Holiday Products
Hundreds of Insurance Products
Our professional staff has the ability to access a broad range of domestic, international specialty and surplus lines insurance products. Underwriters will make every effort to tailor coverages, provide options and negotiation to provide competitive terms for a broad range of products.
Apartment Buildings
Artisan Contractors
Boat Service & Repair
Homeowners HO-3
Mold and Pollution Contractors
Restaurants, Nightclubs, Bars & Taverns
Retail Store Packages
Shopping Centers, Malls, Parking Lots
Truckers Moving & Storage Facilities
Tenant Occupied Dwellings
Condos & Homeowners Associations
Caterers, Bakeries
Dry Cleaners, Coin Laundry
Auto Repair and/or Used Car Dealers
Vacant Buildings
Day Care Centers
Manufacturers
Schools
Valet Parking
Lessors Risk Liability
Commercial Property and Windstorm
Service Stations & Convenience Stores
Umbrella & Excess Liability
Social Clubs
Workers Compensation
OCP, Builders Risk, Vacant Property
Personal Umbrella, CPL
DIC Wrap Around Citizens Guidelines
Monoline Dealers Physical Damage
Monoline Garage keepers Legal Liability
Mobile Service Operations
Monoline Plate Glass Coverage
Internet Retailers
and so much more...
Pest Control Program
Florida Commercial General Liability [Link]
Product Lines...
- Commercial Property
- Commercial General Liability
- Garage Coverage, GKLL/DOL
- Liquor Liability (Monoline or Package)
- Commercial Auto Liability
- Auto Physical Damage
- Primary, Excess, Target Personal Umbrella
- Comprehensive Personal Liability
- Pollution, Mold Industry Product
- Environmental Product Lines
- Commercial Inland Marine
- Commercial Umbrella and Excess Liability
- Workers Compensation
- Monoline Plate Glass Insurance
- Miscellaneous Professional Liability
- High-Value Homeowners H0-3
- Marine Lines and more...
Ocean Marine and more...
ProvidIing a "one-stop shop" for all of your marine insurance needs by offering a product array for both Ocean and Inland Marine risks available in a comprehensive single policy to meet the unique needs of an individual account.
Marine General Liability
- Marina Operators Legal Liability
- Ship Repairer's Legal Liability
- Marine Contractor's Legal Liability
- Stevedore's Legal Liability
- Wharfinger's Legal Liability
- Terminal Operator's Legal Liability
Optional Coverage Available
- Liquor Liability
- Commercial Property
- Inland Marine
- Dock Physical Damage
- Protection & Indemnity
- Boat Dealers Inventory
- Hull Builders Risk
- Cargo, Hull, Marine Liabilities
Commercial Auto
Product Information (Click-Here)
- Non-fleet and fleets up to 10 units
- Private Passenger, light/medium trucks
- $1,000,000 CSL Comprehensive/Collision, UM, PIP, Personal use considered
- Local to intermediate radius of operation
Featuring a broad appetite, service-oriented claims personnel and ISO based broad coverage. ACORD submissions should include documented and favorable loss experience. Sucessful accounts include Artisan Contractors, light manufacturing, retail business and service industries. Contact us to day for competitive quote.
Email: quotes@firestoneagency.com
A.M Best "A" XI Rated Carrier
Restaurants and Bars [Link]
- General Liability
- Property
- Liquor Liability
- Umbrella/Excess available
- Assault and Battery
- All risk coverage (Bldg & Contents)
- Replacement Cost Valuation
- Signs and Glass
- Off Premesis Power Failure
- Accounts Receivable
- Valuable Papers and Fine Arts
- Food Spoilage
- Crime
- Equipment Breakdown
DIC Coverage
Difference in Conditions (DIC) Wrap Around Citizens Insurance Company. This is a Florida only program it is designed to to wrap around the Florida Citizens Insurance Company Policy, (Basic with Wind), to upgrade coverage to Special Cause of loss.
Property that is older than 25 years requires the following updates:
- Roofs updated within the past 25 years
- Plumbing must be copper or PVC
- No Polybutylene plumbing.
- Prior water damage claims.
- CS Alarm required when offering theft on non habitational occupancies.
Minimum Deductible is $1,000
Minimum Premium is $500
Property & Inland Marine
- Rental Dwellings/Habitational
- Grocery Stores/Retail Stores
- Furniture Manufacturing
- Commercial Buildings
- Stereo & Electronics Stores
- Auto Parts & Supplies Stores
- Bailee's Customers Goods
- Canopies & Awnings Gasoline Pumps
- Fine Arts Outdoor Signs
- Crime Coverage
- Transportation Money/Securities
- Spoilage Coverage
- Valuable Papers (on and off premises)
- Plate Glass Windows
- Accounts receivable
- Software/Media Data Processing
- Peak Season Endorsement
- Builders RiskVacant Dwellings
- Restaurants, Bars & Taverns
- Outside Signs
- Monoline Plate Glass (ebusiness)
- Ordinance or Law
- Equipment Breakdown
Property Brokerage
- Large Strip Malls
- Large Commercial Buildings
- Educational Institutions
- Elder Care Facilities
- Business Personal Property
- Health Care Facilities
- Hotels & Motels
- Buildings Under Renovation
- Mercantile/Retail Municipal
- Rental Dwellings Office & Vacant Buildings
- Shopping Centers
- New Construction
Excess & Umbrella
We are pleased to provide Commercial Umbrella and Excess products for a broad range of risks. We offer both supported and unsupported commercial umbrella and excess liability insurance to the small / middle market on a non-admitted basis with capacity up to $5,000,000. Underwriting focus is on a variety of industry segments including hospitality, manufacturing, real estate, restaurant, retail, service, construction and wholesale risks with limited auto liability exposures.
The lead umbrella product is typically written with a minimum attachment point of $1,000,000. The Excess Liability Product is offered on both a lead and excess basis with attachment points from $1,000,000 up to a $10,000,000. All underlying carriers for the umbrella and excess product must carry an A.M. Best Rating of A- (VII) or better
- Unsupported Comml Umbrella Program
- Condominium/Homeowners Associations
- Property Owners
- Excess Garage Liability
- Educational Institutions
- Retail/Wholesale Operations
- Excess Motor Truck Cargo
- Food/Beverage
- Manufacturers & Providers
- Low/Medium Hazard
- Commercial Manufacturing
- Commercial Contractors
Our Excess Express product facility is designed for markets including small to medium sized operations using over 350 ISO classifications.
In-house authority with emphasis on retail, habitational, hospitality and small contractors. Excess Liability $0 SIR, Umbrella Liability $10,000 SIR, Limits to $5 million over GL, AL and EL. Request optional terms or contact us for a fast indication.
Excess Express products require underlying $1/1/1 minimum primary policy limits through an A.M. Best A-V rated carrier or better. GL ISO Occurrence only. Contact us for additional Excess Express information and our other excess and umbrella products
Contractors Equipment
- Automatic Diagnostic Equipment
- Cranes Draglines
- Backhoes
- Farm Tractors
- Forklifts
- Scoopmobiles
- Graders
- Shovels
- Jackhammers
- Loaders
- Tractors
- Mixers
- Pumps
- Unscheduled Tools and Equipment
- Welders
- Scrapers
- Test Measurment Equipment
- Bulldozers
- Compressors
Casualty Brokerage
- Manufacturers of Auto Parts
- Non-Habitational Real Estate/
- LRO Service Industries
- Retail/Hotel/Restaurant including Liquor
- Contracting Bleacher Manufacturer
- Auto Parts Assembly
- Mercantile
- Electrical
- Rehab/Service
- Farm/Lawn Equipment Import
- Habitational
- Furniture Import
- Airbag Manufacturer
- Sporting Goods Import
- Modular Home Dealer
- Boat Manufacturer
- Mattress Manufacturer
- Fire Escape Ladder Import
- Textile Machinery Distributor
Motor Truck Cargo
including long-haul or local moving companies, household goods, heavy equipment, autos and a wide range of commodities considered.
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Nationwide Radius
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New Ventures
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Single unit to large fleets.
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Scheduled or reporting basis depending on fleet size.
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Ability to write Excess of Loss, to provide limits to $1,000,000.
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Terminal Coverage available
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Ability to issue MTC Federal and/or State filings on Lloyds paper.
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Multiple Domestic and International specialty programs.
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'Trip Transit' Coverage available.
Commodities including but not limited to: - Paper Goods
- Automobiles
- Auto Parts
- Produce
- Boats
- Cheese
- Stone and Cement
- Chemicals
- Clothing
- Seafood
- Computers
- Dry Freight
- Wood Chips or Sawdust
- Eggs
- Electronics
- Poultry
- Frozen Food
- Furniture
- Sand and Gravel
- Gas Products
- Household Goods
- Steel Livestock
- Lumber
- Tires
- Heavy Machinery
- Meat
Builders Risk and Vacant Property
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3, 6, 9, or 12 month terms
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Windstorm coverage available
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Optional endorsements
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Renovations
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New construction
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Competitive pricing
Product Information (Click-Here)
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
- Windstorm Mitigation Consultants
Employee Benefits Liability
Coverage is available for a broad range of classifications within our in-house bind authority.
- We must write the General Liability in order to offer this coverage.
- Claims-made basis using ISO Employee Benefits Liability Coverage.
- Retroactive Date will be the effective date coverage is first written with us.
- On renewal policies offering this coverage we may use the original retro date as long as there has been no lapse in coverage from the date we first offered the Employee Benefits Coverage.
- Can consider risks over 100 employees
Wind Mitigation Risks
A marketing opportunity is available in the State of Florida as respects Wind Mitigation Consultants. The State of Florida may be requiring professional coverage with minimum limits of $500,000 in order to conduct operations.
We can consider terms in the premium range of $1,300 to 1,400 depending on deductible.
Contact us for more information.
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New Markets • New Products
Admitted and Surplus Lines Markets A.M. Best 'A-Rated' or better. | Product Assistance
- Commercial Property including Windstorm or Hail
- Commercial General Liability
- Garage Coverage, GKLL/DOL, Non-Dealer Service and/or Dealer Form
- Liquor Liability (Monoline or Package) [Link]
- Commercial Auto [Link] | Monoline Auto Physical Damage
- Primary, Excess and Target Personal Umbrella Products
- Primary and Excess Comprehensive Personal Liability
- Pollution, Mold and Environmental Contractors and Industry Products [Link]
- Commercial Inland Marine Lines | Motor Truck Cargo | WLL | Contractors Equipment
- Unsupported Commercial Umbrella and Excess Liability Products
- Florida Workers Compensation
- Monoline Plate Glass Insurance
- Miscellaneous Professional Liability (Monoline or Package)
- High-Value Homeowners H0-3
- Marine Contractors | Marine Lines and more...
Environmental Industry, Mold and Pollution Products
Services tailored to meet your needs. Click-Here for more information
- Contractors and Consultants Commercial General Liability (Defense outside the limits of insurance)
- Contractors Pollution Liability Coverage (Occurrence basis, no exclusions for asbestos, lead, mold)
- Consultants Professional Liability Coverage (No exclusions for asbestos, lead, silica or mold)
- Blanket AI wording, Blanket Waiver of Subrogation, Primary & Non-Contributory Wording available
We simply understand Garage Coverage.
$750.00 Annual Minimum Premium | Florida Dealer and Non-Dealer Service Risks
- 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
- Retail & Wholesale dealerships
- Max Loss Limit $5,000,000 monoline
- Excess of Loss markets
- Classic & Antique Auto Dealers
- Van & Limosine Conversion
- Navigation System Installation
- Heavy Truck Sales & Repair
- Mobile Auto Detailing
- Auto Paint & Body Repair
- New & Used Auto Dealers
- Emergency Vehicle Dealers & Repair
- Consignment Sales
- Motorcycle Sales & Repair
- Valet Parking (Submit)
- Diagnostic Centers
- Auto Upholstery & Trim
- Lube and Oil Shops
- New & Used Tire Shops
- Mobile Auto Service
- Wheel Alignment
- Auto Alarm and Stereo Installation
The following additional coverages and limits are also available:
- Additional Insured - Primary, Non-Contributory
- Assault and Battery Buyback
- Employee Benefits Liability Coverage
- Higher Limits - Dealers Open Lot (Maximum Limit $5M)
- Higher Limits - Garagekeepers (Maximum Limit $5M)
- Higher Limits - Liability (Maximum Limit $5M)
- Higher Limits - Per Vehicle (Maximum Per Vehicle Limit $250,000)
- Incidental General Liability Classes
- Liquor Liability Buyback (Convenience Store Class)
Florida Workers Compensation
Providing insurance solutions for small to mid-size employers.. Our target account has premiums ranging from $500 to $500,000 across all major industry groups. We strive towards providing a stable, long-term market.
- Individual Account Underwriting
- High Mods Acceptable
- Multiple Underwriting Carriers
- New Ventures Eligible
- Flexible Payment Options (including Monthly Self Reporting)
Examples of Ocean Marine Risks:
ProvidIing a "one-stop shop" for all of your marine insurance needs by offering a product array for both Ocean and Inland Marine risks available in a comprehensive single policy to meet the unique needs of an individual account.
Marinas, Storage, Rental and more...
Moorage, Storage, Hauling/Lauching, Repair, Fueling, Stores including risks that have Campgrounds, Lodging, Restaurants, Pools, Beaches, Watercraft Rental, Recreational Facilities and Shipyards.
Boat Dealers
Boat Show Liability, Manufacturers Representatives, On-water Demonstrations and Inventory Physical Damage on New and/or Used Watercraft and Accessories. Care, Custody & Control coverage on Consignment Watercraft. Recreational Equipment Sales, Sporting Goods and ATV.
Marine Contractors
Cleaning & Detailing, Painting, as well as Engine, Hull, Electrical, Rigging Installation, Service & Repair risks that include automobiles and/or recreational vehicles. Also, Surveyors, Ships Agents, Consultants, Ship Chandlers. Non-Marine construction related worksuch as docks, decks, water tower painting and landscaping.
Boats and Marine Product Manufacturers
Operating, Port Risk, Awaiting Sale, Repossessed, Under Refurbishment. Excursions, Fishing Guides, Corporate Use, Non-Standard Personal Use, Work Boats, Tugs, Barges, Bed & Breakfast, Ferries, Rental Boats, Water Taxis, Charity Boats.
Marine Products Manufacturers, Research & Development, Prototypes, Course of Construction, Finished Products Waiting Sale or Delivery, Demonstrations.
Marine Special Events
Poker runs, Municipality Waterfront Clean-Up Days, Dinner Cruises, Boat Parades, Fishing Tournaments,Boat Shows, Charity On-Water Events and more.
Difficult to Place Marine Risks
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. [Link]
We have access to excellent, A+ rated facultative reinsurance markets to provide additional capacity. We strive for fourty-eight (48) hour turn-around time on quotes when complete underwriting information is received.
We represent markets for property policies that meet our underwriting profile as long as we obtain adequate rates for the exposure. However, we would like the supporting general liability coverage where it is available and within our profile. We will package any type of risk where all coverages requested are acceptable to us. We can write Property, General Liability, Crime and Inland Marine under the same common Declarations.
We typically write Business Income Coverage on a coinsurance percentage or monthly limitation basis. If any other basis is desired, we will consider acceptability and pricing prior to quoting.
It is imperative that the proper value for this coverage be determined.
This coverage is only available when written in conjunction with other property coverage (Building or Business Personal Property). The covered causes of loss must be the same as the Building or BPP.
Equipment Breakdown coverage is available as an extension to the property coverage part. Coverage is available for both building owners or tenants. We encourage you to make this important coverage available on all eligible property accounts as an option.
This coverage is available only when written in conjunction with BPP coverage. Refrigeration Maintenance Agreement is required.
We will consider writing Master Mortgage Monthly Reporting Policies. The purpose of this coverage is to provide Causes of Loss – Basic Form for lending institutions to protect their interest on residential properties on which loans have been made or on residential properties where they have full ownership interest. Contact Us.
Ordinance or Law is an exclusion found in each of the three ISO causes of loss forms. Losses which arise out of the enforcement of building laws or ordinances, including those that may require the demolition of damaged structures, are not covered. Contact Us.
Peak season coverage is available for those risks experiencing seasonal increases in their inventories. We will consider offering this endorsement in conjunction with acceptable Business Personal Property coverage.
Inland Marine, Contractors Equipment, 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.
- Leased and Rented Contractors Equipment considered.
- Accounts Receivable is available when written in conjunction with other property coverage.
- Bailee’s Customers Goods (Inland Marine)
- Contractors Miscellaneous Tools (Inland Marine)
- Electronic Data Processing Systems (Inland Marine)
- Personal Article Floaters
- 'Installation Coverage' (also known as an installation floater) typically applies to the property of the insured while in transit, at the construction site or while being installed, as long as the property is intended to become a permanent part of a building, structure or project. It may also apply to property intended for the construction project while at other sites, such as temporary storage.
- 'Trip Transit' Coverage is available for property of the insured while in transit. Coverage applies to one designated shipment, from point of origin to destination. Coverage is available only when written in conjunction with other property coverage.
- Valuable Papers And Records (Inland Marine)
Coverage is available when the limited coverage provided in the building and personal property form is not sufficient to meet the needs of the applicant for valuable papers and records; e.g., blueprints, manuscripts, deeds or everyday business records.
Coverage may be provided on a scheduled or blanket amount basis for the applicant’s own property or property of others in the applicant’s care, custody or control.
- Warehousemans Bailees Legal Liability Coverage (Inland Marine) is available for warehouse operations desiring legal liability coverage for damage to property of others in the insureds care, custody or control while at the designated premises. Coverage may be written monoline or in conjunction with other general liability or property coverage
Commercial Auto Physical Damage
- No limitation of TIV, but maximum loss limit afforded to $5,000,000.
- Single units to large fleets
- Trailer Interchange, hired auto & Towing/Storage coverage.
- Commercial Vehicles, Target Commodities
- Unlimited Radius of Operations
- Major MVR violations/youthful DOB considered,
- Optional endorsements and competitive pricing
Personal Umbrella and Comprehensive Personal Liability
Excess & Target Personal Umbrella Limits to $10,000,000
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 $10 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.
Primary Umbrella
Underlying Requirements
- CPL: $300k CSL
- Auto: $250/500/100
- Rentals: $300k CSL
- Watercraft: $300k CSL (Higher limits may be required for larger watercraft)
– Will accept youthful drivers with 250/500/100 limits
– Accept DUI’s, alcohol related violations
– Over 70 years – no medical required
– Named Insured Can Be: Individual, Trust, Estate or LLC
- Underlying carrier rating must be B+V or better
- ATV’s, Motorcycles, Mopeds, Snowmobiles (underlying limits of 250/500/100 requiredsame as auto)
Excess Umbrella
- Excess over another carrier’s umbrella
– Following form of underlying umbrella
Target Umbrella
Program for high-profiled individuals such as actors, sport personalities, musicians etc.
Underlying Requirements:
- CPL: $300k CSL
- Auto: $250/500/100 (Risks With 100% surcharge will require $500/500/100)
- Watercraft: $500 CSL or $500/500/100.
– Personal injury is not automatically included, but may be bought back with approval
Comprehensive Personal Liability (CPL)
– Will accept risks with Dobermans, Pitbulls, Rottweillers (they will be excluded)
– Dog bite history (animal will be excluded)
– Rental units
– Course of construction (need certificate of insurance from contractor)
– Vacant land
- Named insured - Individual, Trust, Estate or LLC
– $1,000 per person medical included (may not be increased)
– $250 per occurrence deductible
Excess Comprehensive Personal Liability
– Excess over another carrier’s primary CPL
– Carrier must be B+V or better
- Same guidelines as CPL
Farmers Personal Liability
– Limits: $100k, $300k, $500k, & $1 million.
– Small farms in Individuals Name, Estate, Trust or LLC
– Additional insured’s may be added for the designated premises only
– Ineligible farms: tobacco, horses raised or used for racing, freezing or dehydrating, supply commodities for manufacturing or processing by insured
– $250 property damage liability deductible
– $25,000 chemical drift limitation
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. Click-Here for more information
Financially Strong A.M. Best A-Rated Surplus Lines Carriers
Commercial General Liability
We are looking for General Liability business to support our Property line. We target our mix of business to be 70% General Liability business and 30% Property business. We provide you with markets for a wide variety of General Liability classes. We have binding authority for over 700 classes of the 1,152 ISO classifications. Brokerage facilities can handle over 130 classifications and we will entertain more than 100 additional classes on a submit basis.
Our general liability capacity is typically $5,000,000 per Occurrence / General Aggregate / Products/Completed Operations Aggregate, $5,000 Medical Payments and $100,000 Damage to Premises Rented to You/ per Fire and we represent markets supported by the highest rated reinsurers in the marketplace.
Products and Completed Operations Hazard
We provide coverage for the products/completed operations in conjunction with the premises and operations exposure. In addition can consider monoline products coverage.
Individual risks may be considered on a submit basis. Brochures, labels or material data sheets are helpful when submitting these risks for review.
Abuse or Molestation Coverage for eligible classifications
Assault or Battery Limited Coverage
Employee Benefits Liability
Coverage is available only in conjunction with other general liability coverage.
Employee Benefits Liability provides coverage for liability arising out of errors or omissions in the administration of an employee benefits plan. Failure to enroll an eligible employee in the plan is a common example of covered errors and omissions.
Hired & Non-Owned Auto Liability
Coverage is available to risks where employees occasionally use an automobile while running an errand in the course of normal business operations of the applicant.
The following types of risks are acceptable:
Apartments.
Homeowner, condominium and townhouse associations.
Mercantile risks; e.g., retail stores, grocery stores, etc.
Office with on-premises employee’s only (no field exposure).
Restaurants that do not cater or deliver.
Service occupancies – light hazard; e.g., beauty salons, barbershops, exercise studios, tanning salons, etc.
Coverage is provided as an endorsement to the Commercial General Liability (CGL) Coverage Part and therefore not available on a monoline basis.
Professional Liability - Occurrence Form
We may elect to offer professional liability in conjunction with the Commercial General Liability coverage for certain classifications under our Professional Liability – Occurrence Form Programs.
Coverage is not mandatory and may be excluded. Limits of liability are within, and not in addition to the Each Occurrence and General Aggregate Limit. Coverage is written on an Occurrence basis, with defense costs outside of the limits of insurance.
Professional Liability
Featuring a broad appetite and authority for 30+ additional MPL classifications. Using our new MPL Rapid Rater and custom quote forms, underwriters are prepared to offer superior service and accurate terms including optional coverage buybacks such as Claims Expenses in addition to the limit of liability, discrimination, punitive damages, first dollar defense and copyright trademark infringement. Contact us today. info@firestoneagency.com
Miscellaneous Professional Liability may be written as a stand alone coverage or by adding a combination of either General Liability or General Liability and Property to create a package policy.
If written as a package, the policy will be issued on one policy with up to (3) separate coverage parts, each coverage part featuring it's own Declarations.
Crime Coverage
We will write limited crime coverages in conjunction with other property coverage (Building or BPP). The typical crime coverages we are willing to consider are:
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Form A Employee Dishonesty Covers on a blanket basis loss of money, securities and other property arising out of the dishonesty of employees.
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Form D Robbery and Safe Burglary/Property other than Money & Securities Covers robbery and safe burglary inside the premises and robbery of messengers outside the premises. This form insures only property other than money securities.
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Form E Premises Burglary Covers the taking of property due to a burglary of premises other than a safe or vault, and robbery of a watchman. Coverage is limited to property other than money and securities, and cannot be amended to include money or securities.
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Form H Premises Theft and Outside Robbery Covers Property inside the premises other than money and securities, against actual or attempted theft; and robbery of messengers outside the premises.
- Form Q Robbery and Safe Burglary/Money and Securities Covers robbery and safe burglary inside the premises and robbery of messengers outside the premises. This form covers only money and securities.
| Professional Liability Product Focus| New Classifications
New Classifications added to our Professional Liability product line...
- Arborist
- Pet Sitter
- Archaeological/historical preservation consultant
- Premium Finance Company
- Auctioneer (non real estate)
- Private Investigator Audit Service (non-financial)
- Relocation Service
- Business Manager
- Social Security Representative
- Cleaning Service
- Social Services (non-medical)
- Coding Service/Electronic Data Processing
- Sports Instructor
- Dance Instructor
- Tattoo Parlor
- Ergonomic Consultant
- Teacher
- Forensic Investigator
- Telemarketing Service
- Forestry Consultant
- Testing Service Fulfillment Service
- Third Party Administrator
- Green Building Consultant
- Traffic/Parking
- Consultant
- Lead Generation Service
New Technology Related Classes:
- Graphic Presentations and Design
- Hardware Evaluation, Installation, Maintenance and Repair
- Help Desk and Information Technology Support Services
- Information Technology Consulting
- Information Technology Staffing Services
- Information Technology Training and Education
- Project Management
- Software Installation and Integration
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
High-Value HO-3 Program +$400k
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
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