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Unsupported Commercial Umbrella Program Information

Underlying Carriers must have a current rating of A-(V) or better. Policy limits up to $5,000,000 are available over underlying insurance policies written only on ISO Simplified Occurrence Coverage Part CG 00 01 (10/01 or later) or equivalent.

  • Self Insured Retention - $10,000 minimum
  • Policy Term - Annual
  • Policy Concurrence - All Unsupported Commercial Umbrella policies must be written concurrent with both the underlying General Liability and if applicable the Professional Liability policies for not more than a term of one year.

Minimum Underlying Coverage Limits -

  • General Liability:
  • $1,000,000 Occurrence
  • $2,000,000 General Aggregate
  • $1,000,000 Products Aggregate*
  • Automobile Liability $1,000,000 Each Acc/Occ
  • Professional Liability $1,000,000 Each Claim
  • Liquor Liability $1,000,000

*For some products driven accounts, we may require a Products Aggregate of $2 million.

Satisfactory completed, signed Penn-America Commercial Umbrella Application PA01-425 or an ACORD Application is required. Complete underlying carrier and current premium information is required for underwriters to consider terms. Underlying Carriers must have a current rating of A- (V) or better. Submissions: quotes@firestoneagency.com

 

Miscellaneous Professional Liability

 

  • Advertising Services
  • Libraries
  • Alarm Monitoring Services
  • Licensing Services
  • Answering Services
  • Literary Agents
  • Arbitrators, Judges & Mediators
  • Management Consultants Associations
  • Marine Surveyors Auctioneers /
  • Auction Houses
  • Marketing Consultants
  • Billing Agents
  • Mechanical & Maintenance Services
  • Bookkeepers
  • Meeting Planners
  • Brokers
  • Notaries
  • Public Business Brokers/Managers
  • Outplacement Services
  • Chimney Sweeps
  • Paralegals
  • Claims Adjusters & Administrators
  • Pension / Actuarial Consultants
  • Collection Agents
  • Photographers
  • Computer Services / Data Processors
  • Planners Consultants
  • Polygraph Operators
  • Contest Managers
  • Premium Finance Companies
  • Construction Managers
  • Printers & Publishers
  • Court Reporters
  • Private Investigators
  • Counselling Services
  • Project Managers
  • Credit Bureaus
  • Process Servers
  • Productions / Media Design Consultants
  • Property Appraisers
  • Dating Agencies
  • Property Managers
  • Database Managers
  • Public Relations Firms
  • Electrical Design Services
  • Real Estate Agents –
  • Brokers Employment Agents
  • Real Estate Appraisers
  • Engineers Researchers /
  • Referral Services
  • Escrow Agents
  • Safety Engineers
  • Executive Recruiters
  • Security Services
  • Farm Managers
  • Forensic Analysts
  • Social Service Agencies
  • Food Inspectors
  • Sports Agents
  • Fashion Services
  • Surveyors
  • Franchisers
  • Tax Preparers
  • Freight Forwarders
  • Telephone Answering Services
  • Geologists Telecommunication
  • Consultants
  • Graphic Designers
  • Testing Labs
  • Human Resource Consultants
  • Title Abstractors
  • Inspectors
  • Title Agents
  • Insurance Brokers
  • Training Consultants
  • Interior Designers
  • Translators
  • Travel Agents
  • Jewelry Appraisers
  • Trustees
  • Landscape Architects
  • Warranty Administrators /
  • Agents Learning Services
  • Xerographers

Product Information

and Recent Accounts And Most Written Classes of Business 2008

 

  • Non-Franchised Used Car Dealers
  • Artisan & General Contractors
  • Restaurants
  • Hotels & Motels
  • Heavy Truck Sales & Repair
  • Environmental Contractors & Consultants
  • Bars, Taverns, Nightclubs
  • Apartments & Condos
  • Valet Parking
  • Excess Liability
  • Lessors Risk Liability

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.

 

 

New! Garage Coverage Program

$750.00 Minimum Policy Premium | Used Car Dealers & Non-Dealer Service Risks


  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. 

 

 

Monoline Liquor Liability

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

Financially Strong A XV A.M. Best-Rated Surplus Lines Carrier

 

 

 

 
 
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