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Property & Casualty Programs
Builders Risk
Our fast track builders risk program is for commercial and residential construction. Limits up to $3,000,000 with same day turnaround. Higher limits varying by project.
Community Association
We offer coverages for Condominium Associations, Apartments, Affordable Housing, HOA’s, Low Income Housing, Mobile Home Parks, Nursing Homes, Resorts & Lodges. A comprehensive property and liability package that is designed specifically to meet the unique needs of these habitational communities.
Contractors
We offer customized coverage for your construction needs, writing primary, lead umbrella and excess liability for a broad array of businesses. Our objective is to provide an exceptional level of underwriting expertise and service that makes partnering with us both productive and rewarding.
Commercial & Residential Construction
- General Contractors
- Subcontractors
- Owners Interest
- Projects
- Wraps
- Rolling Wraps
- Contractors equipment floaters
Cyber, Tech & Media Liability
With modern day business often resulting in a convergence of risk around these liability disciplines, our unique approach to these coverages is designed to reduce potential coverage gaps.
Program is open to traditional media risks such as ad agencies, personal appearance, broadcasters, social media business and technology based business solutions companies with revenues within law, healthcare, finance, real estate and retail.
Technology
- Errors, omissions and negligent acts in the performance of services
- Failure of technology product to perform the function or serve the purpose intended
Privacy
- Failure of security of your computer system
- Disclosure of financial, healthcare or consumer information
Cyber Cover First Party Protection
- Loss of Digital Assets
- Non-Physical Business Interruption & Extra Expense
- Cyber Extortion
- Cyber Terrorism
- Security Event Costs
Cyber Cover Third Party Protection
- Network Security & Privacy Liability
- Employee Privacy Liability
- Electronic Media Liability
Drone
Our aerospace industry professionals have developed industry-specific “drone insurance” coverages that can be tailored to the specific needs of individual operators of unmanned aircraft.
Whether used for filming, surveying, recovery, delivery or as an interactive stadium experience you will find our professionals able to respond with a program solution.
Environmental Liability
Environmental impairment liability coverage to protect insureds from bodily injury, property damage, remediation expenses and other costs associated with the release of contaminants into the environment. Cover applies for a wide range of insureds including manufacturers, healthcare facilities, remediation contractors, petroleum distributors, general contractors and more.
- Contractors Environmental Coverage
- Contractors Environmental & Professional Coverage
- Premises Environmental Coverage
- Restoration Contractors
- Storage Tank Environmental Policy
Excess Management
Operating a business in today’s environment is challenging enough without having to worry about coverage for your client’s Directors & Officers. Litigation against a company’s management does not just affect large, public companies; it also affects small private companies. Many privately-held smaller companies may underestimate, or not even recognize, their need for such coverage.
- Directors, Officers and Organization Liability Insurance
- Employment Practices Liability Insurance
- Fiduciary Liability Insurance
- Crime Insurance
Excess Professional
Admitted and non-admitted capability. Limits up to $5,000,000 for same day underwriting. Higher limits through layered placement.
Sample Classes
- Technology
- Management Consultants (HR, marketing, Financial)
- Employment Agencies / Staffing Services
- Public Relations Firms
- Training
- Tax Preparers
- Security Consultants
- Medical Professionals & Laboratories
- Certified Public Accountants
- Architects & Engineers
- Home Inspectors
- Title Agents
- Commercial Real Estate Appraisers
- Insurance Agents
- Debt Collectors
Healthcare
Same day turn around limits available $1m – $5m for Excess Heatlhcare. Primary generally two business days.
Eligible classes:-
- Skilled Nursing Facilities
- Assisted Living Facilities
- Independent Living Facilites
- Supplemental Exposure – Home Health Visits & Adult Day Care
Mandatory Underlying Limits for Excess:-
- Professional Liability $1m
- Other permissible underlying coverage and minimum attachment:-
- General Liability $1m
- Auto Liability $1m
- Employee Benefits Liability $1m
- Employers Liability $500k
- Sexual Misconduct Liability $1m
- Others available upon request
Maximum Exposures:-
- 500 Licensed Beds
- 5 Locations
- PL/GL Losses up to $250,000
Outside limit exposures available on brokerage basis only
Submission Requirements:-
- Application
- Currently Valued Loss Runs
- Underlying quotes
Automatic referral to brokerage for Senior Apartments, Low Income Housing, Special Focus Facilities.
Homes
Capacity available in 22 states through various insurers. Both admitted and non-admitted capacity.
- Rental Dwellings
- High Value Homes
- Home Construction
- Vacant Buildings
- Vacant Land
Hospitality
Hotels, resorts, restaurants, casinos, bars, taverns sports bars, cafes, delis, pizza parlors, B&B, Dude & Guest Ranches, Fishing & Hunting Lodges, Guided Tours, Guides & Outfitters, Hunting Leases, Hunting Preserves, Rod & Gun Clubs, RV Parks & Campgrounds, Ranges, Snowmobile Tours to name a few of the eligible classes.
Lender protection
Specialty Insurance Partners Group provides lender linked insurance management of borrower default, accident risk, foreclosure, owner-controlled and contractor-controlled insurance programs, contract insurance management, professional liability, cyber and technology liability
CapitalRISK
⦁ Custom property and liability package
⦁ Automated reporting programs
⦁ Borrower default
⦁ Contractor risk
⦁ Insurance monitoring
LendPRO
⦁ Lender due diligence risk
⦁ Mortgage bankers blanket bond, professional servicing and origination liability
⦁ Related service providers such as appraisers, attorneys, property managers, tech companies, designers and developers
TechGUARD
⦁ Custom continuous cyber risk management
⦁ Technology liability and business interruption review and program design
AssetSURE
⦁ Builders risk
⦁ Rental property
⦁ Vacant property
⦁ Operating risk
WhiteLABEL
⦁ Contact Ken Quiat to discuss direct connect online data capture and quoting options
Life Sciences
Our Life Sciences products are managed through our subsidiary Green Rock Life Sciences. This division was founded to deliver innovative risk management products and insurance program management to the Life Sciences community.
Liquor
Our liquor liability product not only insures all types of hospitality risks – including hard to place bars and nightclubs – but offers assault & battery coverage without sub-limit. ($100,000/$300,000 sub-limit on adult clubs)
Manufacturing
Our team works to provide package options to suit the specific needs of manufacturers. Certain classes are available on a quick quote basis while others are rounded out with package markets. The following specialty manufacturing related products are written by our programs team to complement brokerage packages:-
- Product Recall
- Product Liability
Marijuana
Green Rock Life Sciences is a specialist placing division of the Belpointe Specialty Insurance Partners Group, a licensed insurance broker and delegated programs underwriter.
Green Rock Life Sciences was founded to deliver innovative risk management products and insurance program management to the life sciences community and is a partner in developing opportunities and facing the business challenges of the cannabis and medical marijuana industry.
Green Rock taps its market relationships established over the last 15 years and flexes that on behalf of its clients to deliver accessibility to cover with risk transfer for all practitioners.
Misc. Professional Liability
We offer several innovative and competitive professional liability products for smaller businesses. Our brokerage team handles excess towers for heightened risk profiles such as Lawyers, Architects & Engineers, Accountants and Medical Professionals.
Preferred Classes
- Technology
- Management Consultants
- Employment Agencies / Staffing Services
- Public Relations Firms
- Training Services
- Tax Preparers & Bookkeepers
Music & Movie
Solutions for the entertainment industry delivered by Green Rock:-
- Short Term Production Insurance
- Production Portfolio Insurance
- Annual Dice Production Insurance
- E&O Insurance
- Event Insurance
- Event Cancellation Insurance
- Movie Boat
- Foreign Productions
- Multimedia Production E&O
- Promoters
- Vendors & Exhibitors
- Entertainment Equipment Floater
- Recording, Editing, Pre / Post Production Studios
- Rental Houses
- Shell Corp
- Builders Risk
- Travel Accident
- Stunt Accident
Non-profit management
We offer competitive pricing on broad coverage for a wide array of non-profit organizations:-
Preferred Classes
- Social Service / Welfare Organizations
- Charities
- Professional / Trade Associations
- Foundations
- Religious Organizations
- Private Schools
- Healthcare Related Institutions
- Chambers of Commerce
- Membership Organizations
Under brokerage we offer:-
A combination of Large Non-Profit product offerings including Directors and Officers Liability, Employment Practices Liability, Fiduciary Liability, Crime Insurance, Business Travel, International Package, Kidnap & Ransom, Terrorism
Professional Liability
We write a wide range of classes on a same day basis and broker hard to place risks like Lawyers, Accountants and Design Led specialty lines. Below are the classes eligible for our Programs division.
CONSULTING SERVICES
- Consulting / Freelancers
- Management Consulting
- Marketing
- Research
- Regulatory
EDUCATION SERVICES
- Career Coaches
- Grant Writers
- Technical Writers
- Corporate Trainers
- Translators / Interpreters
- Tutors
MANAGEMENT LIABILITY
- For Profit
- Not For Profit
- Employment Practices Liability
GENERAL BUSINESS SERVICES
- Tax Preparers and Bookkeepers
- Travel Agents / Passport Services
INSURANCE SERVICES
- Claims Adjusters
- Loss Control / Safety
- Consultants
- Medical Billing / Coding
LEGAL SERVICES
- Arbitrators / Mediators
- Court Reporters
- Public Notary
- Paralegals / Legal Assistants
- Process Servers
MEDIA SERVICES
- Ad Agency
- Event Planners
- Photographers
- Printers
- Public Relations
- Graphic Design
- Website Designers
- Media Services with Website Programming
PROPERTY / REAL ESTATE
- Draftsman
- Escrow Agents
- Interior / Exterior Design
- Landscape Design
- Property Managers
- Property Preservation Specialists
- Real Estate Agents / Brokers
- Real Estate Auctioneers
- Title Abstractors
- Title Agents
TECHNOLOGY SERVICES
- Document Managers
- Computer Support
- Help Desk Technicians
- Programmers
- Technology Based Specialty Applications
- DigiTech Enterprise Risk Management
- Cyber Enterprise Risk Management
Public Officials
Comprehensive public official’s liability and employment practices liability designed for a wide array of public entities and their officials, employees, commissions, and boards.
- Admitted and non-admitted capacity
- Definition of insured person includes officials, employees, commissions, boards and volunteers, ODL coverage for 401(c) 3 and tax-exempt entities
- Third party EPL coverage
- Crisis management coverage – including incapacity / death and indictment of Insured; funding cancellation, bankruptcy, employment event, and other material events
- Limits up to $5 million
- Preferred classes
- Public entities with revenues below $15 million
- Municipalities such as public, charter, private and vocational schools and community colleges
- District programs including pools
Schools
We understand the complex risks associated with educational establishments. Our programs team write a wide range of enrichment school and associated professional classes. Our brokerage division handles large educational institutions.
Security
We underwrite our security consulting, PI and guard accounts in detail to ensure the correct rating splits are used. Unlike many other programs, we are able to cover international exposures and will ensure use of force enhancements are there when needed. Hired & non-owned auto is available under our international section and we write business auto for US based operations.
Eligible risks include:-
- Technology security consultants (we add our tech E&O coverage)
- Security Consulting, training, assessments and contract management
- Bodyguard, armored escort and international transport
- Business Intelligence services
- Counter Intelligence
- K&R
- Armed/Unarmed security guard and private investigation and detective firms
- Armored car
- Residential and commercial alarm system installation and monitoring
- CCTV, access control and communication system installation
- Low-voltage and electrical wiring services
- Personal Emergency Response Systems
Sport
We keep adventure enthusiasts on their adventure with programs that work hard for individual needs. Solutions are delivered in partnership with Green Rock Insurance:-
- Accident & Disability for Participants
- Accident & Disability for Spectators
- Technology, Media & Cyber for Service Providers
- Sports Event & Operators Package Liability
- Organizers & Officers Liability
Tank Liability
Underground and above ground storage tank insurance.
- Admitted in 48 states for AST/UST (excludes Kentucky & Tennessee)
- Policy / certificate satisfies federal and / or state requirements for financial responsibility (where applicable)
- Customized storage tank risk control services
- Limits from $500,000 per occurrence to $5 million
- Preferred classes:-
- Airports
- Auto Dealerships
- Commercial Industrial Facilities, such as:-
- Gas Stations
- Convenience Stores
- Manufacturing Plants
- Municipalities
- Hospitals
- Schools, Colleges, Universities
Tech E&O, Cyber & Privacy
Cyber risks are enterprise risk issues that require enterprise risk management solutions:-
- Broad definition of a technology incident
- No minimum premiums
- Cyber crime coverage available
Transportation
We are able to deliver E&S round out and certain admitted solutions to Transportation risks:-
FLEET COMMERCIAL AUTO – LIABILITY & PHYSICAL DAMAGE (NON-TOWING AND TRANSPORTATION RISKS)
Antique Auto. Auto Daily Rental. Business Auto Fleet. Franchised Motorcycle Dealerships, Interim Liability & Physical Damage. Leasing Primary Insurance. Lessors Contingent / Excess Liability. Rental Package. School Bus Contractor.
AUTO PHYSICAL DAMAGE ONLY (TRANSPORTATION LONG AND SHORT HAUL
Commercial & Private Passenger. Long & Short Haul Operations. Single Units to Large Fleets. Trailer Interchange, Hired auto & Towing / Storage Coverage. Ability to write coverage on a scheduled or reporting basis depending on fleet size. No limitation on Total Insured Value but maximum loss limit afforded $2.5m. Minimum Premium $2,500
MOTOR TRUCK CARGO
Wide range of Commodities considered. Single unit to large fleets. Ability to write coverage on a scheduled or reporting basis depending on fleet size. Full value limits up to $250,000. Ability to write Excess of Loss to provide Total Sum Insured up to $1m. Terminal coverage available. Ability to issue State filings. Minimum premium MTC $1,500 Minimum Premium Excess of Loss $1,250.
DEALERS OPEN LOT – USED AUTO (CAT AND WHOLESALE)
Max loss limit $5m, and the ability to access excess of loss markets
JEWELRY AND FINE ARTS – FLOATERS AND SPECIALTY BOND PLACEMENTS
Wide range of markets for both personal, commercial and entertainment industry
CONTRACTORS EQUIPMENT FLOATERS
No limitation on Total Insured Value. Varying markets dependent on equipment and use. Max limit small contracting equipment $5m. Leased and rented equipment considered. Cranes, dozers, loaders, graders, excavators, backhoes, fork lift. Minimum premium $1,000
UTILITY CONTRACTORS
Brokerage service of energy, mining, solar, transfer station and the specialist contractors that serve those industries.
Travel
Comprehensive travel marketing assistance and click-quote-and-bind delivered through our partner Green Rock Insurance:-
- Business Travel
- Group Accident
- Special activity & occupation
- Annual Trip
- Group Single Trip
- Trip Cancellation
- Travel Medical
- Kidnap & Ransom
- Automated Marketing Commission Pick up under Producer Area Partnerships
Umbrella
Offered on both an Admitted and Non-Admitted basis:-
- Preferred Classes
- Commercial Trade Contractors
- Distributors
- Homeowner / Town Home Associations
- Hospitality: Hotels, Motels etc.
- Manufacturing
- Real Estate: Apartments, Vacant Land, LRO Buildings etc.
- Restaurants
- Retail
- Service
- Limits $1 million – $10 million
- Maximum attachment point $25 million
- Minimum premium first layer – low hazard $750, medium hazard $900, mid-high hazard $1,500
- Maximum Exposures
- Payroll $5m
- Revenue Exposure $15m
- Revenue Exposure for all contractors $5m
- Restaurants: up to 50% liquor
- Land: 10,000 acres
- Apartments: 300 units
- Real Estate 1.5 million sq ft
- Dwellings 150
- Vehicle fleet: 25 vehicles with no more than 10 extra heavy trucks
- Restrictions
- Commercial Contractors in CO, NY, SC
- Residential Contractors in AZ, CA, FL, NV, TX, WA
