Specialty Insurance

BKCW Insurance offers more than 700 insurance products over and above the coverages sold by most independent agencies.

Filter Results by Coverage Name (Use the first letter of any coverage title)

Category Coverages

Complete Event Protection

Events, both small and large, can take many unexpected turns. Risk exposure for clients include interruptions, problematic weather, and liability. This Category of specialty insurance coverage includes four important policies: Special Event Liability, Event Cancellation, Weather Insurance, and Prize Indemnity. Whether you're planning a wedding, a hole-in-one grand prize at a tournament, or a music festival for thousands, this is coverage you'll want to understand.

Complete Event Protection
  • Event Cancellation

    Be protected in case of sudden cancellation of your event due to unforeseen circumstances.

  • Prize Indemnity

    Prize indemnity insurance is indemnification insurance for a promotion in which the promoter pays a premium to an insurance company, which then reimburses the insured should a prize be given away.

  • Weather Insurance

    Event weather insurance protects against revenue losses from adverse weather conditions that reduce attendance and the sale of concessions, food and parking.


Flood Insurance

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff...

Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Most homeowners insurance policies do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.

Flood Insurance
  • Commercial Excess Flood Program

    Our Commercial Excess Flood Program provides coverage excess of an NFIP policy limit.

  • Commercial Primary Flood

    Philadelphia Insurance Companies (PHLY) understands that protecting your business assets from a flood is very important.

  • National Flood Program

    Philadelphia Insurance Companies (PHLY) is an authorized federal flood insurance writer, with flood programs available in all 50 states.


Sports and Recreation Insurance

Sports and recreation activities, including athletic events, athletes themselves and sports organizers all face unique exposures and risks. Sadler Sports and Recreation Company, a well-known provider and trusted resource in the sports and recreation insurance market, shares helpful information that can make a difference to those involved with sports and recreation programs, personnel and facilities.

Sports and Recreation Insurance
  • Sports and Recreation Insurance

    Instant insurance* for sports teams, camps, clinics, health clubs, studios. Offering Accident, General Liability, D&O, Crime, and Equipment.


OSHA

OSHA Logs is a secure, web-based application that enables employers to create each state’s first report of injury, track injuries, print all required OSHA reports, and view injury metrics in real-time. You can create OSHA logs instantly using any computers, tablet, or smartphone. Have an injury? Fill out one simple online form on any device in less than 4 minutes. No dual, triple or quadruple entry needed. All reports are created, including your state’s first report of injury. Automatically generate PDF versions of documents to print, share or email. Because the data comes from one data source, you’ll eliminate mistakes between the forms.
OSHALogs image
  • OSHA

    INJURY METRICS AT A CLICK OF A BUTTON


Individual Coverages

Accountants Professional Liability

Accountants Professional Liability

Aircraft Hull and Liability

Aircraft Hull and Liability

Antique and Classic Automobile Insurance

Antique and Classic Automobile Insurance

Apartment Complexes

Apartment Complexes

Cyberspace Liability

Cyberspace Liability

Directors and Officers Liability

Directors and Officers Liability

Employment Practices Liability

Employment Practices Liability

Errors and Omissions Liability

Errors and Omissions Liability

Fire Sprinkler Insurance

Fire Sprinkler Insurance

Flood Insurance

Flood Insurance

Marine Insurance

Marine Insurance

Outdoors Insurance

Outdoors Insurance

Real Estate Agents Errors and Omissions

Real Estate Agents Errors and Omissions

Roofing Insurance

Roofing Insurance

Special Events Liability

Special Events Liability

Specialty Insurance for Real Estate Investors

Specialty Insurance for Real Estate Investors

Technology Companies

Technology Companies

Title Insurance Agents Errors and Omissions

Title Insurance Agents Errors and Omissions

Additional Categories

Aircraft/Aviation

Aircraft/Aviation
Most coverage is written for general aviation, a diverse industry that includes all forms of flying except commercial airlines and military operations. The four major classes of aircraft owners/operators are industrial aid, business and pleasure, flying clubs, and fixed base operators.

Amusement Parks and Rides

Amusement Parks and Rides
Liability coverage protects the amusement park owner or fairgrounds operator against claims for bodily injury and property damage that arise from premises and operations at specific locations.

Animal Mortality

Animal Mortality
Animal Mortality is life insurance on domestic animals, livestock, and zoological animals. It covers death from any cause that is not excluded as well as voluntary destruction of animals for humane reasons when certified by a veterinarian. Also see Bloodstock Insurance, Livestock Mortality Insurance, and Birds (Exotic) Insurance.

Animal Rescue Operations

Animal Rescue Operations
Animal Rescues are volunteer operations with limited property exposures but with significant general liability, employee dishonesty, and directors and officer's exposures. There is an automobile exposure if the organization owns autos used to transport animals. There are also non-ownership exposures when volunteers transport animals on the organization's behalf.

Apartment Complexes and Condominiums

Apartment Complexes and Condominiums
The types of structures vary, ranging from multi-unit single story frame dwellings to high-rise buildings. Condominiums can present unusual and sometimes complex insurance problems with respect to property, liability, crime, and workers compensation coverages for the condominium buildings and operations.

Architects and Engineers, Professional

Architects and Engineers, Professional
This coverage protects individual architects, engineers, architectural firms, and engineering firms against allegations of damages due to their professional negligence. Coverage is written on a claims-made basis and is usually subject to high deductibles.

Art Collections

Art Collections

Auction Houses

Auction Houses

Automobile and Truck Rental- Daily

Automobile and Truck Rental- Daily

Automobile Dealers

Automobile Dealers
A number of package policies for franchised automobile dealers have been developed and are readily available. They usually provide property, auto dealers' premises and operations liability, garage keepers insurance, and dealers' physical damage coverages. Loss of business income, employee tools, and other optional coverages are also available. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Excess Liability

Automobile Excess Liability
Automobile excess liability insurance is available to drivers who cannot obtain more than the minimum liability insurance limits needed to satisfy the financial responsibility requirements in their state because of age, occupation, vehicle use, or driving record. It is also available to drivers in assigned risk plans. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Insurance Plans-Physical Damage

Automobile Insurance Plans-Physical Damage
This is physical damage coverage for automobiles placed in a state specific Auto Insurance Plan or Assigned Risk Plan for liability coverage. Some states provide physical damage within the plan but others do not. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Leasing Contingent Liability- Physical Damage

Automobile Leasing Contingent Liability- Physical Damage
This is physical damage coverage for automobiles placed in a state specific Auto Insurance Plan or Assigned Risk Plan for liability coverage. Some states provide physical damage within the plan but others do not. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Nonstandard Liability

Automobile Nonstandard Liability
Many motorists find obtaining automobile liability insurance with standard carriers at regular rates difficult or impossible because of their age, occupation, driving habits, moral habits, and other issues. The nonstandard market provides coverage to these drivers at surcharged rates usually based on the insured's accident and driving violation conviction record. The insurance company considers a number of factors when it decides whether or not to write this coverage in a given state or locality. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Nonstandard Liability- Physical Damage

Automobile Nonstandard Liability- Physical Damage
Motorists who cannot find comprehensive and collision insurance coverages with standard markets at regular rates must obtain them through nonstandard markets at surcharged rates. The same companies that offer nonstandard liability coverage often also offer physical damage coverage. Physical damage coverage on high-powered sports cars, automobiles equipped for racing, specially equipped automobiles, and automobiles with fiberglass bodies is especially hard to place. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Physical Damage (Kits/Replicas/CustomCars)

Automobile Physical Damage (Kits/Replicas/CustomCars)
Auto physical damage insurance is available for cars built by their owners or by others on the owner's behalf. Some of these are "replicars," which are replicas of antique and classic autos constructed from kits. All of these vehicles tend to need high physical damage values so substantial deductibles may be required. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Repossessors Liability

Automobile Repossessors Liability
Businesses that repossess automobiles have difficult liability exposures and require expert handling. General liability, especially personal and advertising injury liability, is required to cover the operations exposure. In addition, auto liability for tow truck operations is required. Drive-away coverage is needed to cover the liability exposure on the vehicle being repossessed and garagekeepers legal liability is needed to cover vehicles while in the insured's care, custody, and control. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Sport and High Performance Cars

Automobile Sport and High Performance Cars
Automobile manufacturers design some very sophisticated and high-powered automobiles for customers who use them for everyday driving and transportation with a possibility of weekend racing. At one time most road racing or drag racing enthusiasts custom-built their own performance cars from stock models using custom racing equipment. These drivers were also usually very experienced racing enthusiasts and knew how to handle such cars. The introduction of high-powered vehicles to non-racing drivers can be deadly to both the driver and others because they lack training and do not understand the vehicle's power. Standard markets often decline to insure these vehicles. This explanation of insurance benefits is provided by Insurance Marketplace.

Barber Shop Liability

Barber Shop Liability
Barber shop premises liability and barber shop professional liability coverage should be combined on a single policy. Most Businessowners Policies (BOPs) provide this combined liability for eligible operations. However, barber shops that do not qualify for a BOP treatment will need to find such coverage with a carrier that specializes in their exposures. This explanation of insurance benefits is provided by Insurance Marketplace.

Beauty Shop Liability

Beauty Shop Liability
Beauty shop premises liability and beauty shop professional liability coverage should be combined on a single policy. Most Business Owners Policies (BOPs) provide this combined liability for eligible operations. However, beauty shops that do not qualify for a BOP treatment will need to find such coverage with a carrier that specializes in their exposures. This explanation of insurance benefits is provided by Insurance Marketplace.

Bed and Breakfast Inns

Bed and Breakfast Inns
Bed and breakfast inns are homes to their owners and lodging for paying guests. They are popular with tourists who want something different than what is available in regular hotels or motels. This explanation of insurance benefits is provided by Insurance Marketplace.

Bonds

Bonds
Provide a guarantee to people that the person or businesses that is bonded is trustworthy and will do what has been promised.  There are two main groups of bonds:  fidelity bonds, and surety bonds.  Fidelity bonds are held by people who want to provide proof they can be trusted to work inside homes, and in other situations requiring a high degree of trust.  Surety bonds provide assurance that the bonded person will complete work that has been promised. Typical kinds of bonds: Commercial Surety Bonds Contract Surety Bonds Fidelity Bonds Bid, Payment and Performance Bonds Commercial Crime Policy Indemnity Bonds Performance Bonds Fiduciary Bonds Churches.  This class of business is usually not difficult to place and is underwritten by many standard insurers. However, certain markets specialize in providing coverage for churches. Values subject to a total loss may be high. This explanation of insurance benefits is provided by Insurance Marketplace.

Business Legal Expense

Business Legal Expense
This coverage protects business owners against certain types of unforeseen legal expenses. An important limitation is that it covers only legal expenses that qualify as a deductible expense on the insured's tax form. It is not intended to pick up legal expenses that the insured's general liability insurance covers. Examples include preparing and reviewing contracts, forms, and documents; litigating contract claims; responding to consumer legal actions; advising on labor problems; and even certain white-collar criminal charges. It reimburses legal expenses for defense costs, legal consultation, and plaintiff actions. Pricing is based on the types of expenses covered and the limits purchased. This explanation of insurance benefits is provided by Insurance Marketplace.

Catastrophe

Catastrophe
Catastrophe insurance protects businesses and residences against natural disasters such as earthquakes, floods and hurricanes, and against man-made disasters such as terrorist attacks. These low-probability, high-cost events are generally excluded from standard hazard insurance policies, which makes catastrophe insurance necessary.Catastrophe insurance is different from other types of insurance in that it is difficult to estimate the total potential cost of an insured loss, and a catastrophic event results in an extremely large number of claims being filed at the same time. This makes it difficult for catastrophe insurance issuers to effectively manage risk. Reinsurance and retrocession are used along with catastrophe insurance to manage catastrophe risk.Different types of catastrophe insurance are available to cover various natural disasters and damage caused by terrorism. Homeowners insurance may contain certain types of coverages, but earthquakes and floods, for example, are typically excluded. Many homeowners policies cover only named perils, which can vary policy to policy and by insurance company. Even an “all perils” policy may exclude some events or contain specific policy limits, so you may not be fully insured for a major loss. That's where catastrophe insurance comes in. The coverage you should consider buying will mostly depend on the area in which you live. This explanation of insurance benefits is provided by Insurance Marketplace.

Churches/Religious

Churches/Religious
This class of business is usually not difficult to place and is underwritten by many standard insurers. However, certain markets specialize in providing coverage for churches. Values subject to a total loss may be high. Optional coverages available include crime, theft, directors and officers liability, and clergy professional liability. Sexual misconduct coverage for the organization because of alleged actions of clergy and certain other staff positions is often available but is subject to sub-limits. This explanation of insurance benefits is provided by Insurance Marketplace.

Classic Vehicles

Classic Vehicles
Restoring, caring for, and maintaining older automobiles is a popular pastime of Americans of all ages. Gatherings, parades, and tours for antique autos sponsored by antique automobile clubs take place throughout the year. These vehicles may be extremely valuable, depending on the model, age, and availability. In many cases, the expenses the owner incurs to restore the vehicle equal to or exceed its actual value. An antique automobile is usually defined as a private passenger-type motor vehicle 45 or more years of age. A classic car must be more than 20 years old and also be a distinctive type of car. Antique and classic automobiles must be maintained for use in exhibitions, club activities, parades, and other functions of public interest and used only occasionally for other purposes. The vehicle cannot be used primarily to transport passengers or goods. This explanation of insurance benefits is provided by Insurance Marketplace.

Clubs and Leisure Time Activities

Clubs and Leisure Time Activities
This program is designed for U.S.-based clubs and or groups conducting youth or adult non-sport activities. Coverage provided includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. Covered operations consist of scheduled, sanctioned, organized and supervised activities in which members participate and that are directly related to the specific common interest or goal for which the club or group is formed. Coverage is also provided for member activities such as meetings, registrations, parades in which the insured participates, picnics, banquets and ceremonies. This explanation of insurance benefits is provided by Insurance Marketplace.

Coastal Properties

Coastal Properties
Property insurance coverage for residential and commercial properties in coastal areas often does not cover windstorms. Varieties of cooperative programs are available through state wind plans but some private carriers are available to provide this needed coverage. All coastal windstorm policies are subject to large deductibles, either as a flat amount or as a percentage of the limit of insurance. Flood coverage is also needed and available through the National Flood Insurance Plan (NFIP). Because the NFIP limits are often inadequate, excess coverage above those limits is available. This explanation of insurance benefits is provided by Insurance Marketplace.

Collectibles

Collectibles
Hobbyists collect a wide variety of objects. In addition to United States and foreign coins, currency and postage stamps, other collectibles include postcards, matchbook covers, beer cans, sports trading cards, dolls, buttons, and glass bottles, to name just a few. The number and types of possible personal collections are virtually unlimited. It is difficult to determine the value of some collections or establish values on valuable single items, which make underwriters reluctant to insure such collections on a valued basis. However, it is easier to secure adequate coverage when recognized experts appraise individual items or entire collections. It is important that appraisals be kept current because the market for such items can change significantly in a single year. This explanation of insurance benefits is provided by Insurance Marketplace.

Community Service Organizations

Community Service Organizations
Coverage is available for nonprofit community service agencies and organizations, such as senior citizens community centers, home visitation services, youth centers, and neighborhood centers. Coverages provided usually include property, casualty, and professional liability coverages. These carriers underwrite this class of business: This explanation of insurance benefits is provided by Insurance Marketplace.

Computer Software Designers Errors and Omissions

Computer Software Designers Errors and Omissions
This insurance covers errors in programs or in systems designed by computer software designers and consultants. In many cases, computer consultants' errors and omissions coverage is written as part of a package arranged for computer firms. This explanation of insurance benefits is provided by Insurance Marketplace.

Consultants Professional Liability

Consultants Professional Liability
Consulting firms advise their clients on specific management or business problems. The services provided can include offering advice on employment practices, sales development, time management, executive search, marketing strategies, computer testing, and other matters. Insurance coverage is usually tailored to match the specific services the consulting firm offers. Underwriters evaluate every activity the business conducts before they accept it and determine the appropriate premium to charge. This explanation of insurance benefits is provided by Insurance Marketplace.

Contractors Equipment Insurance

Contractors Equipment Insurance
This inland marine coverage insures contractors' equipment on a scheduled or blanket basis. For many contractors, their major assets are equipment, such as cranes, power shovels, tractors, and bulldozers. Large items can be specifically scheduled, while a blanket limit may be used for smaller items. Tool coverage, including employee tools, can also be provided. Coverage is often based on all risk-type perils or special causes of loss and is tailored to suit the individual insured's needs. A deductible sufficient to eliminate smaller, petty pilferage losses is preferred. Special limitations on crane usage are common. Other important coverages for contractors include: Contractor Controlled Insurance Plan (CCIP) aka Contractor’s Wrap-Ups, Contractors Design and Build (Project Managers) and Contractors Pollution Liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Convenience Stores

Convenience Stores
Convenience stores are usually a combination of a grocery store, variety store, and gas station. Many standard markets provide property and general liability coverages. Liquor liability, underground storage tank (UST) liability, crime, and workers compensation coverages may only be available in a specialty market. This explanation of insurance benefits is provided by Insurance Marketplace.

Cyber-Liability

Cyber-Liability
This is the most rapidly changing liability area today. Commercial and personal lines carriers restrict coverage related to online activities. As a result, separate cyber liability coverage forms and endorsements are necessary to cover exposures such as libel, slander, infringement of copyright, and invasion of privacy. Coverage is also needed when hackers infiltrate a company’s computer system and steal valuable third-party information, such as social security numbers, credit card numbers, and health information. Many companies offer cyber liability coverage but forms are not standardized. Some companies include first party coverage for damage to computer systems because of hacking and other types of viruses. This explanation of insurance benefits is provided by Insurance Marketplace.

Dentist Professional Liability

Dentist Professional Liability
This coverage protects dentists against claims for injury that arise from alleged malpractice, error, or mistake in rendering professional services. It may be written for individuals or partnerships and includes all professional activities at the dental office. Most companies that write this coverage insure only members of recognized local, county, and state professional societies. This explanation of insurance benefits is provided by Insurance Marketplace.

Design Risks

Design Risks
Liability arising out of errors or omissions in the provision of professional design services. Although design services encompass a broad range of activities, including product design, in insurance circles this term is most often used to describe liability arising out of the providing of architectural, engineering, and surveying services. Coverage is specifically designed to offer protection to design professionals for the array of emerging exposures you face and can help protect your firm against losses resulting from negligence, errors, and omissions in the performance of professional services. This errors and omissions policy can be tailored to fit your business needs and includes design services provided in a variety of capacities. Key policy benefits normally provided include network and information security offense coverage. As well as crisis event expense coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Directors and Officers Liability

Directors and Officers Liability
This coverage protects directors and officers of a corporation against claims that allege injury caused by their negligent acts, errors, or omissions while acting in their corporate capacities. It also indemnifies corporations for expenses they incur to defend such lawsuits. The market for this coverage is expanding and addresses all sizes of corporations. Some companies cover discrimination, wrongful termination, and sexual harassment. This explanation of insurance benefits is provided by Insurance Marketplace.

Directors and Officers Liability- Financial Institutions

Directors and Officers Liability- Financial Institutions
Financial institutions are one of the most difficult classes of directors and officers liability to insure because they are subject to significant regulatory and civil actions against their directors and officers. This explanation of insurance benefits is provided by Insurance Marketplace.

Directors and Officers Liability- Non-Profit organizations

Directors and Officers Liability- Non-Profit organizations
This coverage protects the nonprofit itself, its directors and officers, employees, and even committee members. Some carriers include a limited amount of this coverage as part of their package policies. Trade, fund-raising, and research organizations, churches, fraternal organizations, and other nonprofit organizations are eligible. Farm co-operatives and hospitals are difficult classes for this coverage. Some underwriting factors to consider are stability of operations, length of time in operation, and whether the organization generates enough revenue to meet its expenses. Some companies cover employment practices liability as part of this coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Drug Testing Liability

Drug Testing Liability
A false-positive testerror can lead to an individual being fired or not being hired. Even worseis the false-negative drug test that allows an individual with a drug problem to remain on the job and cause injury ordamage. For these reasons, the stakes are very high. This coverage insures medical reviewofficers, breath alcohol technicians ,and substance abuse professionals who determine if employees remain on their jobs or are treminated. These technicians could be considered professionally negligent if they do not comply with federal regulations under drug testing laws. This explanation of insurance benefits is provided by Insurance Marketplace.

Earthquake and Earth Movement

Earthquake and Earth Movement

The market for earthquake and earth movement coverage is active. Availability, pricing, and deductible requirements vary by region. Determining the insured property's susceptibility to earthquake damage and earthquake preparedness are important parts of the underwriting process. Coverage is available under specific earthquake or earth movement policies or Difference in Conditions coverage forms. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • Dwelling 
  • Other structures 
  • Personal Property
  • Loss of Use
  • Building Code Upgrades
  • Personal Valuables
  • Swimming Pools
  • Loss Assessment

Educational Institutions

Educational Institutions

Educational institutions have very specific needs that only customized coverage forms and programs can meet. Such programs offer commercial property, general liability, crime, inland marine, equipment breakdown, electronic data processing equipment, fine arts, abuse and molestation, corporal punishment, employee benefits liability, automobile, umbrella liability, workers compensation, educators legal liability, and employment-related practices liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability
  • Auto Liability & Auto Physical Damage
  • Property 
  • Equipment Breakdown
  • Crime
  • School Board Liability
  • EPLI
  • Cyber-liability
  • Fiduciary Liability

Employment Benefit Plans Liability

Employment Benefit Plans Liability

This insurance covers the insured employer against claims made by its current or former employees due to damages caused by negligent acts, errors, or omissions in the employer’s administration of employee benefit programs. It covers claims resulting from the giving of incorrect advice concerning an employee's health care or pension plan or for failing to enroll employees under a benefit program. It usually excludes all fiduciary responsibility. It may be written on a separate policy or be endorsed to the employer's commercial general liability policy. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability
  • Contractors
  • Products Liability
  • Lessor’s Risk 
  • Employee Liability
  • Cyber-liability
  • Lessors Risk
  • Commercial Liability Risk

Employment-Related Practices Liability

Employment-Related Practices Liability
Federal, state, and local regulations prohibit a number of employment-related practices. This insurance covers the insured if it or any of its employees are accused of any of the prohibited practices. The coverage provides a list of the federal regulations that can be cited in a claim such as age, race, gender, or disability discrimination. It also covers allegations of harassment and retaliation. This explanation of insurance benefits is provided by Insurance Marketplace.

Energy Risks

Energy Risks
The energy service industries have seen significant growth in the last several years. Due to an increase in domestic energy production and more green energy initiatives, we have seen a major opportunity for agents to make energy-related insureds part of their books. These insureds range anywhere from large oil field operations to contractors focusing more on alternative energy sources. This explanation of insurance benefits is provided by Insurance Marketplace.

Entertainment Risk

Entertainment Risk

The entertainment industry is often faced with unique perils. Insurance solutions that provide specialized property and liability protection for individual artists, performers and groups - even if the entertainer happens to be an animal - are important to mitigate and prepare for these risks. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • Production Portfolio
  • Producers' Errors & Omissions
  • Guild/Union Travel & Accident
  • Equine Liability
  • Excess/Umbrella Liability
  • Foreign Liability
  • Marine and/or Inland Marine
  • Spectator Liability
  • Sponsor Liability

Environmental Risk

Environmental Risk

Provides protection against third-party environment impairment claims for bodily injury, property damage, and cleanup costs arising from an event on or stemming from a covered location.

Typical Coverages:
  • Environmental Liability

Equestrian

Equestrian

Horse owners ride for pleasure, show, or competition. Personal lines homeowners coverage provides some coverage but often not enough for serious riders. Equestrian risks liability policies are available to bridge the gap in coverage. Workers compensation coverage may also be needed to cover persons employed part-time, temporarily, or on a limited-help basis to assist in boarding, training stables, racing, or other equestrian- related activities. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • Equine Liability Policies 
  • Boarding Stable Liability
  • Equestrian Association Liability 
  • Equine-Assisted Therapy Liability 
  • Farrier Liability
  • Guest Ranch Liability Insurance
  • Horse Care Custody & Control Liability
  • Horse Show & Equine Special Event Liability 
  • Polo Club Liability Insurance

Equipment Leasing-Lessor Protection

Equipment Leasing-Lessor Protection

Equipment leasing contracts require that the lessee insure the leased equipment. However, at times the lessee does not meet its obligation. In order to protect its interest in the equipment when such a lapse occurs, the owner can purchase contingent coverage that pays for its interest in the equipment. This coverage can be broadened to include the lessee's interest. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability
  • Property Damage
  • Business Income
  • Terrorism 
  • Earthquake, Flood, Windstorm
  • War 
  • Total Loss 
  • Workers Compensation

Errors and Omissions/Professional Liability (Medical)

Errors and Omissions/Professional Liability (Medical)
This explanation of insurance benefits is provided by Insurance Marketplace.

Events

Events

Provides protection for situations in which an event holder, host, venue manager or concessionaire must defend against lawsuits or pay damages for bodily injury or property damage to third parties. Other coverages address the risk that events can be interrupted or canceled, including coverages designed to reduce the risk of events incurring financial losses. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability 
  • Event Liability 
  • Weather Interruption Event Insurance
  • Unexpected Interruption Insurance
  • Event Cancellation Insurance 
  • Event Security Insurance
  • Cyber-liability Insurance
  • Personal Injury Liability 
  • Umbrella Insurance 

Excess Coverage

Excess Coverage
Excess Flood Insurance, Excess Liability (Commercial), Excess Liability (Over SelfInsured Retention), ExcessLiability (Personal), Excess Malpractice and Professional Liability, Excess MarineLiability, Excess Maritime Employers Liability, Excess Medical Stop Loss Coverage- Self Insured Risks, Excess Property. This explanation of insurance benefits is provided by Insurance Marketplace.

Farm and Ranch Properties

Farm and Ranch Properties
Farms and ranches have always been considered a specialty line of insurance. Some major carriers have separate divisions to underwrite farm, ranch and/or agribusiness risks. Dwellings, farm buildings, equipment, and livestock at one location can expose significant values to a single loss. Most farm properties are unprotected and do not have readily available water or paid fire department service. Policies written on farms and agribusinesses often combine both personal and commercial property and liability exposures. Larger farms and corporate farms are usually underwritten as commercial lines while family farms are underwritten as more personal lines. This explanation of insurance benefits is provided by Insurance Marketplace.

Financial Institutions/Services

Financial Institutions/Services
Financial institutions' theft and trust exposures are significant and require underwriting specialists to analyze and insure them. Banks, savings and loan associations, mortgage bankers, and other financial institutions' exposures are based on their balance sheets, services offered, contractual obligations, and regulatory compliance. The exposures must be analyzed thoroughly to determine the exposures that must be insured and the ones that can be minimized or self-insured. By using deductibles, large cash and securities exposures can be covered more efficiently and proper attention paid to the truly catastrophic exposures. Some of the more important specialized coverages include financial institution bonds, errors and omissions coverage for trust department operations, lenders' single interest coverage on auto and vehicle loans, mortgage errors and omissions, and financial consultants' errors and omissions coverages. Directors and officers' liability coverage must also be considered. This explanation of insurance benefits is provided by Insurance Marketplace.

Fine Arts- High Values

Fine Arts- High Values
Fine arts insurance coverage on both personal and commercial exposures and collections is usually written under inland marine coverage forms. In most cases, each item is scheduled and insured for specific stated amount. Because statuary, sculptures, paintings, and antiques are "one-of-a-kind" art objects, competent appraisers must determine their values. These values should be adjusted regularly because of the inconstancy in the art market that can cause values to skyrocket and then plunge. Security and loss prevention measures that are subject to enforceable warranties are often required. This explanation of insurance benefits is provided by Insurance Marketplace.

Firearms/Shooting Risks, Dealers and Distributors

Firearms/Shooting Risks, Dealers and Distributors
Comprehensive insurance programs are available for firearms wholesalers, distributors, retailers, gunsmiths, ammunition manufacturers, and indoor and outdoor shooting ranges. They are treated as specialty business because of the hazards that firearms and live ammunition present. Commercial general liability, products liability, and broad form vendors' coverages are important because many state and federal regulations require them. Property coverage on firearms and ammunition may also be available. Deductibles usually apply to premises hazards. This explanation of insurance benefits is provided by Insurance Marketplace.

Government Risk

Government Risk
Emerging markets can offer great opportunity for investors, but these same markets can also pose a variety of political risks. Among them: War, civil strife, coups and other acts of politically-motivated violence, including terrorism, Expropriation, including abrogation, repudiation, and/or impairment of contract and other improper host government interference, and Restrictions on the conversion and transfer of local-currency earnings. OPIC political risk insurance – often in combination with OPIC financing – allows American businesses to take advantage of commercially attractive opportunities in emerging markets, mitigating risk and helping them compete in a global marketplace.OPIC insurance provides innovative, comprehensive, and cost effective risk-mitigation products to cover losses to tangible assets, investment value, and earnings that result from political perils. This explanation of insurance benefits is provided by Insurance Marketplace.

Habitational

Habitational
Habitational risks are covered under a Business Insurance Policy. A habitational risk insurance policy is designed for commercial residential properties such as apartment buildings, homeowners associations, rented houses and condominiums. Business Insurance Policies Provide Coverage for the Following Losses: Fire and Lightning, Smoke, Windstorm and Hail, Explosions, Aircraft or Vehicles, Vandalism and Malicious Mischief. Business Insurance Policies do not just cover the building itself. There is also coverage for business personal property, personal property of others and business income and extra expenses. There is also liability protection.Optional Insurance Coverages That May Be Added Include: Glass, Outdoor Signs, Water Damage, Accounts Receivable, Loss of Rental Income, Replacement Cost on Building, Condominium Association Directors, and Officer Errors and Omissions. This explanation of insurance benefits is provided by Insurance Marketplace.

Hazardous Materials & Hazardous Waste Haulers

Hazardous Materials & Hazardous Waste Haulers
Customer Profile - any insured who has vehicles that carry any material which if spilled, could be deemed as environmentally damaging. Such an incident would be excluded from standard auto coverage. PROGRAM FEATURES: • Commercial Trucker Forms, ISO Motor Carriers Coverage Form or Truckers Form (in some states). Motor Truck Cargo, Commercial General Liability for truckersCOVERAGES: • Auto Liability, Physical Damage, Excess Auto, Pollution, Cargo. Commercial General Liability. POLICY HIGHLIGHTS:• MCS 90 endorsements. Sudden and accidental pollution coverage, Upset and overturn, loading and unloading coverage, No minimum premiums, Regulatory filings provided. This explanation of insurance benefits is provided by Insurance Marketplace.

Health and Exercise Clubs

Health and Exercise Clubs
This coverage is designed for businesses operating as fitness facilities. A wide range of facilities are eligible for this program—from small personal training studios to big box facilities with a full range of equipment and amenities. Fitness centers offer valuable services as help people reach their fitness goals and become healthier in general. But in some cases, they can be a lawsuit waiting to happen if a member is injured on faulty equipment or an inexperienced instructor gives bad advice. That's why business insurance for fitness centers is a must. Types of Fitness Center Insurance Business insurance for fitness centers will consist primarily of liability insurance and property insurance to cover replacement or repair costs for equipment, General liability to cover costs if you are sued for medical bills or pain and suffering if a person is injured in your fitness center. This explanation of insurance benefits is provided by Insurance Marketplace.

Health Care

Health Care
Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. Your health insurance policy is an agreement between you and your insurance company. The policy lists a package of medical benefits such as tests, drugs, and treatment services. The insurance company agrees to cover the cost of certain benefits listed in your policy. These are called “covered services.” Essential Health Benefits. A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. These include doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services. This explanation of insurance benefits is provided by Insurance Marketplace.

Health Foods Industry

Health Foods Industry
Health foods have become more popular because of concerns about the potential problems with foods grown using a variety of pesticides, herbicides, and other chemical compounds. Property and casualty insurance programs that include products liability coverage are available to manufacturers, distributors, wholesalers, and retailers of a wide range of health food products. This industry includes natural foods, organic foods, food supplements, and personal care products. This explanation of insurance benefits is provided by Insurance Marketplace.

High Valued Commercial Property

High Valued Commercial Property
Companies interested in writing high-valued commercial property risks usually establish minimum property values they will consider. The coverage tends to be more generous with a number of additional coverages and coverage extensions. These accounts are subject to significant deductibles and are often written with multiple layers. Unique loss prevention services are often available. Geographic, weather and climatic factors affect the coverages available and premiums charged. This explanation of insurance benefits is provided by Insurance Marketplace.

High Valued Personal Property

High Valued Personal Property
Customized insurance coverages are available for high-valued luxury homes, high-rise condominiums, or town homes. Many of these residences are located in coastal or mountain areas with problematic property exposures. In addition to standard homeowners forms, some unique coverage enhancement endorsements are also available. Examples of such enhancements are excess wind, excess flood, earthquake, vacant property, rental property, builders risk, and inland marine. This explanation of insurance benefits is provided by Insurance Marketplace.

Home Business Insurance

Home Business Insurance
Most homeowners coverage forms and policies include limited protection for certain in-home businesses. This coverage is often inadequate for many types of home-based businesses. This coverage insures home-based businesses that are beyond the scope of standard homeowners forms. This explanation of insurance benefits is provided by Insurance Marketplace.

Home Owners Policies- Low-Value and Non-Standard

Home Owners Policies- Low-Value and Non-Standard
Specialty carriers have developed homeowners and tenants package policies for low-value and nonstandard dwelling risks in distressed areas to provide alternatives to the urban area or statewide Fair Access to Insurance Requirements (FAIR) Plans. FAIR Plans are very limited and do not offer "package" coverage on residential property. In contrast, property coverage and personal liability is combined in a single policy. The coverage is written on a named perils basis with mandatory deductibles. Premiums charged are higher than in the standard market and some policies are written under various state consent-to-rate requirements. This explanation of insurance benefits is provided by Insurance Marketplace.

Hotels and Motels

Hotels and Motels
The standard markets usually insure hotels. However, some are much more difficult to place because of high property values and/or difficult liability exposures. Some hotels located in coastal areas are subject to heavy windstorms and hurricanes. Casino operations at some hotels introduce unique and unusual crime and liability exposures, while restaurants and bars present liquor liability exposures. Swimming pools, lakes, skating rinks, skiing, and other leisure activities for guests are examples of difficult liability exposures. Some hotels arrange trips for guests and programs for conventioneers. This explanation of insurance benefits is provided by Insurance Marketplace.

Identity Theft Liability

Identity Theft Liability
Identity theft liability is an evolving coverage. The most basic form covers liability imposed on a business because it failed to adequately protect certain vital information that its customers supplied. This information is such that its theft can allow the customers' identity to be stolen. Many carriers are expanding beyond this basic coverage to provide loss control assistance to prevent such losses and intense case management activities following a security breach in an attempt to lessen the impact of any loss. This explanation of insurance benefits is provided by Insurance Marketplace.

Industry/Vendor Service Provider

Industry/Vendor Service Provider
This category lists service providers available to the insurance agent. These providers offer claims, loss control, risk management, rental car, glass repair, restoration services, and other specialized industry service needs. These services are usually paid based on commissions or a schedule of fees. This explanation of insurance benefits is provided by Insurance Marketplace.

Inland Marine

Inland Marine
Inland Marine insurance indemnifies loss to movable or specialized types of property. Inland Marine provides coverage for a wide range of risks and property. Some examples are: crane and rigging equipment, logging equipment, scaffolding, rental equipment and party good dealers, any equipment-driven risk, well drilling and servicing, scientific equipment, medical equipment, jewelry and coin dealers, broadcasting equipment and property, warehousing legal liability, and railroad rolling stock. But a wide variety of other types of property and risks can also be covered. This explanation of insurance benefits is provided by Insurance Marketplace.

International Insurance

International Insurance
Global account underwriting is tied to the growth in multinational corporations. Multinational businesses need a package of domestic and foreign insurance coverages combined under a single master program. A number of major U.S. insurers have large international networks of facilities that can provide insurance coverage in almost any country in the world for U.S. businesses that conduct operations overseas and/or export products overseas. This explanation of insurance benefits is provided by Insurance Marketplace.

Internet Liability

Internet Liability
Internet liability is the most rapidly changing area of liability exposure today. The growth in the number of persons who use the Internet regularly has caused most businesses to promote and market their products and services online. These companies have home pages and many communicate with others via email, chat lines, blogs, social media, and more. Liability coverages and exclusions that apply to advertising injury, libel, slander, infringement of copyright, and trademark are being revised to reflect the changing conditions of online communication. A few insurers offer a package of coverages designed to protect businesses that provide online services to their customers and subscribers. This explanation of insurance benefits is provided by Insurance Marketplace.

Janitorial Services

Janitorial Services
Janitorial service contractors provide daily, weekly, monthly, or other periodic building maintenance work. Services include washing windows and/or walls, waxing floors, shampooing carpets, and other building maintenance services. Most standard markets are not interested in writing them because of the access they have to buildings and the accompanying potential of bodily injury, property damage, and theft. This explanation of insurance benefits is provided by Insurance Marketplace.

Jewelers Block

Jewelers Block
Jewelers block coverage is not limited to only retail jewelers. Any risk that has jewels, jewelry, or precious metals in its inventory needs this coverage because standard commercial property policies significantly limit theft coverage on such property. Every market for this coverage requires detailed applications, known as proposals that become part of the policy. Security systems with maintenance agreements are required and a warranty on the policy requires that both remain in proper operating service throughout the policy’s term. This explanation of insurance benefits is provided by Insurance Marketplace.

Kart (Go-Kart) Liability

Kart (Go-Kart) Liability
This coverage insures the liability of individual kart owners and karting enthusiasts. The bodily injury and property damage liability coverage provided protects the insured for hazards that arise out of his or her ownership, maintenance, or use of a kart, including racing, on private property in the United States and Canada. This explanation of insurance benefits is provided by Insurance Marketplace.

Kidnap/Ransom Insurance

Kidnap/Ransom Insurance
Kidnap, ransom, and extortion coverage has become more common as businesses expand their international outreach and send executives and key employees around the world. While ISO and SFAA have developed endorsements and coverage forms, restrictions and availability vary by company. One unusual aspect of this coverage is that the insured cannot acknowledge that they have the coverage because such acknowledgement could make them more of a target. This explanation of insurance benefits is provided by Insurance Marketplace.

Kidney Dialysis Centers

Kidney Dialysis Centers
General liability and professional liability is needed for centers that provide kidney care and dialysis services to patients with diseased kidneys. This coverage is best when combined with a single carrier in order to prevent gaps or duplication. This explanation of insurance benefits is provided by Insurance Marketplace.

Lawyers Professional Liability

Lawyers Professional Liability
Lawyers professional liability covers the law firm and the individual attorneys who work for the firm against claims that allege negligence, errors, or omissions in performing their duties as lawyers. Availability, limits, and deductibles vary based on the particular law firm's specialties and the number of partners and other employees. This explanation of insurance benefits is provided by Insurance Marketplace.

Liquor and Dram Shop Liability

Liquor and Dram Shop Liability
Bars, restaurants, hotels, motels, and other businesses that sell, distribute, or serve liquor need coverage for their vicarious liability for injury or damage that arises out of acts of patrons served alcoholic beverages in their establishments. Specialty insurers write liquor liability coverage. It covers common law and statutory liability exposures for the businesses and also owners, general lessees, or mortgagors of the property. Insurer interest in writing this coverage and the premium levels available vary from state to state, based on the liquor liability laws in each state. This explanation of insurance benefits is provided by Insurance Marketplace.

Machinery and Tools- Contractors

Machinery and Tools- Contractors
Commercial contractors equipment insurance is a broad-ranging policy designed to cover damaged or missing contracting equipment. A contractor’s insurance policy can extend beyond simply covering equipment; it can also cover small tools, employees’ equipment and clothing, and borrowed equipment. In the event of a covered loss, contractors equipment coverage can even help pay for the removal of debris and cleanup after an accident. Contractors insurance also helps cover losses due to theft and can help pay the costs to expedite a project that is off schedule as the result of a covered loss. A contractor’s equipment insurance policy covers tools and equipment under its replacement cost coverage benefit. Scheduled equipment that is less than five years old at the time of loss is covered on a replacement cost basis with the option to purchase additional replacement cost valuation options. Tools and equipment that are purchased after a contractor’s equipment insurance policy takes effect will automatically be covered for a period of time. This way the newly purchased equipment is covered while the commercial contractor has time to update their policy. Employee tools and clothing are also covered under contractors equipment insurance policy. This explanation of insurance benefits is provided by Insurance Marketplace.

Medical Professional Liability

Medical Professional Liability
Medical professional liability insurance, sometimes known as medical malpractice insurance, is one type of professional liability insurance which protects physicians and other licensed health care professionals (e.g., dentist, nurse) from liability associated with wrongful practices resulting in bodily injury, medical expenses and property damage, as well as the cost of defending lawsuits related to such claims.A medical professional liability insurance policy covers bodily injury or property damage as well as liability for personal injury such as mental anguish. The complexity involved in discovering negligence results in a higher percentage of premium dollars going toward defense and cost containment expenses. Medical liability insurers spend substantial funds investigating and defending claims where there is an adverse patient outcome not resulting from negligence.There are two basic types of malpractice insurance—occurrence or claims-made. Many insurers write on a claims-made form basis where a policy in effect at the time a claim is reported responds for the loss, while the policy remains in force and during any applicable extended reporting period. The policy that was more popular in earlier times is occurrence-made which covers a loss that “occurs” during the policy period, regardless of when the claim was made, and even after the policy has been canceled. This explanation of insurance benefits is provided by Insurance Marketplace.

Merchandise Risks

Merchandise Risks
The retail industry has always been subject to changing trends and designs. As advances in communications and global connectivity continue to grow, retailers have had to embrace a changing dynamic that includes shifting consumer preferences based on the latest trends, global economic uncertainty and vast online options. All retailers must balance factors such as brand image, price, quality, location, marketing savvy, expense tracking and nimble inventory management to maintain typically thin profit margins. As the owner of a general merchandise store, you should know that some of the best ways to stay profitable include being strategic in your locations and maximizing your revenue per square foot. You also need to find ways to differentiate yourself from other stores in this competitive field. As you work hard to improve on these aspects of your business, you should protect what you have built with a general merchandise store insurance policy that has the coverage you need. This explanation of insurance benefits is provided by Insurance Marketplace.

Mergers and Acquisitions

Mergers and Acquisitions
Regardless of the amount of due diligence that occurs when a company decides to acquire, be acquired, or merge with another company unanticipated situations often arise. Environmental, management, political, fiduciary, and benefit considerations can jeopardize the transaction successfully moving forward. A variety of specialized insurance coverages such as D&O, environmental liability, EPLI, property, workers compensation, and disability products may be purchased to eliminate or reduce some of the uncertainties. This explanation of insurance benefits is provided by Insurance Marketplace.

Motor Home Rentals

Motor Home Rentals
Motor homes can be rented forweekend excursions, family vacation trips, or commercial use on a short-term or long-term basis. This insurance is soldto the dealer.It covers the motor home while it is rented to others. The dealers passes this cost to the party that rents the motor home by adding it as one part of the overall rental fee. This explanation of insurance benefits is provided by Insurance Marketplace.

Motor Home/Travel Trailers (Commercial Use)

Motor Home/Travel Trailers (Commercial Use)
Commercial motor home and travel trailer risks can be difficult to place. Race car drivers, musicians, entertainers film production companies, catalogue salescompanies, claims adjusters, and businesses that have travelling exhibits are common examples of people or businesses that need this coverage. Coverage is also available for business personal property in the motor home or trailer. This explanation of insurance benefits is provided by Insurance Marketplace.

Motor Homes

Motor Homes
A motor home is a self-propelled land motor vehicle, designed and constructed to provide facilities for cooking and sleeping. Physical damage coverage extends to accessories, permanently attached equipment, and personal effects kept in the motor home. Bodily injusry and property damage liabilty, medical payments coverage, comprehensive, and collision (subject to specified deductibles), uninsured motorists protection, and vacation expense allowance coverage are part of the package. This explanation of insurance benefits is provided by Insurance Marketplace.

Motorcycle

Motorcycle
Motorcycle policy Insurance is usually available for all types of motorcycles including Harley-Davidson, Honda, Suzuki, Yamaha, Kawasaki and other popular brands as well as mopeds and scooters.  The motorcycle policy offers coverage for accessories, collision coverage, comprehensive, custom motorcycle coverage, trike coverage, vintage motorcycle coverage, actual agreed value option along with the standard coverage options of bodily injury liability, trip interruption coverage, uninsured motorist bodily injury and property damage. Discounts are available for multiple motorcycles, home ownership, motorcycle safety course completion and rider groups’ membership. The physical damage plus option allows you to have your bike repaired with original equipment manufacturer parts. This explanation of insurance benefits is provided by Insurance Marketplace.

Moving Companies

Moving Companies
Moving and storage companies are responsible for their clients' personal and commercial goods from the time the load is removed from the client's home or place of business, during transit, while in temporary storage, until it is delivered to (and unloaded at) its final destination. Coverage is available for auto liability and physical damage, general liability, the client's goods while in transit and in storage, the client's business personal property, and workers compensation. This explanation of insurance benefits is provided by Insurance Marketplace.

Municipal and Public Entities Liability

Municipal and Public Entities Liability
This specialized liability policy is available from a number of insurers. It covers the liability requirements of cities, counties, townships, and other public entities. In certain states, the coverage insures the liability imposed on the public entity by law and liability that the public entity assumed by contract to the extent that it could legally do so. Some public entity policies cover specific personal injury offenses in addition to bodily injury. The definition of insured includes the named public entity, as well as its additional insureds, officials, servants, and employees. This coverage applies to both commercial general liability and auto liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Museums

Museums
A number of major insurers have developed property and commercial general liability package programs for museums, historical societies, and other groups that have collections of art and antiquities. Coverage is also available for private and public collections of jewelry, antiques, and sports memorabilia, among others. Collections are written on an inland marine coverage form that usually covers flood, earthquake, theft, and damage due to changes in temperature and humidity. Insurers usually require that the insured initiate and maintain certain loss control efforts. This explanation of insurance benefits is provided by Insurance Marketplace.

Nightclubs

Nightclubs
Nightclubs are entertainment venues with live bands or DJs and dancing. Some nightclubs are for under 21’s and alcohol free but most have significant liquor exposures. There is usually an entrance fee or cover charge and bouncers are often employed to maintain security both at the door as well as within the establishment. Commercial property, general liability, liquor liability, and workers compensation coverages are all needed but may be difficult to place. This explanation of insurance benefits is provided by Insurance Marketplace.

Nonprofit Agencies

Nonprofit Agencies
There are over 1.6 million nonprofits in the United States and the number grows by 5% each year. These organizations have a unique needs that standard commercial lines coverage forms and commercial lines underwriting often do not properly address. Coverage needs to include: property, general liability, professional liability, abuse & molestation, automotive liability, workers comp, accident & health, directors & officers liability, employment practices liability, and special events liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Nurseries

Nurseries
Nurseries make up a special class of agribusinesses and require tailor-made insurance coverages to insure their individual and unique exposures. Nurseries sell trees, shrubs, and ornamental plants on either a retail or wholesale basis. Many nurseries also perform landscaping services for home owners, apartment complexes, and businesses. A few enterprising nurseries employ landscape architects to design landscaping projects. These risks need coverage for liability exposures and greenhouse operations. Pollution coverage is required if pesticides and herbicides are used on or off premises to care for and maintain nursery stock. There is an additional pollution hazard if there are aboveground or underground storage tanks or drums of chemicals, herbicides, pesticides, and fertilizers. Workers compensation is a difficult exposure due to lifting and moving heavy trees and shrubbery and pruning operations, as well as exposure to various chemical compounds. Commercial fleets or trucks and other equipment may also present unusual exposures. Crop insurance is usually handled in conjunction with federal crop insurance programs. This explanation of insurance benefits is provided by Insurance Marketplace.

Oil/Chemical Risks

Oil/Chemical Risks
Offshore Oil Drilling and Service Risks, Oil and Gas Deficiency Insurance- Guaranteed Performance, Oil Drilling EquipmentOil Drilling Rigs and Well Servicing Equipment, Oil Jobbers/Petroleum Distributors, Oil Landmen and Lease Brokers Errors and Omissions, Oil Lease Property (Oil Field Equipment), Oil Well Liability, Operators Extra Expense- Oil and Gas. This explanation of insurance benefits is provided by Insurance Marketplace.

Outdoor Recreational Facilities

Outdoor Recreational Facilities
National and state parks provide individuals and families a variety of opportunities for outdoor camping and recreation. Outdoors enthusiasts fill privately owned camping grounds and hunting and fishing preserves each weekend as well as during the week. Insurance packages are available that cover liability exposures such as saddle animals, horseback trail rides, archery clubs, shooting ranges, hunting and fishing clubs, recreational trails, resort hotels and motels, dude ranches, winter recreational activities and canoe, kayak, river rafting, and whitewater rafting. Auto liability coverage is available for buses and vans that transport guests to canoe and river rafting sites and for cross-country trips. Some programs also cover buildings and equipment owned by hunting and fishing lodges, hotels, and motels. General liability insurance is also available for clubs and members who lease land from others for hunting and fishing. Coverage is also available for landowners who rent out their land for hunting. This explanation of insurance benefits is provided by Insurance Marketplace.

Parking Garages and Parking Lots

Parking Garages and Parking Lots
Liability coverages on independent parking garages and lots can be difficult to place, especially those located in the downtown areas of larger cities. Commercial general liability and garagekeepers legal liability coverages are available for parking facilities. Rates are based on the number of parking spaces. As a part of this package, coverage may be available for valet parking offered by nightclubs, restaurants, and hotels. This explanation of insurance benefits is provided by Insurance Marketplace.

Pet Coverages

Pet Coverages
Pet Accident and Health Insurance, Pet Grooming Liability, Pet Mortality Risk. This explanation of insurance benefits is provided by Insurance Marketplace.

Product Liability- Hazardous or New Products

Product Liability- Hazardous or New Products
Certain types of manufactured products have particularly hazardous products liability exposures. Drugs, cosmetics, chemicals, and ladders are some examples. Many domestic insurance companies write insurance on these classes of business on only a very limited basis. In addition, very few standard markets are interested in insuring certain types of new products, particularly drugs. Specialized markets are available to write this coverage that involves providing a complete description of the product along with complete chemical and/or engineering reports. Businesses engaged in manufacturing and installing solar-heating equipment and burglar and fire alarm equipment have a very real need for this coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Professional Employers Organizations

Professional Employers Organizations
PEOs are organizations that manage and administer the human resources functions of their clients by contractually assuming substantial employer rights and responsibilities. They establish and maintain the employer relationship with the workers assigned to them. The types of workers, lengths of contracts, and the contractual obligations are important factors carriers consider when underwriting a specific risk. This explanation of insurance benefits is provided by Insurance Marketplace.

Professional Liability

Professional Liability
Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability insurance may take on different forms and names depending on the profession, especially medical and legal, and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service. Coverage sometimes provides for the defense costs, including when legal action turns out to be groundless. Coverage does not include criminal prosecution, nor a wide range of potential liabilities under civil law that are not enumerated in the policy, but which may be subject to other forms of insurance. Professional liability insurance is required by law in some areas for certain kinds of professional practice. This explanation of insurance benefits is provided by Insurance Marketplace.

Property Management Errors and Omissions

Property Management Errors and Omissions
Property managers arrange for property maintenance, leasing or renting, construction, alteration, and land development. Any real estate firm must carefully supervise these and related activities in order to avoid errors and omissions claims. While many property managers are also real estate agents, not all are. This explanation of insurance benefits is provided by Insurance Marketplace.

Railroad Property and Liability Coverages

Railroad Property and Liability Coverages
There are many different types of railroad exposures, including short line, regional, light transit, national, and others. Lloyd's of London or other insurers with underwriting units that specialize in the railroad business usually write property coverage on railroad rolling stock and other railroad property. Federal Employers Liability Act (F.E.L.A.) coverage is needed to cover work-related injuries to all railroad employees in addition to commercial general liability, and cargo legal liability coverage. Foreign rolling stock coverage is also needed to insure the railroad's legal liability for damage to non-owned rolling stock while in its care, custody, or control. This explanation of insurance benefits is provided by Insurance Marketplace.

Real Estate Agents Errors and Omissions

Real Estate Agents Errors and Omissions
This coverage protects a real estate agency against claims for damages for financial loss due to the agency’s alleged negligence. The allegations of negligence must be related to the conduct of negotiations and business performance for others. Like all forms of errors and omissions insurance, a proposal form must be completed and submitted to obtain a rate quote and to issue the policy. The premium charge is based on the amount of insurance, the deductible, the number of partners and other associates, and the gross income from handling real estate business. This explanation of insurance benefits is provided by Insurance Marketplace.

Resorts

Resorts
Liability and physical damage coverage is extremely important to resort owners or operators. Resorts located in areas without public fire protection or in areas that are difficult to reach are particularly difficult to place because of the distance to the fire department, inadequate water supply, high brush hazards, or older buildings. Coastal resorts may have difficulty obtaining coverage for windstorm and flood. Liability exposures are often significant and include swimming pools; beach craft, such as wind surfers, jet skis, parasailing, and personal watercraft; scuba diving; water skiing; trail rides; mountain climbing; and white water rafting. Resorts also have liability exposures from winter activities such as ski trails, tows and lifts, toboggan runs, and snowmobiles. Many resorts also have exercise facilities, specialized concierge services, and significant liquor liability exposures from restaurants and bars on the premises. This explanation of insurance benefits is provided by Insurance Marketplace.

Restaurants

Restaurants
Many insurance companies consider this class of business to be accommodation business. Loss experience on restaurants is consistently poor, largely due to the high incidence of fire as a result of ignition of grease on cooking equipment and in hoods and ducts. Other frequent causes of fires are defective electrical wiring, electrical appliances, and poor housekeeping. Installing automatic fire extinguishing systems reduces fire loss potential from ignition of grease during cooking operations. Liability exposures are considered less significant than the property exposures unless the restaurant serves alcohol. These risks are usually written subject to rigid inspections and the insured’s cooperation to eliminate hazards. This explanation of insurance benefits is provided by Insurance Marketplace.

Retail Stores

Retail Stores
There are many distinctive features available in the Retail Business Insurance Policy: Property – To protect your business building(s), contents, and equipment from a covered accidental direct physical loss, Liability – To protect yourself financially against costly claims and lawsuits covered under the policy, Loss of Income – Covers the actual loss of business income caused by a suspension of operations because of covered accidental direct physical loss to the insured premises, including any extra expense incurred to the extent it minimizes the loss of income, Computer Property – Provides broad coverage, with certain exclusions, for computer equipment used in your business operations, including computers, computer peripherals, computer cables, and software, Equipment Breakdown – Provides coverage for damage to covered property caused by mechanical breakdown of covered equipment, and artificially generated current damaging covered equipment, Employee Dishonesty – Protection against direct physical loss to business personal property including money and securities resulting from dishonest acts committed by employees, Brands and Labels – Provides coverage for the cost to remove brands and labels and/or stamp salvage on merchandise that has been damaged by a covered cause of loss, Utility Interruption Loss of Income – Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas, or electrical service to the premises, Signs – Coverage for accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody or control. This explanation of insurance benefits is provided by Insurance Marketplace.

Schools/Education

Schools/Education
Schools and educational institutions face a variety of unique risks that require specialized insurance protection. From students participating in sports to the inherent dangers of running chemistry classes and taking students on field trips, there’s a lot that educational institutions, including private and charter schools, need to manage and protect. And that’s in addition to the typical issues most businesses prepare for like property damage or loss of critical files and records. Smaller educational institutions, including private and charter schools, will need a Business Owner’s Policy (BOP). Why? Because it protects your school and the business of running it, in much the same way a homeowner’s insurance policy protects your home and personal possessions. This explanation of insurance benefits is provided by Insurance Marketplace.

Security Guards and Detective Agencies Liability

Security Guards and Detective Agencies Liability
Liability coverage for security patrol and detective agencies is available from primarily excess and surplus lines markets and specialty coverage programs. Underwriters pay close attention to employee training, use of firearms, the exact type or nature of patrol work performed, use of guard dogs, and previous losses. Premium is based on payroll and coverage is subject to a deductible. Some underwriters and programs include professional liability coverage and personal injury liability coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Security Risks/Equipment

Security Risks/Equipment
The electronic systems marketplace including: Commercial and residential technology integrators, Residential and commercial alarm systems installation, Residential and commercial alarm monitoring companies, Closed Circuit Television (CCTV)/access control/communication systems installation, Low-voltage wiring/electrical wiring within buildings, Electricians. COVERAGE HIGHLIGHTS: Broad form commercial general liability – occurrence form, Tailored professional errors and omissions on an occurrence form, No property damage/care, custody and control sub limits, No hidden sublimit for important coverages or sunset clauses, Coverage for subcontractors’ work, No warranty clauses requiring a contract in place for coverage to apply, No water damage limitations, Customized additional insured forms to meet contractual requirements. This explanation of insurance benefits is provided by Insurance Marketplace.

Service Businesses

Service Businesses
Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party. Both types of insurance policies protect against losses caused by the company or its employees in addition to protection against third-party lawsuits. Also, some businesses may carry business interruption insurance. This explanation of insurance benefits is provided by Insurance Marketplace.

Shopping Centers- Malls

Shopping Centers- Malls
Shopping centers may qualify as a specialty insurance risk if the property limits are extremely high. High concentrations of building and contents values, extremely large undivided floor areas, windowless buildings, exposures from hazardous occupancies, and exterior exposures are some property-related considerations that must be weighed and evaluated. Shopping malls may include supermarkets, restaurants, bowling centers, and motion picture theaters that must be underwritten carefully. Public liability exposures related to crowd control inside the building and parking lot incidents outside the building are significant. This explanation of insurance benefits is provided by Insurance Marketplace.

Shopping Centers- Strip

Shopping Centers- Strip
A strip shopping center may have only one tenant or may have multiple tenants, but all tenants areas are entered from the parking lot or sidewalk. There is no common interior area that is the shopping center owner’s responsibility. Some strip shopping center owners own multiple centers, which usually makes the overall property schedule more attractive due to the spread of risk. Parking lot exposures and vacancy are the two most difficult issues to address. This explanation of insurance benefits is provided by Insurance Marketplace.

Substandard Risks

Substandard Risks
Substandard and Low- Valued Dwelling Fire Insurance, Substandard Businessowners Policy, Substandard Crime Insurance, Substandard Fire (Commercial), Substandard General Liability, Substandard Malpractice and Professional Liability, Substandard Package Policies. This explanation of insurance benefits is provided by Insurance Marketplace.

Technology Professional Liability

Technology Professional Liability
A type of insurance designed to cover providers of technology services or products. For example, data storage companies and website designers provide technology services, while computer software and computer manufacturers offer technology products. Tech E&O policies cover both liability and property loss exposures. Technology Professional Liability insurance or IT Liability insurance protects all types of technology professionals if a client alleges that you were professionally negligent or failed to perform duties as promised in your contract. Some of your clients may require that you and your sub-contractors carry this insurance. The right kind of policy can protect both the IT consulting company and sub-contractors from claims of a perceived error or omission, even if the problem occurs months after the initial consultation. Technology companies and startups are a unique type of business with very specific insurance requirements. In addition to the standard types of coverage like general liability insurance or property insurance, the operational risks that tech companies face trigger insurance needs that are solved by more nuanced lines of coverage like technology errors and omissions insurance and cyber liability insurance. If you run a technology business or are thinking about starting one, this insurance guide should help you understand what types of coverage to consider and why. This explanation of insurance benefits is provided by Insurance Marketplace.

Terrorism

Terrorism
The market for terrorism coverage changed dramatically on September 11, 2001. Coverage availability and pricing varies significantly, based on geographic location and type of industry. This explanation of insurance benefits is provided by Insurance Marketplace.

Theater Groups

Theater Groups
Theater groups can be professional organizations with paid performers or community-based troupes with volunteer performers. Each has similar liability exposures for the audience, the potential for infringement on copyrights, and exposures to owned props and costumes. Workers compensation is an issue for professional groups. Professional groups may also have exposures related to transportation and travel. This explanation of insurance benefits is provided by Insurance Marketplace.

Travel Agents- Errors and Omissions

Travel Agents- Errors and Omissions
This coverage insures the insured travel agent against claims for damage that arise from alleged negligent acts, errors, and omissions committed by the insured or by others for whom the insured is legally liable. It usually extends to employees, tour guides, and tour directors under contract with the insured. The coverage territory is worldwide for accidents or occurrences such as canceled hotel or tour reservations, lost baggage, and misleading travel brochures. Some insurance programs include a package of coverages that includes professional liability, premises and operations liability, non-owned auto liability, and personal injury liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Trucking Operations

Trucking Operations
Auto liability and physical damage coverages are available through insurers that specialize in the trucking business. Truckers transport freight for others over the road in tractor-trailer units or trucks that can carry heavy loads. Coverage on bobtail operations and trailer interchange agreements can also be arranged. Motor truck cargo is another important coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Umbrella Liability- Commercial

Umbrella Liability- Commercial
These liability coverage forms provide excess general liability, automobile liability, and employer’s liability limits. They also provide the insured with an element of protection against exclusions and gaps in the primary coverage forms or policies. Umbrella liability coverage is triggered when the limits of the primary insurance are exhausted or when a claim arises that primary insurance excludes but that the umbrella covers. Coverage is excess over only the scheduled underlying liability coverages. This explanation of insurance benefits is provided by Insurance Marketplace.

Umbrella Liability- Personal

Umbrella Liability- Personal
This is umbrella liability coverage for individuals instead of corporations. Executives and professionals are excellent prospects. It increases the existing primary personal liability limits of insurance by providing additional limits. Coverage applies to personal, automobile, aircraft, watercraft, and employers’ liability, and professional liability or malpractice for professionals but only if such underlying policies are scheduled. Umbrellas often provide broader coverage than the scheduled underlying. There is a self-insured retention that applies only when the umbrella provides coverage for a loss that is not covered in the underlying. The amount of the self-insured retention varies among companies. This explanation of insurance benefits is provided by Insurance Marketplace.

Vacant Properties Insurance

Vacant Properties Insurance
Vacant properties are difficult to place, especially if the owners do not maintain them properly. A major problem with a vacant property is that it may not be considered a financial asset. This problem results in a moral hazard because the insured profits more from the loss of the property than from its remaining in good condition. Vacant buildings can become havens for vagrants or drug users and fires can be started intentionally or accidentally. Small fires may go unnoticed until the building is heavily involved. Fire departments often allow such buildings to burn down rather than risk the lives of firefighters. The longer a property remains vacant, the more difficult it becomes to maintain coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Vacation Income Property

Vacation Income Property
Unoccupied vacation property that is a financial drain to the owner can be turned into an income producer. When it is unoccupied the expenses for a caretaker to watch over it rise as does the cost to insure a vacant dwelling. However, a property management firm can be hired to oversee and rent out the property. The rental fee should pay for the property management fees, all ongoing costs required to keep the property maintained and generate a profit for the owner. This explanation of insurance benefits is provided by Insurance Marketplace.

Valet Parking

Valet Parking
Hospitals, restaurants, country clubs, hotels, museums, and individuals contract with valet parking services as a courtesy for their guests. Guests stop at a marked valet station, give the vehicle’s key to the attendant, and receive a ticket. The valet parks the vehicle in the appropriate area. When the guest returns, presents the ticket, and pays the parking fee, the valet retrieves the vehicle and returns it to the guest. Additional services such as automobile detailing and shuttle services may also be provided. This explanation of insurance benefits is provided by Insurance Marketplace.

Valued Business Interruption Insurance

Valued Business Interruption Insurance
This is sometimes referred to as per diem business interruption. The insured selects a maximum amount it receives per day because of loss of income sustained following a covered direct property loss. The coverage provided is similar to other types of business income or business interruption coverage forms. This explanation of insurance benefits is provided by Insurance Marketplace.

Vanpool Operators

Vanpool Operators
Getting employess to and from their jobs can be a major problem for certain employers. Many of them hire vanpool operators who transport employees for a fee. The vanpool operations are independent contractors who provide the service for a fee under a written contract. The contract for services is between the employer and the vanpool operator, not with the employees being transported. The major exposure is automobile liability and physical damage. This explanation of insurance benefits is provided by Insurance Marketplace.

Vending Machines Floater

Vending Machines Floater
Inland marine coverage forms and policies insure owned vending machines when located away from the insured's premises. Coverage extends to such property while in transit but not when on the insured’s premises. This explanation of insurance benefits is provided by Insurance Marketplace.

Vessel Pollution

Vessel Pollution
Pollution caused by vessels, such as the Exxon Valdez incident in Prince William Sound in Alaska, can lead to extremely large losses. The vessel pollution coverage pays damages for leaks and spills of crude refined oil and other chemicals by ocean-going vessels that harm the environment. The United States Coast Guard (USCG) must approve any insurer that provides this coverage before coverage is placed with it. If an incident does occur, all clean-up must be conducted according to the Oil Pollution Act of 1990 and any subsequent revisions. This explanation of insurance benefits is provided by Insurance Marketplace.

Veterinarians Professional Liability

Veterinarians Professional Liability
This coverage protects veterinarians from claims for damages that result from alleged malpractice, errors or omissions in the rendering or failing to render professional veterinary services. Underwriting and pricing is based on the services provided and the types of animals involved. Coverage applies to employed veterinarians, partners, and individual veterinarians. This explanation of insurance benefits is provided by Insurance Marketplace.

Video Games/Arcade Centers

Video Games/Arcade Centers
This is general liability coverage for owners of video game and arcade centers. Coverage applies to injuries to game players and other non-employee persons on the premises. Some underwriters include the liability coverage in a package policy, with property coverage usually written on an "all risks" type basis, including replacement cost valuation on property. Loss of earnings coverage and transit coverage is also available. Underwriting factors that must be considered are the premises location, its condition, staffing, and management experience, and stability. This explanation of insurance benefits is provided by Insurance Marketplace.

Warehouse Operators Legal Liability

Warehouse Operators Legal Liability
This coverage insures the liability imposed by law on the insured for loss or damage to (or destruction of) property of others that is in its warehouse. It is written on inland marine coverage forms and policies but is essentially a legal liability bailee coverage. Values can be significant. This explanation of insurance benefits is provided by Insurance Marketplace.

Weather-related Coverages

Weather-related Coverages
Weather insurance is designed to protect the insured sponsor of an outside event or a manufacturer that designs a product (whose promotion depends on a weather-related risk). This coverage is especially useful in three situations: (1) cancellation of events, such as outdoor concerts, civic and fraternal outdoor events, carnivals, lawn parties, outdoor weddings and receptions, parades, and sporting events; (2) as a marketing sales tool, such as an air conditioner manufacturer that offers incentives to customers in order to increase sales but then endures a cool summer, or a snow blower manufacturer that offers refunds if the winter’s snow accumulation is substantially less than average; or (3) to stabilize cash flow, such as when too little snowfall reduces a ski equipment manufacturer's sales. Insurers set objective and observable criteria that must be met in order for a payout to occur. An application that gives details of the event or promotion must be completed before coverage takes effect. This explanation of insurance benefits is provided by Insurance Marketplace.

Weddings

Weddings
A basic insurance policy that covers loss of photos, videos, attire, presents, rings and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185.Rain, some say, can be good luck on your wedding day. But blizzards, sudden injury, or illness, can ruin the happy day. While you may not be able to prevent the unexpected, you can protect a portion of your investment by planning ahead. If you're thinking about buying wedding insurance—also called special event insurance—you should know that it has two parts. Cancellation or postponement coverage is one. If extreme weather forces cancellation, for example, this coverage will reimburse you for deposits or even the entire cost of a service or rental of a venue. It also can help pay for the costs incurred to reschedule the celebration.Whether your claim of extreme weather will be honored is a little less clear. If the wedding is canceled due to weather that has been deemed a state of emergency, the insurance will typically be honored. But if it is canceled due to a severe storm that is localized rather than statewide, the insurance company will have to make a decision. "The other part—liability coverage—indemnifies you if someone is injured during the wedding, or if there is property damage. You can buy either type of wedding insurance coverage, or both types. Before buying wedding insurance, check the coverage you already have. If you have homeowners or renters insurance, for example, these policies will reimburse you if wedding gifts are stolen or lost from your home or car. They also cover injuries to guests. Umbrella coverage, purchased on top of a homeowner policy, increases liability coverage for a small premium.If you plan on holding a wedding at home, consider buying or increasing your policy's umbrella coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Workers Compensation

Workers Compensation
Workers compensation insurance is based on a system of state laws that require employers to provide medical care, disability benefits, and lost wages to employees injured or disabled in the course of their employment. This explanation of insurance benefits is provided by Insurance Marketplace.

Xray/Medical Imaging Centers

Xray/Medical Imaging Centers
If you own part of an imaging center, you may be exposed to malpractice insurance claims made against your physician liability insurance policy. It is important to provide a separate limit of insurance to cover your imaging center, providing a separate malpractice insurance policy to cover each risk element of your practice . Inadvertently many physicians assume that their medical malpractice insurance policies will cover this added exposure. Imaging centers need the protection of a strong and reputable medical malpractice insurance policy. The insurance company should also have a strong risk management program, including site visits and phone consultations designed to take measures to eliminate possible problems before they can result in claims. It is vital to make sure the malpractice insurance policy covers all of the exposures for the imaging center. Most MRI or x-ray clinics are unsure of what to look for when acquiring medical malpractice insurance.  Malpractice insurance needs to cover the particular services offered by the imaging center - including MRI and X-ray exposure, as well as their associated physicians. This explanation of insurance benefits is provided by Insurance Marketplace.

Yachts and Pleasure Boats

Yachts and Pleasure Boats
Package-type policies are available for most types of power and sailing vessels. Property coverage is usually provided on an "all risks" type basis for physical damage (hull) coverage. Liability is provided under protection and indemnity type coverage. Passenger, water skiing liability and property coverage on equipment and trailers are optional coverages that are available. Coverage for boat trailers, personal effects, medical payments, and uninsured boaters are other important available options. Watercraft more than 25 years of age is usually written under separate antique and classic boat programs. This explanation of insurance benefits is provided by Insurance Marketplace.

Youth Group Homes

Youth Group Homes
Youth group homes are residences that serve young persons up to age 19. In addition to providing housing, they provide services such as pregnancy prevention counseling for adolescents, counseling for children with AIDS/HIV, group counseling, individual or family counseling, drug and alcohol treatment, and job training. Some also provide related services such as child adoption, day care, emergency shelter, and family crisis intervention. This classification does not include detention facilities. Abuse and molestation coverage is usually subject to sub-limits of insurance. This explanation of insurance benefits is provided by Insurance Marketplace.

Zoos and Zoological Societies

Zoos and Zoological Societies
Zoos can be very large and diverse or very small and specialized. They may be open to the general public or limited to only researchers. The consistency is that wild animals are kept in a controlled environment in which they are cared for by human handlers. The entities may be governmental, for profit or not-for-profit entities. Risks include walk-through and drive-through zoos, wildlife refuges, parks, and aquariums. Coverages available include commercial general liability, property, commercial automobile, business income, inland marine, workers compensation, crime, food-borne illness, excess/umbrella liability, and professional liability. Animal mortality coverage may be available on a stand-alone basis. This explanation of insurance benefits is provided by Insurance Marketplace.

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