Underwriting
Maximum underwriters are highly trusted by specialized markets.
Maximum underwriters are highly trusted by specialized markets in the development and handling of exclusive to semi-exclusive programs. We knock on the doors of top insurance companies to get the exclusive pen for complex and specialized needs.
We also have the binding authority facilities for small to mid size accounts at our disposal. Our underwriters and brokers focus on the same industry segments. We align this way so that if the opportunity is there, it is easier for you to obtain and source coverage solutions.
Beyond being critical and analytical thinkers, the Maximum underwriting team excels in communicating and managing time constraints to get the right coverage for your clients.
Focus:
This program is designed for small-to-mid-sized property accounts. Target classes of business include, but are not limited to the following:
ApartmentsRetail Offices
Condos
Grocery Stores
Contractors Equipment
Restaurants, Bars and Taverns
Warehouses
Gas Stations
Vacant Buildings
Coverage cannot be written on a monoline basis
Minimum Premium:
$250Minimum Deductible:
$500Coverage Options:
Property (coastal wind available)Builders Risk
Inland Marine (IM)
Business Personal Property (BPP)
Limits:
Occurrence & Aggregate LOL: $2,500,000, (up to $10,000,000 with referral)Maximum TIV, per location: $1,000,000
Requirements:
Completed applications & supplemental application, if requiredFavorable inspection, if required
Current plus 2-year prior loss history
State Availability:
Countrywide; Regional TargetsCarrier:
Various carriers with A.M. Best Rating of “ A-“ or higher (non-admitted)
Focus:
This program is designed for small to mid-sized casualty accounts up to $50,000 in premium. Target accounts include, but are not limited to the following:
HabitationalContractors
Lessors Risks
Retail Offices
Vacant Buildings
Vacant Land
Warehouses
Hotels/Motels
Restaurants, Bars & Taverns
Receiverships
New Ventures
Special Events
Minimum Premium: Varies By State:
$500-1,000Coverage Options/ Optional Extensions Examples:
General LiabilityHired Auto Liability
Non-Owned Auto Liability
Owners / Contractors Protective
Limited Terrorism Buyback Endorsement
Blanket Additional Insureds
Blanket Waver of Subrogation
Primary & Non-Contributory Wording
Innkeepers Legal Liability
Limits:
General Aggregate: $200,000 – 2MMProducts & Comp Ops Aggregate: $200,000 – 2MM
Personal Advertising Injury: $100,000 – 1MM
Each Occurrence: $100,000 – 1MM
Damage to Rental Premises: $100,000
Medical Expense: $10,000
Requirements:
Completed applications & supplemental application, if requiredFavorable inspection, if required Current plus 2-year prior loss history
State Availability:
Countrywide; Regional TargetsCarrier:
National carrier with A.M. Best Rating of “ A-“or higher (non-admitted)
Focus:
This program offers small-to-mid sized accounts excess liability & umbrella coverages. Target accounts include, but are not limited to the following:
HabitationalContractors
Lessors Risks
Retail Offices
Vacant Buildings
Vacant Land
Warehouses
Hotels/Motels
Restaurants, Bars & Taverns
Receiverships
New Ventures
Coverage can be written on a monoline basis – over primary carrier’s GL policy
Minimum Premium:
$500Coverage Options:
Excess Liability – form followingUmbrella including excess coverage for GL, Auto Liability and Employment Liability
Limits:
Up to $10MMRequirements:
Completed applications, supplemental application (if applicable)Current plus 4-year prior loss history
State Availability:
CountrywideCarrier:
National carrier with A.M. Best Rating of “ A-“or higher (non-admitted)
Focus:
This program provides liability coverage for commercial and private trucking firms consisting of 1-15 power units & larger fleets travelling local, regional & long-haul. Target accounts include, but are not limited to the following:
General Freight
Refrigerated Commodities
Building Materials
Produce
Livestock
Non-Hazardous Commodities
Haulers
– Container Haulers
– Auto Haulers
– Tank Haulers
– Grain Haulers
– Heavy Machinery Haulers
– Steel Haulers
Any line of coverage can be written on a monoline basis
Minimum Premium:
$500
Coverage Options:
Auto Liability
Physical Damager
Motor Truck Cargo
Non-Trucking Liability
Trucker GL (Non-Admitted)
Limits:
$1MMRequirements:
Completed applications, supplemental application, if applicableCurrent vehicle and drivers lists
Current plus 2-year prior loss history
Last 4 quarters IFTA Reports
MVR’s
State Availability:
All statesCarrier:
National carrier with A.M. Best Rating of “ A-“or higher (admitted)