Specialty Programs

For over 35 years we have specialized in developing and administering insurance programs for hard to cover industries or industries that have unique coverage needs that are not commonly available in a standard policy.

NATIONAL FRANCHISE CLEANERS PROGRAM

We are a pioneer in covering the unique coverage needs of Franchise cleaning and Restoration contractors. We have worked closely with the major franchisors and can guarantee that the policies we issue are in full compliance with their insurance requirements. We offer the following coverage:

Maid Services/Janitorial Services/Carpet, Furniture & Upholstery Cleaning/Wood Refinishing

    1. General Liability – policy includes care-custody-control/workmanship coverage as required by franchisor
    2. Cyber Liability
    3. Employment Practices Liability (EPLI) – Not available in all states
    4. Umbrella
    5. Auto – Not available in all states
    6. Workers Compensation – Not available in all states

Disaster Restoration Contractors

    1. General Liability – including all requirements of franchisor AND the major contractor networks (Crawford, Alacrity, Code Blue, etc.)
    2. Pollution Liability – including all requirements of franchisor AND the major contractor networks (Crawford, Alacrity, Code Blue, etc.)
    3. Umbrella
    4. Cyber Liability
    5. Employment Practices Liability – Not available in all states
    6. Commercial Auto – Not available in all states

We do not write workers compensation for restoration contractors; we have found that keeping this coverage with your local agent allows you to continue to have a relationship with your local agent. We handle the specialized coverage needed on the General Liability and Pollution Liability policy and Auto.