Program Offering

Key Competitive Advantages:

"A+" rated paper (A.M. Best)
50 state capability
Dedicated Programs Group
Admitted and non-admitted paper
Package and auto rating/policy issuance system that can be out boarded
Claims, In-house or TPA and loss control capabilities

Lines of Business:

Single line or multi-line
Package
Property
General Liability
Umbrella/Excess, in support of other lines
Inland Marine
Professional Liability
Tailored coverage enhancements for specific program/customer group

Programs:

Auto Dealers Site Pollution
Bicycle Dealers & Manufacturers
California Private Schools
(Montessori and Pre K-6)
Carnivals & Amusements
Computer & Technology
Professional
Country Clubs & Golf Clubs
Fairs & Festivals
Fine Arts
Hotels & Resorts

Musical Instruments
Not for profit Habitation
Pennsylvania Public Schools
Pet Insurance
Rodeo
Texas Community Associations
Title Agents
Trucking, Small Fleet
Waste Haulers
Welding Supply Distribution

Submission Requirements

Program Overview, including
- Demographics
- Competition
Historical Experience
- 3 - 5 year premium/loss data by line of business, by year
- Outside actuarial analysis if available
- Rate trend information
- Limits profile and distribution
Marketing/Business Plan
Program Specifics/Underwriting Template
- Underwriting criteria, outlining program eligibility
- Pricing methodology
- Specialized coverage forms that will be required
- Property Limits Profile
Systems/Automation Capabilities
Claims/Loss Control needs and issues
Background/Resumes of Key Personnel

Desired Program Characteristics

We understand that “not one size fit’s all” when it comes to program appetite, but the following are the key common characteristics we look for when evaluating a potential program opportunity.

Current program administrators with underwriting authority
History of strong underwriting and demonstrated results
Specific industry expertise
Underserved, perceived as difficult, or unique product and/or service approach to specific class
Homogeneous group or common industry
Consistent coverage, limits and underwriting requirements
Premium Targets are based on geographic scope.
- State or Regional – minimum of $5 million
- National – minimum of $10 million
First dollar programs – limited appetite for fronted, captive or risk sharing structures.