Check out the latest list of difficult risks handcrafted by WSS Senior Broker Wendy Clinton. Make sure to drop her a line if you have any questions....
DIC
Dwelling
- Limits $1,800,000 10% ded
- Ratings Basis 2005 Wood Frame
- Premium $1,800
Car Dealership
- Limits $10,000,000 15% ded
- Ratings Basis 2006 Block
- Premium $25,798
HOA
- Limits $12,167,000 20% ded
- Ratings Basis 1991 Wood Frame
- Premium $12,656
Office
- Limits $10,000,000 10% ded
- Ratings Basis 1960 Tilt Up
- Premium $35,000
AUTO LIABILITY
Non Medical Transport
- Limits $1,500,000 CSL
- Ratings Basis 1 Mini Van
- Premium $10,703
General Contractor
- Limits $1,000,000 Liab
- Ratings Basis 1 Vehicle
- Premium $1,671
Light Décor
- Limits $1,000,000 Liab
- Ratings Basis 7 Vehicles
- Premium $8,073
BUILDER’S RISK
Commercial Building
- Limits $5,000,000
- Ratings Basis Joisted Masonry
- Premium $5,900
3 Story Dwelling
- Limits $4,300,000
- Ratings Basis Frame
- Premium $9,245
COMMERCIAL GL/PRODUCTS
Spinal Implants
- Limits $5,000,000 CM
- Ratings Basis $4,500,000 GR
- Premium $30,000
Refurbish Cryogenic Tanks
- Limits $3,000,000
- Ratings Basis $1,400,000 GR
- Premium $16,845
Plumbing Contractor
- Limits $2MM/1MM
- Ratings Basis $123,600 Payroll
- Premium $9,077
Electronic Instrument Mfg
- Limits $2MM/1MM
- Ratings Basis $9,700,000 Sales
- Premium $17,445
Bar
- Limits $2MM/1MM; 1M Liq w/A&B
- Ratings Basis $2,504,000 GR
- Premium $61,711
PACKAGE
10 Unit Apartment
- Limits $890,000TIV/$2MM/1MM
- Ratings Basis 10 Units
- Premium $2,528
Banquet Hall
- Limits $1,500,000TIV/$2MM/1MM
- Ratings Basis $800,000 Sales
- Premium $19,271
Bar & Grill
- Limits $2/1 GL; $1M Liq/ $250,000 TIV
- Ratings Basis $450,000 GR
- Premium $7,893
PROFESSIONAL
Research & Development
- Limits $2,000,000 PL/GL
- Ratings Basis $2,500,000 GR
- Premium $10,000
Interior Design
- Limits $1MM/2MM
- Ratings Basis $950,000 Sales
- Premium $3,570
Real Estate Services
- Limits $1MM/1MM
- Ratings Basis $100,000 GR
- Premium $2,500
Physician
- Limits $1MM/3MM
- Ratings Basis $500,000 GR
- Premium $30,000
PROPERTY
Bar
- Limits $5,000,000 CM
- Ratings Basis $4,500,000 GR
- Premium $30,000
LRO
- Limits $3,000,000
- Ratings Basis $1,400,000 GR
- Premium $16,845
Vacant Commercial Building
- Limits $2,160,000 TIV
- Ratings Basis Frame/6,935 sq. ft.
- Premium $16,120
EXCESS LIABILITY
Contractor
- Limits $9,000,000
- Ratings Basis XS GL, AL, EL
- Premium $80,480
Mfg Blinds
- Limits $1,000,000
- Ratings Basis XS GL, AL, EL
- Premium $6,019
Labor Union Office
- Limits $1,000,000
- Ratings Basis XS GL
- Premium $1,000
GARAGE
Auto Repair & Custom Work
- Limits $1MM Liab/$300,000 GKLL
- Ratings Basis $26,000 PR
- Premium $5,756
RV Service/Repair
- Limits $1MM Liab/$150,000 GKLL
- Ratings Basis $7,800 PR
- Premium $4,928
Mobile Mechanic
- Limits $1MM Liab
- Ratings Basis $7,800 PR
- Premium $2,000
D&O/EPLI
Fire Protection Service/Sales
- Limits $1,000,000; $15,000 Retention
- Ratings Basis 30 Employees
- Premium $7,210
Grocery Store
- Limits $1,000,000; $15,000 Retention
- Ratings Basis 16 Employees
- Premium $4,547
ENVIRONMENTAL
Water Analyses
- Limits $2M/2MGL/$2MProf/$2MCPL
- Ratings Basis $559,821 GR
- Premium $5,462
Storage Tanks/Gas Station
- Limits $1M/$3M
- Ratings Basis 3 Tanks
- Premium $5,363
For difficult risk...