When your clients are transporting goods from manufacturer to market, cargo insurance is essential to protect their financial interests. Burns & Wilcox Ltd. offers a flexible Cargo Insurance program that helps cover loss or damage to freight in transit—whether by land, sea, or air. This program also helps limit your commercial clients’ exposure to liability from the shipment of goods, offering protection from loading to unloading.
- Flexible limits available to accommodate a wide range of operations
- Both package and monoline policies available
- Coverage extensions for refrigeration and mechanical breakdown
- Protection during loading and unloading operations
- Coverage for rigging exposures
- Interstate and intrastate filings available for motor carriers
- Nationwide availability across all 50 states and Washington, D.C.
- Specialized coverage for household goods movers
Which type of clients should have an inland marine/cargo insurance policy? And, what does it cover?
Any motor carrier that transports freight from point A to point B should purchase an inland marine/cargo policy. It covers losses to cargo while in the care, custody and control of a carrier, subject to the limitations of the specific policy.
What are common challenges associated with inland marine/cargo insurance policies?
Transporting or shipping cargo can be a particularly daunting task. Many unforeseen perils place the goods being transported at high risk for loss. Recently, claims related to theft of target commodities and other fraud-related losses have been on the rise, which has generated significant loss ratio problems in the inland marine/cargo marketplace.
What information is most important for agents to gather when helping a client select an inland marine/cargo policy?
https://completemarkets.com/company/kaigler/Trucking-Physical-Damage/
...t-to-place operations such as auto haulers, mobile home haulers, sand/gravel/coal haulers, tankers, and refrigerated-commodities haulers. The program is built to accommodate local and long-haul exposures and can handle specialized e...t or commodities—auto and mobile-home haulers, sand/gravel/coal haulers, tankers, and reefers—are a stro...
https://completemarkets.com/company/keating/roofing-workers-compensation-insurance/
Roofing Workers' Compensation Insurance Program from Keating
Keating offers a specialized Workers' Compensation insurance program tailored to commercial and residential roofing contractors. With access to several carriers and a deep understanding of high-risk construction classes, Keating helps insurance agents and brokers place challenging roofing accounts that may not fit standard markets.
Ideal Accounts and Appetite
This program is designed for roofing contractors involved in both residential and commercial projects. Keating can accommodate accounts with elevated risk due to the nature of roofing work, such as steep pitch roofs, multi-story buildings, or projects that require significant height exposure.
Examples of ideal accounts include:
A residential roofing contractor with crews working on single-family homes throughout the Southeast.
A commercial roofer specializing in flat membrane installations on warehouses and shopping centers.
Accounts should demonstrate strong safety practices, a verifiable loss history, and active risk management procedures. New ventures may be considered depending on other underwriting factors.
Coverage Highlights and Advantages
Keating’s roofing Workers' Compensation program provides robust coverage for workplace injuries and employer liability, helping your clients meet state-mandated requirements and protect their workforce. The program is underwritten by several experienced carriers and offers flexibility across a wide range of roofing exposures.
Program features include:
Coverage for both residential and commercial roofing operations
Support for accounts with height exposure and higher-than-average risk
Access to multiple markets to find the best fit for challenging classes
Underwriting Notes and Minimum Premiums
Minimum premium starts at $50,000, though actual requirements vary depending on the state, size of the account, and specific exposures. Keating’s underwriting team evaluates each submission on a case-by-case basis, with attention to safety protocols, claims history, and operational scope. Agents should be prepared to submit detailed class codes, job descriptions, and payroll information.
Territories and Availability
This program is available in the following states: AL, AR, AZ, CO, CT, GA, HI, ID, IL, IN, KS, KY, LA, ME, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, and WI. All available markets are admitted in their respective states.
Why Work With Keating?
Keating brings years of expertise in placing high-risk Workers' Compensation accounts that many standard carriers decline. Their deep market access and understanding of the roofing industry enable them to provide viable solutions for complex exposures. Agents benefit from responsive service, competitive options, and the ability to place difficult roofing risks with confidence.
If you're looking for a reliable market to help place your roofing contractor clients, Keating has the tools and experience to help you succeed.
Frequently Asked Questions
What types of roofing contractors are eligible for this program?This program accepts both residential and commercial roofing contractors, including those working on steep or elevated surfaces.
What is the minimum premium requirement?The minimum premium generally starts at $50,000, though this can vary based on state and risk profile.
Are new ventures eligible for coverage?New ventures may be eligible depending on underwriting factors such as safety protocols and ownership experience.
Is the program available in all states?No, the program is currently available in select states. Please refer to the list above for available territories.
What information is needed to submit an account?Agents should provide class codes, detailed job descriptions, payroll estimates, and loss history to ensure a smooth underwriting process.
Need help placing an account? Connect with a market specialist.