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Middle Market
Carrier Presentation
MARKETS
Amerisafe,
Atlantic Casualty, C.N.A.,
Cover X, Crum & Forster,
Delos, Employers Insurance
Group, Fairmont, Great American,
The Hartford, Liberty International,
One
Beacon, Safeco, Travelers,
Unitrin, The Zenith,
Zurich
REQUIRED
INFORMATION
-
Combined’s Middle Market Department typically works on a
3-4 week minimum
lead-time
(until the quote is needed, not necessarily the effective
date). Anything less than this narrows our market options and our chances of
producing a quote in time to make any price adjustments that may be needed.
-
Fully completed Acord applications for each line of coverage requested
(supplemental applications may be required for some risks).
-
Currently valued
loss runs for the three previous years
(five years preferred) are required for all submissions.
-
NCCI Experience Modifier worksheets are required
(if applicable) for all Workers' Compensation submissions
INFORMATION THAT HELPS
- When
is the quote needed?
-
Target premiums and/or expiring premiums if at all possible
- What
markets have been approached/Who is the competition?
Carriers
AMERISAFE (WC only)
Highlights:
-
High-hazard guaranteed cost coverage
-
Carrier claims administration and service
Territories:
- TX,
OK, AR, LA, KS, MO, MS, AL, GA, SC, FL, NC, TN, VA, KY, IL, IN, WI, MN, IA,
CO, NV, PA, MD, DE
Preferred Lead-Time: 3 weeks minimum
Minimum Premium: $75,000
Appetite Highlights:
-
Construction
-
Trucking
-
Oil/Gas
- Wood
Products Mfg.
-
Agribusiness
- USL&H
TOP
ATLANTIC
CASUALTY (GL in Texas)
Highlights:
- Fast
Turnaround
-
Online submission capability
Territories:
Preferred Lead-Time: 2 weeks
Appetite Highlights:
-
Contractors
-
Janitorial
-
Apartments
TOP
C.N.A. (all lines)
Highlights:
- Will
write property in Tiers 1 and 2
-
Online submission capability
Territories:
- All
but AK, FL, HI, MA, WA, WV
Preferred
Lead-Time: 2 weeks
Minimum Premium: $25k total
account (internal guideline)
Appetite
Highlights:
-
Large habitational risks (hotels, assisted living centers, etc.) – Property
only
-
Manufacturing Operations
-
Wholesale/Distributors
TOP
COVER X (General Liability and Excess only,
non-admitted)
Highlights:
-
Harder-to-place surplus GL exposures
Territories:
Preferred
Lead-Time: 3-4 weeks
Minimum Premium: $17,500 +
fees and taxes
Appetite Highlights:
-
Street/Highway Paving
-
Excavation
-
Oil/Gas Contractors
-
Apartment Complexes
-
Chemical Manufacturing
-
Machinery Manufacturing
TOP
CRUM &
FORSTER (all casualty lines)
Highlights:
-
Specializes in casualty risks (limited property appetite)
-
Standard and Surplus facilities
Territories:
Preferred
Lead-Time: 30 days
All coverages written on a
monoline basis only.
Minimum Premiums: $50k per
line for prop, GL, and auto; $25k for umbrella; $100k for WC (supported only)
Appetite Highlights:
-
General Contractors
-
Manufacturers
-
Wholesalers/Distributors
TOP
DELOS (Workers' Compensation only, TX only)
Highlights:
-
Worker’s Compensation for service and artisan contractors
-
Several premium installment options
Territories:
Preferred
Lead-Time: 2 weeks
Minimum Premium: $25k per
account (internal guideline)
Appetite
Highlights:
-
Masonry
-
Plumbers
-
Concrete Construction
-
Glaziers
- Pest
Control
TOP
EMPLOYERS INSURANCE GROUP (Workers' Compensation only)
Highlights:
- Capability to
automatically draft down payment from agent or insured’s bank account.
- Online submission
capability
Territories:
- AZ, CA, CO, FL, ID,
IL, MT, OR, TX, UT
Preferred Lead-Time: 2 weeks
Appetite Highlights:
·
Retail
·
Wholesale/Distributors
·
Restaurants
·
Office/Clerical
TOP
FAIRMONT
Highlights:
- Specialty appetite
for harder-to-place risks
Territories:
Preferred Lead-Time: 3-4 weeks
Minimum Premium: $25,000 per account
Appetite Highlights:
- Propane Dealers
- Fuel Oil
Dealers/Distributors
- Feed Mills/Lots
- Fruit/Vegetable
Distributors
- Fertilizer
Distributors
TOP
GREAT AMERICAN (General Liability, Umbrella only, non-admitted)
Highlights:
- Harder-to-place
surplus GL exposures
- Online umbrella
rating
Territories:
Preferred Lead-Time: 1-2 weeks
Minimum Premium: None
Appetite Highlights:
- Street/Highway Paving
- Excavation
- Oil/Gas Contractors
- Apartment Complexes
- Chemical
Manufacturing
- Machinery
Manufacturing
TOP
THE HARTFORD (all lines)
Highlights:
- Will quote monoline
Property, General Liability, Commercial Auto and Workers Comp
- Online submission
capability for Xpand accounts
Territories:
- All but AK,
FL, HI, LA, and Tiers 1 and 2
Preferred Lead-Time: 30 days
Appetite Highlights:
-
Wholesalers/Distributors
-
Wholesale/Retail/Office Lessor’s Risk Only
- Technology
TOP
LIBERTY INTERNATIONAL (General Liability Excess only, non-admitted)
Highlights:
- Harder-to-place
surplus GL exposures
Territories:
Preferred Lead-Time: 2-3 weeks
Minimum Premium: $25,000 + fees and taxes
Appetite Highlights:
- Street/Highway Paving
- Excavation
- Apartment Complexes
-
Machinery Manufacturing
- Chemical
Manufacturing
TOP
ONE
BEACON (package and auto)
Highlights:
- Will write package
accounts in Tiers 1 and 2
- Writes monoline
commercial auto
- Online submission
capability
Territories:
- AZ, CA, CO, GA, ID,
IL, MA, MD, ME, NC, NH, NJ, NY, OR, PA, RI, TX, VA, VT, WA,
Preferred Lead-Time: 2 weeks
Minimum Premium: $25k per account (internal guideline)
Appetite Highlights:
- Apartments
- Condominiums
- Hotels and Motels
- Office and Retail
Lessor’s Risk
- Restaurants
- Wholesalers/Distributors
TOP
SAFECO (all lines)
Highlights:
- Will quote monoline
Property, General Liability, Commercial Auto, and Workers' Comp (except
contractors, max. $25k premium)
- Will write property
in Tier 2
- Online submission
capability
Territories:
- All but AK,
FL, HI, LA (South of Alexandria), ME, WA, and New York City
Preferred Lead-Time: 30 days; 48-72 hrs when entered
online with require information
Minimum Premiums: $10k for any one line (prop, GL, umb);
11 power units for auto
Appetite Highlights:
- Restaurants
- Hotels (newer
construction)
- Automobile Repair
(light vehicles only)
- Food Products
Distributors
- Contractors Auto
TOP
TRAVELERS (all lines)
Highlights:
- Will write monoline
Property and General Liability on select risks, and large monoline Workers'
Comp
- Has a Tech Unit,
which writes very specialized risks
Territories:
Preferred Lead-Time: 30 days
Minimum Premium: $25k per account (internal guideline)
Appetite Highlights:
- Fine Dining
Establishments
- Grocery/Convenience
Stores
- Automobile Repair
(light vehicles only)
- Medical Instrument
Manufacturing
- Apartments/Condos
TOP
UNITRIN (Commercial Auto only, TX only)
Highlights:
- Automatically drafts
down payment from agent or insured’s bank account.
- Online submission
capability
Territories:
Preferred Lead-Time: 2 weeks
Minimum: 10 power units (internal guideline)
Appetite Highlights:
·
Livestock hauling
·
Truckers
·
Farmers and Ranchers
·
Couriers
TOP
THE ZENITH (Workers' Compensation only, TX-based only)
Highlights:
- Has complimentary
risk management services
- No direct-bill
installment fees
- Excels on accounts
with debit experience modifiers
Territories:
- TX-based (other
states considered, majority of payroll must be in TX)
Preferred Lead-Time: 2 weeks
Minimum Premiums: $25k for smaller accounts (internal
guideline); $40k for large accounts
Appetite Highlights:
- Manufacturing
Operations
- Artisan Contractors
- Country Clubs
- Apartment Complexes
- Restaurants
TOP
ZURICH (all lines)
Highlights:
- Will write property
in Tiers 1 and 2
- Writes monoline
Workers' Compensation in selected states (no contractors of manufacturers)
- Online submission
capability
Territories:
Preferred Lead-Time: 2 weeks
Minimum Premium: $25k per account (internal guideline)
Appetite Highlights:
-
Office/Retail/Wholesale Lessor’s Risk Only
- Private Schools
-
Wholesalers/Distributors
TOP
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