Your Success is Our Policy.®

Transcription

Contents
Assembled in this document are the
Product and Service Overview sell sheets
for AmTrust North America. Please
reference the table below. The number
listed is the actual page number of this PDF.
If you have any questions or issues,
please contact Mark Gunn at
mark.gunn@amtrustgroup.com.
General Overview
AmTrust Advantages.............................................................................................3
Financial Strength.................................................................................................5
AmTrust Online.....................................................................................................6
Claims Capability..................................................................................................8
Flexible Payment Options......................................................................................10
Coverage
Workers’ Compensation Coverage........................................................................12
Businessowners Policy Coverage.........................................................................13
AutoService Plus Coverage...................................................................................14
Commercial Auto Coverage..................................................................................15
EPLI Coverage......................................................................................................16
FI Advantage Coverage.........................................................................................17
Nonprofit Organization Coverage..........................................................................19
Nonprofit Businessowners Policy Coverage..........................................................20
Nonprofit Management Liability Coverage.............................................................21
Nonprofit State Unemployment Insurance.............................................................22
Lumber Specialty Coverage..................................................................................23
Transportation Coverage.......................................................................................24
Restaurant Coverage............................................................................................25
Inland Marine Contractors Equipment Coverage...................................................26
877.528.7878 • www.amtrustnorthamerica.com
AmTrust Advantages
AmTrust North America provides a suite of small
business insurance products including: workers’
compensation, BOP, commercial package, general
liability, property, inland marine, employment liability,
commercial auto, lumber specialty and garage.
These lines have also been customized to fit the auto
service repair, financial institution, lumber, nonprofit,
restaurant and transportation sectors for the niche
products we offer.
Why Choose AmTrust?
Financial Strength
Flexibility
Rely on AmTrust North America’s strength and security for your
insurance needs.
We have multi-state capability, multi-tiered pricing and multi-line
capability, combined with exceptional customer service and a
dedicated staff of insurance professionals, who all share the
same vision. Insurance is our product, customer service is our
business.
Payment Options
We have cost-effective and flexible payment options to fit
your needs. We offer a variety of ways to pay including online
payment, as well as payment by phone or check.
Risk Management
At AmTrust North America, we specialize in risk management
solutions and are dedicated to helping you mitigate losses in
the workplace. Whether you require safety and loss prevention
assistance, underwriting support, risk management and
administration, auditing, inspection or overall risk management
solutions, we give you the individualized attention your company
deserves.
•
A.M. Best rating of “A” (Excellent) FSC “XIV”
•
Ranked 3rd nationwide in SNL Financial’s April 2016
workers’ comp market share report
•
Publicly traded on the NASDAQ Global Market under the
stock symbol AFSI
•
More than $17.1 billion in total assets
•
More than $6.8 billion in written premium
•
Net combined ratio of 91.0%
Claims Service
We have a 24/7 Claims Reporting Center where our Claims
Specialists will provide you with live assistance when reporting
a claim that can be accessed online. Regional claims
professionals located nationwide, such as dedicated adjusters
and a medical director, properly take care of your claim and
ensure a seamless and efficient process.
877.528.7878
www.amtrustnorthamerica.com
AmTrust Advantages
Top 10 Reasons to Select AmTrust North America
1.
Financial Strength and Stability – Publicly traded on the
NASDAQ (AFSI) global market with more than $6.8 billion
in gross written premium and over $17.1 billion in assets,
with an A.M. Best rating of “A” (Excellent).
2.
Multi-State Capability – Workers’ Comp written in more
than 40 states and all lines insurance written in more than
30 states.
3.
4.
5.
6.
7.
8.
Flexible Payment Plans – Installment plans, AmTrust
AutoPay (direct debit) and Pay-As-You-Owe® (PAYO®)
Our Products Include:
provide seamless premium payments, saving time and money.
Monoline Workers’ Compensation Insurance
Superior Claims Handling – 24/7 claims reporting with
AmTrust North America, through the AmTrust Group of
live assistance, and seasoned claims professionals with
insurance carriers, offers agents the opportunity to quote mono-
assigned case loads well below the industry average.
line Workers’ Compensation for small to mid-size businesses.
Exceptional Loss Control – Representatives located
E&S Insurance Services
nationwide to conduct safety inspections, site evaluations and
AmTrust offers excess and surplus lines insurance for
loss prevention training.
businesses with unique exposures looking for property and
User-Friendly Online Submission System – Easy-
casualty coverage.
to-use web-based submission system provides policy,
Surety Bonds
endorsement and loss history at your fingertips, and allows
AmTrust Surety offers a comprehensive line-up of surety bond
you to submit and chat online with your underwriter about a
products for contractors, developers, other business entities
submitted risk.
and individuals throughout the country.
Competitive LCM Rate Structure – We continuously
Commercial Package Niche Products
evaluate and adjust our LCMs to reflect our loss experience
We understand that every business is unique. That’s why we’ve
and competitive environment.
developed our niche products for targeted industries and
Competitive Agency Commission – Our commission
rates generally range from 9%-20% based upon the
product written.
needs, including:
•
Auto Service Plus
•
Businessowners Policy (BOP)
•
Commercial Auto
Expanding P&C Product Offering – We continuously
•
Employment Practice Liability Insurance (EPLI)
evaluate the market and our agents’ needs to deliver new
•
FI AdvantageSM (Financial Institutions)
coverages from Workers’ Comp to Commercial Package
•
Inland Marine Contractors’ Equipment
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Lumber Specialty
•
Nonprofits
10. Satisfying Customer Service – Exceptional service
•
Restaurant
is the mantra at AmTrust, delivered by our field sales
•
Transportation
9.
and a wide variety of niche products.
representatives, regional underwriters and centralized
For more information about our product offerings, visit
customer service professionals.
www.amtrustnorthamerica.com.
MKT0645 3/16
Financial Strength
AmTrust North America is a subsidiary of AmTrust
Financial Services Inc., a P&C insurance holding
company publicly traded on the NASDAQ Global
Market under the stock symbol AFSI.
AmTrust Financial Services provides the financial
strength and security you deserve, reflected by the
following annual financial performance.
•
A.M. Best rating of “A” (Excellent)
FSC “XIV”
TOTAL ASSETS
GROSS WRITTEN PREMIUMS
GROSS WRITTEN
PREMIUMS
TOTAL ASSETS
6.8
17.1
6.1
13.8
•
Ranked 3rd nationwide in SNL
Financial’s April 2016 workers’ comp
market share report
•
Publicly traded on the NASDAQ
Global Market under the stock symbol
AFSI
•
More than $17.1 billion in total assets
•
More than $6.8 billion in gross written
premium
•
Net combined ratio of 91.0%
11.3
4.1
7.4
2.7
5.8
2.1
NET INCOME
NET INCOME
472.0
2011
434.3
2012
2013
2014
2015
2011
2012
2013
2014
2015
$ BILLIONS
$ BILLIONS
NET COMBINED RATIO
NET COMBINED RATIO
278.2
170.4
178.0
2011
2012
2013
$ MILLIONS
2014
2015
91.6
90.1
90.5
90.7
91.0
2011
2012
2013
2014
2015
% PERCENTAGE
877.528.7878
MKT0646 4/16
AmTrust Online
By logging into AmTrust Online, the
policy information portal at our website,
www.amtrustnorthamerica.com, you can
access a wide variety of useful account
information, including claims and billing details.
Policyholders Can:
•
•
•
•
•
•
•
•
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View basic policy information, including endorsement
history, installments and policy receivables
Add policies
Make payments
Access claims or loss runs
File first reports of claims or injuries in the following eligible
states: AR, CA, FL, GA, IA, ID, KY, MD, MS, NJ, NM, NY,
SC, UT, PA
View recent claims activity
Register for direct debit
Manage profile information
Change email or password information
Logging in
1. Please have your policy number, effective date and billing
zip code available for registration
2. Go to the AmTrust website at www.amtrustnorthamerica.com
3. In the upper right corner of the home page, you will see the
AmTrust Online Insured Registration link; click link
4. Enter the policy number and zip code to begin the
registration process and select “Enter”
5. Enter the effective date & select “Next”
6. Complete the registration process by entering your email
address and create a username and password
7. After completing the registration process, go back to
www.amtrustnorthamerica.com and log in
8. If you have any difficulty logging in, please contact our
Customer Service Department at 877.528.7878
Make a Payment
1.
After logging in, select the “Make Payment” link
2.
Select “Pay Now”
3.
Choose the payment option and click “Select”
4.
Enter the payment information and select “Pay”
Reporting an Injury
1. Click on the “View Claims” icon next to the account number in
Policy Overview
2. Click on the blue “View” link next to your current policy
number on the Policy Listing page
3. Select the “First Reports” link
4. Select “Complete” if you are entering a new “First Report
of Injury” or “In Progress” if you have previously started the
First Report
5. Select “WebForm.” This will take you to the new First
Report of Injury page; complete the form as it applies to
your injured worker
6. When completed, select “Submit,” or if additional
information is needed, select “Save as Draft”
7. To insure the report was submitted, select “First Report” at
the top of the page
8. This will take you to the Policy Detail page where the
following information will be available:
- Claimant Name
- SSN
- Loss Date
- Policy Number
- Insured Name
877.528.7878
AmTrust Online
Access Loss Runs or Claim Information
Go Green Paperless Option
1.
By signing up for our “Go-Green” paperless option, you can
instantly access an electronic PDF file for the following materials:
2.
3.
4.
Click on the “View Claims” icon located next to the account
number in Policy Overview
For loss runs, select the WC loss run report or the CPP loss
run report located on the navigation menu at the left
For claim information, select the “Claims Search” option
under the Claims menu
Enter the Claimant name, claim number or social security
number to review the claim information
•
Policies
•
Endorsements
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Reinstatements
•
Non-renewals
•
Cancellations
To sign up, please take the following simple steps:
1.
Visit the AmTrust website at www.amtrustnorthamerica.com
2.
Log into AmTrust Online in the upper right-hand corner of
the home page
3.
After logging in, a “Go Green with AmTrust” banner will
appear at the top of the page, along with a “Go Green”
icon among the bullets on the left side of the screen.
4.
Click either “Go Green” icon to get started.
5.
In the “Go Green banner” at the top of page, a message
will now appear that says, “Receive print electronically.”
6.
Click the check box next to this message.
7.
You are now signed up for the Go Green program.
8.
Policies, endorsements, reinstatements, non-renewals and
cancellations will now all become electronic notifications
with links to PDF files in your File Room.
9.
You can either save these PDF files to your computer, or
print them if necessary.
Loss Control Library
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Offers a wide array of safety and educational materials
that cover technical guidance, general safety and training
resources for workers’ comp and commercial package
These resources provide policyholders with aid in
controlling hazards, training employees and solving
specific risk management problems
To access the Loss Control resources, visit the AmTrust
website at www.amtrustnorthamerica.com and click the
“Loss Control” heading
MKT0644 2/15
AmTrust Claims Capability
At AmTrust, our claims philosophy is rooted
in our overarching commitment to providing
our policyholders high-quality service in
a timely fashion. We maintain one of the
lowest cases-per-adjuster ratios in the
insurance industry, enabling our claims
team to give our policyholders the individual
attention they deserve.
Our capabilities focus on both workers’ compensation
and commercial lines specific to property and liability
(CPP) coverage. To ensure we are providing our
customers with the utmost fairness and professionalism in
all cases, we evaluate claims values based on lost wages,
medical expenses and state-established injury/ damage
values.
CPP
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Highly qualified panel of defense attorneys
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Adjusters specialized by claim types with an average
of 24 years of experience
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Field adjusters who travel to loss locations for direct
assistance
Convenience
AmTrust has always been committed to using evolving
technology to make it easier for our customers to interact
with us and access vital information related to their
insurance policies. To that end, we maintain:
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Automated claims systems
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Paperless claim filings and electronic claim notes
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Claims reporting hot line
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Direct phone line and email access to all claims
adjusters
Professional Staff
We treat our policyholders with respect and work
diligently to gather the information necessary to pay
claims promptly. This would not be possible without our
seasoned claims team, which is comprised of:
Workers’ Compensation
Fraud Prevention
We understand that insurance fraud is an industry-wide
problem that contributes to the rise in cost of premiums
for business owners. To reduce the likelihood of fraud, our
fraud detection unit provides:
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Nearly 350 claims adjusters nationwide
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Training
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More than 200 professionals with an average of 21
years of experience
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Reviews of possible fraudulent claim files
•
Staff physician to assist in assessing injuries,
treatments and return-to-work timeframes
•
In-depth investigation of suspected fraudulent claims
•
Detailed reports to the appropriate authorities
877.528.7878
AmTrust Claims Capability
AmTrust Online
By logging into AmTrust Online, the policy information
portal at our website, www.amtrustnorthamerica.com,
policyholders can access a wide variety of account
information, including reporting an injury, accessing claims
information, viewing loss runs or making payments. The
following instructions will help you get started.
Logging in
1. Please have your policy number, effective date and
billing zip code available for registration
2. Go to the AmTrust website at
Figure 2
Reporting an Injury
1. Click on the “View Claims” icon next to the account
number in Policy Overview (reference figure 2)
2. Click on the blue “View” link next to your current
policy number on the Policy Listing page
Figure 1
3. In the upper right corner of the home page, you will
see the AmTrust Online Insured Registration link; click
link (reference figure 1)
4. Enter the policy number and zip code to begin the
registration process and select “Enter”
5. Enter the effective date & select “Next”
6. Complete the registration process by entering your
email address and create a username and password
7. After completing the registration process, go back to
www.amtrustnorthamerica.com and log in
8. If you have any difficulty logging in, please contact our
Customer Service Department at 877.528.7878
Contact Information
Workers’ Comp Claims
First Report of Claim (24/7):
P: 866.272.9267
F: 877.669.9140
E: amtrustclaims@qrm-inc.com
Claims Status: 888.239.3909
For Florida Workers’ Comp Only
First Report of Claim:
P: 888.225.2442
F: 561.241.3257
E: flclaims@amtrustgroup.com
MKT0425 2/15
3. Select the “First Reports” link
4. Select “Complete” if you are entering a new “First
Report of Injury” or “In Progress” if you have
previously started the First Report
5. Select “WebForm.” This will take you to the new First
Report of Injury page; complete the form as it applies
to your injured worker
6. When completed, select “Submit,” or if additional
information is needed, select “Save as Draft”
7. To insure the report was submitted, select “First
Report” at the top of the page
8. This will take you to the Policy Detail page where the
following information will be available:
- Claimant Name
CPP Claims
First Report of Claim:
P: 877.207.3119
F: 877.207.3961
E: anaclaimsreporting@
amtrustgroup.com
- SSN
- Loss Date
- Policy Number
Flexible Payment Options
Paying insurance premiums shouldn’t be a
hassle. That’s why AmTrust North America
offers a variety of methods and installments
for insureds to pay – to make it simple
and convenient.
Payment Options
•
•
•
•
•
AmTrust AutoPay — Direct debit / EFT
Credit Card — Online or by phone MasterCard®,
Discover®, VISA® and American Express® accepted
Check or Electronic Check — Online or by phone
Pay-As-You-Owe® (PAYO®) — Applies only to workers’
comp policies
Monthly Self Reporting — Applies only to workers’
comp policies
AmTrust AutoPay
With this direct debit payment option there’s no need to worry
about writing a check every month. Once signed up, payments
will be automatically withdrawn from the designated bank
account.
To sign up, visit www.amtrustnorthamerica.com, log into AmTrust
Online and click “Register”. All of the information needed to
register can be found on the insured’s invoice. Once registered,
there is a menu item to sign up for Direct Debit. Complete the
needed information and payments will begin being automatically
deducted each month.
If changes need to be made to the bank information, simply
go back to AmTrust Online and modify the banking information
as needed. If the online option is not viable, Direct Debit
authorization forms are also available by calling our Customer
Service Department at 877.528.7878.
The payroll companies calculate the premium at the same time
they are calculating the payroll for the insured and submit the
report directly to AmTrust on the insured’s behalf.
Benefits of PAYO include:
•
No deposit or down payment required at policy inception
or at renewal
•
Improves cash flow – employer pays workers’
compensation based on actual payroll
•
Simplifies work for employer, since payroll company
handles the calculation
•
No checks to write or invoices to pay; per pay period
direct debit by payroll company or AmTrust
•
Reduces the chance of additional or return premium at
audit
Getting a payroll company approved is easy. AmTrust will
confirm that the payroll company has the proper reporting
information required, and provide the payroll company with our
reporting specifications to help simplify the approval process.
To find out if a payroll company is approved or to submit a
payroll company for approval, please contact your regional sales
manager.
Pay-As-You-Owe® (PAYO®)
Workers’ compensation premium is based on payroll. To make
premium payments as seamless as possible, we offer PAYO, the
perfect payment solution. PAYO works with approved payroll
companies nationwide to make premium payments seamless
for the insured.
877.528.7878
PAYO® and Pay-As-You-Owe® is owned by
AmTrust Financial Services, Inc.
Flexible Payment Options
Payment Plans
Additional Ways to Pay
For a listing of our flexible payment plans, please contact your
sales representative or our Customer Service Department at
877.528.7878. We are sure there is a payment plan that is right
for you.
If the aforementioned payment options do not fit your needs,
you can also pay by check, phone (credit card or electronic
check) or by providing a monthly self report.
To pay by phone, call our Customer Service Department at
877.528.7878 between 8 a.m. – 6 p.m. ET.
To pay Direct Bill invoices by check, submit payment to:
AmTrust North America
P.O. Box 6939
Cleveland, OH 44101-1939
For monthly self-reporting policies, the insured can submit
their payroll by class code and make payment online at www.
amtrustnorthamerica.com or by completing the monthly selfreporting form that is mailed to them and submitting it to the
address below with a check.
AmTrust North America
P.O. Box 5849
Cleveland, OH 44101-0849
Online Payment
Busy schedules call for flexibility. AmTrust offers that flexibility
with 24/7 online payment for insurance premiums.
Signing up is simple. Go to AmTrust Online at
www.amtrustnorthamerica.com and click on “Insured
Registration.” All of the information needed to register can be
found on the insured’s invoice. Once registered, payments
can be made by paying the minimum payment, full balance or
anything in between with a credit card or electronic check.
MKT0430 2/15
Workers’ Compensation Coverage
AmTrust North America has been ranked
the 3rd largest workers’ compensation
insurance company nationwide in a recent
market share report.
AmTrust’s multi-tiered carrier approach
gives us a competitive advantage with
pricing flexibility.
Carriers
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AmTrust Insurance Company of
Kansas
Associated Industries Insurance
Company
First Nonprofit Insurance Company
Milwaukee Casualty Insurance
Company
Rochdale Insurance Company
Security National Insurance
Company
Sequoia Insurance Company
Technology Insurance Company
Wesco Insurance Company
Submission Platforms
•
The AmTrust Bind Online system
targets our most select job classes,
allowing fast, same-day binding of
coverage with minimal underwriting
•
This system also enables agents
and policyholders with a secure user
name and password to view policies
and claim details or make a payment
online. All of this can be done at
any time, day or night, right at our
website
•
The Direct Submit system generates
a quote indication and submits it to
the underwriter for consideration in
the AmTrust Online submission portal
Preferred Exposures
Payment Flexibility
AmTrust has more than 350 eligible
classes of business. Below are just a few
of our preferred classes:
Payment Options
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Artisan contractors
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Beauty shops
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Buildings – operations by owners or
contractors
•
Doctors & dentists
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Grocery stores
•
Machine shops – light metalworking
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Private schools
•
Professional offices
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Restaurants
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Retail stores
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Wholesale stores
•
Check
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AmTrust AutoPay (direct debit/EFT)
•
Credit Card (online or by phone)
•
Electronic Check (online or by
phone)
•
Pay-As-You-Owe® (PAYO®)
•
Monthly Self Reporting
Payment Plans
For a listing of our flexible payment plans,
please contact your sales representative
or our Customer Service Department
at 877.528.7878. We are sure there is a
payment plan that is right for you.
Underwriting Guidelines
Guidelines may vary geographically.
•
At least one full-time employee (in
addition to the owners)
•
Fewer than 75 employees at a single
location at the same time
•
Generally one year in business with
workers’ compensation coverage
•
Prefer three years prior coverage on
artisan contracting risks
•
Will consider new ventures / no
prior coverage for most main street
business
877.528.7878
MKT0619 5/16
Businessowners Policy Coverage
AmTrust North America offers a competitive
Businessowners Policy (BOP) that can be
easily tailored to specific risks. Our BOP can
be issued as a stand-alone product or as a
complement to our workers’ compensation
insurance or commercial auto products.
Coverage
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10% discount for workers’ comp
policyholders
Umbrella up to $10 million
Hired and non-owned auto available
if business does not deliver or have
commercial auto policy
Extensive coverage enhancements
Processing and Service
•
TIV for building and BPP up to $5 million
per location
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Revenue up to $5 million per location
•
All construction types; may occupy up to
2 stories
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20,000 square foot maximum
•
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Buildings over 35 years old require
complete electrical, plumbing, HVAC and
roof updates
•
Preferred Exposures
Unless otherwise specified, each category
below is eligible for bind online.
Mercantile/Retail
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per location
2 stories
roof updates
Offices
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per location
6 stories
roof updates
Wholesaler
Restaurants
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frame and $5 million per location
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Frame must include full sprinkler system
•
roof updates
•
All commercial cooking equipment must
have a UL300 wet extinguishing system
and a service contract for inspections
every 6 months
•
No open solid fuel cooking (barbequing)
with wood, charcoal or mesquite, with
the exception of pizza ovens
•
Liquor Liability coverage is not available
in or within 10 miles of: AL, CT, IA, MN,
PA, UT, VT and WV
per location
20,000 square foot maximum and up to
2 stories
All construction types; frame over 5,000
square feet must include full sprinkler
system
Buildings over 35 years old require complete
electrical, plumbing, HVAC and roof updates
Ineligible Exposures
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Manufacturing
Contractors
Hotels and motels
Buildings with over 25% vacancy
24–hour retail or seasonal operations
No flood coverage
New-venture habitation, convenient
stores, grocery stores or restaurants with
commercial cooking or liquor sales
Florida
Businesses with commercial cooking or alcohol
sales are not bind-online eligible and must
be submitted to our underwriting department
with our supplemental application or have a
pre-quote survey conducted by our loss control
group over the phone.
877.528.7878
MKT0625 10/15
AutoService Plus Coverage
AmTrust North America offers coverage tailored to the
needs of the automobile services sector. The Auto
Service Plus product provides specialized coverage
for real and personal property, business income,
employees’ tools, garage liability, garagekeepers’
physical damage and the insureds’ own autos.
Whether a single location or many, AmTrust also offers
enhanced property coverage, including equipment
breakdown and umbrella limits to suit insureds’ needs.
Product Flexibility
•
•
•
•
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GL and Property Package
capabilities for operations incidental
to garage operations
Single or multi-location / multi-state
capabilities
Property enhancement coverage,
including Equipment Breakdown
Umbrella limits to suit most insureds’
needs
Garage Extension Endorsement,
including:
- Title E&O
- Insurance Agents E&O
- Truth in Lending E&O
- Odometer Alteration Liability
- Defective Products Liability
- Auto Dealers Legal Defense
Coverage
- Fellow Employee Coverage
Preferred Exposures
Auto Service Plus covers a wide range of
automobile sales and service operations,
including but not limited to the following classes:
•
Lube and oil service
•
General auto service and repair
•
Tire shops
•
Brake service and repair
•
Transmission service and repair
•
Paint and body shops
•
Car wash and detailing – including
mobile operations
•
Franchise and independent auto dealers
•
RV dealers
Note: Franchise and independent auto
dealer and RV dealer classes require
separate contract; contact your regional
sales manager.
Coverage Options
•
•
•
All sales and service operations must
demonstrate that they have:
•
Garagekeepers Legal Liability
Coverage for damages to a
customer’s auto in which an insured
is legally liable
Garagekeepers Direct Primary
customer’s auto regardless of
whether an insured is legally liable
Garagekeepers Direct Excess
customer’s auto regardless of
whether an insured is legally liable;
however, only over any other
collectible insurance
Submission Requirements
•
AmTrust garage application
•
AmTrust supplemental applications
for specified classes
Adequate business experience and
management skills evidenced by the
following:
- Sound financials
- Excellent hiring practices
- Excellent housekeeping and
loss prevention
•
Modern equipment including (if
applicable) UL-listed paint booths,
storage cabinets and ventilation
systems
•
Access to current technical service
bulletins
It is preferred that there be at least one
ASE or equivalent certified mechanic
employed.
•
Poor service practices
•
Poor housekeeping
•
Outdated or unsafe equipment & tools
•
Working out of a personal residence
or garage
877.528.7878
MKT0626 2/15
Commercial Auto Coverage
AmTrust North America offers commercial
automobile liability and physical damage
coverage designed to protect light,
medium and heavy vehicles with local and
intermediate radius. From single units to
large fleets, AmTrust offers liability limits
from $300,000 to $1 million combined
single limit (CSL).
Preferred Exposures
Our commercial automobile product
covers a wide range of businesses,
including the following:
• Contractors (commercial and
residential)
- Alarm installers
- Electrical
- Fencing
- Floor covering
- Framing
- General
- HVAC
- Irrigation
- Landscaping
- Masonry
- Painting
- Plumbing
- Roofing
• Distributors
- Auto parts dealers
- Beverage
- Food
• Energy
- Oil field service
- Natural gas service vehicles
• Pest control services
• Appliance repair
•
Ambulances
•
Building wrecking/razing
•
•
Complete ACORD application
with FEIN
Car haulers
•
Three years of loss runs
•
Dump truck operations
•
Current driver list
•
Emergency vehicles
Payment Flexibility
•
Fast food delivery
Payment Options
•
Fire departments
•
Check
•
Garbage collection
•
AmTrust AutoPay (direct debit/EFT)
•
Heavy equipment movers
•
Credit Card (online or by phone)
•
Iron/steel hauling
•
•
Livery operations
Electronic Check (online or
by phone)
•
Livestock hauling
Payment Plans
•
LPG transporting
•
Mobile home transport
•
Para transit
•
Pipe line contractors
•
Softwood loggers
For a listing of our flexible payment
plans, please contact your sales
representative or our Customer Service
Department at 877.528.7878. We are
sure there is a payment plan that is right
for you.
•
Street/road contractors
•
Tow truck operations
•
Winching/boom operations
•
Wreckers
877.528.7878
MKT0631 2/15
EPLI Coverage
Employment Practices Liability Insurance
(EPLI) is a valuable insurance product
specifically designed to protect businesses
from employment practices liability
exposure. It is inexpensive, comprehensive
and provides free risk and employee
management services previously available
only to larger companies.
Coverage
•
•
•
•
Available for all employees,
including full-time, part-time,
seasonal, temporary, volunteers and
independent contractors
Claims made and reported form
Standard and enhanced coverage
options
Enhanced version includes
inappropriate third party conduct
and punitive damages
Product Advantages
Straightforward underwriting rules
•
Financial service organizations
•
Competitive pricing
•
Motion picture production offices
•
No minimum premium
•
Radio/TV stations
•
Dedicated claims handling with
personal contact within 24-48 hours
after claims notification
•
Sales organizations
•
Risk management website for agents
and insureds
•
Self-insured retention reduced by 50%
for termination or demotion claims if
prior consultation was made to EPLI
Hotline or approved labor law attorney
•
When we coordinate the defense
counsel, costs are 35% less than
when a policyholder selects their own
Definition of an Insured Event
•
•
•
•
•
•
•
Discrimination
Sexual harassment
Wrongful termination, demotion or
discipline
Failure to hire, promote, fire or demote
Wrongful infliction of emotional distress
False imprisonment, detention or
malicious prosecution
Libel, slander, defamation of
character or invasion of privacy
EPLI Coverage can be automatically added
to bound commercial package policies in
eligible classes. A short form application
must be completed for limits over $250,000
or enhanced coverage. A long form
application is required for applicants with
over 100 full-time equivalent employees.
•
Preferred Exposures
•
Contractors
•
Doctors’ offices
•
Hotels
•
Law offices
•
Manufacturers
•
Restaurants
•
Retail establishments
•
Wholesalers
Support Tools
•
Unlimited access to www.
amtrustworkplace.com, an
employment-related risk
management website
•
Online training for preventing sexual
harassment, which meets the
stringent legal requirements of states
such as CA, MN, ME and HI
•
Online training for employee
terminations and employee
discrimination prevention
•
Information on compliance with
wage and hour laws
•
Customizable employment policies
and procedures available in English
and Spanish:
- Example employee handbooks
- HR policies
- Procedure manuals
- FAQs
These services are not compulsory but are
recommended and kept up-to-date should
you choose to use them.
877.528.7878
MKT0624 2/15
FI AdvantageSM Coverage
AmTrust’s Financial Institutions division understands
the unique risks each financial institution faces
in the current banking, regulatory and insurance
environments. Our underwriters have extensive
industry knowledge and will help structure an
insurance program that will help your clients
effectively manage their risks. AmTrust’s FI
AdvantageSM products offer comprehensive
insurance coverage that can be tailored to the
specific needs of each risk.
Product Descriptions
Directors & Officers Liability
Protects the directors and officers
against allegations of negligence,
mismanagement, errors and omissions.
Additional A-side coverage options are
also available.
Professional Services Liability
Protects the insured against suits arising
from the “professional services” offered
to customers; e.g. brokerage services,
insurance services, depository services, etc.
Lender Liability
Protects the insured against suits brought
by borrowers or guarantors. The “Broad
Form” Endorsement expands coverage to
suits brought by other individuals or entities.
Securities Liability
Covers the company against suits
stemming from the purchase or sale of
company securities, including individual
actions, class actions and derivative
actions.
Employment Practices Liability
Protects the insured against suits alleging
Harassment, Discrimination, Wrongful
Termination and other employment-related
matters. Coverage for “non-employee”
(third-party liability) suits is available for
additional premium.
Network Security & Privacy Liability (Cyber)
Covers the insured for suits arising
from the institution’s internet /
electronic activities. Includes Media
Communications Liability, which includes
allegations of libel, slander, defamation
and invasion of privacy. Also includes
optional coverages for: Regulatory
Defense and Penalties, Crisis Mitigation
Expense, Cyber Extortion and Business
Interruption.
Financial Institution Bond
Provides the fidelity bond and other fraud
coverages financial institutions face doing
business in the 21st century.
Excess Deposit Bond
Provides coverage for deposits in excess
of the FDIC limits, enabling financial
institutions to attract and retain larger
depositors. Covers all account and
depositor types.
CPP, Workers’ Comp & Umbrella
Most ISO coverages are available,
enhanced with the Advantage and
Advantage Plus endorsements.
Foreclosed / Force Placed Property
Protects the lender’s interest in the
property if the borrower lets coverage
lapse or in the event of foreclosure.
Available on a reporting form.
Civil Money Penalties
Protects Directors & Officers for penalties
directly against them by regulatory
agencies. This policy fills the coverage
gap created when the FDIC mandated
coverage be removed from the D&O Policy
in 2013.
EFT Guard
Provides coverage for Corporate Account
Takeovers when a data breach or hack
occurs on the commercial account
customer’s computer system (and the
bank is not legally liable under UCC).
Availability
• Professional Lines products are not
available in AK, HI, NY or VT
• P&C not available in AK, FL or HI
• Refer to www.amtrustfi.com for
additional state exceptions and
requirements
Limits of Liability
• Separate or shared limits per
coverage part available
• $10 million for D&O, BPL, Lender,
Fiduciary, FI Bond
• $5 million for Trust, EPL, NSPL
• $10 million aggregate for Excess Deposit
• $100,000 for account holder for
EFT Guard
• $250,000 for D&O for CMP
866.327.6904
www.amtrustfi.com
banksubmissions@amtrustgroup.com
FI AdvantageSM Coverage
Our financial institution underwriters have experience in structuring coverages to meet your clients’ needs. The following is a
general list of classes of business that we can write with our new Management Liability Product suite of coverages.
Eligible Classes
• Agricultural Loans/Credit
Bankers
• Insurance Agents and Brokers
(L&H) *
• Non Personal Trust
Management
• Automobile Finance/Leasing
• Insurance Agents and Brokers
(P&C) *
• Pension/Retirement
Consultants
• Insurance Companies
• Personal Finance/Loan
Companies
• Bankers Associations/Advisors *
• Commercial Banks
• Commodities Agent and
Brokers
• Insurance Reporting/Research *
• Loan Agents
• Personal Investment Trust
Management
• Credit Unions
• Loan Processors
• Real Estate Insurance Agents *
• Economic Consultant
• Mortgage Bankers
• Registered Investment Advisors
• Economic Development
Organizations
• Mortgage Brokers *
• Savings Banks
• Mortgage Companies
• Securities Broker/Dealer *
• Mutual Benefit Associations
• Title Insurance Agents *
• Equipment Finance/Leasing
• Financial Consultants
• Non Bank Lenders
• Insurance Adjusters *
* Qualifies for Management Liability only (D&O, EPLI, Fiduciary, Cyber) – No Errors & Omissions
Ineligible Classes
• Administrator of private estates
• Bail bondsman
• Investment advisor (not
registered)
• Crowdfunding
• Mortgage brokers (using own
money)
• Debt collection / collectors
• Payday lenders
• Insurance education services
• Private equity funds
• Factoring / international trade
finance
• Private / personal investment &
vacation funds
• Hedge funds
• Short term lenders
• Installment sales finance
• Small business investment
companies
• Intermediate investment banks
• Investment banker / banking
MKT0629 5/16
• Vacation funds for employees
Nonprofit Organization Coverage
AmTrust North America understands the unique risks
nonprofit organizations face. Our nonprofit specialty
program provides targeted coverages to meet the
needs of the nonprofit community. No other insurance
carrier brings the dedication and experience we have to
your nonprofit clients.
AmTrust North America delivers an unbeatable
combination of sound coverage, stable pricing and
exceptional service to both insureds and agents. It pays
to work with people who fully understand nonprofits.
Coverage and Services
•
•
•
•
•
•
•
Property and Liability
Auto
Umbrella
D&O
Unemployment Insurance
Financial Consulting
Product Specialty
•
Primary Liability Insurance –
Standard limits are $1 million per
occurrence for General Liability;
$1 million per occurrence for Sex
Abuse; $1 million per occurrence
for Social Work; $1 million per
occurrence for Medical; $3 million
policy aggregate
•
Umbrella Policy – Limits up to $10
million above Primary Liability*
•
Sexual Abuse Liability
•
Social Work Foster Care &
Counseling Liability
•
Incidental and Vicarious Medical
Liability
•
Special Event Liability – Standard
limit is $1 million with higher limits
available
•
Directors & Officers Liability –
Standard limit is $1 million with
higher limits available
* Defense outside the limit of liability
Preferred Organizations
•
•
•
•
•
•
•
•
•
Arts & Culture – Cultural and ethnic
awareness groups, performing arts
schools, art education, theatre,
singing and choral groups
Group Housing – Housing for
the mentally and developmentally
disabled, homeless shelters,
transitional housing and family
violence shelters
Youth Services – Boys & girls clubs,
girl scouts, youth development
programs, youth centers and
community service clubs
Human Services – Family services,
child day care, YWCAs, emergency
services, senior centers and
hospices
Education – Preschools, charter
schools and private elementary,
secondary and post-secondary
schools
Mental Health/Crisis Intervention
– Outpatient or residential counseling
for disorders and addictions
including treatment and rehabilitation
Food and Nutrition – Food banks,
food pantries, meals on wheels,
congregate meals and nutrition
programs
Recreation – Parks, recreational
camps, clubs and parks, Special
Olympics and community recreation
centers
Religious Organizations and
Institutions
Ineligible Organizations
•
Nursing Homes – skilled or
intermediate
•
Social Organizations – such as
American Legions or VFW Halls
•
Medical Services – including
hospitals, laboratories or pharmacies
•
Adult Sexual Offenders or Fire
Starters
•
Abortion Clinics
•
All pertinent ACORD and
supplemental applications; we also
accept other carrier’s applications
•
Audited year-end financial statement
(or Form 990 if the organization does
not have a year-end statement)
•
Brochures, promotional material
describing programs and services
offered and copies of all relevant
contracts
•
Loss history for the last 5 years
•
Schedule of drivers and vehicles,
including VINs and seating capacity
877.528.7878
MKT0641 2/15
Nonprofit Businessowners Policy (BOP) Coverage
AmTrust North America offers competitive
Nonprofit Businessowners Policies
(NPBOPs) that can be easily tailored to
specific organizations. Our NPBOPs can
be issued as a standalone product or as a
complement to our workers’ compensation
insurance, directors and officers liability or
commercial auto products.
Coverage and Services
•
•
•
•
•
•
•
10% discount for workers’ comp
policyholders
Umbrella – standard limit is $1 million
above primary liability limit with
higher limits available
Special Events Liability may be
scheduled
Directors and Officers Liability with
limits of $1 million with higher limits
available
Auto
Financial consulting
Unemployment insurance
Chamber of Commerce
Business Alliances
Charitable Foundations
Professional Societies
Social Science Research
Trade Associations
Art Galleries
•
•
•
•
•
Total Insurable Value (TIV) for
building and Business Personal
Property (BPP) up to $15 million per
location
Revenue up to $15 million per
location
All construction types; may occupy
up to 2 stories
50,000 square-foot maximum
complete electrical, plumbing, HVAC
and roof updates
Nonprofits with financial operations,
such as bank, building and loan
associations or credit unions.
•
Nonprofits with governmental
or utility operations, real estate
management, website hosting or
internet service providing, or medical
surgical offices on site
•
TIV for building and BPP up to $15
million per location
•
Revenue up to $15 million per
location
•
Manufacturing and Contractors
•
Hotels and Motels
Building coverage available for
six stories; tenant-only coverage
available for occupancy under 40
stories
•
Buildings with over 20% vacancy
•
24-hour or seasonal operations
•
No flood or earthquake coverage
•
Preferred Organizations
Each category below can be quoted
through AmTrust Online, our websitebased quote and policy information
system.
•
•
200,000 square-foot maximum
•
complete electrical, plumbing, HVAC
and roof updates
Ineligible Organizations
•
Any nonprofit requesting the
following coverages are not eligible
for the Nonprofit BOP, but may be
eligible for the Nonprofit CPP:
- Sexual Abuse and
Molestation Liability
- Social Work, Foster Care
and Counseling Liability
- Medical Liability
- Products and/or Completed
Operations Liability
877.528.7878
MKT0642 2/15
Nonprofit Management Liability Coverage
AmTrust’s Nonprofit Advantage Management
Liability Policy offers customized solutions
to address a nonprofit organization’s unique
exposures. This product complements our
nonprofit package and workers’ comp to
provide you with a one-stop solution.
Your nonprofit customers are subject to many legal
obligations. The basis for most nonprofit management
liability claims is from a nonprofit organization’s own
employees, volunteers or third parties who interact with
the organization.
A nonprofit’s directors and officers may also be
personally liable for a wide range of wrongful
acts or omissions. The cost of litigation can be
financially crippling for a nonprofit organization and
its management team. Protect them with AmTrust’s
Nonprofit Advantage product.
AmTrust Nonprofit Advantages
• Competitive policy form that includes Directors
and Officers Liability, Employment Practices Liability,
Fiduciary Liability and Cyber Liability coverages.
• Ease of use in getting a quote. Our short-form
application requires six questions to be answered in
order to get a D&O / EPLI quote.
• Employment-related risk management services
and free hotline for all EPL policyholders at no
additional cost (www.AmTrustHRRiskManager.com).
Highlights
• Up to $10 million limits for D&O / EPL / Fiduciary
• Defense outside the limits
• Built in 3rd Party Liability
• Duty to Defend coverage
• Crisis management expense and regulatory fines
and penalties are covered in Cyber
Preferred Classes
• Group Homes
• Schools
• Social Service Agencies
• Foundations
• Religious Organizations
• Job Shelters
• Mental Health Organizations
• And many more classes in the nonprofit sector
• Cyber-related pre and post breach services to
address the emerging cyber exposure that every
nonprofit needs to address.
• One-stop solution for Property and Casualty,
Workers’ Compensation and Management Liability.
877.528.7878
MKT5027 5/16
Nonprofit State Unemployment Insurance
All employers are required to pay for State
Unemployment Insurance (SUI). For-profit employers
have only one option to cover their SUI obligations:
pay a tax into the State Unemployment Fund.
However, 501c3 nonprofits and governmental
employers can opt to self-insure (called “reimbursing”)
and not pay via the tax method. How do you avoid
the high cost of State Unemployment Taxes and the
challenges of self-insuring?
First Nonprofit Group provides alternative
funding and risk management programs
designed uniquely for 501c3 and
governmental employers to maximize
savings and eliminate the difficulty of
self-insuring. By making this switch, the
nonprofit can save as much as 40% of
their annual unemployment costs.
These programs all include fixed annual
costs, budgetary certainty, insurance
protection and professional claims
administration.
Program Options
•
•
•
•
Bonded Service Program: Risk
free, first and last-dollar coverage
Unemployment Savings Program:
Proprietary interest-bearing reserve,
with claims administration and stoploss insurance
Excess Loss Insurance: “Working
Excess Coverage” fits level of risk
retention that works best for the
organization
Surety Bonds: Required in many
states for “Reimbursing” employers
•
•
•
•
Available to organizations in all
50 states
501c3 nonprofits
Governmental employers
At least 10 employees
Eligible Organizations
Payment Flexibility
More than 1,800 nonprofit and governmental
entities currently participate in our program,
covering more than 415,000 employees.
They include the following:
•
Social service organizations
- Child and family services
- YMCAs and YWCAs / Boys and
Girls Clubs
- Goodwill Industries
- Community action agencies
- ARCs
- Domestic violence and
homeless shelters
- Assisted living centers
- Vocational guidance and
training centers
•
Educational service organizations
- Charter and private schools
- Colleges and universities
•
Charitable foundations
•
Healthcare agencies and hospitals
•
Mental health and behavioral services
•
Religious charities and service
organizations
•
Governmental sector entities
- Cities and counties
- Towns, townships and villages
- Public school districts and
education service districts
- General improvements or police/
fire protection districts
- Native American Indian tribal
organizations and casinos
While most payments into the state tax
system are made during the first and
second quarters of the calendar year, First
Nonprofit Group clients make four equal
quarterly payments.
Group Program Management
First Nonprofit Group offers
comprehensive program design and
full third party administration for group
unemployment plans. We work with public
or nonprofit associations to effectively
manage a self-insured unemployment
program for their membership. We
provide all essential services including
claims management, underwriting,
billing, management of reserves and
reimbursement of payments to the state
agency for individual claims.
800.526.4352
www.firstnonprofitcompanies.com
MKT0640 4/16
Lumber Specialty Coverage
AmTrust North America offers all lines of
commercial package insurance and workers’
comp to insureds involved in the woodproducts industry. The AmTrust Lumber
Specialty program provides an excellent market
for distributors of building materials and the
primary and secondary manufacturers of
wood products.
AmTrust Expertise
•
•
•
•
•
Long-term dedication to lumber industry
Lumber-specializing underwriting, loss
control and claims services
16 years of profitable lumber underwriting
Competitive proprietary rate filings
available in most states
All lines capabilities
•
•
•
•
•
•
Completed ACORD application
Lumber Specialty Supplemental
application; available on our web site
Loss runs by line of business for past 5 years
Expiring and target pricing
30-day lead time requested
If requesting property coverage:
- Interior/exterior photos of buildings
- Lumber statement of values (SOV);
available on our web site
Preferred Exposures & Available Coverages
The Lumber Specialty Division includes a variety of distributors and manufacturers in the wood products
industry, including:
Class
Property, GL & BA
WC
BOP
Building material dealers
X
X
X
Cabinet manufacturing
X
X
Door manufacturing
X
X
Drywall distributors
X
X
Furniture manufacturing
X
X
Hardware store
X
X
X
Laminated beam manufacturing (no construction)
X
Log homes manufacturing (no construction)
X
Lumberyards
X
X
X
Millwork, window & door manufacturing
X
X
Pallet manufacturing
X
Planning mill
X
Sawmill
X
Truss manufacturing (no construction)
X
Veneer and plywood manufacturing
X
Wood preserving
X
Wood product manufacturing
X
•
•
•
•
•
•
•
•
•
•
Three-year loss ratio below 40%
Stable ownership
No major changes in operation in past
three years
Involved, responsive and on-site
ownership
Buildings with effective age less than 25
years
Adequate loading and unloading
programs
Lower hazard products liability exposure
Financially secure insureds
Local and intermediate radius vehicles
Written driver-safety programs
Program Highlights
•
•
•
•
•
•
15% commission for GL, Auto, Property
and Umbrella
Lumber industry endorsement
Agreed amount available for Property
Geographical underwriting offers
home-field advantage
Easy online-submission process
General Liability, Property and Auto
Expansion Endorsements
X
X
X
877.528.7878
MKT0622 10/15
Transportation Coverage
AmTrust North America is pleased to offer a
service specifically for your fleet insurance
needs. Our specialized line of Transportation
Coverage mean never having to worry
about coverage and peace-of-mind for a
variety of products.
Coverage
• Auto Liability
$1 million CSL (ability to write up to
$2 million)
• Motor Truck Cargo
$500,000 max – can customize for
lower value loads
• Auto Physical Damage
Stated value
• General Liability
Preferred Exposures
•
•
•
•
•
•
•
Dry van
Intermodal
Less than truckload (LTL)
Liquid and dry tanker operations
Local cartage
Refrigerated
Truckload carriers
•
•
•
•
•
Cattle and livestock
Garbage haulers
House / mobile homes
Sand and gravel / in-transit ready mix
Wrecker / junk auto haulers
Local, regional and intermediate for-hire
motor carriers with:
• Above average loss experience
• Satisfactory DOT/CSA ratings, with
out-of-service ratios within the national
average
• Less than 100,000 annual miles per unit
• Insured and in business 3+ years, with
stable-to-moderate operational growth
Submisson Requirements
1. Completed AmTrust trucking
application – signed app is mandatory
at binding
2. Current drivers list including: DOB,
DOH, license # / SSN
• MVRs are required for all drivers;
MVRs must not be older than
90 days
4. Four (4) years of currently valued loss
runs for all requested lines, issued
within 90 days of expiration
5. Mileage report / IFTAs for the last 8
quarters, if applicable to the risk
6. Account narrative describing operations,
customers and commodities and regular
routes of travel
Terms and Conditions
• Payment terms will be 20% down, with
9 equal installments. Agent collects
down payment with balance direct
billed
• To bind a policy, a signed application,
coverage selection/rejection and down
payment is required
• All drivers must meet eligibility
guidelines:
- Age: 22-69, with long-form
medical/card over 65
- CDL driving experience of a like unit
for minimum of 2 years
- MVR: up to 4 minor or 2 minor & 1
accident in previous 36 months
- No major infractions (DUI, DWI,
reckless, felony, possession of
controlled substance, license
suspension) in previous 5 years
3. Current vehicle list, including: year,
make, model, complete VIN and stated
value (if requesting APD)
877.528.7878
MKT0630 5/16
Restaurant Coverage
AmTrust North America provides coverage
tailored to a variety of establishments
that meets the commercial package and
workers’ comp needs of restaurateurs.
The AmTrust Restaurant Program exceeds
standard coverage levels and is available to
both single and chain restaurants.
Products
•
Risks that are tenants in strip centers
•
Hibachi-style tableside cooking
Restaurants can be written as both a
Package or BOP policy. Your underwriter
will select the appropriate option for your
risk characteristics. We also offer:
•
Building and Personal Property up to
$7 million in value
•
Restaurants open less than 3 years
•
24 hour operations
•
Buffet restaurants
•
Bars, taverns, night clubs and
banquet halls
•
Bar hours that extend more than 75
minutes beyond kitchen hours
•
Bring-your-own-bottle
establishments
•
Liquor Liability coverage is not
available in or within 10 miles of: AL,
CT, IA, MN, PA, UT, VT and WV
•
•
Automobile
•
EPLI
•
Umbrella
•
Equipment breakdown
Fast Food
•
Deli
•
Café
•
Pizza, no hired non-owned auto
Mobile Gourmet Food Vendors
•
Mobile food vending truck, van or
step-van under 30,000 GVW
Preferred Exposures
•
The AmTrust Restaurant Program is
applicable to both single and chain
restaurants.
Vehicles must be inspected by the
local department of health
•
In business for at least 1 year or have
at least 3 years industry experience
Eligibility includes:
Family Style and Fine Dining
•
$15 average entrees
•
Total annual revenue up to $7 million
•
25-45% liquor sales, primarily wine
and liquor, with beer sales limited to
15% of total sales in eligible states
•
Small bar area (less than 15-person
capacity)
•
Risks in same location for 5 years,
but 3 years are acceptable
•
Buildings less than 15 years old
•
Deep fat frying without UL300 Wet
Chemical Extinguishing system and
Class K extinguisher
•
Frame buildings without sprinkler
system
•
Buildings not renovated in past 20
years (roof, plumbing, electrical
and HVAC)
•
Fast food restaurants with deep
frying
•
Restaurants with dance floors or
security
877.528.7878
MKT0623 2/15
Inland Marine Contractors Equipment Coverage
AmTrust North America is pleased to offer
Inland Marine Contractors’ Equipment
coverage specifically designed to cover
machinery, equipment and tools used by a
wide range of mobile equipment operations.
The AmTrust Contractors’ Equipment
product provides broad coverage along
with an array of supplemental coverage
options to suit the insured’s needs,
including the following:
•
Fraud and deceit
•
Recharge of fire protection
equipment
•
Small tools coverage
•
Reward for recovering stolen
equipment
•
Spare parts and fuel
•
Rental reimbursement
We also offer replacement-cost coverage,
leased/rented equipment coverage
and miscellaneous/unscheduled tools
coverage. Our various coverage types are
available to businesses of all sizes and are
tailored to meet the specific needs of each
employer.
Preferred Exposures
The AmTrust Inland Marine Contractors’
Equipment product is available to a wide
range of mobile equipment operations,
including (but not limited to):
•
Artisan contractors
•
General contractors
•
Landscaping companies
•
Snow removal operations
•
Street and road construction
AmTrust is not a market for farming,
mining, structural demolition, oil and gas,
or drilling/boring operations.
Equipment TIVs
•
•
•
Schedules of equipment with values
over $5 million available; must be
referred
Open maximum for total insured
value of any one item available; must
be referred
Miscellaneous tools and equipment
subject to $1,000 maximum per item
Preferred Equipment
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Excavators
Grading equipment
Bulldozers
Loaders
Trenchers
Backhoes
Scaffolding
Portable generators/compressors
Forklifts
Tractors
Hand Tools
Cranes (with booms up to 25 ft.)
Pneumatic tools
Mowing equipment
Asphalt equipment
Road Building & maintaining
equipment
•
•
•
•
New ventures
Equipment licensed for road use
Waterborne equipment
Drilling / boring equipment
•
•
•
•
•
Small electronic items including cell
phones, laptops or PDAs
Farming, mining and structural
demolition activities
ATVs
Golf Carts
Oil and gas operations
Additional Features
•
Written with AAIS forms
•
Direct physical loss coverage
provided for all risks
•
Replacement cost coverage
available for equipment less than
5 years old; not available for
miscellaneous/unscheduled tools
•
Equipment must be scheduled or
on file with company with a serial
number, value, year, make and
model
•
Blanket coverage available for select
businesses
•
80%, 90% or 100% coinsurance
options available
•
Minimum premium of $500
•
Deductible begins at $500, based
on TIV
•
Coverage for small crane operations
available; 25-foot boom max
877.528.7878
MKT0638 3/14

Your Success is Our Policy.®

Transcription

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