Programs
Healthcare
Target Risks
- Home Healthcare (including 24-hour exposure)
- Nursing Homes / Assisted Living Facilities
- Group Homes
- Hospitals
- Non-Emergency Medical Transportation
- Substance Abuse Centers
- Healthcare Staffing
Program Highlights
- “A” Rated Paper
- Available Nationwide
- Multi-state Options
- New Ventures Accepted
- No Experience Mod Restrictions
- Low Minimum Premiums
- Monthly Self Reporting / PayGo Options
- Dividends Available (state depending)
- Excess Workers’ Compensation Available
Supplemental Application
Contracting
Target Risks
- Artisan Contractors
- Street and Road Contractors
- Sign Installation
- Railroad Construction
- Roofing
- Framing
- Drywall
- Masonry
- Painting
- Steel Erectors
- Excavation
Program Highlights
- New Ventures Accepted
- 1099 Exposures Accepted
- “A” Rated Paper
- Available Nationwide
- Multi-state Options
- No Experience Mod Restrictions
- Low Minimum Premiums
- Monthly Self Reporting / PayGo Options
- Dividends Available (state depending)
Transportation
Target Risks
- Trucking – Short / Long Haul
- Parcel and Package Delivery
- Non-Emergency Medical Transportation
- Oil / Gas Dealers and Drivers
- Mechanics and Garage Employees
- Buses / Limos
- Garbage Haulers
- Fuel haulers
- Tow trucks
- Moving and Storage
- Logging Contractors
- Sand and Gravel Haulers
Program Highlights
- “A” Rated Paper
- Available Nationwide
- New Ventures Accepted
- Occupational Accident / Contingent Liability Available
- Multi-state Options
- No Experience Mod Restrictions
- Low Minimum Premiums
- Monthly Self Reporting / PayGo Options
- Dividends Available (state depending)
Supplemental Application
Staffing
Target Risks
- Temporary staffing firms
- Skilled trades
- Hospitality
- Medical staffing
- Manufacturing
- Industrial
- Transportation
- Professional / technical
- Logistics & warehousing
Program Highlights
- Available Nationwide
- Multi-state Options
- No Experience Mod Restrictions
- Monthly Self Reporting / PayGo Options
Supplemental Applications
Landscaping
Target Risks
- Landscape Gardening
- Lawn Maintenance
- Sod Installation
- Tree Trimming and Removal
- Lawn Irrigation
- Snow Removal
- Hardscape Installation
Program Highlights
- “A” Rated Paper
- New Ventures Accepted
- Available Nationwide
- Multi-state Options
- No Experience Mod Restrictions
- Low Minimum Premiums
- Monthly Self Reporting / PayGo Options
- Dividends Available (state depending)
- Exclusive, All Commercial Lines Program Offered With Sister Company, NIF Group: landscaping.insure
ENVIRONMENTAL & POLLUTION
Target Risks
- Trash Haulers
- USL&H
- Engineering
- Solar Contractors
- Recyclers
- Medical Waste
- Nitrogen Delivery
- Asphalt Haulers
Program Highlights
- High Hazard Operations
- New Ventures and No Priors
- Unlimited Experience Mods
- All Premium Sizes
- Multi-State Accounts
- Flexible Payment Options
- USL&H and Foreign Coverage
- Risk Innovations partners with our sister company, Landmark Underwriters, to offer their exclusive E-PAC program. For more information, click here.
Surplus Lines Homeowners
Target Risks
- Large claims or frequency of claims
- Secondary or seasonal homes
- Vacant homes
- Short Term and Long Term Rentals (including AirBnb, etc.)
- Coastal homes with wind coverage
- PC9’s
- Renovations
Program Highlights
- $100,000+ Homes
- Online Rating Available
- In-House Binding Authority
- Flexible Underwriting
- Basic and Fully Comprehensive Coverage Options Available
- National High Net Worth Program
