Insurance Program Products

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Insurance Programs Products

We believe in partnering with the best in the business, which allows us to take an unbundled approach to your business that keeps you in control.

Unbundled approach to your business

Primary responsibility for your program’s claims administration, risk control, and underwriting remains with you, whether in-house or contracted by you to a third-party provider. Another important benefit of working together with Specialty Markets arises from our reinsurance roots: we do not have an independent insurance agency system that will compete with your business.

We prefer $10 million annualized gross written premium for supported casualty and multi-line packages, $5 million for unsupported umbrella business, and $5 million for property lines and professional liability lines.

Products

  • ISO Standard Lines: Commercial package, General liability, Automobile liability, Property Inland Marine (AAIS non-filed classes), Crime
  • Worker's Compensation: Primary capability
  • Excess Liability Products: Umbrella, Follow form
  • Specialty and Professional Liability Lines: filings may be required for unique or manuscript forms or proprietary rating plans
  • Surplus Lines: all exportable lines, including professional liability

Program solutions

Apartments and condos

Program details: Apartments and condos


Lines of business written: Property, General Liability

Architects and Engineers

Program details: Architects and Engineers E&O Professional Liability

Lines of business written: Professional Liability

Bars, restaurants and nightclubs

Program details: Bars, restaurants and nightclubs


Lines of business written: General Liability, Assault & Battery and Liquor Liability

Commercial Auto

Program details: Commercial Auto: designed to meet the needs of for-profit entities in the business of transporting individuals who are sick, injured, or otherwise physically incapacitated and require special transportation


Lines of business written: Commercial Auto

Commercial property - wind exposed

Program details: Wind exposed commercial property



Lines of business written: Property

Contractors

Program details: Contractors: Specialty contractors involved in general building construction, street and road construction and custom home builders; primarily in the northeast


Lines of business written: Commercial Auto, CGL, Workers Compensation

Contractors - oil business

Program details: Contractors associated with the oil business

 

Lines of business written: General Liability, Auto (incl. PhysDam), Inland Marine, Property, Excess Liability

Couriers

Program details: Couriers

Lines of business written: Auto (Liab and Phys Dam), Hired and Non Owned Auto, General Liability, Inland Marine, Property, Umbrella

Crane operators/transport

Program details: Crane operators/transport


Lines of business written: Auto, IM, Excess

Daycare

Program details: Daycare & Education

Lines of business written: Property, CGL, Management Liability, AL & Umbrella

Education

Program details: K-12 public & private and charter schools; community colleges & small universities

Lines of business written: Property, General Liability, Auto , Inland Marine and Umbrella

DIC

Program details: DIC business, mostly California

 

Lines of business written: Property

Insurance Agents

Program details: Insurance Agents E&O Professional

 

Lines of business written: Professional Liability

Lawyers

Program details: Lawyers Professional Liability


Lines of business written: Professional Liability

Multi-Class Excess and Umbrella

Program details: Multi-Class Unsupported Excess and Umbrella business


Lines of business written: Commercial Excess and Umbrella

Non-medical Healthcare Facilities

Program details: Couriers, Non-medical Healthcare Facilities: Non-profit and for-profit hospice, home health care, and domestic service providers (non-medical)

 

Lines of Business written: Property, Inland Marine, General Liability, Medical Professional Liability, Auto (incl. PhysDam), D&O (incl. EPLI) Crime, Equipment Breakdown, Umbrella

Non-profit emergency services

Program details: Non-profit emergency services operations, predominately volunteer fire departments and rescue squads.

 

Lines of business written: Property, Portable Equipment (Inland Marine), General Liability, Professional Health Care Liability, Management Liability, Auto, Crime, Equipment Breakdown, and Umbrella

Nursing homes

Program description: Skilled nursing homes

 

Lines of business written: GL/PL

Personal Umbrella

Program details: Personal Umbrella: Personal umbrella coverage for individual insureds


Lines of business written: Personal Umbrella with limited Commercial Umbrella availability

Pizza and Deli Restaurants

Program details: Pizza and Deli Restaurants


Lines of business written: Auto, Property, GL, Equipment Breakdown

Personal Umbrella

Program details: Coverage for individual insureds

 

Lines of business written: Personal Umbrella with limited Commercial Umbrella availability

Public Entity Umbrella

Program details: Public Entity Unsupported Umbrella Facility


Lines of business written: Umbrella

Public Entity

Program details: Local and/or county governments and public and private water supply systems


Lines of business written: Commercial Auto, Crime, Equipment Breakdown, General Liability, Law Enforcement Liability, Portable Equipment (Inland Marine), Property, Public Officials Liability, Umbrella

Public Practice

Program description: Public Practice: Municipalities with a population of 75,000 or less including special purpose entities, and entities that treat, distribute, or store water

 

Lines of business written: Property, Portable Equipment (Inland Marine), General Liability, Public Officials, Law Enforcement, Auto, Crime, Equipment Breakdown, and Umbrella

Real Estate E&O

Program details: Real Estate E&O Professional Liability


Lines of business written: Professional Liability

Religious

Program details: Churches, Religious Institutions, and associated schools

Lines of business written: Property, General Liability, Auto , Inland Marine, WC and Umbrella

Sawmills, Lumberyards, Wood Mfg.

Program details: Sawmills, Lumberyards, Wood Mfg.


Lines of business written: Property, GL, Auto

Senior Living

Program details: Nursing homes, assisted living facilities, independent living facilities

Lines of business written: Professional Liability, General Liability, Umbrella, Employee Benefits Liability and ancillary coverages

Social Services

Program details: Solutions for social services agencies

 

Lines of business written: Property, General Liability, Auto , Inland Marine and Umbrella

Workers Compensation: Specialty California

Program details: Workers Compensation: Specialty California
towing, recovery, and auto transport

Lines of business written: Workers Compensation

Additional capabilities

Munich Re America Corporation's primary insurance companies provide additional capabilities for our clients. American Alternative Insurance Corporation (AAIC) is an insurance company domiciled in Delaware. AAIC is a subsidiary of Munich Re America Corporation and an affiliate of Munich Reinsurance America, Inc. The company is an admitted insurer in all 50 states and the District of Columbia. The company writes predominantly commercial lines insurance.

The Princeton Excess and Surplus Lines Insurance Company (PESLIC) is an insurance company domiciled in Delaware. PESLIC is a subsidiary of Munich Re America Corporation and an affiliate of Munich Reinsurance America, Inc. PESLIC is admitted in Delaware and operates on a surplus lines basis in all other states and the District of Columbia. The company writes commercial lines insurance as permitted by the surplus lines laws in the states in which it is authorized. Business can be accepted only from licensed surplus lines brokers.

Contact

Contact us to learn more about our custom solutions.

Client portal: Specialty Markets

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