2020 Products Guide
USGInsurance Services, Inc.
Our Family of Companies
Alex Tessem Producer/Broker: Commercial Lines
USG Insurance Services, Inc. 550 Main Street, Suite 270 New Brighton, MN 55112
t: 800.886.3897 d: 651.234.1916 f: 844.874.4290 c: 763.257.6929
e: [email protected] www.usgins.com
CA License #0I48788
21 Offices Across the Country
One of the
TOP 20Wholesalers
Founded
January 1st, 2001
Contact Me to Get Started Today
FA M I LYOwned &Operated
State-of-the-ArtProprietary Technology
Get Your Quotes and Account Updates Faster
Over 260Carriers
Binding Authority with 18 Carriers
Specialty DivisionsEnvironmental
Oil & GasGarage
TransportationWorkers Compensation
Surety BondsPersonal Lines
We Write in Every State
Hard-to-PlaceCommercial
Accounts
ProgramsAuto Haulers
Commercial Storage TanksEducational Institutions
Religious Institutions
Casualty
2020 Products Guide
Admitted & Non-Admitted Providers
Can Consider Accounts with Claims Frequency/High Losses
Primary & Excess Casualty
Virtually Any Classification
Emerging Risks
PropertyAny Capacity–Large Schedules
Coastal Locations
HPR/Non HPR
Multi-State Schedules
Primary & Excess Layers
Vacant Properties
Products LiabilityDiscontinued Operations
Domestic & Foreign
Product Recall
Reverse Flow
Hard to Place including:
• Chemicals
• Food/Pharmaceutical
• Medical
• Toys/Sporting Gear
ProfessionalArchitects & Engineers
Cyber Liability/Data Breach
Directors & Officers
Errors & Omissions
EPLI
Lawyers Professional
Medical Mal/Allied Med
Misc. Professional
PackagesLarge Complex Accounts
Layering for Higher Limits
Custom Programs and Packages
Consulting on Risk Management Solutions/Portals
Liquor LiabilityCan Include Assault & Battery
Monoline or Packages with Liquor
AviationAirport/Heliport Liability
Flight Schools
Pleasure Business Aircraft
UAV/Drones
Inland Marine
Excess & Umbrella
Animal Mortality
Builders Risk
Contractors Equipment
Dealers Open Lot
Equipment Schedules
Fine Art Floaters
Any Limit/Attachment Point
Excess Casualty, Liquor, Professional, Property, Auto, Comp
Layering/High Limits
Garage Keepers Legal Liability
Jewelers Block
Motor Truck Cargo
Pawnbrokers
Riggers Liability
Warehousemen’s Legal
Active Assailant
Cannabis
Cyber Liability/Data Breach
USG is always finding new ways to service your emerging risk accounts. Visit our website to learn about the latest products we have available.
Drones
E-Cigarette/Vape Stores
Farm & Ranch
EnvironmentalAsbestos & Mold
Contractors Pollution Liability
Manufacturers & Distributors
Oil & Gas
Restoration Contractors
Site Specific Pollution
Storage Tanks: AST’s/UST’s
Ocean MarineBoat Dealers
Charterers Legal Liability
Hull
Marinas
Ocean Cargo
P&I
Piers & Docks
Risk
Ship Repairers/Manufacturers
Spill Responders
Vessel Pollution & Builders
Wharfingers Legal Liability
Transportation
Auto Liability
Hired/Non-Owned Auto
Motor Truck Cargo
(varies by state)
Physical Damage
Scheduled Auto
Truckers Liability
SpecialtiesContractors
Habitational
Hospitality
Architects & Engineers
Artisan Contractors
Commercial/Residential GC’s
Crane Operation/Rental
Apartments/Condos
Dwellings
HOA’s/Condo Associations
Bars/Taverns
Convenience Stores
Gentlemen’s Clubs
Restoration Contractors
Roofers
Sprinkler Contractors
Wrap-Up’s/Re-Wraps
Rental Properties
Student Housing
Subsidized Housing
Hotels/Motels
Nightclubs
Restaurants
Fine Arts/Equipment
Haunted Houses
Liquor Liability
Special Events
GarageDealers/Non-Dealers
Dealers Open Lot
Garagekeepers Legal Liability
Garage Liability
Parking Garages/Lots
Repair/Service Stations
Towing
Valet Services
On or Off Premises
Temporary Workers
Volunteers
Manufacturers/DistributorsAuto Parts
Chemicals
Cosmetics/Spa
Food/Beverage
Hazardous Products
Importers/Exporters
Industrial
Medical Equipment
Nutraceutical/Herbal
Parts/Machinery
Plastics/Metals
Sporting Goods/Equipment
Toys/Child Clothing
MGA Markets (varies by state)AmTrust
ARCH
Atlantic Casualty
Century Surety
General Star
Guard
Hallmark (TGA)
IAT: Acceptance/Wilshire
IFG/Burlington
Lloyd’s
Markel
MunichRe
National General
Northfield
United Fire Group
USLI
Westchester, A Chubb Company
Western World
Medical/HealthcareAssisted Living Facilities
Correctional Care
Counseling/Psychologists
Emergency & Non-Emergency
Hospitals/Clinics
Imaging Centers
Medical Equipment
Medical Malpractice
Pharmaceutical Products
Pharmacists/Pharmacies
Residential Care Specialists
Transportation
Earthquake
Flood: Primary & Excess
Subsidence
DIC/FloodWind Deductible Buyback
Wind: Primary
Engineers & Consultants
Exploration & Production
Fuel Haulers/Distributors
Fuel Refineries/Oil Riggs
Energy/Oil & GasGas Stations
Oil Jobbers
Transportation
Utility Companies
Allied MedicalTargeted Classes Include:
Features:
• AIDSFoundation&Organizations• Alternative&ComplementaryMedicine
• Ambulance:Air,Ground,PatientTransport
• BehavioralHealth• BloodBanks• ClinicalLaboratories• ClinicalTrials/ResearchOrganizations
• ContractResearchOrganizations• CordBlood&StemCellBanking• Correctional/PrisonMedicine• Counseling/PsychologicalServices
• DevelopmentallyDisabledGroup Homes
• DiagnosticLaboratories• Dialysis/Hemodialysis/Nephrology• Drug/AlcoholAbuseRehabilitation• DrugTesting
Coverages:• Casualty• Property• MedicalMalpractice• EPLI• Umbrella/Excess
• AdmittedandNon-AdmittedCarriers• WritinginAllStates• PrimaryandExcessCoverageAvailable
www.usgins.com
• HealthcareStaffing• HomeHealth• Hospice(Inpatient&Outpatient)• HumanitarianMedicalRelief• “MASH”Units• Medi-spas• Neutriceutical/NutritionalProducts&Supplements
• OccupationalHealthcare• OrganProcurement• PathologyLaboratories• PsychiatricFacilities(Inpatient&Outpatient)• PublicHealthcareServices• Radiation/Oncology• ReferenceLaboratories• RehabilitationFacilities(Inpatient&Outpatient)
• Research&Foundations• SleepDisorder&ApneaClinics• SocialServiceAgencies• TissueBankProcurement&Processing
Energy, Oil & Gas, and Mining
Coverages Available:
Features:
Targeted Classes Include:
• GeneralLiability• Property• Auto• Contractors’Equipment• InlandMarine• OceanMarine
• $1000MinimumPremium• Occurence&ClaimsMade
AnchorSettingandCementingCalibration/ReadingCleaningorSwabbingCoal,Gems,Stone,Rock,&GravelMiningEngineersandConsultantsEquipmentRentals/SalesExploration&ProductionHazmatTransportationLeaseOperatorsofWellsLeaseWorkConstruction&RoustaboutOperationsManufacturers&DistributorsOilorGasWellInstrumentLogging
www.usgins.com
OilorGasWellPerforatingOil/GasRigorDerrickErectingorDismantling
OnshoreEngineering/ConstructionPipelineConstruction/DealersPowerGenerationPumpjackRepair/ServicingSitePreparationUndergroundResources/EquipmentUtilityCompaniesWelders,Pumpers,andTendersWellDrillers/Servicing
• Pollution/Environmental• UST‘s/AST’s• “Wet”Endorsements:“InRem,”GulfofMexico,&Non-OwnedWatercraft
• Workers’Compensation• Umbrella
• PrimaryLimitsupto$5Million• ExcessLimitsareVirtuallyUnlimited
Manufacturers/Distributors
Targeted Classes Include:
Features:
Available Coverages:
• AutomotiveParts• Chemicals• Children’sToys• Clothing• Cosmetics• Food&Consumables
• ProductsLiability• ProductRecall• DiscontinuedOperations• ReverseFlow• ExcessProductLiability• Casualty:Primary&Excess• Property
• WorkersCompensation• Professional:E&O,D&O,andEPLI• FoodBornIllnesses• TradeName• ContaminatedProducts:ACI,MPT,andProductExtortion
• Cross-Border
• Domestic&ForeignProducts• Start-ups,NewVenture,orClinicalTrial/TestEnvironment• A.M.BestARatedCarriers• InternationalExposuresIncluding:
» SaleofProductsWhereForeignSuitsMayOccur» GoodsinTransittoorfromOtherCountries» Rental/OwnershipofAutomobilesAbroad» TradeFairsandExhibitions,IncludingTravelwithSamples» Offices,Service/RepairorManufacturingFacilitiesAbroad» ForeignVoluntaryWorkersCompensation» Kidnap/RansomInsurance
www.usgins.com
• MedicalDevices• Nutraceutical• PetProducts• Pharmaceutical• SportingGoods• Suppliers&Components
Specializing in hard-to-place products, domestic and foreign.
Drone Insurance Solutions
Coverages Available:
Targeted Classes Include:
• Casualty• Property• Product Liability
• Remotely or Autonomously Piloted• Aerial Filming & Videography• Construction • Property Inspections & Real Estate• Line Inspections • Agricultural Applications• Aerial Commercial Photography • Crop Dusting• Border Surveillance• Pipe/Power Line Surveillance• Suspect Tracking• Monitoring• Communications/Broadcast• Disaster Response/Relief• Movie Production• Damage Assessment
www.usgins.com
• Aerial News Coverage• Atmospheric/Weather Research• Mail/Freight Transport• Critical Infrastructure Monitoring• Flood Mapping• Damage Surveying• Real Estate Mapping• Mining• Sporting Events Coverage• Wildlife Monitoring• Investigations• Building Envelope Investigations• Locating Individuals• Fire & Explosion Investigations• Underwriting Surveys
• Inland Marine• Personal & Advertising Injury
Features:• Writing in all states• Minimum Premiums Starting at $1,250• Limits up to $1,000,000• Terms & Conditions Can Be Customized
Based on Client Needs
• Optional Coverage for Hijacking or any Unlawful Seizure or Wrongful Exercise of Control by Means of
• Non-Pilot & On-Ground Crew Members Can Be Listed as Insureds
Asbestos & Mold
Contractors Pollution Liability
Manufacturers & Distributors
• Chemical Products
• Paints and Coatings
• Oils and Lubricants
Oil & Gas• Coal, Gems, Stone, Rock, &
Gravel Mining
• Hazmat Transportation
• Site Preparation
Restoration Contractors• Emergency Response
Contractor
Environmental
Personal LinesBoat & Yacht
• Captain & Crew Liability
• High Speed/Performance Boats
Classic/Collector/Exotic Vehicle• Antique & Classic Cars
• Antique Trailers
• Classic Military Vehicles
• Spare Parts Coverage
Earthquake• Can Cover Swimming Pools,
Hot Tubs
• Can Cover Chimneys
• Older, Unbolted Homes
Flood• Residential Properties
2020 Products Guide
Workers CompHazardous Comp
• Street/Tank Cleaning
• Garbage Collection
• Rigging
Large Workers Comp
Staffing Workers Comp
Standard Comp
• Artisan Contractors
• Attorneys
• Tug Boats
USL&H
• Master & Crew
• Supply Boats
• Tug Boats
Surety BondsCourt Bonds
• Attachment and Release
• Injunction
Fidelity
• Commercial Crimes
• Business Services
Financial Guarantee
• Sales Taxes
• Lotteries/Game of Chance
Licenses & Permit
• Auto Dealers
• Mortgage Brokers
Public Office
• Notaries
• Tax Collectors
Miscellaneous
• Patient Fraud
• Immigration Consultant
Divisions• Renovations/Remodeling
• Fire Damage Restoration
• Water Damage Restoration
Site Specific Pollution
Storage Tanks: AST’s/UST’s
• Airports
• Auto Dealerships
• Manufacturing Plants
• Petroleum & Motor Fuel Distribution Facilities
• High Value Homes
• Apartments
• Condos
• Single Family Homes
• 1-4 Rental Units
High Value Homeowners• Rental Units
• Coastal
• Vacant Homes
Home Based Business• Accounting and Paralegal
• Advertising/PR Agencies
• Bakeries
• Barber Beautician
• Bookkeeping Service
• Candle Sales
• Coaching Service
• Computer Repair and Sales
• Crafts
• Florists
• Graphic Artist/Designer
• Interior Decorating
• Personal Fitness Trainer
• Photographers
• Real Estate Agent
• Tax Preparer
• Teachers/Tutors
• Wedding/Party Planner
• Writer/Author
Homeowners/Dwelling Fire• Older Homes over 99 Years
• Homes with Prior Losses
• Homes in Protection 10
• Homes in Brush/Fire Hazard Areas
Personal Umbrella• Insurance Liability
• Volunteer Activities
• Rental or Vacation Properties
Vacant Homes• 2 Million in House Capacity
• Virtually Unlimited Brokerage Capacity
• Residential Properties
USG has the pen for several exclusive or limited programs that include the following:
National Programs
USG can also build custom programs and portals for retail agents or associations for homogeneous classes of business, the procedure for initial consideration of a program is a simple two page questionnaire.
Custom Programs
Auto Haulers Commercial Storage Tanks Educational Institutions Religious Institutions
www.aauins.com
Educational Institutions Program
Coverages Available:
Features:
Targeted Classes Include:
• Casualty• Property• BusinessPersonalProperty• PropertyIn-Transit• EquipmentBreakdown• BuildersRisk• Hired&Non-OwnedAuto• SexualMisconduct• EducatorsLegalLiability• CounselingLiability• DirectorsandOfficersLiability
• NoMinimumPremiumsorMaximumPopertyLimits• LimitsUpTo$1,000,000/$5,000,000• SexualMisconductLegalFeesOutsideoftheLimit
• Preschools• Daycares• EarlyChildhood• Before/AfterSchoolPrograms• SummerPrograms• PublicUniversities• Seminaries• SpecialEducationInstitutions
• EmploymentPracticesLiability• DataBreach/CyberLiability• Crime/Fidelity• ViolentIncidents• MedicalPayments• InlandMarine• AppurtenantStructures• PollutionClean-Up• Flood• WorkersCompensation• Umbrella/Excess
• ClericalSchools• BibleSchools• CharterSchools• LanguageSchools• HeadStartCenters• AlumniAssociations• LeadershipDevelopment• Scholarship/FinancialAidFundRaising
We are pleased to announce our “A” rated admitted program is available in all states, except for IN, TX, FL, and LA.*
AAU is a division of USG Insurance Services, Inc.
NEW Commercial Storage Tanks Program
Coverages Available:
Features:
Targeted Classes Include:
• Pollution/Environmental• USTs/ASTsPhysicalDamage• Clean-UporCorrectiveActionCosts• RemediationCosts• Casualty
• MinimumPremiumsStartingat$350• LimitsUpto$5,000,000,EqualDefenseLimitsSeparate• DeductiblesStartingat$5,000• CombinedUST/ASTPolicyAvaliablewithDedicatedLimits• AdmittedinMostStates• 10YearRetroactiveDateAvailable(MAPolicyInception:FL2010)• Tanksupto30YearsOldCommericalUseOnly,NoPersonalTanks• OlderTanksmaybeConsideredwithAdditionalUnderwriting
• Airports• AutoDealerships• Commercial/IndustrialFacilities• ConvenienceStores• Garages/RepairShops• Hospitals/MedicalFacilities• GeneratorswithTankSupport
• Property• Third-PartyBodilyInjury&PropertyDamage• BusinessInterruption• DefenseCoverage• NationalResourceDamage
• ManufacturingPlants• Municipalities• Petroleum&MotorFuelDistribution• Schools,Colleges,Universities• Gas&ServiceStations• Marinas
www.aauins.com
Including above and underground storage tanks, with an A++ rated carrier.
AAU is a division of USG Insurance Services, Inc.
NEW Churches and Religious Institutions Program
Coverages Available:• Casualty• Property• BuildersRisk• BusinessAutoincluding15-PassengerVansandBuses
• Hired&Non-OwnedAuto• SexualMisconduct• Crime• MedicalforDaycare&SchoolStudents• PastoralCounselingLiability• CorporalPunishment• Directors&OfficersLiability• Minister’sPersonalProperty/BusinessPersonalPropertyIncludingPropertyofOthers
• PropertyOffPremises&InTransit• SpiritualCounseling
Features:
www.aauins.com
Targeted Classes Include:Broad range of religious institutions are eligible, including affiliated ministries and activites:
• Churches,Synagogues,Temples,Convents, Monasteries,andOtherHousesofWorship• DwellingsOwnedbytheChurch• Start-UpsWithoutPriorCoverage• BuildingsontheHistoricalRegister
We are pleased to announce our “A” rated admitted program available in all states, except for TX, FL, and LA.*
• NoMinimumPremiumsorMaximumPropertyLimits
• Casualtylimitsupto$1,000,000/$5,000,000• SexualMisconductLegalFeesOutsidetheLimit
• Convenienceofplacingallcoverageswithonecarrier
• EmploymentPracticesLiability• EmployeeBenefitsLiability• CyberLiability• BusinessIncome&ExtraExpense• EquipmentBreakdown• InlandMarine• FineArts• AppurtenantBuildings• BuildingOrdinanceorLaw• AccountsReceivable• ValuablePapers• KeyPersonReplacement• Flood• WorkersCompensation• Umbrella/Excess
• Athletic&SportsActivites Camps,Retreats,Childcare,Cowboy Churches,ReligiousShrines,SchoolOperations
• DenominationHeadquarters,Association Offices,andReligiousOrganizations
• Value-AddedServicesforinsuredssuchasemployee/volunteerbackgroundscreeningdiscounts,solutionsforgrouptravel,specializedchurchconstructionservices,churchproductdiscounts,andriskmanagementresources.
AAU is a division of USG Insurance Services, Inc.AAU is a division of USG Insurance Services, Inc. www.aauins.com
Auto Haulers Program
Coverages Available:
• AutoPhysicalDamage
• Cargo
Program Highlights:
• AvailableinAllStates
• DeductiblesStartingat$2,500
• CanConsiderNewVentures
• Upto$500,000inCargoLimitsPerUnit
• NewCarValuationEndorsementIncludesWordingthatComplieswithMostMajorU.S.AutoShippers
This is an exclusive program targeting Truckers Hauling Autos for Hire (New + Used Autos). It is for truckers going to auctions from dealerships, vice versa, & from manufacturer to dealership.
Agency Name
Agency Website
Phone Number
INS LINK: Web Portal
Online QuotingFlood Program: Get instant quotes from up to 5 markets for primary, secondary, or tenant occupied single family residences or commercial structures. This program is available in 32 states and expanding!
Westchester: Quote hundreds of A++ Specialty Commercial Products, Liquor and Professional/Management Liability classifications. Products are available in most states. Retail agents with an INS LINK username and password are automatically enrolled to use this system.
USLI: This system provides online quoting for over 30 classes of business and is available in all states except for Louisiana and West Virginia. Retail agents that sign up for a username and password with USG are automatically enrolled to quote online with this system.
Hiscox Now: Quote 100+ professions in minutes. Monoline Professional, Casualty, and Package coverage for small businesses (up to $5M in revenue) available in all states except Alaska. Retail agents with an INS LINK username and password are automatically enrolled to use this system.
AUGold: This online platform provides indications for Vacant Property, Builder’s Renovation, Course of Construction, Vacant Land, Special Events, and more in select states. Pre-approval is required to begin using this platform; if you would like to apply for an appointment, please contact [email protected].
Other ServicesOur new INS LINK Customer Site features several new agent tools including:
Personalized Widgets and Home PageUpon login, your agency name will appear, as well as a chart of your quotes, bound accounts, upcoming renewals, and your USG team. You will be able to customize your home page and create shortcuts to your favorite content.
Available Now• Accounting: View invoices and make payments.• My Submissions: View your submission list with
updates on the status of your accounts, quote details, upload additional information and more. You can also clear business directly to your USG Producer/Broker.
• User Profile: Change your personal information or administrators can update agency users.
• Applications: View, print, download, or e-mail applications.
• Marketing: Create co-branded pieces.
Coming Soon• Expanded Online Quoting: USG Trading Floor and
Easy Rater.• My Submissions: Complete property summaries.• Policy Maintenance: Issue certificates, download
policies, request loss runs, and more.• Resources: Access our glossary, E&S filings/State
affidavits, and templates.• Training: INS LINK training videos, Intro to E&S,
request/sign up for webinars and CE.
www.usginslink.com
Hit List: National Brokerage
Land Bank and Development Authority
Vacant Building
Food Wholesale Distributor For Gas Stations
Economic Development Agency
Motor Freight Transportation
Roller Skating Rink Operation
Oilfield Trucker
Oil & Gas Tool Manufacturer
Distributor of Household and Vehicle Items
Apartment Building
Medical Credential Verification Organization
Public Safety Office
Resort & Spa
Architectural Engineering
Class III Short-Line Railroad
Caterer
Roofing Contractor
Manuf/Dist of Sports Team Equipment
Personal Jet and Helicopter
Transport Company
Plumbing and Heating Contractors
Dialysis Center
Convenience Food Stores w/Gas Sales
Valet Parking
Gardening Products Retailer
Personal Care Facility
On-Site Auto Prevent and Re-active Maint Service
Framing Contractor
Family Owned Commercial Tree Service
Electronic Cigarette Distributor
Water Waste Management
Real Estate Investment & Management Group
For Profit Directors & Officers
Property
Excess Liability
Contractors Pollution Liability
Excess Auto Liability
Package
Excess Liability
Property
Casualty
Casualty
EPLI
Casualty
Property: All Risks
Architects & Engineers
Excess Liability
Umbrella
Casualty
Casualty & Excess Liability
Aviation
Auto Liability
Casualty
Professional
Package Including Liquor
Garage Liability
Casualty
Package
Auto Liability
Casualty
Workers Compensation
Casualty
Environmental
Casualty
IL
MD
MD
LA
IL
MN
OK
TX
NY
NY
CA
IL
CA
OR
TX
LA
TX
PA
TX
PA
NY
WV
Multistate
FL
CA
WV
TX
WA
CA
CO
OH
NY
$5,750
$32,500
$10,073
$10,793
$25,000
$13,490
$15,000
$24,783
$11,756
$30,673
$7,936
$46,800
$190,000
$111,510
$149,590
$163,501
$201,250
$179,200
$67,661
$190,664
$175,000
$212,907
$225,937
$18,940
$281,982
$285,179
$300,707
$10,048
$4,709,670
$16,200
$229,601
$555 ,478
Description Coverage State Premium
Meet Our Family of Companies
USG Insurance Services, Inc. is a national wholesaler providing solutions for all lines of commercial coverage. USG works with over 260 “A” rated Admitted and Non-Admitted brokerage markets and is an MGA for 18 of the top carriers.
BFS Inspection Services provides commercial P & C inspection, audit, and risk management services to carriers, wholesalers/MGA’s, program managers/MGU’s and other insurance industry customers. We offer customizable solutions unique for your needs to create a complete underwriting picture, including platforms and reports.
Into Innovations is a full service marketing and advertising firm that works exclusively with intangible products, specializing in insurance and financial services.
Allied American Underwriters (AAU) is a program manager that offers programs for commercial lines to USG retail agents and other distribution channels i.e.: wholesale and direct. There are five divisions: Environmental, Personal Lines, Programs, Surety Bonds, and Workers Compensation.
Brokers Financial Services, Inc. (BFS) provides commercial insurance premium financing for both USG agents and non-USG agents.
USG Insurance Services, Inc.
BFS Inspection Services, Inc. Into Innovations
AAU Insurance Services Brokers Financial Serviceswww.usgins.com
www.bfsinspectionservices.com www.intoinnovations.com
www.aauins.com www.brokfinsvc.com
Aureatewww.aureatetech.com
Aureate Technology Solutions is an information technology company providing software solutions and expertise to businesses who face operational and management challenges. We work with businesses in various industries to assist with software systems, integrations, and more.
Our Family of Companies
USG Marketing Team
1000 Town Center Way, Suite 300 • Canonsburg, PA 15317800.886.3897 | 724.754.9100 | www.usgins.com
CA License #0I48788
Providing Innovative Solutions