SPECIALTY LINES MARKETS
Despite the hardening market, some groups see an
opportunity to service a growing industry
By Larry G. France
Rates are dropping, all exclusions have been removed or modified, and your commission has been doubled. Now that we have your attention, let's look at the real-world situation regarding placing a hotel, bar or restaurant risk.
As with any risk today that involves property, rates are on the rise. Hotels with more than 20 stories are highly scrutinized and very difficult to place, not only because of the premium differences but also because of underwriting issues such as security, business interruption, and workers compensation. Capacity is also an issue with hotel risks that have a high property limit.
Smaller hotels/motels are not quite as difficult to place from a property standpoint; but with lower than average occupancies being the rule today, financials are a major consideration. No carrier wants to bail out a motel owner who is not bringing in a sufficient number of guests to provide ample revenue. If the dollars are tight, maintenance tends to take a back seat. This is also true of the restaurant business, which has a tremendous failure rate in the first year. Underwriters will put the new restaurant owner under a microscope and request a full submission with detailed financial information.
There is some carrier movement from this class of business--although it is not on a large scale. Our survey indicates that some markets have exited the primary liability market while others have totally pulled back.
Heidi Strommen, executive vice president of ProHost USA, says that insurance for restaurants has followed the same path in recent months as the commercial lines market overall. "There are fewer players and the ones that remain have a more narrowly defined niche. You now find few companies that are willing to entertain a broad range of restaurants from fast food to fine dining to bars/taverns. Typical price increases on renewals are ranging from 20% on up. The steepest price increases are reserved for accounts with prior loss problems, frame construction, and/or significant auto exposures."
Strommen says that competition in today's marketplace is characterized more by financial strength and coverage comparisons among markets than by price comparisons. "Retail agents and their customers are asking more questions about the quality of the carrier and the coverages being offered than in the past. Agents and restaurants prefer to deal with a company that is committed to the restaurant class and has demonstrated that commitment by developing a specialized product for their industry." ProHost USA operates in all states except Alaska and Hawaii.
Michael Maher, vice president of RCA Insurance Agency, a program underwriting manager operating in most states east of the Mississippi River, says that their market remains stable and they anticipate adequate capacity to service their broker throughout all of 2002. "We are experiencing average premium increases of 25% over 2001 premiums. Restaurants and taverns without disc jockeys and bands should continue to find markets without difficulty and with reasonable premium increases during this period."
When looking at any class of business, pricing, underwriting acceptability and capacity will vary by company and geographically by state. It also is true across international borders.
The Wholesale Insurance Group, a managing underwriter operating throughout Canada, has among its many special products a Hospitality Program. "We are in a better position than ever to service the needs of the hospitality industry," states Tom Tolbert, executive vice president. "As society becomes ever more litigious and legal damages continue to rise, it has become a great challenge for insurance providers to balance the needs for stable underwriting integrity. What has followed has been a rationalization of the market with many players exiting the hospitality class of business altogether, and remaining insurance providers increasing their pricing while reducing their available capacities."
Tolbert says: "Within this turbulent market The Wholesale Insurance Group has seen an expansion of its limit, capacities and coverages through both strategic alliances with established insurers and a proven record of success over more than four years. Unprecedented growth of the hospitality program within our company through 2001 bears out the ability of our group to service the ever evolving needs of the hospitality industry."
Yes, the market has hardened. Yes, pricing has increased. Yes, some markets have disappeared, but more than 50 markets responded to our survey indicating that they can offer solutions to your clients' needs.
For more information on hotels, bars/taverns and restaurants log on to www.insurancemarketplace.com.
On www.roughnotes.com click on The Insurance Marketplace Specialty Lines Bulletin Board for new products and enhancements.
Bohrer, Croxdale & McAdoo, Inc.
P.O. Box 2760
Springfield, MO 65801
Contact: Yvonne Bohrer, Marilyn Foster, Cecilia Early
Phone: (800) 779-2550
Fax: (888) 869-2550
E-mail: ybohrer@bcmins.com
mfoster@bcmins.com
cearly@bcmins.com
An MGA operating in AR, KS and MO only, offering limits of $1 million/ $2 million GL (property is not limited.) Most classes are considered Liquor liability, umbrella and auto are also offered. Capitol Indemnity, Northland and Scottsdale are the carriers.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Chris Moyer, ASLI, Ext. 149; Jeff Latke, ASLI, Ext. 147
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: info@russellbond.com cmoyer@russellbond.com jlatke@russellbond.com
Web site: www.russellbond.com
An MGA that operates in NY only, offering GL limits of up to $3 million and excess limits of up to $10 million. Property capacity is available for virtually any limit. All risks are considered, with liquor, umbrella, EPL, excess hired & non-owned and workers comp also offered. Scottsdale, Burlington/First Financial, USLI and Colony 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/E&S broker that operates in all states except AK, HI, ME, NJ and NY offering limits that vary by carrier. All classes are considered. Property, liquor liability, GL and guest liability also are offered. Various A rated carriers are used to place coverage.
Century Surety Group
2400 Corporate Exchange Dr.
Columbus, OH 43231
Contact: Tom Rossi
Web site: www.centurysurety.com
An insurer operating in all states except MA, NH, NY and RI. Liability and property are offered with limits of up to $5 million. Century Surety is an A rated carrier.
CNA Liquor Liability Program
3500 Lacey Rd., Ste. 8000
Downers Grove, IL 60515
Contact: Pat Jarrett, Dennis O'Brien
Phone: Pat Jarrett (630) 725-4750
Dennis O'Brien (630) 725-4743
Fax: (630) 725-4771
E-mail: dennis.o'brien@cna.com
An insurer operating in AL, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, MA, ME, MI, MN, MO, NC, ND, NH, NJ, NM, NY, SD, OH, PA, RI, TX UT, and VT offering limits of up to $1 million. All liquor classes are offered except adult entertainment. Monoline liquor liability is also offered. Packages are available in AZ, CT, FL, IL and MI. CNA is an A rated carrier.
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 operating in NJ and NY with GL limits of $1 million/$2 million (higher primary limits are available), property limits of $5 million primary (excess limits available), and liquor liability limits of $1 million/$2 million. Target markets are bars, taverns, restaurants, restaurants with entertainment, hotels/motels, bed and breakfasts, nightclubs and go-go bars. Also available are GL, property, business interruption, liquor liability, package policies and excess/umbrella. Carriers are American Equity, American Empire, Burlington/Guilford, Essex, General Star, Lloyd's, Nautilus, Terra Nova and U.S. Liability/Mt. Vernon.
Creative Underwriters Corp.
140 E. Main
Carmel, IN 46032
Contact: Gary Williams, Doug Setters, Dave Setters
Phone: (800) 769-4321
Fax: (317) 878-7869
Web site: www.creativeunderwriters.com
An MGA that operates in IL, IN and OH offering property limits of $3 million and liability limits of $2 million. Target market is bars and restaurants. Scottsdale, Western Heritage and First Financial/ Burlington are the carriers.
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 AZ, CA, KY, MT, NV, OH, OR, PA, TX and WA offering liability and property limits of up to $3 million. Target markets are bars/nightclubs, micro-breweries, restaurants and hotels/motels. Liquor legal liability also is offered. Crusader is an A rated carrier.
Cygnet Risk Management Insurance Services
14168 Poway Rd., Ste. 110
Poway, CA 92064
Contact: Sarah Elston, VP, marketing
Phone: (800) 748-5615
Fax: (858) 679-0775
An MGU that operates throughout the United States (some restrictions apply on property). Minimum limits are $2 million; there is no maximum. Target market is limited to full-service hotels/motels. Also written are hotel/motel property, GL, EPLI, boiler & machinery, and umbrella. Legion Indemnity and Lexington are the A rated carriers.
Delaware Valley Underwriting Agency, Inc.
420 S. York Rd.
Hatboro, PA 19040
Contact: Jan Yaralli
Phone: (800) 388-0215
Fax: (215) 672-7983
Web site: www.dvua.com
An MGA/E&S broker that operates in DE, MD, NJ and PA offering general aggregate limits of $2 million. Higher limits are available. Various A rated carriers are used to place coverage.
Entertainment Brokers International
10940 Wilshire Blvd., 17th floor
Los Angeles, CA 90024
Contact: Bill Cody
Phone: (310) 824-0111
Fax: (310) 824-5733
E-mail: william.cody@entbrokersintl.com
A managing agent that operates throughout the United States offering GL limits of $1 million primary plus $10 million excess, and property limits of $35 million. Target markets are hotel-casinos. Hotels, bars and restaurants are not written. Also offered are primary workers comp and contingency insurance coverages. All carriers are A rated or better.
Excel Insurance Service, Inc.
301 Oxford Valley Rd., Ste. 402A
Yardley, PA 19067
Contact: Carol Hashings (NJ), Peggy Bibby (PA)
Web site: www.excelins.com
An MGA/E&S broker that operates in NJ and PA only, with unlimited limits. Most classes are considered. Umbrella and liquor liability also are offered. All carriers are A rated.
Gateway Underwriters Agency
755 S. New Ballas Rd., Ste. 130
St. Louis, MO 63141
Contact: Mary Beth Fox
Phone: (800) 325-7652
Fax: (314) 567-4552
E-mail: marybeth.fox@gua-stl.com
An MGA operating in IL, KS, MO and NE offering limits of $1 million/ $2 million, plus umbrella. All risks in this area are considered, including new-in-business. No limitation for alcohol, receipts, live entertainment, construction or protection class. Also offered are property, liability, liquor, auto (no delivery), workers comp or restaurants and bars. Oak River, USLI, Mt. Vernon, Nautilus,Western World and Lloyd's are the carriers.
Gray Stone & Company
275 E. Hillcrest Dr., #250
Thousand Oaks, CA 91360
Contact: Juca Brooks, (805) 557-1404; Patty Arthur (805) 557-1418
An MGA/E&S broker that operates in AZ, CA and NV offering GL limits of $2 million/$1 million/ $2 million and property of $6 million. Target markets are restaurants, coffee shops, liquor stores (can offer only GL on bars; no liquor liability), and hotels/motels. All carriers are rated A.
H.W. Gorst Co., Inc.
805 Fairmont Ave.
Glendale, CA 91203
Contact: Randy Scott, Al Karp (Compass), David Rabinowitz
Phone: (818) 507-0900
Fax: (818) 507-1133
An MGA operating in CA only offering in-house liability limits of $3 million aggregate/occurrence and property limits of $1 million. Target markets are restaurants, hotels/ motels and caterers/halls. Liquor liability also is offered. Carriers are Topa, Scottsdale, Fulcrum, Western Heritage and Terra Nova.
Hull & Company, Inc.
2150 S. Andrews Ave.
Ft. Lauderdale, FL 33316
Contact: local branch office or Chris Hull, (800) 678-4855, Ext. 257
Fax: (954) 524-0479
E-mail: chull@hullco.com
Web site: www.hullco.com
An MGA/E&S broker that operates in CA, CO, FL, HI, IA, ID, KS, MN, MO, MT, NC, NE, NM, OR, SC, SD, TX, UT, VA, WA and WY, offering limits of $1 million, plus excess or umbrella. Will offer liquor liability. All carriers are A rated.
Insurance Innovators Group
130 S. Easton Rd.
P.O. Drawer 969
Glenside, PA 19038
Contact: Etty Herzig
Phone: (800) 523-6422
Fax: (215) 886-2482
An MGA/E&S broker operating in DE, MD, NJ and PA offering limits of $1 million/$2 million/$2million. Umbrella and excess liability are offered. Various carriers are used to place coverage.
Izzo Insurance Services, Inc.
7234 W. North Ave.
Elmwood Park, IL 60707
Contact: Mike Jones, Sam Van Cleave
Phone: (800) 800-1704
Fax: (708) 452-1777
E-mail: mjones@izzoinsurance.com svancleave@izzoinsurance.com
Web site: www.izzoinsurance.com
An MGA that operates in all 50 states; limits vary by state. Offers monoline workers comp only. Carriers are the Dodson Group, Zenith, and Legion.
Jacobs and Associates
8227 Brecksville Rd.
Brecksville, OH 44141
Contact: Jim Jacobs, Beth Jones
Phone: (440) 838-1870
Fax: (440) 838-0742
E-mail: jim@jacobsnow.com beth@jacobsnow.com
An E&S broker that operates in OH only, offering limits of $10 million. Target market is bars and clubs. Liquor liability GL and property also are offered. Carriers are Clarendon America, Mt. Vernon, Western Heritage and Fulcrum.
M.D. Jensvold & Co., Inc.
13105 Northwest Frwy., Ste. 790
Houston, TX 77040
Contact: Marcus Jensvold
Phone: (800) 635-7406
E-mail: mjensvold@mdjensvold.com
An MGA that operates in LA, NM, OK and TX offering CGL limits of $2 million/$1 million/$1 million, $50,000 F.D., $1,000 medical pay and 1.5 million property. All carriers are A rated.
H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: Rob Martin, John Barton
Phone: (800) 424-2200
A wholesaler that operates in NY state only, offering limits that vary by company. Target market is bars/ restaurants. Also offers workers comp, DBL and boiler & machinery. Various carriers are used to place coverage.
M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Lori Drake, Heather Duffield, Shawna Cooke
Phone: (800) 725-7211
Fax: (417) 883-7103
E-mail: ldrake@mjkelly.com
Web site: www.mjkelly.com
A wholesale E&S broker operating in AR, IL, KS, MO and KS offering limits of $2 million/$2 million. Will write most classes including those with live entertainment and dance floors. Liquor liability, special events and property also are offered. The A rated carriers are Essex, Burlington and Mt. Vernon.
Klein Insurance Services, Inc.
One Garrett Mountain Plaza, Ste. 901
West Paterson, NJ 07424
Contact: J. Scott Klein, Patt Rizzo
Phone: (973) 754-6100
Fax: (973) 754-0600
E-mail: info@kis-hospitality.com
An MGA that operates nationwide. Target market is hotels/motels. Property, casualty, umbrella and workers comp is offered. Carriers are Insurance Corp. of Hannover, Zurich, Fidelity and Deposit, and Hartford Steam.
L.A. Xcess Insurance Brokers
P.O. Box 5013
Buena Park, CA 90622
Contact: Richard Futkin, CIC; Lori Rosenfeld, Patty Zuniga
Phone: (800) 995-9170
E-mail: insurance@laxcess.com
Web site: www.laxcess.com
A wholesale broker and E&S broker operating in CA only, offering limits of $1 million. Target markets are nightclubs, bars and adult cabarets. Also offered are property with limits of up to $1.5 million. Clarendon is the A rated carrier.
Leadenhall Insurance Brokers
120 Wall St., 5th floor
New York, NY 10005
Contact: Emma Freedman, Matthew Yallup, Erik Nihodem
E-mail: emmafreedman@cgsny.com
An E&S broker that operates throughout the United States, offering limits of $200 million. Most classes are considered. All carriers are rated A or better.
Liquor Pak Associates, Inc.
3 Wing Drive
Cedar Knolls, NJ 07927
Contact: Larry Chasin
Phone: (888) 386-5701
Fax: (973) 359-0133
E-mail: larryc@liquorpak.com
Web site: www.liquorpak.com
An MGA that writes in 42 states with BOP policy limits of $1 million/ $2 million (including liquor liability). Target markets are retail wine and liquor stores. Also offered are workers comp, commercial, auto and umbrella. Great American is the admitted, A rated carrier.
Market Finders Insurance Corp.
P.O. Box 6549
Louisville, KY 40206
Contact: Karen Cornett, Charlene Curry, Greg Seibel
Phone: (800) 626-5660
E-mail: jcornett@mfic.com
Web site: www.mfic.com
An E&S broker operating in IN, KY, NC, OH, SC, TN and WV, and offering property, GL, liquor and packages. The carriers are rated B or better.
1Metcom Excess
596 Anderson Ave.
Cliffside Park, NJ 07010
Contact: Sandy Koyal; Charles McCloskey, Jr.; Jim James
Phone: (800) 521-1717
Fax: (201) 945-0724
Web site: www.metcomexcess.com
An E&S broker that operates in NJ and NY, offering property limits of $2 million (in-house binding authority) and GL and liquor of $1 million, plus umbrella available. Target markets are bar/tavern, family style restaurants, fine dining, nightclubs, adult entertainment and liquor stores. First Specialty, Preferred National, Columbia Casualty, Burlington, and First Financial are the A rated carriers.
Midlands Management of Texas, Inc.
16415 Addison Rd., Ste. 400
Addison, TX 75001
Contact: James Caldwell
Phone: (972) 588-2000
Fax: (972) 588-2020
An MGA that operates in TX only, offering limits of $1 million/ $2 million. Will offer CGL, property and liquor. Various A rated carriers are used to place coverage.
Midwestern General Agency, Inc.
255 N.W. Blue Parkway
Lee's Summit, MO 64063
Contact: Todd Black, Bianca Betts
Phone: (800) 788-4347
Web site: www.mgakcmo.com
An MGA/E&S broker operating in IL, KS, MO and NE, offering limits of $1 million/$2 million. Target market is small, non-franchise motels and delis. Will also offer umbrella. Various A rated carriers are used to place coverage.
National Specialty Underwriters, Inc.
155 108th Ave., N.E., Ste. 800
Bellevue, WA 98004
Contact: Dusty Rowland
Phone: (425) 450-1090
Web site: www.nsui.com
A program administration for hotels that operates throughout the United States with limits of $1 million, primary and $250 million, umbrella. Target markets are hotels, resorts and casinos. Also offered are EPL, workers comp, and property. St. Paul is the A rated carrier.
North Island Facilities, Ltd./NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Nancy Williams, Dan Mogelnicki
Phone: (800) 892-8892
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An MGA/E&S broker that operates in CT, FL, GA, MA, MD, NH, NJ, NY, PA, RI, VA and VT. Will offer liquor liability and special events coverage. Various A rated carriers are used to place coverage.
Pomerleau Program Administrators
P.O. Box 485
Burlington, VT 05402
Contact: Brian Courcy
Phone: (800) 639-1504
Fax: (802) 652-6245
E-mail: bcourcy@pomerleauins.com
Web site: www.pomerleauins.com
An MGA operating in AL, CT, GA, MA, ME, NH, NY, RI and VT offering limits of up to $1 million/$ 1 million. Target market is all liquor licensed insureds. CNA is the A rated carrier.
Prime Insurance Syndicate, Inc. (INEX)
311 S. Wacker Dr., #3360
Chicago, IL 60606
Contact: Emanuelle Mercado
Phone: (800) 456-4576
Fax: (312) 408-8081
Web site: www.primeis.com
An insurer that operates throughout the United States with all limits available. Will consider all classes. Prime is rated C+; Lloyd's is rated A.
Princeton Risk Managers, Inc.
201 Wall St., Research Park
Princeton, NJ 08540
Contact: Carmella Maglione, Carol Castelize
Phone: (800) PRM-0099
E-mail: cmaglione@princetonrisk.com ccastelize@princetonrisk.com
An E&S broker that operates in NJ, NY and PA offering liability limits of $1 million/$2 million, plus umbrella and property limits of $2 million. Target markets are restaurants, taverns and catering halls. Will also offer monoline liquor liability. Various admitted and nonadmitted A rated carriers are used.
ProHost USA, Inc.
4500 Park Glen Road
Minneapolis, MN 55416
Phone: (888) 968-6863
Fax: (952) 922-5423
An MGA operating in most states offering limits of $1 million occurrence/ $2 million aggregate; $1 million liquor liability. There are no specific property limitations for Class 8 or better. Target markets are fine dining restaurants in business three years or longer--package premiums $6,000 and up. Also offered are liquor liability, garagekeepers, commercial umbrella, commercial crime, commercial IM, equipment breakdown, employee benefits liability and special restaurant coverages including off-premises, power failure, food spoilage, extra expense, debris removal, EDP, signs, sewer backup, and EPLI. Various carriers are used to place coverage.
RCA Insurance Group
1333 Broad St.
Clifton, NJ 07013
Contact: Michael Maher
Phone: (800) 526-0147
Boca Raton, FL branch: (800) 801-0282
W. Springfield, MA branch: (800) 851-9200
Web site: www.RCA-insurance.com
An MGA that operates in various states (check Web site) offering limits of $1 million liability, $1 million GL, and $1 million liquor liability. Target markets are restaurants, retail food business, taverns/bars. Not written are nightclubs with band /dancing, workers comp and commercial auto. Also offered are EPL, assault & battery, and property enhancement endorsement. Fire & Casualty of Connecticut Insurance is the A rated carrier.
Restaurant Owners PG, Inc., c/o S.H. Smith & Co.
41 N. Main St., Ste. 300
West Hartford, CT 06107
Contact: Melissa Ricupero, Ext. 262; Jonelle LeDuc, Ext. 267; Jack Kramer, Ext .272
Phone: (800) 356-0168
Fax: (860) 561-6709
E-mail: jackk@shsmith.com
An MGA/underwriting manager that operates throughout the United States offering limits of $1 million to $50 million umbrella--minimum premium $750. Target markets are most restaurants, including fine dining, family style, fast food and catering. Bars and clubs are not eligible. Follow-form liquor liability also is offered. Great American Alliance is the A rated carrier.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gabriel Derzhavets, Tony Armor, Jerry Roush
Phone: (800) 752-8402
Fax: (317) 776-6891 or 6892
Web site: www.roushins.com
An MGA that operates in IL, IN and OH offering liability limits of $3 million up and property of $1 million up. Will consider all classes in the hospitality industry. Also offered are liquor liability, special events, inland marine and equipment breakdown. Carriers are Scottsdale, Century Surety, Associated International, Evanston, Reliant American and Lincoln General.
W.A. Schickendanz Agency
P.O. Box 445
Belleville, IL 62222
Contact: Jack Miller, David Miller
Phone: (800) 869-9976
Web site: wasagy@icss.net
An MGA that operates in IL only, offering GL and liquor liability limits of $1 million and property limits of $500,000. Also offers inland marine and food spoilage. Carriers are Underwriters at Lloyd's and First Financial, both A rated.
Robert A. Schneider Agency
5620 Smetana Dr.
Minnetonka, MN 55343
Contact: Penny Janowiec
Phone: (952) 938-0655
Fax: (952) 938-0701
Web site: www.rasinc.com
An MGA/E&S broker operating in IA, MN, ND, SD and WI, offering limits of $2 million GL and $5 million property. All classes are considered. Liquor liability also is offered. Carriers are St. Paul Surplus Lines, General Star, Nautilus, Penn America, United National, and Essex.
S.H. Smith & Co.
41 N. Main St.
West Hartford, CT 06107
Contact: Jack Kramer
Phone: (800) 356-0168
Fax: (860) 561-3606
E-mail: jackk@shsmith.com
Web site: www.shsmith.com
An MGA/purchasing group that operates nationwide offering limits of up to $20 million. The target market is restaurants, with umbrella liability (including liquor liability) also offered. Great American/U.S. Liability is the carrier.
Specialty Insurance
P.O. Box 448
Brielle, NJ 08730
Contact: Mel Watters
Phone: (800) 836-1400
Fax: (732) 223-4676
An MGA that operates in CT, DE, GA, IL, MD, MI, MO, NC, NJ, NY, PA and TN offering limits of $1 milion for CL, and liquor liability and $2 million on property. QBE is the admitted, A rated carrier.
Sunderland Insurance Services
3021 Citrus Circle, #220
Walnut Creek, CA 94598
Contact: Don Brink, Ext. 113; Maitland Dimock, Ext. 110; Bill Sunderland, Ext. 105
Phone: (925) 942-4020
Fax: (925) 942-4021
E-mail: dan@sunderlandins.com bill@sunderlandins.com maitland@sunderlandins.com
An MGA that operates in all states except AK and HI offering limits of up to $10 million. The target market is pizza delivery. Offered is non-owned and hired auto excess/umbrella coverage, no primary liability at this time. United National is the A rated carrier.
Superior Access Insurance Services
P.O. Box 57092
Irvine, CA 92619
Contact: Richard Swoy, Ron Chamberlain, Barbara Hartz
An MGA that operates in AZ, CA, NV and TX, offering limits of $1 million occurrence and $5 million excess. Target market is smaller hotels and restaurants. No liquor liability is available for bars/taverns. Will write liquor liability for restaurants with less than 30% liquor receipts. TOPA and Century Surety are the A rated carriers.
Surplus Insurance Brokers Agency, Inc.
P.O. Box 749
South Bend, IN 46624
Contact: Carol Dhoore, Sean Urbanski, Martha Sulwin
Phone: (800) 342-5706
Fax: (800) 578-7758
E-mail: cdhoore@surplus.ins
An MGA that operates in IN only, offering liability limits of $1 million and property limits of $500,000. Will write liquor liability. Scottsdale, Capitol Indemnity and Northfield are the A rated carriers.
Surplus Services Insurance Agency, Inc.
154 Wells Ave.
Newton, MA 02459
Contact: Vinnie Gononi, Berry Grigalunas
Phone: (617) 964-5340
Fax: (617) 964-3256
An E&S broker operating in CT, MA, NJ and RI offering limits of $2 million/$1 million GL and $1 million property. Target markets are restaurants with liquor sales not exceeding 40% and whose financials are good. Umbrella and liquor liability also are offered. Nautilus and Western World are nonadmitted A rated carriers.
Swett & Crawford Group
515 S. Figueroa St., #600
Los Angeles, CA 90071
Contact: Ben Beazley
Phone: (213) 439-3400
Fax: (213) 439-3449
E-mail: ben_beazley@swett.com
Web site: www.swett.com
An MGA that operates throughout the United States offering limits of up to $100 million. Target market is full-service business and vacation hotels with AAA Three Star or better rating. Other coverages offered include boiler & machinery and crime. Carriers are A rated.
The Wholesale Insurance Group
8 Nelson St., W., 6th floor
Brampton, ON, CN L6X 432
Contact: Zena Nucifora, David Johnston
Phone: (800) 268-4461
Web site: www.thewholesale insurancegroup.com
An MGA/P-C wholesaler that operates in Canada offering liability limits of up to $5 million and property limits of up to $9 million. Target markets are restaurants, banquet facilities, cabarets, sports bars, taverns, pubs, legions, adult entertainment venues, and nightclubs --all establishments with a valid liquor license. Boiler and machinery also are offered. Lombard Canada is the A rated carrier.
U.S. Risk Insurance Group, Inc.
10210 N. Central Expy., Ste. 500
Dallas, TX 75231
Contact: Jim Thomas, Ext. 414
Phone: (800) 232-5830
An E&S broker that operates in most states with varied limits. Will offer property, GL, liquor and umbrella. All carriers are A rated.
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 AZ, CA, KY, MT, NV, OH, OR, PA, TX and WA, offering limits of up to $3 million liability and property. Target markets are bars/nightclubs, micro-breweries, restaurants and hotels/motels. Crusader is the A rated carrier.
United Brokers, Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Crystal Burns
Phone: (800) 444-4824
Fax: (812) 949-4015
E-mail: crystalb@ubinc.com
Web site: www.ubinc.com
An MGA operating in IN, KY, OH, TN, GA and MO offering liquor liability limits of up to $10 million; property up to $20 million; GL up to $3 million; and umbrellas up to $10 million. All coverages are offered on a monoline basis as well. Target markets are restaurants of all types, hotels/motels, convenience stores, bars/taverns, travel agencies, bed and breakfasts, nightclubs and country clubs. Also offered are business income, accounts receivable, backup of sewers & drains, boiler & machinery, sign coverage, employee dishonesty, non-owned auto, glass coverage and food spoilage. Carriers are Penn America, Markel, Fulcrum, Penn Star, US Liability and Acceptance, all B rated or above.
Van Wagoner Cos., Inc.
1100 Jupiter Rd., #121
Plano, TX 75074
Contact: Paul Van Wagoner
Phone: (800) 727-9999
E-mail: paul@vwcos.com
Web site: www.vwcos.com
An MGA that operates in all states except FL, IL and KY, offering limits of $1 million CGL and $500,000 property. Target markets are family and oriental restaurants, small hotels and bed and breakfasts. Also offered are building contents, stock, BI, AR, VP and liquor. Taranova and Lloyd's are the A rated carriers.
Venture Programs
P.O. Box 1329
West Chester, PA 19380
Contact: Mary Joan Gardler
Phone: (800) 282-6247
Fax: (610) 692-5977
E-mail: mjgardler@ventureprograms.com
A program specialist operating throughout the United States. Target markets are restaurants, hotels, resorts, casinos and other hospitality-related risks. Legion and Vallanova are the carriers.
Western World Insurance Co.
400 Parson's Pond Dr.
Franklin Lakes, NJ 07417
Contact: Timothy Hochkeppel
Fax: (201) 847-1010
E-mail: t.hochkeppel@westernworld.com
Web site: www.westernworld.com
An insurer that operates nationwide offering limits of $1 million/$2 million. Bars or taverns are not written. Also offers GL/property--no liquor liability. Western World and Tudor are the A rated carriers. *