--Andy Barile, CPCU, President, Arrowhead General Agency, Commercial Division
The scope of the contracting field ranges from one-person operations that generate $500 to large general contractors with over $500,000 in premium. Artisans--by far the largest segment of this universe--includes plumbers, electricians, painters, drywallers, carpenters and masons. Many artisan contractors will also serve as sub-contractors for a general contractor on larger projects. Most carriers place them in a BOP policy.
Along with the rest of the economy, the construction industry has experienced expansion. Major construction projects (including roadways) are in full swing in almost every part of the country.
According to a January 1999 report from IMR (Insurance Market Research), of the top ten niche markets in the United States, general contractors/operative builders and plumbing/heating/air conditioning contractors were fourth and tenth respectively. They collectively generate $5 billion in premium. Although numbers in that premium range will attract competition for the business, contractors are not the easiest market to play in. Coverage can be difficult to obtain for some exposures. Audits can be a time-consuming activity, and then collecting additional premium after an audit sometimes can be a problem. Insurers are sensitive to new operations from a financial and experience standpoint. Workers compensation is becoming a difficult placement in several areas, and contractor risks are on that high side of difficulty.
The "Montrose" court decision of 1994 affected the availability of markets, especially in California, which is a huge market for contractors. This decision expanded the exposure insurers had on the risk beyond existing policy periods. Fortunately, this effect has subsided to some degree.
The most recent occurrence concern is exterior insulation finish systems. According to Mike Myers, program director for HEATH Insurance Brokers (Southern California) for residential contracts: "There are two current developments of some interest, one negative and the other positive. The bad news is that contractors that had used EIFS (exterior insulation finish systems) later discovered that it was subject to water intrusion problems. Thus, some carriers now exclude claims related to the installation of EIFS."
Myers continued: "The positive trend is the more frequent videotaping by residential contractors of not only their finished work, but the final walk-through with home purchasers. The videotapes are usually quite helpful in defending lawsuits alleging breach of warranty, misrepresentation, or negligence."
Your client does not need to be an environmental contractor in order to face potential claims. It is important that you are aware of all activities that the client performs. It may be an innocent case of disposing of empty paint cans in a dumpster during disposal of used building materials. If the toxic material contaminates another site, your client is a candidate for a lawsuit. Loss control procedures are a must in controlling and disposing of all materials and chemicals. Anything can be deemed to be a contaminant if it is in the improper environment. Another important thing to keep in mind is that your client is subject to many government agencies. Bringing these exposures to the prospect's attention and offering solutions may very well be the reason he/she needs to make a change in agents.
Most classes are experiencing some level of price and underwriting firming. Contractor risks certainly are no exception. Some reinsurers have withdrawn from carriers writing contractors. Andy Barile, CPCU, president of Arrowhead General Agency's commercial division, confirms that this has taken place. "We expect to see more casualties in the ranks of insurers that neglected to carefully underwrite contractor exposures. We have witnessed MGAs losing their reinsurance support, insurers being forced into liquidation, companies downgraded by A.M. Best, and complete company withdrawal from this class of business. All this relates to being able to take rate increases and manage the negative spread between rising cost and price increase. Retail agents should prepare their contracting insured to pay increases of at least single digits for the general liability coverage."
Barile's opinion is: "Whenever we have pricing improvement for contractors insurance we open ourselves up to competition from the surplus lines insurance carriers, who have acted in a more aggressive manner, undercutting the admitted carriers. Reinsurers of surplus line carriers will need to spend more time revisiting the pricing strategies of these companies, thus enabling us to reap the benefits of contractor insurance price firming."
Arrowhead writes artisan contractors in California, Arizona, and Nevada.
Surety bonds for contractors are written on the basis of performance, payment, bid, license, permit and other miscellaneous bonds required by local governments. The smaller contractor may need to successfully complete several jobs to show stability and financial management for the risk to be acceptable to some carriers. If you can place the bonds along with the general liability and other coverage you can grow along with your client. Collateral, along with good financial statements, is necessary to write the more difficult bonds that will be required as your client obtains larger projects.
The Insurance Marketplace for 2001 lists more than 13 different classes of contractors. They range from artisan to XCU liability. You can also access the free Web site at www.insurancemarketplace.com, select the coverage, and then click on your state to locate markets available in your area.
The following markets have replied to our survey for contractor and surety coverages. Some do not operate in all states. Pay particular attention to the target markets listed for each company because most will not consider all classes of contractors.
Agency Marketing Services
P.O. Box 41786
St. Petersburg, FL 33743
Contact: Stephanie Hays or Ken O'Neill, V.P.
Phone: (800) 542-2805
Fax: (727) 343-4123
E-mail: shays@agencymarketing.com
An MGA/E&S broker operating in FL offering limits of $1 million/$2 million and up to $50 million on excess. All classes are considered. Contractors and property are also written. Various A rated carriers are utilized to place coverage.
American Patriot Insurance Agency
2215 S. York Rd.
Oak Brook, IL 60523
Contact: Mary-Beth Woomer
Phone: (800) 894-9091
Fax: (630) 990-9098
A wholesale agency operating in all states. Primary and excess are available. Target markets are roofing, siding, and insulating contractors. Commercial auto, property, inland marine, surety, and workers compensation are also written. Legion, Kemper, and Villanova Insurance Companies are the A rated carriers utilized to place coverage.
American Security Underwriters Agency
111 John St.
New York, NY 10038
Contact: Abe Snyder
Phone: (212) 285-5522
Fax: (212) 619-3818
E-mail: asnyder@amc-1.com
An MGA/E&S broker operating in PA, NJ and NY offering limits of up to $50 million. Auto liability is also available. A rated carriers are utilized to place coverage.
Apollo General Insurance Agency, Inc.
19485 Sonoma Hwy.
Sonoma, CA 94585
Contact: Reilly May, demolition contractors Cecelia Barlaan, other contractors
Phone: (800) 624-5829
Fax: (707) 996-7912
An MGA operating in all states for demolition contractors and AZ and CA for other contractors offering $1 million/$2 million on primary, $5 million umbrella on demolition contractors and $1 million on primary and $5 million on property limits for other contractors. A rated and admitted carriers are utilized to place coverage.
Arrowhead General Insurance Agency, Inc.
420 W. Broadway, Ste. 1400
San Diego, CA 92101
Contact: Andy Barile
Phone: (800) 903-5489, Ext. 5030
An MGA operating in AZ, CA and NV offering limits of up to $1 million/$2 million. Target market is 57 artisan contractor classes. No roofers are considered. Inland marine is also written. A rated and admitted Claredon National is the carrier.
BAT Insurance Corp.
465 S. Beverly Dr.
Beverly Hills, CA 90212
Contact: Tony Trocino, CPCU
Phone: (310) 282-0753
An E&S broker operating in CA and NV offering limits of up to $50 million. Target market is artisan contractors. Property, inland marine, pollution and EPLI are also available. A rated Claredon, Everest, and Zurich of London are the carriers.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Jeff Latke, ASLI, Ext. 147, Tony Ambrose, ASLI, Ext. 143, or David Haumesser, CPCU, Ext. 150
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: info@RussellBond.com
An MGA operating in NY offering limits starting at $100,000. Target markets include hard-to-place artisan contractors, large general contractors, project managers, marine contractors, contractors with poor experience or tough exposures, environmental contractors. GL, inland marine, salting, D&O, EPLI, workers compensation, design E&O, pollution, auto, and umbrella are also written. Various A rated carriers are utilized to place coverage.
Bond Brokers, Inc.
6160 N. Cicero
Chicago, IL 60646
Contact: Craig Sherman
Phone: (888) 488-BOND
E-mail: tuffbond@aol.com
Web site: www.bondbrokersinc.com
A surety broker operating in all states offering bonds up to $20 million. Target markets include specialty performance, payments and hard to place. A rated and T listed carriers are utilized to place coverage.
Burns & Wilcox, Ltd.
30833 Northwestern Hwy., Ste. 220
Farmington Hills, MI 48334
Contact: home office for local branch
Phone: (800) 521-1918
An MGA/E&S broker operating in all states except AK, HI, MA, ME, NJ, NY and WA offering limits of up to $25 million. Contractors equipment and commercial auto are also written. Various carriers are utilized to place coverage.
Capitol Indemnity Corp.
P.O. Box 5900
Madison, WI 53705
Contact: Jess Wadle, Brent Branigan, or Larry Morris
Phone: (608) 231-4450
Web site: www.capitolindemnity.com
An insurer operating in all states except AK, CA, CT, HI, MA, ME, NC, NH, NJ, NY, RI, WV and VT. Target markets are small to medium-sized accounts for license, permit and miscellaneous bonds. Capitol Indemnity is an A+ rated carrier.
Century Insurance Group
P.O. Box 163340
Columbus, OH 43210
Contact: Tom Rossi, Eastern Region Phone: (800) 850-0433
Randy Williams, Western Region Phone: (800) 337-7154
Web site: www.centurysurety.com
An insurer operating in all states expect MA, ME, NH, NY and RI offering GL of $1 million/$2 million and up to $5 million in excess. Target markets include service, artisan, and contractors' equipment rental. Residential and general contractors are considered. Century Insurance Group is A-6 rated.
CISCO (Construction Industry Services Corporation)
120 Mineola Blvd., Ste. 200
Mineola, NY 15501
Contact: Martin Regine, Vice President
Phone: (800) 442-4726
Fax: (516) 294-5826
E-mail: m.regine@worldnet.att.net
An MGA operating in AZ, CA, CO, CT, FL, GA, MD, NC, NJ, NM, NV, OH, OR, PA, RI, SC, UT, VA and WA offering limits of up to $2 million on GL and $1 million CSL on commercial auto. Target markets are trade contractors excluding roofing, asbestos removal, scaffolding, and high-risk steel erectors. Legion is the A IX rated carrier.
Commodore Insurance Services
329 Rheem Blvd., Ste. 200
Moraga, CA 94556
Contact: Tony Tolman, Lupe Velasquez, Amber Powers
Phone: (925) 247-2000
Fax: (925) 247-2100
Web site: www.commodoreins.com
An MGA/E&S broker operating in CA offering limits of up to $1 million/$2 million. Target markets include small to medium contractors; no property or inland marine is written. The A rated or better carriers are General Security Insurance and Hudson Insurance Companies.
Continental/Marmorstein & Malone
P.O. Box 586
Paramus, NJ 07652
Contact: Bill Malone
Phone: (800) 932-0249
Fax: (201) 261-8922
E-mail: bmalone@ca-group.com
Web site: www.ca-group.com
An MGA/E&S operating in NJ and NY offering primary limits of $1 million/$2 million; excess is available. Contractor equipment and builders risks are also written. All classes are considered. Carriers include American Empire, American Equity, Burlington, Essex, Monticello, Mount Vernon, Nautilus and Western World Insurance Companies.
Contractors' Choice
140 S. Lake Ave., Ste. 302
Pasadena, CA 91101
Contact: Donna House
Phone: (626) 844-2464
Fax: (626) 844-2460
E-mail: contractors@arrowheadgrp.com
Web site: www.Contractors-Choice.com
A wholesaler operating in all states for GL and CA for workers compensation offering limits of $5/5/5 million GL and statutory workers compensation limits. Employers liability limits are $1/1/1 million. Target markets are general contractors, projects and construction wrap-ups. A rated or better are Legion and General Security Insurance Companies.
Crusader Insurance Co.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Gay Corbett
Phone: (800) 669-9800
Fax: (818) 591-9856
Web site: www.crusaderinsurance.com
An insurer operating in CA, OR and WA offering limits of up to $1 million/$2 million. Target market is artisan contractors; no general or roofing contractors. Crusader is an A VI rated carrier.
Cushman Insurance Agency, Inc./Med-Guard
775 Station St.
Herndon, VA 20170
Contact: William Cushman
Phone: (800) 833-7090
Fax: (703) 471-0938
E-mail: info@cushmaninsurance.com
An agency operating in all states except HI and WV offering contract and miscellaneous surety bonds. A rated and admitted carriers are utilized to place coverage.
The Distinguished Programs Group
6 E. 43rd. St., 15th Floor
New York, NY 10017
Contact: Carla Vel, Executive Vice President
Phone: (888) 355-4626
Fax: (212) 297-3132
E-mail: cvel@distinguished.com
Web site: www.distinguished.com
An MGA operating in all states except CA, AZ and NV offering limits of up to $5 million/$10 million/$25 million. Target markets are all classes up to $15 million in gross receipts. High hazard, abatement, bridge, blasting, and tunneling are not written. Markel Insurance Group is the A IX rated carrier.
ECS, Inc.
P.O. Box 636
Exton, PA 19341
Contact: Mark Elgin, A.V.P., Project Division
John Webster, A.V.P., Surety Division
Gerry Rojewski, A.V.P., Construction Division
Phone: (800) 327-1414
Web site: www.ecsinc.com
An insurance carrier operating in all states and Puerto Rico with worldwide capabilities offering limits of $100 million/$100 million on liability and $10 million to $60 million for surety. Target market for GL is artisan contractors. Surety is available for environmental, demolition, asbestos abatement, excavation, and heavy highway contractors. A rated or better carriers are Greenwich and Indian Harbor Insurance Companies.
Enstar Underwriters, Inc.
2400 Corporate Exchange Dr., Ste. 290
Columbus, OH 43231
Contact: Mark A. Sowle
Phone: (877) 616-2867
An MGA operating in all states except MA, ME, NH, NY and RI offering limits of up to $5 million. Target markets include contractors pollution including environmental, hazardous materials, and non-environmental contractors. Coverage is available included in the GL or monoline. Coverage includes disposal liability and can be written on a per-project basis. A rated or better admitted and nonadmitted carriers are utilized to place coverage.
Environmental Risk Managers, Inc.
P.O. Box 1127
Leland, MI 49654
Contact: Chris Bunbury
Phone: (231) 256-2122
Fax: (231) 256-2123
E-mail: jcbunbury@aol.com
Betsey Kerber
Phone: (616) 793-3396
Fax: (616) 793-4286
E-mail: Betsey@accn.com
Web site: www.eStrategist.com
An E&S broker operating in all states offering limits of up to $50 million with higher limits available. Target markets are any risk impacted or having an environmental exposure. All environmental coverages including surety are written. A rated or better carriers are utilized to place coverage.
Excel Insurance Services, Inc.
301 Oxford Valley Rd., Ste. 402A
Yardley, PA 19067
Contact: Dennis Pellegrino
Phone: (877) 369-2999
E-mail: dennisp@excelins.com
An MGA/E&S broker operating in NJ and PA offering limits of $1 million/$2 million on primary with umbrella available. Commercial auto is written for artisan contractors. A rated or better carriers are utilized to place coverage.
Fireman's Fund McGee Marine Underwriters
Two World Trade Ctr., 47th Floor
New York, NY 10048
Contact: Ed Helfers, NY or field personnel as listed (access Web site)
Phone: (212) 524-8600
Web site: www.ffic.com
An insurer operating in all states offering limits of up to $50 million. Target markets include contractors' equipment, builders risk, installation, rigging and transportation. Fireman's Fund Insurance Company is A+ rated.
Freberg Environmental Insurance
1675 Broadway, Ste. 2210
Denver, CO 80202
Contact: Danelle R. Nielsen
Phone: (800) 377-4152
Fax: (303) 623-8101
E-mail: info@feiinsurance.com
Web site: www.feiinsurance.com
An MGA operating in all states offering limits of up to $5 million/ $5 million. Target markets are environmental consultants, engineers, and contractors. Workers compensation is also written. A rated or better carriers are Gulf Insurance Group and Lloyd's of London.
Gateway Underwriters Agency
755 S. New Ballas Rd., Ste. 130
St. Louis, MO 63141
Contact: Mary Beth Fox or Barb Smeltz
Phone: (800) 325-7652
Fax: (314) 567-4552
E-mail: marybeth.fox@gua-stl.com barb.smeltz@gua-stl.com
A general agent operating in IA, IL, KS, MO and NE offering primary limits of up to $2 million/$4 million. Umbrella, EPLI and pollution are available. Target market is artisan contractors. A rated or better carriers include Nautilus, Western World, and First Financial Insurance Companies.
Global Risk Management Services, Inc.
111 John St., Ste. 2500
New York, NY 10038
Contact: William H. Hutto or Spencer Zettler
Phone: (212) 285-2100
Fax: (212) 285-4726
E-mail: globalrisk@earthlink.net
Web Site: www.globalriskmgmt.com
An MGA/E&S broker operating in all states. Carriers include Travelers, Great American, XLA Surety, and Gulf Insurance Group.
H.W. Gorst Company, Inc.
805 Fairmont Ave.
Glendale, CA 91203
Contact: Jennifer Clark, Cindy Langbenn, or Chip Polhill
Phone: (818) 507-0900
Fax: (818) 507-1133
E-mail: customerservice@gorst.com
An E&S broker operating in CA offering limits of $1 million/$2 million on primary. Commercial auto, excess, and umbrella are also written. Target market is artisan and environmental contractors. Carriers include Topa, Environmental Casualty, and Western Specialty Insurance Companies.
HEATH Insurance Brokers, Inc. - Dallas
3100 Monticello, Ste. 900
Dallas, TX 75205
Contact: Rosemarie Marshall or Hardy Nix
Phone: (800) 525-5544
Fax: (214) 528-3999
E-mail: rmarshall@hibi.com hnix@hibi.com
An MGA/E&S broker operating in all states and internationally offering limits of up to $50 million. Target market is all classes of contractors. Builders risk and inland marine are also written. Various A rated admitted and nonadmitted carriers are utilized to place coverage.
Hermitage Insurance Company
707 Westchester Ave., Ste. 411
White Plains, NY 10604
Contact: Dan Kearney, V.P. Underwriting
Phone: (708) 873-7377
Home office:
Phone: (914) 683-8008
Fax: (914) 683-8245
E-mail: hermi.com
An insurer operating in AL, CA, CT, GA, FL, IA, IL, IN, KS, KY, LA, MA, MI, MN, MS, MT, NE, NC, ND, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, WV, WI and DC offering limits of $3 million and up to $5 million with facultative. Target markets include artisan contractors and residential general contractors. GL and products/completed operations are also written. Hermitage is a B++ rated carrier.
International Excess & Treaty Managers, Inc.
Massasoit Office Park, Ste. 113
400 Massasoit Ave.
East Providence, RI 02914
Phone: (800) 343-7999
E-mail: ietmri@aol.com
Web site: www.ietm.com
An MGA operating in CT, MA, ME, NH, NY, PA, RI, VT, WA and DC offering limits of up to $1 million/ $2 million. Umbrella and excess are also written. All classes of any size are considered. Various A rated carriers are considered.
Jimcor Agencies
15 Ver Valen St.
Closter, NJ 07624
Contact: Coryn Mastowski
Phone: (800) 334-0474
Fax: (201) 784-7901
E-mail: cmastowski@jimcor.com
Web site: jimcor.com
An MGA/E&S broker operating in DE, MO, NJ, NY and PA offering limits of up to $5 million on primary and $25 million on umbrella. Target market is general contractors. All contractors are considered. A rated admitted and nonadmitted carriers are utilized to place coverage.
H.R. Keller & Company
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: Rob Martin, John Barton, or Steve Maghran
Phone: (800) 424-2202
Fax: (716) 874-4920
E-mail: rmartin@kellerandco.com
A general agency/wholesaler operating in NY. Limits of liability will vary by carrier. All classes regardless of size are considered, as well as hard-to-place risk. Package and monoline policies are written. Inland marine, commercial auto and workers compensation are available. Various admitted and nonadmitted carriers are utilized to place coverage.
M.J. Kelly Company, Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Jean Phillips
Phone: (800) 725-7211
Fax: (417) 883-7103
Web site: www.mjkelly.com
An E&S broker operating in AR, FL, IL, KS, MO, MS, NE, OK, TN and UT offering limits of up to $500,000 for surety bonds. Carriers include Connecticut Surety, Old Republic, Western Surety, and Amwest Surety.
Kemper Environmental
155 Village Blvd.
Princeton, NJ 08540
Contact: Michael A. Davis. RPLU, PG, V.P. Underwriting
E-mail: mdavis@kemperinsurance.com
Fax: (609) 936-3192
Contact: Michael Greer, Director of Surety
E-mail: mgreer@kenmperinsurance.com
Phone: (800) 679-0025
Fax: (609) 936-3112
Web site: www.kemperenvironmentql.com
An underwriting unit of Kemper Casualty Company operating in all states and Canada offering limits of $100 million/$200 million. Target markets are insurance and surety coverage for environmental contractors and consultants. Contractors pollution legal liability, GL Plus, GL pollution, professional liability, contractor pollution liability, and umbrella are written. Kemper Casualty Company is A XV.
London American General Agency, Inc.
10085 Carroll Canyon Rd., Ste. 100
San Diego, CA 92131
Contact: Rochelle Cordova or Desiree Rawlinson
Phone: (858) 547-9000
An MGA operating in CA offering limits of up to $2 million. Target markets include small artisan contractor and new construction for tract homes and condos and apartments. Carriers are Environmental Fire & Casualty, A V rated, and Interstate Fire & Casualty.
Market Finders Insurance
P.O. Box 6549
Louisville, KY 40206
Contact: Karen Cornett, Greg Seibel or Charlene Curry
Phone: (800) 626-5660
Fax: (502) 426-7970
E-mail: k.cornett@mfic.com
An MGA operating in IN, KY, OH, SC, TN and WV offering limits of up to $3 million, CSL. Various a rated carriers are utilized to place coverage.
G.A Mavon & Company
10 W. Chicago Ave.
Hinsdale, IL 60521
Contact: Chuck Lynch, Dirk Salisbury, or Ken Cuprisin
Phone: (877) 426-2866
E-mail: info@mavon.com
An MGA/E&S broker operating in IL and IN offering limits of up to $1/ million on primary with excess available. Target markets include artisan and small contractors. A rated Commercial Casualty is the carrier.
McSweeny Agency E&S
505 High St.
Burlington, NJ 08016
Contact: Richard McSweeny
Phone: (609) 387-0101
Fax: (609) 387-7171
An MGA/E&S broker operating in NJ and PA offering limits of up to $10 million. Target markets are general contractors, new homebuilders, and roofers. A rated or better carriers are utilized to place coverage.
Metcom Excess
596 Anderson Ave., Ste. 301
Cliffside, NJ 07010
Contact: Charles McClosky Jr. or James D. James
Phone: (800) 521-1717
An MGA/E&S broker operating in NJ and NY offering limits of $1 million/$2 million on primary and up to $100 million excess. Target markets include contractors, construction firms and erectors. Floor refinishing is not written. Contractors pollution is written in conjunction with the GL. Inland marine is also available. A rated carriers include American Equity, Utica National, Seneca Insurance, First Specialty, and Lloyd's of London.
North Island Facilities, Ltd./NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Steven Rodriquez
Phone: (800) 892-8892
Fax: (516) 365-7440
E-mail: srodriquez@nifmail.com
Web site: www.nifgroup.com
A program administrator operating in CT, DE, FL, MA, MD, NJ, NY, PA, RI and VA offering limits of $1 million/$2 million/$2 million. All contractors are considered. GL, property, inland marine, commercial auto, and umbrella are written. Admitted A++ carrier is utilized to place coverage.
Northeast Surety, LLC.
3 Forest Park Dr.
Farmington, CT 06032
Contact: Ken Coco
Phone: (860) 674-0123
Fax: (860) 674-0170
A broker operating in CT, MA, ME, NH, NJ, NY, PA, RI and VT. Coverage includes contract, surety, court, fidelity, and miscellaneous bonds. A rated carriers are utilized to place coverage.
ORYX Insurance Brokerage, Inc.
20 Hawley St.
West Tower, 7th Floor
Binghamton, NY 13901
Contact: Tom Pasquale
Phone: (888) 462-6799
Fax: (607) 724-7266
E-mail: tpasquale@oryxinsurance.com
Web site: www.oryxinsurance.com
A wholesaler operating in CT, MA, ME, NH, NJ, NY, PA, RI and VT offering statutory limits. Target market is northeast regional contractors.
Pennock Insurance Inc.
P.O. Box 2000
Chadds Ford, PA 19317
Contact: Andrea Kitchens
Phone: (800) 662-5182
Fax: (610) 358-3449
An MGA/E&S broker operating in DE, MD, NJ, PA, VA and District of Columbia offering limits dictated by the account. Target markets include general, paper contractors and sub-contractors. A rated or better carriers are utilized to place coverage.
Prime Insurance Syndicate Inc./I. E. B. S.
P.O. Box 439
Sandy, UT 84091
Contact: "Underwriting Box" staff
Phone: (800) 257-5590
Fax: (801) 304-5525
E-mail: underwritingbox@primeis.com
Web site: www.primeis.com
An insurance syndicate operating in all states offering limits of $1 million and above. All contractors are considered. GL, property, commercial auto, and inland marine are also written. Lloyd's of London, A rated, and Prime Insurance Syndicate, Inc., B+, are the carriers utilized to place coverage.
Princeton Risk Managers, Inc.
201 Wall St., Research Park
Princeton, NJ 08540
Contact: Jim Griffith or Chris Nucera
Phone: (800) 582-7607 (NJ) (800) 776-0099 (Outside NJ)
A general agent and E&S broker operating in CT, NJ, NY and PA offering limits of $1 million primary and excess up to $100 million. All contractors are considered, including roofing, siding, and general contractors. A rated carriers include American Empire, Terra Nova, Admiral, and Royal Surplus.
Professional Insurance Underwriters, Inc.
P.O. Box 9088
Ft. Lauderdale, FL 33309
Contact: Linda M. DiNapoli, V.P. Marketing Joseph A Matters, V.P. Underwriting
Phone: (800) 275-2800
Fax: (954) 492-9442
E-mail: linda-dinapoli@piucorp.com
Web site: www.piucorp.com
An MGA operating in FL for GL and property and commercial auto and GL in the southeast--call for specific states. Limits of $1 million on primary are offered. No surety bonds are written. No HAZ-MAT risks are written. Call for producer appointment. Various A rated carriers are utilized to place coverage.
Professional Underwriters
151 S. Warner Rd., Ste. 100
Wayne, PA 19087
Contact: Mark A. McCrary, ARM, AIC, Director of Marketing
Phone: (888) 855-4PUC, Ext. 201
Fax: (610) 995-2434
Fax on Demand "Toolbox": (800) 750-9125
E-mail: HardHat@puc-mrm.com
Web site: www.HardHatInsurance.com
An MGA operating in all states and the District of Columbia except AK, CA, HI, LA and TX offering limits of $1 million/$2 million on GL, $5 million on property, and $5 million excess of $5 million on excess. Hard Hat Insurance Program is for preferred medium to higher hazard construction contractors. Including excavation, grading, clearing of right of ways, millwrights, iron & steel erection, pile driving, and underground utilities. A rated Legion Insurance Company is the carrier.
Quaker Special Risk
P.O. Box 415
Sea Girt, NJ 08750
Contact: Mike Walsh, AAI, John Pinelli, or Tom Murphy, RPLU, ASLI
Phone: (800) 447-4180
Fax: (732) 223-9072
E-mail: mwalsh@qsr-insurance.com
Web site: www.qsr-insurance.com
An MGA/E&S broker operating in all states offering limits of $5 million primary with excess available. Target markets include general contractors, paper generals, environmental contractors, risk with claims, and roofers. Pollution liability, design/build, managers per-project policies, owner contractors protective, and railroad protective. Carriers include Admiral, Evanston, Royal Surplus Lines, American Empire, Nautilus, National Indemnity, Mt. Hawley, United National and Caliber One.
RA&MCO Insurance Services
2300 Clayton Rd., Ste. 600
Concord, CA 94520
Contact: Tom Keeman, Steve Hansen, or Pat Ayers
Phone: (800) 684-7475
An underwriting manager operating in all states offering limits of up to $5 million/$5 million. Target market is contractors, non-residential. Contractors professional is also available. Carriers include Great American Insurance and Zurich Specialties, Ltd.
Roofing Contractors PG, c/o S.H. Smith & Company
41 N. Main St., Ste. 300
West Hartford, CT 06107
Contact: Steve Carr
Phone: (800) 356-0168
Fax: (860) 561-6709
E-mail: stevec@shsmith.com
Web site: www.roofingpg.com
An MGA operating in AK, AR, CA, ID, MT, NH, NM, NV, OK, WY and the District of Columbia offering limits of up to $10 million on umbrella. Target market is commercial and residential roofers for umbrellas only.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gail C. Pierce or Scott Sackers
Phone: (800) 752-8402
Fax: (317) 776-6890
E-mail: gail.pierce@roushins.com scott.sacker@roushins.com
Web site: www.roushins.com
An MGA operating in IL and IN offering limits of up to $1 million/ $2 million on primary and up to $20 million on excess. Most contractors are considered. Contractors equipment, property, and workers compensation are also written. Carriers include American Equity, Century Surety, Century Workers Compensation, Gainsco, Scottsdale, State National Evanston, Associated International, and Commercial Casualty.
Victor O. Schinnerer & Company Inc.
2 Wisconsin Circle
Chevy Chase, MD 20815
Contact: Gene Todaro
Phone: (301) 961-9800
Fax: (301) 951-5444
E-mail: info@schinnerer.com
Web site: www. schinnerer.com
An underwriting manager operating in all states offering limits of up to $30 million. Professional and pollution liability is offered monoline or in combination policy. CNA is the A rated carrier.
Robert A. Schneider Agency
5620 Smetana Dr., Ste. 350
Minnetonka, MN 55343
Contact: Sue Karrhoff, Teri Benson, or Bob Raymo
Phone: (800) 862-6038
Fax: (612) 938-0701
An MGA/ E&S broker operating in IA, MN, ND, SD and WI offering limits of up to $2 million. Railroad protective, owner contractors protective and umbrella are also written. Carriers include Penn American, General Star, American Equity, Essex, and Nautilus.
Security Risk Managers, Inc.
50 Vantage Way, Ste. 100
Nashville, TN 37228
Contact: Jackie Tilley, Dan Webb, or Ken Baker
Phone: (615) 369-1500
Fax: (615) 369-1526
E-mail: jtilley@security-insurance.com
Web site: www.security-risk.com
An MGA/E&S broker operating in all states offering limits of up to $1 million/$2 million/$2 million. Target markets include all contractors except residential and hazardous products. Inland marine, workers compensation and umbrella are also written.
S.H. Smith & Company
41 N. Main St.
West Hartford, CT 06107
Contact: Patti Roth
Phone: (800) 356-0168
E-mail: pattir@shsmith.com
Web site: www.shsmith.com
An MGA/E&S broker operating in all states offering limit of up to $10 million environmental contractors and $50 million on other contractors, including general contractors. GL, including pollution and professional liability, is available on environmental contractors and umbrella for all others. Carriers include General Star, Northland, Gulf Insurance Group and RLI.
Specialty Insurance Agency
P.O. Box 448
Brielle, NJ 08730
Contact: Jim Drummond or Mel Watters
Phone: (800) 836-1400
Fax: (732) 223-4676
An MGA operating in CT, CA, IL, MD, ME, MI, MN, NH, NJ, NY, PA, RI, TN and UT offering limits of $1 million. Target market is artisan contractors; no general contractors or surety coverage are written. GL and commercial auto are written. Carriers include Security Indemnity, Republic, and Fairfield Insurance.
Superior Access Insurance Services
3 Whatney, 2nd. Floor
Irvine, CA 92618
Contact: Sam Houghton, Ext. 230
Phone: (800) 272-7550
Fax: (888) 272-7550
E-mail: shoughton@superioraccess.net
Web site: www.superioraccess.com
A general agency operating in AZ, CA, CO, GA, IL, LA, MO, NJ, OK and TN offering limits of $1 million/ $2 million. Target market is small homebuilders and related sub-contractors. A rated or better carriers include Republic Western, American Southern, and Fairfield Insurance.
Unifax Insurance Systems, Inc.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Gay Corbett
Phone: (800) 669-9800
Fax: (818) 591-9856
Web site: www.crusaderinsurance.com
An MGA operating in CA, OR and WA offering limits of $1 million/$2 million. Target market is artisan contractors; no general or roofing contractors. The carrier is A VI rated Crusader Insurance Company.
Universal Service Agency, Inc.
501 Office Center Dr., Ste. 128
Fort Washington, PA 19034
Contact: Susan Sallada, Patricia A. Martinucci, or Diana J. Dyer
Phone: (215) 646-2400
Fax: (215) 646-4275
E-mail: Sales@universalbonds.com
Web site: www.universalbonds.com
A broker/agent operating in all states, U.S. territories, and several worldwide markets. Target market is any surety bonds, commercial surety or fidelity risk. Carriers include 25 markets.
Universal Surety Agency, Inc.
1630 N. Wolcott Ave.
Chicago, IL 60622
Contact: Ila Delman
Phone: (773) 489-5300
Fax: (773) 489-5440
E-mail: USAsurety@aol.com
An agency operating in all states offering bond limits of $5 million to $20 million. Target market is small to medium contractors; all classes are considered. Carriers include Peerless Insurance, Gulf Insurance Group, American Safety Casualty Insurance, SAFECO, USF&G, and Cumberland Casualty & Surety.
Zurich US Environmental
550 West Washington, Ste. 1300
Chicago, IL 60661
Contact: Amy Curtis, Marketing Director Monica Rivera, Customer Service
Phone: (800) 388-2150
E-mail: amy.curtis@zurichus.com
Web site: www. zurichus.com
An insurer operating worldwide offering limits of up to $50 million. Target market is professional environmental consultants, asbestos and lead, and professional consultants. Zurich is an A+ rated carrier. *
