 |
|
TYPE OF RISK |
COVERAGE / EXPOSURE |
PREMIUM |
CONTACT |
|
Our
online rating system. 12% commission (new and
renewal) for Personal / Commercial lines |
|
|
|
|
|
|
|
|
|
Janitorial Services
Trucking and Snow Plowing
Vacant Commercial Building |
General Liability
General Liability
Package |
$ 520
$ 6,773
$ 2,170 |
Jeff
Mike
Jeff |
|
|
|
|
|
|
|
|
Condo Association
Senior Advocacy
Trucking Company |
Not for Profit Directors & Officers
Not for Profit Directors & Officers
Employment Practices Liability |
$
685
$ 1,050
$ 5,396 |
Jackie
Jackie
Jackie |
|
Crime |
|
|
Labor Organization
Municipality - County
Union |
Employee Theft
Employee Theft
Employee Theft / Forgery / Fraud |
$ 697
$ 11,199
$ 1,510 |
Tonya
Tonya
Tonya |
|
Cyber
Liability / Technology / Privacy Liability |
|
|
Advertising Agency
Boces
Computer Consultant
Insurance Committee
Moving Company
Non Profit Development Organization |
Media Professional
Privacy / Crisis Mgmt / Website Liability
Privacy / Security / Crisis Management
Privacy & Technology Security
Privacy / Network Security
Network Security / Credit Monitoring |
$
4,900
$ 22,583
$ 36,304
$ 1,538
$ 7,636
$ 2,048 |
Tonya
Jackie
Tonya
Tonya
Jackie
Jackie |
|
Directors & Officers
- Do your Non-Profit D&O's know that they may be personally
liable if sued while sitting on the board? |
|
|
Day Care
Economic & Infrastructure Development
Gardens & Historical Museum
Homeowners Association
Medical Practice
Public Benefits Group
Real Estate Investment Trust
Savings Bank
Social Services
Telephone Communications
YMCA |
Not for Profit
Not for Profit
Not for Profit
Not for Profit
For Profit
Not for Profit
For Profit
Financial Institution
Not for Profit
For Profit
Not for Profit |
$
1,467
$ 9,423
$ 1,028
$ 2,391
$ 13,300
$ 5,313
$ 20,823
$138,588
$ 4,360
$ 7,556
$ 5,226 |
Tonya
Betsy
Betsy
Betsy
Tonya
Jackie
Tonya
Tony
Jackie
Tonya
Jackie |
|
Employment Practices
-
Indication provided with just the number of full / part time
employees and nature of operation |
|
|
Assisted Living Facility
Automobile Dealership
Dentist Office
Donut Shop
Vineyard |
26 FT / 26 PT
Employees
68 FT / 20 PT
Employees
41 FT / 16 PT Employees
66 FT / 182 PT Employees
1 FT / 10 PT / 43 Seasonal Employees |
$
2,598
$ 5,328
$ 4,195
$ 9,395
$ 1,969 |
Jackie
Tonya
Tonya
Jackie
Tonya |
|
Environmental Risks |
|
|
Car Dealership
Collision Shop
Damage / Disaster Restoration
Engineer
Gas Station / Convenience Store
Fuel Oil Dealer
Housing Authority
Mold Inspector |
Site Pollution
Site Pollution
Contractors Pollution / General Liability
Environmental Professional Liability
5 UST
Contractors Pollution
1 UST
Contractors Pollution / Prof. Liability |
$
1,478
$ 574
$ 8,150
$ 1,928
$ 3,568
$ 4,598
$ 784
$ 3,438 |
Tony
Tony
Jackie
Jackie
Tony
Tony
Tony
Jackie |
|
|
|
TYPE OF RISK |
COVERAGE / EXPOSURE |
PREMIUM |
CONTACT |
|
Errors &
Omissions
-
Many classes can be packaged with General Liability,
reducing potential coverage gaps |
|
Contractor
County Clerk Recorder
Home Inspector
Insurance Agent
Investment Advisor
Land Surveyor
Law Firm
Management Consultant
Physical Therapist
Repossessor
Website Design / Custom Software Development |
$ 500,000 Gross Billings
$ 2,7000,000 Gross Billings
$ 240,000 Revenue
$ 100,000 Revenue
$ 900,000 Revenue
$ 237,000 Revenue
$ 365,000 Revenue
$ 250,000 Receipts
$ 211,000 Prior
Yr. Outpatient Visits
$ 70,000 Receipts
$ 96,000 Revenue |
$ 8,358
$ 4,985
$ 2,500
$ 2,500
$ 8,250
$ 8,489
$ 6,222
$ 1,250
$ 57,044
$ 4,781
$ 2,528 |
Jackie
Betsy
Betsy
Betsy
Tony
Tony
Tony
Tonya
Jackie
Tonya
Tonya |
|
Excess Employers Liability
- Exclusive Program for NYS
Self Insured Municipalities and Government Entities |
| |
Municipality - City
Municipality - County
Municipality - Town
|
|
$ 2,142
$ 14,082
$ 1,250 |
Jeff
Jeff
Jeff |
|
Excess Flood |
|
|
Bank
Machine Shop
Shopping Center |
$ 5,366,500 Limit of Liability
$ 1,370,650 Limit of Liability
$ 4,168,000 Limit of Liability |
$ 13,239
$ 3,290
$ 10,920 |
Ed
Ed
Ed |
|
Forced Placed |
|
|
Bank
Credit Union
Mortgage Company |
Liability
Property
Liability |
$ 1,000
$ 1,000
$ 1,500 |
Ed
Ed
Ed |
| Garage |
| |
Body Shop
Car Wash & Detail
Diesel Motor Repair
Motorcycle Repair & Sale of Parts
Towing Service
Used Car Sales |
Package
Liability
Liability
Liability
Package
Garage Dealer |
$ 23,128
$ 7,566
$ 4,419
$ 1,163
$ 1,288
$ 3,759 |
Derek
Derek
Derek
Derek
Derek
Derek |
|
General
Liability
-
New markets available - both admitted and non-admitted -
premiums start at $500 |
|
Beauty Salon
Chinese / Japanese Restaurant
Cleaner Manufacturer
Demolition Contractor
Handyperson
Home Improvement Contractor
Manufacturer of Hair Products
Property Manager
Restaurant Hood & Duct Cleaning
Scrap Metal Collection
Solar Heating System Installation
Trucker Hauling Containers
Vacant Land with Gas Well - 37.5 Acres
Welder |
|
$
3,651
$ 3,430
$
5,500
$ 1,150
$ 789
$ 8,181
$ 35,289
$ 1,207
$ 8,353
$ 1,500
$ 5,946
$ 650
$ 750
$ 1,500 |
Rick
Barbara
Tony
Rick
Barbara
Jeff
Mike
Mike
Jeff
Rick
Mike
Derek
Rick
Barbara |
|
|
|
TYPE OF RISK |
COVERAGE / EXPOSURE |
PREMIUM |
CONTACT |
|
Healthcare
-
Professional Liability - can include
General Liability |
| |
Adult Home
County Nursing Home
and Health Care Facility
Imaging Center
Long Term Care Organization
Nursing Home
Outpatient Surgery Center
Reproduction and Family Matters Services
Social Services |
General Liability /
Professional
Excess General
Liability / Malpractice
Malpractice
General Liability / Professional
General Liability / Malpractice
General Liability / Malpractice
General Liability / Professional
General Liability / Professional |
$ 13,466
$ 35,000
$ 10,500
$ 52,000
$ 38,000
$ 15,989
$ 11,400
$ 5,398 |
Jackie
Tony
Tony
Tonya
Tonya
Jackie
Tony
Jackie |
|
Liquor
-
Excess Liquor now available |
|
Chinese / Japanese Restaurant
Deli
Fraternal Club
Gentlemen's Club
Nightclub
Restaurant
Restaurant with off-premises catering |
|
$
1,020
$ 750
$
1,013
$ 750
$ 1,737
$ 772
$ 849 |
Barbara
Mike
Jeff
Rick
Jeff
Michelle
Jeff |
| Mortgage
Impairment |
| |
Bank
Credit Union
Mortgage Banker & Real Estate Investor |
|
$
7,841
$ 13,308
$ 15,525 |
Art
Art
Art |
| Package |
| |
Apartment Building
- 6 units
Campground
Day Care Center
Farm
Legion VFW Post
Martial Arts Gym
Non-Profit Social Club
One Family LRO
Pawn Shop
Physical Fitness Center |
|
$
2,760
$
7,176
$ 2,700
$ 5,064
$ 3,321
$ 750
$ 1,215
$ 1,256
$ 1,077
$ 1,576 |
Barbara
Jeff
Jeff
Mike
Rick
Barbara
Rick
Barbara
Rick
Jeff |
|
Property |
| |
Gas Station with
Apartment
Long Term Care
Organization
Mobile Home Park - 87 Units
Office
Sawmill
Strip Mall with Restaurant |
$ 50,000,000 Property Value
PC-9
Pennsylvania Risk, PC-9
PC-9 |
$ 4,352
$ 59,750
$ 3,835
$ 2,895
$ 40,000
$ 10,192 |
Jeff
Tony
Mike
Jeff
Rick
Mike |
|
Public Entity
- Coverage
also available for special districts |
| |
County Gaming
Authority
IDA
Municipality -
County
Municipality - Village |
Public Officials
Public Officials
Police Professional
Public Officials |
$
8,839
$ 2,003
$ 41,194
$ 8,987 |
Jackie
Jackie
Tonya
Tonya |
|
Special Events |
| |
Beer Tasting
Gun Safety Course
Holiday Appreciation
Wedding |
|
$
850
$ 450
$ 1,425
$ 295 |
Jeff
Barbara
Jeff
Mike |
|
|
|
TYPE OF RISK |
COVERAGE / EXPOSURE |
PREMIUM |
CONTACT |
|
Transportation
Risks
- We
write Hazardous Haulers |
|
|
Ambulette
Auto Repair with Towing
Charter Bus Service
Container Hauler
Dirty Water Hauler
Gasoline Dealer
Freight Transportation
Snow Removal |
Liability
Liability
Physical Damage
Liability and Physical Damage
Liability and Physical Damage
Liability and Physical Damage
Physical Damage
Liability and Physical Damage |
$247,514
$ 12,986
$ 37,625
$ 35,698
$ 28,678
$ 20,888
$ 48,983
$ 20,541 |
Derek
Derek
Derek
Derek
Derek
Derek
Derek
Derek |
|
Umbrella |
| |
Craft Fair
Organizer
Day Care Center
Seasonal Snack Bar |
|
$
6,597
$ 500
$ 500 |
Mike
Jeff
Barbara |
|
Vacant Buildings -
Can pay 15% commission on select
policies |
| |
Bed & Breakfast
Building Being Constructed
Commercial Building
Condo
Dwelling Under Renovation |
Package
Package
Package
Package
Package |
$
8,497
$ 3,443
$ 4,486
$ 1,228
$ 915 |
Jeff
Rick
Jeff
Michelle
Barbara |
|
Workers Compensation
-
Risks with experience
mods up to 1.30 are eligible, higher mods considered |
| |
Apartment Property
Manager
Convenience Food Stores
Daycare
Diesel Motor Repair
Hospice
Masonry
Mobile Construction Part Refurbishing / Rebuilding |
|
$
5,664
$ 49,953
$ 1,020
$ 2,523
$112,794
$ 18,343
$ 96,952 |
Rick
Derek
Derek
Derek
Derek
Derek
Derek |
