are able to offer the following products as a Mono-Line Liability Policy a Mono-Line Property Policy or as a Commercial Package Policy. All General liability coverage is offered with no liability Deductible. If not mentioned below, total insured values up to 3,000,000 are permitted except in coastal areas where we offer $500,000.
1-4 Family Dwellings:
We write single locations or schedules. Property limits are available up to $1,000,000 per location in protection class 1-8. Owner occupied dwellings are acceptable as long as one or more units are tenant occupied.
Apartments:
We target single or multiple location apartment buildings up to 100 total units. Our broad eligibility includes swimming pools, fitness centers, clubhouses, lakes/ponds, playgrounds and sport courts.
Artisan Contractors:
This product is specifically designed to accommodate over thirty eligible Artisan and Trade Contractor classes who undertake or manage one or multiple phases of a construction project and subcontract less than 50% of the work. New construction or remodeling of Commercial and Residential Structures are all eligible subject to $500,000 in annual payroll and $1,000,000 in annual sales. Our specialty is new ventures. We offer a non-reporting Blanket Additional Insured Coverage as well as Waiver of Subrogation.
Bars/Restaurants:
We offer monoline or package coverage including Liquor Liability for restaurants, bars, gentlemen’s clubs and night clubs. Operations with major entertainment as well as new ventures are eligible. Property limits available up to $1,500,000 for protection class 1 - 8 and $250,000 for protection class 9 - 10.
Child Care:
We provide comprehensive coverage for residential and commercial child care centers including Nursery Schools, Head Start Programs, Montessori Schools, and Before and After School Care. Our superior coverage automatically includes Professional Liability as well as Medical Payments that includes children enrolled in the center for no additional charge. Employees are considered insureds for Defense Cost Reimbursement Coverage as well as Molestation and Abuse Coverage on most centers.
Concessionaires and Vendors Product:
This product is specifically designed to accommodate the coverage needs of a wide variety of Concessionaires and Vendors. These classes include but are not limited to Indoor Vendors, Outdoor Vendors, Seasonal Lots, Hot Dog Vendors, News Stands, Mall Kiosks and Christmas Tree Lots. Products and Completed Operations Coverage is provided on most classes. We also have the ability to package with Inland Marine Coverage and Property Coverage for office or warehouse locations. Blanket Additional Insured offered with every risk. Premium is fully earned and nonauditable.
Fitness Centers:
Our product targets aerobic studios, corporate fitness centers, independently owned fitness centers, franchised fitness centers and express fitness centers. Incidental massage services and/or tanning operations are eligible. Coverage automatically includes Professional Liability and Molestation and Abuse coverage. Coverage also automatically extends to child sitting services, up to four sport courts, jacuzzis, hot tubs, as well as saunas and steam rooms. We also offer preferred pricing for 30 minute Circuit Training Facilities, Pilates and Yoga Studios.
General Contractors:
Our product is designed for General Contractors engaged in new construction or remodeling work on custom homes, commercial offices and mercantile buildings. New ventures as well as General Contractors who subcontract up to 100% of the work are eligible. Eligible annual sales are capped at $3,000,000 with no annual limit on new housing starts.
Janitorial Services:
This product provides comprehensive coverage for the unique exposures faced by today’s residential and commercial contractors. Eligible risks include those where up to 50% of their operations include floor waxing. We offer a number of coverages vital to the janitorial services industry such as General Liability, Property, Contractors Equipment, Rental Reimbursement, Lost Key Coverage, Property Damage Extension Endorsement, Independent Contractor’s Coverage and Blanket Additional Insured Endorsement.
Land Leased to Others:
This product is specifically designed for land that is not vacant, but leased to others for use. Land leased for hunting, crop farming, animal grazing, equipment storage, parking lots, athletic fields and land with buildings on the premises are several of the eligible risks. Land with up to 1,000 acres and with ponds up to 25 acres in size are also eligible. Credits are available if the tenant is required to maintain the premises and also if the tenant names the land owner as an additional insured on their general liability policy.
Lawn Care:
This product offers coverage to a specific segment of the lawn care service industry – the small owner operator that is mowing, raking/blowing leaves, planting, gardening and mulching. General Liability and Contractor’s Equipment Coverage is available.
Lessor’s Risk Only:
This product provides coverage for the owner of buildings that are being leased to others primarily for purposes other than residential use. Mixed occupancy buildings are acceptable. Property limits offered will be dependent upon tenant(s) occupancy. We have no eligibility restrictions on occupancy for General Liability (except for Nursing Homes, Assisted Living Facilities or other Healthcare facilities with an overnight exposure.)
Main Street Mercantile:
This product is specifically designed to accommodate the coverage and pricing needs of over 70 classes of mercantile exposures. New venture risks are eligible. For a complete listing of eligible classes of mercantile classes, please refer to our website.
Off - Premises Caterers:
This product targets caterers that handle events up to a maximum of 500 people. New ventures are eligible. General Liability, Property, Inland Marine, Equipment Breakdown and Crime Coverages are all available on one policy
Pet Care:
This product is specifically designed for Pet Day Care and/or Kennel Operations with incidental pet product retail sales, pet training or grooming. Coverages include Veterinary Medical Expenses and Professional Liability for Grooming Operations.
Premises Preferred:
This product is designed for risks that need Premises Only Liability coverage at a very affordable price. There is no requirement to maintain Products or Professional Liability coverage. Coverage is available on almost 300 classifications, including tattoo parlors, consultants, importers, freight forwarders, auto repair shops, pawn shops, clothing manufacturers, machine shops, food products manufacturers and many more! Include the property owner as an additional insured for no additional charge.
Residential Condominium Investors:
This product is designed for the investor who owns units within residential condominium associations for rental purposes. These units can be rented to others on an annual or seasonal basis or occupied by the insured, as long as it is not their primary residence. Our Basic Version offers General Liability and essential Property coverages such as Loss Assessment and Improvements and Betterments. Our Deluxe Version offers a broader range of property coverages to best suit the insured’s needs.
Specialty Training Schools:
This product is designed to cover up to 30 different types of instructional schools including, but not limited to, Art schools, Athletic instruction, Dance schools, Music training and Tutoring services. Professional liability is included at no additional premium on most classes. Abuse and Molestation coverage is available on many classes.
The Office Product:
This product provides a comprehensive bundle of coverages (Property, General Liability, Hired/Non-owned Liability, Professional Liability, Inland Marine, Equipment Breakdown, and Crime) for over 50 specific Office classes. Office classes such as Accountants, Advertising Agencies, Answering Services, Draftsmen, Insurance Agencies, Medical Offices, Real Estate Offices, Telemarketers, Ticket Agencies and more… Any risk presenting primarily an Office exposure and with limited to no off-premises exposure will most likely fit this product!
Truckers:
This product is designed to accommodate the needs of a wide variety of trucking risks including, but not limited to, Gravel Haulers, Log Haulers and Coal Haulers. New ventures are eligible and we offer the Blanket Additional Insured and Waiver of Subrogation endorsements This product is non-auditable as coverage is priced on a per unit basis up to 20 units.
Vacant Building:
Our product covers vacant commercial and residential buildings, condominium units and rental space, as well as partially vacant buildings. Coverage for contents and risks with renovations is also available. There is no restriction on the length of vacancy and we offer flexible policy terms of 3,6,9 or 12 months. Special form and Replacement Cost are available for buildings 25 years old or newer.
Businessowner’s Package
Our Businessowners Package is designed to fill the needs of the small business owner with up to $3,000,000 in sales. Property Coverage is offered with no Coinsurance Clause and with Loss of Income on an Actual Loss Sustained Basis (with maximum limit). Peak Season, Glass and Sign Coverages are just a few of the many coverages we are able to provide. Professional Coverage automatically included on selected classes. For a complete listing of eligible classes of mercantile and office businesses, please refer to our website. Below are products designed specifically for the Businessowner’s Package:
- Beauty/Nail Salons, Barber Shops
- Clothing Stores
- Convenience, Deli & Grocery Stores
- Electronic & Video Stores
- Fast Food Restaurants
- Laundromats
- Lessor’s Risk Only
- Offices
Property Enhancement Endorsements
Value Plus:
This Property Coverage Enhancement offers 15 different coverages including Electronic Data Processing, Employee Dishonesty, Water Back Up and Property in Transit . This enhancement is available on most packages and monoline property products that are eligible for Special Perils.
Equipment Breakdown:
This Property Coverage endorsement provides coverage for Mechanical Breakdown, Loss or Damage to Hot Water Boilers and Steam Equipment, Steam Explosion of Boilers, Piping, Engines and Turbines, and Electrical Arching. There are 7 different coverages provided including $25,000 for Refrigeration Contamination, $25,000 for Consequential Loss, and $25,000 for Perishable Goods Spoilage.
Monoline General Liability
Hotels/Motels:
We are a market for Hotels/Motels with up to 100 rooms per location with no cap on annual receipts. We can consider a variety of exposures including new ventures, risks with up to 2 swimming pools, other commercial occupancies and restaurants on the premises.
Mobile Home Parks:
This product is specifically designed for Mobile Home Communities with up to 300 home sites per location. Significant credits are available based on risk characteristics such as the prohibition of dogs on premises, no rental homes, and no pools or playgrounds. Insureds are also entitled to discounted pricing when ordering criminal background checks through our preferred provider.
Owner’s/Tenant’s Protective:
Our product is designed to provide more comprehensive coverage than your typical OCP Policy by utilizing ISO’s CG 0001. We provide Premises Liability Coverage in addition to Vicarious Liability for the project owner or tenant hiring a General Contractor to perform renovations or new construction for residential or commercial structures. Contract costs up to $5,000,000 are eligible. Flexible policy terms of 3, 6, 9, and 12-months are available.
Owner Acting as General Contractor:
Our Owner Acting as General Contractor Product is designed to cover the interests of an owner who chooses to act as the General Contractor in the construction of or renovation/conversion of a structure into a 1-4 Family Dwelling. Contract costs up to $1,000,000 are eligible. This product is perfect for individuals who seek to manage and control their own project by performing the work themselves.
Vacant Land:
This Product targets applicants owning up to 1,000 acres at any one location that is completely vacant, not leased to others, and has no construction activity scheduled to occur during our policy term.
Commercial Umbrella/Excess General Liability:
This product offers broad underwriting authority with available limits up to $5,000,000 on 785 classes of business. Our Umbrella requires no Self-insured Retention. We offer coverage on a supported or stand alone basis over underlying carriers rated B++ or better. We have a minimum attachment point of $1,000,000 for Commercial Umbrella and $500,000 for Excess Commercial General Liability.
Inland Marine
Builder’s Risk:
This product is designed to cover owners or contractors constructing new residential or commercial buildings with up to $3,000,000 in property limits. All Risks Coverage includes Theft, Property in Transit and Soft Costs. We will extend the policy until project completion.
Contractors’ Equipment:
We cover scheduled equipment written on an “All Risk” Inland Marine Coverage Form including Theft and Wind. Maximum schedule of equipment is $1,000,000 subject to a maximum limit of insurance of $150,000 per individual piece of equipment. Replacement Cost Valuation is available for equipment up to five model years old. Miscellaneous Tools and Equipment Coverage is available on a blanket basis with a maximum limit of $15,000 or 5% of the scheduled limit, whichever is lower.
Inland Marine Select:
This Miscellaneous Articles Coverage is written on a scheduled or blanket basis with an “All Risk” Inland Marine Coverage Form. Coverage is available for 28 classes of equipment including vending machines, DJ equipment, concessionaire equipment, catering equipment, medical equipment, golf carts, amusement rides and ATM machines. Policies are written with an Actual Cash Valuation and 100% coinsurance. Theft Coverage is provided. Maximum schedule of equipment is $5,000,000.
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190 South Warner Road PO Box 6700 Wayne, PA 19087