Insurance coverage is written in a wide variety of different ways. Many times, specially designed programs have been created for specific industries. Although not as common as standard policies, these programs can many times provide superior protection at lower cost.

ALS 67 Form
This specialized form is designed to provide comprehensive coverage for materials, equipment and property as defined in the policy. It differs from traditional Property insurance by covering several additional items for broader perils than are normally found in standard policies. Some of the more important features provided by this form include optional earthquake and flood coverages, protection for property while in transit and protection for property of others. Back to top

ALS 72 Form
This specialized form is designed to provide comprehensive coverage for materials, equipment and property as defined in the policy. It differs from traditional Property insurance by covering several additional types of property for broader coverage that are excluded in standard forms. Some of the more important features provided by this form include optional earthquake and flood coverages, protection for property while in transit and protection for property of others. Back to top

Blanket Insurance
This coverage allows for a single limit of insurance to apply to two or more property items at one location, or to two or more kinds of property at several locations, instead of a specific amount applying to a specific subject of insurance. It allows you to shift property values with no impairment of recovery, as long as the total amount of insurance carried complies with the coinsurance requirement stated in the policy. Back to top

Bumbershoot Liability Insurance
This policy is an Excess Liability form that incorporates protection for both marine and non-marine exposures including Protection and Indemnity, General Average, Collision Liability, Salvage, Salvage Charges, Sue and Labor, as well as standard General Liability coverage. Back to top

Businessowners (BP0001, 02)
This policy insures real and personal property, time element and liability coverages in one contract. Endorsements can be added to the basic form to customize it for your particular needs. Back to top

Composite Rating Plan
This plan is used to rate your automobiles and/or general liability exposures on a composite basis. Its use will generally result in:

(1) Premium savings
(2) Enhanced ability to allocate insurance costs to appropriate departments
(3) A simplified rating basis for use in forecasting current and future costs.
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Computer Crime Policy
This policy is used to protect against loss resulting from the theft of money, securities or other property by non-employees, as well as loss resulting from the vandalism or theft of information from your computer files. Back to top

Condominium Commercial Unit-Owners Coverage Form (CP0418)
This policy is designed to dovetail with a Condominium Association's policy by providing unit owners with coverage for their business personal property which is not insured under the Association's policy. Back to top

Condominium Policy (CP0017, BP1701)
A Condominium Policy is a specialized insurance contract designed to meet the unique needs of condominium associations. It basically addresses the relationship between the association and its individual unit owners in its coverage provisions which standard insurance policies do not always contemplate. Back to top

Difference In Conditions (DIC)
This insurance contract is used to make up for exclusions, coverage gaps, or uninsured perils not covered by your basic policy. Back to top

Extended BFPD Policy
This coverage is used to provide very broad property damage liability protection by modifying several of the exclusions found in most standard General Liability policies. Exclusions dealing with care, custody and control, workmanship, and defective product can be modified or eliminated altogether to provide broader coverage for your operations. Back to top

Farm CGL Used
This endorsement is used to extend the farm liability coverage to include protection for certain commercially related exposures not insured by the standard Farm policy. These can include the supplying of commodities for manufacturing or processing, participation in shows or other social events, racing of animals, or premises used for business purposes other than those allowed for in the incidental occupancy clause. Back to top

Farm Policy (FM 0010, 20)
This policy is designed to insure the various aspects of your farming or ranching operations. It combines coverage for your residential home and farm or ranch buildings, plus liability protection for your personal and farm business exposures. Additional endorsements can be added to insure your livestock, mobile or agricultural equipment, crops, and farm or ranch personal property. Back to top

Feedlot Reporting Form
This specialized form is designed to cover commercially raised livestock while located at feedlots. This policy is written on a reporting form basis for named perils coverage. Back to top

First Loss/Loss Limit Form
This policy is used to provide coverage for multiple locations, or one location with separate fire divisions, where the chance of a single loss to more than any one location/division is nominal. The form allows for the purchase of a specific amount of first loss coverage which will apply to any covered loss at any of the listed locations without risk of an underinsurance penalty. Back to top

Garage Liability Form (CA0005)
This coverage is used to insure against liability claims arising out of your garage operations including the use of automobiles. Coverage also applies to your products or completed operations exposures subject to a deductible of $100 per claim. Back to top

General Liability Alternative
Your liability coverage can be insured with a General Liability policy instead of a more traditional Garage Liability form. The use of this alternative approach can result in lower insurance costs due to the way that your policy's premium is determined. Back to top

Grain Forms
This insurance is used to cover grain or seed belonging to or held by you against loss due to specified perils. Stock or other contents held in trust can also be insured by this policy. Back to top

HPR Form
This policy is designed to provide comprehensive coverage for buildings and equipment as defined in the form. It differs from traditional Property insurance by covering several additional items for broader perils than are normally insured. These can include optional flood and earthquake coverages, automatic protection for boiler and machinery equipment, coverage for property of others while in your care, or property of yours while located off premises.

Additionally, the companies who write these forms issue their policies in conjunction with superior loss prevention services designed to reduce your exposure to loss and overall insurance costs. Back to top

Jewelers Package Policy
This policy is designed to provide the standard Jewelers Block coverages for your stock, as well as several additional lines of insurance, including coverage for your building(s), contents, property of others and business interruption exposures. Premises liability and other appropriate coverages are included in this policy to customize it to fit your particular needs. Back to top

Livestock Auction Form
This policy is written to protect you against loss resulting from damage to livestock consigned to your market. It covers this stock from the point of origin until received by you at the market. Manufacturers Output Policy This policy is designed to provide coverage for your personal property, personal property of others, improvements and betterments, and property in transit in one comprehensive form. Several additional coverages can be added to customize the policy to fit your needs. Back to top

Multiple Location Rating Plan
This policy is designed to provide coverage for specified property under common ownership that is spread over many locations. Under the plan, a substantial premium credit is provided for the dispersion of risk which can result in a substantial premium savings to you. Back to top

Project Wrap Up Insurance
This policy is designed to provide you with protection for the liabilities of all parties involved in your construction project under one policy or series of policies. There are many advantages to using this approach to insure your construction projects, including price savings and elimination of possible gaps in coverage. Back to top

Retention Plans
This is a loss financing plan that pays a dividend to you on a loss sensitive basis. The plan provides for defined operating expenses (called the retention factor) to be multiplied by your standard premium. This resulting "developed premium" then becomes the amount that is collected and retained by your carrier for the policy year.

If your incurred losses during the year are less than this retained premium, the difference is returned to you in the form of a dividend. If they are more, you will receive no dividend but will not be assessed any additional premium charges. Please note that payment of dividends can not be legally guaranteed. Back to top

Retro Plans (IL0918 - IL0923)
This rating plan allows for your final yearly premium to be based on the loss experience you develop during the policy year. It is an excellent way to help control insurance costs for companies such as yours who maintain superior risk management practices and a good loss history.
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Tobacco Sales Warehouses Form (CP0080)
This policy will cover, on an annual reporting basis, tobacco belonging to others that is in your care, custody or control for auctions, or your own leaf accounts held for resale. Back to top

Truckers Coverage (CA0012, CA2320, CA0020)
This insurance is designed to handle your responsibilities as a trucker for bodily injury, property damage and environmental restoration as required by law. Primary coverage can also be added for insured vehicles, either owned or not, and for equipment operated by you through trip lease or other agreements. Back to top