Commercial Advantage

A Division of Insured Solutions

Commercial Advantage is a division of Insured Solutions that offers a variety of commercial solutions to meet your needs, including general liability and EPLI on a pay-as-you-go basis.

Commercial Advantage PDF

General Liability

Artisan Contractors Minimum Premium $500
General Contractors Minimum Premium $1,250
Limits Up to $1,000,000 Per Occurance / $2,000,000 General Aggregate
15% Down Payment

EPLI

No Upfront Costs or Down Payments
$1,000,000 Annual Coverage Limit
$2,000,000 Aggregated Amount of Coverage
$25,000 Deductible

Workers' Compensation

Pay-As-You-Go
Innovative Risk Management
Exclusive Access to Markets For High-Risk Industries and High Mods
Claims Management

Commercial Advantage Carrier and Underwriting Guidelines

Market	Regional GL Paygo Program (Rockingham)
Website	Click here
Rating	A
States Available	All States Except AK, HI, IA, LA, NY, VA, WV
Submission Requirements	Completed ACORD, No Loss Letter in provided template. If prior coverage is needed, then loss runs must be provided.
Additional Requirements	$500 min premium for Artisan contractors, $1250 min premium for GC's.
Appetite	GC's (100% sub-contracted work), artisan contractors. Roofing is okay for residential.
General Exclusions	No heights over 3 stories, no scaffolding, no trucking, no condo development.
Turnaround	48-36 hours

Market	Regional UMB/Excess Paygo Program (McGowan)
Website	Click here
Rating	A
States Available	Nationwide
Submission Requirements	Completed ACORD 125 and 131
Additional Requirements	Copies of underlying coverage, Underlying carriers must be A- rated or better.
Appetite	Trade contractors, public/social services, manufacturers, garage, hospitality, retail, General Contractors, residential construction, educational, harvesting, janitorial, pest control, health clubs, real estate agencies, dairies, laundries, car washes, zoos, veterinarians, foundries, quarries.
General Exclusions	All industries not listed above.
Turnaround	3-4 business days

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