| Market |
AIG |
AmTrust |
| Website |
Click here |
Click here |
| Rating |
A |
A |
| States Available |
All but FL, NY, NJ, MA, ME and monopolistic |
All but monopolistic (Note: no NY contractor risks) |
| Submission Requirements |
Completed ACORD, eMod, minimum three years loss runs valued within 60 days, payroll/premium history, supplemental for contractors |
Completed ACORD, minimum three years loss runs valued within 90 days, eMod, payroll/premium history |
| Additional Requirements |
eMod up to1.79, minimum premium for non-construction $7500/construction $10k |
Must have at least two employees, need details of claims over $25k |
| Appetite |
Home health, assisted living, group homes, social services, manufacturing, pizza delivery, plumbing, HVAC, electrical, carpentry, wallboard, excavation, incidental delivery for manufacturers is okay, janitorial with no heights, concrete/stone cutting, non-emergency ambulance, towing if incidental to primary operation, armed security guards. |
Office exposures, auditors, IT, insurance, banks, attorneys (not personal injury), physician offices, real estate, inspection services, motion pictures, schools, retail stores, pharmacies, hardware, jewelers, florists, barber shops/salons, appliances, family bakeries, auto sales, grocery, light construction including electrical wiring within buildings, alarm and cable installation, carpentry, HVAC, fence erection, appliance installation, landscapers (no tree trimming), concrete flat work (only), masonry, plumbers, hospitality including restaurants (no 24 hours), country clubs, hotels, light manufacturing including hardware, lighting, clothing, furniture, electrical apparatus, instrument, pottery, precision shop, tool (not drop or machine forged) |
| General Exclusions |
No heights over 3 stories, no roofers, no steel erection, no asbestos, no trucking, no towing companies, no sewers, no seasonal workers, no aviation, no oil/gas, no explosives, no firearms, no tunnel, subway maintenance or construction, no hazardous materials, no General Contractors, no 24 hour operations such as convenience store or gas stations, no rock/quarries, no sandblasting, no logging. |
No heights, no roofing, no trucking, no concrete work, no towing, no weapons carrying, no mold/asbestos, hospitals, no home health, no drug rehab, no group homes, no sports, no dance, theater, adult entertainment establishments, no volunteers/interns must have coverage elsewhere, no farms or animals, no mining, no rock/quarry, no foundry, no welding, no electroplating, no aviation, no oil refineries, no gas/wel, no explosives/ammunition, no USL&H or other federal based exposures, temp/staffing firms, no tunneling, no mining, no sign erection, no logging or saw mills, no work below 4 feet below grade, no silica, cotton dust, coal dust, lead, no limo/taxi, buses, no General Contractors |
| Turnaround |
1 to 3 business days, depending on risk |
2 to 7 days |
| Market |
National Aviation Program (Amtrust) |
National PAYGO program (Markel) |
| Website |
Click here |
Click here |
| Rating |
A |
A |
| States Available |
All but monopolistic |
CA only |
| Submission Requirements |
Completed ACORD, Beacon Aviation Operations and/or Beacon Pilot supplemental apps, minimum three years loss runs valued within 90 days |
Completed ACORD, eMod, minimum three years loss runs valued within 90 days |
| Additional Requirements |
eMod 1.20 or lower, minimum premium $5k or $10k for flight schools, aviation exposure premium must be at least 50% of total premium |
Mod less than 1.20, premium less than $35k |
| Appetite |
Flight school, charters, fixed base operators, airline service companies, airport authority, private company jet (can write the pilot only) |
Office exposures, auditors, IT, insurance, banks, attorneys , physician offices, real estate, inspection services, schools, retail stores, pharmacies, hardware, jewelers, florists, barber shops/salons, appliances, family bakeries, auto sales, grocery, light construction, alarm and cable installation, carpentry, HVAC, fence erection, appliance installation, landscapers (no tree trimming), masonry, plumbers, hospitality including restaurants, country clubs, hotels, light manufacturing, lighting, clothing, furniture, electrical apparatus, instrument, pottery, precision shop, tool (not drop or machine forged) |
| General Exclusions |
No aerial firefighting, no aerial applicators (crop dusting), no helicopter operations, no search and rescue, no sky diving, no stunt flying |
No locations within Excluded zip codes (beginning with 900-918, 922-925, 928, 930, 935), no co-employment (PEO), no current lapse, no heights over 2 stories, no depths exceeding 4 feet, no travel radius exceeding 200 miles, no hazardous material handling, no subcontractor exposure in excess of 25%, no off-ground tree trimming. |
| Turnaround |
7 days |
24-48 hours |
