Products

Apartments

Habitational dwelling with five or more units. Apartment buildings with one or multiple locations. Up to 100 units per building/500 units per policy.

Artisan/Trade Contractors

This product is specifically designed to accommodate the coverage and pricing needs of a wide variety of artisan and trade contractor risks.

1-4 Family Dwellings

Tenant-occupied 1-4 family dwellings or owner-occupied 2-4 family dwellings.

Builder’s Risk

A comprehensive product available for new construction of individual dwellings and commercial projects.

Concessionaires and Vendors

This product is specifically designed to accommodate the coverage and pricing needs for a wide variety of concessionaires and vendors.

Contractors’ Choice Equipment Product

This product provides broad, all risk coverage of up to $1,000,000 total insured value for many types of equipment on an inland marine form.

Convenience, Delicatessen and Grocery Store

This product is specifically designed to accommodate the coverage and pricing needs for delicatessens, health and natural food stores or specialty grocery store owners.

Fitness Center Product

We are in great shape to handle your fitness center business! Eligible classes include aerobic studios, corporate fitness centers, independently owned fitness centers and franchised fitness centers.

Inland Marine

This product covers more than 50 classes of business, including ATM and vending machines, musical and scientific instruments and DJs, photographers and videographers.

Janitorial

Our Janitorial Services product provides comprehensive coverage for the unique exposures faced by today’s residential and commercial contractors. All coverages are provided by a single policy.

Land Leased to Others

Land leased to others for use in their business operations and the applicant does not have any operations on the land.

Laundromat

Our product offering is a comprehensive coverage package designed to meet the diverse needs of risks operating within the Laundromat industry. Our broad eligibility requirements are equally as impressive as our coverage offering.

Lessor's Risk

This product targets applicants seeking to cover a lessor’s risk exposure. Buildings are not required to be 100 percent leased.

Main Street Mercantile

More than 70 classes of business from antique stores to florists and bakeries to art galleries.

Pet Care

Our Pet Care product is designed for pet day care and/or kennel operations with incidental pet product retail sales, pet training or pet grooming.

Partially Vacant Building

Whether it's a recent loss of a tenant or a long-term vacancy, the occupancy percentage of your building can affect the availability of coverage and reduce the amount you can recover in the event of a loss. Our Partially Vacant Building product eliminates both of these problems!

Premises Preferred

Sometimes you need a certain type of coverage to satisfy lease requirements. That’s where we step in – our premises coverage comes at an affordable cost.

Residential Condominium/Strata Investors

Designed for the coverage needs of the individual or corporate investor that owns residential condominium units – leasing them to others.

Specialty Educators
The Office Product

This product provides a comprehensive bundle of coverages for over 50 specific office classes such as accountants, advertising agencies, answering services, draftsmen, insurance agencies, medical offices, real estate offices, telemarketers, ticket agencies and more.

Truckers

This product can be written as either monoline general liability or package and is designed to accommodate the coverage and pricing needs of a wide variety of trucking risks.

Vacant Building

Completely unoccupied buildings and vacant buildings undergoing renovations or remodeling. Vacant commercial and residential buildings, condominium units and rental space. Coverage for contents and risks with renovations is also available with no restriction on length of vacancy. We offer flexible policy terms of 3, 6, 9 or 12 months.

Vacant Land

Our product is specifically designed for land that is completely vacant, not leased to others and with no development or construction activities completed to develop the land.

Bar/Restaurant

Bar, Restaurant, Fine-dining and Fast Food including establishments with up to 100% liquor receipts.

Catering Plus

Banquet Halls, Bartending Services, Caterers and Concessionaires

Special Events

General liability and/or liquor liability for one-day, multi-day or annual event policies. We can consider over 100 event types including competitions, conventions and trade shows, parties, festivals, parades, musical performances, picnics, sporting events, fundraisers, rodeos, tournaments and many more.

Houses of Worship

The product specializes in covering small community, start-ups, storefront or inner city operations for all types of religious faiths and denomination.

Social Services

Our all-in-one package product provides nonprofit social service organizations with the opportunity to purchase general liability, property, social services professional, directors and officers and employment practices liability coverage all through one application, one policy and one carrier!

Allied Healthcare Professional and General Liability

Our Allied Healthcare Professional Liability and General Liability product covers over 35 classes of healthcare professionals and entities providing services for the mind and body with a maximum of 50 professionals per location.

Miscellaneous Errors and Omissions for Specified Professions

Provides liability coverage for the financial loss of a third party resulting from alleged violations of professional standards or errors in performing a professional service. We can consider over 100 unique classes of business including consultants, employment agencies, forensic investigators, tax preparers and many more.

Nonprofit Management Liability

Nonprofit and charity Directors and Officers are legally responsible for the day-to-day decision-making of their organization. These board members can be held personally liable for any breach of duty or employment-related claim. Our product is tailored to safeguard against the exposures these directors and officers face.

Technology Errors and Omissions

Covers the financial loss of a third party arising from the failure of a technology professional’s product or service to perform as intended or expected. The product is intended to protect providers of technology products and services, such as computer software and hardware manufacturers, application service providers, technology consultants, website designers and firms that store corporate data on an off-site basis.