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Commercial Lines Insurance Providers, Appetites, and Underwriting Guidelines

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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)
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
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Written through Smart Choice Appetite: https://commissions.smartchoiceagents.com/sites/default/files/chubb_appetite_guide2.pdf Writes food trucks

Erie Insurance - Direct - Package Policies, BOP, CA

See BTIS
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 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)
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  • Combining the best of markets, let New Age place your clients Restaurant establishments including; Casual Dining, Fast Food, Quick Service restaurants and so much more
  • Franchises 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
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  • Over 100 Commercial Markets
  • 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
  • YOU Own the Business
  • Easy Quoting Process
  • Quick Turn-Around Time
  • Appetite: BOP, Commercial Package, Monoline GL, Monoline Property, Flood (primary and excess), Cyber Liability, Motor Truck Cargo, Auto Physical Damage, Ocean Cargo, Bonds, Homeowners ($300k+), More...
  • Target Occupancies:  Restaurants/Taverns, Office Buildings, Shopping Centers, Apartments Buildings, Condo, HOA's, Hotel/Motel, Manufacturers, Gaming, Municipalities, Retail, Amusement/Recreation, More...
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
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  • 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

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