“Everything counts – Everyone matters”
Berkley North Pacific is a regional, commercial insurance provider servicing business in the Northwest. With local leadership, conversational underwriting, as well as consultative risk management and claims services, they are truly a relationship driven company. Employees live and work close to customers in the Pacific Northwest. This provides reassurance that questions will be answered promptly, and accounts will be serviced at a very high level. Additionally, BNP only partners with a select team of independent agencies who share their commitment to Northwest businesses. As a result, coverage, risk management, and claims solutions are tailored to individualized needs. .
Berkley North Pacific is part of W. R. Berkley Corporation®. founded in 1967, one of the nation’s premier commercial lines property casualty insurance providers and ranked 397th on the Fortune 500 with annual revenues of approximately $7.7 billion. Each of the operating units in the Berkley group participates in a niche market requiring specialized knowledge about a territory or product and has the expertise and resources to utilize their strengths in the present environment, and the flexibility to anticipate, innovate and respond to whatever opportunities and challenges the future may hold.
The BNP Difference
Insurance Product Offerings As an Independent Agent you want to be recognized as an expert in the Insurance Industry. As a result, you need insurance carriers that provide expert solutions that are tailored to your client’s operations. BNP offers industry expertise and solutions with a wide variety of Property and Casualty insurance solutions available for a variety of organizations. From large operations to small businesses you can be reassured that your client’s operations will receive the proper coverage and attention they need from BNP.
LOSS CONTROL SERVICES Be assured that you client’s Northwest business receives the proper attention. BNP Experience - With years of experience mitigating risks for northwest businesses, our loss control services department provides dedicated attention in helping you develop solutions to some of your organization’s most difficult problems. Through great communication and teamwork, we learn about your business and listen intently to your concerns. BNP Staff - Loss Control Consultants have the knowledge and the skill needed to get the job done, with experience developing practical, real-world solutions to address business needs. Strategically located in Bellevue, WA, Portland, OR, and Salt Lake City, UT, BNP consultants have specific knowledge in managing risk for a variety of industries including construction, manufacturing, agribusiness, and more. BNP Process • • • • •
Sit down and discuss your operations, concerns, and current controls Walk through the facility or job site to view the controls in action Review the walk-through and ask any related follow up questions Supply clients with recommendations based on BNP findings Provide additional contact information and relevant resources
CLAIMS SERVICES Clients recover quickly and keep their operations moving forward. Because the BNP claims team has a proven record of outstanding customer service, you can be confident that any claim your clients file will be given the proper attention and care throughout the resolution process. BNP is committed to resolving claims promptly and fairly through sound and ethical adjustment practices.
What sets the BNP Claims Team apart? Experience –Team has a broad range of expertise in many areas, including Auto, Property, General Liability, Product Liability, Construction Defect, Uninsured/Underinsured Motorists, and Personal Injury Protection. Local Decision Making - One of the few major regional companies in the Northwest. This enables BNP to provide more efficient and prompter decision making on claim issues and matters. Specialization - Construction Defect/Property/Litigation Claim Representatives - These professionals are trained to assist in the handling of claims that fall into unique and specialty areas.
BILLING AND PAYMENT SERVICES Clients receive multiple payment options BNP offers a variety of installment plans and payment options, including Electronic Funds Transfer (EFT) that fit your clients their business needs. PAY ONLINE – Clients can pay online by electronic check with Berkley North Pacific’s online bill payment service E-PAY Express. *Please note that credit cards are not accepted via the web. PAY BY PHONE - Pay by Phone is available if your clients require assistance with paying by electronic check or credit card. PAY BY MAIL - Should your clients choose to pay their premiums by mail, they would need to include a copy of their invoice with the payment.
MID TO LARGE OPERATIONS Mid to Large Operations - As operations grow, protecting an organization becomes even more important. With a variety of products and services available, BNP is there to help you care for your clients and focus on accomplishing your goals. From Agribusiness to Wholesale Distributors, BNP offers industry expertise and solutions for a variety of organizations.
Industries Available
Agribusiness
Excavators
Manufacturers
Artisan
Golf Courses Country Clubs
Restaurants
Auto Service & Repair
Grocery Stores
Retail
Building Owners
Hotels & Motels
Wholesalers
Insurance Product Offerings Property General Liability Commercial Auto Inland Marine Umbrella
MIDDLE MARKET APPETITE GUIDE CONSTRUCTION
MANUFACTURING
General Contractors Interior Tile Work Electrical Contractors Electrical Contractors Electrical Apparatus Installation Refrigeration Systems Flooring Contractors Mill Wright Contractors HVAC Contractors Landscaping Contractors Fencing Contractors Interior Contractors Metal Works Machinery/Equipment Installation & Repair Communication Equipment Installation Commercial General Contractors Plumbing Contractors Concrete Contractors
Machine Shops Appliances & Accessories Bakeries & Bakery Plants Beverage Bottlers Bolts & Screws Brick, Clay Products, Glass or Glassware Candy & Confectionary Clothing or Leather Goods Communications equipment Concrete or Plaster Products Dairy products Lighting Fixtures Medial, Dental or Surgical Supplies
AGRIBUSINESS Row/Field Crops Orchards/Vineyards/Berries Grower/Packer/Shipper Cattle/Ranching Operations Food Processing Ranching Operations Wholesale Nurseries Wineries & Breweries Orchards / Vineyards Specialty Crops (mint, grass seed, etc.) Dariers Stand Alone Packaging Operations Seed Cleaning (Owned Seed) Custom Dairy farms
REAL ESTATE Class A&B Office Buildings Commercial Condos Mixed Use Buildings (Retail/Habitational) Retail Shopping Centers Flex Industrial Centers Medical Offices & Facilities Parking - Not Shopping Center Light Industrial/Warehouse LRO- Hotel/Motel Condominium Strip Shopping Center Vacant land Commercial Condos/Apartments/Townhomes Vacant Land Moderate Industrial/Warehouse
Refrigeration Equipment Sheet Metal Goods Signs Tents, Canopies and Awnings Tools
MIDDLE MARKET APPETITE GUIDE HEALTH CARE
WHOLESALE
Medical/Dental Offices Outpatient Treatment Facilities Optometrists/Chiropractors Veterinary Clinics Healthcare Facilities Laboratories - R & D Assisted Living Facilities* Hospitals* Occupational Health Sleep Study Clinics Diagnostic & Testing Labs * Indicates Property only
Plumbing Supplies & Fixture Dealers Equipment, Fixtures or Supplies Distributors Importers Paper Products Building Materials Sporting Goods Beverage Frozen Food Distributors Clothing and Fabric Appliance Distributors Hardware & Tools
RETAIL
SERVICES
Bakeries and Delis Automobile Part Stores Hardware & Tools Internet Retailer Musical Instruments Clothing Stores Shoe Stores Appliance Stores
Furniture Installation in Offices or Stores Barbara Shops Car Washes - Self Service Event, Party and Wedding Planner Pet Groomers Funeral Homes Portable Toilet Rentals Caterers
Floor Covering Stores
Photographers
Drug Stores Grocery Stores Pet Stores Machinery, Equipment Dealer and Building Material dealers Furniture Stores Liquor Stores
Coffee & Tea Shops Upholstering Vending Machine Operations Appliance Accessories, Installation, Service Repair - Commercial
MIDDLE MARKET APPETITE GUIDE PROFESSIONAL SERVICES
HOSPITALITY
Accountants/Lawyers Architects & Engineers Advertising Agencies Interior Decorators Real Estate Agents Consultants Inspector & Appraisal Companies
Golf or Country Clubs Hotels/Motels* Restaurants - Family Style Restaurants - Fine Dining Restaurants - Franchise * Restrictions and requirements apply
SMALL BUSINESS DIVISION Enterprise Division - BNP knows and understand small business and are focused on providing a customized insurance policy that is unique. Additionally, an online rating system allows agents to quickly submit information about a business and receive a quote promptly. With local underwriting, flexible and customizable product offerings, competitive rates, and a broad appetite that covers a variety of industries, BNP has many insurance solutions to meet small business needs.
Industries Available
Condominium
Contractors
Garage
Habitational
Hotel/Motel
Building Owners
Manufacturing
Grocery Stores
Restaurant
Retail
Service
Wholesale
Insurance Product Offerings Property General Liability Commercial Auto Inland Marine Umbrella
Maximum exposures eligible for Enterprise Division Market Segment Condominium
Property Values Per Location $5.0M
Sales Per Account
Payroll Per Account
Number of Autos
NA*
$2.5M
10
Contractors
$2.5M
NA
$ 750K
10
Garage
$2.5M
$5.0M
$2.5M
10
Habitational
$5.0M
NA
$ 2.5M
10
Hotel/Motel
$5.0M
$5.0M
$2.5M
10
NA*
NA*
$2.5M
10
Manufacturing
$7.5M
$5.0M
$5.0M
10
Professional Office
$10.0M
NA*
$ 5.0M
10
Restaurant
$5.0M
$10.0M
$5.0M
10
Retail
$10.0M
$15.0M
$8.0M
10
Services
$10.0M
$10.0M
$ 5.0M
10
Wholesale
$10.0M
$7.5M
$5.0M
10
Building Owners
* LRO Property threshold depends on the occupancy of the building.
SUBMISSIONS Enterprise - Small Commercial must be quoted online portal.berkleynpac.com Your email address is your user ID Middle Market Submissions: imaging@berkleynpac.com Please include need by date, loss runs and target premium ALL changes/endorsements requests: imaging@berkleynpac.com
Commission Schedule Package Programs
Coverage Part Fire & Allied
Equipment Breakdown
BOP
Agri-Business (ABP)
15.0%
15.0%
N/A
15.0%
15.0%
15.0%
15.0%
15.0%
Commercial Package (CPA)
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
Farm Package (CFM)
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
Franchised Restaurant (FRP)
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
Auto Service and Repair (GO)
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
20.0%
20.0%
15.0%
15.0%
15.0%
15.0%
15.0%
20.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
15.0%
Advantage Package ( ADV) New Business Advantage Package (ADV) Renewal Business Advantage Package (ADV) Renewal Business
Comm Inland Crime Earthquake Auto Marine
Monoline Policies
Percent
Fire & Allied Lines (CFA)
15.0%
Auto Dealers Liability (CGA)
15.0%
Businessowners (BOA)
15.0%
Commercial Auto (CAA)
15.0%
Inland Marine (CIM)
15.0%
General Liability (CLA)
15.0%
Umbrella (CUA)
15.0%
Umbrella Excess Liability (CUP)
15.0%
Advantage General Liability (ADL) New Business
15.0%
Advantage General Liability (ADL) Renewal Business
15.0%
Advantage Property (ADP) New Business
20.0%
Advantage Property (ADP) Renewal Business
15.0%
Farm Property (CFM)
15.0%
Farm Inland Marine (FIM)
15.0%
Farm Umbrella (CUF)
15.0%
Farm Excess Liability (CFE)
15.0%
Other than Auto Liab
Sales Executives
Western Washington Eastern Washington, Northern Idaho & Montana
CAROLINE GATES Email: cagates@berkleynpac.com
JARRETT STEWART
Office: 425-401-4274
Email: jastewart@berkleynpac.com
Mobile: 206-954-4949
Office: 425-401-4221 Mobile: 509-494-9877
Southern Idaho & Eastern Oregon Western Oregon
BRIAN EVERS
FRED GONZALEZ
Email: bevers@berkleynpac.com
Email: fgonzalez@berkleynpac.com
Mobile: 509-998-7986
Mobile: 503-735-5256
Utah MITCH COMBE Email: mcombe@berkleynpac.com Mobile: 801-243-6768
Contact Information CRAIG PHAIR Senior Vice President – Associate Development Email: craig@insuranceagencynetwork.com Mobile: 541-891-9551 Fax: 425-868-2411
MIKE HALLER Chief Administration Officer Email: mhaller@insuranceagencynetwork.com Mobile: 425-681-0996 Fax: 425-868-2411
Website: www.insuranceagencynetwork.com
Contact Information STEVE AHL Vice President – Business Development Email: sahl@berkleynpac.com Office: 208-898-5210 Mobile: 208-571-7283
Website: www.berkleynpac.com