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... retail spaces. Weather-Related Disasters at a Glance: 341: Number of billion-dollar disasters in the U.S. since 1980, with a tota...llion: Average annual cost of these disasters since 1980. Benefits of Using ...

Recreational Marine Insurance Whether your client’s business is a marina, boat dealer, yacht club, boat repair yard or marine artisan, navigating the waters of marine insurance can be challenging. Securing the right coverage to protect against the unique risks your client’s marine business faces is critical. Harbor Risk, a division of IGP Specialty, provides insurance solutions for all types of recreational marine businesses. By choosing to work with Harbor Risk, you’ll receive expert guidance from a knowledgeable team who specializes in marine-related insurance. Our extensive understanding of the marine industry allows us to determine the appropriate coverage for your client’s business, and we provide access to those specialized marine products and solutions.

A Custom Approach to Community Association Coverage Our Tailored Community Association Plan (TCAP) offers agents a comprehensive portfolio of insurance products specifically designed to address the unique exposures faced by condominium, townhome and single-family community associations, among others. We provide coverage for enhanced liability and property, full replacement cost, broad crime, equipment breakdown, directors and officers (D&O) liability and more. Using Marshall & Swift — the gold standard for building cost data — we help determine accurate replacement property values to ensure proper coverage amounts in the event of a loss. In addition to brokering to our contract markets for multifamily HOA coverages, we also underwrite two exclusive in-house programs: Wind/Hail Deductible Buyback Program through Lloyd’s of London, typically for properties with TIVs under $100 million (larger risks can be referred as needed) Single-Family HOA Program with Nationwide E&S, providing property, general liability, hired and non-owned auto, crime and D&O coverage in a single package policy Available across the continental U.S., TCAP programs help protect community associations’ property and assets against casualty losses, personal injury claims, property damage and catastrophic events. Coverage extends to directors, officers, trustees, employees, volunteers, committee members and the associations themselves for management liability exposures. Program Highlights Community Associations Institute (CAI) National Members Each community inspected every three years Credits available for property manager and companies with CAI-recognized professional designations Underwritten with an AM Best “A+” (Excellent) rated carrier with a Financial Size Category rating of XV Deductible options from $1,000 and greater A Lloyd’s of London Coverholder

Protection to Meet Your Needs In recent years, the effects of storm-related flooding on homes and businesses have been catastrophic — even in regions where floods were previously rare. Flooding is a potential threat to many properties, yet standard property insurance policies typically don’t cover it. The IGP Specialty Excess Flood Program can help when the National Flood Insurance Program (NFIP) limits don’t offer sufficient protection to meet your needs. Our program provides clients access to excess flood insurance at stable, competitive rates — even in some high-risk areas that many insurers won’t cover. We work on behalf of the insurance carriers to evaluate your flood exposure, underwrite your risk, and efficiently issue policies based on your unique needs. Our ability to accurately match coverage to clients’ risks helps us keep their premiums reasonable. Using a consultative approach and sophisticated research tools, our flood analysis and placement team can accurately assess your flood-related risk and help you manage exposure. We evaluate your property using Federal Emergency Management Agency (FEMA) maps, aerial photography, wind and water projections, elevation information, and water source and flood zone data. Our program covers building, contents, and associated loss of income coverage, with limits up to $25 million per policy.

... and Cyber Liability Natural Disaster Protection: Flood, earthquake, lands...cles modified for mobile veterinary services. Can this program provide coverag...

...ram include coverage for natural disasters?Yes. The program includes protectio...

... Custom Brokers Disaster Recovery Services Document Destruction Services Escrow Agents ...omissions in providing professional services to others for a fee. There are sp...