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Commercial Lines Insurance Providers, Appetites, and Underwriting Guidelines

We have access to 15 "A" or better rated insurance markets for placing this type of coverage, and we can place over 100 classes of Environmental/Pollution risks. We have recently seen success with: - Environmental Contractors & Consultants (minimum premiums starting at $2,000) - Contractor’s Pollution (minimum premiums starting at $1,000) - Environmental Site Pollution (minimum premiums starting at $3,000) - Above Ground & Underground Storage Tanks under 25 years old (minimum premiums starting at $500) - SOOOO many classes available
https://www.attuneinsurance.com/ They are a fintech MGA - quoting and issuing BOPs in under 10 minutes!

Businessowners' Policy

  • New ventures
  • Coastal property
  • Over 370 classes
  • Full binding authority
  • 100% straight through
  • High restaurant liquor receipts

Competitive Mainstreet appetite including food services, retail, wholesale, offices, and professional services.

Sample Policy - Restaurant.pdfSample Policy - Contractor.pdfSample Policy - Retail.pdfSample Policy - Lessors Risk.pdf
Written through Smart Choice & Coverwallet Appetite: https://guide.coverwallet.com/ https://commissions.smartchoiceagents.com/sites/default/files/chubb_appetite_guide2.pdf Writes food trucks
Provides coverage through Chubb, Hiscox, Liberty Mutual and Starr https://account.coverwallet.com/quick-links Appetite: https://guide.coverwallet.com/

Cox Specialty- Bars, Taverns, Special Events, Towing for Hire, Salvage Yards, Underground Storage Tanks

  • Appetite - https://www.coxspecialty.com/insurance-products/
    • Artisan Contractors
    • Bars/Taverns
    • Environmental Contractors
    • Lessor's Risk
    • Reposessors
    • Salvage Yards
    • Service Garage
    • Special Events
    • Towing for Hire
    • Underground Storage Tank Deductible Coverage
    • Amusement Center/Device
    • Apartments
    • Auto Auctions
    • Auto Dismantling
    • Beauty/Barber shop
    • Builders Risk
    • Campgrounds
    • Caterers & Halls
    • Concessionaires Food
    • Concessionaires Non-food
    • Condo Assn. or HOA
    • Contractors Equipment
    • Contractors Pollution Liability
    • Day Cares
    • Demolition Contractor
    • Distributors and Wholesaler
    • Environmental Consultants/Labs
    • Environmental Contractors
    • Excess/Umbrella
    • Exercise and Health Studio
    • Exterminators/Pest Control
    • Flea Market
    • General Contractors
    • Guides and Outfitters
    • Hotels/Motels
    • Hunt Clubs
    • Hunting Preserves
    • Janitorial
    • Landowners
    • Landscaping
    • Lessor's Risk
    • Liquor Liability
    • Logging & Lumbering
    • Manufacturers
    • Mobile Home Parks
    • Owners/Contractors Protective (OCP)
    • Pawn Shops
    • Private Clubs/Fraternal Organizations
    • Reposessors
    • Restaurants
    • Restoration/Mold Contractors
    • Roofers
    • Salvage Yards
    • Security/Patrol Agencies
    • Service Garage
    • Site Specific Pollution Liability
    • Special Events
    • Tanning Beds/Salons
    • Technology/Computer Services
    • Towing for Hire
    • Transportation Pollution Liability
    • Tree Trimmers
    • Underground Storage Tank
    • Used Car Dealers
    • Vacant Property
    • Waste Facilities
    • Waste Haulers
    • Welders
  • Premium Financing Available
  • Represents
    • Century Insurance Group
    • Conifer Insurance Company
    • Markel
    • MESA Underwriters
    • White Pine Insurance Company
    • Other brokerage markets

Erie Insurance - Direct - Package Policies, BOP, CA

  • Appetite (Risk Profiles) - https://portal.agentexchange.com/Lists/ProductContent/AEDispForm.aspx?ID=1151 - other classes also exist
  • Forms - https://www.agentexchange.com/agentsupplies/Forms_On_Demand/SearchForms.asp
  • Commercial Quote Resources - https://portal.agentexchange.com/Lists/ProductContent/AEDispForm.aspx?ID=1152
  • Quote BOP, Commercial Auto, - Log in to Agent Exchange https://www.agentexchange.com and Look at the green box that says "Quotes & Apps". Click the "Commercial" tab and choose "Ultrapack Plus" from the dropdown and then click the button.
  • Apps on the web - MUST USE Internet Explorer! - https://www.agentexchange.com/applications/cuapps/ for lines of business that cannot be quoted in real-time such as Business Umbrellas, Garage Autos, Commercial Fire
  • Risk Control Resources - https://portal.agentexchange.com/Lists/ProductContent/AEDispForm.aspx?ID=3829
  • Claims - https://www.erieinsurance.com/support-center/claims
  • E-Signatures - E-signatures can be completed through the Erie system or through EZLynx. If you do them outside of Erie's system:
    • For automatic payments transactions: If the Bank Account Holder's signature is not completed within 15 days on an ACH Authorization form, enrollment and bank account payment(s) will not be processed. The policy/policies will then be removed from automatic payments.
      • If for any reason an ACH Authorization form originally intended to be electronically signed is printed and signed on paper, it must be faxed to Cash Processing at 814-461-7464.
    • For new business transactions: Any applications that have not been signed by both the Customer and Agent within 23 days (16 days for DC) will be subject to cancelation. Once the eSignature process is started in DSpro Web, if for any reason the application is printed and signed on paper, it must be uploaded through the eSignature Dashboard.
  • Updated Builder’s Risk & Builder’s Risk Renovations Scenarios for Processing, Underwriting, Quoting & Agents for Ultraflex    With the implementation of the Quote and Application system for Ultraflex Builder’s Risk can now be written without property coverage. An Ultraflex policy can be property cov only, liability cov only, or builder’s risk & liability cov only.   Buildings Under New Construction – Builder’s Risk Scenarios: Scenario 1: Contractor building property under their own name to be leased or sold &/OR a contractor building property of others & does not own the property Scenario 2: Insured who is the property owner but has hired someone else to build the building including an individual or family having their own home built   Buildings Under Renovation – Builder’s Risk Scenarios: Scenario 3: Contractor renovating property under their own name to be leased or sold Scenario 4: Contractor renovating property for others Scenario 5: When an insured is still operating their business and renovating a portion of the building or having an addition built. This includes when they are making the renovations themselves or have hired a contractor but the insured is insuring the renovations. Scenario 6: Insured who is the property owner but has hired someone else to do the renovations and no business operations are currently being conducted. The insured is renovating a portion of the building or having an addition built. This includes when they are making the renovations themselves or have hired a contractor but the insured is insuring the renovations. Scenario 7: Individual or Family having an addition built on their existing home     Buildings Under New Construction – Builder’s Risk Scenarios: Scenario 1: Contractor building property under their own name to be leased or sold &/OR Contractor building property of others & does not own the property
    • Primary Operation – Carpentry Contractor
    • Location address (Loc 1 Bldg 1) is the address of the insured’s primary operations (I.E. their office in dwelling, or their carpentry office/storage address). Neither building nor contents coverage is required, however if applicable please add.
    • Liability Only (Un check the box for property coverage)
    • Insured interest type – Building Owner or Tenant
    • Part Occupied – Entire (cannot chose partial or system will require tenant operations)
    • Insured’s Liability
    • Carpentry Contractor – Primarily Outside (202, X202, C202, U202) based on total payroll including owners/officers but excluding clerical
    • Independent Contractor (0983) based on total estimated annual cost of subcontractors for all projects if subcontractors are used. All subs must be insured.
    ***Note: no additional liability charge for builder’s risk projects as the payroll and total cost of subs is included under loc 1 bldg 1 and the liability will extend for all job sites (this will be audited and updated accordingly at audit time)
    • Add Builder’s Risk coverage for the total cost of the building/project
    • When construction is completed the agent should take appropriate action removing the builder’s risk location
      Scenario 2: Insured who is the property owner but has hired someone else to build the structure from the ground up including individual or family having their own built ***Note: if liability coverage is not wanted this can be written on a monoline inland marine
    • Primary Operation – Whatever the building will be when completed
    • Location address (Loc 1 Bldg 1) address of the structure that is being built
    • Liability Only (Un check the box for property coverage)
    • Insured interest type – Building Owner
    • Part Occupied – Entire (cannot chose partial or system will require tenant operations)
    • Insured’s Liability
    • 0984 – Owners liability coverage for builders risk and buildings under construction – based on total cost of the project
    • Add Builder’s Risk coverage for the total cost of the building/project
    • When construction is completed the agent should take appropriate action to remove the builder’s risk location or move coverage to a more appropriate line of business.
      Buildings Under Renovation – Builder’s Risk Scenarios: Scenario 3: Contractor renovating property under their own name to be leased or sold (I.E. home flipper)
    • Primary Operation – Carpentry Contractor
    • Location address (Loc 1 Bldg 1) is the address of the insured’s primary operations (I.E. their office in dwelling, or their carpentry office/storage address). Neither building nor contents coverage is required, however if applicable please add.
    • Liability Only (Un check the box for property coverage)
    • Insured interest type – Building Owner or Tenant
    • Part Occupied – Entire (cannot chose partial or tenant operations are required)
    • Insured’s Liability
    • Carpentry Contractor – Primarily Outside (202, X202, C202, U202) based on total payroll including owners/officers but excluding clerical
    • Independent Contractor (0983) based on total estimated annual cost of subcontractors for all projects if subcontractors are used. All subs must be insured.
    • Location address (Loc 2 Bldg 1) is the address of the property being renovated
    • Property & Liability should be check marked
    • Insured interest type – Building Owner
    • Part Occupied – Entire (cannot chose partial or system will require tenant operations)
    • Check mark Building under renovation
    • Insured’s Operations – Buildings under renovation
    • Insured’s Liability
    • 0986 – Buildings under renovation
    • Exposure “1”
    ***Note: no additional liability charge for builder’s risk renovations projects as the payroll and total cost of subs is included under the contractors liability at loc 1 bldg 1 and the liability will extend for all job sites (this will be audited and updated accordingly at audit time) 
    • Add Scheduled Builder’s Risk coverage for the cost of the renovations. (Note: the protection class, construction type etc. should match what was entered as Loc 2 Bldg 1)
    • When renovations are completed the agent should take appropriate action removing builder’s risk from the policy
     

    Scenario 4: Contractor renovating property of others

    • Primary Operation – Carpentry Contractor
    • Location address (Loc 1 Bldg 1) is the address of the insured’s primary operations (I.E. their office in dwelling, or their carpentry office/storage address). Neither building nor contents coverage is required, however if applicable please add.
    • Liability Only (Un check the box for property coverage)
    • Insured interest type – Building Owner or Tenant
    • Part Occupied – Entire (cannot chose partial or tenant operations are required)
    • Insured’s Liability
    • Carpentry Contractor – Primarily Outside (202, X202, C202, U202) based on total payroll including owners/officers but excluding clerical
    • Independent Contractor (0983) based on total estimated annual cost of subcontractors for all projects if subcontractors are used. All subs must be insured.

    ***Note: no additional liability charge for builder’s risk projects as the payroll and total

       cost of subs is included under loc 1 bldg 1 and the liability will extend for all job sites
    • Add Builder’s Risk coverage for the cost of the renovations if not covered under an installation floater  
    • When construction is completed the agent should take appropriate action removing builder’s risk from the policy
      Scenario 5: When an insured is still operating their business and is renovating a portion of the building or having an addition built. This includes when they are making the renovations themselves or have hired a contractor but the insured is insuring the renovations.
    • Primary Operation – Whatever the insured’s operations are (I.E. restaurant)
    • Location address (Loc 1 Bldg 1) is the address of the insured’s primary operations
    • Rating Details
    • Fill out as appropriate based on insured (building, contents etc.)
    • Insured’s Operations will be the main operation of the existing business
    • Insured’s Liability – based on insured’s operations and exposure
    • 0986 –square foot area of the renovations or the square foot area of the addition being added
    • Add Scheduled Builder’s Risk coverage for the cost of the renovations.
    • When renovations are completed the agent should take appropriate action removing builder’s risk from the policy as applicable and updating liability at that structure removing code 0986
     

    Scenario 6: Insured who is the property owner but has hired someone else to do the renovations and no business operations are currently being conducted. The insured is renovating a portion of the building or having an addition built. This includes when they are making the renovations themselves or have hired a contractor but the insured is insuring the renovations.

    • Primary Operation – Building under Renovations
    • Location address (Loc 1 Bldg 1) is the address of the location being renovated
    • Rating Details
    • Insured Interest Type – Building Owner & Entire
    • Check Mark Building under renovation
    • Insured’s Operations – Buildings under renovation
    • Fill out the appropriate building details including building amount of insurance for existing structure
    • Insured’s Liability – 0986 - Building under Renovations based on existing total square foot area
    • Add Builder’s Risk coverage
    • Project type – under renovation
    • Renovation location details - (Note: the protection class, construction type etc. should match what was entered for the existing structure at loc 1 bldg 1)     
    • Amount of insurance – renovations amount
    • When construction is completed the agent should take appropriate action removing builder’s risk from the policy
    ***Note: if liability coverage is not wanted this can be written on a monoline inland marine  

    Scenario 7: Owner occupied individual or Family having an addition built on their existing home (The insured is the home owner who occupies the dwelling)

    • Existing structure and liability should be insured on a homeowner’s policy
    • Builder’s Risk for the value of the renovation under a monoline inland marine policy. If the project will take less than 6 months, it could be insured under the homeowner’s policy

Gateway Specialty - Specialty Brokerage - Social Services & Special Event Insurance

Appetite Markets
  • USLI
  • Nonprofits Insurance Alliance Group
  • CapSpecialty
  • Westchester
  • Beasley
  • Victor
  • Great American
  • Berkley Select
  • WKFC Underwriting Managers
  • Ironshore
  • Devon Park
  • Irwin Siegel Agency Inc
  • Hiscox
  • Business Risk Partners (BRP)
  • Tokio Marine
  • Huntersure
  • James River Insurance
  • GuideOne
  • Promont Insurance Advisors
See Coverwallet (preferred) or BTIS or Keating Bind all business in one place With over 180 + professions, there is a good chance that whatever line of businesses your client is in, Hiscox can help them get covered. Why do agents choose Hiscox? Instant Binding – Policy documents are emailed immediately Direct Bill – Hiscox handles all servicing and billing Automatic Renewal – Earn commission for the lifetime of the policy (as long as you are the agent of record)
JMWilson - Aviation, Commercial Bonds, Comprehensive Personal Liability, Construction & Contractors, Contract Bonds, Environmental, Farm & Ranch, Fidelity Bonds, Financial & Professional Services, Flood (PL & CL), Garage & Dealerships, Healthcare & Social Services, Home-Based Businesses, Hospitality, Inland Marine, Manufacturers, Wholesalers, & Distributors, Marine, Personal Watercraft, Real Estate & Habitational, Residential Property, Small Business, Sports & Entertainment Events, Tech, Transportation/Trucking, Umbrella, Vacant Home, auto auctions, auto maintenance & repair, contractors equipment dealers, emergency vehicle dealers, impound & salvage yards, machine shops, mobile detail & repair shops, motorcycle RV and Semi-trailer dealers, tire dealers, used auto dealers (non-franchised), valet operations, firearms manufacturers and retailers Your log-on to access the online rating from the www.jmwilson.com web site is as follows: Username: 347008 (your producer code) Password: parma3 (case sensitive) Writes business with:
  • Aegis (Mobile Home Only)
  • Atlantic Casualty
    • Many commercial classes available for GL, property, and package
  • Great American Insurance Group
    • Cyber Liability
    • EPL
    • Non-Profit D&O
  • Vacant Express (Vacant Dwellings)
  • AU Gold
    • Artisan Contractors
    • Builders Renovations
    • Consultants Package
    • Dwelling Fire
    • Ground Up Course of Construction
    • Kiosk
    • Lessors Risk
    • Office Package
    • Professional Liability
    • Retail/Mercantile Package
    • Special Events
    • Vacant Land
    • Vacant Package
  • Westchester, A Chubb Company
    • 1-4 Family Dwellings
    • Artisan Contractors
    • Churches
    • Commercial Umbrella *
    • Community Associations (monoline)
    • Community Associations (package)
    • Fitness Centers
    • Lessors Risk
    • Liquor Liability
    • Miscellaneous E&O *
    • Non-Profit D&O/EPL *
    • Professional Office Package
    • Professional Services Package
    • Restaurants (<30% liquor sales)
    • Retail Business Package
    • Social Services
    • Special Events
    • Truckers * Admitted Paper
  • Global Aerospace (Drones Only)
  • Hudson Insurance Group
    • Comprehensive Personal Liability
    • Admitted Umbrella
    • Non-admitted Umbrella
  • Tower Hill Specialty
    • Mobile Home
    • Dwelling
    • Homeowner
    • Renters
    • Condo
Concessionaires, Exhibits & Vendors, Short Term Special Events, Walk/Run Events, Weddings, Activity/Social Clubs, Camps, Dance, Gymnastics, D&O, Bands & Performing Groups, Entertainer, Fitness, K12 Voluntary, Martial Arts, Off-Track & Storage, Outfitters Guides, Private School K12, Sports, TULIP (tenant user liability insurance program - Catholic Diocese TULIP, K&K Tulip, Tradeshow Exhibitor Liability Program), Bowl Games, All-star games, Sports camps & clinics, esports, bowling/entertainment centers, skating, Party equipment rental, fitness/racquet, sport, gym, yoga instructors, air shows, event cancellation, event planners, fairs and fairgrounds, festivals, political campaigns, tourist attractions, zoos & aquariums, ampitheaters, arenas and stadiums, athletic fields, auditoriums, civic & convention centers, theaters and performing arts centers, motorsports, race teams, outfitters and guides, youth day camps, products liability, franchised powersport dealerships, franchised RV dealerships, resorts, campgrounds, Fraternal programs, racing tracks K&K Insurance
Phone
1-800-637-4757
Fax
1-866-463-3230
Claims
1-800-237-2917
  • Appetite
  • Forms
  • Quotes
  • Claims
  • Training
  • Appetite
  • Forms
  • Quotes
  • Claims
  • Training
  • Specialty Lines:
    • Cannabis
    • Entertainment
    • Environmental
    • Excess and Surplus Casualty
    • Excess and Surplus Property
    • Professional Liability
    •  Cyber
  • RestaurantsFranchises including; Dunkin Donuts, Wendys, Papa Johns, Pizzza Hut, Popeyes and more
  • Will write high liquor sales
Marty Ascher Manager - Business Development Team NEW AGE UNDERWRITERS AGENCY, INC. NEW AGE INSURANCE SERVICES, INC. Tel.516) 488-2500 Fax.516) 488-2508 1981 Marcus Ave. STE# C108, Lake Success, NY 11042 Email:m.ascher@newageins.com | Website:www.newageins.com
  • COMMERCIAL
    • Business Owners Policy
      • Restaurants (Casual Dining, Fine Dining, Fast Food & Limited Cooking)
      • Artisan Contractors
      • Professional & Medical Offices
      • Processing & Service Occupancies
      • Lessor's Risk
      • Retail Occupancies
      • Wholesale Occupancies
      • Commercial Package
        • Real Estate Risks (Apartments, Condominiums, Commercial Occupancies or Mixed-Use Building)
        • Hotels & Motels
        • Light Manufacturers
        • Restaurants
        • Taverns, Bars & Night Clubs
        • Vacant Buildings Wholesale Distributors
      • General Liability
        • Liquor Liability (Assault & Battery available without a sub-limit)
        • Janitorial Services
        • Contractors
        • Commercial Umbrella & Excess General Liability
        • Importing Operations
        • Manufacturers Pollution
        • Premises Operations
        • Vacant Land
        • Landscaping Operations (Including Snow Removal)
      • Professional Liability
        • Commercial & Surety Bonds
        • Financial Institutions Contractors
        • Directors and Officers
        • Consulting Firms
        • Insurance Agents & Brokers
        • Miscellaneous Professional Liability
      • Workers Compensation
        • Contractors
        • Light Manufacturers
        • Professional & Medical Offices
        • Restaurants
        • Service Industry
        • Retail & Wholesale Operations
      • Commercial Auto
        • Contractors
        • Light Trucks
        • Manufacturers
        • Retail & Wholesale Operations
        • TLC (NY Only)
        • Service Operations (No Passenger Transport)
  • PERSONAL
    • Homeowners
      • Condominium (Owner or Tenant Occupied)
      • Dwelling Fire
      • Flood
    • Personal Auto
    • Personal Umbrella
The above represents a partial list of available lines and classes / not all products available in all states Offers access to the following carriers:
  • Attune
    • BOP property values up to $7.5M per location, or total policy up to $15M TIV
    • $20M annual sales per account & $10M per location
    • 50,000 square feet per location
    • cyber, equipment breakdown, EPL, hired & non-owned auto, lessor’s risk, liquor liability, and professional liability available for select classes
  • Dovetail
    • GL (written with Hiscox)
    • Professional Liability
    • Flood (written with Torrent)
  • Hippo 
  • Next Insurance - https://www.newageins.com/copy-of-next
    • Commercial Auto
    • GL
    • Professional Liability
  • Admitted, E&S, Lloyd's of London Capacity
  • Available in 48 States (No Hawaii or Alaska)
  • Tier 1 & S CAT Zones
  • No Volume or Premium Requirements
  • Easy Quoting Process
  • Quick Turn-Around Time
  • Appetite:
    • Commercial Property Program
      • Nationwide Online Platform
      • Habitational Accounts
      • DIC, Excess
      • Master Policies
      • Tier 1 and Tier 2 Properties
      • Low Income Housing
    • Casualty Program
      • OL&T + Products Drive Account
      • Product Recall
    • BOP
    • Commercial Package
      • over 600 class codes
    • Cyber Liability
    • Flood (primary and excess)
    • Monoline GL
      •  Office
      • Habitational risks
      • Hotels & Motels
      • Retail/Lessor’s Risk
      • Municipalities
      • Educational
      • Light Manufacturing
      • Restaurants
      • Health clubs
      • Educational
      • Hospitals
      • Warehouses
      • Products Accounts
    • Monoline Property
      • Builder’s Risk (new construction & renovations)
      • Motor Truck Cargo
      • Oil & Gas
      • Solar Energy (LEED certified/“green” properties)
      • Stock throughput policies
      • Inland Marine
      • Communications
      • Electronic Data Processing
      • Medical Diagnostic & Scientific
      • Equipment
      • Miscellaneous Floater
      • Monoline Equipment Breakdown
      • Boiler & Machinery
      • Mortgage Impairment
      • Stand Alone Terrorism
      • Space
      • Off Shore
      • Manufacturing
  • Transportation Program
    • Motor Truck Cargo
    • Auto Physical Damage
    • Commercial Auto
  • Marine Program
    • Cargo, Hull
    • P&I
    • Stock Throughput
  • Environmental Liability
  • Management Lines
    • D&O
    • EPLI
    • Crime
    • Fiduciary
  • Bonds
  • Homeowners $300K+
  • Target Occupancies:  Restaurants/Taverns, Office Buildings, Shopping Centers, Apartments Buildings, Condo, HOA's, Hotel/Motel, Manufacturers, Gaming, Municipalities, Retail, Amusement/Recreation, More...
  • Other Classes
    • Condominiums
    • Apartments (all types)
    • Office
    • Warehouse (self-storage)
    • Vacant Property
    • Hotels & Motels
    • Restaurants
    • Municipalities
    • Mercantile
    • LRO (retail)
    • REITS & Asset Managers
    • Casinos
    • Entertainment (gentlemen’s clubs, bars, nightclubs, etc)
    • Manufacturing
    • Healthcare and Medical Facilities
    • Telecommunications and Media
    • Gas Plants
    • Petrochemical
    • Service Industries
    • Heavy Manufacturing
    • Agriculture
    • Metal and Mineral Processing
    • Power Generation including renewables
    • Religious and Non-Profit
    • Transportation Infrastructure
    • Utilities
    • Land Developers and Sub-Dividers
    • Oil & Petrochemical
    • Alternative Energy
    • Basic Metals and Glass
    • Chemical Plants
    • Drilling Rigs (Onshore & Offshore)
    • Pulp and Paper Refineries
If you have any questions, feel free to email us at Broker@novusunderwriters.com or visit us online at www.NovusUnderwriters.com. Novus Underwriters, Inc Commercial P&C MGA/Wholesale Insurance Broker www.NovusUnderwriters.com 2601 Main St, Suite 720 Irvine, Ca 92614 (949) 701 4613
  • Appetite
  • Forms
  • Quotes
  • Claims
  • Training
  • Chubb
  • CNA
  • Doveail
  • Guard
  • Liberty Mutual
  • The Hartford
  • Travelers
  • Assurant Flood
  • Attune
  • BTIS
  • Burns & Wilcox
  • CRC Group - does aviation, among other classes
  • Dovetail
  • Founders
  • Hagerty
  • Legends
  • Mexico Ins. On-line
  • National General
  • RMS Hospitality
  • RPS
  • SES
  • Tapco
  • Tokio Marine
  • Tower Hill Specialty
  • Vindati
  • Wright Flood
  • 5 Star Specialty
Appetite: https://secure.gotapco.com/api/WebDocument/941
  • Alarm Install, Service, or Repair
  • Appliance Repair & Installation
  • Air Conditioning & Heating
  • Carpentry
  • Concrete Construction
  • Debris Removal-Construction Site
  • Door, Window or Assembled Millwork - Installation Metal
  • Driveway, Parking Area or Sidewalk - paving or re-paving
  • Dry Wall or Wallboard Installation
  • Electrical Apparatus - Install, Service, or Repair - NOC
  • Electrical Work (within buildings)
  • Excavation
  • Fence Erection
  • Floor Covering Installation
  • Grading of Land
  • Handyman (residential)
  • Janitorial Services
  • Landscape Gardening
  • Lawn Care
  • Masonry
  • Metal Erection - Decorative or Artistic
  • Painting (Interior & Exterior)
  • Plastering & Stucco Work
  • Plumbing (residential & commercial)
  • Pressure Washing
  • Sheet Metal Work - shop and outside
  • Siding Installation
  • Swimming Pools - Install, Service or Repair
  • Tile, Stone, Marble, Mosaic or Terrazzo Work
  • Tree Trimming
To quote 1-800-334-5579
  • "A"-Rated Non-Admitted Carrier
  • Competitive Pricing
  • Fast Policy Turnaround
  • Quick Claims Handling
  • Optional Premium Financing Available through preferred finance companies
  • 1,000+ Eligible Class Codes
  • $10 Credit to Your Personalized TAPCO Visa Debit Card with each policy.
  • VISA, Mastercard, Discover, and ACH Payments Accepted

Tokio Marine - Direct - "Artisan Edge" contractors

  • Program Overview - https://www.tmhcc.com/en-us/products/artisan-general-liablity
  • Quotes - https://www.artisanedge.com/artisans/myaccount/account-summary
  • Broker Portals - https://www.tmhcc.com/en-us/broker-portals
  • Claims - https://www.tmhcc.com/en-us/claims
  • ArtisanEdge Fast Facts Flier
  • ArtisanEdge™ Contact us 855-733-9500 ArtisanEdge@tmhcc.com www.ArtisanEdge.com
    • Commercial and residential exposures accepted
    • Blanket Additional Insured endorsement included at no charge
    • Waiver of Subrogation included at no charge
    • Excess limits up to $5,000,000 available
    • AM Best A++ XV rated paper
    • Contractors General Liability - Most Popular Classes:
      • Carpentry – Finish
      • Concrete Contractor
      • Drywall Contractor
      • Electrical Contractor
      • Fencing Contractor
      • Floor Covering Contractor – (Not Tile or Stone)
      • Awning Contractor
      • Boiler & Steam Contractor
      • Carpentry – Framing
      • Ceilings or Wall Contractor
      • Debris Removal Contractor
      • Drilling Contractor – (Water)
      • Excavation Contractor
      • Glazing Contractor
      • Insulation Contractor
      • Lawn Care Services
      • Locksmiths
      • Masonry Contractor
      • HVAC Contractor
      • Landscaping Contractor
      • Low Voltage Systems Contractor
      • Painting Contractor
      • Renovation/Handyman
      • Tile & Stone Installation Contractor
      • Metal Erection – Decorative
      • Metal Products Contractor
      • Paperhanging Contractor
      • Refrigeration Contractor
      • Septic Systems Contractor
      • Sheet Metal Contractor
      • Sign Contractor
      • Sign Installation – Non-electrical
      • Solar Contractor
      • Swimming Pool Maintenance
      • Vacuum Systems Contractor
      • Water Conditioning Contractor
      • All Other Classes
    • Artisan Contractor Eligibility Overview
      • When you enter your client’s data into ArtisanEdge, class-specific questions will appear that assist us in determining eligibility. If your submission is referred to TMHCC for review, our team of underwriters will respond in minutes with an approval, a declination, or a request for clarification or more information.
      • Commercial operations (including apartment work) are acceptable for all classifications.
      • Residential work is acceptable for all classifications other than Glazing and Framing. Specified new residential exposures are acceptable unless noted.
      • You may apply up to four classes to a given risk. The following class-specific descriptions and guidelines are provided to help you pre-determine eligibility, however we encourage you to inquire with any questions you may have.
      • Class Descriptions (36 classes)
        • Awning Installation, modification or repair of aluminum, metal, vinyl or canvas awnings and patio covers. Installations can be either freestanding or attached to a structure.
          • No installation of temporary tents or awnings
          • No installation of patio enclosures or carport
        • Boiler and Steam
          • Installation, service and repair of power boiler systems, hot water heating systems and steam fitting operations,
          • including fire-tube and water-tube steel power boilers and hot water heating low-pressure boilers.
        • Carpentry – Framing
          • Framing and rough carpentry necessary to construct framed structures. Installation or repair of individual components of framing systems using metal or wood and any rough carpentry, including walls, floors, sub-flooring, siding, exterior staircases and railings, overhead doors, roof decking, truss members and sheathing. Incidental installation of structural steel is included.
          • Commercial only
          • No framing of structures more than 3 stories in height
          • Conditional Exclusion – Independent Contractors form (HCS 040 03) is mandatory for this class
          • Limitation to Designated Classification (HCS 080 02) is mandatory for this class
        • Carpentry – Finish
          • Fabrication and installation of cabinets, cases, sashes, doors, trims, non-bearing partitions, wood flooring and other interior wood items by cutting, surfacing, joining, gluing and fabricating wood, metal or other products to provide a functional surface. Ceiling or Wall Installation, modification or repair of all types of suspended ceilings.
          • No electrical work of any kind
        • Concrete
          • Forming, pouring, finishing and installation of specified mass, pavement, flat and other concrete work. Placement and setting of screeds for pavements or flatwork. Placement and erection of steel bars for the reinforcing of concrete.
          • No insureds whose work is primarily the application of concrete coatings or waterproofing .
          • No construction of roads or bridges.
          • No guniting or shotcete work.
          • No caisson, cofferdam, subway, tunnel or sewer work.
          • No swimming pool construction.
          • No foundation repair.
        • Debris Removal
          • Clean-up and/or removal from building grounds or structures of any debris resultant from a construction project.
          • No demolition work of any kind
          • No dirt haul for hire
        • Drilling – (Water only)
          • Installation and repair of water wells and pumps, including the necessary plumbing and electrical work necessary to install or service water wells.
          • No drilling for the purpose of extracting soil samples for environmental testing
          • No drilling in connection with oil wells
          • Limitation to Designated Classification (HCS 080 02) is mandatory for this class
        • Drywall
          • Laying out and installation of gypsum wallboard and gypsum wallboard assemblies including nonstructural metal framing members. Taping and texturing operations including the application of compounds that adhere to wallboard to produce a desired surface.
          • No plastering or EIFS (Exterior Insulation Finishing Systems
        • Electrical
          • Placement, installation, connection and servicing of electrical wires, fixtures and related apparatus. Work is allowed up to 480 volts.
          • No installation, construction or maintenance of power lines
          • No monitoring of alarm systems
        • Excavation
          • Digging, moving and placing of material forming the surface of the earth, other than water, to create cuts, fills, excavations, grading, trenches, or backfill.
          • No excavation exceeding 15 feet
          • No excavation for public streets, roads or highways
          • No tunneling, caisson, cofferdam, canal, pile driving, levee dike or dam work
          • No excavation in connection with swimming pool installation
          • No building demolition
          • Limitation to Designated Classification (HCS 080 02) is mandatory for this class
          • Conditional Exclusion – Independent Contractors form (HCS 040 03) is mandatory for this class
        • Fencing
          • Construction, erection, alteration or repair of all types of fences, corrals, runs, railings, game court enclosures, backstops, posts, flagpoles and gates.
          • No construction, installation or repair of masonry walls
          • No installation or repair of roadside guardrails
          • No installation or servicing of electrically charged fences
        • Floor Covering (No Tile or Stone)
          • Installation, finishing and repairing of flooring and floor coverings of any surface including carpet, resilient sheet goods, resilient tile, wood floors and flooring.
          • No installation of ceramic, terrazzo, tile, concrete or stone floor coverings (See Tile and Stone Installation classification)
        • Glazing (sales based)
          • Selection, cutting, assembly and installation of all makes and kinds of glass, glass work, mirrored glass and glass substitute materials. Includes the fabrication, glazing and installation of frames, panels, sashes and doors and screens.
          • Commercial only
          • Premium is based on gross sales for this class
          • Limitation to Designated Classification (HCS 080 02) is mandatory for this class Heating, Ventilation, Air Conditioning (HVAC) Fabrication, installation, maintenance, servicing and repair of warm-air heating systems, water heating pumps, warm-air appliances, ventilating systems, air-conditioning systems, and the ducts, registers, flues, humidity and thermostatic controls and air filters in connection with any of these systems. Includes systems which utilize solar or LPG as a source of energy.
          • No delivery or set-up of LPG tanks 500 gallons or greater Insulation
          • Application or installation of acoustical or thermal insulating material in buildings or within building walls.
        • Landscaping Services
          • Construction, maintenance, repair, installation of landscape systems for public and private gardens. Preparation and grading of plots and areas of land for the installation of trees, shrubs, flowers and lawns.
          • Lawn irrigation and sprinkler
            • installation and repair work. Lawn care maintenance.
            • No tree pruning, trimming or removal which requires a ladder or other elevation device
            • No construction or installation of decks, fountains, ponds or other water features
            • No retaining walls over 4 feet
            • Policy includes Lawn Care Services Coverage (CG 22 93) – for application of “over-the-counter” herbicides and pesticides
          • Snow removal - residential only; No bobcat or plow
          • Lawn Care
            • Lawn and yard maintenance services only, such as mowing, fertilizing, edging, and removal of leaves and debris.
            • Incidental lawn sprinkler repair is allowed.
            • No landscape installation or construction of any type
            • No tree pruning, trimming or removal which requires a ladder or other elevation device
            • Policy includes Lawn Care Services Coverage (CG 22 93) – for “over-the-counter” herbicides and pesticides
        • Locksmiths (sales based)
          • Installation, modification or repair of power and/or manually activated door and window locks with related hardware.
          • Installation and repair of built-in safes and vaults.
          • 45Premium is based on gross sales
        • Low Voltage Systems
          • Installation, servicing and maintenance of communications and low voltage systems not exceeding 91 volts. Systems may include: telephone, communications, entertainment, cable television, closed-circuit video, satellite dish antennas, instrumentation and temperature controls, alarm installation,= and landscape lighting.
          • No monitoring of alarm systems
        • Masonry
          • Fabrication and installation of masonry component units for structural load bearing and non-load bearing walls for structures and fences installed with or without mortar.
          • Application of ceramic veneers (not tile), thin brick or stone for facing and paving. Waterproofing, cleaning and caulking incidental to masonry construction.
          • No construction or repair of fireplaces or chimneys
          • No waterproofing of basements or foundations to prevent water intrusion
        • Metal Erection – Decorative
          • Assembly, casting, cutting, shaping, stamping, forging, welding, fabrication and installation of any metal for the architectural treatment and ornamental decoration of structures.
          • No sheet metal fabrication
        • Metal Products
          • Installation, modification or repair of: a) metal cabinets, lockers, modular storage structures, mail chutes, cable racks, and aluminum or vinyl storm doors and windows; b) metal wall or ceiling tiles, aluminum fascia covers and metal gutters; and c) aluminum studs and trusses, metal railings and turnstiles, welded-to-structure furniture, grills and cabinets.
        • Painting
          • Surface preparation and application of paints, papers, textures, fabrics, pigments, oils, turpentines, driers, thinners, varnishes, shellacs, stains, fillers, waxes, adhesives, water and any other materials which adhere by evaporation and may be mixed, used and applied to the surfaces of walls and structures.
          • No painting of metal structures or bridges
          • No sandblasting
          • No contractors in the business of waterproofing basements or foundations to prevent water intrusion
        • Paperhanging
          • Application of all types and varieties of decorative wall coverings, including paper and vinyl goods, cork, burlap and carpet-type wall coverings.
          • No painting or paneling
        • Refrigeration
          • Construction, fabrication, erection, installation, maintenance, servicing and repair of refrigerators, refrigerated rooms, and insulated refrigerated spaces, temperature insulation, air-conditioning units, ducts, blowers, registers, humidity and thermostatic controls for the control of air, liquid, and/or gas temperatures.
        • Renovation / Handyman
          • Renovation, remodeling or repair of existing commercial and residential buildings.
          • No home building
          • No fireplace or chimney installation/repair
          • No renovation or repair of mobile homes
          • No foundation repair
          • No window repair or replacement except as part of an overall renovation
          • Roofing allowed only as part of an extension of square footage and must be subcontracted
          • Limitation to Designated Classification (HCS 080 02) is mandatory for this class
          • Conditional Exclusion – Independent Contractors form (HCS 040 03) is mandatory for this class
        • Septic Systems
          • Installation, servicing, repair and cleaning of septic systems.
          • No septic system work on recreational vehicles
        • Sheet Metal
          • Fabrication and installation of sheet metal such as cornices, flashings, gutters, leaders, pans, kitchen equipment, and duct work.
          • No fabrication and/or installation of metal roofing systems, chimney flues or fireplace systems
        • Sign Installation
          • Fabrication, installation, erection and repair or modification of non-electrical and electrical signs, including the wiring.
        • Sign Installation – Non Electrical
          • Fabrication, installation, and repair or modification of all types of non-electrical signs. Solar Installation, modification, maintenance and repair of thermal and photovoltaic solar energy systems.
        • Swimming Pool Maintenance
          • Maintenance of swimming pools, hot tubs and spas, or fountains.
          • No pool installation or repair work.
          • Limitation to Designated Classification (HCS 080 02) is mandatory for this class
        • Tile and Stone Installation
          • Installation of glazed wall, ceramic, mosaic, quarry, paver, faience, glass mosaic and stone tiles, faux brick, natural or simulated stone slabs for bathtubs, showers and horizontal surfaces inside of buildings.
          • No structural installation of masonry or glass block or structural partition tile
          • No swimming pool or spa work
        • Vacuum Systems
          • Installation, modification, maintenance or repair of central vacuum systems, pneumatic tube dispatching systems, or any other type of pipeline which operates systems of reduced pressure for any purpose.
        • Water Conditioning
          • Installation of water conditioning equipment with the use of only such pipe and fittings as are necessary to connect the water conditioning equipment to the water supply system. The sale of water softening chemicals and water softening equipment, but only if the equipment is installed by the insured.
See BTIS
  • First State Bank Premium Finance – www.fsbpf.com – $1500 min premium
    • Chuck Huffman – chuckh@fsb-wv.com 304-757-2215
    • Stephanie Ferguson – stephanief@fsb-wv.com 304-691-6507
    • Lisa Nolen – lisan@fsb-wv.com 304-757-2210