Underwriting


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.

Small Property Package Program


Contact
Person: Kandy Pinkstaff
Phone: 813-999-4977
Email: KANDYP@MAXIB.COM
Focus:

This program is designed for small-to-mid-sized property accounts. Target classes of business include, but are not limited to the following:

Apartments
Retail 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:
$250

Minimum Deductible:
$500
Coverage 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 required
Favorable inspection, if required
Current plus 2-year prior loss history

State Availability:
Countrywide; Regional Targets

Carrier:
Various carriers with A.M. Best Rating of “ A-“ or higher (non-admitted)

General Liability Program


Contact
Person: Kandy Pinkstaff
Phone: 813-999-4977
Email: KANDYP@MAXIB.COM
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:

Habitational
Contractors
Lessors Risks
Retail Offices
Vacant Buildings
Vacant Land
Warehouses
Hotels/Motels
Restaurants, Bars & Taverns
Receiverships
New Ventures
Special Events

Minimum Premium: Varies By State:
$500-1,000

Coverage Options/ Optional Extensions Examples:
General Liability
Hired 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 – 2MM
Products & 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 required
Favorable inspection, if required Current plus 2-year prior loss history

State Availability:
Countrywide; Regional Targets

Carrier:
National carrier with A.M. Best Rating of “ A-“or higher (non-admitted)

Excess Liability and Umbrella Program


Contact
Person: Kandy Pinkstaff
Phone: 813-999-4977
Email: KANDYP@MAXIB.COM
Focus:

This program offers small-to-mid sized accounts excess liability & umbrella coverages. Target accounts include, but are not limited to the following:

Habitational
Contractors
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:
$500

Coverage Options:
Excess Liability – form following
Umbrella including excess coverage for GL, Auto Liability and Employment Liability

Limits:
Up to $10MM

Requirements:
Completed applications, supplemental application (if applicable)
Current plus 4-year prior loss history

State Availability:
Countrywide

Carrier:
National carrier with A.M. Best Rating of “ A-“or higher (non-admitted)


Commercial Transportation Program


Contact
Person: Mary McKay
Phone: 314-721-4595
Email: MARYM@MAXIB.COM
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:
$1MM

Requirements:
Completed applications, supplemental application, if applicable
Current vehicle and drivers lists
Current plus 2-year prior loss history
Last 4 quarters IFTA Reports
MVR’s

State Availability:
All states

Carrier:

National carrier with A.M. Best Rating of “ A-“or higher (admitted)

Services:
Leading-edge Loss Control and Claims handling services