Arlington/Roe
PRODUCT GUIDE
Wholesale insurance broker and managing general agent. Serving independent agents since 1964. Let us help you find the right solution.
WHO WE ARE
COMMERCIAL PRODUCTS
PERSONAL PRODUCTS
Table of Contents ABOUT US About Us................................................................................................3 What Makes Arlington/Roe Different...............................................4 Online Rating Capabilities..................................................................5
COMMERCIAL LINES PRODUCTS & SOLUTIONS Aviation..................................................................................................6 Bonds......................................................................................................7 Commercial Agribusiness..................................................................8 Commercial Property & Casualty.....................................................9 Cyber/Data Breach..............................................................................10 Environmental.......................................................................................11 Management Liability..........................................................................12 Marine/Watercraft................................................................................13 Professional Liability...........................................................................14 Standard Small Business....................................................................15 Transportation.......................................................................................16 Workers’ Compensation.....................................................................17 INDUSTRIES Construction & Contractors...............................................................18 Manufacturing & Distribution............................................................18 Real Estate & Habitational..................................................................19 Retail & Services...................................................................................19 Amusement & Entertainment............................................................20 Hospitality..............................................................................................20 Healthcare & Human Services..........................................................21 Life Sciences.........................................................................................22 SPECIALTIES Auto Recyclers/Scrap Yards...............................................................23 Cannabis................................................................................................23
PERSONAL LINES Residential Property............................................................................24 High-Value Solutions...........................................................................24 Liability & Umbrella..............................................................................25 Farm & Ranch........................................................................................26 Recreational Products.........................................................................27 Flood & Earthquake.............................................................................28 In-Home Business................................................................................29 Valuable Articles/Inland Marine........................................................29 Online Rating........................................................................................30
From left to right: Andy Roe (Executive Vice President, Chief Operating Officer), Jim Roe (President & CEO) & Patrick Roe (Senior Vice President, Marketing & Sales)
Family-Owned, Independent & Doing the Right Thing 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, president 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. 3
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 4
Online Rating Capabilities ArlingtonRoe.com/online-rating
COMMERCIAL 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).
PERSONAL LINES
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. 5
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
• • • • • • • • • • • •
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
Coverages • • • • • • •
Aircraft Hull & Liability 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
Include, not limited to • • • • • • • •
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AIG Aviation Allianz Aviation Managers Applied Underwriters Aviation AXA-XL Insurance Group Beacon Aviation Chubb Aerospace Global Aerospace Great American Insurance Company
• • • • • • • •
Houston Casualty Company (HCC) IAT Aviation Kinsale Aviation Lloyd’s of London London Aviation Underwriters Menger Excess Liability National Hangar Insurance Program Old Republic Aerospace
• • • • • • •
Preferred Aviation Underwriters QBE 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
• • • • • •
Nonprofits/Social Services Public Official/Municipal Organizations Real Estate/Financial Services Retail/Hospitality/Restaurants Service Companies Transportation
Coverages • Business Service Bonds • Construction Surety Bonds (Bid, Performance, Payment)
• Court Bonds • License, Permit & Miscellaneous Bonds • Public Official Bonds
Companies
Include, not limited to • • • • • •
AmTrust/Insco Dico Capitol Indemnity Crum & Forster Fidelity & Deposit/Zurich Hartford HCC Surety
• • • • •
Liberty Merchants Bonding Old Republic RLI St. Paul Travelers
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COMMERCIAL LINES 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.
Classes • FARM SUPPLY • • • • • • • • •
Grain elevators Feed mills and feed dealers Fertilizer and chemical dealers Seed dealers Agricultural cooperatives Bulk retail petroleum distributors Rail exposure Fertilizer application Umbrella
• Farm retail stores
• AG TRUCKING • • • •
Grain hauling Milk hauling Manure hauling Livestock hauling
• AG CONTRACTORS
• Manure pumping • Custom harvesting • Irrigation equipment service & repair
• 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
Coverages • Package • Commercial Auto • Excess Liability
• Inland Marine • Pollution • Property & Casualty
Companies Include, not limited to • Chubb Ag • Chubb Insurance Solutions 8
• Continential Western Group Ag • Secura Ag
• Workers’ Compensation • Pivot Irrigation
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.
Industries • • • • •
Amusement & Entertainment Cannabis Construction & Contractors Environmental Hospitality
• • • •
Manufacturing & Distribution Real Estate & Habitational Retail & Services Standard Small Business
PROPERTY
CASUALTY
• • • • • • • • •
• • • • • • • •
Classes & Coverages
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Builder’s Risk Commercial Flood Earthquake Excess Property Inland Marine Jewelers’/Furriers’ Block Monoline Equipment Breakdown Ocean Marine Scrap Yards/Auto Recyclers
Classes & Coverages Auto Recyclers General Liability International Liquor Liability Product Liability Product Recall Railroad Liability Standard Small Business
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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
• • • • • •
E-Crime Computer Fraud Funds Transfer Fraud Invoice Manipulation Social Engineering Fraud Extortion/Ransomware
• • • • •
Media Liability Notification Costs PCI Regulatory Security/Privacy Liab
Companies
Include, not limited to • AIG • At Bay • Axis • Beazley • Berkley • CFC 10
• • • • • •
CNA Coalition Corvus Cowbell Crum & Forster ERisk
• • • • • •
Euclid Great American Hartford Hiscox Ironshore Lloyd’s of London
• • • • •
Markel 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.
Classes • Contractor’s Pollution Liability (CPL) • First & Third-Party Premises Pollution (Site Pollution/EIL) • Transportation Pollution (TPL) - monoline or package • Above Ground Storage Tanks &/or Underground Storage Tank Pollution (AST/UST)
• • • •
Products Pollution Manufacturers/Distributors Environmental Facility Operators Environmental Consultants - GL, PL, CPL, TPL packaged or monoline • Site Pollution
Highlights • Most coverages can be bound on a monoline or package basis • Deductible buy-back coverages/financial assurance • Monoline excess coverages over primary or secondary layers • Incident alert programs • Experienced brokers
• Quick turn-around times • Manuscript capabilities • Experienced environmental claims experts to handle claims involving multiple lines of coverage. • Broad definitions of pollutants • Practice and project policies available • Extended reporting periods
Coverages • Auto • Excess Liability • General Liability
• • • •
Products & Products Pollution Non-Owned Disposal Sites (NODS) Professional Liability Workers’ Compensation (in some cases) 11
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
• • • • • • • • • • • •
Churches Clubs Contractors Daycares ESOP Family Offices Foundations Governmental Entities Home Healthcare Hospitality Insurance Agents Janitorial
• • • • • • • • • • • •
Law Firms Libraries Local Unions Nonprofit Organizations Manufacturers Nursing Homes Professional Services Property Managers Real Estate Religious Organizations Restaurants Retail
• • • • • • • • • • •
Service Industry Social Services Technology Temporary Staffing Title Agents Transportation Trucking Companies Trade Association Warehousing Zoos And many more
Companies
Include, not limited to • • • • • • 12
AIG Allied World Argo Axis Beazley Berkley Select
• • • • • •
Cap Specialty CFC Chubb CNA Crum & Forster Erisk
• • • • • •
Euclid Fidelity & Deposit Great American Hartford Hiscox Intact
• • • • • •
Ironshore RLI Starr TMHCC Travelers USLI
• Verus • Westchester • And many more
COMMERCIAL LINES Products & Solutions
MARINE/WATERCRAFT Coverages are available for various artisan contractors and miscellaneous marine risks.
Classes • • • • •
Boat Storage & Moorage Diving Dock/Pier Installation & Construction Environmental Contractors & Clean-Up Invasive Species Contractor & Abatement
• • • • •
Marinas & Resorts Marine Appraisers or Surveyors Watercraft Service & Repair Water-Related Special Events Commercial Watercraft
Coverages • • • • • •
Boat Dealers Builder’s Risk Bumbershoot (Marine Excess) Commercial Auto Commercial Marine Package Hull & P&I
• • • • • •
Inland Marine Liquor Liability Marine Liability Marina Operator’s Legal Liability Maritime Employers Liability Ocean Cargo
• • • • •
Pollution/Environmental Property & Casualty Stevedore’s Legal Liability Wharfingers Legal Liability Commercial Watercraft
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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
Classes • • • • • • • • • • • • • • • • • •
• • • • • • • • • • • • • • • • • •
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)
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
• • • • • • • • • • • • • • • • •
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
Companies
Include, not limited to • • • • • • • • • •
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Admiral AIG Allied World Alta Pro Amtrust Argo At Bay Attorney Protective Axis Beazley
• • • • • • • • • •
Berkley Select Cap Specialty CFC CNA Coalition Corvus Crum & Forster Erisk Hartford Hiscox
• • • • • • • • • •
Intact Ironshore James River Java Kinsale Lloyd’s of London Markel Medmarc/ProAssurance Nexus RLI
• • • • • • • •
Skyward TMHCC Travelers USLI Verus Vela Westchester And many more
COMMERCIAL LINES Products & Solutions
STANDARD SMALL 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
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 • • • • • • • • • •
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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
• • • • • • • •
Med Spas Not-For-Profit Organizations Pet Care Professionals Photography with Drone Operations Retail Industry Technology Industry Trade Contractors And many more
COMMERCIAL LINES Products & Solutions
TRANSPORTATION Commercial Auto Classes • Business Auto • Monoline Hired & Non-Owned Auto Liability • Public Auto • Specialty Auto • Towing
Highlights • Brokerage & binding capability • Distressed accounts • Parade units • Seasonal operations • Admitted & non-admitted options
Excess Auto Liability Highlights • Excess auto only • Excess over auto & GL • Lead and excess limits available • Limits of $1-$10M
Classes • New Ventures • Garage • Trucking • Public Auto
Garage Classes • Auto Detailers • Construction/Farm Equipment Sales & Service • Mobile/Roadside Service • Motorcycle Sales & Service • RV Dealers (Dealers Open Lot Only) • Salvage Yards
• • • •
Service Operations Tire Sales & Service Towing Operations Truck - Tractor/Trailer Sales & Service • Used Auto Dealers/ Wholesalers • Valet Parking
Highlights • Can add service vehicles • Ability to add property coverage with select carriers • Package capabilities • Tools coverage
Trucking Classes • Fleet Trucking • Non-Fleet Trucking
Companies
Include, not limited to
Arch/Freberg American Modern (DOL) Berkley Prime Berkley Small Business Canal 16
Colony Lloyd’s MUSIC National Indemnity Northland Verus
Cargo Most Major Markets Excess/Umbrella Most Major Markets
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
• • • •
Agriculture High Hazard Service Retail
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
• 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
Coverages • • • •
Guaranteed Cost USL&H | Maritime Deductibles | SIRs Occupational Accident
• Excess Work Comp • Blanket Waiver of Subrogation • Defense Base Act
Requirements • Acord 130 • Currently valued 4-year loss history • Experience mod worksheet (if applicable)
Experienence Mods Small Business Middle Market:
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.70-1.90 Unlimited
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
• • • • • • • • •
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
• • • • • • • •
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
Highlights • • • • • •
Blanket AI Blanket waiver of subrogation Commercial & residential contractors New ventures acceptable Per project/location aggregate Primary & non-contributory verbiage and AI for products/completed operations
• 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 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.
Classes
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
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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
Coverages
• • • • • •
• • • • •
Habitational Vacant Property Builder’s Risk Lessors Risk Vacant Land Mobile Home Parks/Campgrounds
Package General Liability Property Excess Builder’s Risk
RETAIL & SERVICES 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
• 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
• • • • • • • • • • • • • • • • • •
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
Coverages • • • •
General Liability Property Inland Marine Package
• • • •
Excess Liability Commercial Auto EPLI Work Comp
• Cyber • Crime/Participant Accident • Environmental
• Equipment Breakdown (Monline) • Earthquake 19
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.
Classes • • • • • • • • • • • •
Arcades Amusement/Food Trailers Arenas Axe Throwing Batting Cages Bowling Alleys Bumper Cars/Boats Carriage Rides Contingency/Event Cancellation Escape Rooms Equestrian Risks Family Fun Centers
• • • • • • • • • • • •
Firearms Sales & Training Fireworks Displays/Pyrotechnicians Fitness Centers Go Karts Guides & Outfitters Hunting & Fishing Preserves Ice Rinks Indoor Trampoline Parks Inflatables - Events and Rentals Laser Tag Miniature Golf Mobile Performers
• • • • • • • • • • • •
Ninja and Obstacle Courses Paint Ball Petting Zoos Race Tracks/ATV Parks Rage Rooms Rock Climbing Walls/Areas Seasonal Events Shooting & Archery Ranges Special Events Water Parks Ziplines/Rope Courses Zoos & Aquariums
Coverages • • • • • •
General Liability Property Inland Marine Liquor Liability (monoline or package) Package Excess Liability
• • • • •
Employment Practices Liability Workers’ Compensation Cyber Crime and Participant Accident Coverage Equipment Breakdown
HOSPITALITY 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.
Classes • • • • • • • • •
Bars & Taverns Bakeries Bed & Breakfasts Bowling Centers Breweries Campgrounds/RV Parks Casinos/Gambling Caterers Coffee Shops
• • • • • • • • •
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
Highlights • 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
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COMMERCIAL LINES Industries
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)
• • • • • • • • • • • •
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
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)
• 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)
• Religious Institutions & Churches • Senior Centers & Adult Day Care • Services for the Intellectually and Developmentally Disabled • Sheltered Workshops & Vocational Programs • Thrift Stores
• Consent to settle options • Coverage in all 50 states • Extended reporting options including standalone • Flexibility for shared or separate limits
• Higher limits and excess options available • Multiple line solutions • Worldwide coverage available
Highlights for both • A range of deductibles and SIRs including first dollar • Blanket additional insureds • Broad definition of insured • Claims-made or occurrence
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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
• • • • • •
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
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
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COMMERCIAL LINES Specialties
AUTO RECYCLERS/SCRAP 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
• • • • •
Metal Scrap Dealers Recycling Centers (Including Tires) Salvage Operations Salvage Yards Scrap Metal Recycling
• • • •
Secondhand Material Dealers/Distributors Towing Risks U-Pull-It Operations Wrecking/Demolition
Highlights
Coverages
• • • • •
• Admitted Package Program All States • Environmental • Equipment Breakdown • Excess Liability • General Liability
Admitted national auto recycling program Fenced and unfenced salvage yards Guard dogs allowed on the premises Reposession operations Risks that sell used parts
• • • • •
Inland Marine Package Property Transportation/Tow Trucks Workers’ Compensation
CANNABIS 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) Clinical Trials & Product Liability Dispensaries, Retail Outlets, Ancillary Products & Paraphernalia • Hemp Dietary Supplements & Topical CBD & Cannabidiol • Medical, Food, Drink Supplemental Manufacturers
• Medical Marijuana Evaluation Clinics & Individual Practitioners Providing Evaluations • Processors & Laboratories • Security Firms Serving Cannabis Businesses • Staffing & Employment Services • Vaporizers & Other Smoking Devices/Accessories
Highlights • GL: Assault & battery coverage available; occurrence form; premises liability (excluding products) • 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 23
PERSONAL LINES RESIDENTIAL PROPERTY Condominiums
Dwelling
• • • • •
• • • • • • • • •
Owner-Occupied Tenant Secondary Seasonal Short-Term Rentals including units rented on a monthly, weekly, or nightly basis
Manufactured Home • • • • • • • • •
Owner-Occupied Seasonal Rental (including schedules) Vacant Tiny Homes Single-Family Multi-Sectional Modular Permanently Sited Travel Trailer or Park Models
Primary 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
Homeowners • 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
Highlights
• • • • •
• • • • •
Homeowners Auto Excess Liability & Umbrella Personal Articles/Collections Watercraft
Coverages • • • • • 24
Homeowners Automobile Personal Excess Liability Personal Articles Watercraft
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.
Classes Personal Umbrella
Personal Liability
• • • • • •
• • • • •
Monoline Individuals, Trusts, Estates, LLCs, Limited Partnerships Preferred, High-Risk, High Profile Individuals Driving Activity, Major Violations, DUIs Youthful and Older Operators Farm & Ranch Umbrella
Individuals, Trusts, Estates, LLCs, Limited Partnerships Primary Locations Vacation, Seasonal, Rentals Vacant Land Dwellings under construction or renovation where the insured is not the general contractor • Farm CPL
Highlights • Higher Umbrella Limits Available • Higher Excess Uninsured/Underinsured Limits Available
Coverages Personal Umbrella
Personal Liability
• Primary & Excess
• Personal Liability: Primary Personal Liability • Personal Liability: Excess Personal Liability
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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
EQUINE • Horse Boarding • Horse Breeding • Horse Shows • Private Horse Owners Liability • Riding Instructions
FARM ADMINISTRATION CERTIFICATE
CONFINEMENT • Hogs • Poultry
ANIMAL MORTALITY • Equine • High-Value Animals • Police and Service Dogs • Show and Breeding Cattle
OTHER CLASSES OF BUSINESS • Feedlot/Pasture • Livestock Transit Coverage • Poultry Insurance • Swine Insurance
Coverages • Farm & Ranch • Mortality
Companies
Include, not limited to • American Reliable • Chubb 26
• Hartford • Secura
• State Auto • Travelers
PERSONAL LINES RECREATIONAL PRODUCTS Collector Vehicle HIGHLIGHTS
CLASSES • • • • •
Antique Vehicles Classic Vehicles Collectible Farm Equipment Collectible Military Vehicles Collectible Special-Use Vehicles • Exotics • Hot Rods • Kit Cars
• Late-Model Collectible Vehicles • Modified Vehicles • Muscle Cars • Pony Cars • Race Cars • Restoration in Progress • Street Rods
• 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
Motorsports CLASSES • • • • • • • •
ATV and UTV Classic/Vintage Cruiser Custom Motorcycles Dirt Bike Dual Purpose Electric Cycle Golf Cart
HIGHLIGHTS • • • • • • •
Low Speed Vehicle Scooter/Moped Segway Standard Motorcycle SuperSport Touring Trike Conversion
• • • •
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
Watercraft HIGHLIGHTS
CLASSES • • • • • •
Antique Boats Bass Boats Cabin Cruisers Houseboats Hovercraft Performance
• • • • • •
Personal Watercraft Pontoons Runabouts Sail Boats Ski Boats Yachts
• Title can be in the name of an individual, trust, LLC or corporation • Shared ownership • Limited charter • Broad navigation • Liveaboard • Consequential damage
Snowmobiles COVERAGES
HIGHLIGHTS
• • • •
• • • •
Accessories Personal Effects/Safety Apparel Pet Protection Towing and Emergency Expense
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 27
PERSONAL LINES FLOOD Arlington/Roe offers access to flood insurance for both personal and commercial through the NFIP and private market.
Classes
Highlights
Coverages
• Private Primary Flood • NFIP • Excess Flood
• • • • •
• Primary & Excess
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
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
Highlights
• Monoline Residential Earthquake
• 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
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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
• • • • • •
Clothing Costume Jewelry Crafters (no candle making) DJs Entertainers Personal Care Products
• • • •
Photographers Professional Organizers Residential Home Inspectors Teachers/Tutors
Highlights
Coverages
• Over 140 eligible classes • New ventures are eligible • 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
• 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 Golfer’s Equipment Guns Hearing Instruments Jewelry Musical Instruments Silverware
Coverages • Inland Marine
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PERSONAL LINES Online Rating Available on ArlingtonRoe.com/Online-Rating
Call for User ID and navigation help
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JEN COOK 317-554-8677 TRICIA HENDREN 317-554-8554 JACOB KISSICK 317-554-8674 DANI FOFFEL 317-554-8519
AMERICAN MODERN
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JACOB KISSICK 317-554-8674 JEN COOK 317-554-8677 TRICIA HENDREN 317-554-8554 VELICHIA HENDERSON 463-800-3273
RLI
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JENNIFER HOPPER 317-554-8639 ANGIE EDWARDS 317-554-8699
USLI
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ANGIE EDWARDS 317-554-8699 JENNIFER HOPPER 317-554-8639
AEGIS
CONTACT US HEADQUARTERS: INDIANAPOLIS, INDIANA 8888 Keystone Crossing, Suite 900 Indianapolis, IN 46240 (800)-878-9891 ArlingtonRoe.com
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