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| Key: | 
= Online Application Available
| 
= ACORD Form Acceptable
| Insurance
Innovators Offers the Following Lines of Insurance: |
| |
Products
Programs
|
| Commercial
Liability, Property, Umbrella |
 |
|
| At III we take each
risk and analyze it on an individual basis. We have the ability to write or place
almost all ISO classes*. Here are a few classes that are our specialties:
| * if you do
not see the risk you are looking for please call or email us for additional information.) |
|
- Cranes
- Restaurants
- Logging &
Lumbering
- Roofers
- Contractors
- Vacant Properties/Dwelling
- BOP
- Environmental
Contractors
- Environmental
Services
- Beauty
Salon
- Swim
Clubs
- Day Cares
- Alarm Companies
- Special Events
- Liquor Liability
- Event Liability
- Hole-in-One
Coverage
|
| GENERAL
LIABILITY/PROPERTY
- All
Classes Considered, Including:
- Habitational
- Apartments
- Condominiums
- Shopping
Centers
|
- Real
Estate Schedules
- Hotels/Motels
- Warehouses
- Manufacturers
- Tough
Products
|
- Competitive Pricing
- Excellent Service
- A Rated Carriers
- Admitted/Non-Admitted
Package or Monoline Quotations
- Individual Risk
Analysis
|
|
|
| General
Liability | | |
| | | |
- Low
Deductibles
- First
Dollar Defense
- Miscellaneous
Professional Included On Various Classes (Occurrence Form)
- Aggregate
Deductibles
| |
|
|
| Umbrella
& Excess Liability | |
- All Classes Considered
- Large Limits
- $0
SIR Available
- Can
Write Over B+ or A-
|
- Payment Plans Available
- Umbrella/Excess
- Actual Loss
Sustained On Loss of Earning
- A++
Paper
|
| Property |
| |
| | | |
- Basic, Broad, Special
Perils
- Low
Deductibles
- Wind
Deductible Options
- Excess
Limits
- Excess
Flood
- Wind
Buyback Options
|
- Casualty
- Corporate
Kidnap & Extortion
- Defense
Base Act
- Marine
Cargo
- Property
|
|
| Personal
Lines | |
|
| At Insurance Innovators,
Inc. You Will Find That We Offer:
- Competitive
Pricing
-
24 Hour Turnaround
-
Excellent Service
| |
| In
Pennsylvania | |
- HO-1
(Owner plus 1-4 Families)
- HO-2
and ACV-2
- HO-3
- HO-4
Tenant
- HO-6
- HO-8
- Dwelling
Fire
- Excess
Flood
- Mobile
Homes
- Wrap
Around Product - Package
or Standalone Liability
- Personal
Umbrella
- Boats
|
| In Delaware | |
- HO-3
(Including Coastal)
- HO-4
- HO-6
(Including Coastal)
- Excess
Flood
- Mobile
Homes
- Personal
Umbrella
- Boats
| | |
|
In New
Jersey
|
|
- HO-3
(Including Coastal)
- HO-4
- HO-6
(Including Coastal)
- Dwelling
Fire
- Excess
Flood
- Mobile
Homes
- Rental
- Package or Standalone Liability
- Wrap
Around Product - Package
or Standalone Liability
- Personal
Umbrella
- Boats
|
|
| Personal
Umbrella Excess: |
|
| *Available
in PA, NJ, DE, MD, MA |
- Personal
Catastrophe Excess Umbrella
-
Personal Auto Excess Liability
-
Comprehensive Personal Liability
-
Special Farm/Ranch Owners Program
-
Excess Snowmobile Buffer
-
Excess Watercraft and Jet Ski Liability Buffer
|
| Pro-iii |
|
|
|
Insurance Innovators Professional
Liability Department(s) provides you with excellent service and quick turnaround
time. Our staff stays on top of the ever changing marketplace by participating
in PLUS, the Professional Liability Underwriters Society. We look at each risk
on an individual basis. We
Offer:
- Low
Minimum Premium
- Low
Deductibles
- A
Rated Carriers
- Admitted/Non-Admitted
Paper
- Limits
Up to $5M with Additional Limits Available Upon
Request
|
| |
| Directors
& Officers for Profit and Non-Profit |
Coverage
Highlights:
- EPLI
Option
- Defense
Cost Outside the Limit for D&O and EPL
- Separate
Limit for D&O and EPL
- Spousal
Extension
- Duty
to Defend
|
| Employment Practices
Liability |
Coverage
Highlights:
- Defense
Cost Outside the Limits
- Duty
to Defend Wording
- 0%
Co-Insurance
|
| Medical
Providers Protection Product |
Coverage
Highlights:
- Employment
Practices Liability
- Third
Party Discrimination
- Defense
Cost Outside the Limit of Liability
- Optional
Sexual Misconduct Limit
|
|
Coverage
Highlights:
- "Incidents"
are Covered
- Personal
Injury is Covered
- Predecessor
Firm is Covered
- "Of
Counsel" Is Covered
- Non-Lawyer
Employees are Covered
- "Innocent"
Insured Coverage
- Equity
Interest is Covered Up to 10%
- Defense
of Disciplinary Complaints
- Defense
in Addition to Limit is Available
- No
Charge for Unlimited Extended Reporting Period in the Event
of Death or Permanent Disability
|
|
Coverage
Highlights:
- First
Dollar Defense
- Aggregate
Deductibles
- Specific
Job Excess Available
- Construction
& Project Management
|
| Specified
Professions E&O |
|
Coverage
Highlights:
- Defense
Outside the Limit
- Duty
to Defend Wording
- Ability
to Provide Business Owners Package with most classes
- Full
Prior Acts Coverage available
|
| Answering
Services |
Graphic
Designers |
Process
Servers |
| Audio
Visual Consultants |
Human
Resource Consultants |
Public
Relations Consultants |
| Billing
Services |
Insurance
Inspectors |
Registered
Agents |
| Bookkeepers
|
Interior
Designers |
Resume
Services |
| Claims
Adjusters |
Interpreters |
Safety
Inspectors |
| Court
Reporters |
Mailing
Services |
Speech
Therapists |
| Document
Management Services |
Management
Consultants |
Statistical
Consultants |
| Educational
Consultants |
Marketing
Consultants |
Tax
Preparers |
| Emergency
Training Consultants |
Meeting
Planners |
Telecommunications
Consultants |
| Employment
Agencies |
Mortgage
Brokers |
|
| Energy
Consultants |
OSHA
Inspectors |
Training
Specialists |
| Environmental
Contractors & Consultants |
Paralegals |
Translators |
| Event
Planners |
Photographers |
Travel
Agents |
| Expediting
Services |
Printers |
|
| Grant
Writing Services |
Private
Investigators |
|
|
|
| Commercial
Auto Liability & Physical Damage |
|
|
| Here
are a few classifications, with many more listed: |
|
|
Dump
Operators | Wreckers/
Repos | Buses/Vans
| Specialized
Transport | Garage
|
-Dump
Preferred (Hauling Own Goods)
-Dump
Standard (Hauls for One Concern with Four or Fewer Units)
-Dump
Non-Standard (Hauls for Two or More Concerns or one Concern with Five or More
Units) | -Auto
Repossessors
-On
Hook
-Wreckers
w/ Garage
w/Repo
w/Standalone | -Courtesy
-Church
-Day
Care
-Social Service
-School
-Sightseeing | -Cargo
-Contingent Lease
-Contractors
-Driver
Training -Schools
-Food
Delivery
-Non-Trucking
-Private Passenger
-Truck NOC
-Specialized
Delivery
-Waste | -Auto
Non-Dealers
Service/Repairs
Detailers
-Mobile Repair
-New
Tire Sales
-Valet
Parking
-and More! |
|
| Cranes | |
|
| Program Highlights:
- AM Best Rated A+ Carriers
-
Minimum Premiums Starting at $5,000
-
Providing Unique Solutions for Crane and Crane Related Accounts For Over 10 Years
|
|
- Mono-line
CGL or Package Policies Available
- CGL
Limits to $1,000,000/$2,000,000/$1,000,000, 1/2/2 Available
- Aggregate
Per Project
- Pollution
Liability up to $250,000
- Riggers
Coverage Up to $1,000,000
- Umbrellas
Available Up to $10,000,000 Limit (Including Hook Coverage)
- Inland
Marine Available, Including No Co-Insurance Provisions and
Overweight Boom
|
| Program Highlights:
-
Available for Primarily Sprinkler Contractors-(some plumbing,
extinguisher, ansul and alarm work acceptable)
-
New Competitive Pricing & Forms
-
Occurrence Form E&O at Policy Limits
-
Blanket Additional Insured
-
Primary Non-Contributory Insurance
-
Property Damage Extension
-
Minimum premium $1,500
-
Deductibles as low as $1,000
-
Excess Limits Available
-
Lost Key Coverage
-
Per Project Aggregate
-
“Per Occurrence” Deductible (NOT per claim)
-
Waiver of Subrogation
-
Currently Available in 27
States -
-
Carrier Rated A15 by AM Best
|
|
| Program Highlights:
Download the
Application
-
COVERAGE:
General Liability
Workers Compensation
Commercial Automobile
Umbrella
-
MINIMUM PREMIUM:
$10,000 for CGL*
No minimum premium on Work Comp or Auto (must bind GL to write Auto or WC)
Premium installment option available on Work Comp and Auto
-
TERRITORY
All states*
-
AVAILABLE COVERAGE EXTENSIONS
Commercial General Liability
- Blanket Additional Insured
- Waiver Of Subrogation
Workers Compensation
- Blanket Waiver of Our Rights to Recover From Others
- Increased Limits Of Liability Endorsement
Automobile Liability
- MCS 90 Endorsement
- Broadened Auto Pollution Coverage**
- Blanket Additional Insureds
- Auto Loan/Lease Gap Coverage
*Exceptions:
Five boroughs of New York City, NY and Erie County, NY
** Not
available in CA, HI, NY, VT, VA
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