Additional News and Product Information...

Recent accounts written through our Excess & Umbrella markets:
Fire/Security Alarm Installer Sprinkler Systems & Fire Extinguishers $4,500.00 | Strip Shopping Center Area of 53,810 Square Feet $3,096.00 | Contractor Erects & Repairs Decking $16,600.00 | Auto Service Muffler & Exhaust Repair $7,650.00 | Contractor Cable & Phone Line Construction $4,000.00

Recent accounts written in our Construction Contractor markets:
Contractor Hotel New & Renovation Construction $25,000.00 | Residential Siding $22,000.00 Contractor Insulation $31,000.00 | Contractor Excavation $25,000.00 | Residential Contractor Town House Construction $42,000.00 | Fire/Security Alarm Installer Sprinkler Systems & Fire Extinguishers $4,500.00 | Erection & Repair Decking $16,600.00 | Cable & Phone Line Construction $4,000.00

Recent accounts written through our General Liability markets:
Window Installer (Claims Made) Residential $10,808.00 | Vacant Building $1,530.00 | Restaurant/Lounge Gentlemens Club $46,632.00 | Demolition Contractor Commercial & Residential Buildings $16,216.00 | General Contractor (Claims Made) Residential $16,524.00

Recent accounts written through our Property markets:
Warehousemens Legal Liability Freight Forwarder of Dry Goods $7,650.00 | Condominiums 84 Residential Units $8,534.00 | Nightclub For Special Events & Private Parties $3,492.00 | Manufacturing Automobile Stereo Parts $10,165.00

And so much more...

High-Value HO-3 Program +$500k

Florida High-Valued Homeowners HO3, typically we will consider risks where coverage A is over $500,000. Property up to $20,000,000 any one policy. Personal Liability up to $2,000,000. Medical Payments up to $10,000 any one policy.

In addition to these, we can quote vacant dwelling, tenant occupied and condo risks. Vacant and tenant occupied risks would be on a DP3 form with premises liability. Frame risks including windstorm will be considered only in the Florida pan-handle area.

Windstorm coverage is available for "preferred" risks in the Florida tri-county area including masonry construction risks build post 1994.

Minimum Policy Premium is $1,500.00

To obtain an indication/quotation we require the following information:

• A signed and dated application/proposal form.
• Minimum of 3 years loss experience.
• Expiring Insurers terms and conditions (if known).
• On Builder's Risks, we will require confirmation of Contractors Insurance.

Garage Coverage

1. New and Used Car Dealers, Wholesalers, Motorcycle Dealers

2. Auto Repair, RV Dealers, RV Repair, Auto Parts Sales, Valet Parking

3. Truck Repair, Mobile Auto & Service, Auto Auctions, Trailer Hitch Install

4. Gas Stations with Auto Repair/ Convenience Store, LPG, Auto Glass

5. Auto Body and Paint Shops, Auto Stereo and Alarm Install/Sales

6. Full Service Car Wash, New & Used Tire Dealers, Trailer Dealers

7. New! SCOOTERS, TANKER TRAILERS, DUMP & BUCKET TRUCKS, etc

Program Features: 

1. Garage Liability Coverage Limit from $30,000 to $1,000,000/$2,000,000

2. Uninsured and Underinsured Motorist Coverage Limit up to $1,000,000

3. Garagekeepers Coverage up to $1,000,000 Per Loc/ $150,000 Per Auto

4. Specialty Vehicles

Binding Authority

1. DUI Drivers & Youthful Drivers, Major Violations including Speeding

2. Flat “Trip Charge” instead of permanent drive away radius extension

3. No surcharge for New Ventures

4. No automatic exclusion for “Used Parts”

5. Boat Service “in-water” (not just ashore)

6. Reduced Rating Unit for non-employee furnished an auto

Email Submissions: quotes@firestoneagency.com

A fully completed MUSIC Garage Application is critical to getting the best quote from us.

We simply understand Garage Coverage.

Dealer & Non-Dealer Service risks, Garage Liability, GKLL, DOL, Broadened & optional coverage, unlimited radius, dealers E&O, false pretense, broadened coverage, specialty vehicle sales and repair, heavy trucks, trailers, motorcycles, scooters, RV's, and more. Valet parking, mobile service operations. In-house binding authority. $750,00 MP.

[Link]

• Garage Liability
  • Used Auto and Truck Dealers
  • Auto Service & Repair Shops
  • Motorcycle Dealers and Repair Shops
  • Valet Parking on-street/on-road driving
  • Tow Truck Operations including On Hook
• Garage Keepers Legal Liability
  • Comprehensive Coverage, Inside Storage Credits
• Dealers Open Lot
  • DOL including Windstorm Hail
  • Unlimited Radius, Furnished Auto Use
• Commercial Auto Physical Damage
• Truckers General Liability
  • Storage and warehouse facilities
  • Blanket Additional Insureds

Commercial Property - Got Wind?

We represent carriers supported by the highest rated reinsurance in the industry. Multiple windstorm markets, competitive pricing. Habitational, mercantile, vacant property. Special Form, tri-county windstorm, DIC and excess windstorm coverage. Property Brokerage facilities available. ACORD applications accepted.

• Hundreds of Classes of Business
• Inhouse Binding Authority
• Condominiums, Apartments, Hotels
• LRO Buildings
• Shopping Centers
• Builders Risks
• Ordinance or Law
• Boiler and Machinery
• Property Enhancement Endorsements
• Windstorm Hail Coverage

Motor Truck Cargo including long-haul or local moving companies, household goods, heavy equipment, autos and more. nationwide radius, new ventures, driver violations, optional coverage. Domestic and international specialty programs. Trip Transit Coverage available. Contact us.

Commercial Auto Physical Damage commercial vehicles, unlimited long-haul radius, major MVR violations considered, optional endorsements and competitive pricing at $750.00 MP. Truckers CGL and Motor Truck Cargo Coverage available.

Inland Marine & Contractors Equipment including all-risk coverage, multiple programs, miscellaneous unscheduled tools and equipment, competitive pricing $750.00 MP. Warehousemens Legal Liabiity, Personal Article Floaters, and more...

Personal Umbrella & CPL Programs

Excess & Target Personal Umbrella Limits to $5,000,000

with MVR violations considered. Fast Turnaround.

Our personal umbrella products include both personal umbrella and personal excess on an individual risk basis. Through our facilities, we can provide coverage up to $5 million for standard risks and $5 million for non-standard accounts, including people in high profile occupations.

We bring flexibility, creativity and solutions for your clients that have:

• Different underlying carriers for homeowners and automobile ( subject to acceptable A.M. Best rating) 
• Risks with youthful operators or driving violations
• Risks with recreational vehicles, including ATVs, boats, and snowmobiles
• Other special situations

Liquor Liability - Monoline or Package

Monoline or package terms, assault & battery options for hard-to-place risks. Nightclubs, Bars & Taverns. Convenience Stores, Beverage Stores and more.

• Occurrence Policy Form
• Defense Costs in Addition to Limit
• No Deductible or SIR
• Aggregate Limit Applies Per Location
• Additional Insured-Employees Included
• Assault & Battery Buyback Available
• Limits up to $1 million/$1 million available

Builders Risk & Vacant Property

3, 6, 9, or 12 month terms, windstorm coverage, optional endorsements,

renovations and new construction, competitive pricing. [Link]