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Western Networked Insurance Services “Put Networked Insurance Agents Program Team to work for you” John S. Erickson Vice President Commercial Programs
WNIS Expanding Capabilities § § § Professional Liability Business § Directors & Officers, Employment Practices Liability § Fiduciary, Crime, Kidnap Ransom Coverage § Technology and Miscellaneous E&O § Health Care and Life Sciences E&O Excess & Surplus Lines Business § Property, General Liability Commercial Package § Garage, Umbrella/Excess, Liquor Liability § Special Events Coverage § Environmental and Pollution Liability § DIC Earth Quake, Wind § High value & Hard to place Homeowners Program Development & Management
Directors & Officers Liability § § § § Community Associations Publicly Traded Companies Health Care Organizations Non-Profit Organizations Privately Held Companies Personal Directors Including: § § § Entity Liability Third Party Liability Markets for “hard to place” risks
Employment Practices Liability § § § § Broad range of eligible groups Community Associations Publicly Traded Companies Health Care Organizations Non-Profit Organizations Professional Firms Privately Held Companies Including: § § Loss prevention tools & resources Markets for “hard to place” risks
Crime and Fiduciary Liability § § Primary and excess limits available Crime coverage can include: § § Broad definition of “Employee” Loss Sustained or Discovery based Blanket ERISA Fidelity coverage Fiduciary coverage can include: § § § Coverage of HIPAA violations Coverage for 502 and 503 penalties Defense inside and outside limits
Technology and Internet Errors & Omissions Coverage § § § § Mono line coverage for small to large commercial businesses. Consulting and Information Tech firms Cyber, Media and Advertising Liability Computer & Electronic Manufacturers Hardware / Software Development Web site Design and Hosting Internet Service Provider’s Active Server Page Development
Miscellaneous Professional § § § Consultants, Freight Forwarder Real Estate & Mortgage Brokers Media Liability – advertising, publishing Managers – property, asset, farm, hotel Travel Agents & Tour Operators Employment & Temporary Help Agencies Claims – adjustor, appraiser, investigator Lawyers & Employed Attorneys Training – educator, counseling, coaching Court clerk , mediator, lobbyist, executor Accountant, bookkeeper, tax preparer Hundreds of additional eligible professional classes
Architects, Engineers, Land Surveyors Professional § § § § § Design-Build contractors Specialty Construction consultants Environmental consultants Geologists Mechanical engineers HVAC engineers Interior Designers Landscape Architects Communication Engineers
Insurance Agents Professional Liability § § § § Competitive Program for retail agents Group credits available Will accept new ventures with experience Can write P&C and Life agencies Coverage options includes defense outside limits Admitted and non-admitted markets Difficult to place accounts can be considered
Sexual Misconduct Liability § § Up to $10 million coverage limit available for sexual misconduct or molestation. § $15, 000 minimum premium § World wide coverage § Defense and settlement within limits Schools, Religious Organizations, Camps, Child Care Centers, Counseling Services, Foster Care Services, Recreation Centers, Hospitals, Nursing Homes, others.
Health Care Professional § Primary and Medical Malpractice for: § § § Home Health Care & Nurse Staffing Laboratories / Diagnostic Facilities Physicians & Health Care Practitioners Medical Treatment Facilities § Hospitals, Clinical Testing, Dialysis Centers, Halfway Houses, Medical registry services, Rehabilitation Services Miscellaneous Medical Classes for: § Acupuncture, audiologist, counseling service, dietician, healthcare consultant, massage therapist, physical therapist, safety & health consultant, speech therapist, etc.
Sampling of WNIS Markets § § Beazley USA C. N. A Lexington Lloyd’s Travelers Zurich Chubb Hartford Monitor Liability Great American § Fireman’s Fund § § § § § One. Beacon Philadelphia AIG Crum & Forster American Safety ACE Western Heritage Century Surety CIBA Chubb Custom C. N. A Schinnerer
Binding Authority Classes Property, General Liability, Package, Garage, Liquor § § § § § Adult Day Care Center Alarm Installation Amusement Centers/Rides Auto Dealers New / Used Auto Parts and Supplies Auto Repair Shops Auto Body and Paint Shops Bazaars/Flea Markets Bars, Taverns, Restaurants Campgrounds Caterers Clubs - Swimming / Racquet Convenience Store/Mini Mart Contractors - Residential Contractors – GC’s, Roofing Day Care Centers Day Camps & Sleep In Debris Removal § § § § § Demolition Contractors Employment Agencies Equipment Rental Excavating/Grading of Land Contractors Garbage, Refuse Collecting Gas Stations Hunting Clubs Landscaping Motorcycle Dealers & Repair Pest Control Service Recycling Collection Centers Special Events Coverage Tire Dealers Truck / RV Dealers & Repair Security and Patrol Agencies Vacant Buildings & Land Welders
Large Account Capabilities § § General Liability § Virtually any product liability risk--from paper goods to firearms, beverages to chemicals, toys to swimming pools -and the risks in between. Primary general liability, lead umbrella, follow-form excess liability. Property § Difficult to Place classes and Catastrophe Exposures, Auto Phys Damage, Motor Truck Cargo, Builder’s Risk, Chemical, Energy, Municipalities and Institutions, Tier 1 Wind Exposures, DIC
Risk Retention Group § § § § Apartments & Condominiums § $500 Million Capacity Office, Warehouse, Commercial Properties, Shopping Malls, (HPR or Non-HPR) § $500 Million Capacity Collective Liability (no need to purchase an excess liability policy) $75 Million Limit Strictly “A” rated insurance carriers Comprehensive “all risk” special coverage Many other additional features Eligible states, CA, AZ, CO, NV, WA
Environmental Liability § Contractor’s pollution liability - covers third-party claims § Professional environmental consultants liability - caused by pollution events arising out of covered operations. § Professional consultants liability - provides liability arising out of acts, errors or omissions during the rendering of professional services by a named insured. combines the element of errors and omissions coverage with contractor’ pollution liability coverage. § Environmental services package policy - combines general liability, pollution and professional liability all in one seamless product. § Environmental casualty coverages - include the general liability, workers compensation, business auto, excess liability and contractors protective liability.
DIC Earthquake, Wind/Hail § The DIC (Earthquake Peril) Policy is available for both building owners and tenants of commercial buildings. 13 Western States, including Alaska, California, Oregon, Utah, and Washington. § The NPCP (Wind/Hail Only) Policy helps businesses recover from damage caused by wind and/or hail and other perils. Florida, Georgia, Hawaii, Louisiana, Texas, and Virginia. § The DIC (Wind/Hail Perils) Policy is available for both building owners and tenants of commercial buildings. Alabama, Mississippi, New Jersey, North Carolina, and South Carolina.
Market Segment Programs § § California Beverage Dealers Program Concrete Cutters Program Education Insurance Program § Private primary K-12 schools and colleges with less than 10, 000 § Property, GL, WC, Auto, Umb, Abuse and Molestation Social Services Program § Adoption, Foster Care agencies, Community Services § Professional, Property, GL, Auto, Umb, Abuse and Molestation
High Value & Hard to Place Homeowners § § § HO-3 § Brush and unprotected properties § Primary, secondary, seasonal and rentals § $1, 000 min. prem. § Earthquake available HO-4/6 Builders Risk, Vacant Dwellings Personal Articles Floaters Excess Flood “A” rated markets
WNIS Placement Specialists Professional Liability Terri Amick (530) 274 -6962 Teri Hulvey (530) 477 -3913 John Erickson (530) 274 -6992 Surplus Lines Cyndi Gabbard David Boge Victoria Edson (866) 398 -9588 (530) 477 -3910 (530) 477 -3914 Email Addresses: firstname. [email protected] com