SRL Special Risks Limited Insurance Center

BOP (Business Owner’s Policy)

Combined Property and Casualty ISO coverage form for OFFICE and MERCANTILE classes including Beverage Stores (Beer, Liquors, Wine), Clothing stores, Florists, Gift Stores, Pet stores, Music stores, Antique stores and many others.

Built in Equipment Breakdown coverage at no additional charge
Multiple Coverage Enhancements including interruption of Computer operations, Employee dishonesty
Increased Coverage for Electronic data; Valuable papers and records, Outdoor Property and more
Limits: Property $1Mil
Liability $1mil/$2mil

Minimum Package Premium: $450 ($650 at $1 mil/ $2 mil GL limits)

Download Application

Christmas Kiosks & Christmas Tree Lots Program

Full Commercial General Liability coverage (excluding Medical Payments) for Christmas Kiosks and Christmas Tree Lots owners and operators. Available in New England and New York state.

Limits: Up to 1 Million/ 1 Million
Minimum Premium: $350
Minimum Deductible: $250
Special Features:
Three Months Maximum Policy Term $25 Charge for Each Additional Insured

Exclusions: Tree Lots with consumers cutting their own tree using a power saw; Santa Claus / Elf visits; Amusement rides

Crops, Orchard & Vegetable Farm Owners Program

Farm Property & Liability coverage for Farm and Ranch business such as Growing or marketing of fields crops, fruits, nuts, vegetables, flowers Pick- your-own & cut-your own operations (blueberry, strawberry, apples) Greenhouse or nursery stock / sod including cut flowers, potted plants Christmas trees, fruit/nut trees, lawn sod, cranberry bogs Grove and orchard production Grain, hay/straw/fodder products

Farms total acreage up to 2,000
Available in: New England and New York State
Minimum Deductible: $500 (BI / PD)
Minimum Premium: $320 ($550 on All Farm Policy)
Special Features:
Fruit stands are eligible for coverage
All Protection classes are eligible
Dwellings, barns and sheds are eligible

Prohibited Exposures: Tobacco Farms; Custom farming for others; Farm Labor and Migrant Workers; Rental of farm / mobile equipment / saddle animals; Hired or Non-owned Auto; Use of watercraft on the insured’s premises; Commercial Feed Ranches

Entertainers

Available in New England and New York State

GL/ Property/ Inland Marine Coverage for local level entertainers, who perform at private parties, fairs, exhibitions, weddings, neighborhood carnivals and theatrical companies Eligible Classes Include:
Bands/Musicians, Face painting, Santa & Mrs. Clause, Clowns/Magicians, Fortune Tellers, Theatrical Performers, Singing/Stripping Telegrams, DJ’s, Karaoke Hosts, Home Party Entertainers

Minimum Premium: $750 (GL)
Rate: $10.00 per 1,000 receipts
Special Features: No inspection required

Prohibited Exposures: Hip Hop / Rap / Hard Rock Bands; Promoters of Shows; High Profile Entertainers, Indoor; Outdoor Pyrotechnics

For Profit ELP and Non-For Profit ELP/ D&O Programs

Zero Retention for organizations with less than 10 employees
Not-For-Profit Organizations of ANY SIZE eligible
For-Profit Firms with up to 250 employees eligible
2 Year Annual Installment Policy Available
No Financials required for insured with less that $1Mil in assets and $250K in salary expenses
Excellent Claim Service

Fireworks Stands Insurance

General Liability Coverage for Fireworks Stands available in New England states

Insurers: A. M. Best® A Rated Carriers
Limits: Up to 1 Mill/ 1 Mill
Minimum Premium: $350
Additional insured available at $ 100 charge

Exclusion: No fireworks demonstrations on premises of the insured
No Permanent buildings in excess of 500 sq. ft

Submit ACORD Applications to get a Quote

In-Home Day Care Providers & Preschools

Coverage for In-Home Care Providers, Nanny Services and Day Care Classes risks up to 100 children including General Liability, E&O, Contents & Buildings

Available In : New England and New York State
Limits: Up to 1 Million (GL)
Deductible: $250
Special Features:
Field Trips Allowed
Additional Sexual Abuse Liability (100 / 300)
Night Time/ Over Night Stay may be included

Prohibited Exposures: Swimming Pools; Animals; Adult Day Care; Trampolines

Liquor Liability: Monoline or Package Policy

Liquor Liability coverage can be written on a Package Basis or as Monoline Liquor (Rates and Minimum Premiums are surcharged 10% for monoline Liquor).

Eligible Classes of business: Restaurants, Bars/Taverns, Hotels, Clubs, Convenience Stores, Grocery/Package Stores, Liquor Distributors, and Liquor Manufacturers.

Available in: New England states (Except VT)
Limits: up to $1Mil/ $1Mil
Minimum Premium: $500 ($400 in CT, ME)

Assault and Battery is excluded from the Liquor Coverage; but can be provided on the General Liability, either at full limits or selected sublimits, depending on the class of business.

Prohibit Exposures:
Fraternal Clubs, Gun Clubs, Lodges, Gentleman’s/Strip Clubs.
Establishments with live rock, rap or hip-hop bands
Establishments that sell alcohol for off-premises consumption that do not have clearly established procedures regulating the sale of alcohol to minors or customers under the influence.

Click here to download application

Livestock Farming Program

Farm Property & Liability coverage for Farm and Ranch business such as
Cattle, bison, llama, sheep, goats, swine, fur bearing animals
Horse farms (boarding, breeding, racing, training operations)
Clubs, horse shows and rodeos, riding instructions
Dude ranches, Rod & Gun Clubs
Fishing and Hunting clubs / lodges/ camps
Bee keeping or raising and honey production
Aquaculture (fish, shellfish, frogs, seaweed)
Fish hatcheries and fish farms
Poultry (chickens, turkeys, ducks, geese)
Meat , fish or poultry processing
Dairy operations

Available in: New England and New York State
Minimum Deductible: $500 (BI/PD)
Minimum Premium: $250 ($ 550 All Farm Policy)
Special Features:
All Protection classes are eligible
Dwellings, barns and sheds are eligible
Care, custody & control coverage available
Commercial auto coverage available

Markets For Private Schools

Available in New England and NY State
An Admitted Market (No Inspection or Taxes) For Property & Casualty for the Following Classes Of Business:

Private Schools, Parochial Schools , Gymnastics Schools, Charter Schools, Nursery Schools, Montessori Schools, Tutoring Schools, Day Care Centers, Schools for the Arts, Amateur Sports, Pre School Centers, Marshall Arts Schools, Performing Arts Schools, Dance Schools, Trade / Vocational Schools

Available In: New England and New York State
A wide variety of special coverages depending on the class of business

Pest Control Contractor Program

General Liability and Property coverage available for contractors who use
any substances for preventing, destroying, repelling, or mitigating pests such as insects, rodents, fungi, bacteria, weeds, or other form of plant life

Exclusion: Pest Control Accounts that are involved in wood destroying organism work (termites powder post beetles, carpenter ants etc) or inspection work

Available in: New England and New York State
Insurers: A. M. Best® A Rated Carriers
Minimum Premium: $125
Rate: $10.00 per 1,000 receipts
Special Features:
Pollution coverage available for exterior work contractors Additional Insured coverage available Subcontractors work
Liability coverage available

Prohibited Exposures: Pest Control Operations with the following license Aerial Pesticide Applications; Agricultural Plant / Animal Product; Aquatic Pest Control; Forest Pest; Control Demonstrate / Research Pest Control; Not Licensed Operators; Any work in the 5 Boro’s of NY – Queens, Bronx, Brooklyn, Manhattan, Staten Island.

Products Liability Insurance

Flexible Liability Coverage for Manufacturers, Sellers or Distributors of wide range of products.
Hard-to-place products exposures, New Products and New Companies are eligible

Insurer: A M Best A Rated Carrier
Limits: up to $ 5 Mill/ $5Mill
Minimum Premium: $1,000

Examples of Products Written:
Helmet Manufacturing, Skin Care Products, Over the counter drugs, Bullet Proof Vests, Pet Care products, Buffalo Burgers, Food Products

Coverage Options:
Product Liability Only
Product Liability with Vendors and /or Product Recall

Special Features:
• Specialize in Hard-to- place products exposures
• New Products and New Companies eligible
• Discontinued products coverage available
• Flexible terms and conditions

Small Office Tenant Package

Available in New England and New York Sate

Minimum Premium: $400 (Package policy)
$350 (Mono-line GL)

Property and Liability Coverage for Tenant Occupied Business Offices such as:
Accountants, Bookkeeping/Tax Preparation ; Computer Service Insurance/Real Estate Agents Mortgage Companies Title Companies etc.

Property Limits: Up to $250,000
Deductible: $500
Liability Limits: Up to 1Mil/2 Mil
Coverage: GL – included
Crime – included
Non-owned Auto Liability – included
Landlord included as additional insured

Insurer: A.M. Best A Rated Carrier

Special Events Insurance

General Liability and Liquor Liability coverage available in New England and New York state. Eligible Classes Include:
Art &Crafts , Auto & Boat Shows, Fashion Shows, Corn Mazes, Horse & Dog Shows, Easter Egg Hunts, Dances, Fishing Tournaments, Fairs & Festivals, Pumpkin Patches, Home Improvement Shows and other risks

Limits: $300,000 to $1,000, 000
Minimum Premium: $300
Minimum Deductible: $250 (on Bodily Injury)
Special Features:
No inspection required
Policy includes coverage for setup and takedown

Prohibited Exposures: 10,000 or more spectators per day; Animal Rides; Events with Fireworks; Bleachers over 4 tiers without backs

Swimming Pools Contractors / Dealers Program

Swimming Pools Contractors / Dealers Program GL, Property and Inland Marine coverage available in New England and NY State

Eligible operations: Construction Installation, Service Repair & Renovation
Eligible classes: Swimming Pools, Hot Tubs, Spas (in-ground /above ground)
Minimum Owner Payroll: $16,000
Special Features:
Diving Board installation / repair eligible
Residential water slide installation / repair eligible
Subcontractors work Liability coverage available

Prohibited Exposures:
Commercial Waterslide construction / repair, Portable spa rentals ;
Installation of child /safety fencing; Hired or Non-owned Auto coverage; Any work in the 5 Boro’s of NY – Queens, Bronx, Brooklyn, Manhattan, Staten Island.