Founded in 1964, Arlington/Roe is a family-owned wholesale insurance broker and managing general agency headquartered in Indianapolis, Indiana, operating primarily in the Midwest.
James A. Roe, CPCU, chairman and owner, along with his sons, Andy and Patrick, lead the firm founded by Jim’s father, Francis Roe. Our underwriters and brokers coordinate among specialty teams to meet the needs of
multi-faceted risk opportunities, piecing each risk puzzle together for our producers.
When producers consistently trust in our underwriting and brokerage teams, our advantage becomes their success. Our goal is to provide one-stop solutions for our independent producers' local and nationwide insurance coverage needs. Note our aviation specialty is available to producers nationwide.
Honesty, Integrity, Respect & Trust
With a family history of valuing and trusting business relationships, Arlington/Roe continues to uphold the Golden Rule as our guiding principle. Our success is measured by the success of our employees, our agencies and our company partners. It is with honesty, integrity, respect and trust that we strive to be the premier wholesale insurance brokerage firm and managing general agency for those we serve.
From left to right: Patrick Roe (Executive Vice President & Chief Sales & Marketing Officer), Jim Roe (Chairman & Chief Executive Officer) & Andy Roe (President, Chief Operating Officer),
What Makes Arlington/Roe Different?
MIDWEST ROOTS
We are licensed to write business in all 50 states, and we focus on building partnerships with agencies in our 11 core states of IA, IL, IN, KY, MI, MN, MO, NE, OH, TN and WI.
As a proud, independent business organization, we are here for you and understand the marketplace in our footprint and the entire United States.
FAMILY-OWNED & WE ‘DO THE RIGHT THING’
We are not a large national chain or bank-owned. Arlington/Roe is a third-generation business with Andy and Patrick Roe under the continued leadership of the second generation, Jim Roe.
With a family history of valuing and trusting business relationships, we continue to uphold the Golden Rule as our guiding principle and focus on honesty, integrity, respect and trust.
EXPERIENCE & KNOWLEDGE
Our underwriters/brokers have years of experience and knowledge in many areas. Our practice areas go beyond commercial lines, personal lines, workers comp, professional liability, etc.
We are a unique wholesaler having an aviation department that can write exposures both locally and nationwide. Additionally, our healthcare and human services department is able to write a variety of new and emerging exposures.
FOCUS ON RELATIONSHIPS
With a sales & marketing team working alongside our production areas, we focus on relationships and true partnerships. We get to know agencies, how they work and offer what we can to help them close the sale/write more business.
Our departments are collaborative teams that work together to get business efficiently placed with markets that are offering the best coverages to suit the needs of insureds.
MORE THAN A WHOLESALER
We are both a wholesale insurance broker and a managing general agency.
• Binding authority for multiple carriers
• Access to over 200 carriers
• Standard and non-standard, surplus lines and admitted markets
Online Rating Capabilities
COMMERCIAL LINES
PERSONAL LINES
Same-day coverage for 100+ professions. Professional Liability, General Liability and Business Owners’ Insurance.
TO SIGN UP: Visit hiscox.com/partner-agent/arlingtonroe and create an account using your email address and create a password.
Property, Casualty, Hospitality & Liquor, Nonprofit and Professional Liability coverages.
TO SIGN UP: Visit arlingtonroe.com/online-rating and click the USLI logo. Select your class of business and “create new account” using your email address and create a password.
Receive up to seven cyber quotes with six pieces of information from your desk.
TO SIGN UP: Contact your state marketing manager to get your agency set up with a link to access the portal (no log in required).
To register to quote and submit, contact your state marketing manager.
TO SIGN UP WITH USLI: Visit arlingtonroe.com/ online-rating and click the USLI logo. Select your class of business and “create new account” using your email address and create a password.
COMMERCIAL LINES
Products & Solutions
AVIATION
Since 1991, we have been a leader in aviation insurance. Our brokers are poised and ready to provide exceptional service and help you place coverage in a hardening market. We have the knowledge and experience in this specialized field to write a wide variety of aviation risks.
Classes
• Aerial Photography/Mapping
• Air Ambulance Operations
• Aircraft Crop Spraying
• Aircraft News Reporting
• Aircraft Traffic Survey
• Aviation Fueling Operations
• Charter/Cargo Operations
• Commercial Airports
• Contractors at Airports
• Control Tower Liability
• Corporate Aircraft & Fleets
• Fixed Base Operators
Coverages
• Aircraft Hull & Liability
• Flight Schools
• Flying Clubs
• Helicopters
• Municipal Airports
• Pleasure & Business Aircraft
• Private Airstrips
• Repair & Service Operations
• Sales Demonstration Aircraft
• Seaplanes
• Transition Pilots
• UAVs/Drones
• Vintage Military Aircraft
• Aviation General Liability (including products, completed operations and hangarkeepers legal liability)
• Aviation Manufacturers Products Liability
• Aviation Property & Auto
• Aviation Workers’ Compensation
• Excess Aircraft Liability
• Non-Ownership Liability (Personal & Corporate)
Companies
• Acceleration Aviation
• AIG Aviation
• Allianz Aviation Managers
• Applied Underwriters Aviation
• AXA-XL Insurance Group
• Beacon Aviation
• Chubb Aerospace
• Eiger Insurance Services
• Global Aerospace
• Great American Insurance Company
• Hallmark Aerospace
• Halton Hall
• IAT Aviation
• Kinsale Aviation
• Lloyd’s of London
• London Aviation Underwriters
• Mach2 Underwriters
• National Hangar Insurance Program
• Old Republic Aerospace
• Preferred Aviation Underwriters
• QBE Aviation
• Rokstone Aviation
• STARR Aviation
• USAIG
• U.S. Specialty Insurance Co.
• W. Brown & Associates
• Worldlink Specialty
COMMERCIAL LINES
Products & Solutions
SURETY BONDS
Our Bonds team specializes in the immediate needs of contract, miscellaneous surety and fidelity bond clients.
Classes
• Agriculture
• Alcohol/Tobacco
• Auto Dealers
• Construction
• Healthcare
• Law Firms/Legal
Coverages
• Construction Surety Bonds (Bid, Performance, Payment)
• Court Bonds
Companies
Include, not limited to
• Capitol Indemnity
• Fidelity & Deposit/Zurich
• Liberty
• Merchants Bonding
• Nonprofits/Social Services
• Public Official/Municipal Organizations
• Real Estate/Financial Services
• Retail/Hospitality/Restaurants
• Service Companies
• Transportation
• License, Permit & Miscellaneous Bonds
• Public Official Bonds
• Subdivison Bonds
• Old Republic
• RLI
• Tokio Marine
Products & Solutions
COMMERCIAL AGRIBUSINESS
We have admitted package markets available which may include agronomy E&O, chemical blending E&O, feed mixing E&O, mis-application, mis-delivery, and seed merchants E&O.
• FARM SUPPLY
• Grain elevators
• Feed mills and feed dealers
• Fertilizer and chemical dealers
• Seed dealers
• Agricultural cooperatives
• Bulk retail petroleum distributors
• Rail exposure
• Umbrella
• Package
• Excess Liability Classes Coverages
• Fertilizer application
• Commercial Auto
• Farm retail stores
• AG TRUCKING
• Grain hauling
• Milk hauling
• Manure hauling
• Livestock hauling
• AG CONTRACTORS
• Manure pumping
• Custom harvesting
• Irrigation equipment service & repair
• Inland Marine
• Pollution
• Property & Casualty
• Precision planting equipment
• Agricultural equipment installation
• Barn construction
• FOOD PRODUCTS
• Ice cream manufacturing
• Pickled product manufacturing
• Fresh fruit processing
• Spice and extract manufacturing
• Flour milling
• Dehydrated food
• Workers’ Compensation
• Pivot Irrigation
Include, not limited to
• Chubb Ag
• Chubb Insurance Solutions Companies
• Continential Western Group Ag
• Secura Ag
COMMERCIAL LINES
Products & Solutions
PROPERTY & CASUALTY
Our commercial lines binding department offers a broad base of products with full binding authority, allowing us to be competitive in meeting the needs of your clients quickly. For your larger, more complex clients, our commercial brokerage department can provide solutions. Working with admitted and non-admitted carriers allows us the flexibility to structure unique insurance programs that offer your clients the coverages and risk management services they need to protect their assets.
• Amusement & Entertainment
• Cannabis
• Construction & Contractors
• Environmental
• Hospitality Industries
• Manufacturing & Distribution
• Real Estate & Habitational
• Retail & Services
• Standard Small Business
PROPERTY Classes & Coverages
• Builder’s Risk
• Commercial Flood
• Earthquake
• Excess Property
• Inland Marine
• Jewelers’/Furriers’ Block
• Monoline Equipment Breakdown
• Ocean Marine
• Scrap Yards/Auto Recyclers
CASUALTY Classes & Coverages
• Auto Recyclers
• General Liability
• International
• Liquor Liability
• Product Liability
• Product Recall
• Railroad Liability
• Standard Small Business
COMMERCIAL LINES
Products
& Solutions
CYBER/DATA BREACH
From MFA, air-gapped backups, and email filtering, our professional liability team understands cyber liability and we are happy to be your resource for cyber risks. Excess cyber, excess social engineering and a comparative rater are also available!
Classes
• Accounting
• Auto Dealers
• B2B/Wholesale Trade/ Distributors
• Banking/Finance
• Biotech
• Bookkeeping
• Broadcasting/Production
• Businesses
• Colleges
• Construction
• Consultants
• Credit Union
• Digital Marketing Firms
• Distributors
• Education
• Employment Agencies
• Energy Companies
• Engineering Firms
• Financial Advisor
• Financial Service Providers
• Podcast
• Printers/Publishers
• Professional Service Firms
• Public Entities
• Hardware
• Healthcare
• Individuals
• Insurance Agents/Brokers
• Internet Service Providers
• Investment Advisor
• Law Firms
• Life Sciences
• Long-Term Care/Skilled Nursing
• Managed Service Providers/MSP/MSSP
• Manufacturing
• Real Estate Investment/PE Firms
• Retail
• Service Providers
• Software
• Software Developers/ Publishers
• Sports Clubs/Gyms/Country Clubs
• Tax Advisor
• Technology Consultants
• Technology/Media/Business Service Companies
• Telecommunications Companies
• Transportation & Logistics Companies
• And many more
Coverages
• Breach Response
• Bricking
• Business Interruption
• Cryptojacking
• Dependent Business Interruption
• Data Recovery
Companies
Include, not limited to
• AIG
• At Bay
• Axis
• Beazley
• Berkley
• CFC
• CNA
• Coalition
• Corvus
• Cowbell
• E-Crime
• Computer Fraud
• Funds Transfer Fraud
• Invoice Manipulation
• Social Engineering Fraud
• Extortion/Ransomware
• Crum & Forster
• ERisk
• Euclid
• Great American
• Hartford
• Hiscox
• Ironshore
• Lloyd’s of London
• Media Liability
• Notification Costs
• PCI
• Regulatory
• Security/Privacy Liab
• Markel
• Sayata
• TMHCC
• Travelers
• Westchester
• And many more
COMMERCIAL LINES
Products & Solutions
ENVIRONMENTAL
Nearly every business has an environmental exposure. Our experienced environmental brokers and carriers can help you meet the complex needs of your clients.
• Contractor’s Pollution Liability (CPL)
• First & Third-Party Premises Pollution (Site Pollution/EIL)
• Transportation Pollution (TPL) - monoline or package
• Experienced environmental claims experts to handle claims involving multiple lines of coverage.
• Broad definitions of pollutants
• Practice and project policies available
• Extended reporting periods
• Blanket AI and WOS included on most quotes
• Non-Owned Disposal Sites (NODS)
• Products Pollution
• Professional Liability
• Workers’ Compensation (in some cases)
COMMERCIAL LINES
Products & Solutions
MANAGEMENT LIABILITY
Whether your insured is a private company, nonprofit, or public entity they have many management liability exposures. Our professional liability team understands those exposures and we are happy to be your resource for management liability risks!
Crime
Third-Party Crime
ERISA
Directors & Officers Liability
Employment Practices Liability
Fiduciary Liability
Classes
• Accountant
• Agriculture
• Amusement Parks
• Assisted Living
• Associations
• Bars
• Auto/Car Dealers
• Casinos
• Cemetery/Funeral Home
• Chambers of Commerce
• Charitable Organizations
• Check Cashing
Companies
Include, not limited to
• AIG
• Allied World
• Argo
• Axis
• Beazley
• Berkley Select
• Churches
• Clubs
• Contractors
• Daycares
• ESOP
• Family Offices
• Foundations
• Governmental Entities
• Home Healthcare
• Hospitality
• Insurance Agents
• Janitorial
• Cap Specialty
• CFC
• Chubb
• CNA
• Crum & Forster
• Erisk
• Euclid
• Law Firms
• Libraries
• Local Unions
• Nonprofit Organizations
• Manufacturers
• Nursing Homes
• Professional Services
• Property Managers
• Real Estate
• Religious Organizations
• Restaurants
• Retail
• Fidelity & Deposit
• Great American
• Hartford
• Hanover
• Hiscox
• Intact
• Ironshore
• RLI
• Skyward
• Starr
• TMHCC
• Service Industry
• Social Services
• Technology
• Temporary Staffing
• Title Agents
• Transportation
• Trucking Companies
• Trade Association
• Warehousing
• Zoos
• And many more
• Travelers
• USLI
• Verus
• Westchester
• Zurich
• And many more
COMMERCIAL LINES
Products & Solutions
MARINE/WATERCRAFT
Coverages are available for various artisan contractors and miscellaneous marine risks.
• Boat Storage & Moorage
• Diving
• Dock/Pier Installation & Construction
• Environmental Contractors & Clean-Up
• Invasive Species Contractor & Abatement Classes
Coverages
• Boat Dealers
• Builder’s Risk
• Bumbershoot (Marine Excess)
• Commercial Auto
• Commercial Marine Package
• Hull & P&I
• Inland Marine
• Liquor Liability
• Marine Liability
• Marinas & Resorts
• Marine Appraisers or Surveyors
• Watercraft Service & Repair
• Water-Related Special Events
• Commercial Watercraft
• Marina Operator’s Legal Liability
• Maritime Employers Liability
• Ocean Cargo
• Pollution/Environmental
• Property & Casualty
• Stevedore’s Legal Liability
• Wharfingers Legal Liability
• Commercial Watercraft
COMMERCIAL LINES
Products & Solutions
PROFESSIONAL LIABILITY
Whether your insured needs professional liability or miscellaneous E&O, our professional liability team understands the unique exposures of these classes. We are happy to be your resource for professional liability risks!
Accountants E&O
Architects & Engineers E&O
Contractors E&O
Insurance Agents E&O
Lawyers Professional Liability
Miscellaneous E&O
Real Estate E&O
Technology E&O
• Accountants
• Application Service Provider
• Architects
• Artisan Contractors
• Aviation Insurance Agent
• Certified Public Accountants
• Civil Rights (AOP)
• Cloud Computing Services
• Construction Mgrs
• Consultants
• Contractors
• Criminal Defense (AOP)
• Crop/Hail Agents
• Design/Build Firm
• Drywallers
• Engineers
• Geotechnical Engineer
• Green Law (AOP)
Classes Companies
Include, not limited to
• Admiral
• AIG
• Allied World
• Alta Pro
• Amtrust
• At Bay
• Attorney Protective
• Axis
• Beazley
• Berkley Select
• Home Inspectors
• Immigration Law (AOP)
• Installers
• Insurance Agents/Brokers
• Interior Designers
• IT Staffing/Training
• Land Surveyors
• Landscape Architect
• Landscapers
• Lobbyists
• MGA/MGU
• Medical Billing Services
• Painters
• Payroll Service
• Personal Injury & Negligence (AOP)
• Property Managers
• Program Administrators
• Real Estate Agents/Brokers
• Cap Specialty
• CFC
• CNA
• Coalition
• Corvus
• Crum & Forster
• Erisk
• Hartford
• Hiscox
• Intact
• Screening Services
• Social Security Disability (AOP)
• Software Developers
• Steel/Concrete Contractors
• Structural Engineer
• Surplus Lines Brokers
• Surveyors
• Tax Preparers
• Technology Consulting
• Third-Party Claim Adjusters
• Third-Party Claim Administrators
• Title Agents
• Tutoring Services
• Web Developer/Analytics
• Web Marketing
• Wills & Estates (AOP)
• And many more
• Ironshore
• James River
• Kinsale
• Lloyd’s of London
• Markel
• Medmarc/ProAssurance
• Nexus
• Novatae
• RLI
• Skyward
• TMHCC
• Travelers
• USLI
• Verus
• Vela
• Westchester
• And many more
COMMERCIAL LINES
Products & Solutions
STANDARD BUSINESS
Most small business owners need small business insurance. Having it can help protect the livelihood you’ve worked so hard to build. Whether it’s through business income, liability, property coverage or workers’ compensation insurance, we can help you customize the coverage you need.
The right small business insurance will help cover expensive damage and lawsuits from accidents, natural disasters, professional errors or workers’ compensation claims. Most states require some form of insurance for small business owners. No matter how careful you are, accidents happen. When they do, having the right types of coverage can make all the difference.
Classes
• Beauty Salons
• Churches
• Consultants
• Daycare Operations
• Food Service Industry
• Life Sciences
• LRO Exposures
• Manufacturers
• Med Spas
• Not-For-Profit Organizations
• Pet Care Professionals
• Photography with Drone Operations
• Retail Industry
• Technology Industry
• Trade Contractors
• And many more Highlights
• National, admitted, direct bill carriers – trusted names
• BOP coverage provided in most cases
• Multi-line capability under one carrier/one billing account
• Industry specific enhancements Coverages
• General Liability (including products & completed ops)
• Property
• Business Income
• Workers’ Compensation
• Business Auto
• Umbrella
• Crime
• Cyber/Data Breach
• EPLI/EBL/D&O
• Professional/Technology E&O
COMMERCIAL LINES
Products & Solutions
TRANSPORTATION
Commercial Auto
• Business Auto
• Monoline Hired & Non-Owned Auto Liability
• Public Auto
• Specialty Auto
• Towing Classes
Excess Auto Liability
Highlights
• Brokerage & binding capability
• Distressed accounts
• Parade units
• Seasonal operations
• Admitted & non-admitted options
• New Ventures
• Garage
• Trucking
• Public Auto Classes
Garage
Highlights
• Excess auto only
• Excess over auto & GL
• Lead and excess limits available
• Limits of $1-$10M
• Auto Detailers
• Construction/Farm Equipment Sales & Service
• Mobile/Roadside Service
• Motorcycle Sales & Service
• RV Dealers (Dealers Open Lot Only)
• Salvage Yards Classes
Trucking
• Fleet Trucking
• Non-Fleet Trucking Classes
Companies
Include, not limited to
Arch/Freberg
Atlantic Casualty
American Modern (DOL)
Berkley Small Business
Canal
• Service Operations
• Tire Sales & Service
• Towing Operations
• Truck - Tractor/Trailer Sales & Service
• Used Auto Dealers/ Wholesalers
• Valet Parking
Colony
Lloyd’s
MUSIC
National Indemnity
Northland
RLI
Verus Western
Cargo
Most Major Markets
Excess/Umbrella
Most Major Markets
Highlights
• Can add service vehicles
• Ability to add property coverage with select carriers
• Package capabilities
• Tools coverage
Highlights for Fleet Trucking
• Primarily for-hire for 11 to 250 power units
• Local, intermediate and long-haul risks are eligible.
• No radius restrictions with many of our markets
• Ability to look at mileage and unity reporting forms (availability varies by state)
• General liability included with some of our markets
• Diminishing Deductible
• Ability to look at distressed risks that need rehabilitation and accommodate higher deductibles
COMMERCIAL LINES
Products & Solutions
WORKERS’ COMPENSATION
When your contracted carriers cannot assist you, we have access to multiple carriers to serve you based on individual risk factors. With expertise and strategic market relationships, our brokers specialize in crafting programs that fit your clients whether they are minimum risk, multi-state or large complex organizations.
Classes
• Construction
• Healthcare
• Hospitality
• Manufacturing
Highlights
• Multi-state risks
• 6 brokers specialized in WC with over a 100 years’ experience
• Multiple national and regional monoline WC carriers
• Strong working relationships with our carrier partners
Coverages
• Guaranteed Cost
• USL&H | Maritime
• Deductibles | SIRs
• Occupational Accident
Requirements
• Acord 130
• Currently valued 4-year loss history
• Experience mod worksheet (if applicable)
Experienence Mods
Small Business .70-1.90
Middle Market: Unlimited
• Agriculture
• High Hazard
• Service
• Retail
• Pay-as-you-go as well as direct bill available with most carriers
• Ability to do accounts with high experience mods or large losses
• Binding authority with some of our carriers for quick turnaround
• Excess Work Comp
• Blanket Waiver of Subrogation
• Defense Base Act
COMMERCIAL LINES
Industries
CONSTRUCTION & CONTRACTORS
From artisan contractors to general contractors and nearly everything in between, we can build the right coverage for your client’s business to ensure they are covered from all of the unique risks that they are faced with.
Classes
• Artisan/Trade Contractors
• Cabinetmakers
• Commercial Construction
• Concrete Restoration
• Crane & Rigging Operations
• Custom Home Builders
• Demolition/Wrecking Contractors
• Design/Build Exposures
• Energy Contractors
• Environmental Contractors
Highlights
• Blanket AI
• Blanket waiver of subrogation
• Commercial & residential contractors
• New ventures acceptable
• Per project/location aggregate
• Fence Erection
• General Contractors
• Heating/AC Contractors
• Horizontal Drilling and/or Boring
• Janitorial Services
• Metal Erection
• New York Construction
• Prefab Building Construction
• Project Specific Owners’ Interest and OCP
• Primary & non-contributory verbiage and AI for products/completed operations
• Remodeling Contractors
• Roofing Contractors
• Security and Alarm Services
• Septic Tank/Sewer System Cleaning
• Street Cleaning/Snow Removal
• Swimming Pool Contractors
• Telecommunications Contractors
• Traffic Control/Flaggers
• Primary and excess limits available (defense outside the limits; occurrence or claims-made)
• Rating capabilities on payroll or gross sales
• Remodeling classification encompassing several GL class codes
• Tract home builders acceptable
MANUFACTURING & DISTRIBUTION Classes
We can tailor a policy specifically designed to meet the needs of your insureds no matter their size, from small, start-up accounts to large, complex accounts.
Highlights
• Auto, Aircraft & Boat Parts
• Chemical Products
• Cosmetic/Beauty Products
• Electronic/Computer Components
• Firearms & Ammunition
• Food & Beverage
• Machinery & Machinery Parts (including Industrial & Farm)
• Medical Products & Devices
• Metal & Steel
• Pharmaceuticals/Nutraceuticals
• Plastics or Rubber Products
• Playground Equipment
• Sporting Goods/Sports Related
• Textiles/Paper Products
• Toys & Children’s Products
• Trailers
• Wood Products (including Pallets)
• Occurrence & claims-made forms
• Worldwide products coverage
• Can consider both critical and non-critical parts
• Monoline product policies available
• Premises or products only policies available
• Limited product withdrawal expense limits available
• Blanket AI for vendors available
• Can consider imported products
Coverages
• General Liability
• Products Liability
• Excess/Umbrella
• Property
• Foreign Liability
• Product Pollution
• Limited Product Withdraw
• Product Recall
• Discontinued Products
• Earthquake
COMMERCIAL LINES
Industries
REAL ESTATE & HABITATIONAL
With our market knowledge and underwriting experience, we can help you provide the right mix of insurance protection for your clients with commercial property. We have solutions for leased property, vacant property and habitational risks.
Classes & Highlights
• Habitational
• Vacant Property
• Builder’s Risk
• Lessors Risk
• Vacant Land
• Mobile Home Parks/Campgrounds
RETAIL & SERVICES
Coverages
• Package
• General Liability
• Property
• Excess
• Builder’s Risk
Our commercial binding and brokerage teams have access to a broad selection of markets to help place the right coverage for your business-owner clients.
Classes
• Animal Specialties
• Antique Stores
• Appraisers
• Art
• Athletics & Sports
• Appliance Stores
• Auctioneers & Liquidators
• Auto
• Barber Shops, Beauty Salons & Day Spas
• Book Stores
• Business Consulting Services & Business Associations
• Cannabis
• Child Day Care Services
• Churches
• Civic Social & Fraternal Organizations
• Cleaning & Maintenance Services
• Computer Services
• Consignment Service Resale Shops
Coverages
• General Liability
• Property
• Inland Marine
• Package
• Consultants
• Detective Agencies/Private Investigator
• Employment/Temporary Staffing Agencies
• Engineering
• Entertainment
• Equipment Rental & Leasing
• Florists
• Funeral Homes
• Furniture Stores
• Grocery Stores & Convenience Food Stores
• Guard & Patrol Services
• Gun Shops and Gunsmiths Retail
• Hardware Stores
• Home-Based Business
• Hunting & Fishing
• Internet Retailers
• Excess Liability
• Commercial Auto
• EPLI
• Work Comp
• Cyber
• Crime/Participant Accident
• Environmental
• Janitorial Services
• Lessors Only
• Logging
• Machine Shops
• Mobile Home Parks & Campgrounds
• Pawnbrokers
• Pest Control Services
• Rental Services
• Salvage & Surplus Stores
• Sawmills & Planing Mills
• Scrap & Waste Materials Wholesale
• Security Guards
• Sporting Goods Stores & Bicycle Shops
• Tanning Salons
• Tattoo Service
• Tobacco Stores
• Travel Agencies
• Welding
• Equipment Breakdown (Monline)
• Earthquake
COMMERCIAL LINES
Industries
AMUSEMENT & ENTERTAINMENT
Entertainment businesses often come with hard-to-place exposures that aren’t all fun and games. No matter the size or the unique nature of your client’s business, our market access and experience allows us to tailor an insurance program to fit a wide variety of needs in case property damage, accidents or injuries crash the party.
From restaurants and bars to hotels, and everything in between, our commercial lines team is prepared to find the right coverage for your clients’ unique exposures.
• Bars & Taverns
• Bakeries
• Bed & Breakfasts
• Bowling Centers
• Breweries
• Campgrounds/RV Parks
• Casinos/Gambling
• Caterers
• Coffee Shops
Highlights
• Concessionaires
• Event Planners
• Food Delivery
• Food Trucks
• Fraternal Clubs
• Gentlemen’s Clubs
• Hotels/Motels
• Marinas
• Nightclubs
• Private Clubs
• Restaurants
• Seasonal Restaurants
• Theatres
• Tour Boats
• Travel Agencies
• Yacht Clubs
• Assault & battery coverage available with both general liability and liquor depending on carrier
• Can consider interior and exterior hotel entrances
• Options for bars with up to 100% liquor sales
COMMERCIAL LINES
HEALTHCARE & HUMAN SERVICES
Healthcare refers to medical services provided by individual medical professionals and facilities. These services can range from elective to emergent medical care. Human services encompasses nonprofit, for-profit, and governmental entities with the objective of meeting human needs through prevention, remediation, and maintaining a commitment to improving the overall quality of life for all of society.
Healthcare Classes
• Allied Health
• Anti-Aging, Holistic and Alternative Therapies
• Blood & Tissue Banks
• Clinical Research & Clinical Trials
• Clinics
• Coordinated Care
• Cosmetic & Skincare
• Counseling
• Dental
• Dialysis Centers
• Drug & Alcohol, Substance Abuse and Sober Living (Inpatient/Outpatient)
Human Services Classes
• Animal-Related
• Arts, Culture, Museums
• Associations, Clubs & Foundations
• Child Day Care, Head Start & Education (K-12 Private or Charter Schools)
• Community Centers & Services
• Drug & Alcohol, Substance Abuse & Sober Living (Inpatient/Outpatient)
Highlights for both
• A range of deductibles and SIRs including first dollar
• Blanket additional insureds
• Broad definition of insured
• Claims-made or occurrence
• Durable Medical Equipment
• Emergency Services
• Fitness, Health & Wellness
• FTCA Clinics
• Home Health & Hospice
• Hospitals
• Imaging Centers
• Independent, Assisted and Skilled Care
• Medical & Day Spas
• Medical Directors
• Medical Physicist
• Medical Staffing & Locum Tenens
• Mental & Behavioral Health
• Nursing
• Pain Management
• Pharmacies
• Physicians
• Surgery Centers
• Telemedicine
• Testing & Laboratory Services
• Therapy - Hearing, Speech, Physical and Occupational
• Urgent Care Facilities
• Veterinary Services
• Food Banks & Meal Delivery
• Foster Care/Domestic Adoption
• Group Homes, Transitional Housing & Shelters
• Pregnancy Centers & Women’s Crisis Services
• Recreation/Sports, Boys & Girls Clubs and YMCA/YWCA (including participant coverage)
• Consent to settle options
• Coverage in all 50 states
• Extended reporting options including standalone
• Flexibility for shared or separate limits
• Religious Institutions & Churches
• Senior Centers & Adult Day Care
• Services for the Intellectually and Developmentally Disabled
• Sheltered Workshops & Vocational Programs
• Thrift Stores
• Higher limits and excess options available
• Multiple line solutions
• Worldwide coverage available
COMMERCIAL LINES
Industries
LIFE SCIENCES
Life sciences organizations are those that research, develop, and implement products and pharmaceuticals for disease prevention, treatment, and cures, as well as aides to daily life.
Classes
• Bioengineering
• Biotechnology
• Clinical Trials
• Contract Manufacturing & Research Services
• Cosmetic & Cosmetic Drugs
• Diagnostics
• Dietary Supplements & Nutraceuticals
Coverages
• Property
• Casualty
• Errors & Omissions
• Builder’s Risk
• Commercial Auto
• Environmental
• Excess & Umbrella Liability
• Equipment Breakdown
• Marine
Requirements
• Applications: Supplemental, and if applicable, ACORD applications with SOV
• Brochures and/or advertising materials
• Currently valued, detailed, company loss runs (5-10 years)
• Expiring policy
• License information
• Health & Bioinformatics
• Implantable Products
• Manufacturers & Distributors
• Pharmaceuticals
• Research & Development
• Veterinary Science & Animal Research
• Multinational
• Product Recall
• Workers’ Compensation
• Crime
• Cyber Liability
• Directors & Officers
• Employment Practices Liability
• Kidnap Ransom & Extortion
• Fiduciary Liability
• Most recent FYE balance sheet and income statement
• Narrative of operations and/or business plan
• Need by date
• Resume
• Target pricing
COMMERCIAL LINES
Specialties
AUTO PARTS RECYCLERS/SCRAP METAL YARDS
Auto recycling and scrap metal yards include a variety of exposures that can be challenging for any insurance carrier. Regardless of size and uniqueness, we have a diverse portfolio of insurance companies to meet your needs and protect your insureds.
Classes
• Auto Dismantling & Drivers
• Auto Recyclers & Parts Sales
• Catalytic Converter Recycling
• Glass Recycling
• Junk Dealers
Highlights
• Metal Scrap Dealers
• Recycling Centers (Including Tires)
• Salvage Operations
• Salvage Yards
• Scrap Metal Recycling
• Admitted national auto recycling program
• Fenced and unfenced salvage yards
• Guard dogs allowed on the premises
• Reposession operations
• Risks that sell used parts
CANNABIS
• Secondhand Material Dealers/Distributors
• Towing Risks
• U-Pull-It Operations
• Wrecking/Demolition
Coverages
• Admitted Package ProgramAll States
• Environmental
• Equipment Breakdown
• Excess Liability
• General Liability
• Inland Marine
• Package
• Property
• Transportation/Tow Trucks
• Workers’ Compensation
Marijuana, hemp and CBD are all part of an emerging business sector with a unique set of challenges and risks. We have a dedicated cannabis team that can help you find coverage for your client’s business.
Classes
• Biotech Companies in Pain Management
• Cannabis Hospitality Business (bakeries/cafes/conventions)
• Impairment Liability: Claims made and occurrence forms available; available for entertainment risks; general casualty for restaurants, bars, brewereies, etc.; and products liability for dispensaries permitting on-premise cannabis consumption
• Products Liability: Claims-made form; no restrictions for extracts based on THC concentration, intended consumption method or extraction method
• Property: Package options available; coverage for building’s equipment, tenant’s improvements, stock, business income and extra expenses; equipment breakdown available; property extensions available for broadened coverage; all operations including cannabis extraction using propane or butane
• Excess Liability: Supported or unsupported; underlying carriers must be A rated or better
• Professional Liability: D&O; E&O; management liability
PERSONAL LINES
RESIDENTIAL PROPERTY
• Owner-Occupied
• Tenant
• Secondary
• Seasonal
• Short-Term Rentals including units rented on a monthly, weekly, or nightly basis
Home
• Owner-Occupied
• Primary
Condominiums Dwelling Homeowners Manufactured
• Secondary (including short-term and occasional rental)
• Seasonal (including short-term and occasional rental)
• Rental (including scheduled)
• Vacant (including scheduled)
• Vacation Rentals (Airbnb, VRBO, etc.)
• Builders Risks, Renovations, Course of Construction
• Stand Alone Structures
• Vacant Manufactured Home
• Seasonal
• Rental (including schedules)
• Vacant
• Tiny Homes
• Single-Family
• Multi-Sectional
• Modular
• Permanently Sited Travel Trailer or Park Models
• One to Two Family Owner-Occupied (including occasional rental)
• Seasonal/Secondary (including occasional rental
• Builder’s Risk/Course of Construction
• Renovation
• Condos
HIGH-VALUE SOLUTIONS
High-Value Solutions provides individualized coverages customized to the unique needs of affluent individuals or those with emerging wealth. Affluent clients expect concierge-type service, requiring a higher level of expertise and service from both their insurance agent and their insurance company. We partner with top carriers to provide a hands-on approach that is distinctive rather than standard.
Classes
• Homeowners
• Auto
• Excess Liability & Umbrella
• Personal Articles/Collections
• Watercraft
Coverages
• Homeowners
• Automobile
• Personal Excess Liability
• Personal Articles
• Watercraft
Highlights
• High-Value Homeowners Highlights
• High-Value Homeowners Coverage Features
• Auto Coverage Features
• Personal Excess Liability Coverage Features
• Personal Articles Coverage Features
PERSONAL LINES
LIABILITY & UMBRELLA
We offer personal umbrella and personal liability products for financial protection and peace of mind. We have markets for your preferred, standard and high-risk clients.
• Dwellings under construction or renovation where the insured is not the general contractor
• Farm CPL
Personal Liability
• Personal Liability: Primary Personal Liability
• Personal Liability: Excess Personal Liability
PERSONAL LINES
FARM & RANCH
Our farm department offers a broad base of products to independent agents. Knowledge, markets and quality services set us apart from our competition.
Classes
FARM & RANCH
• Dairy Farms
• General Farms/Hobby Farms
• Grain & Other Crop Farms
• Hemp Growers
• Livestock Farms
• Produce/Vegetables/Fruit
FARM ADMINISTRATION CERTIFICATE
• Equine
• High-Value Animals
• Police and Service Dogs
• Show and Breeding Cattle ANIMAL MORTALITY
Coverages
• Farm & Ranch
• Mortality
Companies
Include, not limited to
• American Reliable
• Chubb
• Hartford
• Secura
EQUINE
• Horse Boarding
• Horse Breeding
• Horse Shows
• Private Horse Owners Liability
• Riding Instructions
• Hogs
• Poultry CONFINEMENT
OTHER CLASSES OF BUSINESS
• Feedlot/Pasture
• Livestock Transit Coverage
• Poultry Insurance
• Swine Insurance
• State Auto
• Travelers
PERSONAL LINES
RECREATIONAL PRODUCTS
Collector Vehicle
CLASSES
• Antique Vehicles
• Classic Vehicles
• Collectible Farm Equipment
• Collectible Military Vehicles
• Collectible Special-Use Vehicles
• Exotics
• Hot Rods
• Kit Cars
Motorsports
CLASSES
• ATV and UTV
• Classic/Vintage
• Cruiser
• Custom Motorcycles
• Dirt Bike
• Dual Purpose
• Electric Cycle
• Golf Cart
Watercraft
CLASSES
• Antique Boats
• Bass Boats
• Cabin Cruisers
• Houseboats
• Hovercraft
• Performance
Snowmobiles
COVERAGES
• Accessories
• Late-Model Collectible Vehicles
• Modified Vehicles
• Muscle Cars
• Pony Cars
• Race Cars
• Restoration in Progress
• Street Rods
HIGHLIGHTS
• Agreed value and stated value options
• Several discounts available: home ownership, transferring policy, multiple units, claims free, just to name a few
• Optional coverages available to add
• Payment options: annual, bi-annual, quarterly and bi-monthly
• Low Speed Vehicle
• Scooter/Moped
• Segway
• Standard Motorcycle
• SuperSport
• Touring
• Trike Conversion
HIGHLIGHTS
• Title may be held by an individual, trust, LLC or corporation
• Various coverage levels
• ACV
• Replacement cost available for bikes two model years and newer, does not expire
• Several discounts available: home ownership, transferring policy, multiple units, claims free, just to name a few
• Payment options: annual, bi-annual, quarterly and bi-monthly
• Personal Watercraft
• Pontoons
• Runabouts
• Sail Boats
• Ski Boats
• Yachts
• Personal Effects/Safety Apparel
• Pet Protection
• Towing and Emergency Expense
HIGHLIGHTS
• Title can be in the name of an individual, trust, LLC or corporation
• Shared ownership
• Limited charter
• Broad navigation
• Liveaboard
• Consequential damage
HIGHLIGHTS
• Title may be held by an individual, trust, LLC or corporation
• Various coverage levels
• ACV
• Several discounts available: home ownership, transferring policy, multiple units, claims free, just to name a few
• Payment options: annual, bi-annual, quarterly and bi-monthly
PERSONAL LINES
FLOOD Classes
Arlington/Roe offers access to flood insurance for both personal and commercial through the NFIP and private market.
• Private Primary Flood
• NFIP
• Excess Flood Highlights
• Residential and commercial
• No waiting period
• Replacement cost coverage for building & contents
• Ability to schedule multiple locations into one policy
• Available for non-participating communities
Coverages
• Primary & Excess
RESIDENTIAL EARTHQUAKE
Our monoline residential earthquake solutions provide coverage designed specifically to meet the needs of homeowners, rental dwelling owners and condo-unit owners.
Classes & Coverages
• Monoline Residential Earthquake
Highlights
• Deductible options as low as 2.5% up to 20%
• Stand-alone earthquake policy can be written in conjunction with any H03, DP3, H06 policy providing coverage for homeowners and condo-unit owners
• Competitive rates calculated at a zip code level
• No age, height, foundation or slope restrictions
• All construction types acceptable
PERSONAL LINES
IN-HOME BUSINESS
Home-based business owners are susceptible to losses just like any other business. Our in-home business product responds to the needs of over 100 eligible business classes on an ISO BOP form.
Classes
Over 140 eligible classes including, but not limited to:
• Artists
• Bakeries
• Barbers/Beauticians
• Car Detailers
Highlights
• Over 140 eligible classes
• New ventures are eligible
• Clothing
• Costume Jewelry
• Crafters (no candle making)
• DJs
• Entertainers
• Personal Care Products
• Available in all states, regardless of the homeowner’s insurance carrier
• Risks with revenues up to $500k
• Low minimum premiums
• Coverages satisfy most event or show liability requirements
• Can include additional insureds
• Photographers
• Professional Organizers
• Residential Home Inspectors
• Teachers/Tutors
Coverages
• Business General Liability (both on and off the residence premises)
• Business Personal Property (at home and while temporarily off premises)
• Medical Payments
• Equipment Breakdown
• Loss of Business Income
• Money & Securities
• Errors & Omissions (included on most classes)
VALUABLE ARTICLES/INLAND MARINE
Our personal lines team offers stand-alone inland marine coverage for items denied or limited by homeowner’s policies.
Classes
• Bicycles
• Cameras
• Collectibles
• Contents in Mini-Storage
• Fine Arts
• Furs
• Golf Carts and Motorized Ground Maintenance Vehicles
