Specialty Core Solutions

COVERAGES

Primary General Liability

• For qualified risks on an admitted basis in all 50 states and D.C.
• Non-admitted coverage available for insureds with unique risks
• Occurrence or claims made basis
• ISO policy forms
• Environmental impairment coverage available, including sudden and accidental BI/PD (named peril and time element) and options to include remediation and expense coverage
• Claims handling within self-insured retention can be provided by claim handling affiliate, ESIS, Inc., another acceptable TPA, or self-administered, subject to policy provisions.
• Deductible policies quoted utilizing Westchester claim handling
• Zero collateral required for deductible policies for qualified insureds
• Catastrophe management coverage extension with sub-limit of $250,000 for select risks
• Liquor liability coverage extension with $1M limit available where needed
• World-wide products coverage available
• Stop gap coverage in monopolistic states available when there is no other workers compensation insurance
• Standalone premises or products coverage available

Primary Commercial Automobile 

• Admitted basis via use of ISO policy form
• Liability and physical damage coverage available
• Hired and non-owned coverage only available
• Low minimum premium available to facilitate primary general liability placements

Lead Umbrella 

• Coverage written on ISO based policy form
• Coverage available for qualified risks on admitted basis in all 50 states
• Schedule of underlying insurance can include employers liability coverage provided by a non-Westchester policy, subject to a minimum insurer financial rating of A- VI by A.M. Best

Buffer Excess General Liability

• For qualified risks on admitted basis in all 50 states and D.C.
• Non-admitted coverage also available for unique risks
• For Westchester primary insured risks

MINIMUMS

• Minimum premium:
  • $25,000 lead umbrella
  • $25,000 primary general liability
  • $100,000 buffer excess general liability
• Minimum attachment points:
  • Primary general liability:  $25,000 self-insured retention, or $1,000 deductible or first dollar if applicable
  • Primary commercial automobile: first dollar/guaranteed cost
  • Lead umbrella: $1 million general liability and primary auto; $500,000 employers' liability
  • Buffer excess general liability:  $1 million in total underlying insurance

LIMITS

• Primary general liability: Limits up to $1 million occurrence/$2 million aggregate with higher limits available for select risks
• Primary commercial automobile:  $1 million combined single limit
• Lead umbrella: $10 million occurrence / $10 million aggregate with higher limits available to $25 million for select risks
• Buffer excess general liability:  Limits up to $5 million occurrence/$5 million aggregate with higher limits available for select risks

PREFERRED CLASSES

• U.S.-based companies of all revenue sizes, including:
  • Product manufacturers of all types, from light to heavy industrial (incidental installation exposures acceptable)
  • Premises and service/operational risks with high claim severity exposure
  • Insureds with historically limited options in standard market
  • Insureds with unique attributes that require underwriting, coverage and pricing flexibility (admitted and non-admitted coverage available)
  • Insureds with a variety of dissimilar operations and compressed time schedules (Private Equity Groups)

RESTRICTED CLASSES

• Pharmaceutical manufacturers
• Critical aircraft or critical auto parts manufacturers
• Invasive medical products manufacturers (defined as implanted in the body for more than 15 days)
• Tobacco products manufacturer
• Lead umbrella coverage is written only in companion to Specialty Core primary general liability placements
• Primary commercial automobile coverage is written only in companion to the larger Specialty Casualty primary general liability placements
  • Trucking/transportation risks are not accepted
  • Fleet composition must be below 200 total units and less than 30 percent classified as Heavy, Extra Heavy or Truck Tractor