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...ogram designed specifically for laundromats and related service businesses. Wh...this program available for 24-hour laundromats?Yes, laundromats that operate 24/7, including un...

...rations, including self-service laundromats, coin-operated laundry facilities,...l for coin laundries, self-service laundromats, wash-and-fold businesses, and ...

...Gas stations and car washes Laundromats, barber shops, tanning salons, and...— grocery stores, hardware stores, laundromats, gas stations, barber shops, fl...

In the mid-1990s, Intercorp, Inc. pioneered the market for Dry Cleaners Pollution insurance to fill a long-standing coverage gap for a niche, high-risk industry. Today, Intercorp continues to give independent agents and brokers access to competitively priced, market-specific environmental liability coverage crafted for dry cleaning operations. Dry cleaners commonly use solvents that are environmental hazards. If released, these chemicals can be costly and complex to remediate and can trigger significant third-party bodily injury or property damage claims. Intercorp’s specialty program is built to help your clients — and the landlords who lease to them — manage those exposures and meet lease or lender requirements. Ideal Accounts and Appetite This program is a strong fit for: • Stand-alone dry cleaners using perchloroethylene (perc) or alternative solvents • Multi-location dry cleaning businesses, including regional chains with drop-off or satellite sites • Tenants in strip malls, shopping centers, or leased commercial space where landlords require environmental coverage • Dry cleaners seeking coverage for prior operations or known environmental conditions Typical appetites include small to mid-size single locations and multi-site accounts. We can consider accounts with historical solvent use or modest past operational concerns when properly documented; accounts with ongoing large-scale remediation or recent major releases require prior notice and may be restricted. Coverage Highlights and Advantages Intercorp’s Dry Cleaners Pollution program places site-specific environmental liability coverage through highly rated carriers. Key coverages include: • Third-party bodily injury and property damage from pollution incidents • On-site and off-site cleanup and remediation costs • Equipment lessors, property managers, and landlords can be added as additional insureds • Claims-made forms with optional extended reporting periods • Policy limits from $500,000 up to $5,000,000 Policies can be tailored to address solvent-specific exposures and typical landlord requirements, helping reduce leasing obstacles and protect tenant operations. Program Features and Flexibility • Policy terms available for one, two, or three years • Multiple locations can be covered under a single policy for streamlined administration • Optional extended reporting periods and other endorsements available • Customized placements through Intercorp’s network of top-tier carriers These features make it easier for you to place accounts where landlords or lenders require environmental protection or where consolidated billing and consistent limits are preferred across sites. Underwriting Notes and Minimum Premiums Minimum premiums vary by state, risk profile, number of sites, and selected limits. Policies are written on a claims-made basis and require timely reporting of incidents within the policy term or any applicable extended reporting period. Standard underwriting asks include current and past solvent use, any known releases, remediation history, and site operations. Territories and Availability Intercorp’s Dry Cleaners Pollution program is available nationwide — all 50 states and Washington, DC — through a variety of admitted and non-admitted markets to provide broad access and competitive options. Why Work With Intercorp, Inc.? As a wholesale broker with decades of environmental insurance experience, Intercorp understands the regulatory concerns, underwriting nuances, and claims issues specific to dry cleaners. We provide: • Direct access to multiple high-quality carriers that underwrite pollution risks for dry cleaners • Experienced underwriting guidance to help document historical solvent use and remediation history • Flexible solutions to satisfy landlord requirements and simplify placement for multi-site accounts Example scenarios you might place through this program: • A single-location dry cleaner converting from perc to a wet-cleaning solvent that needs landlord-required pollution coverage. • A regional chain with 8 drop-off locations that wants one policy to cover all sites and standardized limits for landlords. Help your clients protect their business and meet lease obligations with a targeted Dry Cleaners Pollution policy from Intercorp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for stand-alone dry cleaners, multi-location operations, and drop-off stores that handle or historically handled hazardous solvents. Can multiple locations be covered under a single policy?Yes. We can include multiple dry cleaning sites, including drop-off locations, under one policy for streamlined coverage and billing. What coverages are included in the Dry Cleaners Pollution policy?Coverage typically includes third-party bodily injury, property damage, on-site and off-site cleanup, and additional insured options for landlords and equipment lessors. What limits and terms are available?Policy limits range from $500,000 to $5,000,000 with one-, two-, and three-year terms available. Optional extended reporting periods can be added. In which states is this program available?The program is available in all 50 states and Washington, DC through our network of carriers. Need help placing an account? Connect with a market specialist.

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Convenience Store Insurance Allstar Financial Group offers a comprehensive Convenience Store Insurance program designed to meet the unique risks faced by independent convenience store owners. Through our specialized underwriting division, Allstar Underwriters, we provide access to tailored coverage options including Property, Casualty, Liquor Liability, and Umbrella insurance. This program is built for agents and brokers looking to quickly quote and bind policies for small business clients. Ideal Accounts and Appetite This program is ideal for a wide range of businesses operating in the retail and service sectors. In addition to convenience stores, we can consider risks in categories such as: Retail establishments Wholesale outlets Vacant properties (select cases) Contractors, offices, and institutional properties Whether your client is a single-location store or operates multiple sites, we can accommodate Total Insured Values (TIV) up to $5 million per location. Coverage Highlights and Advantages Property Coverage Includes: TIV up to $5 million per location Monoline or package options available No coinsurance options (varies by risk) Optional enhancements such as equipment breakdown coverage Casualty Coverage Includes: Available as monoline or package Minimum premiums starting at $500 Primary limits up to $5 million/$5 million Project-specific policies available Coverage for uninsured subcontractors Optional endorsements, including: Blanket additional insured Waiver of subrogation Primary non-contributory wording Per project/per location aggregate Hired & Non-Owned Auto (select classes) Miscellaneous professional liability (select classes) Liquor Liability Coverage: Limits ranging from $100K/$100K up to $1 million/$2 million Monoline or packaged with GL Assault & Battery coverage follows General Liability Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premium starts at $750 Available on a supported or unsupported basis Underlying requirements include: General Liability and Auto: AM Best A-VI or better Employers Liability: AM Best B++ or better GL limits of $1 million/$2 million/$2 million Underwriting Notes and Minimum Premiums We offer flexible underwriting with the ability to quote both monoline and package policies. Minimum premiums vary by coverage type, with General Liability starting at $500 and Umbrella at $750. Optional coverages and enhancements allow you to tailor each policy to your client’s specific exposures. Territories and Availability The Convenience Store Insurance program is available in most states, with a strong focus on the Southeast. Currently, Allstar is actively writing this program in: Alabama Georgia Louisiana North Carolina South Carolina Tennessee Virginia Why Work With Allstar Financial Group As a trusted Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group brings deep underwriting expertise and access to multiple carriers. Our small business solutions division is designed to make quoting and binding simple and efficient for busy agents. Whether you're placing a single-location account or managing a portfolio of retail risks, our program is built to support your success. You might have a client operating a convenience store with fuel sales and limited liquor exposure—we can help you build a customized package that meets their needs. Or perhaps your client owns a vacant retail property awaiting a new tenant—we have solutions for that as well. Let our experienced underwriters help you find the right coverage quickly while navigating the complex needs of small retail risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for convenience stores, retail shops, wholesale outlets, vacant commercial properties, and certain institutional or office risks. Is liquor liability coverage available in all states?No, liquor liability is currently available in North Carolina, South Carolina, Georgia, Tennessee, and Virginia. Can I write monoline General Liability or Property policies?Yes, both monoline and package policies are available depending on the account type and coverage needs. What are the minimum premiums for this program?Minimum premiums vary by coverage, starting at $500 for General Liability and $750 for Umbrella policies. Do you offer coverage for vacant retail properties?Yes, vacant properties may be eligible depending on underwriting criteria. Contact an underwriter to review specific risks. Need help placing an account? Connect with a market specialist.

At Bailey Special Risks, Inc., our Commercial Package program helps agents and place and bind coverage for niche and hard-to-place commercial risks. As a wholesale broker with deep market access and underwriting expertise, we provide tailored package policies that combine property and general liability coverages into a single product. With binding capacity through United States Liability Insurance Group and other top-tier markets, we deliver responsive underwriting when you submit a complete application package. Ideal Accounts and Appetite This Commercial Package is designed for small-to-medium-sized businesses that need flexible underwriting or non-admitted solutions. We focus on classes that often fall outside standard admitted markets, including: Apartments Bars & Taverns Dance, Language, & Music Schools Day Care Centers Exercise & Fitness Centers Vacant Buildings Premises Preferred * *For Premises Preferred submissions, include a fully completed ACORD application plus any site photos, inspection reports or supporting documents to ensure timely review. Coverage Highlights and Advantages Our Commercial Package combines property and general liability into a streamlined policy tailored to the operational exposures of each account. We underwrite with flexibility to add optional coverages appropriate to the class of business—such as liquor liability for bars, abuse/molestation options for schools and daycares where available, or specific coverage for vacant or tenant-occupied buildings. Key advantages: Combined property and general liability in one packaged policy Optional endorsements and limits selected to fit the operation Competitive terms for well-documented, well-underwritten risks Fast response when you provide a complete submission Underwriting Notes and Submission Requirements To speed placement, submit a fully completed ACORD application and any class-specific supplements. High-hazard operations (e.g., bars, vacant buildings, or facilities with youth programs) usually require additional details such as loss runs, security and supervision protocols, inspection reports, and, when applicable, proof of alcohol service training or background checks. Underwriters evaluate each risk on its merits, emphasizing operations, building condition, prior loss history, and mitigation efforts. Clear, complete submissions improve turnaround and quoting accuracy. Territories and Availability This program is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY. Contact us about state-specific eligibility or restrictions. Why Work With Bailey Special Risks Bailey Special Risks is a wholesale broker with a reputation for responsiveness and niche underwriting expertise. We leverage long-standing relationships with carriers such as United States Liability Insurance Group to place accounts that need flexible, non-admitted solutions. Our team provides practical underwriting guidance, clear submission checklists, and efficient placement to help you keep business moving. Example scenarios that fit this program: You have a multi-unit apartment owner with recent cosmetic property damage and moderate loss history who needs combined property and GL limits with flexible terms. A client operates a neighborhood fitness studio that serves youth classes and requires tailored liability limits and participant-waiver endorsements. Frequently Asked Questions What types of accounts are a good fit for this Commercial Package program?We target small-to-medium-sized businesses in classes such as apartments, bars and taverns, daycare centers, fitness facilities, and vacant buildings—accounts that often require flexible underwriting and non-admitted solutions. What documents are needed to submit a risk?Provide a completed ACORD application and any supplemental forms for the class (e.g., liquor schedules, daycare supplements, vacant property inspections). Include loss runs and any supporting documents that show mitigation or controls for higher-hazard exposures. Is this program available in all states?No. The program is available on a non-admitted basis in the states listed above. Contact us for clarification on state-specific eligibility. Is this an admitted program?No. This Commercial Package is offered on a non-admitted basis through United States Liability Insurance Group and other carriers. How quickly can I expect a quote?When you submit a complete application with required supplements and loss runs, our team typically responds within a few business days. Complex or high-hazard accounts may require additional review time. Need help placing an account? Connect with a market specialist.

Bailey Special Risks, Inc. offers a robust Commercial Umbrella insurance program designed to provide agents and brokers with excess liability solutions for over 200 classes of business. Backed by an A++ A.M. Best rated carrier—United States Liability Insurance Group—this non-admitted program delivers broad protection and fast turnaround for qualified risks. Overview of the Program From Bailey Special Risks This Commercial Umbrella product offers excess liability coverage over General Liability, Auto Liability, Liquor Liability, Professional Liability, and Employers Liability. It’s structured to help your clients safeguard their businesses against catastrophic losses that exceed the limits of their primary policies. Quotes are typically turned around within one business day for most acceptable risks, allowing you to respond quickly to client needs. The program is available in most states and is supported by expert underwriting from Bailey Special Risks, a trusted wholesale broker with decades of experience in placing specialty liability coverage. Ideal Accounts and Appetite This program is a strong fit for a wide range of commercial operations. Ideal accounts include but are not limited to: Contractors and construction-related businesses Retail stores and shopping centers Hospitality businesses such as restaurants and hotels Light manufacturing and wholesale distributors Professional offices and healthcare providers As an example, you might have a client who owns a regional restaurant chain with an existing Liquor Liability policy. This umbrella program can help extend their protection in the event of a major claim. Coverage Highlights and Advantages Key minimum underlying limits required for this umbrella program include: General Liability (CGL): $500,000 Combined Single Limit Auto Liability (AL): $500,000 per accident or occurrence Liquor Liability: $500,000 per common cause Professional Liability: $500,000 per claim or medical incident Employers Liability (EL): $500,000 per accident / $500,000 per employee for disease This umbrella coverage is designed to provide seamless excess protection over these underlying policies, reducing exposure gaps and enhancing peace of mind for your insureds. Underwriting Notes Bailey Special Risks works closely with agents to ensure a smooth underwriting process. While most acceptable risks receive quotes within one business day, submissions with complete applications and underlying policy details will experience faster turnaround times. Accounts must meet the minimum underlying coverage limits, and certain high-hazard industries may fall outside the program’s appetite. Territories and Availability This Commercial Umbrella program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. As a non-admitted product, this program offers more flexibility in underwriting and coverage structure, making it an excellent solution for harder-to-place risks. Why Work With Bailey Special Risks Bailey Special Risks brings deep expertise in specialty liability placement and offers responsive service to help you secure the right umbrella coverage for your clients. With access to top-rated carriers and a streamlined quote process, Bailey makes it easy for agents and brokers to expand their offerings and meet insureds' evolving needs. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for retail, hospitality, contractors, manufacturers, and professional service businesses with solid underlying liability policies. How quickly can I expect a quote?Most acceptable risks receive quotes within one business day, provided the submission includes all necessary information. Is the program admitted or non-admitted?This is a non-admitted program, offering more flexible underwriting for a wide range of business classes. What are the required underlying coverage limits?Minimum limits include $500,000 for General Liability, Auto Liability, Liquor Liability, Professional Liability, and Employers Liability. In which states is this program available?The program is available in over 35 states, including CA, TX, FL, NY, IL, and many others across the U.S. Need help placing an account? Connect with a market specialist.

Community Association Package Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a targeted Community Association Package that addresses the insurance needs of homeowners associations (HOAs), condominium associations, planned unit developments (PUDs), townhome communities and similar common-interest developments. The program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier, giving agents access to a financially strong market and flexible coverage options. Ideal Accounts and Appetite This program matches a broad range of community association risks, including: Residential condominium associations Homeowners associations (HOAs) Planned unit developments (PUDs) Townhome and villa communities BSR is comfortable with associations that maintain common areas and have active management. Properties with amenities such as pools, clubhouses, tennis courts, and limited recreational programming are acceptable when they meet underwriting guidelines. Risks with chronic deferred maintenance, high frequency claims, or significant habitational conversion exposures typically fall outside the appetite. Coverage Highlights and Advantages The Community Association Package combines core protections most associations need, offered in flexible ways to align with each client’s exposure profile: General Liability for common-area exposures Property coverage for association-owned buildings and common structures Directors & Officers (D&O) Liability to protect board members Crime and Fidelity bonding to cover employee or volunteer dishonesty Umbrella/Excess Liability for higher limits Professional Liability (where applicable) for management errors and omissions Applications are streamlined for speed and accuracy. Available application forms include: Community Association Package Application Community Association Umbrella Application Community Association Professional Liability Application Agents can rate and quote eligible accounts online. Submissions that fall within the program’s HIT ZONE receive a guaranteed quote, shortening turnaround and improving placement certainty. Underwriting Notes and Minimum Premiums This is a non-admitted program, which provides underwriting flexibility and competitive terms for qualified associations. Minimum premiums vary by state, exposure, and scope of coverage; BSR’s quoting tools help determine eligibility and pricing quickly. Typical declinations include associations with extensive habitational risks, unresolved loss history, or exposures outside published eligibility guidelines. Territories and Availability The Community Association Package is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY Why Work With Bailey Special Risks, Inc.? As a wholesale broker focused on specialty and hard-to-place risks, BSR combines experienced underwriting with fast, user-friendly quoting tools. Agents benefit from: Access to a top-rated carrier (United States Liability Insurance Group) Underwriters experienced with community associations and common exposures Streamlined online rating and guaranteed quotes for HIT ZONE submissions Support placing programs that require non-admitted flexibility Example fits: You might have a midsize condominium association seeking combined property, general liability and D&O limits after a recent board turnover; or an HOA with a pool and clubhouse that needs primary liability, crime coverage and excess limits. Both scenarios align with this program’s strengths when the association demonstrates active management and maintained common areas. Whether the account is a small suburban HOA or a larger urban condo association, BSR provides underwriting expertise and market access to help you place community association business confidently. Frequently Asked Questions What types of accounts are a good fit for this Community Association Package?This program is ideal for homeowners associations, condo associations, and planned unit developments with well-maintained common areas and standard amenities like pools or clubhouses. Can I get a quote online?Yes. Agents can rate and quote eligible community association risks online. If your submission falls within the program’s HIT ZONE, you will receive a guaranteed quote. What coverages are included in the package?Depending on eligibility, the package can include General Liability, Property for common areas, D&O Liability, Crime/Fidelity, Umbrella/Excess, and Professional Liability. Is this program available in my state?The program is available in the states listed above (including CA, FL, TX, NY). Check the territories list to confirm availability for your submission. Who is the carrier for this program?This program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier. Need help placing an account? Connect with a market specialist.