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Phone: (800) 344-3948

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

We do not write commercial auto or workers compensation for restoration contractors, we have found that keeping these coverages 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.

PORTABLE BAND SAWMILL OWNERS PROGRAM

Portable Band Sawmills are a unique subset of logging and milling. Calling your local agent to get your new mill covered is usually met with blank stares or silence. We have been insuring portable band sawmills for over 8 years, we know what these mills are and we are able to get them covered for a competitive price. We offer the following coverage:

Portable Band Sawmill Operators

    1. Inland Marine coverage for the mill
    2. General Liability coverage covering the operation of the mill

BEMER DISTRIBUTORS/OWNERS PROFESSIONAL LIABILITY PROGRAM

BEMER Distributors have a special a special risk. Since your BEMER device is a medical device, you are providing medical/professional services and/or treatments that are excluded on all general liability policies. Incidental malpractice coverage on your homeowners or business owner’s policy will not cover you if you are in the business of providing medical/professional services and/or treatments. Our BEMER Professional Liability program protects you from claims that result from the use of your BEMER unit on others for a fee.

BEMER Distributors/Owners

    1. Professional Liability
    2. General Liability is available
    3. Data Breach is available
    4. Crime is available