SPECIALTY LINES MARKETS
Recent reports from markets indicate that capacity is abundant
and pricing has leveled off for most classes of business
By Larry G. France
Recent reports from markets indicate that capacity is abundant and pricing has leveled off for most classes of business
Minimum umbrella premiums are higher than several years ago when personal accounts were below $100 per million and even some commercial risks hit $250 or less.
Higher retention levels served as a way to reduce premiums when pricing took off several years ago. Now with stable or level pricing it may pay to make adjustments.
Toni Campbell, marketing manager for RISC, Inc., says that pricing is beginning to stabilize and is even falling in some commercial classes. Capacity is increasing and carriers are aggressively seeking new business.
Dave Jones of McClelland & Hines notes some softening in "low" classes such as habitational, and larger accounts in general. "Increased standard market activity is being observed," says Jones. He, too, has seen some decline in minimum premiums and increased levels of capacity.
The majority of responses to our survey were in agreement with these assessments.
In the personal lines market, umbrella recently has tightened up as more and more admitted carriers are exiting the market, according to Bob Briggs of Hull & Co. "This is due, in part, to the fact that umbrella premiums are staying at current levels or are going even lower. Some carriers are hard pressed to put up higher limits for such small premiums in today's economy," he says.
According to Briggs, another factor is the shortage of underlying homeowner writers that have maintained viable A.M. Best ratings in Florida. Although a few A rated carriers are still offering homeowners there, the umbrella carriers that will agree to write over non-A rated carriers or who have more flexible underwriting guides are having the most success.
"Umbrella sales are on the rise despite this, and the face of the typical customer is also changing. In the past most personal umbrellas were being bought by top executives and very affluent clients, but this is changing. In the past year or so this trend has shifted and now more middle income families are buying the extra protection afforded by having the additional coverage and higher limits that an umbrella can provide."
Briggs says this only makes sense in such a litigious society where a family's entire savings can be wiped out in the wake of a serious at-fault auto accident. The nonadmitted market can offer a good alternative for those in need of umbrella coverage in a tight market.
Both commercial and personal umbrellas are necessary to fill out the client's total insurance needs. They are a good source of revenue to the agency, assist in retention and can avoid future agents E&O claims.
For updates on new products, enhancements to existing products and market changes, log on to www.roughnotes.com and scroll down to The Insurance Marketplace Specialty Lines Bulletin Board.
Future Specialty Lines articles will focus on Trucking Risk/Motor Truck Cargo (August), Leisure Risk/Pay For Play (September) and Professional Liability (October).
The following have responded to our survey and indicated they are a market for umbrella or excess liability coverage.
Agency Marketing Services, Inc.
P.O. Box 67218
St. Pete Beach, FL 33736
Contact: John Coe
Phone: (800) 542-2805
E-mail: jcoe@agencymarketing.com
An E&S broker operating in FL only with commercial limits of $50 million and personal limits of $10 million (no minimum deductible and minimum premium). Available for most lines of business (no size limits) including habitational, mercantile, manufacturing, and construction. Will not write transportation. Can also offer product liability, excess personal auto and excess commercial auto. All carriers are A rated.
All Risks, Ltd.
1920 Greenspring Rd., Ste. 200
Timonium, MD 21093
Web site: www.allrisks.com
Maryland branch/corporate office
10150 York Rd., 5th fl.
Hunt Valley, MD 21030
Contact: Bob Boyle
Phone: (800) 366-5810
Fax: (410) 828-8179
E-mail: bboyle@allrisks.com
York, PA branch
2555 Kingston Rd., Ste. 250
York, PA 17402
Contact: Rob Reale
Phone: (800) 723-1022
Fax: (717) 600-2291
E-mail: rreale@allrisks.com
An E&S broker that operates in all 50 states with all limits. Target markets are products, contractors, health care, condos, and apartments. Classes not written vary by carrier. Can offer GL, professional, property, auto, and workers comp. All admitted and nonadmitted carriers are A rated.
Aon Specialty Product Network
200 E. Randolph St., 18th fl.
Chicago, IL 60601
Contact: We direct you to appropriate provider company
Phone: (877) 275-2776
Fax: (312) 381-6211
E-mail: moreinfo@askaspn.com
Web site: www.askaspn.com
An MGA/program administrator/E&S broker that operates in all states. Various A rated or better carriers are used to place coverage.
Arrowhead General Insurance Agency, Inc.
6055 Lusk Blvd.
San Diego, CA 92121
Contact: Gustavo Yanez
Phone: (800) 905-7550
Fax: (858) 677-6978
Web site: www.arrowheadagents.com
An MGA operating in AZ, CA, CT, MD, NJ, NY, OR, SC, VA and WA with limits of $1 million, $2 million, $3 million, and $5 million. Target market is people who own rentals in addition to their homes, all people exposed to suits. Will not write commercial risks. Will offer in-home business policies. RLI is the A rated or better admitted carrier.
Automotive Risk Management & Insurance Services, Inc.
1919 Grand Canal Blvd., Ste. C7
Stockton, CA 95207
Contact: Jerry Rogers
Phone: (800) 224-6363
Fax: (888) 504-8062
E-mail: apps@armonline.com
A program manager/E&S broker/Lloyd's correspondent that operates in all states with limits of $200 million. Target market is automotive sales and service.
Bailey Special Risks, Inc.
P.O. Box 768
Hendersonville, TN 37077
Contact: Kim Cassell, Tracey Bogle, Stacie Pitt
Phone: (800) 768-7475
Fax: (615) 264-3980
E-mail: submit@bsrins.com
Web site: www.bsrins.com
An MGA/E&S broker that operates in 30 states with limits of $25 million. See Web site for target markets. Will not consider risks that can be placed in admitted carriers. All carriers are rated A or better.
BAT Insurance Corp.
465 S. Beverly Dr.
Beverly Hills, CA 90212
Contact: Tony Trocino
Phone: (310) 282-0753
Fax: (310) 282-7133
E-mail: trotony@earthlink.net
An E&S broker operating in CA and NV with limits of $10 million. Target market is contractors and manufacturers. Can offer following form excess. All carriers are A rated.
Brownyard Group, Inc.
21 Maple Ave., P.O. Box CN9175
Bay Shore, NY 11706
Contact: Torrence Brownyard
Phone: (800) 645-5820
Fax: (631) 666-5723
E-mail: info@brownyard.com
Web site: www.brownyard.com
An MGA/wholesaler that operates in most states with limits of up to $5 million. Target markets are security guard and pest control. All carriers are highly rated.
Burns & Wilcox, Ltd.
220 Kaufman Financial Center
Farmington Hills, MI 48334
Contact: Call 800# for local branch
Phone: (800) 521-1918
Web site: www.burnsandwilcox.com www.servicegen.com
An MGA/wholesaler that offers commercial coverage in all states except HI, ME, NJ and NY (limits of $10 million) and personal coverage in all states except ME and NY (limits of $25 million). Will consider all commercial and personal classes. Can also offer commercial GL/property/EPLI/auto. All carriers are rated A or better.
Caitlin-Morgan Insurance Services
8465 Keystone Crossing, Ste. 190
Indianapolis, IN 46240
Contact: Jeff Harsch
Phone: (800) 723-7475
Fax: (317) 205-4450
E-mail: jeff.harsch@caitlin-morgan.com
Web site: www.caitlin-morgan.com
An MGA/agency/E&S broker that operates nationwide with various limits, with the ability to build excess capacity layers. Target markets are casualty, construction, products liability, medical malpractice, etc. Various A rated carriers are used to place coverage.
Carnegie Insurance Service Corp.
348 Broadway Ave.
Cleveland OH 44146
Contact: Dennis Liniman, Bob Wheatley
Phone: (800) 362-2411
Fax: (440) 439-5551
An MGA/E&S broker that operates nationwide with in-house limits of up to $10 million, and higher limits available on a submitted basis. Target markets are standard/preferred, nonstandard personal auto with DUIs, accidents and violations, young drivers, high profile entertainers and athletes. Can offer excess UM/UIM up to $1 million. Various A rated carriers are used to place coverage.
Casualty & Surety, Inc.
100 Corporate Pky., Ste. 350
Birmingham, AL 35242
Contact: Lamar Andrews
Phone: (205) 995-0713
Fax: (205) 995-0862
E-mail: landrews@csiapex.com
Web site: www.csiapex.com
An E&S broker operating nation-wide with limits of $50 million and up. Target markets are manufacturers, contractors, and truck liability. Can offer CGL and products/completed operations. All carriers are rated A or better.
CCBsure/ISG International, Inc.
204 Cedar St.
Cambridge, MD 21613
Contact: Estelle Cummings, Scott Schleicher
Phone: (800) 336-5659
Fax: (410) 228-7645
E-mail: ecummings@ccbsure.com sschleicher@ccbsure.com
Web site: www.ccbsure.com
An MGA/agency that operates in all states with limits of $1 million to $20 million. Target market is most information technology (IT) classes. Will not write medical applications or Web site gaming. Can offer package, workers comp, D&O, auto, fidelity, and foreign. All carriers are rated A or better.
Centurion Corp.
P.O. Box 959
Hanover, NH 03755
Contact: Thomas F. Canfield
Phone: (800) 258-3056
Web site: www.centuriones.com
An E&S broker that operates in all states with limits of $25 million. Target market is leased properties. Will not write contractors. AIG and Chubb are the A rated or better carriers.
Continental/Marmorstein & Malone
P.O. Box 586
Paramus, NJ 07652
Contact: Bill Malone
Phone: (800) 932-0249
Fax: (201) 261-8922
An MGA/E&S broker that operates in NJ and NY with limits of $50,000 (with both primary and excess umbrella) in commercial and personal umbrella. All classes are considered. Can offer commercial and personal umbrella, primary and excess, excess GL, excess commercial auto liability and excess personal watercraft. Carriers are USLI, Chubb Custom Market, General Star, Interstate Fire & Casualty, Essex, Gulf, Nautilus and Arch.
Creative Underwriters Corp.
140 E. Main St.
Carmel, IN 46032
Contact: Rebecca Harpel, Dave Setters
Phone: (800) 769-4321
E-mail: dave@creativeunderwriters.com rebecca@creativeunderwriters.com
An MGA/E&S broker operating in IL, IN and OH with limits of $10 million. Target markets are truckers and contractors. Can offer truckers auto liability, physical damage and cargo. General Star, Penn American and Scottsdale are the A rated or better carriers.
Delaware Valley Underwriting Agency, Inc.
420 S. York Rd.
Hatboro, PA 19040
Web site: www.dvua.com
NJ branch
Contact: Jon Bannett
Phone: (800) 772-2207
Fax: (973) 377-2430
E-mail: bannett@dvua.com
Hatboro, PA branch
Contact: Tony Saltzman
Phone: (800) 388-0215
Fax: (215) 672-7983
E-mail: saltzmant@dvua.com
Pittsburgh, PA branch
Contact: Dennis Alkson
Phone: (800) 892-5938
Fax: (412) 366-1760
E-mail: alkson@dvua.com
An MGA/E&S broker that operates in DC, DE, KY, MD, NC, NJ, NY, OH, PA, SC, TN, VA and WV with limits up to $100 million depending on class and nature of risk. Target markets are transportation and trucking, contractors and construction risks, manufacturing risks, miscellaneous OL&T risks, habitational, real estate, health care, and excess auto. Can write over claims-made or occurrence, defense outside the limit; can include professional liability, primary or excess umbrella, following form excess, buffers. All admitted and nonadmitted carriers are rated A- or better.
The Distinguished Programs Group
6 E. 43rd St.
New York, NY 10017
Contact: Jim Tesoriero
Phone: (888) 355-4626
Fax: (212) 297-3146
E-mail: jtesoriero@distinguished.com
Web site: www.distinguished.com
An MGA that operates in all states with limits of up to $100 million. Target markets are (commercial umbrellas only) apartments, condos, homeowner associations, office buildings, strip malls, and shopping centers only. Can offer property, and CGL for the real estate industry. Chubb and Great American are the A rated or better carriers.
Eagle Marine Underwriters
P.O. Box 1701
Orlando, FL 32802
Contact: Thomas M. Cotton
Phone: (800) 444-6503
A wholesale broker operating in all states with limits of $1 million. Will not write jet ski rental. Can offer property and auto. Various carriers are used to place coverage.
First Capital Group
221 Main Street, Ste. 780
San Francisco, CA 94105
Contact: Steve Chan
Phone: (888) 313-6377
Fax: (415) 243-8888
E-mail: sfchan@firstcapitalsf.com
Web site: www.first-capital.com
An MGA that operates in all states except AK and HI with limits of $5 million. Target markets are commercial contractors, property owners, and commercial auto. Will not consider personal lines. United National Group and QBE Specialty are the A rated carriers.
Frontier General Insurance Agency, Inc.
6801 Calmont Ave.
Fort Worth, TX 76116
Contact: Rosemary Rich
Phone: (800) 800-2464
Fax: (800) 735-2464
E-mail: rrich@frontiergeneral.com
Web site: www.frontierumbrellas.com
An MGA/E&S broker that operates in AZ, CA, NV, OR and WA with limits of $5 million-plus. Will not write contractors. All admitted and nonadmitted carriers are rated A or better.
Gateway Underwriters Agency
1714 Deer Tracks Trail, Ste. 210
St. Louis, MO 63131
Contact: Mary Beth Fox
Phone: (800) 325-7652
Fax: (314) 238-0065
An MGA operating in IL, KS, MO and NE with limits of up to $25 million. Will not write residential contractors. Can offer excess GL. USLI, Scottsdale, Gulf, and Nautilus (excess GL only) are the carriers.
Harry W. Gorst Co., Inc.
9310 Topanga Canyon Blvd.
Chatsworth, CA 91311
Contact: Randy Scott, Fran Locke, Nancy Braun, Arnel San Diego
Phone: (800) 437-6616
Fax: (818) 507-1133
An MGA operating in CA only with limits of $5 million. Will consider all classes. Will not write course of construction. Carriers are Topa, Western Heritage and Scottsdale.
Hull & Company, Inc.
2150 S. Andrews Ave.
Ft. Lauderdale, FL 33316
Contact: Carl Bartlotti, Sue Geckler
Phone: (954) 527-4855
Fax: (954) 524-0479
E-mail: markets@hullco.com
Web site: www.hullco.com
An MGA operating in CA, CO, FL, HI, IA, KS, MO, MT, NC, NE, SC, TX and VA with limits of $10 million and up. Target markets are high net worth/celebrity individuals, contractors, and many commercial classes. Can offer primary and excess liability. All carriers are A rated.
Insurance Innovators Group
130 S. Easton Rd.
P.O. Drawer 969
Glenside, PA 19038
Contact: Susan Clifton (personal), Barb Randall (commercial)
Phone: (800) 523-6422
Fax: (215) 886-2482
Web site: www.iiigroup.com
An MGA/E&S broker that operates in CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI and VT with personal limits of $10 million; commercial limits depend on the risk. Will consider various classes. Can offer GL, property, and commercial auto. Carriers are rated A or better.
The Jack Nebel Companies, Inc.
P.O. Box 159
Palatine, IL 60078
Contact: Brenda Brinkman, Tom Clark
An MGA/E&S broker that operates throughout the Midwest with limits of $5 million per carrier. Target markets are contractors and habitational risks. The 10 carriers used are rated A or better.
Jacobs & Associates
8227 Brecksville Rd., #102
Brecksville, OH 44141
Contact: Jim Jacobs
Phone: (440) 838-1870
Fax: (440) 838-0742
E-mail: jim@jacobs.com
An MGA/E&S broker that operates in OH only. Target markets are fire protection, security guards, alarms, habitational, and excess auto. Can offer GL and package. The A rated carriers are Scottsdale, Mt. Vernon, AIG, United National and Great American.
King Support Systems Insurance Services
26311 Junipero Serra Rd., Ste. 100
San Juan Capistrano, CA 92675
Contact: Erik Toberman, Vicki McIntosh
Phone: (949) 488-2255 CA only (800) 488-4096
Fax: (949) 488-2259
Web site: kinginsuranceca.com
An MGA/E&S broker that operates in the western states with personal lines limits of $5 million umbrella and $5 million excess; commercial umbrella of $10 million. Target markets are mobile home parks and owners of mobile homes. AIG, CNA, and Lexington are the carriers.
London American General Agency, Inc.
10174 Old Grove Rd., Ste. 100
San Diego, CA 92131
Contact: April Taylor
Phone: (858) 547-9000
Fax: (858) 547-9199
E-mail: ataylor@londonamerican.com
Web site: www.londonamerican.com
An MGA/E&S broker that operates in CA only with limits of up to $10 million. Target markets are manufacturers, service, and habitational. Will not write contractors. Carriers are rated B+ and better.
M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Heather Duffield, John Jennings, Shawna Cooke
Phone: (800) 725-7211
Fax: (417) 883-7103
Web site: www.mjkelly.com
An E&S broker that operates in AR, IL, KS, MO and OK with various limits. Target markets are mercantile, habitational, and contractors. Will not write professional exposures. Can offer GL and auto. Various carriers are used to place coverage.
McClelland & Hine, Inc.
P.O. Box 700930
San Antonio, TX 78230
Contact: Dave Jones
Phone: (210) 366-2500
Web site: www.mhi-tx.com
An MGA/E&S broker that operates in all states with in-house limits of $10 million and brokerage limits of $50 million. Target markets are small commercial, artisan contractors, manufacturers, hotels, apartments, real estate, and trucking. Will not consider environmental, marine, aviation, paper GCs over $5 million revenue, excess professional. Can offer excess auto, St. Paul Travelers, AIG, American Empire, Burlington, Colony, Essex/Evanston, and Steadfast are the A rated carriers.
McLeckie Insurance Group
P.O. Box 770
Naples, TX 75568
Contact: Bill McLeckie
Phone: (877) 905-9090
Fax: (903) 897-0062
E-mail: mcleckie@msn.com
Web site: www.mcleckie.com
An MGA/E&S broker that operates nationwide with limits of $25 million excess of $5 million. Various admitted and nonadmitted carriers are used to place coverage.
NIF Group/NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Nancy Williams, or go to Web site for list of offices
Phone: (800) 892-8892
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An MGA/E&S broker that is admitted in all states and has nonadmitted capabilities in AR, AZ, CT, DC, FL, GA, MA, MI, MS, NJ, NY, PA, RI, TN, TX, UT, VA and WI, with limits of $25 million. Target markets are difficult products, pharmaceuticals, medical facilities and contractors. Will not write large fleets, trucking. Can offer GL, E&O and property. Various A rated carriers are used to place coverage.
NorthCoast Excess & Surplus, Inc.
2244 East Enterprise Pky.
Twinsburg, OH 44087
Contact: Jeff Burke, Michele Burke
Phone: (330) 405-9890
Fax: (330) 405-9893
E-mail: jburke@ncoastxs.com
mburke@ncoastxs.com
An E&S broker that operates in OH only with limits of up to $25 million. Target markets are manufacturers, restaurants, artisan contractors, apartments, and mercantile. The admitted and nonadmitted carriers are A rated.
Orion Commercial Insurance Services, Inc.
P.O. Box 30634
Walnut Creek, CA 94598
Contact: Allen Gebauer, Toni Gebauer
Phone: (925) 280-1155 (Allen) (925) 274-0120 (Toni)
An E&S broker that operates in CA, MO, NV and TN with limits that depend upon the risk and market (est. $15 million to $20 million). Target markets are property owners, manufacturers, and trade subcontractors. Will not consider new residential general contractors. The A rated or better carriers are National Union Fire of Pittsburgh, Great American, American International Surplus Lines, Insurance Company of the State of PA, Great American, Scottsdale, and United National.
Pacific Specialty Insurance Co.
3601 Haven Ave.
Menlo Park, CA 94025
Contact: Heidi Carpenter, Ext. 3064
Phone: (800) 828-3003
Fax: (650) 780-4835
E-mail: hcarpenter@mcgrawgroup.com
Web site: www.mcgrawgroup.com
An insurer that operates in AZ, CA, GA and TX with personal umbrella limits of $500,000, $1 million, and $2 million; and CPL limits of $100,000, $300,000, $500,000 in CA (and TX in the fall of 2004). Can offer stand-alone umbrella (personal) with underlying carrier of B+ or better and CPL coverage that serves as a complement to the California Fair Plan. Pacific Specialty is an A rated company.
Philadelphia Insurance Companies
One Bala Plaza, Ste. 100
Bala Cynwyd, PA 19004
Web site: www.phly.com
An insurer that operates in all states except LA with limits of up to $10 million. Will not write any risk for which it did not write the primary package umbrella. Philadelphia Indemnity Insurance Co. is A+ admitted and Philadelphia Insurance Co. is A+ nonadmitted.
Preferred Concepts, Inc.
40 Fulton St., 12th fl.
New York, NY 10006
Contact: Robert Max
Phone: (866) 308-8555
Web site: www.ezumbrella.com
A program administrator that operates in all states with limits of $5 million, $10 million and $25 million. Target markets are construction, hospitality, manufacturing, real estate, restaurants, retail, service, and wholesale. Zurich is the A rated or better carrier.
Princeton Risk Managers, Inc.
435 Wall St., Research Park
Princeton, NJ 08540
Contact: Jim Griffith
Phone: (800) 776-0099
E-mail: jgriffith@princetonrisk.com
Web site: www.princetonrisk.com
An E&S broker operating in CT, DE, NJ, NY and PA with limits of up to $100 million. Will consider all classes. Can offer excess auto buffers, excess med mal for physician groups and hospitals (over A rated primary companies), excess of large SIRs (over $250,000) on public entities. Carriers are ACE, Arch, American Empire, C&F, CNA, Firemans Fund, First Specialty, General Star, Gulf, Lexington, Liberty Mutual, United National, and Zurich.
RISC Inc.
2001 Bryan St., Ste. 2900
Dallas, TX 75201
Contact: Beth Winsteed, Mike Lehde
Phone: (800) 725-7472
Web site: www.gorisc.com
An E&S broker that operates in all states (as long as agent can file surplus insurance tax for non-Texas risks) with limits of $200 million. Will consider all classes; will not write nursing homes. Can offer GL and workers comp. All carriers are rated A or better.
Robert A. Schneider Agency
5620 Smetana Dr., Ste. 225
Minnetonka, MN 55343
Contact: Robert Raymo
Phone: (800) 832-6038
Fax: (952) 938-0701
E-mail: rs@rasinc.com
Web site: www.rasinc.com
An MGA/E&S broker that operates in IA, MN, ND, SD and WI with limits of $10 million. Will consider all classes. Can offer GL, property, and auto. General Star, Firemans Fund, and Essex are the carriers.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gail C. Pierce, Anthony Armor
Phone: (800) 752-8402
Fax: (317) 776-6891
Web site: www.roushins.com
An MGA that operates in IL, IN and OH only with limits of $25 million. Will not write personal umbrella/excess liability. Can offer property, commercial auto, EPL, and GL. The carriers are Evanston, Essex, Scottsdale, Tudor, Gulf, and Century Surety.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Mike Kraus, Ext. 330; Tony Ambrose, Ext. 143; Jayme Kralick, Ext. 263
Phone: (800) 333-7226
Fax: (800) 677-6779
E-mail: info@russellbond.com
Web site: www.russellbond.com
An MGA/E&S broker operating in NY only with limits of up to $50 million and over, depending on the risk. Target markets are personal umbrella for high-profile individuals, most commercial classes including preferred and distressed/specialty personal umbrella/group personal umbrella. Can offer primary GL, buffers, and excess liability. All carriers are rated A- or better.
Seaboard Underwriters, Inc.
P.O. Box 1478
Burlington, NC 27216
Contact: James Phillip (Flip) Hogan, Jr., Ext. 202
Phone: (800) 222-2407
E-mail: jphogan@amwins.com
Web site: www.seaboardunderwriters.com
An MGA that operates nationwide with limits of up to $15 million. Target markets are trucking and commercial auto. Coal and hazardous materials are not written. All carriers are rated A or better.
Superior Access Insurance Services
3 Whatney, 2nd fl.
Irvine, CA 92618
Contact: Michael Nguyen, Jonathan Reddekopp
Phone: (800) 272-7550
Fax: (888) 272-7550
Web site: www.superioraccess.com
An MGA/E&S broker, wholesaler that operates in all 50 states with limits of $10 million. Target markets are commercial and industrial contractors, subcontractors (electricians, plumbers, concrete, flat work carpentry), plastic manufacturing, package garages, machine shops, sheet metal fabricators, equipment rental, real estate management, hotel/apartment complexes, lessors risk. Will not write guns/ammo, tobacco, health care/hospitals, truckers; will not write excess of professional liability. Can offer BOP, stand-alone, and contractors liability. AIG is the A rated or better carrier.
Swett & Crawford Group
21650 Oxnard St., Ste. 1400
Woodland Hills, CA 91367
Contact: Craig Rubin
Phone: (800) 262-6099
Web site: www.swett.com
An MGA/E&S broker that operates in all states with limits of up to $100 million. Can offer GL and products. All carriers are rated A- or better.
Topa Insurance Co.
1800 Avenue of the Stars, 12th fl.
Los Angeles, CA 90067
Contact: Grainne Heatherington, Larry Esposito
Phone: (800) 949-6505
Web site: www.topains.com
An insurer that operates in CA only with limits of $1 million to $5 million. Can offer primary GL. Topa is rated A-.
U.S. Risk Insurance Group, Inc.
10210 N. Central Expressway, Ste. 500
Dallas, TX 75231
Contact: Betty Prah, Ken Burket, Cecil Rhodes
Phone: (800) 232-5830 in Dallas, (800) 833-8803 in Houston
An E&S broker that operates in TX only for UW and nationwide for brokerage with limits of up to $10 million. Target markets are retail stores, artisan contractors, manufacturers, commercial premises occupancy and habitational. Various A rated carriers are used to place coverage.
United Brokers Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Janice Taylor, Ext. 129; Ron Gapp, Ext. 119; Barry Barndt, Ext. 150
Phone: (800) 444-4824
Fax: (866) 491-0505
E-mail: janicet@ubinc.com rong@ubinc.com barryb@ubinc.com
An MGA that operates in the midwestern and southeastern United States with limits of $25 million. Target markets are standard and heavy casualty exposures. Can offer excess auto and GL.
W.H. Greene & Associates
400 Quaker Rd.
East Aurora, NY 14052
Contact: William H. Greene III, William (Wil) Cote
Phone: (716) 805-1090
Fax: (716) 805-1099
E-mail: mail@whgreene.com
Web site: www.whgreene.com
A managing underwriter/broker that operates in all states except AK, DE, HI, IA, ID, ND, NE, NV, NM, OK, SD, UT and WY with in-house authority of $10 million; can broker limits in excess of $100 million. Target markets are municipalities, school districts, manufacturers, contractors, social service risks, habitational, distributors, and all classes of business. Will not consider long-haul trucking over 26 units. Able to include public officials liability, police professional liability, educators legal liability and other professional liability coverages. All companies are rated A- or better; in-house authority is admitted in all states.
Weisburger Insurance
5 Waller Ave.
White Plains, NY 10601
Contact: Michael Weisburger, 0Ext. 224
Phone: (800) 431-2794
Fax: (914) 428-0943
E-mail: maweis@weisburger.com
An MGA that operates in all states except HI and WY with limits that vary by coverage. Target markets are pest control, exterminators, lawn care operators, and landscapers. Will not consider home inspectors. The A rated Berkley family of companies is the carrier.
Yates & Associates Insurance Services
2100 E. Fourth St., 2nd fl.
Santa Ana, CA 92705
Contact: Alex Zardeneta, Michael Kwiatkowski, Betty Haun
Phone: (800) 660-1125
Web site: www.yates-assoc.com
An MGA/E&S broker that operates in CA only with varied limits. All admitted and nonadmitted companies are A rated.
Zurich North America
One Liberty Plaza
New York, NY 10006
Phone: (866) 860-7292
Web site: www.zurichna.com
A carrier that operates in all states with limits of up to $50 million. Will consider most classes. Carriers are rated A or better. *