Western Networked Insurance Services
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Transcript of Western Networked Insurance Services
Western Networked Insurance Services
“Put Networked Insurance Agents Program Team to work for you”
John S. EricksonJohn S. Erickson
Vice President Commercial ProgramsVice President Commercial Programs
WNIS Expanding WNIS Expanding CapabilitiesCapabilities
Professional Liability Business Directors & Officers, Employment Practices Directors & Officers, Employment Practices
LiabilityLiability Fiduciary, Crime, Kidnap Ransom Coverage Fiduciary, Crime, Kidnap Ransom Coverage Technology and Miscellaneous E&OTechnology and Miscellaneous E&O Health Care and Life Sciences E&OHealth Care and Life Sciences E&O
Excess & Surplus Lines Business Property, General Liability Commercial PackageProperty, General Liability Commercial Package Garage, Umbrella/Excess, Liquor LiabilityGarage, Umbrella/Excess, Liquor Liability Special Events CoverageSpecial Events Coverage Environmental and Pollution LiabilityEnvironmental and Pollution Liability DIC Earth Quake, WindDIC Earth Quake, Wind High value & Hard to place HomeownersHigh value & Hard to place Homeowners
Program Development & Management
Directors & Officers LiabilityDirectors & Officers Liability Community AssociationsCommunity Associations Publicly Traded CompaniesPublicly Traded Companies Health Care OrganizationsHealth Care Organizations Non-Profit OrganizationsNon-Profit Organizations Privately Held CompaniesPrivately Held Companies Personal DirectorsPersonal Directors Including:Including:
Entity LiabilityEntity Liability Third Party LiabilityThird Party Liability Markets for “hard to place” risksMarkets for “hard to place” risks
Employment Practices Employment Practices LiabilityLiability
Broad range of eligible groupsBroad range of eligible groups Community AssociationsCommunity Associations Publicly Traded CompaniesPublicly Traded Companies Health Care OrganizationsHealth Care Organizations Non-Profit OrganizationsNon-Profit Organizations Professional FirmsProfessional Firms Privately Held CompaniesPrivately Held Companies Including:Including:
Loss prevention tools & resourcesLoss prevention tools & resources Markets for “hard to place” risksMarkets for “hard to place” risks
Crime and Fiduciary Crime and Fiduciary LiabilityLiability
Primary and excess limits availablePrimary and excess limits available Crime coverage can include:Crime coverage can include:
Broad definition of “Employee”Broad definition of “Employee” Loss Sustained or Discovery basedLoss Sustained or Discovery based Blanket ERISA Fidelity coverageBlanket ERISA Fidelity coverage
Fiduciary coverage can include:Fiduciary coverage can include: Coverage of HIPAA violationsCoverage of HIPAA violations Coverage for 502 and 503 penaltiesCoverage for 502 and 503 penalties Defense inside and outside limitsDefense inside and outside limits
Technology and Internet Technology and Internet Errors & Omissions Errors & Omissions
CoverageCoverage Mono line coverage for small to large Mono line coverage for small to large
commercial commercial businesses.businesses. Consulting and Information Tech firmsConsulting and Information Tech firms Cyber, Media and Advertising Liability Cyber, Media and Advertising Liability Computer & Electronic ManufacturersComputer & Electronic Manufacturers Hardware / Software DevelopmentHardware / Software Development Web site Design and HostingWeb site Design and Hosting Internet Service Provider’sInternet Service Provider’s Active Server Page DevelopmentActive Server Page Development
Miscellaneous ProfessionalMiscellaneous 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 Architects, Engineers, Land Surveyors ProfessionalSurveyors Professional
Design-Build contractorsDesign-Build contractors Specialty Construction consultants Specialty Construction consultants Environmental consultantsEnvironmental consultants GeologistsGeologists Mechanical engineersMechanical engineers HVAC engineersHVAC engineers Interior DesignersInterior Designers Landscape ArchitectsLandscape Architects Communication EngineersCommunication Engineers
Insurance Agents Insurance Agents Professional LiabilityProfessional Liability
Competitive Program for retail agentsCompetitive Program for retail agents Group credits availableGroup credits available Will accept new ventures with experienceWill accept new ventures with experience Can write P&C and Life agenciesCan write P&C and Life agencies Coverage options includes defense Coverage options includes defense
outside limitsoutside limits Admitted and non-admitted marketsAdmitted and non-admitted markets Difficult to place accounts can be Difficult to place accounts can be
consideredconsidered
Sexual Misconduct LiabilitySexual Misconduct Liability
Up to $10 million coverage limit available Up to $10 million coverage limit available for sexual misconduct or molestation. for sexual misconduct or molestation. $15,000 minimum premium$15,000 minimum premium World wide coverageWorld wide coverage Defense and settlement within limitsDefense and settlement within limits
Schools, Religious Organizations, Camps, Schools, Religious Organizations, Camps, Child Care Centers, Counseling Services, Child Care Centers, Counseling Services, Foster Care Services, Recreation Centers, Foster Care Services, Recreation Centers, Hospitals, Nursing Homes, others.Hospitals, Nursing Homes, others.
Health Care ProfessionalHealth Care Professional Primary and Medical Malpractice forPrimary and Medical Malpractice for::
Home Health Care & Nurse StaffingHome Health Care & Nurse Staffing Laboratories / Diagnostic FacilitiesLaboratories / Diagnostic Facilities Physicians & Health Care PractitionersPhysicians & Health Care Practitioners Medical Treatment FacilitiesMedical Treatment Facilities
Hospitals, Clinical Testing, Dialysis Hospitals, Clinical Testing, Dialysis Centers, Halfway Houses, Medical Centers, Halfway Houses, Medical registry services, Rehabilitation Servicesregistry services, Rehabilitation Services
Miscellaneous Medical Classes for:Miscellaneous Medical Classes for: Acupuncture, audiologist, counseling service, Acupuncture, audiologist, counseling service,
dietician, healthcare consultant, massage dietician, healthcare consultant, massage therapist, physical therapist, safety & health therapist, physical therapist, safety & health consultant, speech therapist, etc.consultant, speech therapist, etc.
Sampling of WNIS MarketsSampling of WNIS Markets Beazley USA C.N.A Lexington Lloyd’s Travelers Zurich Chubb Hartford Monitor Liability Great American Fireman’s Fund
OneBeacon Philadelphia AIG Crum & Forster American Safety ACE Western
Heritage Century Surety CIBA Chubb Custom C.N.A
Schinnerer
Binding Authority ClassesBinding Authority Classes Property, General Liability, Package, Garage, Property, General Liability, Package, Garage,
Liquor 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 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 GroupRisk Retention Group Apartments & CondominiumsApartments & Condominiums
$500 Million Capacity $500 Million Capacity Office, Warehouse, Commercial Properties, Office, Warehouse, Commercial Properties,
Shopping Malls, (HPR or Non-HPR)Shopping Malls, (HPR or Non-HPR) $500 Million Capacity$500 Million Capacity
Collective Liability (no need to purchase an Collective Liability (no need to purchase an excess liability policy) $75 Million Limitexcess liability policy) $75 Million Limit
Strictly “A” rated insurance carriersStrictly “A” rated insurance carriers Comprehensive “all risk” special coverageComprehensive “all risk” special coverage Many other additional featuresMany other additional features Eligible states, CA, AZ, CO, NV, WAEligible states, CA, AZ, CO, NV, WA
Environmental LiabilityEnvironmental Liability Contractor’s pollution liability - covers third-party
claims 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.
Professional environmental consultants liability - 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/HailDIC Earthquake, Wind/Hail The DIC (Earthquake Peril) PolicyThe DIC (Earthquake Peril) Policy is available is available
for both building owners and tenants of for both building owners and tenants of commercial buildings. 13 Western States, commercial buildings. 13 Western States, including Alaska, California, Oregon, Utah, and including Alaska, California, Oregon, Utah, and Washington. Washington.
The NPCP (Wind/Hail Only) PolicyThe NPCP (Wind/Hail Only) Policy helps helps businesses recover from damage caused by wind businesses recover from damage caused by wind and/or hail and other perils. Florida, Georgia, and/or hail and other perils. Florida, Georgia, Hawaii, Louisiana, Texas, and Virginia.Hawaii, Louisiana, Texas, and Virginia.
The DIC (Wind/Hail Perils) PolicyThe DIC (Wind/Hail Perils) Policy is available is available for both building owners and tenants of for both building owners and tenants of commercial buildings. Alabama, Mississippi, New commercial buildings. Alabama, Mississippi, New Jersey, North Carolina, and South Carolina. Jersey, North Carolina, and South Carolina.
Market Segment ProgramsMarket 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 High Value & Hard to Place HomeownersHomeowners
HO-3 HO-3 Brush and unprotected propertiesBrush and unprotected properties Primary, secondary, seasonal and Primary, secondary, seasonal and
rentalsrentals $1,000 min. prem.$1,000 min. prem. Earthquake availableEarthquake available
HO-4/6HO-4/6 Builders Risk, Vacant DwellingsBuilders Risk, Vacant Dwellings Personal Articles FloatersPersonal Articles Floaters Excess FloodExcess Flood ““A” rated marketsA” rated markets
WNIS Placement WNIS Placement SpecialistsSpecialists
Professional Liability
Terri Amick Terri Amick (530) 274-6962(530) 274-6962
Teri Hulvey Teri Hulvey (530) 477-3913(530) 477-3913
John Erickson John Erickson (530) 274-(530) 274-69926992
Surplus Lines
Cyndi Gabbard Cyndi Gabbard (866) 398-9588(866) 398-9588
David Boge David Boge (530) 477-3910(530) 477-3910
Victoria Edson Victoria Edson (530) 477-3914(530) 477-3914
Email Addresses:
[email protected]@networkedins.comm
Western Networked Western Networked Insurance Services Insurance Services
“When it’s outside the box, contact WNIS”
Send applications to:[email protected]