Our risk programs department creates niche commercial umbrella programs by finding partner carriers that will insure the risks we can transfer based on our specific criteria. This department is able to provide quotes quickly via the phone and email and fax it to you with a binder. We can evaluate risks for specific industries, such as manufacturers, municipalities, real estate schedules, educational institutions, and petroleum marketers to name a few. Some of the applications for our Umbrella Liability Programs are available online. Please click on the corresponding link below.

National Public Transportation Program Charter Bus/Motorcoach Operators Independent School Bus Operators Plus Other Classes A+ Admitted Please ask our underwriter for additional details.
National Exclusive Tow Truck and Auto Transporters Program Tow Truck Operators and Auto Transporters All size tow trucks plus trailers, dealer/transporter plates, and incidental private passenger and service vehicles A++ Admitted Available in all states except AK and HI Please ask Scott Bartlett for more information.
Highlights of Purchasing Groups Petroleum Marketers PG Fuel Oil Dealers/Oil Jobbers, Gasoline Distributors and Transporters, Convenience Store/Gas Station Operators and LPG Dealers/distributors Carrier: General Star (AM Best Rated A++XV) $10MM of Capacity, Lead or Excess Additional Capacity Available Through Brokerage Minimum Premiums: $3,000 Policy Minimum, $1,500 per Million Follow-form on Erroneous Delivery, No Exclusion for Failure to Supply Follow-form Exceptions to the Total Pollution Exclusion for Hostile Fire, Upset & Overturn and Loading & Unloading $1MM Personal Excess Option Available
Educational Institutions PG Private Schools and Colleges under 7500 Residential Students Limits to $50,000,000 Carriers: General Star (AM Best Rated A++XV) on Lead $10 MM, Great American (AM Best Rated A XII) on $40 MM x $10 MM Minimum Premiums: $1,500 per MM on Lead $10 MM, $750 per MM on $40 MM x $10 MM in $5 MM increments Broad Follow-Form Provisions Follow-form Available for Most Professional Coverages Including Educators E&O Follow-Form Available on Lead $10 MM for EPLI Follow-Form Abuse & Molestation Sublimited to $5 MM

If you need additional information please contact Scott Bartlett or Jeff Blumberger.