Looking to see if we have a market for your commercial risk?

From A-Z, you’ll find all of Indium’s commercial markets below. Click on the industry / market to see our coverage options and providers.

All new business for commercial lines must now be submitted through Appulate. Emailed or faxed applications will not be accepted.

A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z


Chubb – Wineries

Chubb’s Customarq for Wineries package policy is custom crafted to respond to the specific needs of wineries from vineyard to wine glass.

Grange – Agribusiness

Target markets include orchards, hobby/gentlemen farms – cattle, incidental horses, row crops, family farms, dairy farms, sod farms, aquaculture farms, specialty animals – alpacas, llamas.

Liberty Mutual – Farm and Agribusiness

The Liberty farm policy can be tailored to meet the varying needs of many farms ranging from a small hobby farm to a large commercial operation.

DesignPro – Architects & Engineers

DesignPro is a member of Wichert Insurance Group. They are a recognized leader of insurance and risk management services to architects and engineers. DesignPro represents a majority of the major insurance carriers that serve the A&E industry, including Hanover, Beazley, RLI, AIG and Victor O. Schinnerer.

Travelers – Architects & Engineers

The new Travelers 1st Choice professional liability policy can help protect your firm against losses resulting from negligence, errors and omissions in the performance of professional services.

Grange – Auto Service & Support

Travelers – Franchised Auto & Truck Dealers

Traveler’s IndustryEdge® for Franchised Auto & Truck Dealers delivers industry-specific underwriting, risk control analysis and claim service tailored to the nuances of today’s auto and truck dealers.

Utica National – Auto Dealers

Utica National has developed its Franchise Auto Dealer Insurance Program to give your clients the comprehensive, yet flexible, protection they need. Coverages include Commercial Property, Inland Marine & Crime, Garage Liability and Commercial Automobile, Umbrella and Workers’ Comp.


Utica National

As a Bed & Breakfast or Country Inn owner, your client has worked hard to create a certain atmosphere and charm to make their establishment unique – and they don’t want an accident or unexpected event to spoil that. Utica National has combined many different kinds of insurance coverages for adequate protection into one convenient Businessowners’ Policy that features Property Protection, General Liability, Businessowners’ Extension Endorsement, Bed & Breakfast Amendatory Endorsement, Bed & Breakfast Property and Liability Extension and Commercial Auto.

INET – Boats, Yachts, Marinas

INET provides comprehensive coverage for boats, yachts, marinas, boat dealers, marine service centers and excursion vessels at competitive rates.

Norman-Spencer – Boats & Yachts Program

Norman-Spencer provides broad coverage, at the lowest price available, and can accommodate all boats and yachts

Great American Property & Inland Marine – Builders’ Risk

Builders’ Risk Plus is Great American’s signature coverage that affords financial protection to contractors, construction managers and owners against property losses for projects valued up to $100 million or more.

Builders’ Risk Plus for Renovation Projects provides coverage for existing buildings for their functional value, with no coinsurance requirement.


Utica National – Child Care

The Utica National program for child care centers works to increase your client’s child care center’s overall safety and prevent both property and liability losses. Coverages include: Child Care Legal Liability, Sexual Molestation Coverage, Business Income/Extra Expense Coverage, Playground Equipment, Outdoor Fences, Employee Dishonesty and Auto Extension.

Great American Specialty Human Services – Religious Organizations

Target markets include Bible & divinity schools, Churches, Convents, Monasteries, Religious & parochial schools, Retreat houses & conference centers, Seminaries, Shrines, and Temples & synagogues.

Liberty Mutual Business Insurance – Religious Institutions

Travelers – Religious Organizations

American Modern – Commercial Scheduled Dwelling (10+ Dwelling Program)

American Modern has a Commercial Scheduled Dwelling program for 10+ dwellings.

Chubb – Property Coverage

Chubb’s Customarq Classic provides property coverage, business income, machinery breakdown and crime insurance. Their portfolio of property products also includes inland marine, ocean cargo and monoline machinery breakdown insurance.

CNA – Property Coverage

From small businesses to multinational Fortune 500 companies, CNA brings thoughtful solutions, proven products and dedicated services to provide a broad array of property coverages, backed by the financial strength of an “A” rated carrier.

Grange – Commercial Property

Great American – Commercial Property

Great American’s Select Business Policy (SBP) offers first-party primary coverage. They design endorsements for specific industries including municipalities and schools, healthcare, condominiums, contracting, wholesale distribution and manufacturing.

Great American – Vacant Property

Coverage is written on a non-admitted basis with a variety of coverage options and competitive pricing. Partially occupied buildings (less than 31% occupied) can be considered.

Liberty Mutual – Property Coverage

Liberty Mutual offers coverages on a ground-up and shared and layered basis, as part of a total account solution and as monoline products. All coverages are supported by property-dedicated teams of underwriters, risk engineers and claims managers.

Seneca – Property Coverage

Preferred classes include vacant buildings (including foreclosed property), businesses in bankruptcy, forced placed properties, light manufacturing, real estate owners and assisted living.

Travelers – Property Coverage – Deluxe

Travelers Deluxe core policy includes buildings, personal property, time element (Agreed Value is included) and marine coverages. It’s a broad, integrated approach to packaging the coverage needs of customers in a single policy.

Travelers – Property Coverage – Large Business

National Property provides customized, cost-effective insurance solutions for owners of large commercial properties within an extremely broad variety of industries. Samples of classes written include real estate, hotels & motels, retailers, industrial parks, builders’ risk, apartments, restaurants, amusement parks, manufacturing, colleges & universities, theaters, public entities, supermarkets, contractors equipment, schools, food processing, plastic & metalworkers, banks, soft drink bottlers, warehouses, steel workers, hospitals, and communications.

QBE Americas – Property Coverage

QBE provides property coverage for middle market, small- to mid-sized risks.

Norman-Spencer – Concrete Pumpers

Norman-Spencer offers PumpPro, the #1 choice of concrete pumping companies nationwide and the only property and casualty insurance program endorsed by the ACPA. Program highlights include Blanket additional insured endorsements necessary to meet contractual requirements, No deductible on general liability coverage, Blanket waiver of subrogation, No limitations or exclusions for residential projects, Primary, non-contributory additional insured, Per project aggregate,


Targeting condominium associations with less than 10% rental. Frame construction is acceptable. Limits up to $15M are within Indium’s authority to quote in-house, often with no referral needed.

CNA – Construction

CNA has insurance solutions for the following commercial and industrial contractors, including:
Building equipment installation and repair contractors, Concrete contractors, Electrical contractors, General contractors, Grading & excavation contractors, Landscaping & lawn care, Renewable energy contractors, Road contractors, Roofing contractors, Sheet metal, mechanical, AC & plumbing contractors, Spa & swimming pool contractors, and Utility & excavation contractors.

Grange – Construction

Liberty Mutual – Construction (no more than 25% subcontracted work)

Liberty Mutual has markets for General Building Contractors (except residential) and Specialty Trade Contractors.

Merchants – Contractors

Prefer residential artisans such as electricians, HVAC technicians, landscapers, plumbers and painters.

Norman-Spencer – Construction Programs

Norman-Spencer Construction Programs include Concrete pumpers, Contractors tools & equipment, Crane & boom trucks, and Ready mix companies.

QBE Americas – Construction

Target markets include Concrete work, Electrical, Excavation, and Interior work (plastering, drywall, tile, floors & insulation)

Travelers – Construction

Target contractors include General contractors (commercial & industrial), Heavy contractors (street, road & infrastructure), and Trade contractors (interior & exterior).

Travelers IndustryEdge offers a suite of products and services for specific individual contractors such as Bridge contractors, Concrete contractors, Electrical contractors, Fire sprinkler contractors, General contractors, Highway, street & road contractors, Mechanical contractors, Millwright contractors, Plumbing contractors, Tile contractors, and Underground utility contractors.

Travelers ConstructionPlus+ is a specialized product for small construction contractors. The general underwriting appetite includes Smaller trade & heavy contractors, General liability (payrolls generally between $750,000 – $3 million), Minimum of 3 years in business preferred, Continuous insurance coverage for the last 3 years, No more than 50 power units, No more than 25% of work subcontracted to others, and Risk control survey not required.

Norman-Spencer – Contractor Tools & Equipment

Contractor tools & equipment coverage for artisan and trade contractors.Coverage includes Leased/rented ($250,000 per item/per occurrence), Miscellaneous tools ($25,000 with $2,500 maximum per item), Rental cost reimbursement ($25,000 with $1,000 maximum per day). Ineligible equipment includes cranes, mining, gas and oil drilling, energy, logging, heavy street and road, and concrete pumping equipmen

Norman-Spencer – Crane & Boom Trucks

Norman-Spencer specializes in writing crane coverage with or without operators that include “on hook” and over the road coverage. Program highlights include No GL or crane auto deductibles, Separate GL, riggers and auto limits, Can write other auto (pick-ups, etc.), Replacement cost on equipment 10 years or newer, Admitted package policy in most states, Per policy aggregate up to $5M, Additional insured with completed operations, Stop gap-employee benefits, and Loss of use limits up to $1M.

Chubb – Cultural Institutions

Appetite includes museums, societies and libraries.

Great American Specialty Human Services – Arts & Cultural Institutions

Appetite includes museums, music centers, performing arts centers, theaters, cultural centers, drama & art schools, art galleries, gardens and many more.

Travelers – Inland Marine – Fine Art & Museum Insurance

Travelers offers coverage for fine art customers, whether it is a large cultural institution, a large corporate collection or the dealers and galleries who represent this industry.

Chubb – Cyber Crime & Liability

Chubb CyberSecurity is designed by cyber risk experts to address the full breadth of risks associated with doing business in today’s technology-dependent world. The policy combines third-party (cyber liability) and first-party (cyber crime expense) coverages into one worldwide policy.

CNA – Cyber Liability

CNA NetProtect offers cyber coverage critical to businesses of all types.

Travelers – Cyber Liability

Travelers’ CyberRisk policy offers 10 separate cyber insurance coverages, designed to address the broad array of cyber security exposures emerging in today’s world.

Travelers CyberFirst offers broad coverage that meets the complex needs of today’s state-of-the-art technology companies.

Travelers Public Entity Cyber Liability offers an additional level of protection to complement public entity general liability and management liability coverages.

Victor O. Schinnerer – Cyber Liability

Victor O. Schinnerer offers a Cyber Protection Package with broad and simplified coverage, a simple quote and bind process and competitive premiums.

With a focus on three broad coverage bundles (digital crime, breach liability and breach rectification), Schinnerer provides solutions for target markets including the working man, manufacturers, architecture firms, non-profit organizations, real estate firms and other various small-to-mid market accounts.


Victor O. Schinnerer

Architects and Engineering Professional Liability (on CNA paper)


Great American Specialty Human Services – Educational Institutions

Appetite includes Bible & divinity schools, Charter schools, Community & junior colleges, Cooking & culinary schools, Dance, drama, film, fine arts & music, Daycare centers, Educational research, Head start programs, Kindergarten, nursery, preschool, Language schools, Latch key & after-school programs, Montessori schools, Private elementary & secondary schools, Private & public libraries, Schools for blind & deaf, Special education instruction, Tutoring, Vocational & technical schools.

Liberty Mutual Business Insurance – Educational Institutions

Liberty Mutual’s appetite includes Private schools and Charter schools.

Utica National – Educational Institutions

A recognized leader in meeting the unique needs of educational institutions, Utica National’s experience comes from decades of serving a broad spectrum of schools including public schools, private schools, vocational schools and colleges and universities. Latest coverage enhancements include Violent Event Expense Coverage, Cyber Package, Law Enforcement Coverage Endorsement, Replacement Cost for School Buses, Optional Extension of Coverage to include PTO/PTA and other clubs, Enhanced Defense Costs Coverage and more.

Chubb – Energy

Target markets include Mining, Petroleum, Power, Clean Technology, Renewable energy, Control & storage technologies, and Resource optimization.

Travelers – Clean Energy & Technology

Travelers offers insurance solutions for wind and solar businesses ranging in size and specialization.

Utica National – Energy Dealers

The Utica National program for energy dealers includes Crucial Spill/Pollution Liability Protection, Professional Spill Management and Extensive Loss Control support. In addition, Utica National provides coverage for Commercial Automobile, Commercial Property, General Liability, Umbrella and Workers Comp.

R-T Specialty – Special Events Coverage

Special events coverage includes Picnics, Sporting events, 5Ks, walkathons & running events, Weddings & receptions, Beer gardens & beer tents, Wine tastings, Fundraisers, Festivals, Concerts & musical performances, Parties, Conventions, trade shows & exhibits, Parades, Sidewalk sales, Car shows, ans Bicycle races.

Chubb – Environmental Liability Solutions

Chubb’s appetite includes Contractors pollution liability, Environmental site liability, and Pollution liability.

Travelers – Environmental Liability

Target Classes include Contractors pollution liability, and Site pollution liability.

Chubb – Excess & Umbrella Liability

Chubb’s target classes include Real Estate (commercial, retail, habitational), Manufacturers, Wholesalers, Retailers, and Service oriented risks (law firms, consultants, caterers, etc.)

CNA – Excess & Umbrella Liability

A comprehensive product that provides catastrophic liability protection for commercial automobile, general liability and employers’ liability exposures.

Liberty Mutual – Excess & Umbrella Liability

Targeted industries include Retail, Financial services, Real estate, Wholesale trade, Manufacturing, Services and Construction.

Travelers – Excess & Umbrella Liability

Travelers broad appetite includes Food manufacturers and distributors, Grocery stores, Department stores, a wide variety of product manufacturers, Funeral homes, Restaurants, Building owners and landlords, Hotels and motels, Auto dealers, Contractors, Newspapers, broadcasters & publishers (including media liability), Financial institutions & insurance companies, and Risk purchasing groups.


Chubb – Financial Institutions

Chubb acceptable classes of business include Asset managers (investment advisors, hedge funds, mutual funds, private equity firms & venture capital firms), Banking (all banks, credit unions, credit care issuers, trust companies & consumer finance companies), and Insurance companies (HMOs, life insurance, property & casualty, title insurance & finance guaranty)

CNA – Financial Institutions

Small Business target markets include commodity brokers, financial planners, insurance agents and stock brokers.

Middle Market target markets includes banks, credit unions, insurance companies and agencies, investment advisors, hedge funds, etc.

Liberty Mutual Business Insurance – Financial Institutions

Target markets include banks and holding companies, insurance agents and companies, investment advisors, managed care organizations.

Travelers – Financial Institutions

Travelers offers coverages to community banks, credit unions, insurance companies, investment advisors, large depository and other non-depository institutions, and managed care organizations.


Chubb – General Liability

Chubb’s general liability insurance products afford primary protection for bodily injury, property damage, advertising injury and personal injury.

CNA – General Liability

Commercial general liability is offered using standard ISO coverage parts and endorsements along with CNA proprietary endorsements for comprehensive and competitive coverage.

Great American – Vacant Land

Great American offers competitively priced liability and medical payments coverage for vacant land on a non-admitted (surplus lines) basis.

Liberty Mutual – General Liability

Liberty Mutual Insurance general liability products help protect your client’s business from liability claims.

Travelers – Public Sector General Liability

General liability coverage provided for unique exposures of public entities including cities, public utilities, transits, schools, other special districts and American Indian nations. Travelers EnergyPro general liability coverage is designed to address the general liability exposures that confront businesses operating in the oil and gas industry today. Combined pollution liability and general liability coverage in the same policy form to provide virtually seamless protection for many types of losses.


Private Country Club (public welcome on limited basis)
Public Course (privately-owned)
Any Banquet Hall or Sports Activities are subject to underwriter approval

Utica National – Graphic Arts

Utica National’s competitive program includes Publishers’ Liability, Error and Omissions, Limited Recall and Rework Expense, Correction of Work, and Infringement of Intellectual Property – just to name a few options.


American Modern – Landlord 10+ Dwelling

American Modern is your solution for your investor clients who own 10 or more properties. Our Landlord Dwelling Program allows multiple properties to be scheduled on one policy – with one bill date and one renewal date, with no limit on the number of properties allowed on the single policy.

  • 1-6 family rental properties
  • Basic, Broad or Special Form coverage – can be mixed within same policy
  • Replacement Cost or Actual Cash Value loss settlement
  • Properties added or deleted by endorsement – no cancels or rewrites
  • $1 Million liability limits
  • High deductibles available
  • Business income/rental value coverage available
  • 100%, 90%, or 80% coinsurance options
  • Vacant property allowed
  • LLC’s/Corporations allowed

Chubb – Health Care Organizations

Chubb’s appetite includes Health care nursing homes (property & machinery breakdown), Hospitals (property & machinery breakdown), Executive risk for health care organizations, Cybersecurity for health care organizations.

Chubb – Life Sciences

Chubb’s targeted classes include Medical device manufacturers, Pharmaceutical manufacturers, Health care product service organizations, Equipment, Dietary supplement manufacturers, Drug discovery technologies, and Health care information technology.

CNA – Health Care

Small Business target markets include ambulatory surgery centers, community health centers, dental laboratories, imaging labs, medical laboratories, medical offices, physical therapists, rehabilitation centers, psychiatrists and psychologists.

Middle Market target markets include nursing homes, assisted living, hospitals, treatment centers, doctor groups, medical technology and life sciences.

Recognized as the leading provider of medical professional liability, CNA offers insurance solutions for Aging services organizations, Allied health care facilities, Hospitals & health systems, Life sciences companies, Physician clinics and group practices, and Medical product liability.

Liberty Mutual Business Insurance – Health Care

Health Care target markets include doctors’ offices, hospitals, laboratories and medical clinics.

Travelers – Health Care Organizations

Target markets include outpatient facilities (excluding professional liability), diagnostic laboratories (excluding professional liability) and inpatient property facilities such as Medical offices, Clinics, Laboratories, Diagnostic centers, Ambulatory surgical centers, Hospitals, and Nursing homes.

Norman-Spencer – Hired & Non-Owned Auto

Norman-Spencer designed this program specifically to provide auto liability and excess liability coverage to pizza and food delivery, couriers, visiting nurses, home health care services and contractors. Target Risks include Food Delivery Courier Services, Home Health Care, and Contractors (non-owned auto only).


Business class hotels with interior hallways/corridors. Swimming pools are acceptable.

Liberty Mutual Business Insurance – Hospitality

Liberty Mutual’s appetite includes Conference centers with hotels and Hotels, motels & inns.

Travelers – Hotels & Resorts

In addition to standard coverages, other coverage options include Business class, Resorts, Family & leisure hotels.



Chubb’s appetite includes Builders’ risk (no frame – residential or commercial), Boilers & machinery, Contractors’ equipment, Inland marine, transit, Motor truck cargo, and Ocean cargo.

CNA – Ocean Marine

Coverages include Cargo, Hull and protect & indemnity (P&I), Primary & excess liabilities, Boat dealers/marina operator liability, Specialty ocean marine – landing dock liability, stevedoring, ferries & passenger vessels, and Yachts.

Great American – Property & Inland Marine Division

Great American’s appetite includes Bailee, Builders’ risk new construction, renovation, residential, Contractors’ equipment, Communications – radio & television, Electronic data processing (EDP), Equipment breakdown, Furriers, Installation coverage, Medical diagnostic, Motor truck cargo, Special floater, and Transportation.

Liberty Mutual Business Insurance – Inland Marine

Liberty Mutual’s appetite includes Builders’ risk (residential or commercial), Contractors’ equipment (small and large contractors), Commercial computer (EDP), Transportation (shipper’s interest), Motor truck cargo (broad appetite for contract or common carriers), Fine arts & museums (covers property and property of others), Antique auto (single vehicle to large schedules), Bailees (covers insured’s interest in property of others), Miscellaneous property floater (coverage for scheduled and unscheduled property), Radio & television towers, and Other inland marine coverages (dealers, warehouse legal liability, medical equipment & mobile broadcasting equipment)

RT Specialty


Travelers’ Inland marine appetite includes Motor truck cargo and Ocean marine.


Utica National – Libraries

In addition to coverage for your clients’ commercial property, general liability, inland marine and crime exposures, Utica National’s Library Program offers special coverages that can be added to your policy to provide extra or extended coverage. Some of those coverages include: Library Amendatory Endorsement, Library Protector Endorsement, Library Property Floater Coverage, Legal Liability Coverage, and Library Auto Extension.


Drugs/Biologics, Medical Devices, Dietary/Nutritional Products, Research & Development, Contract Professional Services (Laboratory, Clinical Trials)

Utica National – Light Manufacturing

Utica National recognizes that no two manufacturers are alike. With their light manufacturing program, your client can choose the limits and coverages they need for various property, crime and inland marine exposures. Additional coverages include Limited Product Recall, Deferred Payments, Equipment Breakdown, General Liability Extension, Commercial Auto Extension, Employment Practices, Employee Benefits Program and Accessible Professionals.



Employment Practices Liability, Crime, Miscellaneous Professional Liability, Directors & Officers and Entity Liability, Fiduciary Liability

Chubb – Federal Government Contractors

Coverage for manufacturers of federal government products with 50%+ revenue from government sales.

CNA – Manufacturing

Target markets include the following Concrete, clay, glass & stone manufacturers, Industrial machinery manufacturers, Machine shops, Paper & printing manufacturers, Plastic & rubber manufacturers, Primary & fabricated metal manufacturers.

Grange – Manufacturing

Liberty Mutual Business Insurance – Manufacturing

Target markets include aluminum; analytical instruments; auto parts; stamping (non-critical); bolts, nuts, rivets and washers; electrical industrial appliances; electronic components; fabricated metals; hardware; household appliances; machinery; metal stamping; optical instruments and lenses; plumbing fixtures; sheet metal work; steel and wire springs, pipes, related products; and tool and die.

Travelers – Manufacturing

Target markets include Electronics & precision instruments, Food processors and manufacturers (bakeries, dairies, fruits, vegetables & processed foods), Metal manufacturers (auto parts, casting, forging, industrial machinery, stamping, rolling & drawing), Mineral product manufacturers (concrete, brick & stone, glass & clay), Plastics & rubber goods manufacturers, Printers, Publishers, and Wood manufacturers (furniture, paper, wood products, sawmills & planing mills.

QBE Americas – Manufacturing

QBE’s appetite includes Food, Clothing, Home Furnishings and Accessories, Electrical and Precision Electronic Components, Metal Goods, and Other Manufacturing.

INET – Boats, Yachts, Marinas

INET provides comprehensive coverage for boats, yachts, marinas, boat dealers, marine service centers and excursion vessels at competitive rates.

Norman-Spencer – Recreational Marine Program

Eligible classes include the following Boat dealers, Yacht brokers, Boat repair, Boat rental, Piers, wharves & docks, Marinas, Marine artisans, Contractors, Charters, Tugs & barges.


Chubb – Professional & Management Liability

Chubb offers Professional & Management Liability insurance solutions for Crime & financial fidelity, Cyber crime liability, Directors & officers liability, Employment practices liability, Errors & omissions liability, Fiduciary liability, Kidnap, ransom & extortion, Multinational solutions, Non-profit organization, Private company, and Public company.

CNA – Professional Services

CNA offers insurance solutions for Accountants, Architects & engineers, Law firms, Management consultants, and Real estate agents.

Travelers – Professional & Management Liability

Travelers offers coverage for Financial institutions, Private companies & non-profit organizations, Professional firms, and Public companies.


Norman-Spencer – ReadyMixpro

Designed for companies that manufacture and transport ready mix concrete to construction job sites. Program highlights Pollution liability, No residential exclusion or limitations, Blanket additional insured, blanket waiver or subrogation, per project aggregate & primary, non-contributory wording included.

Chubb – Real Estate

Chubb’s appetite includes Property & casualty and Professional & management liability.

CNA – Real Estate Agents

CNA’s appetite includes Professional liability and Property & casualty.

Liberty Mutual Business Insurance – Real Estate

Target markets include commercial real estate managers & non-residential operators.

Norman-Spencer – Real Estate E&O

Available to risks whose services include Residential or commercial sales, Broker price opinions, Property management, Leasing, Appraisal, Mortgage brokering, and Escrow.

Travelers – Real Estate Owners & Managers

Target properties include Industrial buildings, Office buildings, and Shopping centers & malls

Norman-Spencer – Real Estate E&O

One of the most comprehensive errors and omissions real estate liability programs available in the market. Coverage includes Deductibles from $1,000, Broad definition of professional services, laim expenses in addition to limits of liability, Open house coverage, Lock-box coverage to full policy limits, Environmental hazards to full policy limits, Discrimination defense to full policy limits, Subpoena assistance coverage, Public relations & crisis event coverage, Security incident coverage, A.M. best “A” rated carrier, Open house to full policy limits, Property management owned by an insured up to 100%.

Utica National – Religious Institutions

Typically, we think of religious institutions as safe havens untouchable by fire, crime or legal claims. But these days, little seems sacred anymore. With Utica National’s program for religious institutions, your clients will be protected against losses.  Program highlights include Commercial Property and General Liability coverage as well as Stained Glass, Clergy Person Legal Liability, Directors & Officers Professional Liability, Sexual Misconduct/Molestation Liability and more.

Grange – Restaurants

Liberty Mutual Business Insurance – Restaurants

Liberty Mutual’s appetite includes Casual dining and Fine dining.

Merchants – Restaurant

This program is targeted to mid-sized, well-established family-style or fine-dining restaurants with limited liquor receipts.

Travelers – Restaurants

This product is available to full-service restaurants including Family style, Upscale casual, and Fine dining.

QBE Americas – Restaurants

QBE’s appetite include Casual dining and Fine dining.

CNA – Retailers

Target markets include auto parts stores; bicycle stores; book stores; card, stationery and office supplies stores; craft, hobby and artist supplies stores; florists; hardware stores; housewares stores; medical, hospital and surgical supply stores; painting and picture frame stores; shoes stores; and sporting goods stores

Grange – Retailers

Liberty Mutual Business Insurance – Retailers

Target markets include apparel and accessories; camera and photo supplies; candy, nut and confectionary; dairy stores; department stores; fruit and vegetable markets; gift, novelty, and souvenir shops; grocery; hobby, toy and game shops; luggage and leather goods; meat and fish markets; misc. retail stores; shoes; stationery; and women’s and men’s clothing

Merchants – Retailers

Product designed for retail establishments such as Pet stores, Shoe stores, Hardware stores, Retail businesses that install their products, such as carpet or flooring.

Travelers – Retailers

Small business retailers primarily engaged in brick-and-mortar commerce.
Mid-sized business retailers include building products and hardware stores; department, variety and grocery stores; family specialty; furniture; and clothing.

QBE Americas – Retailers

Target markets include book stores; camera and photographic supply stores; catalog and mail-order houses; computer and software stores; drug stores and proprietary stores; florists; furniture and home furnishings; hobby, toy and game shops; jewelry; liquefied petroleum gas dealers; luggage and leather goods; musical instruments; new dealers and newsstands; optical goods; radio, television and electronics; record and pre-recorded tape stores; sewing, needlework and piece goods; sporting goods and bicycle shops; and stationery.


CNA – Business Services

Small business target markets include associations; not for profits; carpet, rug and upholstery cleaning; caterers; charitable foundations; commercial art and graphic design; lithographing; museums and art galleries; pet groomers; and printers and publishers.

Liberty Mutual Business Insurance – Service

Target markets include accounting; management services; barbers and beauty shops; building maintenance; commercial and graphic arts; computer maintenance and services; photocopying and photofinishing; printing and publishing; and repair services.

Merchants – Service

Product designed for services such as day spas, nail salons, pet groomers, funeral homes and auto repair and collision repair.

Travelers – Service

Target markets include businesses providing personal consumer services, businesses repairing light consumer goods, businesses engaged in printing, as well as independently operated or franchised automotive service and repair businesses.

QBE Americas – Service

Target markets include auto; broadcast; communication, TV, radio, and cable; dental; electric; information and technology; insurance agents, brokers and services; medical; professional services; repair; and travel agents.

Great American Specialty Human Services – Social Services

Target markets include Animal related, Arts & cultural, Clubs, Community services, Education & daycare, Family services & counseling, Food distribution & thrift stores, Foundations & grant-making, Housing & shelters, Recreation & sports, Religious, and Youth Services.

Liberty SuretyFirst

Liberty SuretyFirst is a contract, commercial and fidelity bond operation that specializes in writing bonds for small- to mid-sized businesses.

Travelers – Surety Bonds

Travelers provides surety bonds for Bid, performance & payment, Construction materials supply, Court bonds (judicial, fiduciary & probate), Depository bonds, ERISA fidelity, Licenses and permits, Lost instrument, Miscellaneous, Notary, Public officials, Release of lien, and Utilities.


Chubb – Technology

Target markets include data processing operations, broadcasters, electronic computers and connectors, peripherals and semiconductor, health care information technology, software developers, value-added re-sellers, federal government contractors, networking components and equipment man., wireless service providers, internet service providers, data and call centers, application service providers, network security software and equipment.

Chubb’s Clean Technology includes Renewable energy, Control & storage technologies, and Resource optimization.

CNA – Technology

CNA offers coverage to meet the needs of Software & IT services, Electronics manufacturers, Communications companies, and Media companies.

Travelers – Technology

Travelers offers insurance solutions for Telecommunications, Information technology, Medical technology, Electronics manufacturing, and Clean energy & technology.

QBE Americas – Technology

Target markets include Broadcast, Communication, TV, radio & cable, and Information & technology.


Great American – Vacant Property

Coverage is written on a non-admitted basis with a variety of coverage options and competitive pricing. Partially occupied buildings (less than 31% occupied) can be considered.

Utica National – Volunteer Fire Department

Utica National has provided specialized protection for volunteer firefighters for over 20 years. They understand your clients’ needs and share in their mission; they are able – and eager – to extend extraordinary support to your clients’ volunteer fire department. Specialized coverages include Broad Property Protection for your Building and Equipment, along with Vital Liability Protection. Coverage can also be extended to Ambulance and Rescue Squads, and is a great option for small towns and villages without a master municipality policy.


CNA Warranty – Maintenance Value Plan (MVP)

MVP is a division of Global Risk Services Ltd., which provides equipment maintenance service contracts to a wide array of businesses, including healthcare, banking, plant-facilities management and others. MVP functions as a program manager. Coverage is designed for laboratory, diagnostic imaging, radiation oncology, HVAC, boilers, generators, surgical and office equipment.

Chubb – Wholesalers

Chubb offers insurance solutions for wholesalers.

CNA – Wholesale Distribution

Small business target markets include Auto parts, Industrial supplies, Janitorial supplies, Plumbing fixture & supplies.

Grange – Wholesalers

Liberty Mutual Business Insurance – Wholesalers

Target markets include auto parts (non-critical); beer and ale; books, periodicals and newspapers; brick, stone and related Products; commercial equipment; electrical apparatus, appliance, parts and hardware; industrial supplies; office equipment; plumbing and heating supplies; and refrigeration equipment supplies.

Merchants – Wholesalers

Travelers – Wholesalers & Distributors

Target markets include Home furnishings, Office equipment and supplies, Industrial supplies, Plumbing and heating equipment, Apparel, and Food.

QBE Americas – Wholesalers

Target markets include automobiles and other motor vehicles; books, periodicals and newspapers; brick, stone and related Materials; computers, peripherals and software; confectionary; electrical apparatus and equipment; electrical appliances, television and radio; flowers and florists supplies; grain and field beans; hardware and industrial supplies; home furnishings; medical and hospital equipment; metals service centers and offices; motor vehicle supplies, new and used parts; office equipment; photographic equipment and supplies; printing and writing paper; refrigeration equipment and supplies; stationery and office supplies; transportation equipment and supplies; and warm air heat and air conditioning.

Chubb – Workers’ Compensation

Chubb is among the top 15 workers’ compensation underwriters in the United States and is a preferred carrier for companies that value a coordinated approach to insurance.

CNA – Workers’ Compensation

Travelers – Workers’ Compensation

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PLEASE NOTE: All accounts are subject to underwriting guidelines. Availability may vary by state/territory.