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accordion-backup.txt

Guest on 12th September 2021 10:16:12 AM

  1. {"3161":{"title":"Marine Products","meta_fields":{"accordions_options":{"current_tab":"content","view_type":"accordion","lazy_load":"no","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 4px","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588696442379":{"header":"Marine Liabilities","body":"<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Target Classes<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Port authorities<\/li>\r\n \t<li>Ship repairers<\/li>\r\n \t<li>Wharfingers<\/li>\r\n \t<li>Marina operators<\/li>\r\n \t<li>Terminal operators<\/li>\r\n \t<li>Stevedores<\/li>\r\n \t<li>Shipbuilders<\/li>\r\n \t<li>Marine contractors (onshore and offshore)<\/li>\r\n<\/ul>\r\n<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Products Offered<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Comprehensive General Liability coverage, including products \/ completed operations for marine risks (MGL)<\/li>\r\n \t<li>Monoline Marine Liability (stevedore, wharfinger, ship repairer, marina operator)<\/li>\r\n \t<li>Charterer Legal Liability<\/li>\r\n \t<li>Bumbershoot Liability<\/li>\r\n \t<li>Excess Liability<\/li>\r\n \t<li>Sudden & Accidental Pollution coverage<\/li>\r\n<\/ul>\r\n<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Product Highlights<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Coverage available on an occurrence basis<\/li>\r\n \t<li>Care, custody, and control exposures<\/li>\r\n \t<li>Flexible minimum premium<\/li>\r\n \t<li>SIR structures<\/li>\r\n \t<li>Multiyear policy terms available<\/li>\r\n \t<li>Additional insured status for the named insured\u2019s clients where required<\/li>\r\n \t<li>Worldwide policy territory<\/li>\r\n<\/ul>","hide":"false"},"1588696459364":{"header":"Marine Project Cargo","body":"<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Target Classes<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Petrochemical<\/li>\r\n \t<li>Oil and Gas<\/li>\r\n \t<li>Power generation<\/li>\r\n \t<li>Mining<\/li>\r\n \t<li>Bridge expansion<\/li>\r\n \t<li>Pharmaceutical plants<\/li>\r\n \t<li>Offshore installations<\/li>\r\n \t<li>Terminal expansion projects<\/li>\r\n \t<li>Underground rail \/ tunneling equipment<\/li>\r\n \t<li>Transportation challenges unique to isolated venues (oil sands, ice roads)<\/li>\r\n<\/ul>\r\n<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Product Highlights<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Policy forms and coverages tailored to specific needs<\/li>\r\n \t<li>Multi-line capabilities<\/li>\r\n \t<li>Superior knowledge of DSU\/ALOP<\/li>\r\n<\/ul>","hide":"false"},"1588697973416":{"header":"Marine Hull & Shipbuilders Risk","body":"<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Target Classes<\/strong><\/span><span style=\"color: #7d7d7d;\"> \u2013 owners and operators of:<\/span><\/p>\r\n<ul>\r\n \t<li>Shipyards<\/li>\r\n \t<li>Research vessels<\/li>\r\n \t<li>Workboats, harbor vessels<\/li>\r\n \t<li>Passenger-carrying vessels<\/li>\r\n \t<li>Offshore supply vessels, tugs, and barges<\/li>\r\n \t<li>Coastal tanker and cargo vessels \u2013 brown\/green water<\/li>\r\n<\/ul>\r\n<p style=\"margin-left: 40px; font-size: 10pt; padding-bottom: 12px;\"><em>Protection & Indemnity (P&I) coverage offered, including Crew Liability.<br>(P&I is available when written in conjunction with Hull coverage.)<\/em><\/p>\r\n\r\n<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Product Highlights<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Policy forms and coverages tailored to specific needs<\/li>\r\n \t<li>Multi-line capabilities<\/li>\r\n<\/ul>","hide":"false"},"1588697988948":{"header":"Marine Business Owner's Policy (BOP)","body":"<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Target Classes<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Ship repairers \/ shipbuilders<\/li>\r\n \t<li>Marina operators<\/li>\r\n \t<li>Marine construction<\/li>\r\n \t<li>Marine artisans<\/li>\r\n \t<li>Marine contractors<\/li>\r\n \t<li>Consultants \/ inspectors<\/li>\r\n \t<li>Scientific \/ research \/ educational activities<\/li>\r\n<\/ul>\r\n<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Products Offered<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Marine General Liability \u2013 <em>Products \/ completed operations, Premises Liability, personal and advertising injury, fire, legal and medical payments; Coverage on a per-occurrence basis<\/em><\/li>\r\n \t<li>Hull \/ Protection & Indemnity \u2013 <em>Physical damage to owned watercraft; P&I Liability with option to add crew; Transit Cover<\/em><\/li>\r\n \t<li>Excess Liability \u2013 <em>Excess limit over MGL, Protection & Indemnity; Excess limit over Commercial Auto and Employer\u2019s Liability<\/em><\/li>\r\n \t<li>Mobile Equipment \/ Tools \u2013 <em>Physical loss of damage to mobile equipment or employee tools<\/em><\/li>\r\n<\/ul>","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3160":{"title":"Property","meta_fields":{"accordions_options":{"current_tab":"content","view_type":"accordion","lazy_load":"no","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 4px","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588696442379":{"header":"All Risk \/ Property","body":"We will entertain most property risks where the standard marketplace is not interested or is unable to provide the desired coverage.  We offer a wide range of markets, both admitted and non-admitted, and we work with you to design a program with the coverage and value you need to satisfy even your most sophisticated and demanding client.  Examples include:\r\n<ul>\r\n \t<li>Real Estate: habitational, commercial, industrial<\/li>\r\n \t<li>Public entity<\/li>\r\n \t<li>Hospitality<\/li>\r\n \t<li>Healthcare<\/li>\r\n \t<li>Historic \/ older buildings<\/li>\r\n \t<li>Vacant properties<\/li>\r\n \t<li>Brush or forest areas<\/li>\r\n \t<li>Recycling<\/li>\r\n \t<li>Chemical & energy<\/li>\r\n<\/ul>\r\n<em>Submission requirements: Electronic statement of values, 3-5 year loss history, ACORD application and\/or risk specific questionnaire.<\/em>","hide":"false"},"1588696459364":{"header":"Habitational & Commercial","body":"We place coverage for all types of Habitational & Commercial risks including:\r\n<ul>\r\n \t<li>Primary \/ Excess<\/li>\r\n \t<li>Apartments and condominiums<\/li>\r\n \t<li>Affordable, student, and elderly housing<\/li>\r\n \t<li>New & older construction<\/li>\r\n \t<li>Risks with losses<\/li>\r\n \t<li>All construction types & protection classes<\/li>\r\n \t<li>Single locations or large national schedules<\/li>\r\n \t<li>Mixed use or single occupancy<\/li>\r\n \t<li>HPR (highly protected risk)<\/li>\r\n \t<li>No restrictions on type of business<\/li>\r\n \t<li>Vacant & unoccupied<\/li>\r\n<\/ul>\r\nHighlights\r\n<ul>\r\n \t<li>Competitive rates<\/li>\r\n \t<li>Premiums generally start at $1,500<\/li>\r\n<\/ul>","hide":"false"},"1588697973416":{"header":"Difference in Conditions \/ Earthquake, Flood & Named Storm","body":"We offer catastrophic model report analyses to assist you and your client in gaining a broader perspective on potential exposures and to support a more educated buying decision. Just as no two DIC risks are identical, no two DIC forms are identical.  We have studied every carrier form represented, and pursue coverage enhancements on all placements.  We access the entire marketplace to select the strongest and most competitive carriers and deliver a comprehensive, customized, cost effective solution for you and your valued client.\r\n\r\nWe entertain a wide range of DIC risks, from single location risks to highly diverse Real Estate schedules with locations throughout the United States.  Target Risks include:\r\n<ul>\r\n \t<li>Real Estate: habitational, commercial, industrial<\/li>\r\n \t<li>Public entities<\/li>\r\n \t<li>Hospitality<\/li>\r\n \t<li>Healthcare<\/li>\r\n \t<li>Historic \/ older buildings<\/li>\r\n \t<li>Wineries and bottling companies<\/li>\r\n<\/ul>\r\nHighlights\r\n<ul>\r\n \t<li>Primary \/ Excess<\/li>\r\n \t<li>Layered Accounts<\/li>\r\n \t<li>Follow form with drop down endorsement<\/li>\r\n \t<li>Admitted & non-admitted carriers<\/li>\r\n \t<li>All construction types<\/li>\r\n \t<li>No age restriction<\/li>\r\n \t<li>Premiums start at $1,000<\/li>\r\n \t<li>Solutions for high liquefaction, coastal wind, and flood zones<\/li>\r\n<\/ul>\r\n<em>Submission requirements: electronic statement of values<\/em>","hide":"false"},"1588697988948":{"header":"Builder's Risk \/ Course of Construction","body":"We can address your project-specific or master policy exposure needs.  We match the right carriers and forms to the specifications of the project and insured\u2019s requirements.  We analyze exposures and PMLs, then design a comprehensive and cost effective program.\r\n\r\nWe also recognize the importance of addressing third party contractual obligations and can work with your casualty placements to help coordinate all coverages and assist you in avoiding costly and embarrassing coverage gaps.  Brown & Riding is a leader in the wholesale industry in identifying issues and pioneering coverage enhancements to address these exposures.  Examples include:\r\n<ul>\r\n \t<li>All risk builder\u2019s risk, including or excluding earthquake, flood, and wind exposures<\/li>\r\n \t<li>Project-specific and master policies<\/li>\r\n \t<li>All construction types including high-valued wood frame<\/li>\r\n \t<li>Custom homes<\/li>\r\n \t<li>Renovations \/ remodels \/ conversions<\/li>\r\n \t<li>Roads, bridges, tunnels<\/li>\r\n \t<li>Pipelines<\/li>\r\n \t<li>Site improvements<\/li>\r\n \t<li>New construction<\/li>\r\n \t<li>Installation floaters<\/li>\r\n \t<li>Engineered risks \/ seismic retrofits<\/li>\r\n \t<li>Commercial & residential<\/li>\r\n \t<li>Environmental \/ green projects (LEED)<\/li>\r\n<\/ul>\r\nHighlights\r\n<ul>\r\n \t<li>Admitted & non-admitted carriers<\/li>\r\n \t<li>Catastrophe perils available<\/li>\r\n \t<li>Markets available for replacing coverage midterm<\/li>\r\n \t<li>Premiums start at $1,000<\/li>\r\n<\/ul>\r\n<em>Submission requirements: builder\u2019s risk questionnaire, plot plan, construction budget, construction schedule.<\/em>","hide":"false"},"1588698824967":{"header":"Other Coverages","body":"We offer a variety of other different and unusual first party property risk coverages including:\r\n<ul>\r\n \t<li>Bridges, docks, wharves<\/li>\r\n \t<li>Precious metals<\/li>\r\n \t<li>Stock throughputs<\/li>\r\n \t<li>Inland & Ocean Marine<\/li>\r\n \t<li>Primary and contingent cargo<\/li>\r\n \t<li>Warehouse Legal Liability<\/li>\r\n \t<li>Fine arts<\/li>\r\n \t<li>High-value dwellings<\/li>\r\n \t<li>Equipment breakdown<\/li>\r\n \t<li>Condo conversions<\/li>\r\n \t<li>Light to heavy manufacturing<\/li>\r\n \t<li>Deductible buy downs<\/li>\r\n \t<li>Commercial manufacturing output<\/li>\r\n \t<li>Contractors\u2019 equipment<\/li>\r\n \t<li>Motor truck cargo<\/li>\r\n \t<li>Auto physical damage<\/li>\r\n<\/ul>","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3159":{"title":"Casualty","meta_fields":{"accordions_options":{"current_tab":"content","view_type":"accordion","lazy_load":"no","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 4px","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588696442379":{"header":"General Liability","body":"We handle GL risks of most any type where the standard marketplace is not interested or is unable to provide the desired coverage.  We offer a wide range of markets, both admitted and non-admitted, and we work with you to design a program with the coverage and value you need to satisfy even your most sophisticated and demanding client.  Examples include:\r\n<ul>\r\n \t<li>Occurrence and claims-made<\/li>\r\n \t<li>Construction risks including wrap-ups and project policies<\/li>\r\n \t<li>Habitational: apartments, subsidized housing, condos<\/li>\r\n \t<li>Premises liability: retail, restaurants, offices<\/li>\r\n \t<li>Hospitality: resorts, amusement parks, casinos, hotel \/ motel, bars & nightclubs<\/li>\r\n \t<li>Oil and Gas<\/li>\r\n<\/ul>","hide":"false"},"1588696459364":{"header":"Excess & Umbrella Liability","body":"We have markets, expertise, and experience to help you place umbrella and excess liability risks of all sizes and types, from small $1 million limit umbrellas to large, multi-layered placements.  Here are some of the major classes and risk types we write in this area:\r\n<ul>\r\n \t<li>Manufacturing \/ difficult products<\/li>\r\n \t<li>Construction risks including wrap-ups and project policies<\/li>\r\n \t<li>Transportation risks: trucking, public transportation, livery, etc.<\/li>\r\n \t<li>Real estate: habitational, hospitality, etc.<\/li>\r\n \t<li>Stand-alone excess auto liability<\/li>\r\n \t<li>Healthcare related risks<\/li>\r\n \t<li>Refineries<\/li>\r\n<\/ul>","hide":"false"},"1588697973416":{"header":"Pollution and Environmental Risks","body":"We offer access to a full range of markets along with a depth of technical know-how in environmental coverages and exposures.  We work with you to structure the comprehensive and cost effective environmental insurance programs that your best clients demand. Coverages offered include:\r\n<ul>\r\n \t<li>Contractor\u2019s Pollution Liability (CPL)<\/li>\r\n \t<li>Pollution Legal Liability (PLL)<\/li>\r\n \t<li>Brownfields<\/li>\r\n \t<li>Remediation Cost Cap (RCC)<\/li>\r\n \t<li>Secured Creditor\/Lender Programs<\/li>\r\n \t<li>Owner\u2019s Protective Environmental Insurance (OPEI)<\/li>\r\n<\/ul>","hide":"false"},"1588697988948":{"header":"Product Liability","body":"We handle product liability risks of all types and we excel at the most difficult and hazardous classes.  We offer customized programs including pollution and professional liability extensions, product recall, intellectual property, claims-made buy-outs and conversions to occurrence forms.  Examples include:\r\n<ul>\r\n \t<li>Sporting Goods and Equipment<\/li>\r\n \t<li>Critical Automobile Parts<\/li>\r\n \t<li>Automobile, Recreational Vehicles, and Truck Manufacturing<\/li>\r\n \t<li>Construction related<\/li>\r\n \t<li>Hand and Power Tools<\/li>\r\n \t<li>Toys<\/li>\r\n \t<li>Hazardous Chemicals<\/li>\r\n \t<li>Safety Equipment<\/li>\r\n \t<li>Medical Products\/Devices<\/li>\r\n \t<li>Pharmaceuticals (including clinical trials)<\/li>\r\n \t<li>Food\/Dietary Supplements\/Vitamins<\/li>\r\n \t<li>Industrial Equipment and Machinery<\/li>\r\n \t<li>Amusement Rides<\/li>\r\n \t<li>Machinery Manufacturing<\/li>\r\n \t<li>Cosmetics and Skin and Hair Care Products<\/li>\r\n \t<li>Start-up Operations<\/li>\r\n<\/ul>","hide":"false"},"1588698824967":{"header":"Self-Insured Programs","body":"We offer programs with all levels of insured \/ insurer participation for insureds in any industry.\r\n<ul>\r\n \t<li>Captives \/ fully funded programs<\/li>\r\n \t<li>Excess workers\u2019 compensation<\/li>\r\n \t<li>Large self-insured retentions<\/li>\r\n<\/ul>","hide":"false"},"1588977018502":{"header":"Workers' Compensation","body":"We are experienced with primary\/excess, group\/individual, mono-state\/multi-state workers\u2019 comp, and AD&D placements.  Our relationships with A-rated carriers have consistently generated a high quote-to-bind ratio.  Our capabilities range from online quoting to handling large and complex transactions.  If we can\u2019t handle the risk for whatever reason, we can refer you to our trusted network of partners.\r\n\r\nSome of the risk characteristics we actively seek include:\r\n<ul>\r\n \t<li>Accounts with premiums more than $8,000<\/li>\r\n \t<li>Experience Modification Factors greater than .60<\/li>\r\n \t<li>Non-renewed accounts (for reasons other than non payment, non compliance, or poor financials)<\/li>\r\n \t<li>Book rollovers that are necessary due to carrier downgrades or program terminations<\/li>\r\n<\/ul>\r\nSome of the risk characteristics we cannot underwrite include:\r\n<ul>\r\n \t<li>Accounts with lapses in coverage more than 30 days<\/li>\r\n \t<li>Accounts that were canceled for non-payment or non compliance<\/li>\r\n \t<li>Standard treaty exclusion classes<\/li>\r\n \t<li>Split risks<\/li>\r\n<\/ul>","hide":"false"},"1588977048080":{"header":"Commercial Automobile","body":"Minimum premiums for mono-line Primary Auto Cover start at $10,000 and 10 or more power units.  Accounts with losses and\/or adverse exposure information, or which have legitimate non-renewal issues are not a problem.\r\n\r\nPrimary Auto coverages for:\r\n<ul>\r\n \t<li>Contractor\u2019s fleets, all kinds (light, medium, heavy, x-heavy)<\/li>\r\n \t<li>Aggregate haulers<\/li>\r\n \t<li>Redi-mix trucks<\/li>\r\n \t<li>Non-emergency paratransit<\/li>\r\n \t<li>Taxi cabs<\/li>\r\n \t<li>Owner\u2019s goods on owner\u2019s vehicles<\/li>\r\n \t<li>Public use autos<\/li>\r\n \t<li>Social service autos<\/li>\r\n \t<li>Fuel haulers<\/li>\r\n \t<li>Hazardous wastehaulers<\/li>\r\n \t<li>Garbage haulers<\/li>\r\n \t<li>Pizza delivery<\/li>\r\n<\/ul>","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3158":{"title":"Management & Professional Liability","meta_fields":{"accordions_options":{"current_tab":"content","view_type":"accordion","lazy_load":"no","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 4px","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588696442379":{"header":"Directors & Officers (D&O)","body":"Our expertise in the placement of D&O coverage helps expedite the marketing process and allows you to compliment your internal resources.  We work with every viable D&O insurance carrier and have developed a solid industry reputation and market relationships.  After we analyze the multitude of coverage issues in each policy form, our market clout enables us to enhance a policy by negotiating manuscript endorsements, to help you find superior coverage solutions for your various clients\u2019 needs.\r\n<ul>\r\n \t<li>Public Company<\/li>\r\n \t<li>Initial Public Offering<\/li>\r\n \t<li>Not for Profit<\/li>\r\n \t<li>Private Company<\/li>\r\n \t<li>Public Officials<\/li>\r\n \t<li>Healthcare<\/li>\r\n \t<li>Educators Legal<\/li>\r\n<\/ul>","hide":"false"},"1588696459364":{"header":"Errors & Omissions (E&O)","body":"This is a complex coverage that requires specialized knowledge.  Just as no two policy forms are identical, no two risks are the same.  Our expertise in identifying the risks and exposures facing each individual insured is well-recognized by the underwriting community and can help you expedite the marketing process.  We can help you entertain any risk that charges a fee for their services, as well as exposures needing coverage where a monetary fee may not be initially apparent.  Segments include (but are not limited to):\r\n<ul>\r\n \t<li>Accountants<\/li>\r\n \t<li>Architects & Engineers<\/li>\r\n \t<li>Construction managers<\/li>\r\n \t<li>Cyber \/ Security & Privacy Liability<\/li>\r\n \t<li>Design \/ Build consultants<\/li>\r\n \t<li>Environmental consultants<\/li>\r\n \t<li>Event planners<\/li>\r\n \t<li>Financial institutions<\/li>\r\n \t<li>Healthcare professionals<\/li>\r\n \t<li>Insurance agents \/ brokers<\/li>\r\n \t<li>Lawyers Professional<\/li>\r\n \t<li>Media Liability<\/li>\r\n \t<li>Miscellaneous Professional<\/li>\r\n \t<li>Mortgage brokers<\/li>\r\n \t<li>Real estate-related professionals<\/li>\r\n \t<li>Technology<\/li>\r\n<\/ul>","hide":"false"},"1588697973416":{"header":"Employment Practices Liability (EPL)","body":"Employment Practices Liability has become a standard coverage for commercial clients.  Policy language varies from one carrier to another, and our team has the experience to help you identify the differences for your insureds.  We have detailed knowledge on how the market views, assesses, and provides coverage for the various classes, and will negotiate enhancements to help you offer the most comprehensive coverage available to your clients and to meet the constantly-changing litigation trends.\r\n<ul>\r\n \t<li>Public companies<\/li>\r\n \t<li>Private companies<\/li>\r\n \t<li>Not-for-profit, including 501c3 to 501c6<\/li>\r\n \t<li>Financial institutions<\/li>\r\n \t<li>Public officials<\/li>\r\n \t<li>Healthcare<\/li>\r\n<\/ul>","hide":"false"},"1588697988948":{"header":"Crime","body":"We have an array of market options that excel in all types of Crime\/Fidelity coverage placements (with first and third party coverage available), and our market access and strong relationships with those markets give you the advantage with your clients.  Our knowledge of carriers and coverage on given Crime and Fidelity placements expedites the marketing process and ultimately strengthens your credibility with your clients.\r\n<ul>\r\n \t<li>Blanket employee dishonesty<\/li>\r\n \t<li>Forgery or alteration<\/li>\r\n \t<li>Loss inside \/ outside<\/li>\r\n \t<li>Computer fraud<\/li>\r\n \t<li>Money order<\/li>\r\n \t<li>Counterfeit paper<\/li>\r\n \t<li>Funds transfer fraud<\/li>\r\n \t<li>Loss of client\u2019s property due to employee dishonesty<\/li>\r\n<\/ul>","hide":"false"},"1588698824967":{"header":"Fiduciary","body":"Just as the structure of a business organization may influence which type of Directors\u2019 & Officers\u2019 Liability policy they purchase, the type of fiduciary plans offered and\/or provided by an entity can dictate their need for a specific fiduciary policy.  Our knowledgeable and capable staff can help you decide which policy best suits the coverage needs of your insured.  And we won\u2019t stop there \u2013 we have the ability to adapt policies even further to help you provide the most comprehensive coverage available for your insured\u2019s unique needs.  Placements can include (depending on risk-specific needs):\r\n<ul>\r\n \t<li>Broad wrongful acts definition that includes allegations of breach of fiduciary duty and errors and omissions<\/li>\r\n \t<li>No deductible applies in many cases<\/li>\r\n \t<li>HIPAA Coverage<\/li>\r\n \t<li>Defense Outside options for some classes<\/li>\r\n \t<li>Broad definition of insured, including the company, its benefit plans, and its fiduciaries<\/li>\r\n<\/ul>","hide":"false"},"1588977018502":{"header":"Other Coverages","body":"Every risk is unique, and policy forms and coverages must match the needs of the insured.  Our years of experience and access to 350+ markets company-wide allow us the breadth to scour the insurance marketplace for the solution you need.  The expertise of our industry verticals and coverage-specific teams put us in a position to provide a solution you can trust. We can help you assess the risk profile and provide terms for insureds with needs beyond the traditional insurance realm such as (but not limited to):\r\n<ul>\r\n \t<li>Kidnap, Ransom, Extortion<\/li>\r\n \t<li>Foodborne illness<\/li>\r\n \t<li>Personal Directorship Liability<\/li>\r\n \t<li>Representations & Warranty coverage (mergers and acquisitions)<\/li>\r\n \t<li>Other transactional coverages<\/li>\r\n<\/ul>","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3157":{"title":"Underwriting Capabilities","meta_fields":{"accordions_options":{"current_tab":"content","view_type":"accordion","lazy_load":"no","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas 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Care<\/li>\r\n \t<li>Condo\/Homeowner Association<\/li>\r\n \t<li>Contractors<\/li>\r\n \t<li>Event Planners<\/li>\r\n \t<li>Fireworks Stands<\/li>\r\n \t<li>Habitational<\/li>\r\n \t<li>Handyman<\/li>\r\n \t<li>Hotel\/Motel<\/li>\r\n \t<li>Janitorial<\/li>\r\n \t<li>Lessor\u2019s Risk<\/li>\r\n \t<li>Manufacturers-Distributors-Importers<\/li>\r\n \t<li>Mercantile<\/li>\r\n \t<li>Motor Truck Cargo<\/li>\r\n \t<li>OCP<\/li>\r\n \t<li>Outfitters & Guides<\/li>\r\n \t<li>Owners Tenants Protective<\/li>\r\n \t<li>Products<\/li>\r\n \t<li>Restaurants<\/li>\r\n \t<li>Special Events<\/li>\r\n \t<li>Vacant Land\/Building<\/li>\r\n \t<li>Vendors<\/li>\r\n \t<li><strong>\u2026 and MORE!<\/strong><\/li>\r\n<\/ul>","hide":"false"},"1588696459364":{"header":"Lines of Business","body":"<ul>\r\n \t<li>Commercial Umbrella<\/li>\r\n \t<li>Environmental Exposures<\/li>\r\n \t<li>Excess Personal Liability<\/li>\r\n \t<li>Garage<\/li>\r\n \t<li>General Liability<\/li>\r\n \t<li>Inland Marine<\/li>\r\n 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MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588696459364":{"header":"Construction","body":"<strong>Chris Brown<\/strong><br>\r\n\r\n<em>Chairman, Practice Group Leader<\/em><br>\r\n\r\n213.593.3411<br><a href=\"mailto:chris.brown@brcins.com\">chris.brown@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/construction-practice-group-cpg\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588697973416":{"header":"Energy and Oil & Gas","body":"<strong>Jeffrey Hubbard<\/strong><br>\r\n\r\n<em>SVP, Broker<\/em><br>\r\n\r\n972.402.6664<br><a href=\"mailto:jhubbard@brcins.com\">jhubbard@brcins.com<\/a><br><br>\r\n<strong><a href=\"\/energy-and-oil-gas\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588697988948":{"header":"Entertainment","body":"<strong>Mark Jarboe<\/strong><br>\r\n\r\n<em>VP, Practice Area Leader<\/em><br>\r\n\r\n415.464.2983<br><a href=\"mailto:mjarboe@brcins.com\">mjarboe@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/entertainment\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588698824967":{"header":"Enviromental","body":"<strong>Jeffrey Hubbard<\/strong><br>\r\n\r\n<em>SVP, National Environmental Practice Group Leader<\/em><br>\r\n\r\n972.402.6664<br><a href=\"mailto:jhubbard@brcins.com\">jhubbard@brcins.com<\/a><br>\r\n<br>\r\n<strong>Chris Dockery<\/strong><br>\r\n\r\n<em>SVP, Senior Integrated Products Champion<\/em><br>\r\n\r\n616.285.6503<br><a href=\"mailto:cdockery@brcins.com\">cdockery@brcins.com<\/a><br>\r\n<br>\r\n<strong>Cathy Griffin<\/strong><br>\r\n\r\n<em>VP, Senior Contracting Product Champion<\/em><br>\r\n\r\n616.285.6500<br><a href=\"mailto:cgriffin@brcins.com\">cgriffin@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/environmental-practice-group-epg\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977018502":{"header":"Financial Institutions","body":"<strong>Anne Lund<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n\r\n206.816.6726<br><a href=\"mailto:alund@brcins.com\">alund@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/financial-institutions\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977048080":{"header":"Franchise Industry","body":"<strong>Paul Nowak<\/strong><br>\r\n\r\n<em>EVP, Practice Area Leader<\/em><br>\r\n\r\n206.816.6721<br><a href=\"mailto:pnowak@brcins.com\">pnowak@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/franchise-industry\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977067310":{"header":"Healthcare","body":"<strong>Jeffrey Jarboe<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n\r\n678.225.1381<br><a href=\"mailto:jjarboe@brcins.com\">jjarboe@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/healthcare\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977083191":{"header":"Hospitality","body":"<strong>Jeffery Short<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n\r\n818.536.7243<br><a href=\"mailto:jshort@brcins.com\">jshort@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/hospitality\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977101975":{"header":"Life Sciences","body":"<strong>Suzanne Jensen<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n312.279.3643<br><a href=\"mailto:sjensen@brcins.com\">sjensen@brcins.com<\/a><br>\r\n <br>\r\n<strong><a href=\"\/life-sciences\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977122329":{"header":"Mining","body":"<strong>Donald Privett<\/strong><br>\r\n\r\n<em>Managing Director, Practice Area Leader<\/em><br>\r\n\r\n212.299.4754<br><a href=\"mailto:dprivett@brcins.com\">dprivett@brcins.com<\/a><br>\r\n <br>\r\n<strong><a href=\"\/mining\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977145185":{"header":"Non-Profits: Human Services","body":"<strong>Lisa Rodriguez<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n\r\n206.816.6725<br><a href=\"mailto:lrodriguez@brcins.com\">lrodriguez@brcins.com<\/a><br>\r\n<br>\r\n<strong>Jeffrey Jarboe<\/strong><br>\r\n\r\n<em>SVP, Broker<\/em><br>\r\n\r\n678.225.1381<br><a href=\"mailto:jjarboe@brcins.com\">jjarboe@brcins.com<\/a><br>\r\n <br>\r\n<strong><a href=\"\/non-profits-human-services\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977164579":{"header":"Product Recall & Contamination","body":"<strong>Brad Vandenbroeck<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n\r\n616.285.6513<br><a href=\"mailto:bvandenbroeck@brcins.com\">bvandenbroeck@brcins.com<\/a><br>\r\n<br>\r\n<strong><a href=\"\/product-recall-and-contamination\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977184306":{"header":"Real Estate","body":"<strong><a href=\"\/real-estate\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977203073":{"header":"Technology","body":"<strong>Doug Day<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n\r\n312.279.3650<br>\r\n<a href=\"mailto:dday@brcins.com\">dday@brcins.com<\/a>","hide":"false","hide_schema":"false"},"1588977223733":{"header":"Transportation","body":"<strong>Timothy M. Pedersen, Jr.<\/strong><br>\r\n\r\n<em>SVP, Practice Group Leader<\/em>\r\n<br>\r\n312.279.3655<br><a href=\"mailto:TP2@brcins.com\">TP2@brcins.com<\/a>\r\n<br><br>\r\n<strong><a href=\"\/transportation\/\" target=\"_self\">LEARN MORE<\/a><\/strong>","hide":"false","hide_schema":"false"},"1588977241308":{"header":"Workers' Compensation","body":"<strong>Gloria Lam<\/strong><br>\r\n\r\n<em>SVP, Practice Area Leader<\/em><br>\r\n\r\n213.593.3435<br><a href=\"mailto:glam@brcins.com\">glam@brcins.com<\/a>","hide":"false","hide_schema":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3149":{"title":"Brokerage and Underwriting Applications","meta_fields":{"accordions_options":{"current_tab":"content","view_type":"accordion","lazy_load":"no","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 4px","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588696442379":{"header":"Property","body":"[wpdm_package id='602']\r\n[wpdm_package id='604']\r\n[wpdm_package id='683']\r\n[wpdm_package id='723']\r\n[wpdm_package id='721']\r\n[wpdm_package id='771']\r\n[wpdm_package id='885']\r\n[wpdm_package id='905']\r\n[wpdm_package id='933']","hide":"false"},"1588696459364":{"header":"Casualty","body":"[wpdm_package id='606']\r\n[wpdm_package id='608']\r\n[wpdm_package id='612']","hide":"false"},"1588697973416":{"header":"Management Liability","body":"[wpdm_package id='791']\r\n[wpdm_package id='865']\r\n[wpdm_package id='940']\r\n<p><h3>Quick Quotes<\/h3>\r\nNo login information required! Just fill out one of these simple online forms and receive a response within a few hours. Multiple submissions welcome!\r\n<p><a href=\"\/contact\/epl-quick-quotes\/\">EPL Quick Quote<\/a>\r\n<p><a href=\"\/contact\/non-profit-quick-quotes\/\">Non-Profit D&O Quick Quote<\/a>","hide":"false"},"1588697988948":{"header":"Professional Liability","body":"[wpdm_package id='827']\r\n[wpdm_package id='833']\r\n[wpdm_package id='873']\r\n[wpdm_package id='897']\r\n[wpdm_package id='899']\r\n","hide":"false"},"1588698824967":{"header":"Underwriting","body":"[wpdm_package id='501']\r\n[wpdm_package id='707']\r\n[wpdm_package id='725']\r\n[wpdm_package id='751']\r\n[wpdm_package id='753']\r\n[wpdm_package id='758']\r\n[wpdm_package id='760']\r\n[wpdm_package id='793']\r\n[wpdm_package id='807']\r\n[wpdm_package id='835']\r\n[wpdm_package id='867']\r\n[wpdm_package id='879']\r\n[wpdm_package id='917']\r\n[wpdm_package id='919']\r\n[wpdm_package id='931']","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3150":{"title":"Specialty Practice Area Applications","meta_fields":{"accordions_options":{"current_tab":"general","view_type":"accordion","lazy_load":"yes","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 4px","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588696442379":{"header":"Healthcare","body":"<h4>Ambulance Services<\/h4>\r\n[wpdm_package id='693']\r\n[wpdm_package id='695']\r\n[wpdm_package id='697']\r\n\r\n<br>\r\n<h4>Ancillary Employees<\/h4>\r\n[wpdm_package id='762']\r\n[wpdm_package id='889']\r\n\r\n<br>\r\n<h4>Clinics<\/h4>\r\n[wpdm_package id='585']\r\n[wpdm_package id='727']\r\n[wpdm_package id='731']\r\n\r\n<br>\r\n<h4>Cyber & Privacy Liability<\/h4>\r\n[wpdm_package id='764']\r\n[wpdm_package id='871']\r\n[wpdm_package id='901']\r\n\r\n<br>\r\n<h4>Home Healthcare & Medical Staffing<\/h4>\r\n[wpdm_package id='817']\r\n\r\n<br>\r\n<h4>Hospital<\/h4>\r\n[wpdm_package id='942']\r\n[wpdm_package id='819']\r\n\r\n<br>\r\n<h4>Life Sciences \/ Clinical Trials<\/h4>\r\n[wpdm_package id='733']\r\n[wpdm_package id='837']\r\n\r\n<br>\r\n<h4>Locum Tenens & Contract Staffin<\/h4>\r\n[wpdm_package id='839']\r\n[wpdm_package id='944']\r\n\r\n<br>\r\n<h4>LTC\/ALF\/SNF<\/h4>\r\n[wpdm_package id='693']\r\n[wpdm_package id='841']\r\n[wpdm_package id='843']\r\n\r\n<br>\r\n<h4>Managed Care Liability<\/h4>\r\n[wpdm_package id='845']\r\n[wpdm_package id='847']\r\n\r\n<br>\r\n<h4>Management Liability<\/h4>\r\n[wpdm_package id='789']\r\n[wpdm_package id='881']\r\n[wpdm_package id='849']\r\n\r\n<br>\r\n<h4>Medical Billing<\/h4>\r\n[wpdm_package id='851']\r\n\r\n<br>\r\n<h4>Medical Director<\/h4>\r\n[wpdm_package id='853']\r\n\r\n<br>\r\n<h4>Medical Labs & Imaging Centers<\/h4>\r\n[wpdm_package id='727']\r\n[wpdm_package id='857']\r\n[wpdm_package id='855']\r\n\r\n<br>\r\n<h4>Medical Spa<\/h4>\r\n[wpdm_package id='731']\r\n[wpdm_package id='859']\r\n[wpdm_package id='861']\r\n[wpdm_package id='915']\r\n\r\n<br>\r\n<h4>Misc. Medical Professional Liability<\/h4>\r\n[wpdm_package id='689']\r\n[wpdm_package id='863']\r\n[wpdm_package id='921']\r\n\r\n<br>\r\n<h4>Pharmacy<\/h4>\r\n[wpdm_package id='887']\r\n\r\n<br>\r\n<h4>Physician<\/h4>\r\n[wpdm_package id='891']\r\n[wpdm_package id='893']\r\n[wpdm_package id='895']\r\n\r\n<br>\r\n<h4>Products Liability<\/h4>\r\n[wpdm_package id='903']\r\n\r\n<br>\r\n<h4>Social Services<\/h4>\r\n[wpdm_package id='693']\r\n[wpdm_package id='911']\r\n[wpdm_package id='913']\r\n\r\n<br>\r\n<h4>Surgery Centers & Urgent Care<\/h4>\r\n[wpdm_package id='923']\r\n[wpdm_package id='925']\r\n[wpdm_package id='929']\r\n","hide":"false"},"1588696459364":{"header":"Transportation","body":"[wpdm_package id='735']\r\n[wpdm_package id='948']\r\n[wpdm_package id='743']\r\n[wpdm_package id='785']\r\n[wpdm_package id='797']\r\n[wpdm_package id='799']\r\n[wpdm_package id='805']\r\n[wpdm_package id='809']\r\n[wpdm_package id='950']\r\n[wpdm_package id='869']\r\n[wpdm_package id='907']\r\n[wpdm_package id='927']","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3151":{"title":"Specialty Practice Areas \u2013 \u2013 (Specialties page)","meta_fields":{"accordions_options":{"current_tab":"style","view_type":"accordion","lazy_load":"no","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 4px","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588693890050":{"header":"Amusement Attractions & Action Sports","body":"<em>For more information, visit the <\/em><a href=\"\/amusement-attractions-action-sports\/\">Amusement Attractions & Action Sports<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=967]","hide":"false"},"1588693935060":{"header":"Construction: Practice Policies","body":"[TABS_R id=968]","hide":"false"},"1588694010637":{"header":"Construction: Wrap-Up \/ Project-Specific","body":"<img class=\" wp-image-353 alignright\" src=\"\/wp-content\/uploads\/2016\/10\/shutterstock_43839091.jpg\" alt=\"shutterstock_43839091\" width=\"160\" height=\"160\" \/>This specialist team is a dedicated and coordinated group of more than 20 experienced construction insurance professionals focused on wrap-up and project-specific program design and placement in all lines of coverage.  We provide industry-leading knowledge, market clout, and seamless service for all major construction types throughout the United States and beyond.\r\n<br>\r\n<br>\r\n<em>For more information, visit the <\/em><a title=\"Wrap-Up \/ Project-Specific\" href=\"\/construction-practice-group-cpg\/\">Wrap-Up \/ Project-Specific<\/a><em> page.<\/em>","hide":"false"},"1588696079297":{"header":"Energy and Oil & Gas","body":"<em>For more information, visit the <\/em><a href=\"\/energy-and-oil-gas\/\">Energy and Oil & Gas<\/a><em>  page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=1555]","hide":"false"},"1588696125793":{"header":"Entertainment","body":"<em>For more information, visit the <\/em><a href=\"\/entertainment\/\">Entertainment<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=1753]","hide":"false"},"1588696162212":{"header":"Environmental","body":"<em>For more information, visit the <\/em><a href=\"\/client-services\/specialty-practice-areas\/environmental-practice-group-epg\/\">Environmental<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=973]","hide":"false"},"1588696183988":{"header":"Financial Institutions","body":"<em>For more information, visit the <\/em><a title=\"Financial Institutions\" href=\"\/financial-institutions\/\">Financial Institutions<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=974]","hide":"false"},"1588696206171":{"header":"Franchise Industry","body":"<em>For more information, visit the <\/em><a title=\"Franchise Industry\" href=\"\/franchise-industry\/\">Franchise Industry<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=3010]","hide":"false"},"1588696236642":{"header":"Healthcare","body":"<em>For more information, visit the <\/em><a title=\"Healthcare\" href=\"\/healthcare\/\">Healthcare<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=975]","hide":"false"},"1588696269191":{"header":"Hospitality","body":"<em>For more information, visit the <\/em><a title=\"Hospitality\" href=\"\/hospitality\/\">Hospitality<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=2298]","hide":"false"},"1588696288635":{"header":"Life Sciences","body":"<em>For more information, visit the <\/em><a title=\"Life Sciences Practice Area\" href=\"\/life-sciences\/\">Life Sciences<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=976]","hide":"false"},"1588696305035":{"header":"Mining","body":"<em>For more information, visit the <\/em><a title=\"Mining Practice Area\" href=\"\/mining\/\">Mining<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=2964]","hide":"false"},"1588696326148":{"header":"Non-Profits: Human Services","body":"<em>For more information, visit the <\/em><a title=\"Non-Profits Human Services Practice Area\" href=\"\/non-profits-human-services\/\">Non-Profits Human Services<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=977]","hide":"false"},"1588696399278":{"header":"Product Recall & Contamination","body":"<em>For more information, visit the <\/em><a title=\"Product Recall & Contamination (PRC)\" href=\"\/product-recall-and-contamination\/\">Product Recall & Contamination<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=978]","hide":"false"},"1588696421259":{"header":"Real Estate","body":"<em>For more information, visit the <\/em><a title=\"Real Estate\" href=\"\/real-estate\/\">Real Estate<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=979]","hide":"false"},"1588696442379":{"header":"Technology","body":"[TABS_R id=2165]","hide":"false"},"1588696459364":{"header":"Transportation","body":"<em>For more information, visit the <\/em><a title=\"Transportation\" href=\"\/transportation\/\">Transportation<\/a><em> page.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=980]","hide":"false"},"1588696484766":{"header":"Workers' Compensation","body":"<img class=\" wp-image-353 alignright\" src=\"\/wp-content\/uploads\/2020\/04\/workers_comp_crop.jpg\" alt=\"shutterstock_43839091\" width=\"160\" height=\"160\" \/>We are experienced with primary\/excess, group\/individual, mono-state\/multi-state workers\u2019 comp, and AD&D placements.  Our relationships with A-rated carriers have consistently generated a high quote-to-bind ratio.  Our capabilities range from online quoting to handling large and complex transactions.  If we can\u2019t handle the risk for whatever reason, we can refer you to our trusted network of partners.\r\n\r\nSome of the risk characteristics we actively seek include:\r\n<ul>\r\n \t<li>Accounts with premiums more than $8,000<\/li>\r\n \t<li>Experience Modification Factors greater than .60<\/li>\r\n \t<li>Non-renewed accounts (for reasons other than non payment, non compliance, or poor financials)<\/li>\r\n \t<li>Book rollovers that are necessary due to carrier downgrades or program terminations<\/li>\r\n<\/ul>\r\nSome of the risk characteristics we cannot underwrite include:\r\n<ul>\r\n \t<li>Accounts with lapses in coverage more than 30 days<\/li>\r\n \t<li>Accounts that were canceled for non-payment or non compliance<\/li>\r\n \t<li>Standard treaty exclusion classes<\/li>\r\n \t<li>Split risks<\/li>\r\n<\/ul>","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3152":{"title":"Hub Success Stories","meta_fields":{"accordions_options":{"current_tab":"style","view_type":"accordion","lazy_load":"yes","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 0","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588693890050":{"header":"Primary CGL\/CPL\/E&O\/XS","body":"<strong>Key Players\/Coverage<\/strong><br>\r\nB&R Team \u2013 Chris Dockery - Grand Rapids, MI<br>\r\nHUB Team \u2013 Linda Folger (EVP)\/Chuck Burnham - Cary, NC<br>\r\nCarrier \u2013 XL\/Catlin<br>\r\nCoverage Bound \u2013 Primary CGL\/CPL\/E&O & $10M XS\r\n<br>\r\n<br>\r\n<strong>The Challenge<\/strong><br>\r\nThis risk was entering its second year of operation and was not well-placed in its startup year. As a result, HUB wanted to clean up and consolidate the program. Knowing the complexity of the challenge, George Sella from B&R referred the risk internally to Chris Dockery in the Environmental Practice Group (EPG), and Jimmy Debenport, an energy broker\/specialist.\r\n<br>\r\n<br>\r\n<strong>Unique\/Timely Solution<\/strong><br>\r\nB&R\u2019s team marketed the risk to several selected carriers in the O&G space, including XL Catlin\u2019s O&G group. Two viable CGL\/CPL\/PL proposals were received, and the client was immediately debriefed on the details. The client understood very clearly that, although more than twice the cost of the other quote, the XL Catlin quote provided the coverage essential to the insured\u2019s operations.\r\n<br>\r\n<br>\r\n<strong>Outcome<\/strong><br>\r\nAlthough expiring premiums were under $10,000 for Primary CGL & Contractors Pollution, the program was bound with XL Catlin, including CGL\/CPL\/E&O and $10M XS for close to $72,000 premium.","hide":"false"},"1588693935060":{"header":"General Liability\/XS","body":"<img src=\"\/wp-content\/uploads\/2016\/10\/Nick_Kuchilis_Large.jpg\" alt=\"\" width=\"300\" height=\"150\" class=\"alignleft size-full wp-image-109\" \/>\r\n\r\n<strong>Key Players\/Coverage<\/strong><br>\r\nB&R Team \u2013 Nick Kuchulis \u2013 Los Angeles, CA<br>\r\nHUB Team \u2013 Rachel Stroup, HUB Concord, CA<br>\r\nCarrier \u2013 AWAC (admitted)<br>\r\nCoverage Bound \u2013 GL\/XS\r\n<br>\r\n<br>\r\n<strong>The Challenge<\/strong><br>\r\nThe incumbent carrier on the account advised that it would not be competitive upon renewal and the HUB producer was informed that there was an RFP out to two other agents. It was imperative to find a new home for the risk with the appropriate coverage at a competitive rate\u2026 quickly.\r\n<br>\r\n<br>\r\n<strong>Unique\/Timely Solution<\/strong><br>\r\nLeveraging B&R\u2019s market knowledge and access to carriers willing to handle challenging risks, Nick identified AWAC as the right market for the job. He immediately approached the company to confirm its appetite and competitiveness in the sector.\r\n<br>\r\n<br>\r\n<strong>Outcome<\/strong><br><br>\r\nThe expiring GL premium was $154,429 based off a $65M \/ $2.375 rate. After delivering a comprehensive submission and through fast negotiation, AWAC (Admitted) was able to come in at $1.8552, based off $65M. That included several enhancements, such as:\r\n\t<li>90 percent minimum earned at audit<\/li>\r\n\r\n\t<li>No independent contractor limitation on the policy<\/li>\r\n\r\n\t<li>Per project aggregate $10M cap<\/li>\r\n\r\n\t<li>$250K riggers sub-limit<\/li>\r\n\r\n\t<li>AWAC also quoted the lead $24M excess at $85,000<\/li>\r\n\r\n<br>\r\nThe HUB producer confirmed she would have lost the account were it not\r\nfor this highly competitive option, and she was able to retain the\r\nrenewal on an important account.","hide":"false"},"1588694010637":{"header":"GC\/Developer \u2013 Large Wood Frame Residential","body":"<img src=\"\/wp-content\/uploads\/2017\/02\/ChrisBading.jpg\" alt=\"\" width=\"100\" height=\"120\" class=\"alignleft size-full wp-image-1032\" \/>\r\n\r\n<strong>Key Players\/Coverage<br><\/strong>\r\nB&R Team \u2013 Chris Bading \u2013 Seattle, WA<br>\r\nHUB Team \u2013 Is it Jenny Landers, HUB NW<br>\r\nCarrier \u2013 TRU (Technical Risk Underwriters)<br>\r\nCoverage Bound \u2013 Builders\u2019 Risk\r\n<br>\r\n<br>\r\n<strong>The Challenge<br><\/strong>\r\nBecause of the nature of the risk, the number of markets available is quite small compared to other types of construction, and the coverage terms can vary widely.  Having proper security on site during construction is critical to an underwriter\u2019s evaluation in this field. The insured continually had difficulty getting insurers to accept the program it had in place and was looking for ways to avoid this situation in the future.\r\n<br>\r\n<br>\r\n<strong>Unique\/Timely Solution<br><\/strong>\r\nThe team (Insured, Security Vendor, B&R, HUB) decided on a new approach. Rather than try and muscle through the renewal with the status quo, they worked collaboratively to develop a new, formal security plan and developed a comprehensive, written proposal that accompanied the market submission.\r\n<br>\r\n<br>\r\n<strong>Outcome<\/strong>\r\nTRU gave sign-off on the plan and offered a rate decrease on all projects moving forward if they used the same plan that was presented.  Two projects were bound initially, and a third is in the works.  Jenny at Hub was very happy that the security plan was presented proactively and accompanied the submission \u2013 it wasn\u2019t an afterthought.  The client is relieved not have the same \u201cissues\u201d as it had in the past and is satisfied with the full transparency it has earned between itself and TRU on security measures.\r\n","hide":"false"},"1588695446912":{"header":"Disease and Wellness Management","body":"<p><strong>Key Players\/Coverage<\/strong><br \/>B&R Team \u2013 Carole Brown - San Francisco, CA<br \/>HUB Team \u2013 John Murphy - Sacramento, CA<br \/>Coverage \u2013 Privacy\/Cyber Liability<br \/><br \/><strong>The Challenge<\/strong><br \/>The insured was unwilling to purchase privacy\/cyber liability insurance for years. With the massive, upward trend in cyber crimes and privacy breaches, it was increasingly important that the insured understand the extent of the exposure and the need to be properly protected if an event occurred. <br \/><br \/><strong>Unique\/Timely Solution<\/strong><br \/>John Murphy worked with B&R to market the risk, but more importantly, requested that Carole Brown speak directly with the client to explain the coverage, when and where it applied, and outline what happens in the event of a claim. <br \/><br \/><strong>Outcome<\/strong><br \/>The insured finally purchased the coverage in 2015, and at each renewal John and Carole work closely to evaluate the policy terms and ensure that the risk is appropriately covered. Part of the expert advice and deliverables in the relationship include policy analysis, explaining typical claim scenarios, and detailing how the policy will respond to specific situations. The insured currently carries $2MM limits of coverage but is contemplating increasing the limit based on these meetings and consultations.<\/p>","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}}}},"3153":{"title":"Real Estate \u2013 \u2013 (Practice Area page)","meta_fields":{"accordions_options":{"current_tab":"style","view_type":"accordion","lazy_load":"yes","lazy_load_src":"","hide_edit":"yes","enable_autoembed":"no","enable_shortcode":"yes","enable_wpautop":"no","enable_schema":"no","accordion":{"collapsible":"true","expanded_other":"no","height_style":"content","active_event":"click"},"tabs":{"collapsible":"true","active_event":"click","navs_alignment":"left"},"icon":{"active":"<i class=\"fas fa-angle-right\"><\/i>","inactive":"<i class=\"fas fa-angle-down\"><\/i>","color":"#000000","color_hover":"#000000","background_color":"#e8e8e8","font_size":"20px","padding":"0 15px 0 10px","margin":"","position":"left"},"header":{"class":"border-none","background_color":"#e8e8e8","active_background_color":"#e8e8e8","color":"#000000","color_hover":"#000000","font_size":"16px","font_family":"Helvetica","padding":"9px","margin":"5px 0"},"body":{"class":"","color":"#000000","font_size":"15px","font_family":"Helvetica","background_color":"#ffffff","padding":"","margin":"0 0 0 40px"},"container":{"padding":"15px 0","background_color":"#ffffff","text_align":"left","background_img":"","width_large":"100%","width_medium":"100%","width_small":"100%"},"content":{"1588693890050":{"header":"Asset Management D&O and E&O","body":"<p>[TABS_R id=1799]<\/p>","hide":"false"},"1588693935060":{"header":"Property - Habitational, Commercial, and Industrial Real Estate","body":"<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Types of Real Estate<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Apartments<\/li>\r\n \t<li>Condominiums<\/li>\r\n \t<li>Townhomes<\/li>\r\n \t<li>Single Family Homes<\/li>\r\n \t<li>High Value Homes<\/li>\r\n \t<li>Mobile Home Parks<\/li>\r\n \t<li>Affordable Housing, including Section 8 and Section 42<\/li>\r\n<\/ul>\r\n<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Target Classes<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>Property Owners and Managers<\/li>\r\n \t<li>Real Estate Investment Trusts (REITs)<\/li>\r\n \t<li>Financial Institutions<\/li>\r\n \t<li>Private Equity Firms<\/li>\r\n \t<li>Asset Managers \/ Fund Managers<\/li>\r\n \t<li>Condominium Associations<\/li>\r\n \t<li>Homeowners Associations<\/li>\r\n \t<li>Contractors<\/li>\r\n \t<li>Builder \/ Developers<\/li>\r\n \t<li>REO SFH Investor Portfolios<\/li>\r\n<\/ul>\r\n<p style=\"font-family: Arial;\"><span style=\"color: #1d4b6b;\"><strong>Products Offered<\/strong><\/span><\/p>\r\n<ul>\r\n \t<li>All Risk \/ Property<\/li>\r\n \t<li>DIC \/ Earthquake, Flood, and Named Storm<\/li>\r\n<\/ul>","hide":"false"},"1588694010637":{"header":"Casualty","body":"<em>In addition to standard apartment and office building placements, we specialize in finding effective solutions for accounts that fall outside the standard marketplace.<\/em>\r\n<br>\r\n<br>\r\n[TABS_R id=1979]","hide":"false"}},"custom_scripts":{"custom_js":"","custom_css":""}

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