SPECIALTY LINES MARKETS
Business won't be any easier to place this year
By Larry G. France
What current factors can enter into making your job more difficult? Some markets are disappearing or doing a good job of hiding. The economy is questionable. You are fighting rate increases (that the industry should have taken some time ago). Some carriers even put January renewals on hold until reinsurance treaties could be agreed upon.
Well, let's concentrate on contractors--which even in good times can be a challenge.
Even before September 11, the contractor market was beginning to harden, according to Emerson W. Browne, vice president at Victor Schinnerer & Company. Browne says: "Rates have already increased 5% to 10% with some markets, and others such as Lloyd's are going higher. Many companies are non-renewing and are actually pulling out of the contractor market. They are no longer comfortable with this class of business.
"Currently the major players are Lexington, Zurich, and CNA/Schinnerer. These programs are still strong, though the markets are not introducing new coverages. At this point, it is stability and longevity that will play into the selection process and not just price. More carriers will be quoting both contractors pollution and contractors professional liability. From a risk perspective, it makes sense; and because pollution pricing is relatively inexpensive, many contractors are looking for combined coverage."
Browne continues: "Unfortunately, with recent national events, coverage will be much more restrictive than it has been in the past. Going forward, terrorism exclusions will most likely be a part of all policies. As well, mold exclusions will be included in many policies in areas where this issue is becoming increasingly problematic.
"Exclusions and a hardening market are causing general contractors to rethink their insurance strategy. Buying coverage in the past had been a business practice, with minimal involvement. These days, coverage may be required by the client, leaving no choice. Many contractors, however, are actually choosing to purchase coverage and protect their business even without a design exposure, a smart decision for the future," Browne states.
Contractors will require a more detailed review on your part in the future. Major areas of concern are:
* Insured contracts--are all additional insureds required? To what exposures has the contract obligated your client? Review past policies to see if any additional insured can be eliminated without creating a gap in coverage.
* Have you reviewed the Business Auto Policy for proper symbols of coverage such as both non-owned auto liability and physical damage? Does the insured rent private passenger vehicles or trucks during the year?
* Is aircraft or watercraft rented or chartered to entertain clients--even if only for a day?
* If your insured is involved in a PEO, they have not eliminated all EPLI or employee dishonesty exposures. They are considered a "co-employer."
The current insurance climate will continue to impact all classes of business in the coming years. Some contractors will feel the pinch more than others will.
Mark McCrary, director of marketing for Professional Underwriters, says: "In 2002, we believe the construction industry will continue to undergo major changes. Markets, in general, will tighten and more carriers will withdraw from writing contraction business and especially the high-hazard construction contractors. As reinsurance begins to significantly impact primary carriers, further tightening, re-trenching and withdrawal will occur. We will, no doubt, see significant rate increases continue through 2002." Professional Underwriters' Hard Hat Insurance Program is specifically designed for the medium- to higher-hazard contractors. It includes features such as per-project, per-location aggregate limits, additional insured by contract, agreement or permit.
All is not gloom and doom. The keys to surviving and going forward in the upcoming time will be in the field of research as well as becoming more innovative. Traditional ways of insuring clients will not be the answer.
CNA has designed an agency captive. "CNA agents invited to participate in the program can enjoy a new revenue stream from existing accounts. Relying on each agent's intuition about the business that they currently write, agents are encouraged to 'cherry pick' their best accounts and place them in their captive," according to Steve Bankes, vice president, Captives & Unique Opportunities.
Agents who own the company have the opportunity to share in both the underwriting and investment income on policies they write with CNA and designate for their captive. In addition, agents will continue to earn their normal commissions.
In 10 states--Florida, Georgia, Illinois, Indiana, Iowa, Michigan, North Carolina, South Carolina, Tennessee and Texas--Swett & Crawford is offering monoline workers compensation for several construction classes. Minimum premiums apply. Risks with a modification of up to 1.35 are considered. A fully completed, signed Acord workers compensation application, including number of employees for each class code, is required along with a current modification worksheet or a copy of last year's, or a copy of the current declaration page. For information, contact Ron Gaiser, underwriting manager of the Bloomfield Hills, Michigan, office, by phone: (800) 726-3264; e-mail: ron-gaiser@swett.com or fax: (248) 333-1710.
Stay tuned for breaking news!
The following 55 firms have responded to our survey and indicated that they are a market for all or a portion of the contractor and surety market.
Agency Marketing Services
P.O. Box 41786
St. Petersburg, FL 33743
Contact: Ken O'Neill, Stephanie Hays, Suzanne Ricciuti
Phone: (800) 542-2805
E-mail: koneill@agencymarketing.com
An MGA/E&S broker that operates in FL only with limits of up to $10 million. Target markets are alarm contractors, artisans, general contracting, builders risk, demolition, roofing, excavation, environmental and asbestos. Builders risk and contractor's equipment also are offered. Various A rated companies are used to place coverage.
Aggressive Insurance Brokers, Inc.
6988 Spinach Dr.
Mentor, OH 44060
Contact: Jim White, Michael "B."
Phone: (440) 205-4600
A wholesale broker operating in all states except CO, CT, FL, NJ, NY and TX with maximum program limits of $3 million. Target markets may be written project-specific or on a modified wrap-up where independent subcontractors are also included. Program provides GL during entire construction phase of residential housing with up to a three-year policy term. Policy extensions are generally approved. Program carrier and excess carriers have A.M. Best rating of
A rated or better.
Apollo General Insurance
Agency, Inc.
P.O. Box 1508
Sonoma, CA 95476
Contact: Bob Elster
Phone: (800) 624-5829
Fax: (707) 996-7912
E-mail: bobe@apgen.com
Web site: www.apgen.com
A general agent/E&S broker that operates in all states with limits of
$25 million--surety performance bonds, $1 million/$2 million/$2 million--GL, and $5 million--umbrella. Target market is demolition risk of all types (except in AZ, CA, NV and NY) and instructors. Also offered are workers comp, auto, property and equipment. Crum & Forester are the carriers.
Atlantic Coast Surety, LLC
120 Pleasant Ave.
Upper Saddle River, NJ 07458
Contact: Debra Weinstein, Lesia DiMaggio and Ginger Goro
Phone: (800) 222-2425
Fax: (201) 236-8040
Web site: www.atlanticcoastsurety.com
A surety and bond agency that operates in CT, MA, NJ, NY and PA. Limits depend on the type of business. Target markets are transportation, traditional contractors and sub-contractors. Hanover, Kemper, and Gulf are A rated; Atlantic Alliance is B rated.
Atlantic Specialty Lines, Inc.
9020 Stony Point Pky., Ste. 450
Richmond, VA 23235
Contact: Greg Provenzo, Seth Johnson, Harper West
Phone: (800) 368-2095
Fax: (804) 320-7280
E-mail: aslines@atlanticspecial.com
An MGA/E&S broker that operates in VA and contiguous states, plus CT, FL, NY and PA with primary limits from $1 million/$3 million to
$3 million/$3 million. Excess limits from $1 million to $10 million to
$25 million. Only 100% EIFS are not written. Various domestic A rated carriers are used.
BAT Insurance Corp.
465 S. Beverly Dr.
Beverly Hills, CA 90212
Contact: Tony Trocino, CPCU
Phone: (310) 282-0753
Fax: (310) 282-7133
An E&S broker operating in CA only with limits of $5 million. Target market is paper contractors. Excess coverage also is offered. Coverage is placed with A rated admitted carriers.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Jeff Latke, Ext. 147; Chris Moyer, Ext. 149
Phone: (800) 333-7226
Fax: (716) 856-0403
Web site:
www. RussellBond.com
An MGA/E&S broker operating
in NY only with primary limits of
$1 million/$2 million and upwards,
$25 million--umbrella. Target markets are artisan, specialty contractors and design bond. General contractors will be considered but forms are restrictive. Coverages include EPLI, umbrella, environmental, workers comp, CGL, property, builders risk, equipment floaters, OCP and RR protective. Most coverages are provided through nonadmitted carriers. Various A rated or better carriers are used.
Bonding and Insurance Specialists Agency, Inc.
9340 S. Harlem Ave.
Bridgeview, IL 60455
Contact: Robert Stillman
Phone: (800) 346-1031
Fax: (708) 598-6686
Web site:
www.BISA-Inc.com
A program administrator
that offers limits of $25 million/
$50 million. Target markets are residential construction and large demolition. Workers comp, business auto, bonding and inland marine also are available. Zurich is the
A rated carrier.
Britt/Paulk Insurance
2904 U.S. Hwy. 27 S.
Carrollton, GA 30117
Contact: John Paulk, Jeff Vaughn, Leah Cheatwood
Phone: (800) 842-8917
Fax: (770) 836-8563
An MGA that operates in the
48 contiguous states with no limits. Target market is surety coverages. Builders risk (new and renovation), installation floaters, equipment, poultry houses, and cranes with rigging and hook liability also are offered. North American Specialty
(a subsidiary of SwissRe and Zurich North American) are the A rated carriers.
Burns & Wilcox, Ltd.
30833 Northwestern Hwy.,
Ste. 220
Farmington Hills, MI 48334
Contact: Call 800 number for
local branch
Phone: (800) 521-1918
An MGA/wholesale broker operating with limits of $1 million/
$2 million. (Call the local branch for territory.) Target market varies per office, with many restrictions on California contractors. Also offered are excess/umbrella, contractor's equipment, auto and property. Various carriers are used to
place coverage.
Business Risk Services
of Ohio, Inc.
4236 Tuller Rd., 1 North
Dublin, OH 43017
Contact: Scott Shadoan, Lisa Bachus, Tralinda Camm
Phone: (888) 360-9989
Fax: (614) 791-0595
E-mail:
sshadoan@ameritech.net lbachus@ameritech.net trcamm@ameritech.net
A managing general underwriting agency that operates nationwide with limits of $1 million/$2 million--CGL; $500,000 per location--property;
$4 million--umbrella and $500,000 per location--inland marine. Target markets are oil and gas operations excluding offshore accounts and refineries. United National is the
A rated carrier.
Casualty & Surety, Inc.
200 Chase Park South, Ste. 100
Birmingham, AL 35244
Contact: Lamar Andrews
Phone: (205) 733-1197
Fax: (205) 733-0805
E-mail:
landrews@csiapex.com
Web site:
www.csiapex.com
An E&S broker operating nationwide with unlimited limits. Target market is primarily residential contractors, but can also handle blasting contractors, crane/equipment rental operations, elevator/escalator installation service/repair and steel fabrication contractors. Also offered are inland marine, excess/umbrella, CGL and surety bonds. All carriers are A rated.
Century Surety Group
2400 Corporate Exchange Dr.,
Ste. 290
P.O. Box 163340
Columbus, OH 43231
Contact: Jim Murphy, underwriting manager;
Tom Rossi, RVP
Phone: (800) 878-7389
Web site:
centurysurety.com
An insurance company whose products are available in most states with limits of $1 million/$2 million. Century is not a market for general contractors. Excess and/or umbrella are offered. Century Surety Company is an A rated company.
Commodore Insurance
Services, Inc.
329 Rheem Blvd., Ste. 200
Moraga, CA 94556
Contact: Lupe Velasquez,
Tony Tolman
Phone: (925) 247-2000
Fax: (925) 247-2100
E-mail: pfarrell@commodoreins.com
An MGA/E&S broker operating
in CA only with limits of up to
$1 million/$2 million. Target markets are artisans, general contractors--property, inland marine/workers comp; and landscapers-workers comp. Also offered are CGL and commercial auto. Carriers are General Security, Hudson, and General Security Indemnity, all A rated or better.
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 broker that operates in NJ and NY with primary limits of $1 millon/$2 million; excess and umbrella also are available. Target markets are general contractors, environmental contractors, all artisan classes, demolition contractors and marine contractors, plus all other classes. Also offered are contractor's equipment, OCP, builders risk and vacant buildings. Carriers are American Empire, American Equity, Burlington, Essex, Interstate Fire & Casualty, Nautilus, Western World, Mount Vernon and General Star.
Crump Insurance Services, Inc.
7557 Rambler Rd., Ste. 350
Dallas, TX 75231
Contact: Misty Nunez
Phone: (800) 522-7867
Fax: (817) 441-7153
E-mail: misty.nunez@crumpins.com
Web site: crumpins.com
An MGA/E&S broker that operates nationwide with limits of up to $50 million; higher limits are available. Will consider all types of commercial contractors, including owner controller program and residential contractors. Also offered are GL, umbrella and incidental auto. Various carriers are used to place coverage.
Crusader Insurance Co.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Gay Corbett
Phone: (800) 669-9800
Fax: (818) 591-9800
Web site: www.crusaderinsurance.com
An insurer that operates in
CA, OR and WA with limits of
$1 million/$2 million aggregate. Target markets are artisan contractors--no generals or roofers. Crusader is an A rated carrier.
Delaware Valley Underwriting Agency, Inc.
420 S. York Rd.
Hatboro, PA 19040
Contact: Tony Saltzman
Phone: (800) 388-0215
E-mail: easaltz@dvua.com
Web site: www.dvua.com
An MGA/E&S broker that operates in DE, NC, NJ, OH, PA, SC and VA with various limits. Will not consider surety bonds. Property, umbrella and inland marine are offered. Various A rated carriers are used to provide coverage.
Euclid Managers
977 Oak Lawn Ave., Ste. 300
Elmhurst, IL 60126
Contact: Brian Van Cleave
An MGA that operates in all states except IL, with limits of
$5 million. Target market is design/build contractor firms with a high percentage of commercial projects and with in-house licensed architects and engineers. Firms with heavy residential/condominium projects not considered. Professional liability also offered. The A rated carrier is National Casualty Company.
Freberg Environmental Insurance
1675 Broadway, Ste. 2210
Denver, CO 80202
Contact: Danelle R. Nielsen
Phone: (800) 377-4152
Fax: (303) 623-8101
Web site: www.feiinsurance.com
An MGA that operates nationwide with limits of $1 million/$1 million. Target markets are environmental contractors, consultants and engineers and all contractors for contractors pollution liability. Also offered are CGL, and professional liability. Gulf is the A rated carrier.
Frederick John Fisher Insurance
P.O. Box 452690
Los Angeles, CA 90045
Contact: Fred Fisher, Robert Geist, Pat Cripis
Phone: (800) 354-2439
E-mail: ffisher@E-O.com
Web site: www.E-O.com
An MGA and wholesale broker that operates in AZ, CA, ID, NM, NV, OR, UT and WY with limits of up to $5 million. Target market is structural engineers. Architects and engineers, design-build also offered. Environmental contractors for U.S. only. Carriers are Westport, ATT and numerous environmental companies.
Gateway Underwriters Agency
755 S. New Ballas Rd., Ste. 130
St. Louis, MO 63141
Contact: Mary Beth Fox, Barb Smeltz
Phone: (800) 325-7652
Fax: (314) 567-4552
E-mail:
marybeth.fox@gua-stl.com
barb.smeltz@gua-stl.com
An MGA operating in IA, IL, KS, MO and NE with limits of $1 million/
$2 million and umbrella. Will not consider residential. Inland marine, auto, umbrella and property are offered. Western World and Nautilus are the carriers.
Gulf Insurance Group
5775 Peachtree Dunwoody Rd,
Ste. D490
Atlanta, GA 30342
Contact: Thomas Owen
Phone: (404) 497-7201
Fax: (404) 497-7210
E-mail: towen@gulf.com
Web site:
www.gulfinsurance.com
An insurer that operates nationwide with limits of $15 million. Target markets are CGL for environmental contractors and pollution liability for all contracting classes. Also offered are environmental/pollution liability. Gulf is an A rated carrier.
Gulf Insurance Group
5775 Peachtree Dunwoody Rd, Ste. D490
Atlanta, GA 30342
Contact:
Atlanta Office:
John Malejko, Ext. 7252
(e-mail: jmalejko@gulfins.com)
Hartford, CT office:
Roy Pomerantz, Ext. 7442,
(e-mail: rpomerantz@gulfins.com)
St. Paul, MN office:
Joe Rugnetta, Ext. 4113
(e-mail: jfrugnetta@gulfins.com)
Phone: (404) 497-7201
Fax:
Atlanta: (404) 497-7210
Hartford: (860) 277-4491
St. Paul: (651) 688-4660
Target markets are alarm and sprinkler, general contractors, residential home builders including subcontractors, and trade contractors with residential exposures. All artisan types including insulation, roofing, door and window, interior remodeling. Concrete contractors with building exposures. Other coverages include general liability only for non-artisan, service and construction specialty trade contractors. Limits offered are 2/2/2/2.
Gulf Insurance Group
125 Broad St., 8th floor
New York, NY 10004
Contact: John Cocomazzi, VP, Underwriting-Surety and Miscellaneous Surety Unit
Phone: (212) 291-3120
Fax: (212) 291-3020
Operates with surety licenses in all 50 states, with limits of $4 million single, $10 million aggregate in contract programs; $5 million single, $10 million aggregate in miscellaneous. Target markets are financial guarantees and Superfund projects. Other coverages include service/supplement.
Hull & Company, Inc.
2150 S. Andrews Ave.
Ft. Lauderdale, FL 33316
Contact: Chris Hull, Ext. 257
Phone: (800) 678-4855
Fax: (954) 524-0479
E-mail: chull@hullco.com
Web site: www.hullco.com
An MGA/E&S broker operating in CA, FL, HI, IA, ID, KS, MO, MT, NC, NE, NM, SC, SD, TX, UT, VA, and WY with limits of $500,000 to $10 million. These limits vary depending on the risk. Higher limits are available. Target markets are artisans, builders risk and roofers; most classes are available. Also offered are excess, umbrella, inland marine and commercial auto. All carriers are A rated.
Insurance Center Special
Risks, Ltd.
P.O. Box 1185
West Springfield, MA 01090
Contact: Terry Gonet, Ext. 347; Sue Domingues, Ext. 355
Phone: (888) 773-7475
Fax: (413) 781-0500
E-mail:
tgonet@insctrne.com
sdomingues@insctrne.com
An MGA operating in MA, CT
and RI with limits of $1 million/
$2 million. Most artisan contractors are considered, with business personal property and installation coverage also offered. Essex is the
A rated carrier.
Insurance Innovators Group
130 Easton Rd.
P.O. Drawer 969
Glenside, PA 19038
Contact: Fran Reh, Michael Kravitz
Phone: (800) 523-6422
Fax: (215) 886-2482
Web site: www.iiigroup.com
An MGA/E&S broker that operates in DE, MD, NJ and PA with limits of $1 million/$2 million. All contractor classes are considered, including paper GCs. Umbrella and excess are also offered. All carriers are A rated.
Intercorp, Inc.
1438-F W. Main St.
Ephrata, PA 17522
Contact: John J. Matternas
Phone: (800) 640-7601
Fax: (717) 721-3515
E-mail:
info@intercorpinc.net
Web site:
www.intercorpinc.net
An MGA and program administrator that operates nationwide with limits of $25 million. Also offered are environmental consultants E&O, general pollution liability. Various A rated or better carriers are used.
Izzo Insurance Services, Inc.
7234 W. North Ave.
Elmwood Park, IL 60707
Contact: Mike Jones, Sam VanCleave
Phone: (800) 800-1704
Web site:
izzoinsurance.com
An MGA that operates in all
50 states with limits of $1 million/
$2 million, EL. Target markets are limited to workers comp and EPL only. Legion, Casualty Reciprocal, Hartford, Safety National and Kemper are the carriers.
Jacobs & Associates
8227 Brecksville Rd.
Brecksville, OH 44141
Contact: Jim Jacobs, Beth Jacobs
Phone: (440) 838-1870
Fax: (440) 838-0742
E-mail:
beth@jacobsnow.com jim@jacobsnow.com
An E&S broker that operates in OH only with limits of $1 million/
$2 million plus umbrella/excess. All classes are considered. Inland marine also is offered. Scottsdale, Western Heritage, Fulcrum, and United National are the A rated or better carriers.
H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: Rob Martin, John Barton
Phone: (800) 424-2202
E-mail: info@kellerandco.com
Web site: www.kellerandco.com
A general agent/wholesaler operating in NY only with limits that vary by company. All classes are considered, including general and paper contractors. Workers comp and inland marine also are offered. All carriers are A rated or better.
London American General Agency
P.O. Box 919243
San Diego, CA 92191
Contact: Greg Liewald
Phone: (858) 547-9000
Fax: (858) 547-9199
E-mail: gliewald@londonamerican.com
Web site: www.londonamerican.com
An MGA/E&S broker that operates in CA only with limits of
$2 million/$2 million/$1 million. Target market is small artisan contractors. Also available are umbrellas, property and inland marine (tools). Environmental and Casualty Insurance Company is the
A rated carrier.
M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Lori Drake--all lines except surety; Gary Spurrier--surety only; Katie McCroskey--auto/equipment
Phone: (800) 725-7211
Fax: (417) 883-7103
E-mail: ldrake@mjkelly.com
Web site: www.mjkelly.com
An E&S broker operating in AR, IL, KS, MO and OK with limits of up to $1 million/$2 million. Can write EL or umbrella to increase limits. Target markets are small artisan contractors and small general contractors. Also offered are OCP, bonds, builders risk, contractor's equipment and auto. Various carriers are used to place coverage.
McSweeny Agency
505 High St.
Burlington, NJ 08016
Contact: Richard McSweeny, Dennis McSweeny
Phone: (800) 546-6454
Fax: (609) 387-7171
An MGA/E&S broker that operates in NJ and PA with limits of $10 million+. Most classes are considered. Also offered are pollution, tool & equipment, umbrella and excess, professional and E&O. Various A rated or better carriers are used.
Midlands Management of
Texas, Inc.
P.O. Box 794878
Dallas, TX 75379
Contact: James Caldwell
Phone: (888) 743-2628
An MGA/E&S broker that operates in TX only with various limits. Will not consider oil/gas. GL, inland marine, workers comp and property are offered. Various A rated admitted and nonadmitted carriers are used.
National Insurance Programs
900 Route 9 North, Ste. 503
Woodbridge, NJ 07095
Contact: Pamela Johnson,
Ext. 409; Patricia Charles,
Ext. 279; Ted Joyce, Ext. 219
Phone: (800) 446-7647
Fax: (732) 634-2904
E-mail:
pjohnson@aianj.com pcharles@aianj.com tjoyce@aianj.com
An MGA operating in the 48 contiguous states; call for limits. Target markets are landscapers, tree services and glaziers. Also offered are GL, property, auto, E&O, umbrella, inland marine, crime, DCP, and equipment floater. Carriers are Hartford and Kempes (a Kemper company).
North Island Facilities, Ltd.
30 Park Ave.
Manhasset, NY 11030
Contact: Dan Mogelnicki, Steven Rodriguez
Phone: (800) 892-8892
Fax: (516) 864-8549
A program administrator/
wholesale broker that operates in the states east of the Mississippi. Primary limits are $1 million/
$3 million; umbrella limits are
$25 million. Specializes in contractors liability, GCs, trade/artisans, street/road, and roofers. Also offered are property, inland marine and auto. Member companies of the American International Group are used, as well as other A rated carriers.
Northeast Surety, LLC
3 Forest Park Dr.
Farmington, CT 06032
Contact: Ken Coco
Phone: (860) 674-0123
Fax: (860) 674-0170
A broker/agency operating in CT, MA, NH, NJ, NY, RI and VT with unlimited limits. All types and sizes of classes are considered, including difficult-to-place, environmental and start-up contractors. Also offered
are financial guarantee bonds, miscellaneous bonds, and subdivision bonds. All carriers are A rated.
Prime Insurance Syndicate, Inc./I.E.B.S.
P.O. Box 439
Sandy, UT 84091
Contact: Rick J. Lindsey
Phone: (877) 505-2850
E-mail:
rjl@primeis.com
An insurer operating throughout the United States with limits of up to $1 million/$2 million. All classes are considered; also offered are GL, property, auto and inland marine.
Princeton Risk Managers, Inc.
201 Wall St., Research Park
Princeton, NJ 08540
Contact: Jim Griffith
Phone (800) PRM-0099
Fax: (609) 824-8155
E-mail: jgriffith@princetonrisk.com
An E&S broker that operates in NJ, NY and PA (limited to larger contractors in NYC--$100,000 in premium). Limits are $1 million/
$2 million/$1 million, plus excess limits (umbrella). Also offered are inland marine, umbrellas, commercial, auto liability and environmental. Carriers are Admiral, American Empire, C&F, First Specialty, Gen Star, Kemper, Royal, Terra Nova, Western World (all A rated) and Zurich (wrap-ups).
Professional Underwriters
151 S. Warner Rd., Ste. 100
Wayne, PA 19087
Contact: Mark McCrary, ARM, AIC, Director of Marketing
Phone: (888) 855-4782
Fax: (610) 995-2434
E-mail:
hardhat@puc-mrcm.com
A program manager for Hard Hat Insurance Program, operating in all states except AK, CA, HI, LA and TX with GL limits of $1 million/$2 million and property limits of $5 million per location. Target markets include "dirt" contractors, utility contractors and other medium- to higher-hazard classes; not a market for trade/artisan contractors. Also offered are commercial auto CGL, property, inland marine, builders risk, crime, boiler & machinery, and umbrella. Legion is the A rated carrier.
ProHost USA, Inc.
4500 Park Glen Rd., Ste. 410
Minneapolis, MN 55416
Contact: Terry Nelson, CPCU, Business Development Manager
Phone: (952) 922-2404
Fax: (952) 922-5423
An E&S broker that operates in MN only with limits of $1 million--primary package; $10 million--umbrella. Target markets are builders risk, service/ construction trades contractors, contractor's equipment rented to other, general contractors/
developers, roofing/wrecking contractors. Also offered are garagekeepers legal liability, non-owned auto; EL, stop gap and medical payments. Century Surety is the A rated carrier.
Quaker Special Risk
P.O. Box 415
Sea Girt, NJ 08750
Contact: Frank Walsh
Phone: (800) 447-4180
Fax: (732)-223-9072
Web site:
www.qsr-insurance.com
An E&S broker that operates
in all states with limits of up to
$5 million/$5 million primary with excess limits and umbrella also available. Other coverages offered are per-project aggregates, and contractors pollution liability. Carriers are Admiral, Caliber One, Evanston, General Star, Interstate, Lexington, National Indemnity, National Fire & Marine, Nautilus, United National and Mt. Hawley.
RA&MCO Insurance Services
2300 Clayton Rd., Ste. 600
Concord, CA 94520
Contact: James Bechter, Steve Hansen, Tom Keenan
Phone: (800) 684-7475
Fax: (925) 685-1750
A managing underwriter that operates in all states with limits of up to $1 million or more as required and prudent. All professional liability coverages related to design and construction are considered. Workers comp or commercial auto not written. Great American is the A rated carrier.
RISC, Inc.
2001 Bryan St., Ste. 2900
Dallas, TX 75201
Contact: Dan Whitt-brokerage, Ed Flores-MGA
Phone: (800) 725-7472
Fax: (214) 954-0999
An MGA/E&S broker writing primarily in TX; can also write in LA, NM and OK. Most classes are considered. Also offered are GL-CCC and miscellaneous E&O, property-inland marine, EDP and builders risk. Carriers are A rated.
Robert A. Schneider Agency
5620 Smetana Dr.
Minnetonka, MN 55343
Contact: Sue Karkhoff
Phone: (800) 862-6038
Fax: (952) 938-0701
Web site:
www.rasinc.com
An MGA/E&S broker operating in IA, MN, ND, SD and WI with limits of $2 million. All classes are considered with property, inland marine, auto and umbrella also offered. Nautilus, American Equity, General Star, Essex and Burlington are the A rated carriers.
Rossi Insurance Group
467 Rte. #112
Patchogue, NJ 11772
Contact: William Grey
Phone: (800) 784-6775
Fax: (631) 758-6781
Web site:
www.autoinsureit.com
An MGA/agency operating in NY only offering GL limits of up to
$2 million, products and completed operations. All artisan risks are considered with package also offered. All carriers are A rated or better.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gail C. Pierce, Scott Sackers
Phone: (800) 752-8402
Fax: (317) 776-6890
E-mail: gail.pierce@roushins.com
scott.sackers@roushins.com
Web site: www.roushins.com
An MGA operating in IL, IN and OH only with limits of $1 million/
$2 million. Excess is available up to $20 million. Most contractors are accepted with workers comp, contractor's equipment, property and bonds also offered. Century Surety, Century Workers Comp, Gainsco, Scottsdale, State National, Evanston, and Associated International are the B++ or better rated carriers.
Specialized Insurance & Services
467 Route #112
Patchogue, NJ 11772
Contact: Wendy Clarke
Phone: (800) 360-5988
Fax: (631) 758-6781
Web site: www.specializedinsurance.com
A general agent operating in NY only with limits of up to $2 million CGL and package policy. Target market is artisan contractors. All carriers are A rated or better.
Surplus Services Insurance Agency. Inc.
154 Wells Ave.
Newton, MA 02459
Contact: Michael J. Susco, Mary McNab, Betty Grigalunas
Phone: (888) 349-0659
Fax: (617) 964-3256
Web site: www.info@telemonins.com
An E&S broker that operates in New England only offering limits of $2 million/$1 million--GL and up to $20 million-umbrella. Target markets are small residential general contractors not involved in developments or subdivisions, large commercial general contractors, and artisan, roofing, and excavation contractors. Also offered are contractor's equipment, property, EDP, builders risk, contractors pollution. Various carriers are used, including Western World, Crum & Forster, Harleysville, Arbella Protection (MA only) and Kemper Environmental.
Truckers Insurance Associates, Inc.
P.O. Box 1494
Des Moines, IA 50306
Contact: Ed Mattern, Jill Woolcock
Phone: (800) 652-9515
Fax: (515) 276-7704
Web site: www.truckersins.com
An E&S broker operating in IA, KS, MO, NE, ND and SD with limits of $5 million plus. Target markets are general contractors, highway/heavy contractors, mechanical and electrical contractors. Classes not written: plumbers, painters, small-sized contractors. The Hartford is the
A+ rated carrier.
U.S. Risk Insurance Group, Inc.
10210 N. Central Expy., Ste. 500
Dallas, TX 75231
Contact: Jim Leonard, Specialty Programs Marketing
E-mail: jiml@usrisk.com
Web site: www.usrisk.com
An MGA for CGL GAP Liability Policy For Contractors operating in all states except CT, MA, NH, RI and VT with limits of $2 million/occ/ass-GAP and up to $500,000/occ-EPL. Target markets is any general contractor who does a portion of the work with his/her own employees-all artisans. EPL is offered on an occurrence basis. St. Paul RE is the A rated carrier.
Unifax Insurance Systems, Inc.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Gay Corbett
Phone: (800) 669-9800
Fax: (818) 591-9800
An MGA that operates in CA, OR and WA with limits of $1 million/
$2 million aggregate. Target market is artisan contractors; no generals or roofers. Crusader is the A rated carrier.
Universal Service Agency
501 Office Center Dr., Ste. 128
Fort Washington, PA 19034
Contact: Susan A. Sallada, Patricia A Marinucci, Diane J. Dyer
Phone: (215) 646-2400
Fax: (215) 646-4275
E-mail:
Sales@universalbonds.com
Web site:
www.universalbonds.com
A broker/agent that operates in the entire U.S. territory as well as in several worldwide markets. Target markets are any surety, commercial surety or fidelity risk only. Numerous carriers are used to place coverage.
Victor O. Schinnerer & Co., Inc.
2 Wisconsin Circle
Chevy Chase, MD 20815
Contact: Emerson W. Browne, CPCU, ARM
Phone: (301) 961-9800
Web site:
www.schinnerer.com
An MGA operating throughout
the United States with limits of
$25 million. Target markets are general or specialty contractors. Also offered are contractors pollution liability and project insurance. CNA is the A rated carrier.
W.H. Greene & Associates, Inc.
3095 Southwestern Blvd.
Orchard Park, NY 14127
Contact: Bill Greene, Wil Cote
Fax: (716) 675-6722
E-mail:
mail@whgreene.com
An MGA/E&S broker that operates in NY only with primary limits of $2 million--CGL and umbrella of $10 million. All classes are considered except residential. Inland marine and design-build professional liability also are offered. Various A rated admitted and nonadmitted carriers are used. *