Frequently Asked Questions

  • phone_in_talkHow do I get in contact with an underwriter to ask a question?

    You may contact any of the following:


    We will be happy to assist you with any questions or referrals!

  • assignmentWhat guidelines are most important?
    1. All underlying coverages must be written with carriers that have an A-VII or better AM Best rating.
    2. The underlying CGL policy needs to use the ISO CG0001 occurrence form. Submit to an underwriter if you have an underlying BOP.
    3. Underlying liability policy premiums can not be greater than $25,000
    4. The underlying policies do not need to be concurrent.
    5. The maximum amount of power units we can consider on an Auto Policy is 10.
  • createDo you write excess for contractors?

    Yes, we do and there are some requirements:

    • NO NEW RESIDENTIAL (single-family homes including work on custom homes, condos).
    • Home builders and artisan contractors that do work for home builders are not eligible.
    • Work on apartments is not considered new residential.
    • No work should be done on building exceeding 3 stories in height.
    • Regardless of class, any street & road work is NOT eligible.
    • Contractors doing work, within security on airports or other secured facilities, are not eligible due to terrorism concerns.
  • priority_high Do you require supplemental applications?

    Yes, we ask that you provide them for the following industries:

    • Habitational
    • Restaurants
    • Contractors
    • Manufacturing Representatives
  • whatshotDo you require loss runs?

    Yes, but if the hazard is Low or Medium (other than contractors) checking no losses on the Acord app is acceptable.

    Contracting risks (regardless of hazard class) and High Hazard classes - 5 years of company loss runs for all scheduled underlying lines of business (can include letters of no losses for some or all years).

  • descriptionWhat are the reinstatement guidelines?

    We will reinstate within 15 days of cancellation with a no loss letter.

  • date_rangeHow do I get a short-term excess quote?

    Please adjust the policy period when quoting online. The system will pro-rate for you. Keep in mind, we can't write policies under three months.

  • autorenew How do I renew a policy?

    Please follow these steps to get your renewal quote:

    1. Search for your policy in the Applications table by name or policy number.
    2. Click the link for the named insured.
    3. From there, you'll have access to download the quote and policy. Underneath, you'll see a button to create the renewal.

    Note that endorsements do not carry over in the portal.