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... groceries, furniture, hardware, household goods, industrial and manufacturing...orters of goods such as auto parts, furniture, groceries, medical supplies, an...

...kers place coverage for personal household goods stored in commercial mini-sto...program is designed for unscheduled household contents only. Business property...

Rental Equipment & Party Goods | Ascinsure For more than 30 years Ascinsure Specialty Risk has focused on Rental Equipment Insurance, building deep expertise in the exposures rental businesses face. As a wholesale broker with national market access, Ascinsure understands the operational and contractual risks for companies that rent construction equipment, lifts, inflatables, tents, party goods, and general tools. That industry focus lets Ascinsure deliver tailored solutions that protect your insureds and help you place complex or multi-line accounts efficiently. Target Accounts and Program Appetite The Rental Equipment and Party Goods Insurance Program is designed for a broad range of rental operations, including: Construction equipment rental companies General tool and equipment rental dealers Party and event rental providers (tents, tables, chairs, inflatables) Contractor and homeowner rental operations This program suits agents placing accounts that need both liability protection and physical asset coverage. Typical fits are small to mid-sized rental fleets and event rental businesses with routine delivery operations and standard loss-control practices. Coverage Highlights and Program Advantages Ascinsure places a full suite of coverages to address rental exposures, including: General Liability — Third-party bodily injury and property damage. Property & Equipment Coverage — Protection for owned and rental equipment, including mobile and high-value units. Auto Liability & Physical Damage — Coverage for delivery and transport vehicles. Excess/Umbrella Liability — Additional limits to meet contractual and operational needs. Optional Endorsements — Specialized enhancements available by carrier request. Working with multiple carriers, Ascinsure offers admitted-paper options in most states and can structure programs to meet lease, vendor, and venue requirements commonly encountered by rental businesses. Underwriting Notes and Submission Guidance Ascinsure works with experienced agents and brokers; submissions should include a clear description of operations, equipment schedules, fleet usage, loss history, and any safety programs in place. Minimum premiums vary by carrier and risk characteristics—underwriting will determine specific thresholds. Accounts with unusual exposures or significant prior losses may require additional underwriting information or risk mitigation evidence. Example scenarios that typically fit this program: An event rental company with tents, tables, and inflatables that requires liability and inland marine coverage for inventory and scheduled high-value items. A regional tool rental dealer with a small delivery fleet that needs combined GL, auto, and equipment physical damage protection. Territories, Admitted Status, and Carriers This program is available in most U.S. states. Ascinsure places admitted paper in most available states and works with a variety of carriers to provide flexibility. States served include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Ascinsure? Ascinsure is a specialty-focused wholesale broker with industry-specific underwriting knowledge, market access, and a responsive service model. Their experience placing hundreds of rental accounts nationwide helps you secure competitive terms and timely responses. For agents who need underwriting flexibility and carrier options for rental equipment and party goods, Ascinsure provides the specialized support to get deals placed. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include rental companies that provide construction tools, party supplies, tents, inflatables, or general equipment to contractors, homeowners, or event planners. Is the program available in all states?The program is available in most U.S. states. Contact Ascinsure to confirm availability and admitted-paper options in your specific state. Can this program cover both liability and equipment damage?Yes. The program offers General Liability, Property and Equipment coverage, Auto Liability, and Excess/Umbrella Liability, plus optional endorsements for specific needs. Who underwrites the policies offered in this program?Ascinsure partners with various carriers to provide tailored solutions, including admitted options in most states. How do I submit a risk or get a quote?Start by contacting Ascinsure with details of the operation, equipment schedule, fleet use, and loss history. Visit the company profile for contact details and submission instructions.

General Liability Insurance is a critical first step in protecting appliance installation businesses from a wide range of risks. From property damage and bodily injury to advertising injury and reputational harm, this coverage forms the foundation of a risk management strategy for your clients in the appliance installation trade. Novatae Risk Group, through Empire Underwriters, offers a specialized General Liability Insurance program tailored to the needs of appliance installation contractors. Designed for small to mid-sized operations, this program offers flexible underwriting and access to both admitted and non-admitted carriers rated as high as A-XV. Whether your client installs appliances in residential or commercial settings, this program can help address their unique exposures. Overview: This program provides targeted General Liability coverage for Appliance Installation Contractors, helping your clients manage risks associated with on-site installations, customer property damage, and third-party injuries. With a minimum premium starting at $1,500, it's an accessible solution for smaller contractors seeking comprehensive protection. Ideal Accounts and Appetite: Appliance Installation Contractors Appliance Service Contractors Residential Appliance Installers Commercial Appliance Installers This program focuses on contractors with annual payrolls under $1,000,000. It's a great fit for agents working with insureds who handle appliance installation as their primary operation, whether in new construction or retrofit settings. Coverage Highlights and Advantages: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help contractors meet contractual requirements and protect their business from claims arising during and after project completion. Underwriting Requirements: Completed ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Project-Specific Pollution Application (if applicable) Territories and Availability: This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Why Work With Novatae Risk Group: As a national wholesale broker, Novatae Risk Group brings deep expertise in placing niche contractor risks. Our team can quickly evaluate your submissions and help place tough-to-place appliance installation accounts with top-rated markets. Whether you handle residential or commercial contractors, our access to both admitted and non-admitted solutions gives you flexibility and speed in quoting. Contact us today at 800-758-8113 to speak with a broker, or email submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized appliance installation contractors with under $1,000,000 in annual payroll, including both residential and commercial installers. Are both admitted and non-admitted markets available?Yes, the program offers access to both admitted and non-admitted carriers, with ratings as high as A-XV. Which states is this program available in?This program is available in over 25 states, including CA, TX, FL, NJ, and IL. Please contact us for availability in your state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for small contractors needing essential General Liability protection. What documents are needed to submit an account?Submissions should include completed ACORD applications, 3–5 years of valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.

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