Agents Get a Quote

BOP, General Liability, Commercial Auto, Worker's Comp, Excess, Cyber Liability, Property, Inland Marine, Bonds, E&O/D&O, Flood.

1,300 types of business accepted. 

• Artisan Contractors

• Clubs and associations

• Cultural institutions

• Financial services

• Healthcare

• Lessors Risk (can depend on tenancy)

• Real estate

• Restaurants

• Retail stores

• Service businesses

• Technology

• Wholesale businesses

Up to $5M in liability

Up to $25M in property coverage

Term & Whole Life

• Non-medical & medical exam policies available

• $50K-25M  available

• Smoker & non smoker available

• Many rider available: Child, accidental death, accelerated death, waiver of premium, etc.

Risks Eligible for Coverage:  

• Protected (within 5 miles of a fire station and 1,000 ft. of hydrant) homes of $500,000 of coverage A value or more.

• Jewelry, fine art, collections, as part of a package acct.

• High symbol, high performance vehicles with acceptable driving records as part of a package acct.

• Yachts of $100,000 in value or more

• Condo or Renters with at least $75,000 in contents ($150,000 for Florida)

• Collector car accounts, will be considered monoline

Ineligible Risks: (Not limited to the following)  

• Unprotected homes (over 5 miles to a fire station and no fire hydrants within 1000 feet)

• Homes built prior to 2000 with EFIS on or about the property (visit Product Resources for information on EFIS)

• Unsupported secondary residences

• Homes under construction or renovation

• Homes with loss frequency, prior multiple water losses or 'open' status claims

• Homes valued over $1 million that are not equipped with a central station alarm system

• Monoline high performance vehicles

ELIGIBILITY

Risks eligible for the Big I Markets Auto & Home - Standard Markets program include:

• IFS (insurance financial score) subject to Company acceptability

• No Loss Frequency

• No Violation Frequency

• Minimum Automobile Liability Limit quoted is $50,000/$100,000 or $100,000 CSL

• No Automobile Liability only policies, there must be at least one vehicle with physical damage coverage, except Progressive

• No unprotected dwellings

• No unsupported secondary dwellings

• No log homes

• No dwellings insured for less than 100% of the replacement

Risks Eligible for Coverage:  

• All policies can be considered for monoline

• No prior insurance accepted

• No credit checks

• Tickets and accidents accepted

• Prior home claims accepted 

• Non-Protected (more than 5 miles of a fire station and 1,000 ft. of hydrant accepted) homes of $100,000 of coverage A value or more or better.

• Jewelry, fine art, collections, as part of a package acct as endorsement if applicable.

• High symbol, high performance vehicles accepted.

• Condo or Renters with at least $50,000 in contents ($150,000 for Florida)

• Monoline high performance vehicles

Availability is currently limited to the carriers below.

AIG

Alinsco

American Risk Insurance

Bristol West

Chubb

Clearcover

Common Wealth

Dairyland

Elephant

Foremost

Gainsco

Hallmark

Jewelers Mutual 

Lemonade

Liberty Mutual

Mendota

Progressive

Safeco 

TWICO

Wellington

UNDERWRITING
Please note that coverage is not automatic with a broker of record submission. Each risk will be re-underwritten and accepted or declined based upon its attributes. All risks must meet the eligibility requirements of our program, as described in carrier's  underwriting and coverage pages.

Coverage cannot be amended prior to the effective date of the broker change request. Retroactive changes are not accepted. Please contact the prior producer to process changes prior to the effective date of the BOR.

When submitting your online BOR request:

Please enter your client's account ONLY once regardless of how many policies you are requesting. 

After acquiring a policyholder through a BOR, you must immediately obtain, all original signed application including selections, exclusions and rejections of optional coverage. For compliance purposes please retain copies in your office.

MULTIPLE POLICIES / BOOK ROLL Requests involving multiple policyholders via book roll must be entered separately.