Small Commercial

October 21, 2008

Philadelphia Insurance Companies Blankets Niche Markets

Have you felt the frustration of trying to cover niche clients such as home healthcare, entertainment or non-profits and come up with no offers? If so, you're not alone.

Niche businesses can be difficult to cover because they're out of the mainstream and don't have as extensive a history as other organizations. Fortunately, some carriers make it their business to take on niche markets and serve them with uncommon enthusiasm and skill.

One of our favorites is Philadelphia Insurance Companies, a leading provider of competitively priced products for niche markets that range from boat dealers to museums, from schools and churches to pro sports teams. They also write general lines, excess, D&O, E&O, crime and fidelity. And yes, they have auto for daycare centers.

Philadelphia offers an ever-expanding line of products with some of the industry's most innovative coverage for today's unique risk exposures. Recent additions include diverse offerings including Health, Fitness & Wellness, Business Auto Fleet, Guides & Outfitters, Adoption, Volunteer Fire Departments, Substance Abuse Rehabilitation Facilities and Performing Arts. The full portfolio includes:

Accountants Professional Liability
Adoption Agencies
Allied Health Professional Liability
Amateur Sports
Antique, Collector Car
Apartments
ATV Tours
Auto Leasing Interim Liability and Physical Damage
Auto Leasing Lessors Contingent/Excess Liability
Auto Leasing/Rental Program
Auto Liability and Physical Damage-Leased Commercial Fleets
Auto Liability and Physical Damage - Car Rental
Bed & Breakfasts
Boat Dealers
Bowling Centers
Builders' Risk
Business Auto Fleet
Camp Operators
Campgrounds and Recreational Vehicle Parks
Colorado Mortgage Broker Program
Condominium Associations
Consulting Foresters
Cover-Pro (Misc. Professional Liability)
Crime Protection Plus
Dance Studios
Day Care Centers
Day Spas
Dude & Guest Ranches
Employed Lawyers Professional Liability
Employment Practices Stand Alone
Entertainment
Excess Liability
Fairs and Fairgrounds
Festivals
Fishing & Hunting Lodges
Fitness Studios
Golf and Country Clubs
Gymnastics
Health, Fitness and Wellness
Home Health Care
Homeowners Association and PUD
Hospice
Hotels
Hunting Leases
Hunting Preserves
Martial Arts Studios
Medical Facilities and Hospitals
Mental Health Counselors
Mental Health Organizations
Miscellaneous Professional Liability
Mobile Home Park Owner
Motorsports
Museums
Non-Profit and Social Service Organizations
Non-Profit D&O (Flexi Plus Five)
Nursing Homes
Office Parks
Other Outdoor Insurance Programs
Outdoor Recreation
Outfitters & Guides
Performing Arts
Pilates Studios
Private Company D&0
Public Entities
Real Estate Schedules
Religious Organizations
Resorts & Lodges
Rod & Gun Clubs
RV Parks & Campgrounds
Schools: Private, Academic and Vocational
Shooting Ranges
Shopping Centers
Snowmobile Tours
Special Events
Sports & Recreation
Substance Abuse Rehabilitation Facilities
Tenant Users Liability Insurance Protection (TULIP)
Trade Associations (Affinity Pro Portfolio)
Trap, Skeet & Sporting Clay
Volunteer Fire Department
Whitewater Rafting Tours
Yoga Studios
Zoos

Philadelphia requires complete submission to quote including, but not limited to, currently valued loss runs for the current year, plus three years prior, as well as completed ACORDS and Philadelphia supplemental, unless a specific Philadelphia application is required. Quote turn-around time usually is 3-5 days.

To learn more about the full range of Philadelphia Insurance Companies products, contact Michelle Shelton, at 1-800-275-3193, or email mshelton@combinedgroup.com.