Coastal Insurance Underwriters – Personal Lines Solutions

Child Care / Schools

Specialty Educators, Trainers, and Instructors

This product is designed to cover up to 30 different types of instructional schools including, but not limited to, Art schools, Athletic instruction, Dance schools, Music training and Tutoring services. Professional liability is included at no additional premium on most classes. Abuse and Molestation coverage is available on many classes.

Product Description Eligibility

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Specialty Educators, Trainers, and Instructors

Nearly 60 million children in the U.S. are being affected by closures or precautionary measures in schools. According to a national poll, over 40% of families are now more likely to homeschool. As a result, there has been a drastic increase in the number of homeschool support organizations that coordinate social and academic meetings for these children and their families. And USLI can help you insure them!

USLI has designed a policy that specifically provides coverage for these types of risks:

Minimum Premium: GL/E&O starts at $735 ($500 in CA) and Property at $250
Abuse & Molestation coverage offered up to $1M/$3M
Special Events coverage available at no charge
General Liability coverage included for volunteers
Fast & efficient service: full package coverage through one application, one carrier, one policy
A++ rating by A.M. Best

To get a quote for the home school support group – please complete and return the home school support group application. Note – this is coverage for the group, not for the teacher/tutor him/herself. If you want a quote for the teacher/tutor also, please also complete and return the teacher & tutor application. Completed applications can be emailed to submission@ciuins.com.

Group Application Teacher and Tutor Application

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Child Care - Residential and Commercial

We provide comprehensive coverage for residential and commercial child care centers including Nursery Schools, Head Start Programs, Montessori Schools, and Before and After School Care. Our superior coverage automatically includes Professional Liability as well as Medical Payments that includes children enrolled in the center for no additional charge. Employees are considered insureds for Defense Cost Reimbursement Coverage as well as Molestation and Abuse Coverage on most centers. Please complete the application and email it to submission@ciuins.com for a quote.

Product Description Application

Contractors / Vacants

Ground Up Construction Builders' Risk

This product is specifically designed to provide liability coverage to those clients who are building a new structure (from the ground up). Policy terms of 3, 6, 9 or 12-months are available. Please note – property coverage is not available in Florida.

Product Description

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Liability for Buildings Under Renovations

This product is specifically designed to provide liability coverage to those clients whose building is undergoing renovations. Renovations must be non-structural only and the cost of the renovations must be under $250,000. Policy terms of 3, 6, 9 or 12-months are available. Please complete the application and email it to submission@ciuins.com for a quote. Please note – property coverage is not available in Florida.

Product Description Application

Truckers

This product is designed to accommodate the needs of a wide variety of trucking risks including, but not limited to, Gravel Haulers, Log Haulers and Coal Haulers. New ventures are eligible and we offer the Blanket Additional Insured and Waiver of Subrogation endorsements This product is non-auditable as coverage is priced on a per unit basis up to 20 units.

Product Description

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Vacant Building

Our product covers vacant commercial and residential buildings, condominium units and rental space, as well as partially vacant buildings. Coverage for contents and risks with renovations is also available. There is no restriction on the length of vacancy and we offer flexible policy terms of 3,6,9 or 12 months. Special form and Replacement Cost are available for buildings 25 years old or newer.

Product Description Eligibility

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Vacant Land

This Product targets applicants owning up to 1,000 acres at any one location that is completely vacant, not leased to others, and has no construction activity scheduled to occur during our policy term.

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Janitorial Services

This product provides comprehensive coverage for the unique exposures faced by today’s residential and commercial contractors. Eligible risks include those where up to 50% of their operations include floor waxing. We offer a number of coverages vital to the janitorial services industry such as General Liability, Property, Contractors Equipment, Rental Reimbursement, Lost Key Coverage, Property Damage Extension Endorsement, Independent Contractor’s Coverage and Blanket Additional Insured Endorsement.

Product Description Eligibility

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Lawn Care

This product offers coverage to a specific segment of the lawn care service industry – the small owner operator that is mowing, raking/blowing leaves, planting, gardening and mulching. General Liability and Contractor’s Equipment Coverage is available.

Product Description Eligibility

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Artisan / Trade Contractors

This product is specifically designed to accommodate over thirty eligible Artisan and Trade Contractor classes who undertake or manage one or multiple phases of a construction project and subcontract less than 50% of the work. New construction or remodeling of Commercial and Residential Structures are all eligible subject to $500,000 in annual payroll and $1,000,000 in annual sales. Our specialty is new ventures. We offer a non-reporting Blanket Additional Insured Coverage as well as Waiver of Subrogation.

Product Description Eligibility

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Directors & Officers

Non Profit Management Liability Insurance (other than Condo or HOA)

Our product has a separate and additional limit for employment practices liability, thus protecting the directors and officers limit. Fiduciary Liability starts at $100 and our “occurrence feature” of a lifetime occurrence reporting provision for former directors and officers further differentiates our product. New coverage features include expanded defense and settlement language as well as the definition of loss, personal injury, breach of contract, final adjudication, most favorable venue and a 75/25 hammer clause.

Product Description Features Eligibility Sample Policy Claim Example Social Clubs

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Employment Practices Liability

Our product is specifically designed for a broad range of employers with up to 500 employees and includes coverage for defense costs outside the limit (up to 200 employees), a $100,000 sub-limit for Fair Labor Standards Act claims (including defense costs and loss; state restrictions apply), a broad definition of Wrongful Employment Act, punitive damages (state restrictions apply), and a FREE human resources hotline (no limit on number and length of calls). Third party discrimination and harassment option is available to most classes.

Product Description Eligibility

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Community Association Directors and Officers Liability/Crime (Condo or HOA)

Our product has a separate and additional limit for employment practices liability, thus protecting the directors and officers limit. Fiduciary Liability starts at $100 and our “occurrence feature” of a lifetime occurrence reporting provision for former directors and officers further differentiates our product. New coverage features include expanded defense and settlement language as well as the definition of loss, personal injury, breach of contract, final adjudication, most favorable venue and a 75/25 hammer clause.

Product Description Eligibility

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Errors & Omissions

Property Managers Errors and Omissions

Our unique form is tailored to meet the professional liability needs of both commercial and residential property managers. We offer three distinct coverages, each with a separate limit of liability: errors and omissions, tenant discrimination and employment practices liability. Our product offers coverage for up to 100% ownership interest in personally owned property. Premises Preferred Package is also available.

Product Description Features Claim Example

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MicroTek Pak Technology Errors and Omissions with Preferred Package

Our very competitively priced product, targeted at technology professionals with less than $500,000 in revenue and 3 or fewer consultants. The all-in-one policy has minimum premiums starting at $995 for BOTH Professional Liability and the Professional Office Package. MicroTek Pak is big coverage for small technology businesses.

Product Description Eligibility

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Real Estate Errors and Omissions

Designed for real estate firms which derive at least 65% of their commission from residential real estate transactions. Discrimination and lock box coverages are automatically provided in the form. This competitively priced product provides coverage which competes with association-endorsed programs. Preferred Package is also available.

Product Description Eligibility

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Specified Professions

Our product targets over 80 classes including advertising agencies, claims adjusters, collection agencies, landscape architects, employment agencies, event/meeting planners, human resource consultants, management/marketing consultants, tax preparers/ bookkeepers and tutors. Coverage includes duty to defend wording and personal injury coverage for all classes. Defense costs outside the limit, intellectual property coverage, contingent bodily injury/property damage coverage, defense-only sexual abuse/molestation coverage and the option to purchase a Preferred Package available for select classes.

Product Description Eligibility

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Excess / Umbrella

Commercial Umbrella

This product offers broad underwriting authority with available limits up to $5,000,000 on 785 classes of business. Our Umbrella requires no Self-insured Retention. We offer coverage on a supported or stand alone basis over underlying carriers rated B++ or better. We have a minimum attachment point of $1,000,000 for Commercial Umbrella and $500,000 for Excess Commercial General Liability.

Product Description Eligibility

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General Liability

This product provides coverage for Bodily injury, Property Damage, Personal Injury, Advertising Injury, Electronic data liability, Medical expenses, Worldwide insurance coverage, Defense costs, Actions of your full-time employees and temporary staff, and Supplemental Payments.

Available in all states except: AK.

Product Description Appetite Guide

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Habitational

Liability for Buildings Under Renovations

This product is specifically designed to provide liability coverage to those clients whose building is undergoing renovations. Renovations must be non-structural only and the cost of the renovations must be under $250,000. Policy terms of 3, 6, 9 or 12-months are available. Please complete the application and email it to submission@ciuins.com for a quote. Please note – property coverage is not available in Florida.

Product Description Application

Community Association Package/Crime

A Complete Package Product for Residential Condominium Associations with five units or less without swimming pools.

Product Description Eligibility

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1-4 Family Dwelling (Commercial)

We write single locations or schedules. Property limits are available up to $1,000,000 per location in protection class 1-8. Owner occupied dwellings are acceptable as long as one or more units are tenant occupied.

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Apartments

We target single or multiple location apartment buildings up to 100 total units. Our broad eligibility includes swimming pools, fitness centers, clubhouses, lakes/ponds, playgrounds and sport courts.

Product Description Eligibility

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Residential Condominium Unit Owners

This product is designed for the investor who owns units within residential condominium associations for rental purposes. These units can be rented to others on an annual or seasonal basis or occupied by the insured, as long as it is not their primary residence. Our Basic Version offers General Liability and essential Property coverages such as Loss Assessment and Improvements and Betterments. Our Deluxe Version offers a broader range of property coverages to best suit the insured’s needs.

Product Description Eligibility

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Hospitality

Restaurants

We offer monoline or package coverage including Liquor Liability for restaurants, bars, gentlemen’s clubs and night clubs. Operations with major entertainment as well as new ventures are eligible. Property limits available up to $1,500,000 for protection class 1 - 8 and $250,000 for protection class 9 - 10.

Product Description Eligibility

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Concessionaires/Vendors

This product is specifically designed to accommodate the coverage needs of a wide variety of Concessionaires and Vendors. These classes include but are not limited to Indoor Vendors, Outdoor Vendors, Seasonal Lots, Hot Dog Vendors, News Stands, Mall Kiosks and Christmas Tree Lots. Products and Completed Operations Coverage is provided on most classes. We also have the ability to package with Inland Marine Coverage and Property Coverage for office or warehouse locations. Blanket Additional Insured offered with every risk. Premium is fully earned and nonauditable.

Product Description Eligibility

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Inland Marine

Contractors' Equipment

This product provides broad All risk coverage, up to $1,000,000 total insured value, for many types of equipment on an inland marine form. Florida and Coastal $500,000 total limit per schedule. Replacement cost valuation available for all equipment up to five model years old.

Product Description Eligibility

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Inland Marine Select

A comprehensive Builder’s Risk Product available for new construction of individual dwellings and commercial projects. Limits of up to $3,000,000 available (capacity varies according to construction type and protection class). Limits of up to $500,000 per location excluding wind & hail in coastal areas.

Product Description Eligibility

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Lessor's Risk

Lessor's Risk Only

This product provides coverage for the owner of buildings that are being leased to others primarily for purposes other than residential use. Mixed occupancy buildings are acceptable. Property limits offered will be dependent upon tenant(s) occupancy. We have no eligibility restrictions on occupancy for General Liability (except for Nursing Homes, Assisted Living Facilities or other Healthcare facilities with an overnight exposure.)

Product Description Eligibility

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Liquor Liability

Beer, Wine, and Liquor Stores

This preferred product targets retail liquor store risks with up to $3,000,000 in annual sales. We can write this product on a Monoline General Liability, Monoline Property, Monoline Liquor Liability, Commercial Package or a Businessowners Package.

Product Description Eligibility

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Restaurants

We offer monoline or package coverage including Liquor Liability for restaurants, bars, gentlemen’s clubs and night clubs. Operations with major entertainment as well as new ventures are eligible. Property limits available up to $1,500,000 for protection class 1 - 8 and $250,000 for protection class 9 - 10.

Product Description Eligibility

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Convenience Stores/Delicatessens/Grocery Stores

Our Preferred Package is designed to fill the needs of the small business owner with up to $3,000,000 in sales. Property Coverage is offered with no Coinsurance Clause and with Loss of Income on an Actual Loss Sustained Basis (with maximum limit). Peak Season, Glass and Sign Coverages are just a few of the many coverages we are able to provide. Professional Coverage automatically included on selected classes. For a complete listing of eligible classes of mercantile and office businesses, please refer to our website.

Product Description Eligibility

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Miscellaneous

Land Leased to Others

This product is specifically designed for land that is not vacant, but leased to others for use. Land leased for hunting, crop farming, animal grazing, equipment storage, parking lots, athletic fields and land with buildings on the premises are several of the eligible risks. Land with up to 1,000 acres and with ponds up to 25 acres in size are also eligible. Credits are available if the tenant is required to maintain the premises and also if the tenant names the land owner as an additional insured on their general liability policy.

Product Description Eligibility

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Fitness Centers

Our product targets aerobic studios, corporate fitness centers, independently owned fitness centers, franchised fitness centers and express fitness centers. Incidental massage services and/or tanning operations are eligible. Coverage automatically includes Professional Liability and Molestation and Abuse coverage. Coverage also automatically extends to child sitting services, up to four sport courts, jacuzzis, hot tubs, as well as saunas and steam rooms. We also offer preferred pricing for 30 minute Circuit Training Facilities, Pilates and Yoga Studios.

Product Description Eligibility

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Non-Profit

Non Profit Management Liability Insurance (other than Condo or HOA)

Our All-In-One Non Profit Package product provides Non Profit Organizations the opportunity to purchase General Liability, Property, and Directors & Officers and Employment Practices including Special Events/Liquor Liability coverage all through One application, One underwriter, and One policy!

Product Description Eligibility

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Community Association Package/Crime

Our product targets small to medium sized associations with up to 1,000 units. Coverage features include automatic additional insured status for the property management company, third party harassment and discrimination coverage, as well as non-monetary coverage and defense coverage for breach of contract claims in most states.

Eligibility

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Arts and Culture

Our ALL-IN-ONE non profit product provides performing arts organizations and art/cultural organizations the opportunity to purchase General Liability, Property, Inland Marine, and Directors & Officers/Employment Practices Liability coverage all through one policy!

Eligibility

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Sports Advantage

This product has been specifically designed for youth sports organizations with athletic participants up to the age of 18 offering common sports, including but not limited to baseball, basketball, football, soccer, softball, swimming, tennis and golf. We are able to provide General Liability, Property, Abuse & Molestation, Assault & Battery, Hired & Non-Owned Auto, Crime, Inland Marine, Directors & Officers / Employment Practices Liability and Special Events coverage all on one policy!

Eligibility

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Houses of Worship

We insure houses of worship of all types. We offer an Abuse and Molestation sub-limit and Pastoral Professional within the General Liability. Coverage options include General Liability, Property, Abuse & Molestation, and Directors & Officers/Employment Practices Liability.

Eligibility

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Preferred Package

Electronic Store

Our Preferred Package is designed to fill the needs of the small business owner with up to $3,000,000 in sales. Property Coverage is offered with no Coinsurance Clause and with Loss of Income on an Actual Loss Sustained Basis (with maximum limit). Peak Season, Glass and Sign Coverages are just a few of the many coverages we are able to provide. Professional Coverage automatically included on selected classes. For a complete listing of eligible classes of mercantile and office businesses, please refer to our website.

Product Description Eligibility

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Convenience Stores/Delicatessens/Grocery Stores

Our Preferred Package is designed to fill the needs of the small business owner with up to $3,000,000 in sales. Property Coverage is offered with no Coinsurance Clause and with Loss of Income on an Actual Loss Sustained Basis (with maximum limit). Peak Season, Glass and Sign Coverages are just a few of the many coverages we are able to provide. Professional Coverage automatically included on selected classes. For a complete listing of eligible classes of mercantile and office businesses, please refer to our website.

Product Description Eligibility

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Beauty/Nail Salon/Barber Shop

We offer monoline or package coverage including Liquor Liability for restaurants, bars, gentlemen’s clubs and night clubs. Operations with major entertainment as well as new ventures are eligible. Property limits available up to $1,500,000 for protection class 1 - 8 and $250,000 for protection class 9 - 10.

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Clothing Stores

Our Preferred Package is designed to fill the needs of the small business owner with up to $3,000,000 in sales. Property Coverage is offered with no Coinsurance Clause and with Loss of Income on an Actual Loss Sustained Basis (with maximum limit). Peak Season, Glass and Sign Coverages are just a few of the many coverages we are able to provide. Professional Coverage automatically included on selected classes. For a complete listing of eligible classes of mercantile and office businesses, please refer to our website.

Product Description Eligibility

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Laundromats

Our Preferred Package is designed to fill the needs of the small business owner with up to $3,000,000 in sales. Property Coverage is offered with no Coinsurance Clause and with Loss of Income on an Actual Loss Sustained Basis (with maximum limit). Peak Season, Glass and Sign Coverages are just a few of the many coverages we are able to provide. Professional Coverage automatically included on selected classes. For a complete listing of eligible classes of mercantile and office businesses, please refer to our website.

Product Description Eligibility

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Main Street Mercantile

This product is specifically designed to accommodate the coverage and pricing needs of over 70 classes of mercantile exposures. New venture risks are eligible. For a complete listing of eligible classes of mercantile classes, please refer to our website.

Product Description Eligibility

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The Office

This product provides a comprehensive bundle of coverages (Property, General Liability, Hired/Non-owned Liability, Professional Liability, Inland Marine, Equipment Breakdown, and Crime) for over 50 specific Office classes. Office classes such as Accountants, Advertising Agencies, Answering Services, Draftsmen, Insurance Agencies, Medical Offices, Real Estate Offices, Telemarketers, Ticket Agencies and more… Any risk presenting primarily an Office exposure and with limited to no off-premises exposure will most likely fit this product!

Product Description Eligibility

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Beer, Wine, and Liquor Stores

This preferred product targets retail liquor store risks with up to $3,000,000 in annual sales. We can write this product on a Monoline General Liability, Monoline Property, Monoline Liquor Liability, Commercial Package or a Businessowners Package.

Product Description Eligibility

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Professional Lines

Professional Liability

This product provides coverage for alleged or actual negligence, defense costs, personal injuery (e.g., libel or slander), copyright infringment, worldwide professional liability insurance coverage, temporary staff and independent contractors, claims arising from services provided in the past, claims and damages.

Available in all states except: AK.

Product Description Appetite Guide Coverage Summary for Business Consultants Coverage Summary for Tech Consultants Coverage Summary for Marketing Consultants

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Medical Providers Employment Practices Protection

This product provides coverage for Employment Practices Liability including Third Party Discrimination and Third Party Harassment (available for most classes of business).

Product Description Eligibility

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Allied Health

This product provides General Liability and Professional Liability coverage for allied healthcare professionals. Up to $1,000,000 occurrence/ $3,000,000 aggregate. Option to purchase stand alone professional liability. Defense cost coverage for patient molestation claims available.

Product Description Eligibility

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Special Event Liability

Special Event Wedding

Banquet facility is requiring you to carry your own General Liability and Liquor Liability Insurance. This product provides General Liability, Liquor Liability or both. Food and beverage products liability provided.

Product Description Eligibility

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Long Shot

Our Long Shot Product is designed to offer Prize Indemnification Coverage for hole in one contests at golf tournaments. Prize value for up to $50,000 per hole and multiple holes can be covered on one policy. Coverage can be for a one day tournament or multiple days. Additional insureds can be included at no charge.

Product Description Eligibility

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Special Events

Our product is designed to provide General Liability and/or Liquor Liability coverage for special events. Events with up to 10,000 attendees per day are eligible on most risks. Automatic coverage is provided for volunteers and temporary leased workers. The property owners can be added as an additional insured at no extra cost and Host Liquor Liability is available.

Eligibility

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