What We Write Workers' Compensation
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Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.
Apartments
- Mixed use occupancies
- No building age restrictions
- New ventures and new purchases eligible
- No building height restrictions
- Package or mono-line general liability
- Umbrella limits up to $25,000,000
- Preferred to non-standard risk
- Property
- General Liability
- Earthquake
- Umbrella
- Workers’ Compensation
- Acord application submission
- Currently dated 4 year loss runs
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT
Architects & Engineers
- Engineers: Structural, construction, oil & civil
- Architects with design
- Geo tech/thermal engineers
- Land Surveyors
- CAD/CAM design
- Construction Managers
- No limitation on Scope of projects
- New ventures and new ownership eligible
- Contractor’s Pollution Liability
- General Liability
- Professional Liability
- Directors & Officers Liability
- Employment Practices Liability
- Cyber Liability
- Limits of Liability up to $5 million
- Workers’ Compensation
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT
Artisan/Trade Contractors
- Small to medium size artisan contractors
- More than 30 classes of eligible artisans
- Artisan entity performing 1 or 2 trades
- Subcontracting no more than 15-25% in receipts
- New and used contractors’ equipment owned or leased on a long-term basis
- Workers’ Compensation
- Property
- Inland Marine: Contractor’s Equipment
- Contractors Liability
- Blanket Additional Insured Coverage
- Waiver of Subrogation Coverage
- Contractors Pollution Liability
- Professional Liability
- Excess Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Auto Dealers
- Consigned auto sales
- Regular car, pickup, alternative fuel & electric vehicle sales
- Golf cart sales
- Mobile home dealers
- Emergency vehicle sales
- Trailer Sales (horse, heavy, travel, utility)
- New ventures and new ownership eligible
- Property: Building & business personal property
- Garage Liability
- Garagekeepers’ physical damage
- Dealers’ physical damage
- Broadened coverage available
- Workers’ Compensation
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, OR, TN, TX, UT
Auto Repair Shops
- Automotive, motorcycle, boat & heavy vehicle services & repairs
- Body and/or paint shops with a spray booth
- Auto upholstery shops
- Auto restoration
- Brake & muffler shops
- Radiator repairs
- Scooter repairs
- Tractor/trailer repair
- Trailer hitch repair
- Mobile repair
- New ventures and new ownership eligible
- Property: Building & business personal property
- Garage Liability
- Broadened garage coverage
- Garagekeepers’ Legal Liability
- Workers’ Compensation
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT
Auto Service Operations
- Full-service car wash
- Gasoline stations
- Smog service stations
- Mobile operations
- Emergency roadside assistance
- Frame alignment shops
- Recreational vehicle & boat storage
- Car wrap advertisement
- New ventures and new ownership eligible
- Property: Building & business personal property
- Garage Liability
- Broadened garage coverage
- Garagekeepers’ Legal Liability
- Workers’ Compensation
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT
Bakeries
- Wholesale/retail bakeries
- Bakeries with delivery
- New ventures& new ownership eligible
- Workers’ Compensation
- Property/Liability Package
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Umbrella Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Bar & Tavern
- Bars, taverns & sports bars
- Microbreweries
- Risks with gaming machines such as slot machines
- Games, dartboards & video games
- Dance floor or dance area up to 650 square feet.
- Light entertainment or DJ not more than 2 times a week
- New ventures and new ownership eligible
- Workers’ Compensation
- Property: Building & business personal property
- General Liability
- Assault and/or Battery
- Liquor Liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR,, TX
Beauty, Barber & Nail Salons
- Beauty/Barber shops located inshopping malls, hotels & health clubs
- Cosmetologists, manicurists, massage therapists, estheticians, make up technicians
- New ventures and new purchases eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Professional Liability
- Sexual/physical abuse sublimit available
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Catering
- Caterers providing food & beverage service off premises
- Halls leased to others for various functions
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Assault or Battery
- Liquor Liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Chamber of Commerce
- Specialty non-profit organizations
- New ventures eligible
- Workers’ Compensation
- Property/Liability Package
- General Liability (Package or mono-line)
- Abuse & molestation
- Assault & battery
- Directors & Officers Liability
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Liquor Liability
- Umbrella Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Child Care – Commercial
- Any size licensed commercial nursery, pre-school or Montessori schools
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Umbrella Liability up to $5 million
- Hired & Non-owned Auto Liability
- Professional Liability
- Abuse & Molestation
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Clothing Stores – Retail/Wholesale
- Clothing or wearing apparel for profit stores
- Clothing or wearing apparel not for profit stores
- Workers’ Compensation
- Property
- General Liability – Limits up to $5/$5 million
- Theft coverage: Requires central station alarm
- Theft coverage limitation
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Convenience, Deli & Grocery Stores
- Small to medium size businesses
- Alcohol sales and gasoline sales acceptable
- Businesses with commercial cooking
- Propane sales
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Inland Marine
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Distributors
- Small to medium size businesses
- More than 50 eligible classes of businesses
- Refrigerated operations acceptable
- Retail operations acceptable
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Doctors/Dentists
- Private practice Doctors & Dentists
- Surgeons
- Dentists with or without anesthesia
- Claim activity is acceptable
- New ventures and new ownership eligible
- Workers’ Compensation
- Professional Liability
- General Liability
- Employment Practices Liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Electronic Stores
- Small to medium size businesses
- Cell Phone Stores & Kiosks
- Computer, radio, camera, stereo & appliance stores
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Fitness Centers
- Health & swim clubs, gyms, circuit training, yoga &pilates studio
- Incidental massage or child sitting services
- Computer, radio, camera, stereo & appliance stores
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Homeowners Association – No Payroll – AZ
- Residential or commercial single family homes
- Residential or commercial condominiums
- Mixed use occupancies
- Townhomes
- Workers’ Compensation
- Property/General Liability Package
- Directors & Officers Liability
- Employment Practices Liability
- Umbrella Liability
- Cyber Liability
- Fidelity
- One Page No Payroll Application
- State Eligibility: AZ, CA, CO, ID, NV, OR
Homeowners Association – No Payroll – CA
- Residential or commercial single family homes
- Residential or commercial condominiums
- Mixed use occupancies
- Townhomes
- Workers’ Compensation
- Property/General Liability Package
- Directors & Officers Liability
- Employment Practices Liability
- Umbrella Liability
- Cyber Liability
- Fidelity
- One Page No Payroll Application
- State Eligibility: AZ, CA, CO, ID, NV, OR
Homeowners Association – No Payroll – CO
- Residential or commercial single family homes
- Residential or commercial condominiums
- Mixed use occupancies
- Townhomes
- Workers’ Compensation
- Property/General Liability Package
- Directors & Officers Liability
- Employment Practices Liability
- Umbrella Liability
- Cyber Liability
- Fidelity
- One Page No Payroll Application
- State Eligibility: AZ, CA, CO, ID, NV, OR
Homeowners Association – No Payroll – ID
- Residential or commercial single family homes
- Residential or commercial condominiums
- Mixed use occupancies
- Townhomes
- Workers’ Compensation
- Property/General Liability Package
- Directors & Officers Liability
- Employment Practices Liability
- Umbrella Liability
- Cyber Liability
- Fidelity
- One Page No Payroll Application
- State Eligibility: AZ, CA, CO, ID, NV, OR
Homeowners Association – No Payroll – NV
- Residential or commercial single family homes
- Residential or commercial condominiums
- Mixed use occupancies
- Townhomes
- Workers’ Compensation
- Property/General Liability Package
- Directors & Officers Liability
- Employment Practices Liability
- Umbrella Liability
- Cyber Liability
- Fidelity
- One Page No Payroll Application
- State Eligibility: AZ, CA, CO, ID, NV, OR
Homeowners Association – No Payroll – OR
- Residential or commercial single family homes
- Residential or commercial condominiums
- Mixed use occupancies
- Townhomes
- Workers’ Compensation
- Property/General Liability Package
- Directors & Officers Liability
- Employment Practices Liability
- Umbrella Liability
- Cyber Liability
- Fidelity
- One Page No Payroll Application
- State Eligibility: AZ, CA, CO, ID, NV, OR
Homeowners Association – Payroll
- Residential or commercial single family homes
- Residential or commercial condominiums
- Mixed use occupancies
- Townhomes
- Outside CA: Contact underwriter
- Workers’ Compensation
- Property/General Liability Package
- Directors & Officers Liability
- Employment Practices Liability
- Umbrella Liability
- Cyber Liability
- Fidelity
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NV, OR
Hotel & Motel
- New ventures and new ownership eligible
- Property
- General Liability
- Earthquake
- Umbrella
- Workers’ Compensation
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Houses of Worship
- All faiths and denominations
- Meditation centers
- Food banks, soup kitchens, mission work
- New ventures eligible
- Workers’ Compensation
- Property/Liability Package
- General Liability (Package or mono-line)
- Abuse & molestation
- Assault & battery
- Directors & Officers Liability
- Employment Practices Liability
- Liquor Liability
- Hired & Non-owned Auto Liability
- Umbrella Liability up to $5 million
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Insurance Agents
- Small to large agents & brokers
- Persona & commercial lines of business
- Life & health
- No TPAs
- New ventures and new ownership eligible
- Property/General Liability Package
- Errors & Omissions Liability
- Cyber Liability
- Directors & Officers Liability
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Excess Liability up to $5 million
- Workers’ Compensation
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT
Janitorial Services
- Small to medium size businesses
- Office or mercantile locations
- Subcontracting costs represent up to 15% of annual sales
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Laundromat & Dry Cleaning Services
- Small to medium size businesses
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Lawyers
- Law firm with 2 or more attorneys
- Minimal real estate law practice
- Some claim activity acceptable
- New ventures and new ownership eligible
- Workers’ Compensation
- Property/General Liability Package
- General Liability (Package or mono-line)
- Errors & Omissions Liability
- Cyber Liability
- Directors & Officers Liability
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Excess Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Manufacturing
- Small to medium size manufacturers
- Import exposure eligible
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Medical – Miscellaneous
- Surgical centers
- Dialysis centers
- Assisted living facilities/Residential care facilities
- Radiologists
- Rehab centers
- Imaging centers
- Home care staffing
- New ventures and new ownership eligible
- Workers’ Compensation
- General Liability
- Professional Liability
- MED-Defense Liability
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Excess Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Mortgage Brokers
- Small to large mortgage brokers/bankers
- Mortgage bankers
- Mortgage bonds
- Real estate sales & management
- New ventures and new ownership eligible
- Workers’ Compensation
- Property/General Liability Package
- General Liability (Package or mono-line)
- Errors & Omissions Liability
- Cyber Liability
- Directors & Officers Liability
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Excess Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Production, Media & Broadcasting
- Film & video production – Commercials
- Recording, editing, pre/post production studios
- Rental houses, performers, photographers, videographers and more
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Professional Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Professional Office
- Businesses providing professional services
- More than 50 classes of business qualify
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & Non-owned Auto Liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Property Management
- Property managers of apartments & individual homes,
- Vacation rental management
- Commercial building management: office, shopping center, industrial
- Condominium/homeowners association management
- New ventures and new ownership eligible
- Property/General Liability Package
- Errors & Omissions Liability
- Directors & Officers Liability
- Employment Practices Liability
- Cyber Liability
- Tenant Discrimination Liability
- Hired & Non-owned Auto Liability
- Umbrella Liability up to $5 million
- Workers’ Compensation
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT
Real Estate Agencies
- Franchise and non-franchise firms
- Agents/brokers/independent contractors
- New ventures and new ownership eligible
- Workers’ Compensation
- Business Owners Package
- Errors & Omissions Liability
- Directors & Officers Liability
- Employment Practices Liability
- Cyber Liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Restaurants
- Fine dining
- Family dining
- Fast Food
- Risks with gaming machines such as slot machines
- Dance floor with light entertainment
- New ventures and new ownership eligible
- Workers’ Compensation
- Property: Building & business personal property
- General Liability
- Assault or Battery
- Liquor Liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Retail Merchants
- Wide Variety of retail merchants
- More than 100 classes of business
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Schools
- Charter, private & academic schools
- See specialty training schools for vocational exposures
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Abuse, Molestation & corporal punishment
- Educators Professional
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Specialty Training Schools
- Wide range of instructional schools
- More than 50 classes of business qualify
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Professional Liability
- Abuse or Molestation sublimit
- Excess General Liability up to $5 million
- Hired & non-owned auto liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Technology
- Application service provider/software as a service/cloud provider
- Consulting/training/project management/staffing
- Data or records storage, retrieval
- Back-up/database administration/hardware evaluation, selection & maintenance
- Software development/installations/sales
- Systems or network evaluation/design/cabling/support
- Web design/development/hosting or search engine optimization\
- New ventures and new ownership eligible
- Workers’ Compensation
- Property/General Liability Package
- General Liability (Package or mono-line)
- Errors & Omissions Liability
- Cyber Liability
- Directors & Officers Liability
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Excess Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Tire Dealers & Repair
- Sale, service installation, repair of tires
- Mobile operations are also considered
- Heavy truck tire repair & service
- Tires must be less than 5 years old
- Used tires sold: No greater than 25% of garage operations
- 3 years hardcopy loss runs
- Property: Building & business personal property
- Garage Liability
- Broadened garage coverage
- Garagekeepers’ Legal Liability
- Workers’ Compesnation
- See “applications” for specific form to complete
- State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT
Title/Escrow Agents
- Revenues over $100,000
- New ventures and new ownership eligible
- Property/General Liability Package
- General Liability (Package or mono-line)
- Errors & Omissions Liability
- Cyber Liability
- Directors & Officers Liability
- Employment Practices Liability
- Hired & Non-owned Auto Liability
- Excess Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Tobacco Shops
- Mono-line general liability or package
- Electronic or vapor accessories sales
- New ventures and new ownership eligible
- Workers’ Compensation
- Property
- General Liability
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Trade Associations
- Professional or trade organizations
- New ventures eligible
- Workers’ Compensation
- Property/Liability Package
- General Liability (Package or mono-line)
- Abuse & molestation
- Assault & battery
- Directors & Officers Liability
- Employment Practices Liability
- Liquor Liability
- Hired & Non-owned Auto Liability
- Umbrella Liability up to $5 million
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX
Warehouses
- Private & public storage
- Single & multiple interests
- Mini-warehouses
- Warehouses not otherwise classified
- Other exposures: manufacturing, public showrooms, retail & wholesale operations
- New ventures and new ownership eligible
- Workers’ Compensation
- Property: Building & business personal property
- General Liability up to $5 million limits
- Blanket additional insured
- Acord application submission
- State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX